STATE CAPITOL, ATLANTA. 
 
 STATE OF GEORGIA 
DEPARTMENT OF BANKING 
Created by Act Approved August 16, 1919 
FIRST ANNUAL REPORT 
YK\R E~DING 
DECE~IBER 31, 1920 
DEPART~IE:NT ES'rABLTSHED. An Act to create the Department of Banking of the State of Georgia, to provide for the incorporation aml regulation of Banks and penalties for violations of the La>Y, defining tluties of the Superintendent of Banks and for other purposes, \\as enacted by the Legislature in 1919, approved by the GoYernor August lG, 1019, and effective January 1, 19~0. Also amended in 19:20, approved August 14, 19~0. Prior to that time the Institutions now under supervision of the Superintendent of Banks >Yere supen-isc<l in the Bureau of Banking by the State Treasurer, as proYidetl for in Laws enacted in 1890 aml 1907. 
T. R. BENNE'rT, 
SuPEIUXTE:SDEXT OF BANKS. 
 
 OFFICIAL ROSTER 
December 31, 1920. 
 
T. R. BENNETT, Superintendent of Banks. 
E. A. THOMPSON, Assistant Superintendent of Banks. 
 
EXAl\II~ERS. 
 
NAME. 
 
SALARY PER ~IONTH. 
 
Cagle, Joseph E ................. $200.00 
 
Douglass, E. B................... 200.00 
 
Edge, J. H.. . . . . . . . . . . . . . . . . . . . . 200.00 
 
Gunby, R. B.. . . . . . . . . . . . . . . . . . . . 200.00 
 
Hollinshead, J. S.. . . . . . . . . . . . . . . 200.00 
 
Kincaid, B. J ................... 200.00 
 
Lloyd, W. D.. . . . . . . . . . . . . . . . . . . 200.00 
 
McRae, L. W.. . . . . . . . . . . . . . . . . . . 200.00 
 
Sasser, J. B.. . . . . . . . . . . . . . . . . . . . 200.00 
 
Searcy, P. C.. . . . . . . . . . . . . . . . . . . . 200.00 
 
Smith, Oscic . . . . . . . . . . . . . . . . . . . . 200.00 
 
Stubbs, E. A.. . . . . . . . . . . . . . . . . . . 200.00 
 
OFFICE ASSISTANTS. 
 
NA~IE. 
 
SALARY PER ~IOXTH. 
 
Johnson, Miss Annette ........... $115.00 
 
l\IcLennan, Miss Adelaide. . . . . . . . 105.00 
 
Meister, Miss Hazel B. . . . . . . . . . . . 105.00 
 
 DEPARTlVIEN'l' OF BANKING, STATE OF GEORGIA, 
ATLAKTA. 
 
HoK. HuGH l\I. DoRSEY, Governor, State of Georgia, Atlanta, Ga. 
 
December 31, 1920. 
 
Dear Sir: 
 
In compliance with Sections 15 and 16 of Article 2 of the Banking Act approved August 16, 1919, effective January 1, 1920, I submit herewith for your consideration, this the first annual report of the Department of Banking of the State of Georgia. 
Prior to the enactment of the new Banking Law, banks in Georgia were supervised through the Bureau of Banking by the State Treasurer, under laws enacted in 1890 and 1907, with practically no amendments and decidedly inadequate to meet the real conditions existing in later years. Therefore, the banks were ready ~nd anxious to extend their hearty co-operation to the law-makers in enacting laws providing for supervision in keeping with the growth of the banking 
business in the State. When the first Acts were passed, there were fifty-two banks operat- 
ing in the State, having total assets of about twenty-five million ($25,000,000.00) dollars, and adequate laws were not enacted until thirty years later, \Yhen the banking assets of State Banks and Trust Companies had reached over three hundred and fifty million ($350,000,000.00) dollars. Therefore, none could better realize the vital impori:mce of a Department of Banking and proper supervision, than the bankers of the State; not only for protection of bankers, but that the patrons of banks should haYe protection of the State in the 
handling of their funds. The establishment of the Department, coming just at the close of 
the World War, came at an opportune time; just when the unusual period of deflation resulting in decrease in values began. With these 
 
 IhNKING DEPA.UTMEXT 
unusual conditions existing, the banks had to meet a situation that required not only every single application of character, but those things necessary that show the real ability of Georgians to meet the situation in the best possible way, but some few banks, as indicated in the following pages, could not adjust their affairs to meet these conditions, and had. to close their doors for liquidation or resumption. 
However, with all this, the determination to meet conditions will bring out the best there is in the Banking :B-,raternity, and finally the Banking System of Georgia iYill be second to none in the whole country, the laiY under which they are llOiY operating being regarded as one of the !Je;,;t of its kilHl on the 8tatntc books o[ anY Shitc in the Union. 
One of the duties cleYolYing upon me nncler the lm\ in making up thi,; report, is to suggest such cha11gcs to cure de:fccJ., as may seem necessary to protect the clientele of the banks. 
Therefore, I suggest the follmring in order to correct some o( the inconsi,tencies that arc found to lle shmn1 in the application of a new lai\, 110 mattcr how well it has lleen analysecl in the making. 
Amend the following sections : 
Art?"cle 1, Section B.-Require branch banks to set aside capital instead of surplus for capitalization of branches, and loan limit apply on such capital. 
Section 4.-Prohibit private banks using word "bank," "banker" or ''banking.'' 
Adicle 2, Section 12.-Repeal third paragraph limiting expenses in office, the Department being limited by its income. 
Section 16.-Repeal requirements that last examination of banks be included in annual report, only require statement of condition as shown by last call made in the year. This to avoid C'Xtraordinary expense. 
Scclion 21.-(Repeal) ]\faking boncl of Superintendent liable only J'or clcfalcation. This is section taken from another act. but I clo not think intended as written. 
Article 7, Section 19.-Acljust order of paying debts so as to better protect individual depositors; also make provisions for secured creditors proving claims in same manner as is provided for in the Xational Bank Ad. 
Section 20.-If for special reason Superintendent does not deC'm wise to make assessment within ninety clays, provide that he 1vill not lose right to do so at a later date. 
 
 "FIRST AKKLU, REPOHT 
 
vii 
 
;I rliclc 8.-l'rovil1c authority for Superintem1ent to disapproYe or ganization of banks. In the original draft of the Banking Act this was included, but stricken. 
. I rficle 8, ,S'ection 1.-ProYide that stock certificates issued shall be recl'iptetl for on stub by parties in whose mnne stoek is issue'1 aJH1 signatures requirecl. 
Article 13, Section 1.-Providc that capital of merged banks may be combined without amendment, by the Superintendent of Banks issuing certificate to il1e Secretary of State for record. 
Article 1.9, Section 5.-Providc same penalties for failure to make report by Directors as those in Section 5 of Article 4. Also let penalties attach for violations of Sections 8 and 9. Also readjust Section 9 so as to ddinc duties of cashier and require Directors to notify Department of am chanp:Ps in otlif'l'l'" inmwr1i.atel: nfte1 am resignation or llismi"sal. Also ame1Hl so that amlit ma: be made by accountants approYed by the SuperintendeJit of Banks, properly sworn to and copy deliwred to the Department of Banking. 
Article 19, Section 10.-ProYidc that amount of bond of officers be subject to approval of Superintendent of Banks. 
Section 1.3.-Readjust loan limit of banks. 
Section 18.-Provillc i hat 011c oHlcer am1 one bonded emp-loyee s1gn stubs of certificate of deposit as well as certificate itself. 
In order to impress upon the readers of this report just ''"hat conditions arc that exist in Georgia to-day, it is sufficient to say that the farm values of all farm products produced in Georgia in 1919 "ere about six hundred million ($600,000,000.00) dollars and in 1920 three hundred million ($:300,000,000.00) dollars. 'l'hc most important of these products is that of cotton. In 1919 Georgia produced one million four hundred thousand bales, the farm value of which was two hundred and ninety-six million ($296,000,000.00) dollars. In 1920 it produced one million six hundred thousal1(1 bales of cotton, the farm value of which 1Yas one hundred and seven million ($107,000,000.00) dollars, making a difference in cotton alone of one hundred and eighty-nine million ($189,000,000.00) dollars decrease in value. Therefore, "c can account for the decrem;e of deposits in Georgia as between 1919 and 1920 of sixty-five million ($65,000,000.00) dollars and increase of loans of over thirty-six million ($36,000,000.00) dollars, bills payable necessarily showing an increase of thirty-five million ($35,000,000.00) dollars. Therefore, the slump in values that brought about the inability of banks to decrease their loans rather than increase them, accounts for the large decrease in deposits. 
 
 Ylll 
A careful analysis of the following schedules will not only give you a deep insight into the real conditions that exist to-day, but at the same time they will show that fundamentally Georgia is sound and ~hat she will rise up a greater and stronger State in the end. 
Respectfully submitted, '1'. R. BENNETT, Superintendent of Banks. 
 
 FmsT AKKL\L REPORT 
 
lX 
 
FINANCIAL STATEMEN'r DEPARTl\IENT OF BANKING 
DECEMBER 31, 1920 
 
Ucceipts: Fees from regular examinations ................ $61,140.00 Fees from special examinations. . . . . . . . . . . . . . . . 2,445.00 Fees from Small Loan License. . . . . . . . . . . . . . . . . 491.62 Fines (for delaying reports)................... 300.00 Balance received from bank bureau Jan. 1, 19?0. . 616.09 
Total Receipts for year 1920 .............. $64,992.71 
 
Disbursements: 
Salaries . . ........................ $36,507.16 Traveling Expenses ................ 18,579.41 Premiums on Bonds . . . . . . . . . . . . . . . . 475.00 Incidental Expenses . . . . . . . . . . . . . . . . 1,046.20 
 
56,601.'17 
 
Balance, December :n, 1920 . . . . . . . . . . . . . . . . $ 8,38~1.9cl: 
 
Total ................................... $64,992.71 
 
 .. ''"'''"~"---------------------------------------- 
 
X 
BAXKS CHARTERED SI:l\CE JANUARY 1, 1920 (SEYEXTEEX) 
 
XA::ilE OF BAXK 
 
DATE LOCATIO:\' APPROVED 
 
CHARTERED STOCK 
 
LakmYood Bank ____________ - Atlant:.L _______ Nov. 15, 1920 _________ $:?5,000.00 Bank of Bradley ____________ Bnullcy________ Sept. 22, 1920 ________ 15,000.00 
 
Citizens Bank --------------- Bullochville ____ Oct. 12, 1920 __________ 15,000.00 Bank of Byromville ---------Byromville _____ ,July 19, 1920_________ 15,000.00 Clermont State Bank ________ Clermont_ _____ Oct. 26, 1920_________ 30,000.00 
Farmers Banking Co. ________ Covington _____ .Apr. 23, 1920 _________ 30,000.00 B:mk of Enigma ____________ Enigma ________::\Tch. 20, 1920 ____, _____ 15,000.00 
 
Citizens Bank _______________ Forsyth _______,Feb. 17, 1920____ ----- 80,000.00 Farmers & :Merchants Bank ___ Girard ________ ,Aug. 10, 1920 _________ 20,000.00 Peoples Bank ____ -----------IdeaL ________ .J\Ich. 26, 1920 ____,_____ 15,000.00 Citizens 13. & T. Co. _________ Jefferson ______ Feb. 7, 1920 _____,_____ 100,000.00 Bank of Candler County______ ::iletter_ _______ .Oct. 1, 1020 ______, _____ 25,000.00 
 
Citizens Bank ---------------Shady Dale ___ Feb. 5, 1920 _____, _____ 50,000.00 Central Bank ______________ Swainsboro ____.Oct. 18, 1920__________ 2.3,000.00 
Farmers Bank ______________ TignalL ______ _Qct. 5, 1920 ____________ 25,000.00 
 
Bank of Valdosta ___________ Valdosta ______ "\.pr. 2, 1920 ___________ 200,000.00 Vienna State Bank___________ Vienna ________Dcc. 28, 1920 _________ 25,000.00 
 
*Statement of the Screven State Bank included in that of the parent ban!<, theJesup Banking Co. 
 
BANKS IN POSSESSION OF THE SUPERIXTENDENT OF BANKS 
(TWENTY-ONE) 
 
~A::iiE OF BAXK 
 
LOCATIOX 
 
D.\TE CLOSED 
 
Baxley State Bnnk________________ Baxley_____________________Dec. 11, 1920 Bank of Dallas___________________,Dallas______________________Dec. 2, 1920 
Bank of Dublin ________ ----------- Dublin _____________________::'\ov. 19, 1920 :Farmers & Merchants Bank________ Duluth_____________________Dcc. 4, 1920 Merchants & Farmers Bank________ Grantville__________________Dec. 18, 1920 
Peoples Bm1k --------------------Hamilton __________________ Oct. 21, 1920 Jesup Banking Company___________ ;Jesup ______________________ Nov. 29, 1920 
 
aml Branch ., (Screven State Bank) ------------Scre\en ______ ---- _________ Nov. 29, 1920 Bank of Lawrenceville _____________ La>nencevillc ---------- ____ X m. 26, 1920 Bank of Lilbnrn __________________ Lilbnm____________________Nm. 18, 1920 Bunk of Mauk _____________________ }Iank______________________ Oct. 1G, 1D20 
Lewis Banking Compuny ___________ l\Ionteznma_ __ . ____________ .Dec. 13, 1920 BeJTien Conntv Bank______________ Nashville ___________________ Dec. 8, 1920 Bank of Gwiimett_ _______________ Norcross ___________________Nov. 23, 1920 Citizens Bank ___________________ Ocilla______________________ Dec. 1, 1920 
Odum Banking Company___________.Oilum ________ - ---- _________ N OY. 18, 1920 Bank of Pa.o ____________________ Pavo _______ - ---- ___________Dec. 8, 1920 Citizens Bank ____________________ Ros>vell ____________________Dec. 8, 1920 
Syhania Bunking Company ________ Sylvania ___________________Dec. 1,), 1920 
Funncrs Bank ____ ---------------_Union Point ___ ------------ .Dec. 21, 1920 Planters Bank -------------------- \Yhite Plains _______________Dec. 8, 1\120 
 
 FmsT Axxr.\L REronT 
 
xi 
 
STATEJ\IE)JT OF BAKKS IK POSSESSION OF THIS DEPARTJ\IE)JT FOR LIQUIDA'riON OR RESUMPTION 
(TWE)JTY-ONE) 
 
EXAMINER'S BEFORT. 
BAXLEY STATE BANK, BAXLEY. 
At Close of Business August 17, 1920. 
 
Date of Charter-August 23, 1917. 
 
Began Business-August 25, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ Demand Loans ___________ _ 
Loans Secured by Real Estate 1:nited States Bonds_______ _ Other Stocks and Bonds___ _ Banking House _,__________ _ Furniture and Fixtures____ _ Other Real Estate Owned___ _ Due fron1 Danks in this State Due from Banks in other 
States ------------------GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Silver, Xickels, Pennies ____ _ Advances on Cotton ________ _ Adtiveasnc_e_s__o_n__o_t_h_e_r__C__o_n_1_m_o_c_li_- 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
ances -------------------Overdrafts (if any) _______ _ Other Assets: Interest Paid ______________ _ 
 
92,518 12 2,850 00 
12,700 00 7,000 00 
26,061 81 5,337 00 12 50 112 23 
605 00 1,137 40 
871 21 
 
Capital Stocl< Paid In ______ $ 16,200 00 
 
Amt. Reserved for Branches 
 
Surplus Fun<l -------------Umliviclccl Profits _________ _ Dividends Unpaid _________ _ 
 
3,2+0 00 3~-! 03 
 
Due to Banks in this State __ _ Due to Banks in other States Call Money _______________ _ 
 
Individual Deposits Subject to Check _______________ _ 
Demand Certificates of Deposit Time Certificates of Deposit Savings Devosits _________ _ Cashier's Checks _________ _ Certified Checks ___________ _ Bills Pa~able _____________ _ 
 
81,720 17 22,o:~:. 17 
1,345 9:3 
-2-4~ 50 0-0 0 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed 1\Ione) _______ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
ReTsearxvees _f_o_r___I_n_t_e_r_e_s_t___a_n_d_ 
 
Other Liabilities __________ _ 
 
ToUt! ----------------------$14D,26fl 30 Total _____________________ $H9,265 30 1 
 
B.\::\'K'S STATE:.\IEXT at Clo~e of Business Decembm__::lc::1c:_._lc:._9c::2:..:0c:_._ _ __ 
 
l _ _ _ _ _ _n_,E_S_O_T_JR_C_E__ s _ _ _ _ _ 
 
LIABILITIES 
 
Time Loans ________________ $ 56,189 57 Capital Stock Paid In ______ $ 16,200 00 
 
Demand Loans ____________ 
 
50 00 Amt. Hcsened for Branclles ________ _ 
 
Loans Secured b, Heal Estate 19,102 10 Surplus Fund -------------- 3,210 00 "United States Bonds________ _________ Undivided Profits ---------- ________ _ 
 
Other Stocks and Bonds____ _________ Dividends Unpaid __________ --------- 
 
Banking House ____________ 13,400 00 Due to Banks in this State__ 
 
800 00 
 
Furniture and Fixtures______ 7,000 00 Due to Banks in other States 1,884 06 Ot11er Real Estate Owne<L ____________ Call Money ________________________ _ 
 
Due from Banks in this State _________ Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ________________ 41,897 66 
 
States ------------------Currency ------------------Gold ---------------------~ilYer, ~ickel~. Pennies ___ _ -"<hances on Cotton ________ _ 
"\<tliveasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- 
Checks for Clearing- House __ 
 
27 _________ _________ _ ________ --------- 
----------------- 
 
ar"' Certificates of Deposit Time Certificates of Deposit SRvings Deposits __________ Trust Funds on Deposit____ 
CRshier's Checks _________ _ Certified Checks ____________ 
Rills Pa~Rhlc -------------Xotes and Bills Rediscounted 
 
________ _ 1ii,+72 79 _ _______ _ _ _______ _ 
1,262 4 7 _ ______,__ 
17,000 00 ________ _ 
 
Other Checks and Cash Items 1,469 36 Certificates of Deposit for 
 
Customers' Liability on LPt- 
 
Borro\\ed lVIone;\' ~------- ________ _ 
 
ters of Credit and Accept- 
 
Liabilit~ on Letters of Credit 
 
ances -------------------- 
 
and Acceptances _________ ________ _ 
 
Overdrafts (if any) _______ _ _________ Re~ervc for Interest and 
 
Other Assets: Profit and Loss ____________ _ State Banking- Dept. _______ _ 
 
Taxes ------------------- ________ _ 132 7fi Other Liabilities ___________ _ _______ _ 412 92 
 
I Total --------------------$ ~7.756 ~s Total ____________________ $ 97,7:.6 ~~ 
 
Xote: Item "Due to banks in other States $1,884.06 represents: A~tunl Overdrafts ----------------------------------------------------5372.82 
Drafts drawn against correspondent banks unpaid and outstanding ______ 1,511.~4 
 
 Xll 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF DALLAS, DALLAS. 
 
At Close of Business July 28, 1920. 
 
Date of Charter-November 15, 1901. 
 
Began Business-Kovember 15, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$132,131 67 Capital Stock Paid In_______ $ 40,900 00 Demand Loans ____________ 34,947 25 Amt. Reserved for Branches 
 
Loans Secured by Real :!<estate 11,392 21 Surplus Fund -------------United States Bonds________ 39,079 20 Undivided Profits ---------Other Stocks and Bonds_____ 47,500 00 Dividends Unpaid-Reserved Banking House ____________ 2,003 30 Due to Banks in this State__ 
 
2,987 02 1,636 00 
 
Furniture and Fixtures______ 3,215 00 Due to Banks in other States Other Real Estate Owned____ _________ Call Money ---------------- 
 
Due from Banks in this State 22,781 25 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check _______________ _ 57,600 56 
 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton_________ Advances on other Commodi- 
 
5,424 39 5,103 00 
112 50 5,737 34 
--------- 
 
Demand Certificates of Deposit 
 
Time Certificates of Deposit 31 245 s-> 
 
Savings Deposits _________ _ 127:041 90 
 
Cashier's Checks __________ _ 1,326 52 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
-4-G~000-00 
 
ties ---------------------- --------- Notes and Bills Rediscounted 
 
Checks for Clearing House__ --------- Certificates of Deposit for 
 
Other Checks and Cash Items 
 
860 24 Borrowed Money _______ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
ances -------------------- --------- Reserve for Interest and 
 
Overdrafts (if any)_________ 
 
24 41 Taxes -------------------- 2,348 12 
 
Other Assets ________________________ Other Liabilities __________ _ 
 
225 82 
 
Total --------------------$310,311 76 Total ____________________ $31 0,311 76 
 
BANK'S STATEMENT at Close of Business December 31, 1920. 
 
-------------------------------~------------------------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $180,099 20 Capital Stock Paid In _______$ 40,900 00 Demand Loans ____,________ 14,509 11 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------United States Bonds________ 39,379 20 Undivided Profits ---------Other Stocks and Bonds____ 47,500 00 Dividends Unpaid _________ _ 
 
1,273 20 1,636 00 
 
Banking House ------------ --------- Due to Banks in this State__ Furniture and Fixtures______ 3,215 00 Due to Banks in other States Other Real Estate Owned____ 2,003 30 Call Money _______________ _ 
 
9,548 48 3,264 52 
 
Due from Banks in this State 10,394 73 Individual Deposits Subject 
 
Due from Banks in other 
States -------------------Currency ------------------Gold ----------------------Silver, Nickels Pennies_____ 
 
18 70 --------- 
10 00 192 01 
 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits _________ _ Trust Funds on Deposit_ __ _ 
 
75,011 87 
26,079 fl6 86,911 98 
 
Advances on Cotton ____ ~---- --------- Cashier's Checks ----------- 4,166 57 
 
Advances on other Commodities _______ _:______________ 
 
--------- 
 
CBeilrltsifiPedayCabhleeck_s _-_-_-_-__-_-_-_-_-_-_--_ 
 
-8-2~000-00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 1,139 2S 
 
Other Checks and Cash Item:-; 33,139 47 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _______ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -(-i-f - -a-n- -y-)---------------- 
 
and Acceptances --------752 41 Reserve for Depreciation___ _ 
 
794 12 
 
Other Assets: Deposited with T. R. Bennett, 
Supt. of Banks___________ _ 
 
Other Liabilities: Suspense Account _______ _ 1,818 58 
 
306 l:l 
 
Total --------------------$333,031 71 Total --------------------$333,031 71 
 
 FIRST A_); XL\L REPORT 
 
Xlll 
 
EXAMINER'S REPORT. 
 
BANK OF DUBLIN, DUBLIN. 
 
At close of business July 7, 1920. 
 
Date of Charter Apr. 24, 1917. 
 
Began Business March 29, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans and Demand 
 
Capital Stock Paid In _______ $ 25,000 00 
 
Loans -------------------$145,181 r,~ Amt. Reserved for Branches 
 
Loans Secured h, Real Estate ________ _ Surplus Fund -------------- 1,100 00 
 
United States Bonds________ ________ _ Undivided Proflts _________ _ 1,138 9J 
 
Other Stocks and Bonds____ Banking House ____________ 
 
________ _ 20,000 00 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
I~..,urniture and Fixtures______ 3,393 20 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money _______________ _ 
 
Due from Banks in this State DuSetatfersom___B__a_n_k_s___i_n___o_t_h_e_r 
Currency, Gold, Silver, NickAdevlsa,ncPeesnnoines C-o--tt-o-n---_-__-_-_-_-_- 
Advances on other Commodities ______________________ 
Checks for Clearing- House__ Other Checks and Cash Items Customers' Liabilit,- on Let- 
ters of Credit and Accept- 
 
1,158 
 
16 
 
Individual Deposits Subject to Check _______________ _ 
 
205 32 Demand Certificates of De- 
 
posit -------------------- 
 
_ _2_,_6 _3 8_ _ _1 0_ 
 
Time Certificates of Deposit CSaasvhiniegrs's DCehpeocksists__-_-_-_-_-_-_-_-_-_-_ 
 
--------- Certified Checks ___________ _ 
 
_________ Bills Payable _____________ _ 
 
________ _ Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money _______ _ 
 
55,682 0-1 20,309 4~ 
54[) -17 250 00 69,500 00 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y- )- -_-_-_-_ -_ _- _- _- -_ 
Other Assets: Books and Stationerv______ Storage and Reweigh ts _____ _ Cotton Accounts __________ _ Over and Short Account_ __ _ 
 
--------1, 718 99 
 
949 113 
 
1963 
 
2,751 81 
 
52 
 
Liability on Letters of Credit and Acceptances --------- 
Reserve for Interest and 
OtThaexr esLia-b-i-l-it-i-e-s---_-_-_-_-__-_-_-_--_ 
 
4,584 89 
 
Total --------------------$184,710 77 Total --------------------$184,710 77 
 
EXAMINER'S REPORT at Close of Business December 31, 1920. 
 
RESOURCES. 
 
LIABILITIES 
 
Time Loans ---------------- ________ _ Capital Stock ______________$ 25,000 00 
 
DLoeamnasndon LRoaenals E-s-t-a-t-e--_-_-_-_-_-__1_41_,_3_0_6__28_ 
 
Surplus Fund -------------Undivided Profits ---------- 
 
HRnl\:in.~! House ____________ 20,158 05 Due Unpaid Dividends ----- 
 
1,100 00 2,776 37 
 
Other Real Estate Owned__________ _ Due to Banks in this State __ 1,789 02 
 
Furniture and Fixtures ____ 4,786 30 Due to Banks in other States 
 
Stocks and Bonds other than 
 
Call Money ---------------- 
 
F. S. or State of Georgia ________ _ Deposits Subject to Check___ 40,482 27 
 
United States and State of 
 
Demand Certificates of De- 
 
Ga. Bonds ---------------- ________ _ posit ---~--------------- 
 
Due from Approved Reserve 
 
Cashier's Checks ----------- 
 
Agents ------------------ ________ _ Certified Checks ------------ 
 
644 58 
250 00 
 
Currency -----------------Gold ---------------------- 
 
--------________ _ 
 
Savings Deposits Time Certificates 
 
---------of Deposit 
 
19,434 25 
 
Other Coined Money ------- 
 
373 04 Trust Funds on Deposit_ __ _ 
 
Due from Other Banks _____ 
 
337 07 Certificates of Deposit Rep- 
 
Checks for Clearing House__ ________ _ resenting Borrowed Money 
 
Cash Items (Irregular) ____ 1,593 02 Bills Payable -------------- 64,610 81 
 
Advance on Cotton -------- ________ _ nedif-!counts --------------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accep- 
 
and Acceptances --------- 
 
tances ------------------Advances on Other Com0Ymeorddritaifetss (-i-f--a-n-y-)--_-_-_-_-_-_-_- 
N. A. Cullen ------------Other Resources: 
Cash Short ______________ Barrett & Go. (Cotton ac.) 
 
--------- 
--------47 4 27 571 58 
20,098 56 1,169 72 
 
Reserve for Interest and 
 
Taxes ------------------Other LiRbilities: 
Collection (Trust Funds) 2,821 63 Outstanding Checks _____ _ 11,584 11 
 
Spot Cotton of (Flannery 
 
Co.) --------------------- 20,284 79 
 
- - - - Damages (Cotton) ------- 
 
90 00 
 
Total --------------------$190,867 89 Total --------------------$190,867 89 
 
 BANKIXG DEr.~HT.!'IIEXT 
 
EXAMINER'S REPORT. 
 
FARlVIERS & MERCHANTS BANK, DULUTH. 
 
At Close of Business July 21, 1920. 
 
Date of Charter-Xovember 29, 1910. RESO"CRCES 
 
Began Business-February 1, lall. LIABILITIES 
 
TDiemmeanLd oaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_$ 
 
95,757 803 
 
39 23 
 
Capital Stock Paid In _______ $ 15,000 An1t. Heserved for Branches 
 
1.)0 
 
Loans Secured by Heal Estate "Cnited States Bonds_______ _ Other Stocks and Bonds___ _ Banking House ___________ _ 
 
40,000 00 Surplus Fund _____________ _ 4,4-14 00 l'mlivided Profits _________ _ Dhidemls Unpaid ________ _ 2,20-1 40 Due to Banks in this State __ 
 
5.0uO 011 5,399 S2 
~J 00 
 
Furniture and Fixtures ____ _ 1,632 .fS Due to Banks in other States 
 
Other Heal Estate Owne<L __ _ 
 
Call lloney _______________ _ 
 
T)ue fro1n Banks in this ~tate DuSetatefrsom___D__a_n_k_s___i_n___o_t_h_e_r 
 
6,270 'i9 Individual Deposits Subject to Check ____ ,___________ _ 67,982 37 
72! /Q lkmanrl Certificates of Deposit 
 
Currency ------------------ 2,54:G 00 Time Certificates of Deposit 4-1,26~ 41 
 
Gold ----------------------- 
 
5 00 SaYing:.:.; Deposits _________ _ 
 
Silver, :'\ickels, Pennies ____ _ A<lYances on Cotton _______ _ 
 
972 06 Truc;t Funds on DeposiL __ _ Cashier's Checks _________ _ 
 
AdYances on other Co1nmodi~ ties ---------------------- 
Checks for Clearing 1-louse __ 
 
Certil1ed Checks ___________ _ 
 
122 so 
 
Bills Pa:,:able _____________ _ ~2.500 00 
 
S-l'i j I Xotcs and Bills Hediscounted 
 
Other Checks ancl Cash 1tcms 
 
37 51. Certificates of Deposit for 
 
Customers' Liabilit:-.' on Let- 
 
Borrowed ~lone~ _______ _ 
 
ters of Credit and .\ccept- 
 
Liability on Letters of Credit 
 
0 . -aenrcdersa f-t s- - -( i-f- -a-n-y- )- -_-_-_-_ -_ _- _-_- -_ 
 
and ...-\cccntances ________ _ 69 93 Reserve for Interest and 
 
Otl1er Assets: ~rrans. Account ------------ 
 
5,000 00 OTthaexresLi-a-b-i-li-t-ie--s --_-_-_-_-_-_-_-_-_-_-_ 
 
He.-enue (:)tamvs __________ _ 
 
16 ~5 
 
---- 
 
Total ____________________ $TG1 ,227 3;i rrotal --------------------$161,227 33 
 
BX:\"'K'S ST.-\'l'E:\IE:\T at Close of BusinPss December 31, l.D20. 
 
R ESOP ltCES 
 
L TABILITlE:S 
 
Time Loans ----------------$111,839 74 Capital Stock Paid In _______ $ 15,000 00 Den1and Loans ____________ 1,290 43 Am t. He served for Branches ________ _ 
 
Loans Secured by Heal Estate _________, Surplus Fund -------------- 5,000 00 United States Bonds ________ 4,440 00 CndiYided Profits __________ 4,616 80 
 
Other Stocks and Bonds____ ________ _ Dividends Unpaid __________ --------- 
 
Banking House ____________ 2.20-! 4-0 Due to Danks in this State__ _ _______ _ 
 
F'urniturc an<l Fixtures______ 1,632 4-8 Dun to Banks in otl!er States ________ _ Other Heal Estate 0\Ynecl____ ________ _ Call Money ________________________ _ 
 
Due from Danks in this State 6,0,13 '"i7 Individual Deposits 8ubject 
 
DuSetatfersom___B__a_n_k_s___i_n___o_t_h_e_r 
 
to Check ________________ 34,022 SR 638 59 Demand Certificates of Deposit ________ _ 
 
Currency ___________________ ________ _ Time Certificates of Deposit 46,642 f,l 
 
Gold ----------------------Sih"er. :"\iekels, Pennies ____ _ 
 
5 00 SaYings Deposits ----\------ ________ _ 36 !l-l Trust Funds on DeposiL___ _ _______ _ 
 
A<1Yances on Cotton _______ _ 
 
482 29 Cashier's Checl<s ------~---- 2,391 02 
 
A(t1iYeasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- 
 
C0rtified Checks -----------_________ Bills Payable ______________ 
 
________ _ 2 !,OG9 78 
 
Checks for Clearing House__ ________ _ :\otes and Bills Rediscounted _________ 
 
Otl1Pr Checks and Cash Items Customen-;' Liability on LPt- 
 
196 71 Certificates of Deposit for Dorro"'ed l\Ioney ________ ________ _ 
 
atenrcsesof__C__re_d__it__a_n_d___A_c_c_e_p_t_- 
 
Liahilit:< on Letters of Credit and Acceptances _________ ________ _ 
 
()yerdrafts (if any) _______ _ )tller Assets _____________ _ 
 
neTsaexrvese __f_o_r___I_n_t_e_r_e_s_t___a_n_d_ _ _______ _ 
 
Other Liabilities ___________ 
 
106 Do 
 
Cash o,er ----------------- 
 
3 S 39 
 
Total --------------------$131,881 34 Total --------------------$131,881 31 
 
 FmsT AKXL\L REPORT 
 
XV 
 
EXAMINER'S BEPOBT. 
 
MERCHANTS &FARMERS BANK, GRANTVILLE. 
 
.\ t Close of Business November 29, B20. 
 
Date of Charter~:\Iarch 11, 1819. 
 
Degan Business~:\lay 22, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
'Time Loans ----------------~ Demand Loans ___________ _ 
Loans Secured bY Heal Estate linited States Bonds_______ _ Other Stocks and Bonds ___ _ Banking House ___________ _ 
 
55,284 2S 14,480 39 
 
Capital Stock Paid In ___$ 25,000 00 
 
Amt. Reserved for Branches Surplus Fund _____________ _ 
 
956 u 
 
Undivided Profits ---------- 
 
Dividends Unpaid ---------Due to Danks in this State __ 
 
F'urniture and Fixtures _____ _ Other Real Estate Owned ___ _ Due from Danks in this State 
 
3, 13S 1 6 Due to Banks in other States Call Money ---------------- 
6,:n 9 27 Individual Deposits Subject 
 
Du:Oe tatferson1___B__a_n_k_s___i_n___o_t_h_er_ 
 
to Check ---------------- 20,704 02 41 1 R DPmand Certificates of Deposit 
 
Currency ------------------- 
 
SGilo-vlder, 
 
--------1\Tickels, 
 
-P- -e-n-n-i-e-s -_-_ -_ _- -_ 
 
357 00 Time Certificates of Deposit SaYings Deposits _________ _ 
206 93 Trust Funds on Deposit_ __ _ 
 
AdYances on Cotton _______ _ AdYances on other Commodi- 
 
Cashier's Checks -----~--- Certified Checks ------------ 
 
ties ---------------------- 
 
Dills Payable -------------- 
 
Checks for Clearing House __ 
 
15 4f> Xoles and Bills Rediscounted 
 
Other Checks and Cash Items 
 
103 42 Certificates of Deposit for 
 
Customers Liability on Let- 
 
Borrowed Money _______ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Oyaenrcdersaf-ts---(-i-f --a-n-y-)--__-_-_-_-_-_--_ 
 
and Acceptances ________ _ Reserve for Interest and 
 
Other Assets: 
CLaosshs S-h--o-r-t --_-_-_-_-__-_-_-,-_-_-_-_-_-__--_ Accrued Interest _________ _ 
 
1,215 2~ OtThaexresLi-a-b-i-li-t-ie-s---_-_-_-__-_-_-_-_-_--_ 81 OS 
1,926 44 
 
Total --------------------$ S3,168 82 Total ____________________ $ 83,168 82 - - - - - - - - - - - - - - - - - ---~-- 
B.\XK'S STATJ<;:IIE:\T at ,Dlo"e of Business December 31, 1n0. 
 
HESOeRCES 
 
LL\HILITIES 
 
Time Loans ----~-----------$ 41,229 55 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ___________ _ 14,479 88 ....\mt. Reserved for Branches 
 
Loans Secured b:<' Heal Estate 13,461 0-1 Surplus Fund -------------- 
 
United States Bonds_______ _ 
 
97 60 Undivided Profits _________ _ 
 
Other Stocks and Bonds ___ _ 
 
Dividends Unpaid _________ _ 
 
Banking House ___________ _ 
 
Due to Danks in this State __ 34,530 03 
 
Furniture and Fixtures ____ _ 3,138 16 Due to Danks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Danks in this State 1,172 06 Individual Deposits Subject 
 
DuSetatferso1n___B__a_n_k_s___i_n___o_t_h_er_ 
 
to Check ---------------- 17,610 88 37 93 Demand Certificates of Deposit 
 
Currency ------------------Cash (T R B)-------------- 
 
Time Certificates of Deposit 83~ 81 Savings Deposits _________ _ 
 
GSiollvder, --::-\'-ic-k-e-l-s,--P--e-n-n-ie-s---_-__--_ 
 
Trust Funds on Deposit_ __ _ Casbier's Checks ______,___ _ 
 
Advances on Cotton _______ _ Advances on other Commodi- 
 
Certified Checks -----------Rills Pa:<al1le _____________ _ 
 
ties ---------------------Checks for Clearing House __ 
 
l\"otes and Dills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 
 
122 00 Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Cr0dit 
 
ters of Credit and Accept- 
 
and Acceptances ________ _ 
 
O vane cr deRr a f-t s- - -(-i-f - -a-n-y- )- -_-_-_-_-_ -_ _- -_ Other Assets: Profit and Loss ____________ _ 
 
Reserve for Interest and 
Taxes -------------------Other Liabilities ----------2,569 88 
 
Total .. -------------------$ 77,1-10 91 
 
Total _______ ------------~ 77.140 91 
 
 xvi 
 
BANKING DEPARTMENT 
 
EXAlllliNEB'S BEPOBT. 
PEOPLES BANK OF HAMILTON, HAMILTON. 
 
.At Close of Business October 18, 1920. Date of Charter-April 16, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------~-$ 54,102 ;; 1 Capital Stock :!" .. id In _______ $ 15,000 00 Demand Loans ____________ 2,659 85 Amt. Reserver' r Branches 
 
Loans Secured by Real Estate --------- Surplus Fun United States Bonds________ --------- Undivided Other Stocks and Bonds____ --------- Dividends l.,,, 
 
. ------------------- 
1 ---------- 
 
Banking House ------------ ---------' Due to Banks "' this State __ 5,000 00 Furniture and Fixtures_____ 2,703 90 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State 
 
--------23 51 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other States________ to Check ---------------- 
 
Currency ------------------- 
 
527 00 Demand Certificates of Deposit 
 
3,803 49 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
15 125 
 
00 16 
 
Time Certificates Savings Deposits 
 
of Deposit _________ _ 
 
10,376 46 
 
Advances on Cotton_________ 2,854 44 Trust Funds on Deposit_ __ _ 
 
Advances on other Commodi- 
 
Cashier's Checks --------- 
 
ties ---------------------- --------- Certified Checks -----------Checks for Clearing House__ --------- Bills Payable -------------- 29,512 00 
 
Other Checks and Cash Items 348 10 Notes and Bills Rediscounted 1,000 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ________ _ 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any)_________ 
 
385 28 and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and 
 
Profit and Loss_____________ 1,348 48 Taxes -------------------- 
 
Cash Short ---------------- 
 
3 16 Other Liabilities ----------- 
 
Deposits since closing ------ 404 47 
 
Total ____________________ $ 65,096 42 Total ____________________ $ 65,096 42 
 
BANK'S STATEMENT at Close of Business December 31, 1920. 
 
RESOURCES. 
 
LIABILITIES 
 
Time Loans ---------------$ Demand Loans ------------Loans Secured by Real Estate United States Bonds ------Other Stocks and Bonds ___ _ 
Banking House ------------Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States ------------------Cashier's Check sent to T. R. 
Bennett -----------------Advances on Cotton -------Advances on other CommodiChteiceks s f-o-r--C--le-a-r-i~n-g--H-o--u-s-e-_-_-_ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accep- 
tances ------------------Overdrafts (if any) -------Other Assets: Profit and Loss _________ _ 
 
51,006 55 2,273 73 
2,703 90 221 68 
542 91 2,854 44 
237 75 
145 22 1,581 85 
 
Capital Stock Paid In ______$ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ 
Due to Banks in other States 
 
------------------------- 
5,089 99 
--------- 
 
Call Money ---------------- --------Individual Deposits Subject 
 
to Check ---------------- 3,936 61 Demand Certificates of Deposit -------Time Certificates of DeposiL 10,376 46 
 
Savings Deposits ----------Trust Funds on Deposit ____ Cashier's Checks ----------- 
Certified Checks -----------Bills Payable--------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ 
Liability on Letters of Credit 
 
----------------- 
30 00 --------26,134 97 
1,000 00 
--------- 
 
and Acceptances ---------- --------Reserve for Interest and 
 
OtThaexr esLi-a-b-il-i-ti-e-s---_-_-_-__-_-_-_-_-_-_- ------------------ 
 
Total --------------------$ 61,568 03 Total ____________________ $ 61,568 03 
 
 FIRST ANNUAL REPORT 
 
xvii 
 
EXAMINEB'S BEPOBT. 
JESUP BANKING CO, JESUP. 
 
Date of Charter-March 10, 1902. RESOURCES 
 
Began Bus1iness-March 13, 1902. LIABILITIES 
 
Time Loans ---~------~-----$143,192 40 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans -----------Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds____ Banking House -----------Furniture and Fixtures____ 
 
550 00 ----------------25,000 OU 
--------2,500 00 
 
Amt. Reserved for Branches 
Surplus Fund -------------Undivided Profits ----------Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
 
-2-0~000-00 
6,108 90 
 
Other Real Estate Owned____ 
 
50 00 Call Money ---------------- 
 
Due from Banks in this State 10,150 05 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------Coupons -------------------Gold Silver, Nickels, Pennies 
 
3,600 81 1,235 00 
24 09 362 18 
 
to Check ---------------Demand Certificates of Deposit Time Certificate's of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
49,254 60 
To~oiTo4 2,067 33 90 77 
 
Advances on Cotton________ --------- Cashier's Checks ---------- 4,346 45 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
16 56 
 
ties ______ ---------------- --------- Bills Payable -------------- 45,000 00 
 
Checks for Clearing House __ 
 
210 33 Notes and Bills Rediscounted 19,505 00 
 
Other Checks and Cash Items 2,630 22 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- -------'..Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------- 
 
Overdrafts (if any)---~---- 
 
871 95 Reserve for Interest and 
 
Other Assets -------------- 1,109 61 Taxes -------------------Other Liabilities ---------- 
 
82 99 
 
Total ____________________ $191 ,486 64 Total --------------------$191,486 64 
 
EXAMIKER'S REPORT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans, Demand Loans, 
 
Capital Stock Paid In_______$ 25,000 00 
 
Loans on Real Estate _____ $165,570 41 Surplus Fund -------------- 20,000 00 
 
Banking House, F. & F.____ 7,200 00 Undivided Profits ---------- 14,063 45 
 
Other Real Estate Owned____ 
 
50 00 Due Unpaid Dividends _____ _ 
 
Furniture and Fixtures_____ --------- Due to Banks in this State__ 5,554 55 
 
Stocks and Bonds other than 
 
Due to Banks in other States 
 
U. S. and State of Georgia 25,000 00 Call Money ---------------- 
 
United States and State of 
 
Deposits Subject to Check__ 60,059 09 
 
Ga. Bonds --------------- 
 
87 90 Demand Certificates of Deposit 
 
State Banking Dept. ------- 6,669 65 Cashier's Checks ---------- 1,985 15 
 
CCua sr rhe nacnyd - -C-a-s-h- - -I-t e-m- -s-_-_-_-_-_-_- 
 
- -3-, 2-0-6- - 2-1- 
 
Certified Checks -----------Savings Deposits ---------- 
 
1,942 84 
 
Due from other Banks______ --------- Time Certificates of Deposit 24,515 16 
 
Checks for Clearing House__ --------- Trust Funds on Deposit_ __ _ 
 
Cash Items (Irregular) _____ --------- Certificates of Deposit Repre- 
 
Advances on Cotton________ --------- senting Borrowed Money__ 
 
Customers' Liability on Let- 
 
Bills Payable -------------- 
 
ters of Credit and Accept- 
 
Rediscounts ---------------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Advances on other Commodi- 
 
and Acceptances --------- 
 
54,946 97 7,500 00 
 
ties ---------------------- --------- Reserve for Interest and 
 
Overdrafts (if any)-------Other Resources: Discrepancy Account _______ 
 
4,203 82 Taxes -------------------437 59 Other Liabilities ----------- 
 
Claim Screven Banking Co. 3,141 63 
 
Total ____________________ $21f>.567 fl 
 
Total ---~----------------$215,567 21 
 
 XYlll 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
BANK OF LAWRENCEVILLE, LAWRENCEVILLE. 
 
At Close of Business July 31, 1920. 
 
Date of Charter-September 8, 1897. 
 
Began Business-September 8, 1897. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $352,600 30 Capital Stock Paid In _______ $ 25,000 0() 
 
Demand Loans ____________ Loans Secured by Real Estate 
 
12,260 00 8,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--5~000-00 
 
United States Bonds________ 27,00() ()() Undivided Profits ---------- 14,288 73 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
156 00 
 
Banking House ------------ 1,646 72 Due to Banks in this State __ 2,788 31 
 
Furniture and Fixtures ____ 3,603 23 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 6,898 39 Individual Deposits SulJject 
 
Due from Banks in other 
 
to Check --------<-------- 178,163 71 
 
States ------------------- 7,242 47 Demand Certificates of Deposit --------- 
 
Currency ------------------- 5,879 00 Time Certificates of Deposit 136,900 71 
 
Gold ----------------------- 
 
142 50 Savings Deposits ---------- --------- 
 
Silver, Nickels. Pennies_____ 2,471 53 Cashier's Checlm ---------- 
 
302 43 
 
Advances on Cotton________ --------- Certified Checks ------------ --------- 
 
Advances on other Commodi- 
 
Bills PayalJle -------------- 69,500 0() 
 
ties ---------------------- --------- Notes and Bills Re-discounted 5,242 22 Checks for Clearing House__ 5,603 75 Certificates of Deposit for 
 
Other Checks and Cash Items 15,()82 06 Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- --------- 
 
ances -------------------- --------- Reserve for Interest and 
 
Overdrafts (if any)_________ 
 
23:l 38 Taxes -------------------- --------- 
 
Other Assets -------------- --------- Other Liabilities: Deposits ------------------- 11,408 17 
 
Cash Long ---------------- 
 
68 05 
 
Total --------------------$448,662 33 
 
 Total --------------------$448,662 33 
 
BANK'S STATE::vlENT at Close of Bus.iness December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$315,749 65 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ____________ 27,681 10 Amt. Reserved for Branches --------Loans Secured by Real Estate 14,764 35 Surplus Fund -------------- 5,000 00 United States Bonds________ 10,847 50 Undivided Profits ---------- 7,454 47 
 
I 
 
Other Stocks and Bonds ___ _ Banking House ------------ 
 
--1~646-72 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
28 00 2,839 21 
 
Furniture and Fixtures_____ 3,603 23 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 25,719 83 Individual Deposits Subject 
 
D uSet a tferso m_ _ _B_ _a_n_k_s, _ _ _i_n_ _ _o_t_h_e_r Currency ------------------Gold ---------------------Silver, Nickels, Pennies____ _ 
 
370 75 98 00 
________ _ 2 92 
 
to Check ---------------- 146,798 59 Demand Certificates of Deposit --------Time Certificates of Deposit 108,002 58 Savings Deposits ----~----- --------Trust Funds on Deposit____ --------- 
 
Advances on Cotton________ --------- Cashier's Checks ----------- 2,853 40 
 
Advances on other Commodi- 
 
Certified Checks ------------ --------- 
 
ties ---------------------- --------- Bills Payable -------------- 94,639 69 
 
Cbecks for Clearing House- 
 
Notes and Bills Re-discount- 
 
Collecitions -------------- 
 
362 91 
 
ed --------------------- 14,157 69 
 
Other Checks and Cash Items 2,7 46 54 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money -------- --------Liability on Letters of Credit 
 
O va necr de sr a f-t -s - -(-i-f- -a-n-y- )- -_-_-_-_-_ -_ _- -_ 
 
--------4,133 86 
 
and Acceptances --------Reserve for Interest and 
 
--------- 
 
Other Assets: 
 
Cash Short November 26, 
 
- - - - - 1920 ------------------- 
Expense Items ------------ 
 
141 30 282 50 
 
Taxes -------------------Other Liabilities: Collections not Remitted ___ _ 
 
--------1,377 53 
 
Total --------------------$408,151.16 Total --------------------$408,151.16 
 
 FIRST ANNTAL REPORT 
 
xix 
 
EXAMINER'S REPORT. 
 
BANK OF LILBURN, LILBURN. 
 
At Close of Business August 4, 1920. 
 
Date of Charter-.\ugust 9, 1911. 
 
Began Business-September 2, 1n11. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$145,809 59 Demand Loans ------------ --------Loans Secured by Real Estate --------United States Bonds________ 2,650 00 
 
Capital Stock Paid In _______ $ 25,000 Amt. Reserved for Branches Surplus Fund -------------- 5,000 Undivided Profits ---------- 4,292 
 
00 
00 30 
 
Other Stocks and Bonds____ Banking House -----------Furniture and Fixtures______ 
 
--------1,543 40 2,381 50 
 
Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this 
Due Stfarotem --B--a-n-k-s---i-n---o-th--e-r States ------------------- 
Currency ------------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton________ 
 
--------- 
6,902 78 
3,046 65 310 00 380 00 196 82 
--------- 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit 
Savings Deposits ---------Cashier's Checks ---------Certified Checks -----------Bills Payable -------------- 
 
58,900 81 28,445 52 
4,604 48 35,000 00 
 
Advances on other Commodi- 
 
Notes and Bills Re-discount- 
 
ties ---------------------Checks for Clearing House __ 
 
- - - - -8-8- -25- 
 
ed -------------------Certificates of Deposit for 
 
5,000 00 
 
Other Checks and Cash Items 1,439 95 Borrowed Money -------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances -------------------- --------- Reserve for Interest and 
 
Overdrafts (if any)--------- 1,665 75 Taxes -------------------- 
 
Other Assets: Cash Short ---------------Bills Receivable ----------- 
 
Other Liabilities: 9 87 Deposits ------------------10 57 
 
202 02 
 
Total ____________________ $166,435 13 Total --------------------$166,435 13 
 
B,\?\K'S STATEMENT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$126,440 74 Demand Loans ------------ --------Lo,ans Secured by Real Estate 3,133 91 United States Bonds________ --------Other Stocks and Bonds____ --------Banking House ------------ 1,543 40 Furniture and Fixtures______ 2,418 25 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches Surplus Fund -------------Undivided Profits --------Dividends Unpaid _________ _ Due to Banks in this State __ Due to Banks in other States, 
 
25,000 
5,000 3,250 
 
00 
00 27 
 
Other Real Estate Owned____ --------- 0. D. -------------------- 16,404 32 
 
Due from Banks in this State 
 
872 05 Call Money ---------------- 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------Currency ------------------Gold ---------------------- 
 
----------------________ _ 
 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit 
 
25,431 41 35,099 62 
 
Cash ---------------------Advances on Cotton________ 
 
298 28 --------- 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Advances on other Commodi- 
 
Cashier's Checks ---------- 
 
8,347 87 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o-u- s-e-_-_- 
 
-_ -_-_ -_ _- _- _-_- -_ 
 
Certified Checks -----------Bills Payable -------------- 
 
42,383 32 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
ances ------------------Overdrafts (if any)________ 
 
--------- 
------~-- 
32,784 47 
 
Notes and Bills Re-discounted -------------------- 
Certificates of Deposit for Borrowed Money _______ _ 
Liability on Letters of Credit 
 
4,000 00 
 
Other Assets: Adjustments _______________ 
 
and Acceptances --------53 04 Reserve for Interest and 
 
Mr. T. R. Bennett, Supt. ____ 
 
9,463 63 Taxes -------------------- 
 
Other Liabilities: 
 
Cash Long ---------------- 
 
85 
 
Checks Outstanding _______ _ 12,140 11 
 
Total --------------------$177,057 71 Total --------------------$177,057 77 
 
 XX 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOB'l'. 
BANK OF MAUK, MAUK. 
At Close of Business September 4, 1920. 
 
Date of Charter-December 12, 1910. 
 
Began Business--November 10, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 69,064 49 Capital Stock Paid in_______$ 15,000 00 
 
Demand Loans ------------- 1,766 78 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 6,000 00 Surplus Fund -------------- 1,000 00 
 
United States Bonds________ --------- Undivided Profits ---------- 1,772 63 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
16 00 
 
Banking House ------------- 1.870 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures ____ 1,978 47 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 10,649 93 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 30,873 34 
 
States ------------------- 
 
350 45 Demand Certificates of Deposit --------- 
 
Currency ------------------ 
 
701 00 Time Certificates of Deposit_ 18,225 31 
 
Gold ---------------------- ________ _ Savings Deposits ---------- --------- 
 
Silver, Nickels, Pennies __ _ 
 
100 56 Cashier's Checks ----------- 
 
363 73 
 
Advanc-es on Cotton________ Advances on other Commodi- 
 
--------- 
 
Certified Checks -----------Bills Payable -------------- 
 
--------31,500 00 
 
C ht ieecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s -e-_-_ 
 
--------79 25 
 
Notes and Bills Re-discounted ---------Certificates of Deposit for 
 
Other Checks and Cash Items 
 
869 80 Borrowed Money ----'---- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- --------- 
 
ances ------------------- _________ Reserve for Interest and 
 
Overdrafts (if any) ------------ 5,320 28 Taxes ------------------- --------- 
 
Other Assets ------------------ --------- Other AF<sets: -------------- --------- 
 
Total --------------------$ 98,751 01 Total --------------------$ 98,751 01 
EXAMINER'S REPORT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 60,641 18 Capital ,stock Paid In__________$ 15,000 00 
 
Demand Loans ---------------- --------- Amount Reserved for Branches --------Loans Secured by Real Estate --------- Surplus Fund -------------- 2,112 12 
 
United States Bonds---------- --------- Undivided Profits ---------- 
 
69 18 
 
Other Stocks and Bonds______ --------- Dividends Unpaid ------------ --------- 
 
Banking House ------------ 1,870 00 Due to Banks in this State____ --------- 
 
Furniture and Fixtures ____ 1,978 47 Due to Banks in other States --------- 
 
Other Real Estate Owned_____ --------- Call Money ------------------- --------- 
 
Due from Banks in this State 
 
Individual' Deposits Subject to 
 
Dep. Bkg. --------------- 4,600 00 Check ------------------- 41,540 91 
 
Due from Banks in other .~tates --------- Demand Certificates of Deposit -------- 
 
Currency ------------------ 
 
402 66 Time Certificates of Deposit_ 16,698 34 
 
Gold --------------------------- --------Silver, Nickles, Pennies ____ --------- 
 
Savings Deposits -------------Trust Funds on Deposit________ 
 
----------------- 
 
Advances on Cotton____________ ________ _ Cashier's Checks ----------- 1,670 85 
 
Advances on other Commodities --------- Certified Checks -------------- --------Checks for Clearing Ho~:<se__ --------- Bills Payable -------------- 26,099 99 
 
Other Checks and Cash ltems 1,461 84 Notes and Bills Rediscounted__ --------- 
 
Customers' Liability on Letters 
 
Ce,rtificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------- --------Overdrafts (if any) ______ 6,514 11 Liability on Letters of Credit 
 
Other Assets: -------------- ____ 
 
and Acceptances --------- --------- 
 
Impairment ---------------- 25,471-68 Rese,rve for Interest and Taxes -------- 
 
Expense ------------------- 
 
545 02 Other Liabilities: 
 
Outstanding Checks ------ 
 
288 88 
 
Approved Claims -------- 
 
4 6U 
 
Total --------------------$103,484 96 Total --~-----------------$103,484 96 
 
 FIRST ANNUAL REPORT 
 
XXI 
 
E:XAM'I:NEB'S BEPOBT. 
LEWIS BANKING CO., MONTEZUMA. 
 
At Close of Business August 23, 1920. 
 
Date of Charter-January 30, 1902. 
 
Began Business-March 12, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$651,776 93 Demand Loans ------------- 15,551 26 
 
Capital Stock Paid in ------$100,000 00 Am t. Reserved for Branches --------- 
 
Loans Secured by Real Estate 300,000 00 Surplus Fund -------------- 100,000 00 
 
United States Bonds -------- 37,596 00 Undivided Profits --------- 37,548 80 
 
Other Stocks and Bonds____ 16,467 50 Dividends Unpaid ---------- --------- 
 
Banking House -----------Furniture and Fixtures ___ :.. 
 
7,440 00 4,912 50 
 
Due to Banks in this State__ --------Due to Banks in other States --------- 
 
Other Real Estate Owned____ Due from Banks in this State 
 
--------14,720 44 
 
Call Money ---------------Individual Deposits Subject 
 
--------- 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies ____ 
 
58,379 74 10,113 00 ________ _ 
1,421 31 
 
to Check ---------------- 435,281 69 Demand Certificates of De- 
posit -------------------- 7,650 00 Time Certificates of Deposit_ 36,778 80 Savings Deposits __________ 44,795 78 
 
Advances on Cotton -------- 4,421 49 Trust Funds on Deposit____ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 5, 779 30 
 
ties ---------------------Checks for Clearing House__ 
 
________ _ 2,426 00 
 
Certified Checks ------------ --------Bills Payable ----------~--- 405,000 00 
 
Other Checks and Cash Items 1,681 17 Customers' Liability on Let- 
ters of Credit and Accept- 
ances -------------------- 146,700 00 Overdrafts (if any) ------- 4,244 38 Other As~ets: -------------- --------- 
 
Notes and Bills Re-discounted ---------Certificates of Deposit for 
Bryrrowed Money -------- --------r 
Liability on Letters of Credit and Acceptances --------- 105,000 00 
Reserve for Interest and Taxes ------------------- _________ 
 
Other Liabilities not In- 
 
cluded in the Above ______ 
 
17 39 
 
Total __________________ $1,277,851 76 Total ------------------$1,277,851 76 
 
BANK'S STATEMENT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABI,LITIES 
 
Time Loans ______________ $1,021,737 25 Capital Stock Paid in ______ $100,000 00 
 
Demand Loans ---------------- --------Loans secured by Real Estate --------United States Bonds _______ 15,750 00 
Other Stocks and Bonds_____ 17,313 50 Banking House ------------ 7,440 00 Furniture and Fixtures ____ 4,912 05 Other Real Estate Owned___ 2,600 00 Due from Banks in this State 17,861 90 
 
Amount Reserved for Branches --------Surplus Fund -------------- 100,000 00 Undivided Profits ---------- 46,813 21 Dividends Unpaid --------- --------Due to Banks in this State 13,068 16 
Due to Banks In other States --------Call Money -----~---------- --------Individual Deposits Subject to 
 
Due from Supt. of Banks___ 18,539 80 
 
Check ----------------- 372,750 79 
 
Gold -------------------------- --------- Demand Certificates of De- 
 
Silver, Nickels, Pennies____ Advances on Cotton ________ 
 
--------2, 702 88 
 
posits ------------------Time Certificates of Deposit_ 
 
5,850 00 35,206 30 
 
Advances on other Commodities --------- Savings Deposits ---------- 34,996 88 Checks for Clearing House__ --------- Trust Funds on Deposit ____ 13,049 43 Other Checks and Cash Items 15,164 72 Cashier's Checks ___________ 1,242 08 
 
Customern' Liability on Letters 
 
of Oredit and Acceptanc.es,_ --------- 
 
Overdrafts (if any) ------- 4,934 32 
 
Other Assets: 
 
Cash Short -------------- 
 
1 07 
 
(Fur. & Fix. a-c) Short__ 
 
45 
 
Acceptances Bought ____ _ 180,000 00 
 
Certified Checks ------------- -------Bills Payable -------------- 416,254 83 Notes and Bills Re-discounted 12,160 00 Certificates of Deposit for Bor- 
rowed Money --------------- _ __ Acceptances Sold ---------- 150,000--00 Other Liabilities: 
 
Unpaid Correspondent 
 
Drafts ------------------ 7,566 26 
 
Total ------------------$1,308,957 94 Total ------------------$1,308,957 94 
 
 xxn 
 
BANKIKG DEPARTMENT 
 
EXAMINER'S REPORT. 
BERRIEN COUNTY BANK, NASHVILLE. 
 
Date of Charter-October 2, 1911. 
 
Began Business-October 15, 1911. 
 
----------------------------------------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 39,677 81 Capital Stock Paid in ------$ 24,960 00 
 
Demand Loans ------------ 
 
936 26 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
6,947 40 --------- 
 
Surplus Fund -------------Undivided Frofits ---------- 
 
12S S5 
 
Other Stocks and Bonds____ 2,100 00 Dividends Unpaid ---------- 
 
Banking House ----"-------- 5,914 95 Due to Banks in this State __ 
 
Furniture and Fixtures ___ _ 4,490 36 Due to Banks in other States 
 
Other Real Estate Owned__ _ l,S75 S3 Call Money ---------------- 
 
Due from Banks in this State 14,3S2 53 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 21,166 so 
 
States ------------------- 2,705 60 Demand Certificates of Deposit 
 
Currency -----------------<S:ifol vlde r , - -N-i-c-k-e-l s-,- -P-e-n- -n-i e-s- -_-_-_-_Advances on Cotton________ 
 
2,7S9 00 Time Certificates of DeposiL 40 00 Savings Deposits ---------- 
432 46 Cashier's Checks ---------Certified Checks ------------ 
 
21,995 84 94 4S 
 
Advances on other Commoai- 
 
Bills Payable -------------- 15,000 00 
 
C ht ieecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s -e-_-_ 
 
Xotes and Bills Re-discounted Certificates of Deposit for 
 
Other Checks and Cash Items 
 
Borrowed Money -------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
O vaenrcdersa f-t s- - -(-i-f - -a-n-y-)- -_ -_ _-_-_-_-_- -_ Other Assets not Included 
 
Reserve for Interest and OtThaexr es Li-a-b-i-l-it-i-e-s---n-o-t----In--- 
 
Above ------------------- 
 
553 so cluded in the above _____ _ 
 
Total --------------------$ S3,345 97 Total --------------------$ 83,345 97 
 
BANK'S STATEMENT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ 48,879 77 
 
Demand Loans ---------------- --------Loans Secured by Real Estate --------United States Bonds _______ --------- 
 
Other Stocks and Bonds______ --------- 
 
Banking House ------------ 5,914 95 Furniture and Fixtures ____ 4,490 36 
 
Other Real Estate Owned___ 7,375 S3 
 
Due from Banks in this State 
 
652 13 
 
Due from Banks in other 
 
States ------------------- 
 
321 66 
 
Currency ------------------- --------- 
 
(}old ---------------------- --------- 
 
Silver, Nickels, Pennies_____ 
 
47 32 
 
Advances on Cotton________ --------- 
 
Advances on other Commodi- 
 
C ht ieecsk s- -f-o-r- -C- -l e-a-r-i-n-g- -H- -o-u-s-e-_-_ _-_-_-_-_-_-_-_- -_ 
 
Other Checks and Cash Items 
 
902 83 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
O va enrcdersa f-t-s- - -( i-f- -a-n- -y-)- - - - - - - Other Assets: 
T. R. Bennett Special Acct. Profit and Loss ---------- 
 
- - - - - -8 - -81- 
2,700 33 1,009 32 
 
Capital Stock Paid in _______ $ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- --------Undivided p.rofits -------------- --------Dividends Unpaid ------------ --------Due to Banks in this State____ --------Due to Banks in other States --------- 
 
Call Money ---------------- --------Individual Deposits Subject to 
 
DeCmhaenckd C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 16,103 20 
posit ------------------- 16,0S9 so 
Time Certificates of Deposit __ --------- 
 
Savings Deposits -------------- --------Trust Funds on Deposit________ --------- 
 
Cashier's Checks ----------- 
 
110 31 
 
Certified Checks -------------- --------Bills Payable -------------- 15,000 00 Notes and Bills Re-discounted --------Cerr-tificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances _________ --------- 
 
Rese.rve for Interest and Taxes --------Other Liabilities not Includ- 
ed in the Above __________ --------- 
 
Total --------------------$ 72,303 31 Total --------------------$ 72,303 31 
 
 FIRST ANNUAL REPORT 
 
XXlll 
 
EXAMINER'S REFORT. 
 
BANK OF GWINNETT, NORCROSS. 
 
At Close of Business July 22, 1920. 
 
Date of Charter-July 31, 1911. 
 
Began Business-August 3, 1911. 
 
_ _ _ _ _ _R_E_s_o_u_R_c_.l{;_s------~r------L-IA_B_I_L_I_T_IE_s_ _ _ __ 
 
Time Loans ---------------$230,077 64i Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans --------------- --------- Amt. Reserved for Branches Loans Secured by Real Estate 20,000 00 Surplus Fund -------------- 2,000 00 
 
United States Bonds -------- 2,434 89 Undivided Profits ---------- 5,967 37 
 
Other Stocks and Bonds____ Banking House ------------ 
 
1 
--3~333-7o 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
449 56 
 
Furniture and Fixtures ____ 3,381 43, Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State 
 
504 32 Indivirlual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ---------------------Silver, Nickels, Pennies ____ 
 
478 
 
1f 55t 
 
to Ch Demand 
 
eCcerktifica':'t~'S-,;i:O-e-po-sit 
 
106,163 
 
94 
 
935 oor 'J7i~e ~Certificates of Deposit 61,573 85 
 
---------~ Ha\ mM s Deposits _________ _ 
 
297 95, Cashi-er's Checks ----------- 
 
50 21 
 
Advances on Cotton________ Advances on other Commodi- 
 
- - - - - - - - - ~' 
 
Certi B}lls 
 
h "PralyaCbhle ~c l <-s - --------.-------------- -- 
 
77,000 00 
 
tief-1 ---------------------- ---------, Notes and B1lls Re-d1scounted 
 
Checks for Clearing House__ 
 
67 2H Certificates of Deposit for 
 
Other Checks and Cash Items 1,289 27!1 Borrowed Money ----'---- 
 
Customers' Liability on Let- 
 
~ Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances _________ _________ 
 
ances -------------------- --------- Reee.rve for Interest and Taxes 
 
Overdrafts (if any) ------- 5,975 311 Other Liabilities: _________ _ 
 
Other Assets: -------------- 
 
5 00 
 
575 24 
 
t: - - - - - 1'I 
Total --------------------$268,787 271 
 
Total --------------------$268,787 27 
 
EXAMIXER'S REPORT at Close of Business December 15, 1920 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$210,076 73 Capital Stock Paid In _______ $ 15,000 00 Demand Loans ------------ --------- Amt. Reserved for Branches Loans Secured by Real Estate --------- Surplus Fund -------------- 2,000 0.0 United States Bonds ------- --------- Undivided Profits ---------- 7,527 09 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 3,333 70 Due to Banks in this State __ Furniture and Fixtures ____ 3,381 43 Due to Banks in other States 
 
723 68 271 39 
 
nt!1er Hectl lCRtRte Owned ____ --------- Call J\Ioney ---------------- 
 
Due from Banks in this State 
 
378 21 Individual Deposits Subject 
 
Dne from Banks in other 
 
to Check ---------------- 
 
CuSrrteantceJs.r ----------------------------~----------- 
 
- _-_-_-.,-. _-_-_-_-_ 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
G0ld ____:__________________ --------- Savings Deposits _________ _ 
 
73,040 60 39,322 99 
 
Silver. Nickles, Pennies ____ 
 
418 08 Trust Funds on Deposit_ __ _ 
 
~AJlvances on Cotton___________ --------- Cashier's Checks ----------- 
 
89 47 
 
Advances on other Commodi- 
 
CPrtified Checks ------------ 
 
Chteiecks s--fo--r--C-l-e-a-r-in-g---H-o-u-s-e-_-_- 
 
------------------ 
 
Bills Payable -------------Notes and Bills Re-discounted 
 
85,500 00 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---~--- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaen rcdersa f-t s- - -(-i-f - -a-n- -y-)------------ -- -- 
 
------------------ 
 
and Acceptances ________ _ Reserve for Interest and 
 
Other ARsets: Deposit Through Banking 
 
Taxes ------------------Other Liabilities: ---------- 
 
Dept, -------------------- 3,358 83 Cash Over ----------------- 
 
82 
 
Total --------------------$223,476 04 Total --------------------$223,476 04 
 
 BANKING DEPARTMENT 
 
EX:AMJ:NEB.'S REPORT. 
 
CITIZENS BANK, OCILLA. 
 
At Close of Business September 2, 1920. 
 
Date of Charter-1906. 
 
Began Business-1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$219,001 15 Capital Stock Paid in_______ $ 78,000 00 
 
Demand Loans ------------ 
 
875 00 Amount Reserved for Branches 
 
Loans Secured by Real Estate 20,000 00 Surplus Fund -------------- 
 
Un!te.d States Bonds ------- 20,000 00 Undivided Profits ---------- 
 
398 57 
 
Other Stocks and Bonds_____ -------- Dividends Unpaid --------- 
 
160 00 
 
Banking House ------------ 9,794 05 Due to Banks in this State__ 1,598 74 Furniture and Fixtures ---- 9,303 79 Due to Banks in other States 
 
Other Heal Estate Owned____ --------- Call Money ---------------- 
 
J5~~ i~~t,;i B~~~sk~n l~is ~:~~~ 2,215 71 Individual Deposits Subject 
 
to Check ---------------- 87,672 88 
 
States ------------------- 
 
502 58 Demand Ce.rtificates of Deposit 
 
Currency -----------------Gold -------------------~--Silver, Nickels, Pennies ____ 
 
6,142 00 Time Certificates of Deposit 22,486 03 
 
277 50 Savings Deposits ---------- 3,935 13 
 
1,076 24 Cashier's Checks "----------- 
 
574 78 
 
Advances on Cotton___________ --------- <Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 102,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted 5,204 44 
 
Checks for Clearing House__ 
 
810 17 Certificates of Deposif for 
 
Other Checks and Cash Items 1,486 66 Borrowed Money ----~--- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ----------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities: ---------- 
 
348 65 
 
Total --------------------$302,379 22 Total --------------------$302,379 22 
-----------------'------------- --- 
BANK'S STATE;\fENT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$195,095 51 Capital Stock Paid in_______ $ 78,000 uO 
 
Demand Loans ------------- 1,389 77 Amount Reserved for Branches --------- 
 
l ''''nR SPrured by Real Estate ------~- Surplus Fund -------------- 
 
660 00 
 
United States Bonds ------- 20,000 00 Undivided P.rofits ------------- --------- 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
160 00 
 
Banking House ------------ 9, 794 05 Due to Banks in this State__ 12,294 78 
 
Furniture and Fixtures ----- 9,303 79 Due to Banks in other Stafes --------- 
 
Other Real Estate Owned __ --------- Call Money ---------------- --------- 
 
Due from Banks in this State 
 
219 80 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 81,630 11 
 
States ------------------Currency -------------------- 
 
89 43 --------- 
 
Demand Certificates of Deposit Time Certificates of Deposit_ 
 
--------- 
il, ;;;o 05 
 
SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s--_-_-_-_- 
 
_-_-_-_-_-_-_-_-_- 
 
Savings Deposits ---------Trust Funds on Deposit____ 
 
----------------- 
 
Advances on Cotton___________ --------- Cashier's Checks -----~---- --------- 
 
Advances on other Commodi- 
 
Certified Checks ------------- --------- 
 
Chteicekss -f-o-r--C-l-e-a-r-in--g--H-o-us-e-_-_- 
 
_-_- _-_-_--___-_- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
S~.900 0() 
5,204 44 
 
Other Checks and Cash Items 8,137 00 Certificates of Deposit for Bor- 
 
Customers Liability on Let- 
 
rowed Money --------------- ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) ------- 
 
30,228 97 
 
and Acceptances _________ --------ReserVe for Tnterest and Taxes --------- 
 
Other Assets not Included 
 
Other Liabilities: ---------- --------- 
 
Above ------------------Collection ---------------Losses ------------------ 
 
5,267 17 2,053 89 
 
Total ------------------ -~2~U'79 :,s Total --------------------1281,579 38 
 
 FIRST AN~UAL REPORT 
 
XXV 
 
E:XAMXNEB'S BEPOBT. 
 
ODUM BANKING CO., ODUM. 
At Close of Business July 10, 1920. 
 
Date of Cha.rter-April 20, 1916. 
 
Began Business-April 20, 1916. 
 
----------~----------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 
Demand Loans ------------- 
 
43,584 9,044 
 
57 SO 
 
Loans Secured by Real Estate United States Bonds __ ---- 
 
l.1.6~5 00 117 45 
 
Other Stocks and Bonds____ _ 
 
Banking House ------------ 3,000 00 Furniture and Fixtures -'---- 1,000 00 
 
Capital Stock Paid in -------$ 15,300 00 
 
Amount Reserved for Branches 
 
SUunrdpilvuids eFd uPnrdof-i-ts---_-_-_-__-_-.-_-__--_ 
 
4,000 00 169 48 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
Due to Banks in Other States 
 
Other Real Estate Owned __ 
 
Call Money ---------------- --------- 
 
Due from Banks in this State 7,289 98 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ______ ---------------- 
 
DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 33,138 i>6 
 
745 00 45 00 
 
TimpoesiCt er-t-if-i-c-a-te-s--o-f--D--e-p-o-s-i-L- 
 
21,316 57 
 
SAidl vvea rn c e-s- -o-n- -C-o-t-t-o-n-_-_-_-__-_-_-_-_-_-_ 
 
298 95 Savings Deposits ---------Cashier's Checks ----------- 1,029 94 
 
Advances on other Commodi 
 
Certified Checks ----------- 
 
Chteiecsks -f-o-r--C--le-a-r-in-g--H-o--u-s-e-_-_ 
 
Bills Payable -------------- 5,000 00 4,306 61 Notes and Bills Re-discounted 
 
Other Checks and Cash Items 
 
81 25 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money -------- Liability on Letters of Credit 
 
Ovaenrcdersaft-s--(-i-f -a--n-y-)--_-_-_-_-_-_-- 
 
and Acceptances -------876 84 Reserve for Interest and 
 
Other Assets not Included Above ------------------- 
 
Taxes ------------------Other Liabilities not Includ- 
ed in the Above ---------- 
 
21 90 
 
Deposits made since closing 5,038 70 
 
Total -------------------$ 85,015.45 Total -------------------$ 85,015.45 
 
BANK'S STATEMENT at Close of Bus.iness December 31, 1920. 
 
RESOURCES 
 
I 
 
LIABILITIES 
 
Time Loans ---------------$ 37,983 43 Capital Stock Paid in_______$ 15,300 00 
 
Demand Loans ------------ 9,330 91 Surplus and Undivided Profits 4,610 02 
 
Loans Secured by Real Estate ---------  
 
United States Bonds -------- 117 45! Deduct: 
 
19,910 02 
 
Other Stocks and Bonds ---- ---------  Discrepancy 
 
Banking House ------------ 4,000 00 Dickerson Former 
 
Furniture and Fixtures-------- --------- Cashier ________ $23,100 72 
 
Other Real Esta~e 0-.yned___ 5,000 00 Less his Bond pd. 5,000.00-$18,100 72 
 
Due from Banks m thiS State 5,000 00 
 
Due from Banks in other 
 
1,809 30 
 
States ------------------- --------- Undivided Profits ----------- --------- 
 
Currency ------------------ 
 
60 00 Dividends Unpaid ------ --- ------- _ 
 
GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__-_- 
 
--------12 00 
 
DuJeesutop BBakngk. sCoin___th__is___S_t_a_te_ 
 
5,!i.~ ~ , 2 
 
Advances on Cotton____________ --------- Due to Banks in other States ________ _ 
 
Advances on other Commodi- 
 
Call Money ---------------- --------- 
 
ties --------------------- -------- Individual Deposits Subject 
 
Checks for Clearing House__ Other Checks and Cash Items 
 
--------608 75 
 
to Check ----------------Demand Certificates of Deposit 
 
29,717 52 --------- 
 
Customers Liability on Let- 
 
Time Certificates of Deposit 20,644 62 
 
ters of Credit and AcCBpt- 
 
Savings Deposits ------------- --------- 
 
O vaenrcdersa f t -s - -( -I f- -a-n-y- )- - -- -- -- -- -- -- -- -- 
 
- -6-,-2-3 1- - -2 5- 
 
Trust Funds on Deposit_______ Cashier's Checks ----------- 
 
--------633 23 
 
Other Assets not Included 
 
Certified Checks ----------- --------- 
 
Above ------------------- --------- Bills Payable -------------- 10,000 00 
 
Notes and Bills Rediscounted --------- 
 
C~rtificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances _________ --------- 
 
Rese.rve for Interest and Taxes --------- 
 
Other Liabilities: ---------- --------- 
 
Total --------------------$ 68,343 19 Total ____________________ $ 68,343 79 
 
 B,\.NKING DEP,\.RTMEKT 
 
EXAMINER'S REPORT. 
BANK OF PAVO, PAVO. 
,\ t Close of Business August 10, 1920. 
 
Date of Charter-1903. RESOURCES 
 
Began Bus,iness-September 5, 1903. LIABILITIES 
 
Time Loans ---------------$262,167 70 
 
Demand Loans ------------- 3,953 51 J .o3 n s Secured by Real Estate --------United States Bonds -------- 6,500 00 Other Stocks and Bonds ____ --------- 
 
Banking House ------------ 2,100 q ~h'urnitnre anrl Fixtures ____ 2,948 37 
 
Other Real Estate Owned ___ ------ ~uue from Banks in til is State 9, 710 37 Due from Banks in other 
 
States ------------------- 5, !50 46 Currency ------------------ l.<jS'J 00 
 
(C}nlrl ---------------------- --------- 
Silver, Nickels, Pennies ____ 1,563 ;:g 
 
Arlvances on Cotton_~---------- --------Advances on other Commodi- 
 
ties --------------------- --------- 
 
Checks for Clearing House__ 
 
5;)2 ~8 
 
Other Checks and Cash Items 2,755 J"i Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- _ . _ . _..... _ Overdrafts (If any) -------- l,~w 02 Other Assets: -------------- ________ _ 
 
Capital Stock Paid in ------$ 33,100 00 
 
Amt. Reserved for Branches --------- 
 
Surplus Fund -------------- 10,000 00 
 
UDnivdiidveinddeds PUrnopfiatisd --_-_-_-_-__-_-_--_ 
 
25,532 30 150 00 
 
Due to Banks in this State__ --------- 
 
Due to Banks in other States --------- 
 
Call Money ---------------- --------Individual Deposits Subject to 
 
Check ------------------- 94,666 19 Demand Certificates of De- 
 
posit -------------------- --------Time Certificates of DeposiL 96,322 30 
 
Savings Deposits ---------- --------- 
 
Cashier's Checks ----------- 
 
307 31 
 
Certified Checks ----------- --------- 
 
Bills Payable -------------- 40,000 00 
 
Notes and Bills Re-discounted --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- -------Liability on Letters of Credit 
 
and Acceptances --------- --------- 
 
Reserve for Interest and Taxes -------- 
 
Other Liabilities: 
 
Deposits ------------------- 
 
253 97 
 
Cash Long ----------------- 
 
54 97 
 
Total --------------------$300,387 04 Total --------------------$300,387 04 
 
BANK'S STATE:viENT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITlES 
 
Time Loans ---------------$152,795 22 
 
Demand Loans ------------- 4,500 00 Loans Secured by Real Estate 65,147 60 
 
United States Bonds ------- --------Other Stocks and Bonds ____ --------- 
 
Banking House ------------ 2,100 67 Furniture and Fixtures ____ 2,948 37 
 
Other Real Estate Owned __ --------- 
 
Due from Banks in this State 
 
371 35 
 
Due from Banks in other 
 
States ------------------- --------- 
 
Currency ------------------ 4,957 00 
 
Gold ----------------------- 
 
20 00 
 
~il~~~c~i~~el~'ot~,;~n~~~-==== 9,m gg 
 
Advances on other Comm<Hli- 
 
ties --------------------- 1,229 29 
 
Checks for Clearing House__ --------- 
 
Other Checks and Cash Items 
 
513 38 
 
Customers' Liability on Letters of Credit and Accept- 
 
ances -------------------- --------Overdrafts (If any) -------- 1,132 07 
 
Other Assets: -------------- --------- 
 
Capital Stock Paid in ------$ 33,100 00 Amt. Reserved for Branches --------Surplus Fund -------------- 10,000 00 Undivided Profits ---------- 19,189 69 Dividends Unpaid _____ . __ _ --------Due to Banks in this State__ 6,327 39 Due to Banks in other States --------- 
Call Money ---------------- --------Individual Deposits Subject to 
Check ------------------- 66,040 89 Demand Certificates of Deposit ----- -~-- Time Certificates of Deposit 65,291 98 Savings Deposits _______ :_ __ --------- 
'6~~tei-'~c~~c~~ -~~~~_:;~::::::::::::: ---927-o5 
Certified Checks ----------- --------Bills Payable -------------- 43,626 45 Notes and Bills Re-discounted 435 00 Certificates of Deposit for Bar- 
rowed Money ------------ --------Liability on Letters of Credit 
and Acceptances _____ ____ --------Rese.rve for Interest and Taxes -------Other Liabilities: ---------- --------- 
 
Total -------------------$245,938 45 Total --------------------$245,933 45 
 
 FIRST ANNUAL REPORT 
 
xnii 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK, ROSWELL. 
 
At Close of Business October 13, 1920. 
 
Date of Charter-November 24, 1910. 
 
Began Dusiness-December 1, 1\llO. 
 
-------------------------------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$189,726 01 Capital Stock Paid in ______ $ 21,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
United States Bonds -------Other Stocks and Bonds ____ 
 
21,744 13 25,000 00 
693 87 --------- 
 
Amt. Reserved for Branches Surplus Fund -------------- 
Undivided Profits ---------Dividends Unpaid ---------- 
 
- -2-,-4 0- 0- - -0-0 5,335 29 60 00 
 
Banking House ------------ --------- Due to Banks in this State__ --------- 
 
Furniture and Fixtures ____ 1,762 32 Due to Banks in other States --------- 
 
Other Real Estate Owned___ 1,489 36 Call Money ---------------- --------- 
 
Due from Banks in this :State 8,396 81 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 70,217 34 
 
States ------------------- 
 
270 45 Demand Certificates of Deposit ________ _ 
 
Currency ------------------ 3,038 00 Time Certificates of DeposiL 108,854 88 
 
Gold ---------------------- 
 
85 00 Savings Deposits ---------- --------- 
 
Silver, Nickels, Pennies ____ 1,302 86 Trust Funds on Deposit____ _________ 
 
Advances on Cotton____________ --------- Cashier's Checks ----------- 
 
173 05 
 
Advances on other Commodi- 
 
Certified Checks ___________ __ - ____ _ 
 
ties --------------------- --------- 
 
Checks for Clearing House__ 
 
119 77 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,435 44 
 
ances ------------------- --------Overdrafts (If any) ________ 3,156 77 
 
Other Assets: -------------- --------- 
 
Bills Payable -------------- 50,000 00 Notes and Bills Re-discounted ________ _ 
 
Certificates of Deposit for Bor- 
 
 
 
rowed Money ------------ --------- 
 
Liability on Letters of Credit 
 
Re~enaned 
 
Acceptances _______ for Interest and 
 
--------- 
 
OtThaexr eLs ia-b-il-i-ti-e-s-:------------ 
 
56 07 
 
Sundry Credits _________ _ 
 
119 85 
 
Cash Long --------------- 
 
3 41 
 
Total --------------------$258,220 79 Total ____ _: _______________ $258,220 79 
 
BANK'S STATEMENT at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$140,785 Demand Loans ------------ 20,811 Loans Secured by Real Estate 32,964 
 
22 05 74 
 
Capital Stock Paid in ______$ 21,000 
Amt. Re~erved for Branches Surplus Fund -------------- 2,400 
 
00 00 
 
United States Bonds -------- 
 
694 97 Undivided Profits ---------- 
 
War Savings Stamps ------- 
PF~ptdn~ Hou~e - - - - - - - - - - - - 
 
43 20 ________ .... 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
4,308 03 
60 00 1,823 78 
 
Furniture and Fixtures ---- 1,762 32 Due to Banks in other States 
 
Other Real Estate Owned____ 1,489 36 Call Money ---------------- --------- 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------ 
(:::-qld ---------------------- 
Silver, Nickels, Pennies ---_/\_(1vances on Cotton___________ 
 
10,225 83 
117 36 189 00 
--------- 
6 46 --------- 
 
Individual Deposits Subject to DCehmeacnkd --C-e-r-ti-f-i-c-a-te-s---o-f--D--e-- 61,241 
posit ------------------- 57,931 Time Certificates of Deposit_ 23,279 Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
22 
48 31 
 
Advances on other Commodities --------------------- 
Checks for Clearing House__ Other Checks and Cash Items Customer,;' Liability on Let- 
 
----------------- 
466 81 
 
Cashier's Checks ----------Certified Checks ___ - ____ _ 
 
274 27 
 
Bills Payable -------------- 39,205 67 Notes and Bills Re-discounted ________ _ 
 
Certificates of Depo,sit for Bor- 
 
ters of Credit and AcceptOavnecrdesraf-t-s--(-if--a-n-y--( -_-_-_-_-_-_-__-_- 
 
--2~023-84 
 
rowed Money -----------Liability on Letters of Credit 
and Acceptances _______ _ 
 
Other Assets: -------------- --------- Reserve for Intere-st and O tThaexr e sL i a-b-i-l i-t-i -e -s :- - -- -- -- -- -- -- -- -- -- -- 
 
56 40 
 
Total --------------------$211,580 16 j Total --------------------$211,580 16 
 
 XXVlll 
 
BANKING DEP.A.RTMENT 
 
EX:AMI:NEB'S BEPOBT, 
SYLVANIA BANKING CO., SYLVANIA. 
 
Date of Charter-April 10, 1911. 
 
Began Business-May 2, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$198,988 07 
 
Demand Loans ------------ 19,401 54 Loans Secured by Real Estate United states Bonds _______ -1-3:oso-oo 
 
Other Stocks and Bonds ____ --------- 
 
Banking House -----------Furniture and Fixtures ---Other Real Estate Owned___ _ 
 
Due from Banks in this State 
 
Due from Ba.nks in other 
 
States ------------------- 
 
292 83 
 
Currency ------------------ 8,129 00 
 
SGiolvlder, -N--i-c-k-e-ls-,--P-e--n-n-ie--s--------- 2,240120 3003 
 
Advances on Cotton. ----------- --------- 
 
Advances on other Commodities --------Checks for Clearing House__ --------- 
 
Other Checks and Cash Items 5,831 24 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) -------- 10,144 10 
 
Other Assets --------------- 14,293 90 
 
Capital Stock Paid in ------$ 25,000 00 Amt. Reserved for Branches --------Surplus Fund -------------- 5,000 00 Undivided Profits ---------- 4,405 80 Dividends Unpaid ----------- --------Due to Banks in this State__ 3,137 96 Due to Banks in other States --------Call Money ---------------- --------Individual Deposits Subject to 
Check ------------------- 110,589 94 Demand Certificates of De- 
TimpoesitCer-t-if-i-c-a-t-e-s--o-f--D--e-p-o-s-it- -5-5-,2-0-9---4-5 Savings Deposits ---------- --------Trust Funds on Deposit ____ 6,526 71 Cashier's Checks ---------- 1,407 43 Certified Checl<s ____ __ ___ _ _-- ------ 
Bills Payable -------------- 69,000 00 Notes and Bills Re-discounted --------Ce~rtificates of Deposit for Bor- 
rowed Money ------------ --------Liability on Letters of Credit 
and Acceptances --------- --------Reserve for Interest and Taxes ------Other Liabilities: ---------- --------- 
 
Total --------------------$280,277 2G Total --------------------$280,277 29 --------'--------------- 
BANK'S STATEMENT at Close of Business December 31, 1920. 
 
IUJSOURCES 
 
LIABILITIES 
 
Time Loans ---------------$163,492 11 Demand Loans _____________ 16,055 67 
 
Loans Secured by Real Estate --------United States B,onds______ 19,000 00 
 
Other Stocks and Bonds ____ 
 
235 56 
 
Banking House ------------ --------Furniture and Fixtures ____ 2,780 03 
 
Other Real Estate Owned __ 4,318 34 
 
Due from Banks in this State 354 ;33 Natl. Bk. City ______________ 6,298 13 
 
Due from Banks in other 
 
States ------------------- 
 
275 53 
 
Gold ---------------------- _________ 
 
Silver, Nickels, Pennies ____ --------Advances on Cotton _.:.______ 2, 789 67 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ --------- 
 
Other Checks and Cash Items 6,140 65 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaenrcdetsaft-H---(-if--a-n--y-)--_-_-_-_-_-_-_-_ --6-,-42-8---ll7Other Assets ______________ 8,592 51 
 
Total --------------------$236,760 60 
 
Int; pd. Time c[d _________ _ 
InEt.xppde.nsBe. -P-, -__-_-_-_-_-_-_-_-_-_-_-_-_--_ P. & L. (Recconcilment) ___ _ 
 
3,075 22 4,813 27 2,341 88 3,403 85 
 
Capital Stock Paid in_______$ 25,000 00 
 
Ai:nt. Reserved for Brancl1es --------- 
 
Surplus Fund -------------- 5,000 00 Undivided Profits ---------- 7,030 66 Dividends Unpaid ______ ..... - ---------Due to Banks in this State__ 4,071 56 
 
Due to Banks in other States --------- 
 
Call Money ---------------- --------Individual Deposits Subject to 
 
Check ------------------Demand Certificates of De- 
 
72,187 61 
 
posit 
 
----------------- --------- 
 
Time Certificates of Deposit 37,463 33 
 
Savings Deposits ------------- --------Trust Funds on Deposit ____ --------- 
 
Cashier's Checks ----------- 6,316 18 
 
Certified Checks ----------- --------Bills Payable -------------- 79,691 26 Notes and Bills Re-discounted --------Certificates of Deposit for Bor- 
rowed Money ------- _ -- ____ - __ 
 
Liability on Letters of Credit 
 
and Acceptances --------- --------Rese.rve for Interest and Taxes ________ _ 
 
Total --------------------$236,760 60 
 
Other Liabililies; 
 
Int. acct. ---------------- 4,925 85 
 
Exchange ---------------- 
 
115 86 
 
Dif. --------------------- 8,592 51 
 
13,634 22 
 
13,634 22 
 
 FIRST ANNUAL REPORT 
 
xxix 
 
EXAMJ:NEB.'S B.EPOB.T. 
 
FARMERS' BANK, UNION POINT. 
 
At Close of Business J"uly 10, 1920. 
 
Date of Cha;rter-1911. 
 
Began Business--J"uly 12, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$ 79,298 53 Capital Stock Paid in ______$ '15,000 00 
 
Demand Loans ------------- 11,7 40 17 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 17,500 00 Surplus Fund -------------- --------- 
gf~~~dS~~~~;sa~gn~~nds-==== _:~:~~-~~ ~r~:;1~~~ J~~~1~ ========== 7 ' 5 ~~ g~ 
 
Banking House ------------ 3,000 00 Due to Banks in this State__ --------Furniture and Fixtures ____ 1, 713 48 Due to Banks in other States --------- 
 
Other Real Estate Owned __ ___ _____ Call Money ---------------- --------- 
 
~~: ff,?o~ B~~~~in 1~is ~i~~~ 6,298 59 IIn~~vg},~~~ ~=~~~~~~--~~~~=~~ 74053 78 
 
gg] g~fS~teante~s~---=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=- 45',063~g3 55 DTi~e:mi~aenrtdifiCcaetr-teisf-i-coai-te:Ose_po_fo_'~Diet:- -2-Di78-86 
 
Silver, Nickels, Pennies ____ 968 19 Savings Deposits ---------- --------Advances on Cotton____________ --------- Cashier's Checks ----------- 2,673 79 
 
Advances on other Commodities --------- Certified Checks ------------ --------- 
 
Checks for Clearing House__ --------- Bills Payable -------------- 10,000 00 
 
Other Checks and Cash Items 
 
919 27 Notes and Bills Rediseounted --------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ________ --------- 
 
ances -------------------- --------- Liability on Letters of Credit Overdrafts (if any)________ --------- and Acceptances ------- __ --------- 
 
Other Assets: ------------- 
 
53 16 Reserve for Interest and Taxes --------- 
 
Other Liabilities: ---------- --------- 
 
Total --------------------$133,419 94 Total --------------------$133,419 94 
 
EXAMINER'S REPORT at Close of Business December 29, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$104,827 50 Capital Stock Paid in ------$ 15,000 00 
 
Demand Loans ---------------- --------- Amt. Reserved for Brancnes 
 
Loans Secured by Real Estate --------- Surplus Fund --------------United States Bonds _______ --------- Undivided Profits ---------- 5,229 28 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
24 00 
 
Banking House ------------ 3,000 00 Due to Banks in this State __ 3,721 06 Furniture and Fixtures _____ 1, 713 48 Due to Banks in other States 
 
Other Real Estate Owned __ ------ __ _ Call Money -------------, Due from Banks in this State 4,219 42 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
221 76 DetomaCnhdeckCe-r-ti-f-ic-a-t-e-s---o-f--D--e-- 64,938 69 
 
Currency --------------------Gold -------------------------- 
 
----------------- 
 
T i mp oes i tC e-r-t i-f-i c- a- t-e-s- -o- f- - -D-e-p-o- s-i-t 
 
22,026 06 
 
Silver, Nickels, Pennies ____ --------- Savings Deposits -------- _ 
 
Advances on Cotton.___________ --------- Trust Funds on Deposit ___ _ 
 
Advances on Other Commodi- 
 
Cashier's Checks ----------- 3,173 59 
 
ties ---------------------- --------- Certified Checks ---------- _ Checks for Clearing House__ --------- Bills Payable -------------- 15,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money -------- 
 
ances -------------------- --------- .Liability on Letters of Credit 
 
Overdrafts (if any) -------Other Assets: 
 
8,198 42 and Acceptances --------Reserve for Interest and 
 
Loans Short ------------Md Ledger Long --------- 
 
560 20 6,371 90 
 
OtThaexr eLs ia-b-i-li-t-ie-s--n--o-t--I-n-c-lu-d--- 
 
ed in the Above ---------- 
 
Total --------------------$129,112 G2 Total --------------------$129,112 68 
 
 XXX 
 
BANKI~G DEPARTMENT 
 
EXAMINER'S REPORT. 
PLANTERS' BANK, WHITE PLAINS. 
At Close of Business August 9, 1920. 
 
Date of Charte,r-April 9, 1919. RESOURCES 
 
Began Business-April 26, 1919. LIABILITIES 
 
Time Loans ---------------$ 87,938 64 Demand Loans ---------------- --------Loans Secured by Real Estate --------United States Bonds _______ --------Other Stocks and Bonds ____ --------- 
Banking House ------------- 2,400 88 Furniture and Fixtures ____ 2,410 17 
 
Capital Stock Paid in ______$ 15,000 00 
Amt. Reserved for Branches --------- 
Surplus Fund ----------------- --------Undivided Profits ---------- 3,738 47 Dividends Unpaid ---------- --------Due to Banks in this State__ --------Due to Banks in other States --------- 
 
Other Real Estate Owned __ Due from Banks in this State 
 
------ __ _ 6,101 46 
 
Call Money ---------------Individual Deposits Subject 
 
--------- 
 
Due from Banks in other 
 
Check ------------------- 46,078 16 Demand Certificates of De- 
 
States ------------------Currency -----------------GSiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__-_- 
 
9 70 
 
2,141 00 
 
2,19550 
 
oo 
SS 
 
rosit -------------------- __ --------Time Certificates of Deposit_ 11,943 24 Savings Deposits _____________ -- _ 
 
Advances on Cotton _____ -----~---- Cashier's Checks ----------- 
 
23 50 
 
Advances on other Commodities --------- Certified Checks ----------- --------- 
 
Checks for Clearing House__ 
 
152 R~ Bills Payable -------------- 30,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
1,110 73 
 
Notes and Bills Re-discounted --------Certificates of Deposit for 
 
ters of Credit and Accepto,a.enrcdersaf-t-s--(-i-f --a-n-y-)---__-_-_-_-_-_- 
 
- -2-, 2- 6-6- - -02- 
 
Borrowed Money -------Liability on Letters of Credit 
and Acceptances _________ 
 
----------------- 
 
Other Assets: 
 
Reserve for Interest and 
 
Cash Short -------------- 
 
6 00 
 
Taxes ------------------Other Liabilities not Includ- 
 
--------- 
 
ed in the Above ---------- --------- 
 
Total --------------------$106,7 83 "7 ! Total --------------------$106,783 37 
 
BAN'K'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 66,448 11 Demanrl Loans ---------------- --------Loans Secured by Real Estate 3,839 79 
 
Capital Stock Paid in ------$ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 
 
United States Bonds _______ Other Stocks and Bonds ____ Banking House -----------Furniture and Fixtures ____ 
 
----------------- 
2,400 88 2,410 17 
 
1Ulinvdiidveinddesd "PCrnopfaiitds _-_-_-_-_-_-_-_-_-_- 
Due to Banks in this State__ Due to Banks in other States 
 
1,877 09 
 
Other Real Estate Owned __ --------Due from Banks in this State 2,001 20 Department of Banking ____ 1,481 46 Due from Banks in other States --------Currency --------------------- --------GSiollvder-, --N-i-c-k-e--ls-,--P--e-n-n-i-e-s---_-_-_-_- _-_-_-_-_-_-_-_-_- 
Advances on Cotton ------ --------Advances on other Commodities --------Checks for Clearing House__ __ ------ __ Other Checks and Cash Items --------Customers' Liability on Let- 
ters of Credit and Accept- 
Oavnecrdesraf-t-s--(-if--a-n-y-)-_-_-_-_-_-_-_-_-_- --1-,1-9-8---46- 
 
Call Money ---------------Individual Deposits Subject to 
DeCmhaenckd -C-e-r-t-if-i-c-a-t-e-s--o-f---D-e-- 
posit ------------------Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit____ 
Cashier's Checks ---------Certified Checks ----------Bills Payable -------------Notes and Bills Re-discounted CertificateR of Deposit for 
Borrowed Money -------Liability on Letters of Credit 
 
30,098 78 6,446 67 
28,089 33 
 
Other Assets: 
 
and Acceptances --------- 
 
Cash Items Counted as Cash 1, 731 7 1 Reserve for Interest and 
 
OtThaexr eLs ia-b-i-li-t-ie-s---n-o-t--i-n-c-lu--d-- 
 
ed in the Above ---------- 
 
Total --------------------$ 81,511 87 Total --------------------$ 81,511 87 
 
 FIRST ANNl:AJ, REPORT 
 
xxxi 
 
AMENDMENTS TO CHARTERS GRANTED TO INCREASE CAPITAL DURING THE YEAR 1920. 
(THIRTY-FIVE) 
 
DATE 
 
AMOUNT 
 
NAME OF BANK 
 
LOCATION APPROVED 
 
OF INCREASE 
 
Bank of Alapaha_______ Alapaha ____ ;\fch. 20, 1920____From $25,000.00 to $30,000.00 
 
Peoples Bank. ---------.Athens _____Mch. 20, 1920 ____From 50,000.00 to 100,000.00 
 
Atlanta Commercial Bk_.Atlanta_____June 17, 1920___ From 25,000.00 to 50,000.00 
 
G:'L. Svgs. Bank & Tr. Co __ Atlanta____ ..Apr. 8, 1920 _____From 200,000.00 to 500,000.00 
 
Citizens Bank_ ---------Bainbridge. _Feb. 17, 1920 ___ .From 30,000.00 to 100,000.00 Bank of Bowman______,Bowman____Aug. 10, 1920____From 25,000.00 to 35,000.00 
 
Brunswick B. & T. Co.--Brunswick __Legislative ______ From 100,000.00 to 150,000.00 
 
Charter. Bank of Cherokee. ______Canton_____ ,Sept. 10, 192Q___From 25,000.00 to 50,000.00 
 
Bank of Collins _________Collins_____ ,Feb. 12, 1920____ From 15,000.00 to 25,000.00 
 
by transferring $10,000.00 
 
Columbus Svgs. Bk. & 
 
from its surplus. 
 
Tr. Company_________Columbus ___ Oct. 16, 1920____From 200,000.00 to 250,000.00 
 
Bank of Decatur _______,Decatur____.S(lpt. 23, 1920 ___From 25,000.00 to 100,000.00 
 
Citizens Bank __________ Fort Valley_June 1, 1920____From 50,000.00 to 1!00,000.00 
 
Glennville Bank _______ Glennville. -~<\.pr. 27, 1920____ From 30,000.00 to 60,000.00 
 
Farmers Bank __________Glennwood __,June 14, 1920___From 20,000.00 to 50,000.00 
 
Citizens Bank __________ Hahira_____,Nov. 11, 1920____From 25,000.00 to 35,000.00 
 
Bank of Harriwn ______,Harrison___ ,Inrease from. ___From 15,000.00 to 25,000.00 
 
surplus. No 
 
amendment re 
 
quired. Farmers & Merchants Bk..HartwelL_ ..July 20. 1920____ From 25,000.00 to 50,000.00 
 
LaGrange B. & T. Co, ____,LaGrange ___Legislative _____ From 2,00,000.00 to 250,000.00 
 
Charter. Bank of Meigs _________Meigs. _____ Nov. 18, 1920 ____ From 75,000.00 to 100,000.00 
 
Farmers & Merchants Bk.J\filledgeville.Mch. 24, 1920____From 40,000.00 to 80,000.00 
 
Bank of Monroe. ______ ,J\fonroe _____Mch. 17, 1920 ____From 100,000.00 to 300,000.00 
 
Farmers Bank_________ ,i\fonroe _____Feb. 9, 1920_____From 60,000.00 to 100,000.00 
 
Farmers Bank _________ ,l\1onroe _____Nov. 22, 1920____ From 100,000.00 to 150,000.00 
 
Union Banking Co, _____ Monroe. ____Mch. 29, 1920____From 40,000.00 to 60,000.00 
 
Farmers & Merchants Bk..McDonough_:Mch. 16, 1920___ .From 30,000.00 to 100,000.00 
 
Newnan Bkg. Co. ______,Newnan___ .Mch. 30, 1920. __ .From 125,000.00 to 400,000.00 
 
Exchange Bank ________ Savannah___ Mch. 10, 1920____ From 125,000.00 to 250,000.00 
 
Mercantile B. & T. Co,___ Savannah ___Apr. 20, 1920____From 200,000.00 to 300,000.00 
 
Bank of Tallapoosa____ Tallapoosa__Dec. 30, 1920____From 25,000.00 to 60,000.00 
 
Farmers & Merchants Bk..'I'110maston__l\Ich. 18, 1920____From 25,000.00 to 50,000.00 Bank of TignalL ______ Tignal! _____ June 2, 1920____ From 25,000.00 rto 50,000.00 
 
Merchants Bank ________Valdosta. ___Nov. 8, 1920 _____From 100;000.00 to 200,000.00 
 
Merchants & Planters Bk..Villa Rica__ June 12, 1920___ From 30,000.00 to 50,000.00 Jefferson Co. Bank_____Wadley _____ June 4, 1920 ____ From 25,000.00 to 30,000.00 
 
Citizens Bank __________West Point-Aug. 23, 1920 ____From 25,000.00 to 50,000.00 
 
 XXXll 
 
BANKING DEPARTMENT 
 
AMENDMENTS TO CHARTERS DECREASING CAPITAL STOCK (SIX) 
 
DATE NAME OF BANK LOCATION APPROVED 
 
AMOUNT OF DECREASE 
 
Ambrose-EnigmaBkg. Co.Ambros'e___ .Mch. 12, 1920. __ .From $25,000.00 to $15;000.00 Bank of Arnoldsville. ____Arnoldsville_Nov. 1, 1920 ____From 25,000.00 to 15,000.00 Peoples Bank___________ Gordon. ____ June 25, 1920___ From 25,000.00 to 20,000.00 ~armers State Bank_ __ ---Register ____.June 14, 1920 ___From 25,000.00 to 15,000.00 
ank of Sale City_-- -----Sale City___ .June 17, 1920___From 25,000.00 to 15,000.00 Farmers Bank_________ .Zebulon_____N ov. 22, 1920____From 35,000.00 to 27,000.00 
 
AMENDMENTS GRANTED TO CHANGE CORPORATE NAME (SIX) 
 
NAME OF BANK 
 
TDATE LOCATION APPROVED 
 
TO BE KNOWN AS: 
 
Albany Tr. Co. of Ga. ____ Albany__ Aug.16, 1920___Albany Trust & Banking Co. 
Ambrose-EnigmaBkg.Co..Ambrose.Mch.12, 1920___Bank of Ambrose Columbus Svgs. Bank____columbusJune 1, 1920___ Columbus Svgs. Bank & T'r. Co. Bank of Decatur ________.Decatur_. Sept. 23, 1920___ Decatur Bank & Tr. Co. Newnan Banking Co. _____Newnan. Mch. 30, 1920___ Newnan Bank & Trust Co. Farmers & Merchants Bk."Nicholls'_ Apr. 12, 1920___ Farmers Bank 
 
RENEWAL OF CHARTERS GRANTED (TWO) 
 
NAME OF BANK 
 
LOCATION DATE APPROVED 
 
PER.IOD 
 
Exchange Bank _________Albany________Mch. 18, 1920 ____________Thirty years 
(Reapproved: Nov. 29, 1920) Middle Georgia Bank___,Eatonton ______.July 19, 1920____________ Thirty years 
 
MISCELLANEOUS AMENDMENTS TO CHARTERS (FOUR) 
 
NAME OF BANK LOCATIOX DATE APPROVED 
 
NATURE OF APPLICATION 
 
Albany Tr. Co. of Ga.. Albany-----,Aug. 16, 1920 _____ ACQUIRING Peoples' Bank________Talbotton___:Yich. 4, 1920_____LEGISLATIVE 
Bank of Tifton_____ Tifton_____ .Feb. 5, 1920 _____ PROVISIONS Merchants Bank_____Valdosta____Nov. 8, 1920____ _ 
 
 - - - - - - - - - - - - -~-- - 
 
FIRST ANNUAL REPORT 
 
XXXlll 
 
STATE BANKS AND TRUST COMPANIES MERGED (SIX) 
 
NAME OF BANK LOCATION 
 
DATE 
 
NATUR.E OF ACTION 
 
Farmers & Merchants..Gainesville. ___ Dec. 31, 1920..Merged with the Gainesville 
 
. 
 
National Bank, Gainesville, Ga. 
 
Hart County Bank___ Jiartwell _____.Sept. 10, 1920..Converted into First National 
 
Bank, Hartwell, Ga. 
 
Bank of Jackson Co. Jefferson _____Jan. 13, 1920__Merged with First National 
 
Jefferson Bkg. Co____. 
 
Bank, Jefferson, Ga. To be 
 
known as the JeffersonNational 
 
Bank, Jefferson, Ga. 
 
Farmers & Merchants .Nicholls_____ Apr. 21, 1920___ Consolidated. To be known un- 
 
Bank of Nicholls_____ 
 
der the corporate name Farm- 
 
ers Bank, Nicholls, Georgia. 
 
BANKS VOLUNTARILY LIQUIDATED (THREE) 
 
Name of Bank 
 
Location 
 
Date Liquidation Began Unclaimed Deposits 
 
Bank of Plain:field___________P1ain:fl.eld_______,March 18, 1920 ____ NONE 
Peoples Bank ---------------CeciL__________ May 1, 1920 ____ 8.31 Pe.oples Savings Bank. _____ -_Waynesboro ___ - .March 31, 1920 ____NONE 
 
BANKS SURRENDERED TO SUPERINTENDENT OF BANKS BY W. J. SPEER, STATE BANK EXAMINER (ONE) JANUARY 1, 1920 
 
Name of Bank 
 
Dividends Loeation Date Closed to Depositors 
 
Unpaid. Deposits 
 
Farmers & Merchants ___ :i\'Iilan ______Dec. 15, 1919 100% 140.05 
 
 BANKS AND TRUST COMPANIES UNDER THE SUPERVISION 
 
OF THE DEPARTl\fENT OF BANKING 
 
(617) 
 
NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
Bank of Abbeville _______________ Abbeville ------------$ 15,000 00 
 
Farmers Bank __________________ Abbeville ------------ 23,800 00 
 
Bank of Acworth _______________ Acworth ------------- 25,000 00 
S. Lemon Banking Company_____Acworth ------------- 30,000 00 
 
Bank of Adairsville _____________ Adairsville ----------- 25,000 00 Bank of AdeL ___________________ Adel ---------------- 25,000 00 
 
First Bank of Cook County______ Adel ---------------Bank of Adrian _________________Adrian ______________ 
 
2550,,000000 0000 
 
Bank of Alapaha--------------~- Alapaha ------------- 30,000 00 Albany Trust Go. of Ga---------Albany ______________ 100,000 00 
 
Exchange Bank -----------------Albany ______________ 57,200 00 
 
Farkas Trust CompanY----------Albany -------------- 100,000 00 Ga. Bank & Trust Company------ Albany ______________ 100,000 00 
 
Union Banking CompanY--------Alamo ________,_______ 15,000 00 
 
Alma State Bank_______________Alma ---------------- 15,000 00 
 
Alpharetta Bank ---------------Alpharetta ----------- 15,000 00 Milton County Bank____________Alpharetta ___________ 16,000 00 
 
Citizens Bank ------------------Alston --------------- 15,000 00 
 
Bank of Ambrose---------------Ambrose ------------- 15,000 00 Bank of Commerce______________Americus ____________ 65,000 00 
 
Commercial City Bank----------Americus ____________ 50,000 00 
 
Planters Bank ------------------Americus ------------ 50,000 00 Bank of Apalachee ______________ Apalachee ------------ 25,000 00 
 
Bank of Arlington---------------Arlington ____________ 50,000 00 Bank of Arnoldsville _____________Arnoldsville __________ 15,000 00 
 
Ash burn Bank ------------------Ash burn _____________ 50,000 00 
 
Citizens Bank ------------------Ashburn ------------- 25,000 00 
 
Turner County Bank-------------Ashburn ------------- 25,000 00 American State Bank------------Athens --------------- 100,000 00 Athens Savings Bank------------Athens _______________ 50,000 00 
 
Commercial Bank ---------------Athens -------------- 100,000 00 Peoples Bank ------------------Athens ______________ 100,000 00 American Savings Bank---------Atlanta ______________ 200,000 00 
Atlanta Commercial Bank--------Atlanta ______________ 50,000 00 
 
Atlanta State Savings Bank-----Atlanta -------------- 29,179 00 Atlanta Trust Company----------Atlanta ______________1,000,000 00 Bank of West End _____________ Atlanta ______________ 25,000 00 
 
Central Bank & Trust Corp, ______Atlanta ______________ 1,000,000 00 
 
City Savings Bank--------------Atlanta ______________ 82,000 00 
 
Colonial Trust Company_________ Atlanta -------------- 146,400 00 
 
East Atlanta Bank--------------Atlanta -------------- 25,000 00 
 
CHARTERED 
 
Oc.t. Aug. Oct. Dec. Mch. Nov. June Nov. Mch. June, Dec. Oct. June 
Nov. Apr. Nov. Dec. Sept. Apr. Oct. July Oct. Aug. Jan. Oct. July July Feb. Dec. 
Sept. May Dec. May June Aug. Me h. Nov. May 
Oct. 
Nov. 
 
6, 1904 8, 1919 31, 1905 18, 1906 23, 1899 30, 1901 3, 1919 20, .1911 4, 1905 
1905 18, 1890 11, 1917 
8, 191 6 
20, 1919 1, 1920 
29, 1918 5, 1910 
19, 1911 
5, 1915 13, 1891 23, 1908 13, 1891 26, 1919 17, 1901 13, 1919 
3, 1900 27, 1905 20, 1912 
2, 1902 
1887 
29, 1891 21, 1912 27, 1886 12, 1916 30, 1913 19, 1910 12, 1915 28, 1905 19, 1920 22, 1912 
15, 1910 
 
BEGAN BUSINESS 
 
Oct. July Dec. Jan. Mch. 
June Dec. Apr. June 
Oct. 
Nov. Feb. Nov. Jan. Nov. Apr. Jan. Aug. 
Sept. 
Sept. July Oct. Mch. Jan. 
 
25. 1904 15, 1919 
1~. 1905 1, 1907 
24, 1899 
1901 10, 1919 
7, 1911 1, 1905 
1905 1893 11, 1917 1916 
1, 1919 26, 1919 30, 1918 26, 1911 
9, 1911 
12, 1920 1892 
3, 1908 1892 
24, 1919 1901 
27, 1919 14, 1900 25, 1905 12, 1912 
2, 1903 1892 
 
May 
May Aug. Sept. Mch. Feb, June Oct. Nov. 
 
22, 1912 
1887 15, 1916 
1, 1913 1910 
26, 1915 6, 1906 5, 1920 
24, 1912 
15, 1910 
 
 NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
CHARTERED 
 
BEGAN BUSINESS 
 
Farmers and Traders Bank______AtJanta -------------- 25,000 00 
 
Sept. 
 
25, 1900 
 
Ga. Svgs. Bank & Trust Co. _____ Atlanta -------------- 500,000 00 
 
Oct. 
 
26, 1889 
 
Sept. 
 
1, 1899 
 
Lakewood Bank ----------------Atlanta -------------- 25,000 00 
 
Nov. 
 
17, 1920 
 
Dec. 
 
8, 1920 
 
Trust Company of Georgia_______Atlanta ------------- 1,000,000 00 
 
Sept. 
 
21, 1891 
 
1891 
 
Augusta Savings Bank----------Augusta -------------- 100,000 00 
 
Oct. 
 
14, 1879 
 
1882 
 
Georgia Railroad Bank----------Augusta ____________ 1,000,000 00 
 
Nov. 
 
15, 1892 
 
Dec. 
 
31, 1892 
 
Merchants Bank ----------------Augusta ------------- 200,000 00 
 
Jan. 
 
8, 1904 
 
Feb. 
 
1, 1904 
 
Planters Loan & Svgs. Bank____Augusta ------------- 50,000 00 Union Savings Bank____________ Au~usta _____________ 100,000 00 Austell Bank -------------------Austell ______________ 15,000 00 
 
Oct. 
Sept. Jan. 
 
27, 1870 
22, 1891 3, 1910 
 
Jan. Jan. 
 
1870 
3, 1892 20, 1910 
 
Bank of Baconton---------------Baconton ------------ 15,000 00 
 
Apr. 
 
23, 1907 
 
May 
 
1907 
 
Bainbridge State Bank----------Bainbridge ___________ 100,000 00 
 
Feb. 
 
1, 1901 
 
Feb. 
 
1, 1901 
 
Decatur County Bank___________ Balinbridge ---------- 25,000 00 Citizens Bank & Trust Co. _______ Bainbridge ___________ 100,000 00 
 
Dec. Nov. 
 
26, 1905 11, 1911 
 
Dec. 
 
19, 1911 
 
Baldwin State Bank-------------Baldwin _____________ 15,000 00 
 
1\Tov. 
 
7, 1907 
 
1907 
 
Ball Ground Bank---------------Ball Ground _________ 15,000 00 
 
May 
 
18, 1918 
 
July 
 
10, 1918 
 
Barnesville Bank ---------------Barnesville __________ 36,800 00 Citizens Bank ------------------Barnesville __________ 50,000 00 
 
Sept. May 
 
14, 1908 7, 1902 
 
Sept. May 
 
17, 1908 7, 1902 
 
.,' 
 
Bartow Bank -------------------Bartow -------------- 25,000 00 
 
Dec. 
 
11, 1902 
 
Jan. 
 
1, 1903 
 
Bank of Barwick----------------Barwick _____________ 15,000 00 
 
Jan. 
 
23, 1906 
 
Feb. 
 
6, 1906 
 
Baxley Banking Company_______ Baxley -------------- 60,000 00 
 
Mch. 
 
24, 1902 
 
Mch. 
 
24, 1902 
 
Bank of Benevolence------------Benevolence _________ ;[5,000 00 Farmers and Merchants Bank____ Berlin _______________ 15,000 00 
Bishop Banking Company-------- Bishop ______________ 25,000 oo 
 
Feb. Sept. Oct. 
 
1, 1911 
27, 1910 2, 1905 
 
Sept. Sept. 
 
1911 6, 1910 
1905 
 
1 
 
Blackshear Bank ----------------Blackshear __________ 50,000 00 
 
Sept. 
 
11, 1891 
 
July 
 
7, 1892 
 
Citizens Bank ------------------Blackshear ---------- 17,000 00 Citizens Bank ------------------Blakely ~------------ 50,000 00 Fannin County Bank ____________ Blue Ridge___________ 15,000 00 
 
Nov. Mch. May 
 
6, 1905 23, 1918 29, 1916 
 
Jan. Mch. June 
 
2"8, 11991086 6, 1916 
 
Farmers Bank -----------------Blythe ______________ Farmers Bank -----------------Bogart ______________ Bank of Boston ________________ Boston -------------Merchants & Farmers Bank_____ Boston -------------Bank of Bostwick_______________ Bostwick -----------Bank of Bowdon________________Bowdon ______________ 
Merchants & Planters Bank______Bowdon -------------Bank of Bowersville_____________Bowersville __________ Bank of Bowman________________ Bowman ------------ 
 
15,000 00 25,000 00 25,000 00 50,000 00 15,000 00 50,000 00 
50,000 00 25,000 00 35,000 00 
 
Aug. Aug. 
Dec. Sept. 
Oct. Oct. Aug. Dec. Feb. 
 
28, 1909 30, 1910 
7, 1905 14, 1891 
26, 1911 16, 1905 30, 1911 14, 1906 
2, 1905 
 
Sept. Oct. Mch. Mch. 
Nov. Oct. Sept. Jan. Mch. 
 
1, 1909 10, 1910 
5, 1906 1902 
1, 1911 5, 1920 15, 191] 1, 1907 6, 1905 
 
Farmers Bank ----------------Bowman -----------Bank of Bradley________________Bradley ----- -------Bank of Bremen ________________ Bremen _____7 ________ Farmers Bank ________________Bremen -------------Farmers and Merchants Bank____Brewton ------------- 
 
18,400 00 15,000 00 40,0'00 00 17,600 00 15,000 00 
 
Mch. Sept. 
Me h. Aug. May 
 
13, 1911 23, 1920 
23, 1903 8, 1911 
26, 1910 
 
Apr. Oct. 
Mch. Sept. May 
 
15, 1911 20, 1920 
25, 1903 12, 191] 26, 1910 
 
Citizens Bank ------------------Brinson ------------- 15,000 00 Farmers Bank___________________Bronwood ------------ 25,000 00 Bank of Brooklet________________ Brooklet ------------ 25,000 00 
 
Dec. Apr. May 
 
17, 1910 30, 1913 12, 1907 
 
Dec. May Dec. 
 
22, 1910 5, 1913 1, 1906 
 
 J 
Banks and Trust Companies Under the Supervision of the Department of Banking-Continued. 
 
NAME OF BANK. 
 
LOCATIO)J". 
 
OAPITAL 
 
Brooks Bank -----------------Brooks -------------- 15,000 00 Brunswick Bank & Trust Co,____Brunswick ----'------- 150,000 00 Glynn County Bank ____________ Brunswick ___________ 100,000 00 
Farmers & Citizens Bank_______Buchanan ------------ 15,000 00 Haralson County Bank__________ Buchanan ----------- 15,000 00 Bank of Buckhead_______________Buckhead ------------ 25,000 00 Buena Vista Loan & Svgs. Bank-Buena Vista ---------- 30,000 00 Bank of Buford__________________Buford -------------- 25,000 00 
Shadburn Banking Company______ Buford -------------- 40,000 00 Bank of Bullochville ____________ Bullochvine ~-------- 25,000 00 Citizens Bank _________________Bulochville ---------- 15,000 00 Bu tier Banking Company ________ Butler -------------- 15,000 00 Taylor County Bank____________ BU:'tler -------------- 15,000 00 Farmers Bank ________________ Byron --------------- 25,000 00 Bank of Byromville_____________ Byromville ---------- 15,000 00 
Cadwell Bank ------------------Cadwell ------------- 25,000 oo Cairo Banking Company________Cairo ---------------- 35,000 00 Citizens Bank __________________Cairo ---------------- 50,000 00 Farmers and Merchants Bank____ Cairo --------------~- 25,000 00 Peoples Bank -------------------Calhoun ------------- 55,000 00 Dank of Camilla________________Camilla -------------- 50,000 00 Planters & Citizens Bank_________Camilla -------------- 50,000 00 Farmers Bank __________________Canon --------------- 25,000 00 Canon Bank ___________________Canon --------------- 25,000 00 Bank of Canton________________ Canton -------------- 100,000 00 Bank of Cherokee_______________ Canton -------------- 50,000 00 
Carlton Bank -------------------Carlton -------------- 25,000 00 Planters Bank _________________Carlton -------------- 25,000 00 Bank of Franklin County________ Carnesville ---------- 25,000 00 Carrollton Bank _______________ Carrollton ----------- 100,000 00 Citizens Bank ----------------- Carrollton ----------- 50,000 00 Peoples Bank -------------------Carrollton ----------- 60,000 00 Bank of Cartersville____________ Cartersville ---------- 100,000 00 Bank of Cassville_______________ Cassville ------------ 15,000 00 Bank of Cave Spring___________ Cave Spring__________ 25,000 00 Bank of Cedartown_____________Cedartown ----------- 50,000 00 Commercial Bank of Cedartown __ Cedartown ----------- 100,000 00 Bank of Chamblee_______________ Chamblee ------------ 25,000 00 Farmers & Merchants Bank______ Charing ------------- 15,000 00 Bank of Chatsworth ____________ Cllatsworth ---------- 23,666 68 Cohutta Banking Company_______Chatsworth ---------- 15,000 00 
 
CHARTERED 
 
Aug. Sept. Nov. Aug, 
Mch. July Sept. 
Jan. Feb. Aug. Oct. May 
Mch. Dec. July Jan. Nov. Dec. Nov. Nov. Nov. Sept. Nov. Nov. Nov. July Mch. Mch. Mch. Dec. Jan. Nov. Sept. May 
Oct. Oct. Oct. Oct. Sept. Aug. July 
 
8, 1907 11, 1889 5, 1906 
8, 1911 3. 1909 9, 1906 22, 1887 
20, 1893 1, 1900 28, 1905 12, 1920 20, 1912 
3, 1919 2, 1909 19, 1920 5, 191G 
23, 1903 3, 1903 7, 1910 3, 1905 4, 1889 
24, 1904 3, 1919 
25, 1905 17, 1892 
5, 1910 
1903 11, 1912 
12, 1906 
26, 1890 27, 1906 11, 1909 11, 1895 16, 1912 
25, 1905 
18, 1901 16, 1889 
31, 1917 
28, 1912 17, 1907 
17, 1905 
 
BEGAN BUSINESS 
 
Sept. 
Sept. Mcll. Sept. Sept. Feb. 
Oct. Oct. 
 
1907 1889 1907 
6, 1911 3, 1909 3, 1906 
1889 
1, 1893 1900 
21, 1905 20, 1920 
 
Apr. Jan. July Feb. Nov. Jan. Nov. 
Jan. 
 
16, 1919 3, 1910 
26, 1920 
15, 1920 
23, 1903 2, 1904 
26, 1910 1905 
2, 1890 
 
Jan. 
Dec. July Mch. Dec. Mch. Feb. Feb. Dec. Sept. June Nov. Jan. Dec Oct. Nov. 
Jan. 
 
28, 1920 1905 
22, 1892 
20, 1920 15, 1903 11. 1911 22, 1906 
9, 1891 8, 1906 1, 1909 12, 1895 3, 1912 
7, 1905 5, 1902 11, 1889 
31, 1917 6, 1912 1907 
24, 1906 
 
 NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
CHARTERED BE'GIAN BUSINEISS 
 
Bank of Chauncy _______________ Chauncy ------------- 25,000 00 
 
Oct. 
 
11, 1905 
 
Nov. 
 
1905 
 
Chester Banking Company_______ Chester -------------- 22,800 00 
 
Mch. 
 
26, 1909 
 
Apr. 
 
1, 1909 
 
Bank of Chickamauga___________ Chickamauga -------- 15,000 00 
 
Feb. 
 
10, 1910 
 
May 
 
2, 1910 
 
Bank of Chipley________________Chipley -------------- 25,000 00 
 
Dec. 
 
3, 1901 
 
Farmers & Merchants Bank_____ Chipley -------------- 25,000 00 
 
Mch. 
 
22, 1909 
 
Apr. 
 
19, 1909 
 
Habersham Bank _______________Clarkesville ---------- 25,000 00 
 
Mch. 
 
15, 1904 
 
1903 
 
Claxton Bank __________________Claxton -------------- 50,000 00 
 
Apr. 
 
24, 1903 
 
July 
 
1903 
 
Citizens Bank __________________Claxton -------------- 30,000 00 
 
July 
 
18, 1919 
 
Sept. 
 
8, 1919 
 
Bank of Clayton________________ Clayton ------------- 25,000 00 
 
June 
 
30, 1904 
 
July 
 
1, 1904 
 
Clermont Banking Company_____Clermont ___________ _ 15,000 00 
 
June 
 
13, 1912 
 
Feb. 
 
l, 1913 
 
Clermont State Bank_____________ Clermont ------------ 30,000 00 
 
Oct. 
 
27, 1920 
 
Nov. 
 
1, 1920 
 
W FahrimteerCs o&unM ty eBrcahnakn_t_s__B_a_n_k_____________ CClleevvlealnadnd__-_-_-__-_-_-_-_-_-_--_ 
 
15,000 00 15,000 00 
 
Oct. Sept. 
 
16, 1913 22, 1909 
 
Nov. 
 
8, 1913 1909 
 
Farmers Bank __________________ Climax -------------- 25,000 00 
 
Oct. 
 
8, 1912 
 
Oct. 
 
15, 1912 
 
Farmers & Merchants Bank______ ClY10 ---------------- 15,000 00 Bank of Cobbtown______________Cobbtown ____________ 15,000 00 
 
Jan. Nov. 
 
28, 1914 30, 1906 
 
Jan. Oct. 
 
1914 1, 1906 
 
Citizens Bank ------------------Cochran, ------------- 25,000 00 Cochran Banking Company_______ Cochran ------------- 75,000 00 
 
Dec. Mch. 
 
31, 1912 8, 1899 
 
Oct. Mch. 
 
21, 1912 8, 1899 
 
Bank of College Park___________College Park --------- 25,000 00 
 
Nov. 
 
10, 1910 
 
Mch. 
 
10, 1910 
 
Bank of Collins ---------------Collins -------------- 25,000 00 Madison County Bank___________Colbert -------------- 15,000 00 
 
Oct. Oct. 
 
14, 1905 15, 19!'9 
 
Sept. Aug. 
 
1, 1905 28, 1919 
 
Colquitt Exchange Bank_________Colquitt ------------- 25,000 00 
 
Feb. 
 
!H, 1917 
 
June 
 
1, 1917 
 
Columbus Savings B. & T. Co.___ Columbus ----------- 250,000 00 
 
Dec. 
 
24, 1888 
 
Apr. 
 
1889 
 
Columbus Loan & Banking Co. ___Columbus ------------ 50,000 00 
 
May 
 
29, 1914 
 
June 
 
1, 1914 
 
Home Savings Bank_____________Columbus ___________ _ 50,000 00 
 
Dec. 
 
31, 1888 
 
April 
 
1903 
 
M Muerscchoagneets 
 
B& anMkec_h_a_n_i_c_s__B_a_n_k_________CCoolluummbbuuss 
 
_- _- _- _-_-_-_-_-_-_-_- -_ 
 
200,000 50,000 
 
00 00 
 
Aug. Dec. 
 
25, 1872 6, 1913 
 
Jan. 
 
1872 2, 1914 
 
Pheonix Bank __________________ Columbus ----------- 39,200 00 
 
Nov. 
 
1905 
 
Nov. 
 
1905 
 
Comer Bank____________________Comer --------------- 25,000 00 
 
Jan. 
 
23, 1900 
 
Feb. 
 
2, 1900 
 
Peoples Bank ___________________ Comer --------------- 25,000 00 
 
Mch. 
 
25, 1907 
 
Mch. 
 
2, 1907 
 
Commerce Bank & Trust Co. ____ Commerce ----------- 100,000 00 
 
Sept. 
 
9, 1919 
 
Sept. 
 
9, 1919 
 
Northeastern Banking Company__ Commerce ----------- 100,000 00 
 
1892 
 
Jan. 
 
1, 1892 
 
Concorfl Banking Company______ Concord ------------- 25,000 00 
 
Oct. 
 
29, 1903 
 
Nov. 
 
18, 1903 
 
Bank of Conyers________________ Conyers ------------- 30,000 00 
 
Nov. 
 
1, 1904 
 
Dec. 
 
19, 1904 
 
Bank of Rockdale___________conyers ------------- 50,000 00 
 
Oct. 
 
15, 1891 
 
June. 
 
1901 
 
Farmers & Merchants Bank______Coolidge ------------- 25,000 00 
 
Dec. 
 
18, 1911 
 
Nov. 
 
20, 1911 
 
American Bank & Trust Co. _____ Cordele -------------- 150,000 00 
 
Jan. 
 
27, 1919 
 
Jan. 
 
28, 1919 
 
CCiotridzeelnes 
 
BBaannkk &---T-r-u-s-t--C--o-. _--_-_-_-_-_c_oCrodrfele-llee 
 
_-_-_-_-_-_-_-__-_______ __ 
 
25,000 100,000 
 
00 00 
 
Sept. Nov. 
 
11, 1899 20, 1919 
 
Feb. 
 
1899 2, 1920 
 
Exchange Bank ----------------Cordele ------------- 100,000 00 
 
Nov. 
 
29, 1905 
 
Jan. 
 
2, 1906 
 
Cornelia Bank_ ________________Cornelia ------------- 40,000 00 
 
July 
 
3, 1900 
 
Sept. 
 
1900 
 
Bank of Covington _____________ Covington ----------- 100,000 00 
 
Apr. 
 
10, 1901 
 
1901 
 
Bank of Newton County__________Covington ------------ 80,000 00 Farmers Banking Company------ Covington ----------- 30,000 00 Bank of Crawford______________crawford ------------ 25,000 00 
 
Jan. Apr. June 
 
17, 1905 23, 1920 15, 1905 
 
Jan. May. 
 
30, 1905 4, 1920 1905 
 
~............ 
 
 Banks and Trust Companies Under the Supervision of the Department of Banking-Continued. 
 
NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
Farmers Bank __________________Crawford ------------ 25,000 00 Bank of Crawfordville __________Crawfordville ________ 25,000 00 
 
Bank of Taliafero --------------Crawfordville -------- 40,000 00 Bank of Culloden________________Culloden ------------- 25,000 00 
 
Merchants & Planters Bank______culloden ------------Bank of Cumming______________ Oumming _________ _ Farmers & Merchants Bank______ Cumming ----------Bank of Cusseta________________ Cusseta ------------Bank of Cuthbert_ ______________ cuthbert ___________ _ Ga. Bank & Trust Oo. ____________ Cuthbert ------------ 
 
15,000 00 
25,000 00 25,000 00 15,000 00 50,000 00 
48,300 00 
 
DBaanckuloaf BDaanhkloinngegaC_o__m__p_a_n_y_-_-_-_-_-_-_- DDaahcluolnaeg-a--_-_-_-_-_-_-_-_-_-_--_ 
 
25,000 00 15,000 00 
 
Bank of Lumpkin County-------Dahlonega ----------- 15,000 00 
 
Commercial Savings Bank_______ Dallas -------------Bank of Dalton_________________ Dalton -------------- 
 
25,000 00 50,000 00 
 
BBaannkk ooff KDeasntlieerls-v--il-l-e-_-_-_-_-_-_-_--_-_-_-_D_ Dam anaieslcsvuislle--_-_-_-_-_-_-_-_-_-_Bank of Danville________________ Danville ____ --------- 
 
25,000 00 15,000 00 
15,000 00 
 
Darien Bank -------------------Darien -------------- 25,000 00 Merchants & Farmers Bank______Davisboro ------------ 25,000 00 Planters State Bank____________ Davisboro ----------- 15,000 00 
 
Bank of Dawson_________________ Dawson ------------- 100,000 00 First State Bank_______________ Dawson -------------- 50,000 00 Farmers & Citizens Bank_________ Dawsonville _________ 25,000 00 Bank of Dearing________________ Dearing ------------- 15,000 00 
 
Decatur Bank & Trust Co._______ Decatur ------------- 100,000 00 
 
DeKalb County Bank -----------Decatur ------------- 25,000 00 
 
Dexter Banking Company-------- Dexter -------------- 25,000 00 Bank of Doerun_________________Doerun -------------- 40,000 00 
 
Farmers Bank __________________Doerun -------------- 25,000 00 Bank of Donalsonvil!e____________Donalsonville ________ 100,000 00 
 
Planters Bank __________________ Dc:>nalsonville -------- 15,000 00 
 
Citizens Bank __________________ Douglas ------------- 50,000 00 
 
Union Banking Company_________ Douglas ------------- 85,000 00 
 
Douglasville Banking C'ompany __ Douglasville --------- 50,000 00 
 
Farmers & Me,rchants Bank______ Douglasvil!e --------- 25,000 00 
 
Bank of Dover__________________ Dc:>ver --------------- 15,000 00 
 
Citizens Bank ------------------Dublin -------------- 50,000 00 Dublin & Laurens Bank_________ Dublin -------------- 100,000 00 
 
Southern Exchange Bank_________ Dublin -------------- 50,000 00 
 
Bank of Dudley_________________ Dudley -------------- 15,000 00 
 
Bank of Duluth_________________ Duluth -------------- 25,000 00 
 
CHARTERED BIEGAN BUSINElSS. 
 
Sept. Feb. Jan. Oct. Dec 
Oct. Nov. May Sept. 
Jan. Aug. May Nov. Jan. Nov. Nov. 
Dec. Aug. Dec. Nov. Oct. 
June Aug. Nov. 
June Sept. Aug. Jan. June Nov. 
Jan. June Dec. Dec. Dec Apr. July 
Dec. Aug. Nov. Oct. Nov. 
 
9, 1911 
23, 1899 1, 1908 
11, 1897 4, 1904 
11, 1904 16, 1911 
2, 1907 29, 1887 
1, 1917 31, 1909 27, 1914 
7, 1911 28, 1907 26, 1911 
3, 1905 11, 1907 19, 1905 
8, 1888 4, 1905 7, 1911 
29, 1911 
27, 1887 9, 1911 
7, 1911 
3, 1906 11, 1911 
18, 1904 6, 1902 
13, 1909 
7, 1903 12, 1915 26, 1901 27, 1898 
1889 4, 1907 
5, 1912 4, 1916 
1910 11, 1914 
2, 1905 12, 1910 
 
Sept. Oct. Jan. Oct. Dec. Oct. Nov. June Nov. Jan. Sept. June. 
Feb. Oct. Nov. Jan. Oct. Jan. Nov. Oct. .July Sept. Jan. June Nov. Sept. 
May Nov. Feb. .July Jan. Feb. Apr. May Aug. Dec. Aug. Nov. Nov. Nov. 
 
22, 1911 
1, 1898 1, 1908 21, 1897 4, 1904 
1904 16, 1911 
1907 1, 1890 
2, 1917 27, 1909 
1, 1914 1911 
8, 1907 21, 1912 
3, 1905 
15, 190R 1, 1905 
23, 1889 
1905 12, 1911 
1, 1911 21, 1887 
1, 1912 
15, 1911 1906 
11, 1911 1904 
10, 1902 9, 1909 
2, 1903 22, 1915 
4, 1902 1899 
7, 1891 1' 1907 8, 1912 15, 1916 
1910 11, 1914 
1, 1905 1, 1904 
 
 NAME OF BANK. 
 
LOCATION. 
 
C,APITAL 
 
Bank of Eastman_______________ Eastman ------------ 60,000 00 
 
Citizens Banking Company_______ Eastman ------------ 100,000 00 
 
Merchants & Farmers Bank_____ Elastmtan ------------ 50,()00 00 
 
Bank of East PoinL _____________ East Point ---------- 35,000 00 
 
Bank of Eatonton _______________ Eatonton Citizens Bank___________________ Eatonton 
 
-----------___________ _ 
 
25,000 00 25,000 00 
 
Middle Georgia Bank____________ Eatonton ------------ 50,000 00 
 
Bank Bank 
 
of Edison__________________ Edison -------------of Elberton_______________ Elberton ____________ _ 
 
50,000 100,000 
 
00 00 
 
Elbert County Bank____________ Elberton ------------- 60,000 00 
 
El)Jerton Loan & Savings Bank __ E}J!Yerton ------------ 75,000 00 Bank of Ellaville________________ EllaviUe ------------ 25,000 00 
 
Council Bank ------------------~F:llaville ____________ _ 30,000 00 
 
Bank of Ellenton________________ Ellenton ------------- 15,000 00 
 
Bank of Ellenwood_______________ Ellenwood ----------- 15,000 00 
 
~~~~ 0~f E1j~i~ma================~~li;;a -============= 
 
15,000 00 15,000 00 
 
Bank of Elton___________________ Eton ---------------- 15,000 00 
 
Bank of Campbell County--------- Fairburn ------------ 100,000 00 Fairburn Banking Company______ Fairburn ____________ _ 34,120 00 
 
Fairmount Bank ---------------Fairmount _________ _ 15,000 00 
 
Farmers & Merchants Bank_____ Fayetteville ________ _ Bank of Finleyson _______________ F'inleyson ___________ _ 
 
25,000 00 15,000 00 
 
Bank of Flovilla_______________Flovilla -------------- 15,000 00 Bank of Flowery Branch ________ Flowery Branch _____ _ 25,000 00 
 
Citizens Bank -----------------Folkston ------------ 15,000 00 Bank of Forsyth _______________ Forsyth ------------- 50,000 00 
 
Citizens Bank -----------------Forsyth ------------- 80,000 00 
 
Farmers Bank -----------------Forsyth ------------- 50,000 00 Monroe County Bank_____________ Forsyth ------------- 25,000 00 Bank of Fort Gaines___________ Fort Gaines _________ _ 50,000 00 Union Savings Bank_____________ Fort Gaines _________ _ 27,150 00 
 
Citizens Bank __________________ Fort Valley --------- 100,000 00 
 
Exchange Bank ---------------Fort Valley --~------- 50.000 00 Bank of Heard County__________ Franklin ------------ 25,000 00 
 
Peoples Bank -----------------Franklin ------------- 25,000 00 
 
CFaitrimzeenrss 
 
Ba 
& 
 
nMk 
 
e 
 
r-c--h-a-n-t-s- 
 
--B-a-n--k-_-_-_-_G_ Gaianineessvviillllee 
 
-_ -_ -_ _- _- _- _-_-_- -_ 
 
50,000 00 75,000 00 
 
State Banking Company--------- Gainesville ----------- 75,000 00 Farmers & Merchants Bank_____Garfield ------------- 15.000 00 
 
Bank of Gibson_________________ Gibson -------------- 15,000 00 
 
Bank of Gillsville______________ Gillsville ------------ 15,000 00 
 
Bank of Girard ________________Girard --------------- 15,000 00 
 
Farmers & Merchants Bank______ Girard -------------- 20,000 00 
 
Glennville Bank _______________Glennville ----------- 60,000 00 
 
CHARTERED 
 
Dec. Feb. Feb. Feb. May Oct. Dec. Sept. Jan. Dec. Dec. Sept. Dec. Aug. Mch. May Mch. May 
Nov. Dec. Oct. Feb. Sept. Oct. Aug. Dec. 
Oct. Feb. Mch. Nov. Sept. July 
.Jan. Dec. Oct. Aug May Nov. Dec. Jan. Nov. Sept. 
Apr. Aug. Jan. 
 
28, 1918 8, 1910 
27, 190l 28, 1906 11, 1903 
8, 1917 
4, 1890 24, 1904 16, 1893 21, 1919 24, 1886 
10, 1910 5, 1917 
31, 1911 18, i912 21, 1914 20, 1920 23, 1910 
16, 1911 28, 1904 12, 1913 16, 1906 20, 1910 
2, 1906 4, 1904 12, 1911 
22, 1887 2, 1920 9, 1910 2, 1908 
2, 1889 30, 1910 
8, 1910 28, 1888 14, 1905 
18, 1906 19, 1920 19, 1913 
27, 1886 9, 1911 7, 1905 6, 1911 
27, 1906 10, 1920 12, 1905 
 
BEGAN BUSINESS 
 
Jan. Feb. Mch. Feb. May Oct. Feb. Oct. 
Feb. Dec. Sept. Jan. Sept. Mch. June Mch. Sept. Nov. 
Nov. Mar. Sept. Nov. Aug. Jan. Oct. Feb. Apr. Oct. 
Aug. Dec Dec. Oct. Sept. June Dec. 
Feb. Nov. Oct. July Oct. Jan. 
 
2, 1919 10, 1901 
4, 1895 19, 1906 11, 1903 
1, 1917 1891 1904 1893 
7, 1920 24, 1886 
16, 1910 2, 1918 
25 1911 
18: 1912 1, 1914 
22, 1920 1, 1910 
27, 1911 1902 
5, 1913 13, 1906 
1910 1, 1906 15, 1904 4, 1912 
22, 1887 24, 1920 
1910 19, 1908 
1891 15, 1910 
1. 19u9 28, 188~ 
18, 1905 5, 1906 
2, 1913 2, 1913 
1888 16, 1911 
27, 1905 10, 1911 
30, 1906 9, 1920 
15, 1905 
 
 Hanks and 'rrust Companies Under the Supervision of the Department of Banking-Continued. 
 
NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
Peoples Bank __________________ Glennville __________ _ 25,000 00 Farmers Bank __________________Glenwood ___________ _ 30,000 00 
Bank of Godfrey________________ Godfrey ------------- 15,000 00 Farmers & Merchants Bank_____Gordon _____________ _ 17,000 00 
Peoples Bank -------------------Gordan ____________ _ 20,000 00 Bank of Gough_________________ Gough -------------- 15,000 00 Bank of Grantville _______________ Grantville __________ _ 25,000 00 Bank of Gray __________________ Gray _______________ _ 25,000 00 Bank of GraymonL _____________Graymont ___________ _ 25,000 00 Bank of Grayson _______________Grayson ____________ _ 40,000 Oil 
Greenville Banking Company----Greenville ___________ _ 65,000 00 Peoples Bank -------------------Greenville __________ _ 30,000 00 Griffin Banking Company______Griffin _____________ _ 100,000 00 Merchants & Planters Bank____ Griffin _____________ _ 100,000 00 Savings Bank of Griffin ________ Griffin _____________ _ 100,000 00 Effingham County Bank________Guyton _____________ _ 25,000 00 ,Tones Oounty Bank____________ Hac1c1ock ____________ _ 20,000 00 
Evans County Bank-------------Hagan _____________ _ 25,000 00 Bank of Hahira________________ Hahira _____________ _ 35,000 00 
Citizens Bank -----------------Hahira _____________ _ 25,000 00 Bank of Hamilton-------------Hamilton ___________ _ 16,200 00 Bank of Hampton---------------Hampton ___________ _ ~ii,OOO 00 Bank of Hapeville______________Hapeville ___________ _ 15,000 00 Bank of Columbia County------Harlem _____________ _ 25,000 00 Bank of Harrison _______________ Ha ~Tison ___________ _ 25,000 00 Farmers & Mercl1ants Bank______ Hartwell ___________ _ 100,000 00 
Hartwell Bank ----------------Hartwell ___________ _ 60,000 00 Hawkinsville Bank & Trust Co.--Hawkinsville _______ _ 50,000 00 Planters Ea.nk ----~------------- Ha,vkinsville _______ _ 50,000 00 Bank of Hazelhurst ------------Hazelhurst _________ _ 15,000 00 Jeff Davis Banking CompanY----Hazelhurst _________ _ clO,OOO 00 Bank of Helen __________________ Helen --------------- 15,000 00 Citizens Bank __________________ Helena -------------- 1 5,000 00 Bank of Hiawasse,e____________Hiawassee __________ _ 15,000 00 Hank of Hillsboro _______________ Hillsboro ___________ _ 2fi,OOO 00 
Hinesville Bank _______________ Hinesville __________ _ 15,000 00 
Bank of Hiram_________________Hiram --------------- 15,000 00 H.ogansville Banking Company____Hogansville _________ _ 25,000 00 Planters Bank ________________ I-Iogansville _________ _ 15,000 00 Banks County Bank____________ Homer -------------- 15,000 00 Bank of Homerville ____________ Homerville _________ _ 15,000 00 
 
CHARTERED 
 
Aug. Nov. Aug. 
June Feb. Jan. July Aug. Apr. July Oct. Aug. 
Oct. Feb. Oct. Apr. July Mch. 
Jan. Dec. Jan. Dec. Jan. J_"'l'"ov. 
Mch. Jan. Aug. Sept. Feb. 
Oct. Sept. July Oct. 
June Aug. Sept. 
Mch. Apr. May 
Nov. May 
 
26, 1907 5, 1906 
18, 1917 
10, 1919 1, 1906 
22, 1910 
1, 1901 23, 1909 27, 1901 11, 1906 2 4, 1889 17, 1905 
26, 1870 28, 1876 11, 1889 
8, 1904 14, 1905 12, 1919 
22, 1906 16, 1912 18, 1905 17, 1902 11, 1911 
29, 1909 12 1906 13: 1900 23, 1889 14, 1872 27, 1896 
19, 1906 4, 1917 4, 1913 2, 190G 
14, 1909 23, 1911 
4, 1911 
5, 1907 ~ 6, 1904 13, 1915 
25, 1910 6, 1903 
 
BEGAN BUSINEJSS 
 
Sept: Nov. Sept. July Feb. Feb. July Aug. May Aug. 
Sept. Oct. July 
 
1, 1907 10, 1906 
1, 1917 
19, 1919 1905 
3, 1910 
1901 28, 1909 
5, 1901 30, 1906 
1891 27, 1905 
26, 1870 1, 1889 1891 
 
July Mch. Feb. Feb. Jan. Oct. Jan. Dec. Mch. Feb 
Aug. Mch. Oct. Jan. July Oct. July Aug. Nov. 
Apr. May Sept. May 
 
25, 1905 22, 1919 
15, 1906 1, 1913 
18, 1905 1, 1902 
17, 1911 
13, 1909 27, 1906 
1, 1900 1887 
26, 1872 1896 
19, 1906 21, 1918 
4, 1913 2, 1905 
21, 1909 31' 1911 15, 1911 
1907 21, 1904 15, 1920 
1, 1910 6, 1903 
 
 NAME OF BANK 
 
LOCATION. 
 
C,APITAL 
 
Clinch County Bank_____________ Homerville ---------Bank of Hoschton______________Hoschton -----------Peoples Bank _________________ Ideal ---------------Bank of Jla____________________Ila ------------------ 
 
18,000 00 30,000 00 15,000 00 15,000 00 
 
Irwinton Bank ----------------Irwinton -----------Bank of Irwinville______________ Irwinville ------------ 
 
15,000 00 25,000 00 
 
Farmers & Merchants Bank____ Jackson ------------- 125,000 00 
 
Jackson Banking Company______ Jackson ------------- 100,000 00 
 
Bank of .Takin__________________Jakin ---------------- 24,600 00 
 
Pickens County Bank___________ J.asper -------------- 15,000 00 
 
Citizens Bank & Trust Co. _______Jefferson ------------ 87,750 00 
 
Farmers & Merchants Bank______Jeffersonvillc ________ 19,920 00 
 
Twiggs County Bank____________Jeffersonville ________ 25,000 00 
 
Farmer. Bank _________________ Jenkinsburg _________ _ 15,000 00 
 
Mercfl&nts & Farmers Bank______Jesup ---------------- 25,000 00 Bank of Clayton County_________Jonesboro ___________ _ 25,000 00 
 
Bank of Jonesboro ______________ J.onesboro __________ _ 25,000 00 
 
Farmers & Merchants Bank______Junction City _______ _ 15,000 00 
 
Kennesaw State Bank-----------Kennesaw __________ _ 20,000 00 State Bank of Kingsland---------Kingsland __________ _ 15,000 00 
 
Bank of Kingston---------------Kingston ____________ _ 15,000 00 
 
CBiatnizkenosf LBaaFnkaye-t-t-e-_-_-_-_-_-_-_-_-_-_-_-_-_-_KLiatFeaye-t-t-e------------------------ 
 
15,000 00 60,000 00 
 
Walker County Bank-----------LaFayette __________ _ 25,000 00 Bank of LaGrange_______________ LaGrange ------------ 50,000 00 
 
LaGrange Banking & Trust Co___ LaGrange ___________ _ 250,000 00 
 
LaGrange Savings Bank_________ LaGrange ___________ _ 25,000 00 
 
Lake Park Bank_______________ Lake Park ----------- 15,000 00 
 
Bank of Lavonia_______________ Lavonia ------------- 40,000 00 
 
Brand Banking Company_______ Lawrenceville _______ _ 50,000 0\J 
 
BBaannkk ooff LLeeaersybu--r-g-_-_-_-_-_-_-_-_-_-_-_-_-_-_- LLeeeasrybur-g---_-_-_-_-_-_-_-_-__-_--_ 
 
15,000 00 15,000 00 
 
Bank of Lenox___________________ Lenox --------------- 30,000 00 Bank of Leslie__________________ Leslie ______________ _ 25,000 00 
 
Bank of Lexington_______________ Lexington __________ _ 25,000 00 
 
Oglethorpe County Bank__________ Lexington __________ _ 25,000 00 
 
Lilly Banking Company-------- Lilly ---------------Bank of Lincolnton_____________ Lincolnton __________ _ 
 
15,000 00 25,000 00 
 
Farmers State Bank____________Lincolnton __________ _ Lithonia Banking Company______ Lithonia ____________ _ 
 
25,000 00 
2fi,OOO ou 
 
Peoples Bank _________________ Lithonia ____________ _ 2ii,OOO 00 
 
nank of Locust Grove ___________ Locust Grove _______ _ 25,000 00 
 
Citizens Bank ------------------Locust Grove -------- 29,400 00 Farmers & Merchants Bank_____ LoganviUe _________ _ 25,000 00 Loganville Banking Company----Loganville ----------- 25,000 00 
 
CHARTERED 
 
Sept. May Mch. Oct. Feb. Oct. July 
Dec. Sept. July Feb. July 
Dec. Jan. Sept. Oct. Oct. Mch. 
Apr. Nov. May Sept: Nov. 
Oct. Dec. Dec. Dec. 
Jan. July June June May June 
Feb. Feb. May July 
Apr. Sept. Nov. Aug. Aug. 
Sept. Apr. Feb. 
 
2, 1919 3, 1904 26, 1920 11, 1910 17, 1911 25, 1906 24, 1919 15, 1888 27, 1912 10, 1909 10, 1920 24, 1911 
14, 1903 3, 1910 9, 1907 
10, 1908 6, 1903 
23, 1912 
20, 1910 26, 1912 19, 1904 11, 1906 13, 1889 
22, 1913 29, 1890 11, 1871 13, 1906 
22, 1906 20, 1898 
2, 1905 22, 1909 30, 1907 20, 1907 
4, 1905 24, 1896 
5, 1905 30, 1919 
22, 1905 26, 1911 
1903 
26, 1910 
25, 1902 
5, 1910 11, 1906 
1, 1902 
 
BEGAN BUSINESS 
 
Sept. May Mch. Oct. Feb. Oct. Aug. Dec. Sept. June Mch. Aug. 
Dec. Jan. Oct. Oct. Nov. Apr. Apr. Dec. 
Aug. July 
Nov. Dec. 
Dec. Mch. July July June July June Feb. Feb. Aug. Aug. Apr. Dec. Nov. Aug. Aug. Sept. 
Mar. 
 
10, 1919 
 
4, 1904 
 
30, 1920 
 
15, 1910 
 
1911 
 
25, 1906 
 
29, 1920 
 
1888 
 
~~: 
 
1912 1909 
 
4, 1920 
 
1, 1911 
 
14, 1903 
 
1910 
 
1, 1907 
 
29, 1908 
 
7, 1903 
 
3, 1912 
 
1910 
 
10, 1912 
 
1904 
 
3, 1906 
 
1899 
 
1, 1913 
 
29, 1890 
 
1871 
 
1, 1906 
 
6, 1906 
 
1898 
 
17, 1905 
 
1909 
 
9, 1907 
 
25, 1907 
 
4, 1905 
 
24, 1896 
 
1905 
 
1, 1919 
 
3, 1905 
 
2, 1911 
 
1903 
 
26, 1910 
 
25, 1902 
 
1910 
 
1906 
 
24, 1902 
 
 Banks and Trust Cumpallies Under the Supervision of the Department of Banking-Continued. 
 
NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
Bank of Louisville______________ Louisville ----------Lovejoy Banking Company______ Lovejoy ------------Bank of Lovett_ ________________ Lovett -------------- 
 
25,000 00 
15,000 00 15,000 00 
 
Citizens Bank -----------------Ludowici -----------Liberty Banking Company_______ Ludowici -----------Bank of Lula__________________ Lula ---------------Farmers & Merchants Bank______ Lumber City ________ _ 
Bank of Lumpkin_______________ Lumpkin -----------Farmers State Bank____________ Lumpkin -----------Luthersville Banking Company___ Luthersville ________ _ 
 
25,000 00 25,000 00 15,000 00 15,000 00 
25,000 00 15,000 00 25,000 00 
 
Bank of Lyerly---------------- Lyerly -------------Toombs County Bank____________ Lyons --------------Merchants & Miners State Bk.___McCaysville _________ _ Bank of Henry County---------McDonough _________ _ Farmers & Merchants Bank_____ McDonough _________ _ Citizens Bank ------------------McRae _____________ _ M MaecrconhanStas viBngasnk B-a-n-k---_-_-_-_-_-_-_-_-_-_MMcaRcoane _-__-_-_-_-_-_-_-_-_-_-_-_--_ 
 
15,000 
30,000 15,000 
50,000 
100,000 
55o0,,o0o0o0 
50,000 
 
00 
00 00 
00 
00 
o0o0 ou 
 
Merchants & Mechanics Svgs Bk,_ Macon -------------Bank of Madison________________ Madison ------------Morgan County Bank___________Madison ------------Bank of Manchester_____________ Manchester _________ _ St~te Bank ___________________ Manchester ---------- 
Bank of Mansfield______________ Mansfield ----------- 
 
25,000 100,000 
50,000 50,000 16,000 25,000 
 
00 00 00 00 00 00 
 
PMeaorpileetsta BTarn. k& 
 
----Bkg, 
 
-C-o-,-_-_-_-_-_-_--_-_-_M _ Mana.srfiei 
 
tetlad 
 
_ _-_-_-_-_-_-_-_-_-_- -_ 
 
25,000 00 75,000 00 
 
Merchants & Farmers Bank_____ Ma,rietta ------------ 50,()00 00 
 
Citizens Bank -----------------Marshallville -------Georgia Banking Company______ Marshallville _______ _ 
Bank of Martin________________ Martin -------------Bank of Maxeys________________ Maxeys -------------- 
 
18,000 00 
30,000 00 15,300 00 15,000 00 
 
CMiatiyzsevnislleBaBnkan-k---_-_-_-_-__-_-_-_-_-_-_-_-_-_-_- MMa!ayxsevyislle ------------------------Bank of Meansville_____.________ Meansville ----------Bank of Meigs_________________ Meigs --------------Bank of Menlo_________________ Menlo --------------Commercial Bank ______________Metcalf -------------- 
 
15,000 00 15,000 00 15,020 00 91,840 00 15,000 00 15,000 00 
 
CBiatnizkensof BM anektte_r_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-MMeetttteerr ----------------------------Bank of Midville________________ Midville ------------Farmers & Merchants Bank_____ Midville ------------- 
 
25,000 00 30,000 00 25,000 00 15,000 00 
 
CHARTERED 
 
Oct. Feb. Nov. July Sept. Dec. Aug, 
Nov. Oct. 
Oct. Sept. Dec. Aug. 
June Mch. Mch. Mch. Mch. 
Jan. Dec. May Jan. June Sept. 
Mch. Sept. June Nov. Sept. Oct. Feb. June 
Dec. Mch. May July July 
Mch. Dec. May Mch. 
 
2, 1891 20, 1909 29, 1911 
25, 1909 
25, 1903 20, 1904 7, 1914 18, 1908 21, 1911 
11, 1905 26, 1904 22, 1905 28, 1916 
23, 1896 8, 1911 
21, 1906 13, 1900 
2, 1874 
17, 1910 26, 1888 
4, 1899 
28, 1910 15, 1914 
25, 1905 
17, 1910 8, 1891 
16, 1911 11, 1906 19, 1910 
2, 1907 22, 1907 
4, 1910 
10, 1919 1, 1911 8, 1903 
29, 1904 3, 1916 
4, 1904 20, 1910 27, 1904 17, 1913 
 
BEGAN BUSINESS 
 
July July Nov. Oct. Oct. Dec. Aug. 
Nov. Dec. 
Aug, Sept. Jan. Nov. July Mar. June Mch. Jan. 
Jan. Jan. May Feb. July Oct. 
 
5 1893 3, 1909 29, 1911 
1909 1903 14, 1904 
10, 1914 18, 1908 
1911 3, 1906 
1904 5, 1906 1, 1916 
1, 1896 8, 1911 3, 1906 13, 1900 17, 1875 
3, 1910 3, 1890 
1899 1, 1910 15, 1914 10, 1905 
 
May July Jan. Sept. Oct. Apr. Nov. Apr, Apr. June Aug. July Me h. Dec. 
Feb. 
 
2, 1892 15, 1911 
1, 1907 26, 1910 11, 1907 10, 1907 
3, 1910 
1, 1920 1, 1911 
1903 1, 1904 22, 1916 
23, 1904 20, 1910 
1904 
1913 
 
 NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
CHARTERED 
 
BEGAN BUSINESS 
 
Bank of Milan __________________ Milan --------------- 30,000 00 
 
Dec. 
 
5, 1906 
 
Oct. 
 
1906 
 
Exchange Bank _________________ Milledgeville ________ _ 75,000 00 
 
May 
 
20, 1903 
 
June 
 
1, 1903 
 
Merchants & Farmers Bank_____ Milledgeville ________ _ 80,000 00 
 
Jan. 
 
1898 
 
Mch. 
 
1898 
 
Milledgeville Banking Co. ________ Milledgeville --------- 50.000 00 
 
Oct. 
 
1874 
 
Oct. 
 
1884 
 
Bank of Millen_________________Millen --------------- 50,000 00 
 
Jan. 
 
4, 1893 
 
Mch. 
 
1, 1893 
 
FBaarnmk erosf BManilklto-w-n--_-_-_-_-_-_-_-_-_-_-_-_-_-_MMiillnlteorwn---_-_-_-_-_-_-_-_-_-_-_-_ 
 
25,000 00 25,000 00 
 
Farmers & Merchants Bank_____ Milltown ------------ 15,000 00 
 
Bank of Molena_________________Molena -------------- 15,000 00 
 
June Mch. Apr. Oct. 
 
23, 1911 14, 1905 18, 1907 
7, 1901 
 
Aug. Mch. July 
 
15, 1911 21, 1905 
1, 1907 
1901 
 
Bank of Monroe ________________Monroe -------------- 300,000 00 
 
Dec. 
 
30, 1890 
 
Apr. 
 
2, 1891 
 
Farmers Bank _________________Monroe -------------- 100,000 00 Union Banking Company________ Monroe _____________ _ 60,000 00 Bank of Montezuma_____________ Mont.,zuma _________ _ 25,000 00 
 
Dec. Aug, Apr. 
 
2, 1905 17, 1912 
10, 1918 
 
Jan. Sept. May 
 
1, 1906 1912 
1, 1918 
 
Jasper County Bank____________Monticello ----------- 2$,000 00 
 
Feb. 
 
5, 1898 
 
Feb. 
 
5, 1898 
 
Montrose Banking Company_____ Montrose ------------ 15,000 00 Moreland Banking Company______Moreland ___________ _ 25,000 00 
 
Sept. Nov. 
 
4, 1911 25, 1995 
 
Oct. Dec. 
 
24, 1911 1, 1905 
 
Bank of Morgan ________________ Morgan  _____________ _ 20,000 00 
 
Oct. 
 
14, 1911 
 
Nov. 
 
15, 1911 
 
Citizens Bank _________________Moultrie ------------- 100,000 00 
 
Mch. 
 
13, 1900 
 
Mch. 
 
13, 1900 
 
Moultrie Banking Company_____ Moultrie _____________ _ 200,000 00 
 
May 
 
1896 
 
1896 
 
Bank of Mount Airy --~---------Mount Airy _________ _ 15,000 00 Mount Vernon Bank____________ Mount Vernon -------- 15,000 00 First Bank of Nashville_________;\fashville ___________ _ 25,000 00 
 
July 
Dec. Feb. 
 
20, 1911 21' 1900 10, 1918 
 
Aug. Jan. 
Mch. 
 
8, 1911 24, 1!!01 
1, 1917 
 
FBaarnmk erosf NBaenwkbo-rn--_-_-_-_-_-_-_-_-_-_-_-_-_-_-_NNaeywlboorrn---_-_-_-_-_-_-__-_-_-_--_ 
 
15,000 00 25,000 00 
 
Dec. Nov. 
 
2, 1907 10, 1903 
 
Jan. 
 
15, 1908 
 
Bank of Newington _____________ Newington _________ _ 15',000 00 
 
July 
 
7, 1919 
 
Aug. 
 
15 1919 
 
Newnan Bank & Trust Co. ______ l\"'ewnan _____________ _ 400,000 00 
 
May 
 
31, 1920 
 
Apr. 
 
20: 1920 
 
Baker County Bank_____________Newton -------------- 25,000 00 Farmers Bank _________________ Nicholls ------------- 25,000 00 
 
Oct. Apr. 
 
4, 1906 21, 1920 
 
Oct. Mch. 
 
15, 1906 1, 1920 
 
Bank of Norcross _______________ Norcross ___________ _ 30,000 00 
 
Dec. 
 
12, 1903 
 
Feb. 
 
1, 1904 
 
Bank of Norristown ____________ Norristown _________ _ Bank of Norman Park___________ Norman Park ------Exchange Bank _________________ Oakfield ____________ _ Bank of Ochlochnee_____________ Ochlochnee _________ _ Bank of Oglethorpe_____________ Oglethorpe _________ _ 
 
15,000 00 25,000 00 15,000 00 
1 5,000 00 15,000 00 
 
Mch. 
Me h. Nov. Oct. Feb. 
 
31, 1913 23, 1906 22, 1911 
19, 1906 
5, 1901 
 
Apr. 
Nov. Nov. Feb. 
 
23, 1906 22, 1911 
1906 
8, 1901 
 
;-~ 
'.~, 
.~ 
 
Macon County Bank_____________ Oglethorpe ---------- 15,000 00 Peoples Bank __________________Oliver ______________ _ 22,500 00 
 
Oct. July 
 
16, 1906 13, 1906 
 
Oct. Sept. 
 
1906 1906 
 
Bank of Omega________________Omega ______________ _ 15,000 00 Bank of Palmetto______________ Palmetto ___________ _ 25,000 00 
 
Oct. Sept. 
 
9, 1912 4, 1904 
 
Oct. 
 
1912 1, 1904 
 
-. ~ 
 
Farmers Bank _________________Palmetto ------------- 35,000 00 
 
June 
 
29, 1918 
 
July 
 
10, 1918 
 
Bank of Parrott ________________ Parrott _____________ _ 15,000 00 
 
Jan. 
 
25, 1906 
 
Mch. 
 
3, 1906 
 
Planters Bank -----------------Parrott _____________ _ 25,000 00 
 
PPlaatntetersros n BaBnaknk__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_PPaatwte>rs_o_n___-_-_-_-_-_-_-_-_-_-_--_ 
 
15,000 00 15,000 00 
 
Aug. 
June Mch. 
 
2, 1912 19, 1907 
l z, 1912 
 
Sept. Mch. 
 
25, 1912 1907 
25, 1912 
 
Pearson Banking Company______ Pea.rson ------------- 30,000 00 Farmers Bank -----------------Pelham -------------- 100,000 00 
 
Sept. Aug, 
 
19, 1906 25, 1902 
 
Oct. Sept. 
 
1, 1906 1, 1902 
 
 Banks ancl 'l'rust Companies Under the Supervision o the Department o Banking-Continuerl. 
 
NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
Pendergrass Banking Co_________ Pendergrass __________ 25,000 00 Houston Banking Co.____________ Perry ---------------- 25,000 00 
 
Perry Loan & Savings Bank______Perry ---------------- 23,150 00 
 
Bank of Pinehurst_ _____________Pinehurst ------------ 25,000 00 
 
Salzburger Bank _______________ Pineora ____________ _ 25,000 00 
 
Bank of Pineview______________ Pineview _________ _ 15,000 00 
 
Pitts Banking Company_________Pitts ---------------Plains Bank __________________ Plains ______________ _ 
Bank of Plainville______________Plainville ___________ _ Bank of PortaL________________Portal _______________ Bank of Poulan________________ Poulan _____________ _ 
 
25,000 00 50,000 00 15,000 00 15,000 00 
15,000 00 
 
Bank of Powder Springs_________Powder Springs ______ Bank of Preston_______________Preston _____________ _ Farmers Bank __________________ Pulaski _____________ _ 
 
25,000 00 
15,000 00 15,000 00 
 
Bank of Quitman _______________ Quitman ------------ 165,000 ou 
 
Citizens Bank _________________ Ray City ____________ _ 25,000 00 
 
Farmers & Merchants Bank______ Rebecca ------------Peoples Bank __________________Rebecca -------------Farmers State Bank _____ _: ______ Register ____________ _ Bank of Reidsville______________Reidsville ___________ _ Tattnall Bank ------------------Reidsville __________ _ Rent7. Banking Company_________ Rentz ______________ _ 
Reynolds Banking Company_____ Reynolds -----------Bank of Rex___________________ Rex ----------------- 
 
15,000 00 15,000 00 
15,000 ou 
15,000 00 50,000 00 15,000 00 25,000 00 15,000 00 
 
Rhine Banking Company_________ Rhine --------------- 25,000 00 Bank of Richland _______________ Richland ___________ _ 60,000 00 
 
~~~)le~f B~~~g()id===============iW~~~~~~ ============ 
Bank of Roberta________________ Roberta -------------Crawford County Bank__________ Roberta ____________ _ Bank of Rochelle________________Rochelle ------------Bank of Rockledge_______________Rockledge ___________ _ Bank of Rockyford _____________ Rockyford __________ _ Rockmart Bank ________________Rockmart ------------ 
Citizens Bank _________________ Horne ---------------- 
 
35,000 00 
 
25,000 00 
 
15,000 00 
 
15,000 00 
 
25,000 00 
 
15,000 00 
 
15,000 00 
 
30,000 50,000 
 
o0o0 
 
Floyd County Bank_____________ Rome. --------------- fiO,OOO 00 
 
Rank of Roopville_______________ Roopville ------------ 15,000 00 
 
Roswell Bank _________________Roswell ------------- 25,000 00 
 
Farmers Bank ------------------Royston ------------- 30,000 00 Hoyston Bank __________________ Royston ------------- 60,000 00 Bank of Rutledge_______________ Rutledge ------------ 50,000 00 
 
CHARTERED 
 
Sept. Apr. Aug, 
Jan. Feb. Apr. June 
Feb. Aug. May 
Aug. 
Jan. Oct. Mch. Dec. Apr. 
Mch. July 
Mch. Nov. Sept. May 
Feb. Jan. July Dec. May 
Aug. Jan. Jan. Mch. July 
May 
Oct. Nov. .Jan. Nov. 
Mch. July 
1\Tov. 
Sept. 
 
29, 1905 14, 1905 20, 1889 
1, 1908 15, 1915 13, 1904 
2, 1906 
15, 1902 21, 1912 21, 1910 
22, 1903 3, 1905 
27, 1906 3, 1912 
26, 1888 28, 1911 25, 1918 
3, 1918 
11, 1912 6, 1912 
14, 1900 2, 1914 
26, 1913 30, 1912 11, 1918 29, 1890 22, 1905 
26, 1904 2, 1911 7, 1901 
15, 1905 23, 1912 
28, 1907 31, 1900 1, 1889 
8, 1919 5, 1912 
1, 1901 11, 1907 
7, 1901 24, 1898 
 
BEGAN BUSINESS 
 
Sept. June 
Feb. Apr. June Jan. Sept. July July Jan. Oct. Mch. Dec. Aug. Feb. Aug. Mch. Jan. Oct. May Mch. Feb. July Aug. Aug. Jan. Jan. Feb. Mch. 
 
29, 1905 5, 1905 1889 1904 
16, 1915 4, 1904 1906 
22, 1902 1, 1912 
30, 1910 
25, 1903 23, 1905 
1906 8, 1912 31, 1888 14, 1911 13, 1918 20, 1918 
18, 1912 3, 1913 
22, 190'0 5, 1914 
3, 1913 5, 1912 11, 1918 1, 1890 18, 1905 
1, 1890 2, 1911 1, 1901 15, 1905 
 
July Oct. Jan. Jan. 
 
3, 1907 31, 1900 
1, 1904 8, 1917 
 
Oct. Nov. 
 
1901 1, 1907 7, 1901 
1898 
 
 NAME OF BANK. 
 
LOCATION. 
 
OAPITAL 
 
Bank of Camden County__________ st. Marys ------------ 15,000 00 Bank of Sale City______________ Sale City ------------ 15,000 00 Citizens Bank -----------~-----Sandersville __________ 50,000 00 Peoples Bank ___________________ Sardis --------------- 25,000 00 
Bank of Sasser----------------- Sasser --------------- 25,000 00 American Bank & Trust Co---~--Savannah ------------ 200,000 00 Chatham Bank & Trust Co. ______ Savannah ------------ 500,000 00 Chatham Sa.vings & Loan Co. ____Savannah ------------ 500,000 00 Citizens & Southern Bank_______ Savannah __________ 1,125,000 00 Citizens Trust Co, ______________ Savannah ------------ 200,000 00 Commercial Bank _______________ Savannah ____________ 100,000 00 
Exchange Bank -----------------Savannah ____________ 200,000 00 
Hibernia Bank ------------------Savannah ------------ 200,000 00 Ga. State Savings Assn. _________Savannah ------------ 325,000 00 Liberty Bank & Trust Co. _______Savannah ____________ 300,000 00 
Mercantile Bank & Trust Co. ____ Savannah ------------ 300,000 00 Oglethorpe Svgs. & Trust Co. ____ Savannah ----------- 250,000 00 Peoples Bank __________________Savannah ------------ 100,000 00 Savannah Bank & Trust Co. ____ Savannah ____________ 700,000 00 
Wage Earners Savings Bank____Savannah ------------ 50,000 00 Bank of Scotland_______________ Scotland ------------- 25,000 00 Scott Banking Co. ______________Scott ---------------- 15,000 00 Farmers & Merchants Bank______ Senoia -------------- 50,00.0 00 Bank of Shady Dale____________Shady Dale ---------- 25,000 00 Citizens Bank _________________ Shady Dale __________ 30,000 00 Bank of Sharon _________________ Sharon -------------- 15,000 00 Sharpsburg Banking Company___Sharpsburg ---------- 15,000 00 Shellman Banking Company______ Shellman ------------ 25,000 00 Bank of Shiloh _________________ Shiloh -------------- 25;000 00 Bank of Siloam _________________ Siloam .-------------- 15,000 00 Bank of Smithville ______________ Smithville ----------- 25,000 00 Bank of Smyrna________________Smyrna -------------- 16,300 00 Bank of Social Circle ____________ Social Circle --------- 75,000 00 Walton County Bank___________ Social Circle --------- 50,000 00 Bank of Soperton ________________Soperton ------------- 25,000 00 Peoples Bank ------------------Soperton ____________ 15,000 00 Bank of Sparks________________ Sparks -------------- 24,910 00 Bank of Sparta________________ Sparta -------------- 25,000 00 Sparta Savings Bank____________Sparta --------------- 25,000 00 Exchange Bank ________________Springfield __________ 15,120 00 Bank of Stapleton______________ Stapleton ------------ 15,000 00 Bank of Statesboro_____________ Statesboro ----------- 75,000 00 Sea Island Bank________________Statesboro ___________ 50,000 00 
Bank of Statham________________ statham ------------- 40,000 00 Bank of Stephens_______________ Stephens ------------ 15,000 00 
 
CHARTERED 
 
Sept. Apr. Dec. June Jan. Jan. Sept. July Sept. May Sept. Jan. Aug. July Dec. Aug. Dec. Jan. Mch. Oct. Mch. 
Feb. Mch. Sept. Feb. Aug. Sept. 
Dec. Sept. Oct. Mch. Jan. Sept. 
Sept. July Dec. Jan. Nov. Dec. 
Dec. Aug. Oct. Mch. Mch. Oct. 
 
16, 1911 15, 1918 
2, 1905 8, 1911 
15, 1905 11, 1915 30, 1879 
1885 22, 1887 22, 1906 
2, 1902 
18, 1906 12, 1906 
29, 1909 18, 1889 
3, 1917 18, 1886 29, 1910 
4, 1869 29, 1915 13, 1912 
5, 1906 2, 1874 14, 1907 6, 1920 29, 1904 29, 1911 
4, 1890 
7, 1911 18, 1904 25, 1903 10, 1911 
1, 1891 
25, 1905 16, 1906 27, 1905 10, 1910 13, 1889 16, 1907 
30, 1907 15 1918 
6: 1891 11, 1901 30, 1904 25, 1911 
 
BEGAN BUSINESS 
 
Dec. May Mch. Aug. Jan. Jan. Apr. 
June 
 
5, 19!'1 1918 
1, 1906 15, 1911 
1905 15, 1915 
1902 
1878 1888 1, 1906 
 
Mch. May Aug. Feb. Sept. Dec. Feb. Mch. Jan. June 
 
12, 1906 1906 
4, 1909 10, 1890 
4, 1917 1886 
1, 1910 
4, 1869 3, 1916 6, 1912 
1906 
 
Oct. Apr. 
 
1, 1907 12, 1920 
 
Oct. Sept. Jan. Sept. 
Mch. Oct. Oct. June Mch. Jan. Feb. Feb. Jan. Oct. Jan. Me h. Apr. Oct. 
 
3, 1911 
1, 1890 1, 1912 
1904 1903 20, 1911 1892 
1905 3, 1903 5, 1906 
12, 1910 1, 1904 
15, 1908 
1, 1908 1, 1918 1, 1874 16, 1901 4, 1904 25, 1911 
 
 Banks and Trust Companies Under the Supervision of the Department of Banking-Continued. 
 
NAME OF BANK. 
 
LOCATION. 
 
CAPITAL 
 
Planters Bank __________________ Stillmore ------------ 25,000 00 
 
Bank of Stockbridge____________ St.ockbrid:ge --------- 60,000.00 Granite Bank ___________________ Stone Mountain _____ _ 15,000 00 Stone Mountain Bank___________ stone Mountain ______ 15,000 00 
 
Bank of Commerce_____________ Summerville -------- 20,400 00 
 
CPehoapttloesogaBaCnokun_t_y__B_a_n_k__-_-_-_-_-_-_-_--_S_ suummmmeirtvi_l_l_e___-_-_-_-_-_-_-_-_- 
 
30,000 00 
25,000 uu 
 
Bank of EmanueL--------------Swainsboro _________ _ 50,000 00 
 
Central Bank --------------------Swainsboro _________ _ 25,000 00 
 
Citizens Bank ------------------Swainsboro ---------- 24,100 00 Exchange Bank ----------------Syc~,tmore ------------ 15,000 00 
 
Planters Bank ------------------Sycamore ------------ 25,000 00 
 
Farmers & Merchants Bank______Sylvester ------------ 42,000 00 
 
Sylvester Banking Company-----Sylvester ------------ 100,000 00 
 
Bank of Talbotton--------------Talbotton ___________ _ 25,000 00 
 
PBeaonpklesof BTaanlklap-o--o-s-a-_-_-_-_-_-_-_-_--_-_-_-_T_ Talablloapttooonsa -_-_-_-_-_-_-_-_-_-_-_- 
 
25,000 00 
25,000 ou 
 
F'armers & Merchants Bank______ T!allapoosa _________ _ 25,000 00 
 
Bank of Taylorsville____________ Taylorsville ________ _ 25,000 00 
 
Farmers State Bank-------------Temple _____________ _ 25,000 00 
 
Temple Banking Company-------Temple -------------- 45,000 00 Farmers & Merchants Bank------Tennille ____________ _ 25,000 00 
 
Peoples Exchange Bank----------Tennille ------------- 30,000 00 
 
Tennille Banking Company------Tennille ------------- 30,000 00 
 
Bank of Thomaston _____________ Thomaston ---------- 25,000 00 
 
Farmers & Merchants Bank______ Thomaston ---------- 50,000 00 Upson Bkg. & Trust Co. _________Thomaston __________ _ 50,000 00 Bank of Thomasville____________ Thomasville _________ 100,000 00 Citizens Bank & Trust Co, _______ Thomasville ________ _ 50,000 00 Peoples Savings Bank___________ Thomasville ________ _ 2fi,OOO 00 Bank of Thomson _______________ Thomson ___________ _ 50,000 00 
 
McDuffie Bank ----------------Thomson Thomson City Bank_____________ Thomson 
 
___________ _ ___________ _ 
 
25,000 00 25,000 00 
 
Bank of Tifton------------------Tifton --------------- 100,000 00 Bank of TignalL ________________Tignall -------------- 50,000 00 
 
Farmers Bank __________________Tignall -------------- 15,000 00 
 
Peoples Bank ------------------Tignall _____________ _ 25,000 00 Bank of Toccoa________________ Toccoa _____________ _ 50,000 00 
 
Farmers & Merchants Bank______ Toccoa -------------- 50,000 00 
 
\Vilkinson County Dank_________Toomsboro ----------Bank of Trion___________________ Trion ______________ _ 
 
25,000 00 25,000 00 
 
CHARTERED 
 
June Sept. Sept. Oct. Oct. Nov. Sept. Mch. Oct. Nov. 
Mch. May Aug, 
July Aug. Dec. Aug. Dec. June Nov. Sept. Oct. 
Dec. Apr. Dec. Mch. 
Dec. Sept. Dec. Oct. July Aug. Apr. Oct. July 
Oct. Dec. July 
.Jan. July 
Oct. 
 
3, 1919 4, 1906 5, 1911 3, 1905 21, 1891 25 1905 13: 1904 22, 1905 
o:27 1920 
1 1900 18, 1918 13, 1914 
2, 1911 5, 1898 16, 1906 3, 1890 31, 1908 21, 1908 6, 1905 22, 1912 25, 1903 10, 1894 
29, 1908 4, 1900 
11, 1910 8, 1893 
19, 1888 27, 1887 30, 1890 22, 1906 
1891 22, 1906 19, 1915 10, 1891 
5, 1909 5, 1920 16, 1913 
1911 
8, 1906 16, 1907 
6, 1912 
 
BEGAN BUSINESS 
 
June Oct. Aug. Oct. Sept. .Tan. Sept. Apr. Nov. Nov. Mch. May Sept. July Dec. Jan. Sept. Jan. June Mch. Oct. 
Jan. Apr. Dec. 
 
4, 1919 
 
24, 1904 
 
31, 1911 
 
1905 
 
1, 1891 
 
1, 1906 
 
20, 1904 
 
3, 1905 
 
8, 1920 
 
i~: 
 
1900 1918 
 
2, 1914 
 
1, 1911 
 
7, 1898 
 
1, 1906 
 
13, 1891 
 
9, 1908 
 
2, 1909 
 
13, 1905 
 
3, 1913 
 
1, 1903 
 
1894 
 
13, 1909 
 
4, 1900 
 
11, 1910 
 
Jan. Sept. July Dec. July Aug. May 
Aug. Oct. Jan. Sept. Jan. July Dec. 
 
31, 1900 27, 1887 
1, 1891 1, 1906 
1891 1906 
11, 1915 1896 1909 
28, 1920 27, 1914 
1911 20, 1906 
16, 1907 17, 1912 
 
 NAME OF BANK 
 
LOCATION 
 
CAPITAL 
 
Bank. of Tucker----------------- Tucker -------------- 15,000 00 Turin Banking Company_________Turin ---------------- 15,000 00 
 
Bank of Ty Ty------------------Ty Ty --------------- 25,000 00 Bank of Unadilla_______________Unadilla ------------- 50,000 00 
 
Commercial Bank --------------Unadilla ------------- 50,000 00 Bank of Union Point_ ___________ Union Point ---------- 25,000 00 Ashley Trust Company__________Valdosta ____________ _ 100,000 00 Bank of Valdosta________________ Vlaldosta ------------ 200,000 00 
 
Citizens Bank ------------------Valdosta ___________ _ 150,000 00 
 
Exchange Bank ----------------Valdosta ------------- 100,000 00 Merchants Bank __________'------Valdosta ------------- 100,000 00 Bank of Vidalia________________Vidalia -------------- 15,000 00 
 
Citizens Bank ------------------Vidalia -------------- 49,300 00 Farmers Bank -----------------Vidette _____________ _ 15,000 00 
 
ABmanekricoafn VBiaennknian_g__C__o_r_p_o_r_a_t_io_n_______ VViieennnnaa 
 
-_-_ -_ -_ -_ -_ _- _- _- _- _- _- _- -_ 
 
75,000 00 50,000 00 
 
Dooly Savings Bank_____________ Vienna -------------- 25,000 00 Bank of Villa Rica______________Villa Rica __________ _ 50,000 00 Merchants & Planters Bank______Villa Rica __________ _ 50,000 00 
 
Citizens Bank -------------------Waco _______________ _ 15,000 00 
 
Bank of Wadley----------------Wadley -------------- 25,000 00 Jefferson County Bank__________Wadley -------------- 30,000 00 
 
Citizens Bank ------------------Warrenton ----------- 50,000 00 Planters & Merchants Bank_______ warrenton ----------- 25,000 00 
 
Farmers & Merchants Bank______ Warthen ___________ _ 15,000 00 Bank of Warwick_______________ Warwick ___________ _ 25,000 00 
 
\Vashington J.1~xchange Bank ______ Washington ---------- 100,000 00 
 
'Vashington Loan & Bkg. Co. ____ '\Vashington ---------- 50,000 Oil Oconee County Bank____________'Vatkinsville ________ _ 37,500 00 
 
Citizens Bank ------------------'\Vaverly Hall _______ _ 15,800 00 
 
Commercial Bank --------------Waycross ------------ 50,000 00 Bank of Waynesboro___________Waynesboro ---------- 50,000 00 
 
Citizens Bank ------------------'Vaynesboro ---------- 25,000 00 Waynesboro Savings Bank_______'\Vaynesboro ---------- 15,000 00 
 
Citizens Bank ---------------,--'V'est Point ---------- 100,000 00 Bank of Weston________________Weston -------------- 15,000 00 
 
Merchants & Planters Bank______'Vhigham ------------ 15,000 00 Bank of V\'hite Plains___________Vl'hite Plains _______ _ 25,000 00 
 
Whitesburg Banking Company___Whitesburg ---------- 15,000 00 
 
Bank of Willacoochee __________Willacoochee --------- 25,000 00 
 
M'erchants & Farmers___________ Willacoochee -------- 18,000 00 
 
Bank of Williamson_____________Williamson ---------- 15,000 00 
 
1F\a'orrmtherGsa. 
 
BTarnuks 
 
t 
 
-& 
 
- 
 
-B-k--g-. -C--o-. _-_-_-_--_W _Wiinnddeerr 
 
_- _- _- _- _- _- _-_-_-_-_-_-_- -_ 
 
50,000 200,000 
 
00 00 
 
Pittard Ba.nking ____ ------------Winterville _________ _ 25,000 00 
 
CHARTERED 
 
Oct. Nov. Sept. July 
Aug. May 
Mch. 
Mch. Dec. July 
Dec. 
Jan Apr. 
Nov. Feb. Aug. Sept. May 
Apr. 
Sept. .Tan. Oct. Apr. Apr. 
Oct. Nov. Dec. May 
Oct. Sept. 
Oct. 
Dec. Feb. 
Me h. Feb. May 
.Tune .Tune Sept. Dec. 
May 
Nov. Feb. Apr. 
.Tan. 
 
29, 1919 25, 1905 13; 1910 
5. 1898 5, 1907 15, 1911 12, 1913 17, 1920 1, 1890 30, 1912 26, 1888 31, 1906 19, 1901 17' 1910 17 1917 26: 1889 25, 1905 4, 1899 
25, 1907 15, 1914 29, 1902 
5, 1907 14, 1902 13, 1907 30, 1911 28, 1910 
1888 1890 17, 1904 13, 1909 15, 1918 
16, 1890 2, 1898 6, 1911 
17, 1917 6, 1913 
18, 1918 11, 1904 11, 1907 21, 1900 
26, 1906 5, 1912 
28, 19'14 22, 1915 
9, 1911 
 
BEGAN BUSINESS 
 
Dec. July Sept. 
Aug. May Apr. Apr. Jan. Sept. Dec. Jan. Apr. Jan. Feb. Sev.t. Oct. May Apr. Nov. 
 
30, 1919 1, 1905 
13, 1910 1898 1907 1911 1913 
27, 1920 1891 
1, 1912 26, 1888 31, 1906 19, 1901 
7, 1911 23, 1917 
1889 16, 1905 
1899 
30, 1907 10, 1914 
 
Oct. Apr. 
 
11, 1907 14, 1902 
 
Dec. .Tan. Jan. May Oct. Sept. Oct. 
Feb. Mch. Mch. Mch. June July Nov. Mch. Aug. Dec. Mch. Apr. Jan. 
 
11; 1911 1, 1911 1, 1889 1, 1895 1904 
9, 1909 
31, 1918 
1892 2, 1898 6, 1911 15, 1917 
20, 1913 18, 1918 
8, 1904 18, 1907 18, 1901 
1906 9, 1912 31, 1914 22, 1915 16, 1911 
 
 Banks and Trust Companies Under the Supervision of the Department of Banking-Continued. 
 
NAME OF BANK. 
 
LOCATION 
 
CAPITAL 
 
Peoples Bank __________________VVoodbury VVoodbury Banking Company____VVoodbury 
 
--------------------- 
 
------------- . 
 
Farmers 
VVoodland Bank of 
 
BVBaVnaonkokds-t-_o-_c-k_-__-__-__-____-__-__-__-__-__-__-__-__- 
 
VVoolsey Citizens 
 
BBanaknk__-_-_-_-_-_-_-_-_-_-_-_-_-__- 
 
_- _- _- 
 
\VVVooooddlcalnifdf \Voodstock 
 
------------ 
---------------------- 
 
VV VVor eonl sse y- - - - - - - - - - - - - - - 
 
VB\aT rnekn s o fBVa nVkr i g-h-t s-v-i-l-l e- -_-_-_-_-_ -_ -_ _- _- _- _- _- VVVV rriegnhs t s v- -i l-l-eExchange Bank ---------------- VVrightsville 
 
------------------ 
--------- 
 
Farmers Bank -----------------VVrightsville 
 
--------- Yatesville 
Bank of 
 
ZeBbaunloknin_g___C_o__m_p_a_n_y_________zYeabtuelsovnille 
 
------------ 
 
--------------------------- Farmers Bank ------------------ Zebulon 
 
15,000 00 
23,400 00 25,000 00 
15,000 00 25,000 00 15,000 00 15,000 00 15,000 00 25,000 00 35,000 00 
47,000 00 17,500 00 
25,000 00 27 ,00'0 00 
 
CHARTERED. 
 
July Oct. Aug. Nov. Nov. Aug. 
Oct. Mch. 
Feb. Dec. Apr. 
Dec. Mch. Aug. 
 
7, 1907 1902 
26, 1912 17, 1907 13, 1905 21, 1907 
1, 1907 20, 1916 
16, 1897 20, 1909 28, 1919 
18, 1906 18, 1905 22, 1919 
 
BEGAN BUSINESS 
 
Sept. Oct. Sept. Nov. Nov. Oct. Oct. Mch. 
Feb. Dec. July 
Aug. 
Jan. Oct. 
 
1907 1902 9, 1912 25, 1907 15, 1905 7, 1907 1, 1907 28, 1916 
16, 1897 13, 1909 15, 1919 28, 1906 31, 1905 
1, 1919 
 
 ~B.ANCHE~ r,T,' BANKS AND TRUST COMPANIES UNDER THE SUPERVISION OF THE DEPAI:TMENT OF BANKING ('rWENTY-FOUR) 
 
NAME OF BANK. 
 
LOCATION. CAPITAL EMPLOYED 
 
PARENT BANK 
 
LOCATION 
 
Farmers Bank ---------------- Alamo ------$ 15,000 00 Farmers Bank -----------------Glenwood Brunswick B. & T. Co---------==Arco -------- 15,000 00 Brunswick B. & T. Co ___________ Brunswick Mitchell St. Branch______________Atlanta ----- 50,000 00 Central B. & T. Co. ______________ Atlanta 
 
Citizens & Sou. Bank____________ Atlanta ----- 600,000 00 Citizens & Sou. Bank ____________ Savannah 
 
Citizens & Sou. Bank____________ Augusta ---- 125,000 00 Citizens & Sou. Bank -----------Savannah 
 
Plaza Branch __________________ Augusta ---- 50,000 00 Merchants Bank -------------- Augusta Citizens Bank _________________ Avera ------ 15,000 00 Bank of Louisville ______________ Louisville 
 
Bank of Eastville_______________ Bogart ------ 15,000 00 Oconee County Bank ------------ Wa.tklnsvillle 
 
Broxton Bkg. Co ----------------Broxton ---- 15,000 00 Union Banking Co. --------------Douglas Farmers & Merchants Bank _____ Calvary ----- 15,000 00 Farmers & Merchants Bank______ Cairo 
 
Bank of Demorest_ _____________ Demgrest ___ 15,000 00 Cornelia Bank ------------------Cornelia 
 
Greenville Banking Co. __________ Gay -------- 25,000 00 Greenville Bkg. Co. -------------Greenville Decatur Co. Bank_______________ Iron City ___ 15,000 00 Decatur Co. Bank---------------Bainbridge Citizens & Sou. Bank____________ Macon ------ 125,000 00 Citizens & Sou. Bank____________savannah 
 
Jefferson Co. Bank_____________ Matthews ___ 15,000 00 Jefferson Co. Bank______________ Wadley 
 
Bank of Morven _________________ Morven _____ 15,000 00 Citizens Bank ------------------Hahira 
 
Bank of Omaha __________________ Omaha ----- 15,000 00 Peoples Bank -------------------Richland 
 
Farmers & Merchants___________ Pinehurst 
 
16,000 00 Commercial Bank _______________Unadilla 
 
Liberty St. Branch _____________ Savannah ___ 25,000 00 Citizens & Sou. Bank____________ savannah 
 
Exchange Bank Branch __________ savannah ___ 50,000 00 Exchange Bank _________________ savannah 
 
Bank of Surrency________________ Surrency ____ 15,000 00 Baxley Bkg. Company____________ Baxley 
 
Bank of Suwanee________________ suwanee ---- 15,000 00 Bani< of Buford __________________Buford 
 
Oglethorpe S. & T. Co.____________ Thomasville _ 25,000 00 Oglethorpe S. & T. Co. ____________ savannah Commercial Bank ---------------Uvalda ----- 15,000 OOM~. v-.r~on Bank________________ Mt. Vernon 
 
-~ . 
 
.j: 
' 
 
~i 
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~ -~ 
j1 
 
i] 
 
'1 
 
"..'.,:j 
 
:j 
 
~ 
 
m H 
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1-{ 
 
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i> 
 
t"' 
 
~ 
t-.j >-::1 0 ~ 
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 1 
 
 BANK STATEMENTS 1920 
 
.. 
 
'~ 
 
. \ ~ 
 
,. .. '- \ 
 
  FmsT ANKUAL REPORT 
 
3 
 
EXAMINEB'S BEPOBT 
BANK OF ABBEVILLE, ABBEVILLE. 
 
At Close of Business September 20, 1920. 
 
President-"\V. E. Oliver. Vice-President-T. M. Cook. Cashier-Fred Ewing. 
 
Directors-W. E. Oliver, Jas. M. Mixon, C. F. Ford, T. M. Cook, A. A. Stubbs. 
 
Date of Charter-October 6, 1904. 
 
Began Business-October 25, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$101,328 19 Capital Stock Paid In _______ .$ 15,000 00 
 
Demand Loans ------------LUonaitnesdSSectautreesd BbyonRdsea_l_E__s_ta__te_ 
 
47,702 93 _6_0_,_0_0_0 - 0__0 
 
SAumrpt.luRs eFseurnvded __fo__r__B_r_a_n_c_h__es_ Undivided Profits _________ _ 
 
3,000 00 27,154 63 
 
Other Stocks and Bonds_____ 1,500 00 Dividends Unpaid .. ______ - _ 
 
Banking House ------------ 2,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned___ 
 
3,542 50 3,747 01 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
61,000 00 
 
Due from Banks in this State 44,412 95 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
3,135 31 DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
__6_,3_2_4___00_ 
 
Time Certificates of Deposit_ Savings Deposits __________ _ 
 
80,070 64 
62.026 20 1,387 20 
 
Silver, Nickels, Pennies. ___ _ 1,319 24 Trust Funds on Deposit_ ___ _ 
 
Advanced on Cotton_- ______ Adivtiaensce_s__o_n__O_t_h_e_r__C__o_m_m_ -o-d-i-- 
 
298 42 Cashiers' Checks __________ _ Certified Checks ___________ _ 
__ ----- __ Bills Payable _____________ _ 
 
353 84 42,000 00 
 
Checks for Clearing House __ 1,300 77 Notes and Bills Rediscounted 5,000 00 
 
Other Checks and Cash Items 
 
613 6+ Qertifica tes of Deposit for 
 
Customer's Liability on Let- 
 
Borrowed Money --------- 
 
ttaenrscesof _C__re_d__it__a_n_d___A_c_c_e_p_-_ Overdrafts (if any)-- ____ -_- 
 
________ _ __ ----- __ 
 
Liability on Letters of Credit, and Acceptanees ---------- 
Re><erve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
County Warrants ---------- 16,183 05 
 
Fire Insurance Fund _______ - 
 
120 00 
 
Depositors' Guaranty Fund_- 3,464 50 
 
TotaL------------ ____ ----$296,992 51 Total.--------------------$296,992 51 
 
BAKK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$107,206 96 Capital Stock Paid In ________ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
20,722 16 63,132 42 
 
Amt. Reserved for Branches Surplus Fund ____ -- _____ -- _ 
 
3,000 00 
 
United States Bonds-------- --------- Undivided Profits -- __ ------- 22,163 16 Other Stocks and Bonds. ___ - 1,500 00 Dividends Unpaid .. _____ -- _ 
 
Banking House -----------Furniture and Fixtures _____ Other Real Estate Owned.-- 
 
2.000 00 Due to Banks in this State._ 
 
3,542 50 4,206 76 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a-te__s 
 
383,,o0o0o0 0oo0 
48,000 00 
 
Due from Banks in this State 9,616 39 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
49 07 DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
GCoulrdr e n c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
_1_4_,2_2_3___00_ 
 
Time Certificates of Deposit_ Savings Deposits _________ _ 
 
52,211 94 
62,980 09 1,389 20 
 
Silver, Nickels. Pennies ____ _ 2,456 38 Trust Funds on Deposit- ___ _ 
 
Advances on Cotton _____ --- 
 
298 42 Cashiers' Checks _______ --- _ 
 
Advances on Other Commodi- 
 
Certified Checks ___________ _ 
 
i ties _____________ - _- - - - - - -- - - - - - __ Bills Payable _________ _ 
 
735 82 
 
Checks for Clearing House._ ________ _ Notes and Bills Rediscounted 2,500 00 
 
Other Checks and Cash Items 
 
151 60 Certificates of Deposit for 
 
Customer's Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit, 
 
tances ____ - ____ --- __ ----Overdrafts (if any) _________ 
 
----------------- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
County Warrants ----------- 16,183 05 
 
Secondary Banks(Collections) 
 
107 00 
 
Depositors' Guarantee Fund_ 3,464 50 
 
Mutual Fire Insurance Fund 
 
120 00 
 
Total---------------------$248,980 21 TotaL ______ ------- ______ .$248,980 21 
 
 1- 
 
4 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S BEPOB'l' 
FARMERS BANK, ABBEVILLE. 
At Close of Business September 18, 1920. 
President-Oscar Cannon. Vice-Presidents-a. F. Paxson, R. P. Brown. Cashier-B. C. Smith. 
Directors-J. T. Wilson, R. P. Brown, A. L. Everett, \V. A. Keene, L. C. Goodwin, R. F. Ford, 0. F. Paxson, J. N. Cannon, Oscar Cannon. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans - _____________ -$ 
Demand Loans ------------Loans secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ___________ _ Furniture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
54,536 13,331 
5,400 
6.333 1,515 
 
48 35 00 
68 24 
 
Capital Stock Paid In _______ $ 
Amt. Reserved for Branches Surplus Fund-------------UDnivdiidveidnedds PUrnopfaitisd --..--_-__-_-_-_-_--_ 
Due to Banks in this State __ CDaulel tMo oBnaenyks__i_n__O_t_h_e_r__S_t_a_t_es_ 
 
47,551 93 
1,954 74 5,000 00 
 
Due from Banks in this State Due from Banks in other 
States ------------------CG uo lrdr e n c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton _______ _ Adivtiaensce_s_ -o-n- _o_t_h_e_r__C__o_m_m__o_d_i_- 
Checks for Clearing House __ Other Checks and Cash Items Customer's Liability on Let- 
ters of Credit and Accep- 
 
6,638 28 Individual Deposits Subject to 
 
508 2,037 
 
66 00 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ 
 
Savings Deposits __________ _ 
 
617 12,075 
 
45 27 
 
Trust Funds on DeposiL- __ _ Cashier's Checks ___ --- _- _-- 
 
Certified Checks __________ - _ 
 
Bills Payable ____________ - _ 
 
1,464 3,432 
 
86 85 
 
Notes and Bills Certificates of 
 
Rediscounted Deposit for 
 
Borrowed Money ____ ---- _ 
 
Liability on Letters of Credit, 
 
38,056 79 18,740 00 
3,216 49 15,000 00 
5,396 58 
 
O vt aenr dc er as f t s- - -( i-f- -a-n-y-)- -_-_-_-_ _- _-_-_- -_ OOvtheerrdrAafstssets:_______________ _ 
 
and Acceptances _----- _-Reserve for Interest and Taxes 3,233 48 Other Liabilities ----------- 
 
Total ___ -- ______________ -$111,124 60 Total --------------------$111,124 60 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
 
47,551 8,410 
 
93 89 
 
Cacpital Stock Paid In------$ 23,800 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ___________ _ 
 
Surplus Fund ____ ---------- 
Undivided Profits ---------Dividends Unpaid ---------6,371 70 Due to Banks in this State_- 
 
844 52 
 
Furniture and Fixtures __ --- 1,937 90 Due to Banks in other States 
 
Other Real Estate Owned __ _ 
 
Call Money ______ ---------- 
 
Due from Banks in this State Due from Banks in other 
States ------------------CG oulrdr e n c_y_ _ _ _-_- ---- -_ -_ _- _-_-_-_-_- ------ -- -- -Silver, Nickels. Pennies ____ _ Advances on Cotton ______ --Adivtiaensce_s_ -o-n--O--th_e_r__C_o__m_m__o_d_i-_ 
Checks for Clearing House __ 
 
2,425 56 Individual Deposits Subject 
161 76 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 1,121 00 Time Certificatss of DeposiL 
Savings Deposits _------- __ _ 541 04 Trust Funds on Deposit_ ___ _ 4,584 36 Cashier's Checks - _--------- 
Certified Checks ____ - __ ----Bills Payable _____________ _ 
400 64 Notes and Bills Rediscounted 
 
14,059 34 11,010 25 
1,418 30 19,000 00 
 
Other Checks and Cash Items Customer's Liability on Let- 
ters of Credit and Accep- 
 
832 78 Certificates of Deposit for Borrowed Money ____ ----- 5,000 00 
Liability on Letters of Credit, 
 
O vt aenr dcreasf t s- - -( i-f- -a-n-y-)- -_-_-_ -_ _- _-_-_- -_ Other Assets: Collection Account _________ _ 
 
and Acceptances ---------604 25 Reserve for Interest and Taxes 
Other Liabilities __ -- __ ----- 
161 60 
 
TotaL ____________________ $ 75,132 41 TotaL ____________________ $ 75,132 41 
 
 FmsT ANNUAL REPORT 
 
E:XAMIJII'EB'S B.:POBT 
 
BANK OF ACWORTH. 
 
At Close of Business December 15, 1920. 
 
President-H. M. Williams. Vice-President-H. L. McMillan. 
 
Cashier-J. E. Carnes. 
 
Directors-H. M. Williams, J. E. Carnes, R. L. McMillan, A. J. Durham, E. M. 
 
Bailey, A. J. Morgan, W. G. Grogan, W. H. Kemp. 
 
Date of Charter-October 31, 1905. 
 
Began Business-December 19, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$183,524 53 
 
Demand Loans ------------- 
 
525 00 
 
Loans Secured by Real Estate --------- 
 
United States Bonds -------- 16,698 20 
 
Other Stocks and Bonds _____ --------- 
 
Banking House ------------- 1,600 71 
 
Furniture and Fixtures_____ 3,024 93 
 
Capital Stock Paid In _______ $ 25,000 00 Amt. Reserved for Branches Surplus Fund -------------- 5,000 00 Undivided Profits ---------- 8,743 14 Dividends Unpaid .. -------Due to Banks in this State __ Due to Banks in other States 
 
Other Real Estate Owned ___ Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
--------13,948 69 
2,263 12 4,938 00 
 
Call Money ---------------Individual Deposits Subject to 
Check ------------------DemandCertificates of Deposit Time Certificates of Deposit_ 
 
81,187 36 99,232 33 
 
Gold ----------------------- 
 
437 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 1,034 19 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
Advances on Other Commodi- 
 
Certified Checks ___________ _ 
 
ities ------- __ - _-- ____ -- __ _- ____ - __ Bills Payable _____________ _ 
 
Checks for Clearing House __ 1,262 88 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
51 32 Certificates of Deposit for 
 
Customer's Liability on Let- 
 
Borrowed Money ________ _ 
 
224 76 10,000 00 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit, 
 
tances __ - _- ___________ - __ _~ _______ and Acceptances ________ _ 
 
Overdrafts (if any)-_--_--_Other Assets: Cash Shortage ____________ _ 
 
74 4!\ Reserve for Interest and Taxes Other Liabilities __________ _ 
4 07 
 
Total---------------------$229,387 59 TotaL ____________________ $229,387 59 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$131,220 43 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans _____________ 
 
589 90 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 26,450 72 Surplus Fund -------------- 5,000 00 United States Bonds________ 16,698 20 Undivided Profits ------- _--- 8,526 02 Other Stocks and Bonds _____ --------- Dividends Unpaid., _______ _ 
 
Banking House ------------ 1,600 71 Due to Banks in this State __ Furniture and Fixtures______ 3,024 93 Due to Banks in other States 
 
Other Real Estate Owned ___ --------- Call Money ---------------Due from Banks in this State 13,310 48 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 81,314 73 
 
States _ _____________ _____ 1,9 41 59 Demand Certificates of Deposit 
 
Currency ------------------ 5,262 00 Time Certificates of Deposit 98,761 17 
 
Gold ----------------------- 
 
417 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 1,017 97 Trust Funds on Deposit_---- 
 
Advances on Cotton_________ _________ Cashier's Checks ___ ---- __ - _ 
 
237 28 
 
Advances on Other Commodi- 
 
Certified Checks _-- _------- _ 
 
ities __ _______ ___ ______ ___ __ ____ __ _ Bills Payable -------- _---- _ 10,000 00 
 
Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,541 84 Certificates of Deposit for 
 
Customer's Liability on Letters of Credit and Accep- 
 
Borrowed Money --------Liability on Letters of Credit, 
 
tances ------------------- 25,688 48 and Acceptances --------- 
 
Overdrafts (if any) ________ 
 
7 4 45 Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
TotaL------------- _____ -~$228,839 20 
 
Total _____________________ $228,839 20 
 
 BANKING DEPARTMEXT 
 
EXAMINER'S BEPOB'l' 
 
S. LEMON BANKING 00, ACWORTH. 
 
President-James W. McMillan. Vice-President-Orlando Autrey. 
 
Cashier-Lemon M. Awtrey. 
 
Directors-G. W. McMillan, C. C. Adams, J. L. Nicholls, C. M. Lovingood, 
 
W. A. Hill. 
 
Date of Charter-December 18, 1906. 
 
Degan Business-January 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$117,615 57 Capital Stock Paid In _______ $ 30,000 00 
 
DLoeamnasnSd ecLuoraendsby--R--e-a-l-E--s-t-a-te- __1_,_1_5_9__16_ SAumrpt.luRs eFseurnvded __f_o_r__B_r_a_n_c_h__es_ 15,000 00 
 
United States Bonds ------Other Stocks and Bonds_____ 
 
13,150 00 ________ _ 
 
UDnivdiidveinddeds 
 
UPnrpoafiidt s .-.- -_ _-_-_-_-_-_- -_ 
 
4,051 19 
 
Banking House------------- 2,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned___ 
 
4,016 71 ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from App. Res. Agents__ Due from other Banks_______ 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton _________ 
 
19,038 38 Individual Deposits Subject to 
 
590 63 2,482 00 
 
D eCmhaencdk C e-r-t-i f-i-c-a-t e- s- -o-f-D- -e-p-o-s-i-t 
 
511 00 1,783 54 
 
Time Certificates of DepositSavings Deposits _- ________ _ 
 
--------- Trust Funds on Deposit ____ _ 
 
79,771 17 54,360 76 
 
A~v.ances on Other Commodi- 
 
Cashier's Checks ----------- 
 
591 68 
 
1tles _- - - - - - - - - -- - - - - - - -- Checks for Clearing House, 
 
-- - - -- -- - 
 
Certified Checks __ -- ___ -- __ _ Bills Payable - ___ --- __ - ___ _ 
 
35,000 00 
 
Other Checks and Cash Items ------------------Customer's Liability on Letters of Credit and Accep- 
O vt aenr dc reasf t s- - (-i-f- -a-n-y-)-_-_-_-_-_-_-_-_-_Other Assets _______________ 
 
Notes and Bills Rediscounted 
 
1,667 26 Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Credit, 
 
-_ -_-_-_ -_ _- _- _- -_ ________ _ 
 
and Acceptances ________ _ Reserve for Interest and Taxes Other Liabilities __________ _ 
 
5,000 00 
707 00 32 45 
 
Total _____________________ $224,514 25 TotaL ______ -------- ___ ---$224,514 25 
 
BANK'S STATEMENT. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$143,788 55 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 1,184 75 Amt. Reserved for Branches Loans Secured by Real Estate 26,319 21 Surplus Fund -------------- 15,000 00 United States Bonds ________ 13,150 00 Undivided Profits ---------- 4,140 81 Other Stocks and Bonds_____ _________ Dividends Unpaid .. _______ _ 
 
Banking House ------------ 2,500 00 Due to Banks in this State __ Furniture and Fixtures ____ 4,016 71 Due to Banks in other States Other Real Estate Owned ____ --------- Call Money __ c ____________ _ 
 
Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
9,260 36 Individual Deposits Subject to 
Check ---- _-------------9,335 73 Demand Certificates ofDeposit 3,442 00 Time Certificates of Deposit- 
 
81,727 72 54,346 13 
 
Gold --------------------- 
 
511 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ 1,898 36 Trust Funds on Deposit-- __ - 
 
Advances on Cotton _________ --------- Cashier's Checks ----------A~1v.haensce_s__o_n__O_t_h_e_r__C_o_m__m__o_d_i-_ _________ CBeilrltsifiPedayCabhelecks_______-_-____ -----_-___-- 
Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
126 48 
33,000 00 5,000 00 
 
Other Checks and Cash Items 1,437 40 Certificates of Deposit for 
 
Customer's Liability on Let- 
 
Borrowed Money ___ --- __ - 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit, 
 
tances ------------------- 7,198 07 and Acceptances --------Overdrafts (if any)_________ _________ Reserve for Interest and Taxes Other Assets ___ ____ ___ ____ _ __ __ __ __ _ Other Liabilities _____ -- ___ _ 
 
707 00 
 
Total _____________________ $222,012 14 Total---------------------$222,012 14 
 
 FIRST ANNUAL REPORT 
 
7 
 
EXAMmEB.'S BEPOBT. 
 
BANK OF ADAIRSVILLE. 
 
At Close of Business September 25, 1920. 
 
President-Joe P. Bowdoin. Vice-President-E. D. Veach. Cashier-0. B. Bishop. Directors-Joe P. Bowdojn, E. D. Veach, 0. B. Bishop, N. C. Anderson, R. L. 
Franklin, M. P. Gaines, B. E'. Lewis. 
 
Date of Charter-March 23, 1899. 
 
Began Business-March 24, 1899. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$362,250 28 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 38,846 22 Loans Secured by Real Estate_ -65,096 95 
 
ASumrtp.luRs esFeurnvded __fo__r __B_r_a_n_c_h__es_ 
 
25,000 00 
 
United States Bonds ------Other Stocks and Bonds _____ 
 
9,300 00 --------- 
 
Undivided Profits Dividends Unpaid 
 
_________ _ _________ _ 
 
21,298 81 1,500 00 
 
Banking House ------------ 3,260 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ Other Real Estate Owned ____ 
 
4,500 00 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
70,000 00 
 
Due from Banks in this State 10,925 43 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies ----Advances on Cotton_________ A<l!tvle.asnce_s_ _o_n_ _O_ t_h_ e_r_ _C_o_m__m__o_d_i-_ 
 
20,661 90 6,065 00 215 00 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t 
 
168,957 5,000 
 
99 00 
 
Time Certificates Savings Deposits 
 
of DeposiL __________ _ 
 
105,977 
 
15 
 
1,975 96 Trust Funds on DeposiL ___ _ 
 
________ _ Cashier's Checks __________ _ Certified Checks ___________ _ 
 
4,654 59 
 
________ _ Bills Payable _____________ _ 100,000 00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
440 55 Certificates of Deposit for 
 
Customer's Liability on Let- 
 
Borrowed Money --------- 
 
ttaenrscesof - C__re__d_it__a_n_d___A_c_c_e_p_-_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances ________ _ 
 
Overdrafts (if any) _______ _ Other Assets _____________ _ 
 
12 75 Reserve for Interest and Taxes 3,584 50 Other Liabilities __________ _ 
 
Total---------------------$527,388 54 Total---------------------$527,388 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$323,414 n Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 38,409 26 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 59,237 64 Surplus Fund -------------- 25,000 00 
 
United States Bonds (U. S. 
 
Undivided Profits ---------- 16,297 43 
 
Liberty Bonds) ---------- 9,300 00 Dividends Unpaid .. -------Other Stocks and Bonds_____ __ __ _____ Due to Banks in this State_- 
 
Banking House ------------ 3,260 00 Due to Banks in other States Furniture and Fixtures ____ 4,500 00 Call Money----------------- 23,000 00 Other Real Estate Owned____ _________ Individual Deposits Subject to 
 
Due from Banks in this State 7,540 73 Check ------------------- 142,653 03 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ----------------- 15,708 09 Time Certificates of DeposiL 75,069 73 
 
Currency ------------------ 7,090 00 Savings Deposits ----------- 
 
Gold ---------------------- 
 
310 00 Trust Funds on Deposit_ ___ _ 70,417 01 
 
Silver, Nickels, Pennies ----- 1,006 50 Cashier's Checks ----------- 
 
578 15 
 
Advances on Cotton_________ _________ Certified Checks ___ -- ____ - _- 
 
Advances on Other Commodiities _____________________ 
Checks for Clearing House__ Other Checks and Cash Items Customer's Liability on Let- 
 
Bills Payable __ ----- _-----_________ Notes and Bills Rediscounted _________ Certificates of Deposit for 
449 25 Borrowed Money -- _-----Liability on Letters of Credit, 
 
79,000 00 12,500 00 
5,000 00 
 
ters of Credit and Accep- 
 
and Acceptances - _------- 
 
tances ___________________ _________ Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- 
 
659 67 Other Liabilities ----------- 
 
Other Assets --------------- 3,629 50 
 
Total---------------------$474,515 35 Total---------------------$474,515 35 
 
 8 
 
BANKI~G DEPARTMENT 
 
EXAJIIIINEB'S BEPOBT. 
 
BANK OF ADEL, ADEL. 
 
At Close of Business September 14, 1920. 
 
President-.J. F. Lewis. Vice-PresidentF--M. T. Shaw, w. B. Wilkes. 
 
Cashier-W. M. Tyson. 
 
Directors-.J. F. Lewis, M. T. Shaw, "\V. B. W!lkes, W. M. Tyson, A. D. Wiseman, 
 
A. D. Cobb, W. R. Wells. 
 
Date of Charter-November 30, 1901. 
 
Began Business-190L 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$310,178 64 Capitfil Stock Paid In ______ -$ 25,000 00 
 
Demand Loans ------------- 52,689 35 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund _-- ____ --- _- __ 28,000 00 
 
United States Bonds ------- 11,095 25 Undivided Profits ----------- 8,334.04 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ___ ------ _ 
 
30 00 
 
Banking House ------------- 3,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ____ 
 
3,000 00 10,500 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 12,816 24 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--e-c-k-e-ls-,--P--e-n-n-i-e-s---_-__--_ Advances on Cotton_________ 
 
4,551 02 DeCmhaenckd C-e-r-ti-f-i-c-a-te-s--o-f-D--e-p-o-s-i-t 220,751 50 
 
7,191 00 Time Certificates of. Deposit_ 144,795 6S 
 
3, 023 50 Savings Deposits ____ ---- __ _ 
 
_ __3_1_9___41_ 
 
Trust Funds on DeposiL---Cashier's Checks __________ _ 
 
Adltviaensce_s__o_n__O_t_h_e_r__C_o_m__m__o_d_i-_ ________ _ CBeilrltsifiPedayCahbelecks___-_-_-_-_--- -_-_-__-_--_ 
 
Checks for Clearing House __ 
Other Checks and Cash Items Customer's Liability on Let- 
ters of .credit and Acceptances - ______ -- _____ - __ -- 
 
63 02 Notes and Bills Rediscounted 1,686 25 Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit, _-- ____ - _ and Acceptances __ ---- __ _ 
 
Overdrafts (if any) -------- 18,037 31 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
18.12 Other Liability _____ ----- __ 
 
132 00 
 
Total---------------------$438,669 11 Total---------------------$438,669 11 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$234,568 Zl Capital Stock Paid In-- ____ -$ 25,000 00 
 
Demand Loans ------------- 57,671 93 Amt. Reserved for Branches 
 
LUonaitnesd SSetcautreesd BbyonRdesal__E__s_ta_t_e_ 
 
_3_7_,8_5__9__16_ 
 
Surplus Fund ------ _----- __ Undivided Profits ___ --- ___ _ 
 
28,000 00 6,524 03 
 
Other Stocks and Bonds----- ________ _ Dividends Unpaid .. _______ _ 
 
Banking House ------------- 3,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures _____ Other Real Estate Owned ___ 
 
3,000 00 10.500 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 20,429 28 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuo lrdr e n c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
 
7,939 n DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 68,408 15 
7,727 00 Time Certificates of Deposit_ 203,875 72 3,023 50 Savings Deposits _- __ ------ _ 
 
Silver, Nickels, Pennies ___ _ 
 
799 99 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
Adi vtiaensce_s__o_n__O__th_e-r- _C_o_m__m__o_d_i-_ 
 
________ _ 
 
Certified Checks _____ --- ___ _ Bills Payable _____________ _ 
 
1, 759 96 69,500 00 
 
Checks for Clearing House __ 
 
499 25 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2, 905 48 Certificates of Deposit for 
 
Customer's Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit, 
 
tances -- ____ --- ~--------- --------- and Acceptances __ ---- __ _ 
 
Overdrafts (if any) -------- 11,382 19 Reserve for Interest and Taxes 
 
Othe~ Assets: 
 
Other Liabilities __________ _ 
 
Profit and Loss, L. L. Bonds_ 1,262 61 
 
Total---------------------$403,067 86 Total---------------------$403,067 86 
 
 FIRST ANNUAL REPORT 
 
9 
 
EX:AliiiiJ!I'E:B'S :BEPO:B'l'. 
 
FIRST BANK OF COOK COUNTY, ADEL. 
 
At Close of Business July 13, 1920. 
 
President-C. C. Giddens. Vice-Presidents-S. A. Parrish, H. L. Parrish. 
 
Cashier-J. E. Pitts. 
 
Directors-C. C. Giddens, H. L. Pa~ish, S. A. Parrish, J. E. Pitts, J. L. Jones, 
 
Wm. Castleberry, J. S. Wilkes. 
 
Date of Charter-June 3, 1919. 
 
Began Business-June 10, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$426,482 29 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 54,012 52 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 10,000 00 United States Bonds________ 13,090 00 Undivided Profits _________ _ 8, 914 23 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 1,908 00 
 
Banking House, Furniture 
 
Due to Banks in this State __ 
 
and Fixtures ------------- 8,457 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 
 
Due from Banks in this State 46,355 78 Indvidual Deposits Subject to 
 
Due from Banks in other 
 
Check __________________ _ 199,539 07 
 
States ------------------- 18,811 07 Demand Certificates of Deposit 
 
Currency ----------------- 4,685 00 Time Certificates of DeposiL 161,317 31 
 
Gold ---------------------- 
 
5 00 Savings Deposits ---------- 1,144 30 
 
Silver, Nickels, Pennies-____ 1,317 93 Trust Funds on DeposiL _- __ 125,631 32 
 
Advances on Cotton_________ _____ - ___ Cashier's Checks __________ _ 3,744 59 
 
Advances on Other Commodi- 
 
Certified Checks ___________ _ 
 
27 60 
 
ities ------------------------------Bills Payable-------~------ 
 
Checks for Clearing House__ 
 
473 02 Notes and Bills Rediscounted 20,000 00 
 
Other Checks and Cash Items 
 
490 32 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Acc'ep- 
 
Liability .on Letters of Credit, 
 
tances - ___ -- _---- ___ -- __ - - _------- and Acceptances ________ _ 
 
Overdrafts (if any) ________ 10,203 03 Reserve for Interest and Taxes 
 
OCathshe,r LLioanbgilit_i_e_s_:___________ _ 
 
45 45 
 
ChAecftkesr CIslsouseindg o_n___V__a_l_d_o_s_ta_ 2,111 09 
 
Total---------------------$584,382 96 Total---------------------$584,382 96 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$371,364 42 Capital Stock Paid In- ______ -$ 50,000 00 
 
Demand Loans ------------- 40,619 81 Amt. Reserved for Branches_ 
 
Loans Secured by Real Estate 38,784 03 Surplus Fund -------------- 10,000 00 
 
United States Bonds ------Other Stocks and Bonds----- 
 
13,090 00 250 00 
 
UDnivdiidveinddeds UPrnopfaiitds _-_-_-_-_-_-_-_-_-_--_ 
 
3,060 27 
 
Banking House ------------- 4,257 00 Due to Banks in this State __ 
 
Furniture and Fixtures_- __ Other Real Estate Owned_--- 
 
4,200 00 --------- 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__St_a_t_es_ 
 
Due from Banks in this State 29,371 46 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GC oulrdr e n_c_y_ _ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
 
2,247 58 DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 237,284 79 7,354 00 Time Certificates of Deposit__ 139,799 03 
40 00 Savings Deposits ----------- 2,286 81 
 
Silver, nickels, pennies __ - __ _ 1,347 93 Trust Funds on Deposit_ ____ _ 
 
Advances on cotton_- __ -----A dt iveasn c_e_s_ _o_n_ _O_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
2,925 22 Cashier's Checks-----------Certified Checks ___ - - __ -- - __ 
________ _ Bills Payable--------------- 
 
2,471 25 52,500 00 
 
Checks for Clearing House ___ -- 1,626 60 Notes and Bills Rediscounted 20,165 29 
 
Other Checks and Cash Items 
 
140 00 Certificates of Deposit for 
 
Customers' Liability on let- 
 
Borrowed Money _- ___ -- __ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
Ovaenrcyedsra-f-ts_-(-i-f- -a-n-y-)-_-_-_-_-_-_-_-_- 
 
--2-,-02-3- --64- 
 
and Acceptances _-.- __ --- __ Reserve for Interest and Taxes 
 
2,074 25 
 
--------- Other Assets - - _- --- __ --- -- - -- ----- -- Other Liabilities------------ 
 
Total _----- __________ -- __ -$519,64169 Total --------------------$519,641 69 
 
 F 
! 
 
10 
 
BANKING DEPARTJ\IENT 
 
EXAMINER'S BEPOBT. 
BANK OF ADRIAN, ADRIAN. 
At Close of Business July 9, 1920. 
President-L. 0. Benton. Vice-President-G. F.. Youmans. Cashier-S. H. Lynch. Directors-L. 0. Benton, G. E. Youmans, J. Brown Hutchenson, L. G. Moye, 
James Woods, S. H. Lynch. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$129,674 25 Capital Stock Paid In ________ $ 25,000 00 Demand Loans ------------- 8,745 00 Amt. Reserved for Branches_ 
 
Loans Secured by Real Estate 8,435 00 Surplus Fund -------------United States Bonds _________ 20,815 87 Undivided Profits ----------- 4,920 96 Other Stocks and Bonds_---__ 3, 703 61 Dividends Unpaid __________ _ 
 
Banking House ------------- 4,000 00 Due to Banks in this State __ _ 
 
Furniture and Fixtures_---__ 
 
670 00 Due to Banks in other States 
 
Other Real Estate Owned ____ -------- Call Money----------------- 
 
Due from Banks in this State 1.?,672 50 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ___________________ _ 133,616 18 
 
States -------------------- 7,395 12 Demand Certificates of Deposit Currency ------------------- 3,230 00 Time Certificates of Deposit__ 69,666 09 
 
Gold ----------------------- 
 
60 00 Savings Deposits ----------- 
 
Silver, nickels, pennies------ 3,044 61 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton--------- --------- Cashier's Checks------------ 3,275 79 
 
Advances on Other Commodi- 
 
Certified Checks ___________ _ 
 
ties _- -------------------- -------.- Bills Payable ----- _----- ___ _ 
 
Checks for Clearing House -- -------.- Notes and Bills Rediscounted 
 
Other Checks anij, Cash Items _--.- ___ - Certificates of Deposit for 
 
Customers Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances -------------------- -------.- and Acceptances ___ -- ____ _ 
 
Overdrafts (if any)---------- --------- Reserve forlnterest and Taxes 
 
Other Assets: 
 
Other Liabilities _________ _ 
 
Call Money --------------- 30,000 00 
 
Overdrafts __ ------------- 1,999 64 
 
Cash 
 
Short 
 
--------------- 
 
- 
 
- 
 
12 
- 
 
95 
- 
 
Total---------------------$238,278 82 Total --------------------$238,478 82 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$118,393 99 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans ------------- 9,739 37 Amt. Reserved for Branches- 
 
Loans Secured by Real Estate United States Bonds_________ 
 
21,034 33 ________ _ 
 
Surplus Fund -------------Undivided Profits ----------- 
 
3,000 00 930 70 
 
oii Other Stocks and Bonds_____ 
Banking House ------------- 
 
3,613 61 Dividends Unpaid ---------4,000 00, Due to Banks in this State __ 
 
io~oiio- 
 
Furniture and Fixtures------ 
 
670 OO Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ___ .- _____ - ------ 
 
Due from Banks in this State --------- Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuorldren_c_y_ . -_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_--_ Silver, nickels, pennies- ____ _ 
 
3,282 81 DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f--D-e-p-o-s-i-t 2,478 00 Time Certificates of Deposit 
87 50 Savings Deposits ____ -- _---1,972 19 Trust Funds on DeposiL- __ -- 
 
71,239 07 52,711 10 
 
Advances on Cotton __ --- __ _ 7, 787 19 Cashier's Checks ____ ----. __ _ 
 
900 60 
 
Advances on Cotton Seed ___ _ Checks for Clearing House___ 
 
5,061 03 ________ _ 
 
Certified Checks -----------Bills Payable _- ____ --.--. __ 
 
28,250 00 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 
 
Customers' Liability on let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money __ ---.- .. - 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- -_-_-_-_-_ _- _-_-_- 
 
------------------ 
 
Liability on Letters of Credit and Acceptances ---------- 
 
Other Assets --------------- --------- Reserve for Interest and Taxes 
 
Other Liabilities------------ 
 
Total --------------------$192,031 47 Total --------------------$192,031 47 
 
 FIRST ANNUAL REPORT 
 
11 
 
E:XAMI:NEB.'S B.EPOB.T. 
 
THE BANK OF ALAPAHA, ALAPAHA. 
 
At Close of Business September 18, 1920. 
 
President-G. A. Paulk. Vice-President-M. J. McMillan. Cashier-F. T. Tiller. Directors-G. A. Paulk, J. J. Paulk, M. J. McMiillan, F. T. Tiller, E. D. Gaskins. 
 
Date of Charter-March 4, 1905. 
 
Began Business April 1, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$120,768 25 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------- 
 
16,365 45 Amt. Reserved for Branches_ 
 
Loans Secured by Real Estate United States Bonds_________ 
 
________ _ 4,430 90 
 
USunrdpivluidseFd uPnrdof-it-s--_-_-_-_-_-_-_-_-_-_-_- 
 
16,000 00 12,565 35 
 
Other Stocks and Bonds_____ 61,630 00 Dividends Unpaid _________ _ 
 
Banking House ------------Furniture and Fixtures______ Other Real Estate Owned-___ 
 
4,500 00 Due to Banks in this State_- 
 
2,000 500 
 
00 00 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 48,653 09 Individual Deposits Subject to 
 
Due from Banks in other CuSrtraetnecsy _-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-_ 
GS iollvde r ,- -n-i c- k- -e-l s-,- -p-e-n-n-i-e-s- -_-_-_-_-_-_ 
 
__1-,8__9_1_ -7-1 
 
DeCmheacnkd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 84,919 Time Certificates of DeposiL _ 123,164 
 
22 84 
 
_ _6_,_2_4_3__95_ 
 
Savings Deposits __________ _ Trust Funds on Deposit_ ____ _ 
 
Advances on Cotton -- _____ - _ Adtvieasnc_e_s _o_n__O_t_h_e_r__C_o_m__m__o_d_i-_ 
Checks for Clearing House_-_ Other Checks and Cash Items Customers' Liability on Let- 
 
__- _____ - 
________ _ __- _____ ________ _ 
 
CCaesrthiifiee~ds CChheecckkss _-_-_-_-_-_-_-_-_-_-_-_- 
Bills Payable -------Notes and Bills Rediscounted_ Certificates of Deposit for 
Borrowed Money _________ _ 
 
333.94 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances ___ - -- - ___ - - - - - -- -- - -- -- - - - - - and Acceptances ---------Overdrafts (if any) _________ --------- Reserve for Interest and taxes Other Assets -- ___ --- __ -- -- _ ________ - Other Liabilities ------------ 
 
Total --------------------$266,983 35 Total __ ----- _- __ -- _- ____ -$266,983 35 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$1n,490 67 Capital Stock Paid In--------$ 30,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
17,673 4,450 
 
99 00 
 
SAumrpt.luRs eFseurnvded__f_o_r__B_r_a_n_c__h_e_s-_ 
 
16,000 00 
 
United States Bonds_________ 4,430 90 Undivided Profits __ ---- ___ -- 15,847 30 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ----------- 
 
Banking House -------- ---- 4,500 00 Due to Banks in this State __ _ 
 
Furniture and Fixtures Other Real Estate Owned____ 
 
2,000 00 500 00 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 27,215 49 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuolrdren_c_y_ _-__--_-_-_-_-_-_-__--_-_-_-_ -_-_-_-_-_ Silver, Nickels, Pennies_____ 
 
1,971 16 _ _5_, 7_5_7_ _ _0 0_ 
 
DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f--D-e-p-o-s-i-t Time Certificates of DeposiL- 
Savings Deposits ----------- 
 
51,828 129,038 
 
48 02 
 
940 35 Trust Funds on Deposit_ ____ _ 
 
Advances on Cotton __ - _____ -_ __-- ____ _ Cashier's Checks - ___ --- ___ - _ 
 
Advances on Other CommodChieticekss f-o-r--C-l-e-a-r-in--g--H-o-u-s-e-_-_-_- 
 
Certified Checks ___ ~ __ - ____ _ 
 
_- _- _-_-_-_-_-_- -_ 
 
Bills Payable ______________ _ Notes and Bills Rediscounted_ 
 
215 76 
 
Other Checks and Cash Items _--- ___ -- Certificates of Deposit for 
 
Customers' Liability on let- 
 
Borrowed Money ---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaft-s__(-if--a-n_y_)__-_-_-_-_-_-_-_-_-_- 
 
-_ -_ -_ _- _- _-_-_- -_ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets -- ___ --- __ ---- ___ -- ____ _ Other Liabilities------------ 
 
Total---------------------$242,929 56 Total---------------------$242,929 56 
 
 12 
 
BANKI~G DEPARTME~T 
 
EXAMINER'S REPORT. 
 
ALBANY TRUST CO. OF GEORGIA, ALBANY. 
 
At Close of Business October 25, 1920. 
 
Fresident-J. S. Davis. Vice-Presidents-S. B. Davis, P. W. Jones. 
 
Sec'y.-Treas.-R. H. Warren. 
 
Directors-J. s. Davis, S. B. Brown, P. W . .Jones, R. H. Warren. C. W. Tift 
 
.J. A. Davis, T. W. Ventulett, S. R. DeJarnette, C. M. Shackelford, A. P. 
 
Vason, vV. B. Haley, E. Stern, T. H. Millner, .J. C. Keaton 
 
C. L. Newman. 
 
Date of Charter-June, 1905. 
 
Began Business-1905. 
 
RESOURCES 
 
LIABILITIES 
 
DTeimmeanLdoLanosan_s____-_------------_-_-_-_-_._$ _-_-_-_-_-_--- -_-- 
 
Capital Stock Paid In ________ $100,000 00 Am t. Reserved for Branches__ ______ --- 
 
Loans Secured by Real Estate 156,582 32 Surplus Fund-------------- --------United States Bond __ - __ - __ -- - _------- Undivided Profits ----------- 33,919 23 Other Stocks and Bonds ______ --------- Dividends Unpaid ----------- --------- 
 
Banking House------------- 12,232 15 Due to Banks in this State ___ --------- 
 
Furniture and Fixtuers______ Other Real Estate Owned ____ 
 
3,738 79 --------- 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_te_s_ 
 
_______________--_ 
 
Due from Banks in this State Due from Banks in other 
CGuoSlrdtraetn_ec_sy___-__-___-__-__-_--_--_--,-_---_--_--_--_--_--_--_--_--_--_ 
Silver, nickels, pennies______ Advances on Cotton _________ A~v.ances on Other Commod- 
 
4,836 45 IndCihveicdkual__D__e_p_o_s_it_s__S_u_b_j_e_c_t_t_o_ 
 
--_--_--_--__--_--_--_-_--_ 33 42 
 
Demand Certificates of Deposit 
Time Certificates of Deposit._ TSarvuisntgFs uDndespoosnitsDe-p-o--s-it--_-_-_-_-_ 
 
--------- Cashier's Checks ____________ 
 
Certified Checks ____________ 
 
_______ . _ 
________ _ 
23,254 48 _1_0_,7__4_9__42_ _ _______ _ _ _______ _ 
 
ChIeticekss f-o-r--C-l-e-a-r-i-n-g--H-o-u--se--._-_- 
 
_- _- _-_-_-_-_-_- -_ 
 
Bills Payable --------------Notes and Bills Rediscounted 
 
9,500 00 ______ - _- 
 
Other Checks and Cash Items Customers' Liability on let- 
 
------- _- 
 
CeBrtoirfricoawteesd Moof neDy e_p_o_s_i_t__f_o_r_ 
 
________ _ 
 
ters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- -) _- ---- --_- -- ------_- 
 
_- _- _-_-_-_-_-_- -_ 
 
L iaanbdi l iAt yc coenp tLa ne ct teesr s_ _o_f_ _C_r_e_d_i_t Reserve for Interest and Taxes 
 
_ _______ _ ________ _ 
 
Other Assets _-------------- - _------- Other Liabilities------------ --------- 
 
Total --------------------$177,423 13 To taL _______________ ~ ____ $17 7, 42 3 13 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s---_-_-_-_--_-_-_-_-_-_-_-$__15_7_,_9_2_6___05_ Loans Secured by Real Estate --------- 
 
Capital Stock Paid In ________ $100,000 00 SAumrpt.luRs eFseurnvded__f_o_r__B_r_a_n_c_h__e_s_. -2-5-,0-0-0---0-0 
 
United States Bonds -------- --------- Undivided Profits----------- 15,107 52 
 
Other Stocks and Bonds.----- --------- Dividends Unpaid ----------- --------- 
 
Banking House ------------- 12,232 15 Due to Banks in this State ___ --------- 
 
Furniture and Fixtures._____ Other Real Estate Owned ____ 
 
3,750 79 --------- 
 
CDaulel MtooBneaynk_s_ -i_n__o_th__e_r_S__t_a_te_s_ 
 
-_ -_-_-_-_ _- _- _- -._ 
 
Due from Banks in this State Due from Banks in other 
 
13,076 91 IndCihveidckua_l_D__e_p_o_s_it_s__S_u_b_j_e_c_t_t_o_ ________ _ 
 
States -------------------Currency ------------------- 
 
--------360 00 
 
Demand Certificates of Deposit Time Certificates of Deposit.. 
 
______ - _22,750 00 
 
Gold _________ - -- - - - -- - - - - - - - -- -- - - - _ Savings Deposits ----------- 19,501 30 
 
Silver, nickels, pennies -- ___ - 
 
12 92 Trust Funds on Deposit______ ______ --- 
 
Advances on Cotton _________ Advances on Other Commod- 
 
--------- CCaersthifieierd's CChheeckcsks_-_-_-_-_-_-_-_-_-_-_--- 
 
-- -__-_--- -_------ 
 
ities ________ ---------- _-Checks for Clearing House.__ 
 
-- _- _---________ _ 
 
Bills Payable --------------Notes and Bills Rediscounted 
 
--------5,000 00 
 
Other Checks and Cash Items Customers' Liability on let- 
 
--- _----- 
 
Certificates of Deposit for Borrowed Money __________ 
 
______ --- 
 
ters of Credit and AcceptO vaenrcdersa f t_s__(_i_f _a-n-' y-)- -_-_-_-_-_-_-_-_-_-_ 
Other Assets _-------------- 
 
-_ -_ -_ _- _- _-_-_- -_ --------- 
 
L iaanbdi l iAt yc coenp tLa ne tcteesr s_ _o_f_ _C_r_e_d_i_t OR et hs ee rrvLe ifaobri lIint iteesr e_s_t_a_n_d_ _T_a_ x_ _e_s 
 
_ _______ _ ___-_-_-_-_-_-_--- 
 
Total --------------------$187,358 82 Total --------------------$187,358 82 
 
 1 
 
.. 
iJ 
 
EXAMI:NQ'S B.EPOB.T. 
 
EXCHANGE BANK, ALBANY. 
 
At Close of Business October 25, 1920. 
 
President-S. B. Brown. Vice President-A. W. Muse. Cashier-W. C. Scovill. 
 
Directors-B. B. Brown, A. W. Muse, W. C. Scovill, J. R. Champion, C. R. 
 
Gleaton, E. H. Kalmon, S. B. Liggett, J. D. Pope, R. S. Riley, C. :\1. 
 
Shackelford, C. W. Tift, L. J. Hofmayer. 
 
Date of Charter-December 18, 1890. 
 
Began Business-1893. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$390,832 02 Capital Stock Paid In--------$ 57,200 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
53,200 80 ________ _ 
 
SAumrtp.luRsesFeurvnedd _f_o_r__B_r_a_n_c_h__e_s__ 
 
57,200 00 
 
United States Bonds _________ Other Stocks and Bonds _____ 
 
72,350 00 Undivided Profits __________ _ 59,100 00 Dividends Unpaid __________ _ 
 
58,428 68 
 
Banking House _ _ __ _ _ __ _ _ __ _ _ ____ -- __ Due to Banks in this. State __ _ 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
12,488 92 ________ _ 
 
CDaulel 
 
MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in other 
States ------------------CGuolrdren_c_y__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Silver, nickels, pennies _____ _ Advances on Cotton _________ _ A~vI:t:ie<snce_s__o_n__O__t_h_e-r- C__o_m__m-o- d_-_ 
 
7,365 93 Individual Deposits Subject to 
 
24,051 87 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f--D-e-p-o-s-i-t 414,578 85 
 
8,286 00 Time Certificates of Deposit__ 72 50 Saving5 Deposits __________ _ 46,928 54 
 
3,434 43 Trust Funds on DeposiL ____ _ 
 
17,502 82 CCaersthifiieerd's CChheecckkss -_-_-__-_-_-_-_-_-_-_--_ ____ ---- _ Bills Payable ______________ _ 
 
2,280 17 21 30 
 
Checks for Clearing House __ _ Other Checks and Cash Items Customers' Liability on Let- 
atenrcsesof__C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t_- 
Overdrafts (if any) __________ 
 
6,850 44 Notes and Bills Rediscounted 
 
9,284 63 Certificates of Deposit for 
 
Borrowed Money ---------- 
 
________ _ 26,014 14 
 
Liability on Letters of Credit, and Acceptances ---------- 
Reserve for Interest and Taxes 
 
65,815 00 
 
Other Assets --------------- 11,618 34 Other Liabilities ------------ 
 
Total --------------------$702,452 54 Total --------------------$702,452 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$382,061 70 Capital Stock Paid In--------$ 57,200 00 
 
Demand Loans ------------- 52,060 80 Amt. Reserved for Branches_ --------- 
 
Loans Secured by Real Estate 15,000 00 Surplus Fund -------------- 57,200 00 
 
United States Bonds _________ Other Stocks and Bonds _____ 
 
63,196 59,100 
 
00 00 
 
DUnivididiveniddesdUPnrpoafiitds _---_-__-_-_--- -__--- 
 
_5_7_,4__4_7__61_ 
 
Banking House _--------- _-- --------- Due to Banks in this State __ --------- 
 
Furniture and Fixtures __ - ___ Other Real Estate. Owned____ 
 
12,488 92 ________ _ 
 
CDaulel 
 
Mt ooBn eayn k_s_ _i_n_ _o_t _h_e_r_ S_ _t _a_t e_s_ 
 
-_______________ -_ 
 
Due from Banks in this State 34,200 76 Individual Deposits Subject to 
 
Due from Banks in other 
States -------------------CG uo lrdr e n_c_y_ _-_-_-_-_-_-_-_ -_ -_ -_ -_ _- _- _- _- _- _- _- -_ 
Silver, nickels, pennies _____ _ Advances on Cotton _-- __ - __ A~'vt.iaensce_s_ _o_n_ _O_ _t h_ _e_r _ _C_o_m_ _m_o_d_ -_ 
Checks for Clearing House ___ 
 
Check -------------------- 299,749 84 
 
37,841 76 Demand Certificates of Deposit --------- 
 
17,503 00 Time Certificates of Deposit__ --------- 
 
2 50 Savings Deposits ___________ 185,823 12 
 
3,302 65 Trust Funds on Deposit_ _____ 
 
17,854 
 
27 
 
Cashier's Checks Certified Checks 
 
___________ _ ___________ _ 
 
________ _ Bills Payable --------------- 
 
10,241 79 Notes and Bills Rediscounted 
 
--------993 85 229 05 
--------95,915 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
1,066 
 
45 
 
Certificates of Deposit for Borrowed Money __________ 
 
_. ______ _ 
 
ters of Credit and Acceptances -- __ - __ ------------- 
 
Liability on Letters of Credit'  --------- and Acceptances _._ ________ ________ _ 
 
Overdrafts (if any)--------- 48,637 87 Reserve for Interest and Taxes ________ - 
 
Other Assets ___ ------ ------ ----- _--- Other Liabilities---''--------- --------- 
 
Total --------------------$754,558 47 Total --------------------$754,558 47 
 
 / 
 
14 
 
EXAMIN.B'S BEPOB'l'. 
 
FARKAS TRUST CO., ALBANY. 
 
At Close of Business October 26. 1920. 
 
President-Leonard Farkas. Vice-President-Mack Farkas. Cashier-B. vV. Simon. 
 
Directors-Leonard Farkas, Mack Farkas, Paul Farkas, Joe A. Meyer, B. W. 
 
Simon. 
 
Date of Charter-October 11, 1917. 
 
Began Business-October 11, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$175,587 61 Capital Stock Paid In ________ $100,000 00 
 
Demand Loans ------------- 1,500 00 Amt. Reserved for Branc11es. ________ _ Loans Secured by Real Estate ________ _ Surplus Fund -------------- 8,218 64 
 
United States Bonds -------Other Stocks and Bonds _____ Banking House _____________ 
 
--------- Undivided Profits ----------- 
 
________ _ ________ _ 
 
Dividends Unpaid----------Due to Banks in this State __ 
 
45,649 59 ----------------- 
 
Furniture and Fixtures ______ 
 
72 10 Due to Banks in other States _______ -- 
 
Other Real Estate Owned.___ ________ _ Call Money----------------- --------- 
 
Due from Banks in this State 1,018 58 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check - __ - - - - __ - - - - - _- -- - _- - _- __ - - 
 
CuSrtraetnecsy --_-_-_-_-__-_--__--_-__--_-__--_-_-_ -_ 
 
-_ -_ -_ _- _-_-_-_- -_ 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
_______ - . 7,209 25 
 
Gold --- _----- __ --- ___ ----- _ -- __ ---- _ Savings Deposits _--- ___ -- __ ________ _ Silver, nickels, pennies ______ ________ _ Trust Funds on Deposit______ 1,300 81 Advances on Cotton ___ -- ____ ______ - __ Cashier's Checks __ - _____ ____ ________ _ 
 
Aditviaensce_s__o_n__O__th__e_r _C__o_m__m_o_d_-_ 
Checks for Clearing House___ Other Checks and Cash Items Customers' Liability on Let- 
 
Certified Checks ____________ ________ _ Bills Payable--------------________ _ Notes and Bills Rediscoutned ______ - __ Certificates of Deposit for 
Borrowed Money __________ 
 
________ _ 15,800 00 --------- 
________ _ 
 
ters of Credit and Acceptances __ --- _... _-- ... - ...... --............ 
 
... ...... ------ 
 
LiaanbdiliAtyccoenptLaentcteesrs _o-f_C__re_d_i_t_ 
 
________ _ 
 
OOvt heerrd rAa fstsse t(si f_a_n_ _y_)_ -_ -_-_-_-_-_-_-_-_ 
 
_- -_ _- _-_-_-_-_- -_ 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
________ _ --------- 
 
Total --------------------$178,178 29 
 
Total _____________________ $i78,178 29 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$176,696 11 Capital Stock Paid In ....... $100,000 00 
 
Demand Loans __ ----------- --------- Amt. Received for Branches. --------- 
 
Loans Secured by Real Estate --- __ ---- Surplus Fund -------------- 8,218 64 
 
United States Bonds-------- --------- Undivided Profits ----------- 45,248 83 
 
Other Stocks and Bonds----- --------- Dividends Unpaid ---------- --------- 
 
Banking House _---- __ -- ____ - ____ ---- Due to Banks in this State __ --------- 
 
Furniture and Fixtures______ 
 
72 10 Due to Banks in other States _______ - _ 
 
Other Real Estate Owned.-__ --------- Call Money _- _____ -- ____ ---- _--- ___ -- 
 
Due from Banks in this State 
 
607 32 Individual Deposits Subject to 
 
Due from Banks in other 
 
States ------------------- 
 
CG 
 
uo 
 
lrdre 
 
n_c_y_ 
 
_ 
 
_ 
 
_-_-_-_-_-_- 
 
-- 
 
-- 
 
-- 
 
-__-_- 
 
-- 
 
-- 
 
-__- 
 
- 
~ 
 
-_ 
 
Silver, nickels, pennies ______ 
 
--------____3_02-- 0__0 ________ _ 
 
Check -------- _- --------Demand Certificates of Deposit Time Certificates of Deposit. 
Savings Deposits ----------Trust Funds on Deposit _- ___ 
 
--------1,300 81 7,109 25 
--------_.. ____ -- 
 
Advances on Cotton _________ A di tviaensc e_s_ _o_n_ _O_ _t h_ _e_r _ _C_o_m_ _m_o_d_-_ 
Checks for Clearing House __ Other Checks and Cash Items 
 
--------- CCearsthifiieerd's CChheecckkss ____-_-_--_-_____-_-_-_ ________ _ Bills Payable -------------________ _ Notes and Bills Rediscounted ________ _ Certificates of Deposit for 
 
-_-_-_-_-____..-.-. 15,800 00 _-------- 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
atenrcsesof... _C...r...e...d...i...t.....a. _n_d__A__c..c...e...p. _t_- 
 
... _______ _ 
 
Liability on Letters of Credit and Acceptances - _______ __ 
 
_---- __ -- 
 
Overdrafts (if any)_---___ Other Assets ____ ___________ 
 
- ____ - __ _ ________ _ 
 
Reserve for Interest and Taxes Other Liabilities ____ ____ ___ 
 
--------. _-- ____ -- 
 
Total --------------------$177,677 53 Total --------------------$177,677 53 
 
 \ 
 
\ 
 
\ 
FIRST ~NNUAL REPORT 
 
15 
 
EXAMINEB.'S B.EPOB.'l'. 
 
GEORGIA BANK & TRUST CO., ALBANY. 
 
At Close of Business Octo\)er 23, 1920. 
 
President-F. F. Putney. Vice-Presidents-J. s. Farnum, E. B. Young. 
 
Cashier-W. F. Jefferson. 
 
Directors-F. F. Putney, J. S. Farnum, E. B. Young, W. F. Jefferson, C. C. 
 
Anthony, C. E. Fryer, P. J. Edgerly, G. E. Reynolds, T. W. Ventulette, 
 
Mack Farkas, J. A. Meyer, E. E. wetherbee, J. C. Fulford, 
 
A. W. Barnett. 
 
Date of Charter-June 8, 1916. 
 
Began Business-1916. 
 
RESOLJRCES 
 
LIABILITIES 
 
Time Lo!ns ----------------$526,428 58 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 23,729 09 Am t. Reserved for Branches_ __- _----- 
 
Loans Secured by Real Estate 82,579 22 Surplus Fund -------------- 20,000 00 
 
United States Bonds-_______ 33,000 00 Undivided Profits----------- 9,121 74 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid __________ _-------Banking House _____________ ________ _ Due to Banks in this State __ 27,132 10 
 
Furniture and Fixtures______ Other Real Estate Owned ____ 
 
5,977 00 --------- 
 
CDaulel tMo oBneaynk_s__i_n__o_t_h_e_r_S__ta__te_s_ 
 
_5_0_,0_0_0___00_ 
 
Due from Banks in this State 17,853 88 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------- 179,589 49 
 
States--------------------- 23,073 35 Demand Certificates of Deposit _-- _-- _-- 
 
GCoulrdren_c_y____-_-_------__-_------------__----- -_ 
 
7, 731 00 Time Certificates of Deposit_ 30,731 24 680 00 Savings Deposits ----------- 119,628 57 
 
Silver, nickels, pennies _____ _ Advances on Cotton _- _-- __ - _ 
 
3,016 54 ________ _ 
 
CTarushsiteFr'us nCdhseocnksD_e__p_o_s_i_t_-_-_-_--_ 
 
--------738 70 
 
A'!Ivti.easnce_s_ _o_n_ _O__th__e_r_ _C_o_m_ _m_ o_d_ _- 
 
_ _______ _ 
 
Certified Checks_-----------Bills Payable--------------- 
 
343 175,000 
 
11 00 
 
Checks for Clearing House__ 10,237 27 Notes and Bills Rediscounted 27,801 50 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
2, 732 
 
92 
 
Certificates Borrowed 
 
of Deposit for Money__________ 
 
________ _ 
 
at enrcse so f_ _C_r_e_d_ _i t_ _a-n-d- -A- -c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances -- __ - _-- __ 
 
__- _-- _-- 
 
Overdrafts (if any) ----- __ - _ ________ _ Reserve for Interest and Taxes ________ _ Other Assets ______________ _ 3,047 60 Other Liabilities------------ --------- 
 
Total --------------------$740,086 45 Total --------------------$740,086 45 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans-----------------$478,416 65 Capital Stock Paid In ________ $100,000 00 Demand Loan~-_____________ 20,651 33 Amt. Reserved for Branches_ ________ _ Loans Secured by Real Estate 80,000 00 Surplus Fund -------------- 20,000 00 UOnthiteerdSStotcaktessanBdoBndonsd--s-_-_--_-_-_ _3_3_,0_0_0__0_0_ DUinvdiidveinddesd UPnropafiidts_-_-_-_-_-_--_-_-_-_-_ _1_3_,5__0_5__31_ 
 
Banking House------------- --------- Due to Banks in this State __ 19,738 06 OFuthrnerituRreealaEndstaFtiextuOrwesn_e_d________ __6_,8_7_7__0_0_ CDaulel tMo oBtlaeynk_s__i_n__o_t_h_e_r_S__ta_t_e_s_ -_-_-_-_-_-__-_--_ 
 
Due from Banks in this State 16,614 22 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------- 169,491 40 
 
States--------------------- 43,90109 DemandCertificatesofDeposit --------- 
 
Currency ------------------- 12,127 00 Time Certificates of Deposit_ 91,968 34 
 
Gold ----------------------- 
 
580 00 Savings Deposits------------ 107,577 30 
 
Silver, nickels, pennies------ 3,681 67 Trust Funds on Deposit----- --------- 
 
AAddvvaanncceess oonn COothtteor nC--o-m--m-o--d-- --------- CCearsthifiieerd's CChheeckcsk_s_-_-_-_-_-_-_-_-_-_-_--_ 
 
1,515 26 229 10 
 
!ties - __ - _----- ________ _ ___________ Bills Payable - __ - _____ -- _- __ 175,000 00 
 
Checks for Clearing House___ 7,118 11 Notes and Bills Rediscounted 10,000 00 
 
Other Checks and Cash Items 6,057 70 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _______ - __ ________ _ 
 
atenrcsesof_-C- r_e_d- i_t__a_n_d__A__c_c_e_p_t_- _________ LiaanbdilitAycocenpLtaentcteesrs_-o_f_ C- _r_e-d_i_t __- __ - __ - 
 
Overdrafts (if any) --------- --------- Reserve for Interest and Taxes --------Other Assets---------------- --------- Other Liabilities------------ --------- 
 
Total --------------------$709,024 77 Total---------------------$709,024 77 
 
' 
 
 r 
 
/ 
 
16 
 
BANKING DEP__tRTMENT 
 
EX:AliiiiJr:Ji'B'S BEPOBT. 
 
UNION BANKING CO., ALAMO. 
At Close of Business August 10, 1920. 
 
President-L. 0. Benton. Vice-President-,-J. A. Hinson. Cashier-D. W. Watson. 
 
Directors-L. 0. Benton, J. A. Hinson, D. W. Watson, I. Idelson, J. M. Clements. 
 
Date of Charter-November 20, 1919. 
 
Began Business-November 1, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ............ $34,159 85 Capital Stock Paid In ......... $15,000 00 
 
Demand Loans............... Loans Secured by Real Estate United States Bonds .... _.... Other Stocks and Bonds ..... Banking House.............. . 
 
600 00 Amt. Reserved for Branches.. '"-------- 
 
1,457 96 
 
Surplus Fund.. - ............. Undivided Profits------- .... . 
 
_.. 
 
. 8 
 
__ 8 
 
5_2 
 
Dividends Unpaid .......... .. 
 
Due to Banks in this State .. . 
 
Furniture and Fixtures...... . 
 
Due to Banks in other States. 
 
Other Real Estate Owned.... . Due from Banks in this State. 
 
9,238 
 
85 
 
Call Money-----------------Individual Deposits Subject to 
 
Due from Banks in other States 
 
Check ................. 12,111 48 
 
Currency ------- 1,406 00 Demand Certificates of Deposit 
 
Gold -------------------- Silver, nickels, pennies ...... . Advances on Cotton ......... _ 
 
30 00 Time Certificates of Deposit . 2,605 00 3.55 37 Savings Deposits ............ . 
Trust Funds on Deposit .... .. 
 
Advances on other Commodi- 
 
Cashier's Checks .. .... .. ..... 159 75 
 
ties ---------- ------ Certified Checks.... _.. _. 
 
Checks for Clearing House .... 152 24 Bills Payable ................ 20,000 00 
 
Other Checks and Cash Items 
 
368 btl Notes and Bills Rediscounted. 
 
Customers' Liability on Let- 
 
Certificates of Deposit for Bor- 
 
atnecress .o.f..C..r.e.d.it_. a_n__d__A__c_c_e_p_t-_ 
 
rowed Money ............ .. Liability on Letters of Credit 
 
Overdrafts (if any) ..... _.. _. 304 69 and Acceptances --- 
 
Other Assets --------------- 1,891 89. Reserve for Interest and Taxes 
 
- - - - Other Liabilities------------- 
 
Total------$49,964 75 Total.--------------$49,964 75 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$29,940 63 Capital Stock Paid In . _.. _... $15,000 00 
 
Demand Loans -------------- 1,541 36 Amt. Reserved for Branches.. 
 
Loans Secured by Real Estate 
 
Surplus Fund --------------- 
 
United States Bonds __ ._______ 1,457 96 Undivided Profits .... _.... _.. 
 
Other Stocks and Bonds  __ -. _ 
 
Dividends Unpaid........... . 
 
Banking House ............. _ 
 
Due to Banks in this State .. _ 
 
Furniture and Fixtures.... - .. 
 
Due to Banks in other States. 
 
Other Real Estate Owned ____ _ 
 
Call Money------------------ 2,500 00 
 
Due from Banks in this State. 329 56 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check_________ ....... 6,629 89 
 
C uSrtraetnecs y. ._-_-_ _-_-__ _.-.-.--.-.-.-.-.-.-.-.-. 
 
Demand Certificates of Deposit 1,919 00 Time Certificates of Deposit._ 
 
3,006 75 
 
Gold ---------------------Silver, nickels, pennies ..... _ Advances on Cotton _. ____ ... _ 
 
57 50 Savings Deposits .......... .. 425 93 Trust Funds on Deposit .... .. 
Cashier's Checks ........ _.. .. 
 
Advances on Other Commod- 
 
Certified Checks...... _... _.. . 
 
ities ..................... . 
 
Bills Payable ................ 10,000 00 
 
Checks for Clearing House. _ 
 
Notes and Bills Rediscounted. 
 
Other Checks and Cash Items. 
 
Certificates of Deposit for Bor- 
 
Cu&tomers' Liability on Let- 
 
rowed Money ....... _...... 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- -(-i-f-a-n- -y-)- -__- -. .- -_-. .- -_-. -. 
 
and Acceptances .. _.. __ ... Reserve for Interest and Tax,es 
 
Other Assete --------- 1,525 00, Other Liabilities~-----------Profit and Loss-------------- 728 06 
 
Total-----------------------$37,925 00 Total. ......................$37,925 00 
 
 \ 
 
FIRST ANNUAL REPORT 
 
17 
 
B:XAMI:NBB.'S B.BPOB.'l'. 
 
THE ALMA STATE BANK, ALMA. 
 
At Close of Business September 22, 1920. 
 
President-E. C. Strickland. Vice-President-C. L. Sibley. Cashier-G. M. Swajn. 
 
Directors-E. C. Strickland, A. M. Swift, C. L. Sibley, J. E. Pirkle, I. F. Taylor. 
 
Date of Charter-April 1, 1920. 
 
Began Business-February 26, 1919.  
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$109,080 76 Capital Stock Paid In _____ ---$ 15,000 00 
 
DLoeamnasnSd ecLuoraends by--R--e-a-l-E--s-t-a-te- ____2_5_5__00_ SAumrpt.luRs eFseurnvded __fo__r__B_r_a_n_c_h__es_ 2,500 00 
 
United States Bonds________ 1,600 00 Undivided Profits _______ --- 
 
Other Stocks and Bonds_____ ________ _ Dividends Unpaid _______ - _- 
 
Banking House ____ - ________ ________ _ Due to Banks in this State __ 
 
Furniture and Fixtures_____ 4,060 77 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- 21,000 00 
 
Due from Banks in this State 
 
485 31 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuo rl dr e n c_y_ _ _ _- _- _- _- _- -_ _- -_ -_ -_ -_ -_-_-_-_-_-_-_ 
 
10,768 66 __4_,_6_4_3__00_ 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of DeposiL Savings Deposits ________ --- 
 
63,772 38 1,500 00 
18,510 68 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on Other CommodiChieticekss -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
 
454 28 Trust Funds on DeposiL _- _- 
 
91 
 
28 
 
Cashier's Checks __________ _ Certified Checks ___________ _ 
 
--------- Bills Payable _____________ _ 
 
2,040 70 Notes and Bills Rediscounted 
 
976 18 15,000 00 
 
Cther Checks and Cash Items Customer's Liability on Let- 
 
129 40 Certificates of Deposit for Borrowed Money ______ - __ 
 
ttaenrscesof _C_r_e_d_i_t_ _a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Overdrafts (if any) _______ _ 1,229 52 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities __________ _ 
 
DPreopfoitsitaonrds' LGousasr_a_n_t_e_e___F_u_n_d___ 
 
2, 739 15 394 78 
 
Cash Short ----------------- 
 
286 63 
 
Total---------------------$138,259 24 Total---------------------$138,259 24 
 
BANK'S STATEMENT at Close of Business December 15, '1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 81,545 68 Capital Stock Paid In ________ $ 15,000 00 
 
Demand Loans ____ ------- __ 
 
Amt. Reserved for Branches 
 
Loans Secured by Real Estate 15,253 36 Surplus Fund -------------- 2,500 00 
 
United States Bonds _______ _ 
 
600 00 Undivided Profits ______ --- _ 
 
115 72 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid .. _______ _ 
 
BFuanrnkiitnugreHaonudse F-ix--tu--re--s-_-_-__--_ Other Real Estate Owned __ _ 
 
Due to Banks in this State __ 4,100 00 DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 11,500 00 
 
Due from Banks in this State 1,267 75 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuo lrdr e n c_y_ _ _ _- _- _-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
4,573 57 DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 2,971 00 Time Certificates of DeposiL 
20 00 Savings Deposits ----------- 
 
52,980 53 22,836 68 
 
Silver, Nickels, Pennies ____ _ 1,009 62 Trust Funds on DeposiL---Advances on Cotton ________ _ 1,564 55 Cashier's Checks ----------- 1,258 93 
 
Advances on Other Commodi- 
 
Certified Checks ------------ 
 
Chteiceks s -f-o-r--C-l-e-a-r-i-n-g--H-o--u-s-e-_-_ 
 
Bills Payable -------------- 10,000 00 1,431 36 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
599 47 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -- _- _---- 1,500 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -_-_-_-_ _-_-_- -_ Other Assets -------------. 
 
and Acceptances _____ ---- 
 
16 35 2, 739 15 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total---------------------$117,691 86 TotaL-=------------------$117,691 86 
 
 18 
 
BANKI~G DEPARTMENT 
 
EXAMINEB.'S BEPOBT 
 
THE. ALPHARETTA BANK, ALPHARETTA. 
 
At Close of Business November 5,. 1919. 
 
Ptesident-I. 0. Teasley. Vice-President-R. C. Nesbit. Cashier-F. L. Williams. 
 
Directors-!. 0. Teasley, J. H. Cowart, R. C. Nesbit, R. L. Bagwell, J. I. Teasley. 
 
Date of Charter-November 29, 1918. 
 
Began Business-Noverruber 30, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 
Demand Loans ------------Loans Secured by Real Estate 
 
64,825 9,373 
 
45 63 
 
Capital Stock Paid In ________ $ 15,000 ASumrtp.luRs esFeruvnedd __fo__r__B_r_a_n_c_h__es_ 
 
00 
 
United States Bonds _______ _ 
 
450 00 Undivided Profits _________ _ 33,719 34 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid .. _______ _ 
 
Banking House ___________ _ 
 
Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned __ _ Due from Banks ___________ _ 
Due from Banks in other 
States ------------------CAadsvha n c-e-s- -o-n- -C- -o-t t-o-n- -_-_-_ -_ _- _-_-_- -_ Advances on Other Commodi- 
ities ____ ---- - - -- - - - - -- - - Checks for Clearing House __ Other Checks and Cash Items 
 
1,670 40 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
5,903 73 Individual Deposits Subject to 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 649 46 Time Certificates of Deposit- 
Savings Deposits ----------Trust Funds on Deposit- ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
 
12,433 09 27,594 73 
69 22 24,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ttaenrscesof __C-r-e-d_i_t __a_n_d__A- _c_c_e_p_OO tvheerrd rAa fstsse t(si f_ _a_n_y_)_ _ _-_-_-_-_-_-_- -_ 
 
Certificates of Deposit for Borrowed Money --------- 
443 71 Liability on Letters of Credit and Acceptances ________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total---------------------$ 83,316 38 Total---------------------$ 83,316 38 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______ ---- _____ -$ Demand Loans ____________ _ 
 
55,431 8,601 
 
14 76 
 
Capital Stock Paid In ________ $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds- ______ _ Other Stocks and Bonds ____ _ Banking House ___________ _ 
 
Surplus Fund-------------450 00 Undivided Profits __ -------- 
Dividends Unpaid .. _- __ ---Due to Banks in this State __ 
 
3,489 11 
 
Furniture and Fixtures ____ _ 1,670 40 Due to Banks in other States 
 
Other Real Estate Owned __ _ 
 
Call Money ____ ------------ 
 
Due from Banks in this State Due from Banks in other 
States ------------------CGuolrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton ------ __ A~v!'nces on Other Commodi- 
Ities ____ ----- _----------Checks for Clearing House __ 
 
1,820 69 Individual Deposits Subject to 
68 45 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 879 00 Time Certificates of Deposit242 50 Savings Deposits ----------- 
84 18 Trust Funds on Deposit----1,270 56 Cashier's Checks ----------- 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted 
 
10,306 00 21,975 42 
1,000 00 18,800 00 
 
Other Checks and Cash Items 
 
51 85 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-------- 
 
ttaenrscesof _C__r_e_d_i_t __a_n_d__A__c_c_e_p_Overdrafts (if any) ________ _ 
 
Liability on Letters of Credit and Acceptances --------- 
Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities----------- 
 
Total---------------------$ 70,570 53 
 
Total _____________________ $ 70,570 53 
 
 FmsT ANNUAJ, REPORT 
 
19 
 
EXAMINER'S REPORT 
 
THE MILTON COUNTY BANK, ALPHARETTA. 
 
At Close of Business November 5, l 920. 
 
President-G. D. Rucker. Vice-Presidents-I. 0. Teasley, C. E. Maddox. 
 
Cashier-R. D. Manning. 
 
Directors-G. D. Rucker, R. D. Manning, I. 0. Teasley, G. B. Walker, J. H. Manning, C. E. Maddox, J. J. Rucker. 
 
Date of Charter-December 5, 1910. 
 
Began Business-January 26, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
TBiamnekinLgoaHnosus--e--_-_-_-_--_-_-_-_-_-_--_$_ _21_6_,_3_9_6___91_ Demand Loans ------------- 48,401 91 
 
Capital Stock Paid In _______ $ ASumrtp.luRs esFeurnvded __fo__r __B_r_a_n_c_h__es_ 
 
16,000 8,000 
 
00 00 
 
Loans Secured by Real Estate ________ _ Undivided Profits _________ _ 14,063 25 
 
United States Bonds________ 7,700 00 Dividends Unpaid . -------- 
 
Other Stocks and Bonds_____ 3,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned ___ 
 
1,000 00 --------- 
 
CDaulel tMo oBnaenyks__in___o_t_h_e_r__S_t_a_t_es_ 
 
3,000 00 
 
Due from Banks____________ 8,757 74 Individual Deposits Subject to 
 
DuSetatfersom___B__a_n_k_s___in__ _o__th_e_r_ ________ _ DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 60,807 02 
 
CGuo lrdr e n c_y_ _ _ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
 
3,633 68 
 
00 50 
 
Time Certificates Savings Deposits 
 
of Deposi L __________ _ 
 
190,254 
 
60 
 
Silver, Nickels, Pennies ____ _ 1,353 79 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Casher's Checks __ - ________ _ 
 
A~vIt.laensce_s__o_n_ _O_t_h_e_ r_ _C_ o_m__m_ _o_d_i-_ 
 
Certified Checks ___________ _ _ _______ _ Bills Payable _____________ _ 
 
2,123 36 
 
Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
 
614 52 Notes and Bills Rediscounted 167 75 Certificates of Deposit for 
Borrowed Money ______ --- 
 
ttaenrscesof _C__r_e_d_it___a_n_d_ _A_ _c_c_ep_ _- 
Overdrafts (if any)_________ 
Other Assets: Depositors' Guarantee Fund_ 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ______ --- 
 
________ _ Reserve for Interest and Taxes 
 
3,184 90 COatshher LLoinagbil_i_ti_e_s_:___________ _ 
 
30 79 
 
Total---------------------$294,279 02 Total---------------------$294,279 02 
 
BANK'S STATEMENT at Close of Business .December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$202,553 39 Capital Stock Paid In ______ -$ 16,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
20,265 71 20,563 85 
 
SAumrpt.luRs eFseurnvded __fo__r__B_r_a_n_c__h_es_ 
 
8,000 00 
 
United States Bonds-------- --------- Undivided Profits ---------- 10,985 32 
 
OB at hnekri nSgt o cHkosu saen d _ _B_o_n_d_s___________ 
 
__3_,0_0_0___00_ 
 
Dividends Unpaid-------Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned-_- 
 
1,000 00 ____ - ___ _ 
 
CDaulel 
 
tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
12,000 oo 
 
Due from Banks in this State 8,543 42 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------GCoulrdr e n c_y_ _ _ -_ -_ _- _- _- _- _- _- _- _- _- _-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton ______ _ Advances on Other CommodiChieticekss -fo-r---C-l-e-a-r-in-g---H-o-u-s-e-_-_- 
 
6,520 96 9,696 00 
98 50 1,471 30 
282 76 
_- -_-_ -_ _-_-_-_- -_ 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 87,881 73 
 
Time Certificates of Deposit_ 142,231 80 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ 
 
271 09 
 
Bills Payable _____________ _ 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
223 53 CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___fo_ r_ 
 
ttaenrscesof _C__r_e_d_it___a_n_d__A_ _c_c_e_p_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Overdrafts (if any) _________ --------- Reserve for Interest and Taxes 
 
Other Assets: Depositors' Gurarantee Fund 
 
3,184 90 COathsher LLoinagbil_it_i_e_s_:___________ _ 
 
34 38 
 
TotaL _______________ -- __ -$277,404 32 Total---------------------$277,404 32 
 
 20 
 
BANKING DEPARTMENT 
 
EXAMINER'S &EPO&T 
 
CITIZENS BANK. ALSTON. 
 
President-E. S. Martin. Vice-President-H. G. Martin. Cashier-E. S. Martin. 
 
Directors-E. S. Martin, H. G. Martin, J. G. Martin, T. A. Clifton, H. S. Barr, Sr., 
 
J. E. Braswell. 
 
Date of Charter-September 19, 1911. 
 
Began Business-November, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
Loans Secured by Real Estate 
 
49,829 1,065 
 
84 00 
 
Capital Stock Paid In ______ -$ SAumrtp.luRs esFeurvnedd __fo__r__B__ra_n__c_h_es_ 
 
15,000 
 
00 
 
United States Bonds ______ _ Other Stocks and Bonds ____ _ 
 
100 00 UDnivdiidveidnedds PUrnopfiatisd --..--_-_-_-_-__-_--_ 
 
613 22 
 
Banking House ___________ _ 2,500 00 Due to Banks in this State __ 
 
Furniture and I<'ixtures ____ _ Other Real Estate Owned __ _ 
 
2,500 00 DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 4,909 53 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CGuorldrenc_y____-_-_-_-_-_------------- -_---------Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ A~vances on Other Commodi- 
1hes ____ - - - - - - - - - - - - -- - - Checks for Clearing House __ 
 
3,074 82 1,668 00 
70 00 187 14 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ Certified Checks _- _____ - ___ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted 
 
14,075 37 5,870 70 
520 35 30,000 00 
 
Other Checks and Cash Items 
 
175 31 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ttaenrcs esof __C_r_e_d_i_t __a_n_d__A__c_c_e_p_- 
 
LiaanbdilitAycocnepLtaentcteerss _o_f__C_r_e_d_i_t 
 
Overdrafts (if any) ________ _ Other Assets _-------------- 
 
ROethseerrveLfiaobr iIlnittieerses_t_a_n_d__T_a_x__es_ 
 
1,149 00 1,136 93 
 
Total---------------------$ 66,079 64 Total---------------------$ 66,079 64 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 21,716 58 Capital Stock Paid In ______ -$ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
25,738 53 nS.umrtp.luRs esFeruvnedd __fo__r __B_r_a_n_c_h__es_ 
 
United States Bonds- ______ _ 
Other Stocks and Bonds- __ -_ Banking House ____ - _____ - _ Furniture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
100 00 UDnivdiidveidnedds PUrnopfiatisd --..--_-__-_-_-_-_--_ 2,500 00 Due to Banks in this State __ 2,500 00 DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
1,165 04 
 
Due from Banks in this State Due from Banks in other 
 
4,906 01 IndCihveidcukal_D- _e_p_o_s_i_ts__S_u_b_j_e_c_t__to_ 12,955 12 
 
States ------------------CGuo lrdr e n c_y_ _ _ _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
2,516 18 Demand Certificates of Deposit 1,778 00 Time Certificates of DeposiL 
70 00 Savings Deposits ----------- 
 
2,941 81 
 
Cilver, Nickels, Pennies_---_ Advances on Cotton _______ -_ A~v.ances on Other Commodi- 
1hes - - - - - - - - - - - - - - - - -- - - Checks for Clearing House __ 
 
306 01 Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
457 00 Notes and Bills Rediscounted 
 
526 34 30,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ___ - ____ _ 
 
ters of Credit and AccepO vt aenr dcreasf t s- -(-i-f- -a-n-y- -) -- -- -__-_- -- -- --_- 
 
Liability on Letters of Credit and Acceptances ________ _ 
Reserve for Interest and Taxes 
 
Other Assets _______ - ~: __ -- _ 
 
Other Liabilities ----------- 
 
TotaL--------------------$ 62,588 31 TotaL ____________________ $ 62,p88 31 
 
 FIRST ANNUAL REPORT 
 
21 
 
E:XAMINEB'S BEPOBT 
 
BANK OF AMBROSE, AMBROSE. 
At Close of Business July 23, 1920. 
l'resident-vV. H. Hooper. Vice-President-M. C. Jowers. Cashier-T. H. Collins. Directors-W. H. Hooper, M. C. Jowers, Dr. A. Hooper, Dennis Vickers, T. H. 
Brown, W. M. Carver, Carl Dickerson. Date of Charter-April 5, 1915. 
 
RESOURCES 
 
LIABILITIES 
 
DTeimmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
58,352 2,079 
 
40 08 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
15,000 
 
00 
 
Loans Secured by Real Estate United States Bonds-------- 
 
8,058 82 USunrdpivluidsedFPurnodfi-ts---_-_-__-_-_-_-_-_-_--_ 
 
1,050 34 
 
Other Stocks and Bonds. ___ _ _________ Dividends Unpaid .. _______ _ 
 
Banking House __ - _______ _ 
 
2,600 00 Due to Banks in this State._ 
 
Furniture and Fixtures. ____ _ Other Real Estate Owned __ _ 
 
2,397 350 
 
0606 
 
CDaulel 
 
tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 12,380 05 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
DeCmhaenckdsCer-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 23,833 01 824 00 Time Certificates bf Deposit. 13,224 56 
Savings Deposits_----------- 
 
Silver, Nickels, Pennies. ___ _ Advances on Cotton ________ _ 
 
A~v!"-nces 
1ties _- 
 
_o_n__O__th__er- 
 
_C_o__m_i_n-o_d_i-_ 
 
290 
 
14 
 
Trust Funds on Deposit. ___ _ Cashier'& Checks __________ _ 
 
Certified Checks ___________ _ 
 
506 43 
 
Bills Payable _____________ _ 30,000 00 
 
Checks for Clearing House._ 
 
174 45 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
192 68 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit 
 
O vt aenr dcreasf t s- - (-i-f- -a-n-y-)- -_ -_ _- _-_-_-_-_- -_ Other Assets ______________ _ 
 
and Acceptances _- ______ _ 
Reserve for Interest and Taxes 15 06 Other Liabilities ----------- 
 
4,050 00 
 
TotaL--------------------$ 87,714 34 Total---------------------$ 87,714 34 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s---- -__----_-_---_-_-_-_-_-_$ 
 
26,941 12,156 
 
51 04 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
13,640 80 - 8,058 82 
 
Surplus Fund-------------Undivided Profits ----------- 
 
Other Stocks and Bonds. ___ _ 
 
Dividends Unpaid .. - __ ___ -- 
 
1,271 8.7 
 
Banking House ----------- 
 
2,600 00 Due to Banks in this State  
 
Furnl ture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
2,600 00 DCaulel tMo oBnaenyks__in___o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 8,714 74 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ A~v!"-nces on Other Commodi- 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 3,079 00 Time Certificates of Deposit. 
20 00 Savings Deposits ----------148 40 Trust Funds on Deposit_ ___ _ 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_--- -__--- 
 
21,034 51 5,831 95 
539 63 
 
1ties ___ - - - _- - - -- - - - - - - - - Checks for Clearing House._ 
 
Bills Payable -------------- 31,058 58 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
827 
 
23 
 
Certificates Borrowed 
 
of Deposit for Money ________ - 
 
ters of Credit and AccepO vt aenr dc reasf t s- - -( i-f- -a-n-y- )- -_-_-_-_-_-_ -_ _- -_ 
 
Liability on Letters of Credit and Acceptances ________ _ 
Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities: Liberty Bonds on Deposit. 
 
4,050 on 
 
TotaL--------------------$ 78,786 54 TotaL--------------------$ 78,786 54 
 
 22 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOB'l' 
 
BANK OF COMMERCE, AMERICUS. 
 
At Close of Business November ll. 1920. 
 
President-J. W. Sheffield. Vice-President-Frank Sheffield Cashier-Lee Hudson. 
 
Directors-J. W. Sheffield, Frank Sheffield, Lee Hudson, John Sheffield, Chas. R. Crisp. 
 
Date of Charter-October 13, 1891. 
 
Began Business-January, 1892. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$550,107 36 Capital Stock Paid In _______ $ 65,000 00 
 
Demand Loans -- __ --------- 119,'004 05 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 100,000 00 Surplus Fund -------------- 65,000 oo 
 
United States Bonds and State 
 
Undivided Profits ---------- 77,121 49 
 
of Georgia Bonds -------- 104,138 66 Dividends Unpaid .. -------- --------- 
 
Other Stocks and Bonds _____ 54,752 OU Due to Banks in this State __ --------- 
 
Banking House ___ ---------- 20,000 00 Due to Banks in other States ________ _ 
 
Furniture and Fixtures ----Other Real Estate Owned.__ 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------Gold ---------------------Silver, Nickels, Pennies ----Advances on Cotton _________ A~v.ances on Other Commodi- 
 
--------____ ----96,025 55 
40,005 69 39,212 00 
5,537 50 1,897 52 --------- 
 
Call Money ---------------- --------Individual Deposits Subject to 
 
Check ------------------- 499,354 80 
 
Demand Certificates of Deposit 3,058 59 
 
Time Certificates of DeposiL 252576 35 
 
Savings Deposits ----------- --------- 
 
Trust Funds on Deposit_ ____ --------- 
 
Cashier's Checks ----------- 
 
425 75 
 
Certified Checks ------------ --------Bills Payable ______________ ________ _ 
 
1t1es --------------------- --------- Notes and Bills Rediscounted 165,003 35 Checks for Clearing House__ 3,423 21 Certificates of Deposit for Other Checks and Cash Items 2,380 08 Borrowed Money _________ ________ _ 
 
Customers' Liability on Letters of Credit and Accep- 
 
Liability on Letters of Credit and Acceptances _________ ________ _ 
 
tances ------------------- --------- ReserveforinterestandTaxes --------- 
 
Overdrafts (if any) ------ 
 
363 64 Other Liabilities ----------- iO,OOO 00 
 
Other Assets --------------Transit Accounts __________ 
 
147 70 995 35 
 
Total ------------------$1,137,990 33 Total ------------------$1,137,990 33 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$488,963 16 Capital Stock Paid In _______ $ 65,000 00 
 
Demand Loans ------------- 108,927 75 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 144,762 46 Surplus Fund -------------- 65,000 00 
 
United States Bonds ________ 69,011 54 Undivided Profits ----------- 58,584 26 
 
Other Stocks and Bonds _____ 81,752 00 Dividends Unpaid ---------- 
 
Banking House, Furniture and 
 
Due to Banks in this State __ 1890 45 
 
Fixtures ----------------- 20,000 00 Due to Banks in other States 
 
Other Real Estate Owned ___ --------- Call Money ---------------- 
 
Due from Banks in this State 110,278 03 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check _----- __________ ---- 492,139 95 
 
States ------------------- 94,180 84 Demand Certificates of Deposit 
 
108 59 
 
Currency ------------------ 29,085 00 Time Certificates of DeposiL 233,461 99 
 
Gold ----------------------- 5,422 50 Savings Deposits ----------Silver, Neckels, Pennies_____ 1,927 02 Trust Funds on Deposit_ ___ _ 24,045 38 
 
Advances on Cotton--------- --------- Cashier's Checks ----------- 
 
Advances on Other Commodi- 
 
Certified Checks ------------ 
 
ities ____________ - ________ ____ --- __ Bills Payable -------------- 
 
Checks for Clearing House._ 
 
981 03 Notes and Bills Rediscounted 219,065 36 
 
Other Checks and Cash Items 2,611 02 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit 
 
tances _________ ------- ___  ___ ----- and Acceptances --------- 
 
Overdrafts (if any) _- ____ __ 1,393 63 Reserve for Interest and Taxes 
 
Other Assets _______________ ____ ----- Other Liabilities _______ ---- 
 
Total --------------------$1,159,295 98 
 
Total ------------------$1,159,295 9.8 Total ------------------$1,159,295 98 
 
 FIRST ANNUAL REPORT 
 
23 
 
EXAMINEB.'S B.EPOB.'r 
 
COMMERCIAL CITY BANK, AMERICUS. 
 
At Close of Business November 6, 1920. 
 
President-Crawford \Yheatley. Vice-President and Cashier-Samuel Harrison. 
 
Directors-Crawford \Vheatley, Tanner Harrison, C. T. T. Horn. Harrison, C. T. T. Horn. 
 
Date of Charter-July 23, 1908. 
 
Began Business-August 3, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ _ Demand Loans _-- _________ _ 
 
76,160 97 Capital Stock Paid In _______ $ 50,000 00 6,540 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
20,000 00 Surplus Fund -------------2,500 00 Dividends Unpaid ---------- 
 
2, 710 46 
 
BOathnekrinSgtoHckosusaend___B_o_n_d__s_- ______ __ 
 
Due to Banks in this State __ 25,000 00 Due to Banks in other States 
 
2,531 92 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
5,077 00 Call Money ---------------18,398 69 Individual Deposits Subject to 
 
Due from Banks in this State Due from Banks in other 
 
879 70 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 36,118 76 
 
States ------------------CG uo lrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
1,917 10 1,488 00 
 
TSaimviengCserDtiefpicoastietss o__f _D__e_p_o__si_L_ 
 
13,308 50 
 
40 00 Trust Funds on Deposit_ ___ _ 
 
Sliver, Nickels, Pennies _____ _ Advances on Cotton ________ _ 
 
561 75 Cashier's Checks ------ ____ Certified Checks ------------ 
 
35 00 
 
Advances on Other Commodi- 
 
Bills Payable --------------- 64,800 ou 
 
Chteiecks s -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__- 
 
Notes and Bills Rediscounted 146 76 Certificates of Deposit for 
 
Other Checks and Cash Items 7,112 28 Borrowed Money ----- _--- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accep- 
 
and Acceptances --------- 
 
Ovtaenrdcreasfts--(-i-f -a-n-y--)--_-_-_-_-_-_-_-_-_ 
 
Reserve for Interest and Taxes 1,158 00 Other Liabilities: 
 
Other Assets: 
 
Collections _--- _------- _---- 1,325 86 
 
Profit and Loss-------------- 3,850 25 
 
TotaL ___ -- ____________ -- -$170,830 50 Total---------------------$170,830 50 
 
 BANKING DEPARTMENT 
 
E:X:AMINEB'S BEPOB'l' 
 
PLANTERS BANK, AMERICUS. 
 
President-L. G. Council. Vice-President and Cashier-C. M. Council. 
 
Directors-L. G. Council, C. M. Council, C. J. Lewis, R. J. Perry, C. E. Ansley, 
 
H. S. Council, E. B. Council. 
 
Date of Charter-1891. 
 
Began Business-1892. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosan-s-------- ___-_-_-_-_-_-_-_--_ 
 
791,845 185,628 
 
33 28 
 
Capital Stock Paid In ______ -$ Amt. Reserved for Branches 
 
50,000 00 
 
Loans Secured by Real Estate 300,000 00 United States Bonds _______ _ 53,350 00 
 
USunrdpilvuids edFuPnrdof-it-s---_-_-__-_-_-_-_-_--_ 
 
150,000 90,212 
 
00 57 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid ---------- 
 
Banking House, Furniture and 
 
Due to Banks In this Sate __ _ 52,605 56 
 
OtFhiexrtuRreeasl E--s-ta-t-e--O--w-n-e-d--__-_--_ 
 
21,961 34 6,198 51 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
37,896 68 
 
Due from Banks in this State 32,062 12 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdren_c__y_ ----------_-__-_-_-_----------------- 
 
55,188 
 
23 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
578,320 03 3,023 73 
 
24,335 00 Time Certificates of Deposit- 258,374 64 
 
10,325 00 Savings Deposits ----------- 118,001 74 
 
Silver, Nickels, Pennies __ --- 3,485 AdvanGes on Cotton _______ _ 210,604 Advances on Other Commodi- 
ities ____ - - - - -- - -- - -- -- -- - 
 
14 86 
 
Trust Funds on Deposit_ ___ _ 2,438 75 CCearsthifiieerd's CChheecckkss _-_-_-__-_-_-_-_-_-_--_ Bills Payable _____________ _ 389,000 00 
 
Checks for Clearing House __ 34,143 00 Notes and Bills Rediscounted 
 
Other Checks'and Cash Items 1,779 11 Certificates of Deposit for 
 
Customers' Liability on Letc 
 
Borrowed Money --------- 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit, 
 
O vt aenr dcreasf t s_ -(-i-f - -a-n-y-)- - _- _- _-_-_-_-_- -_ Other Assets ______________ - 
 
and Acceptances ________ _ 
 
74 10,097 
 
99 57 
 
ORethseerrveLfiaobr iIlnittieerses_t_a_n_d__T_a_x__es_ 
 
11,204 78 
 
TotaL ________________ --- -1,741,078 48 TotaL - __________________ $1,7 41,0 78 48 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------1,048,937 r Capital Stock Paid In-------$ 50,000 00 
 
Demand Loans ------------- 188,393 43 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate ---- ____ - Surplus Fund -------------- 150,000 00 
 
United States Bonds ________ Other Stocks and Bonds-____ 
 
36,250 00 ________ _ 
 
DUinvdiidveinddesd 
 
UPnropfaiitds 
 
-_ -- -- -_-- -- -- -_-_-_ 
 
_9_4_,2_6__1__40_ 
 
Banking House ------------- 21,961 34 Due to Banks in this State__ 31,242 67 
 
Furniture and Fixtures __ -_Other Real Estate Owned____ 
 
---- ____ _ 6,198 51 
 
CDaulel 
 
tMo oBnaenyks_ _i_n__o_t_h_e_r__S_ta__te_s_ 
 
___8__0_3__98_ 
 
Due from Banks in this State 24,144 46 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ---------------------Silver, Nickels, Pennies ___ _ 
 
46,645 
 
63 
 
Check -------------------- 643,235 38 Demand Certificates of Deposit 7,789 34 
 
16,763 00 Time Certificates of Deposit_ 278,029 40 
 
10,390 5,815 
 
3000 
 
STarvuisntgFs uDndepsoosintsD-e-p-o-s-it-_-_-_-_-_- 
 
_- -__- _-_-_-_-_- -_ 
 
Advances on Cotton ________ _ 219,587 04 Cashier's Checks ----------- --------- 
 
Advances on Other Commodi- 
 
Certified Checks ------------ --------- 
 
ties __ ------------------- --------- Bills Payable -------------- 379,000 00 
 
Checks for Clearing House __ 5,281 30 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
3,988 13 CeBrtoifrircoawt:eesd MofoneDyep_o_s_i_t__f_o_r_ ________ _ 
 
ttaenrscesof _C__re__d_it__a_n_d___A__cc_e_p__- ________ _ LiaanbdiliAtyccoenptLaentcteesrs_o__f_C_ r-e_d_i_t_, ________ _ 
 
Overdrafts (if any) _______ _ Other Assets _______________ 
 
_ _ _ _ _ _7_ _03_ 
 
Reserve for Interest and Taxes Other Liabill ties ___________ 
 
________ _ ________ _ 
 
Total -------------------$1,634,362 17 Total -------------------$1,634,362 17 
 
 FIRST ANNUAL REPORT 
 
25 
 
EXAMINEB.'S BEPOB'r. 
 
BANK OF APALAOHEE, APALAOHEE. 
 
At Close of Business July 27, 1920. 
 
President-H. W. Wallace. Vice-President-H. R. Shockley. Cashier-N. F. Travis. 
 
Directors-H. W. Wallace, R. R. Shockley, B. A. Shockley, C. A. Kimbrough, 
 
Wm. Stovall, H. A. Davis, W. F. Travis. 
 
Date of Charter-August 26. 1919. 
 
Began Business-September 24, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
 
72,785 6, 776 
 
Loans Secured by Real Estate 1,650 
 
67 26 00 
 
Capital Stock Paid In-------$ SAumrtp.luRs esFeruvnedd __fo__r__B_r_a_n_c__h_es_ 
 
25,000 
 
00 
 
United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ 
 
4,905 00 UDnivdiidveidnedds PUrnopfiatisd --_-_-_-_-_-_-_-_-_-_ 4,328 96 Due to Banks in this State __ 
 
2,548 67 
 
~~~~;t~~~la~~~~f~t~~~eci ==== 1,997 20 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a-te__s 
 
Due from Banks in this State 
 
462 20 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG oulrdr e n c_y_ _ _ _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_-_- -_ 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 22,696 81 574 00 STaimviengCserDtiefpicoastietss o_f__D__e_p_o__si_t._ 9,345 00 
 
Silver, Nickels, Pennies. ___ _ Advances on Cotton. _______ _ 
 
479 
 
77 
 
Trust Funds on Deposit. ___ _ Cashier's Checks __________ _ 
 
Advances on Other CommodiChteiecsks f-o-r--C--l-e-a-r-in-g---H-o-u--se--__- 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
3 19 35,000 00 
 
51 23 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
13 50 CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___f_or_ 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit, 
 
Ovtaenrdcreasfts--(-i-f--a-n-y-)---_-- -_-__-_-_--_ 
 
and Acceptances ---------520 87 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
49 01 Other Liabilities----------- 
 
TotaL--------------------$ 94,593 67 TotaL--------------------$ 94,593 67 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans - ______ - - - - _- ___ $ 55,147 42 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ____ - __ - ____ _ 9,171 79 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 3,468 97 Surplus Fund-------------- 
 
United States Bonds _______ _ 
 
Undivided Profits ----------- 1,728 62 
 
Other Stocks and Bonds ____ _ Banking House ____ - _______ _ 
 
4,905 00 Dividends Unpaid ---------4,328 96 Due to Banks in this State._ 
 
Furniture and Fixtures. ____ _ Other Real Estate Owned ___ _ 
 
1,997 20 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 6,172 62 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdrenc_y~-- -__-_-_-_-_-_-_------_-_-_-__-_-_--_ 
 
DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 24,418 05 1,225 00 Time Certificates of Deposit. 9,020 00 
Savings Deposits __ ------ __ _ 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton._- _____ _ 
 
610 
 
51 
 
Trust Funds on Deposit. ___ _ Cashier's Creeks __________ _ 
 
214 60 
 
Advances on Other CommodiChteiecsks -fo--r -C--l-e-a-r-in-g---H-o-u--s-e-_-_ 
 
CBeilrltsifiePdayCahbelecks________-_-_-_-_-_-_____ __ 30,000 00 3,183 35 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
30 00 
 
Certificates Borrowed 
 
of Deposit for Money __ - _____ _ 
 
ters of Credit and Accep- 
 
Liability on Letters of Credit, 
 
O vt aenr dcreasf t s- -(-i-f- -a-n-y-)- - -_-_-_ _- _-_-_- -_ Other Assets --------------- 
 
and Acceptances ---------140 45 .Reserve for Interest and Taxes 
Other Liabilities __ - _______ _ 
 
Total.--------------------$ 90,381 27 Total .. -------------------$ 90,381 27 
 
 26 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOB'l'. 
 
BANK OF ARLINGTON, ARLINGTON. 
 
At Close of Business October 28, 1920. 
 
President-W. E. Bostwick. Vice-President-H. H. Bostwick. 
 
Cashier-W. E. Bostwick, Jr. 
 
Directors-W. E. Bostwick, R. H. Bostwick, Y. W. Fudge, J. A. Hightower, J. M. 
Johnson, N. H. Sanders, G. vV. Harrison, C. W. Sirmans, B. W. Fortson. 
 
Date of Charter-Januar~ 17, 1901. 
 
Began Business-1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$226,746 91 Capital Stock Paid In ______ $ 50,000 00 
 
Demand Loans ------------ 12,157 85 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund --------- ____ _ 25,000 00 
 
United States Bonds ------ 20,000 00 Undivided Profits ---------- 23,642 86 Other Stocks and Bonds ____ --------- Dividends Unpaid ___ -- ____ _ 
 
Banking House ------------ 2,000 00 Due to Banks in this State 
 
267 58 
 
Furniture and Fixtures-____ Other Real Estate Owned__ 
 
1,615 00 1,065 73 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S-t-a'-te__s 
 
Due from banks in this State 5,103 31 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------Gold __ -------------------Silver, Nickels, Pennies ____ _ Advances on Cotton _____ _ Adtiveasnce_s__o-n--o-t_h_e-r- _C_o_m__m__o_d_i-_ 
 
7,889 70 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-it- 128,393 74 
 
6,109 00 Time Certificates of DeposiL _ 35,567 77 
 
190 00 Savings Deposits __________ _ 
 
902 40 Trust Funds on Deposi L __ _ 
 
3,181 54 Cashier's Checks _________ _ 
 
904 24 
 
Certified Checks _____ -- ____ _ 
 
_________ . Bills Payable _____ - _-- ____ _ 56,000 00 
 
Checks for Clearing House __ 2,013 07 Notes and Bills Rediscounted 
 
Other checks and cash Items 2,224 65 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---- ___ -- 
 
ters of Credit and Acceptances _________ - ___ ------ 
 
--- _----- LiaanbdilitAy cocneLpteatntecress _o_f__C__re_d__it_, 
 
Overdrafts-(if any) ------- 32,240 29 Reserve for Interest and Taxes Other assets ___________ - _- _-- _----- Other Liabilities ___ ______ _ 3,663 26 
 
Total ---------------------$323,49 45 Total --------------------$323,439 45 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loaqs ----------------$236,070 55 Capital Stock Paid In ______ -$ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
13,675 50 --- _____ _ 
 
Amt. Reserved for Branches Surplus Fund _______ -- ____ _ 
 
25,000 00 
 
United States Bonds-_______ 20,000 00 Undivided Profits ----- _---- 24,224 75 Other Stocks and Bonds-____ ________ _ Dividends Unpaid __ --- __ - _- 
 
Banking House------------- 2,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_- ___ - 1,615 00 Due to Banks in other States Other Real Estate Owned____ 1,065 73 Call Money ________ --- ____ _ 
 
Due from Banks in this State 5,121 91 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG oulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _- _-_-_-_-_- ---_ Silver, Nickels, Pennies- ___ _ 
 
9,028 38 DeCmhaenckd Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 111,929 51 3,234 00 Time Certificates of DeposiL 32,862 77 
195 00 Savings Deposits ----------784 68. Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton and Pea- 
 
Cashier's Checks __ ----- __ - _- 
 
755 73 
 
nuts --------------------- 17,707 58 Certified Checks __ ----- ___ -- 
 
Adtiveasnce_s_ -o_n- _o_t-h-e-r_ _C_o_m__m__o_d_i-_ 
 
__- _____ _ 
 
Bills Payable --------------Notes and Bills Rediscounted 
 
74,000 00 
 
Checks for Clearing House__ ________ _ Certificates of Deposit for 
 
Other Checks and Cash Items 
 
940 94 Borrowed Money _--- __ - _- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
Ovaenrcdersaft_s_ -(-i-f--a-n-y-)-_-_-_-_-_-_-_-_-_- 
 
_- -_ _- _-_-_-_-_- -_ 
 
Reserve for Interest and Taxes Other Liabilities __ ---- _---- 
 
Other Assets --------------- 7,333 49 
 
Total---------------------$318,772 76 Total---------------------$318,772 76 
 
 FIRST ANNUAL HEPORT 
 
27 
 
EXAMINER'S BEPOB'l'. 
 
BANK OF ARNOLDSVILLE, ARNOLDSVILLE. 
 
At Close of Business September 7, 1920. 
 
President-L. C. White. Vice-President-E. W. Martin. Cashier-C. J. Smith. 
 
Directors-L. C. White, E. W. Martin, T. L. Duncan, J. B. Meyer, E. L. Brag, 
 
Nat B. Arnold, L. H. Harris. 
 
Date of Charter-October 13, 1919. 
 
Began Business-September 27, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n-s- - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
60,938 
 
72 
 
Capital Stock Paid In ___ ----$ Amt. Reserved for Branches 
 
15,000 
 
00 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
SUunrdpilvui sd e dF uPnr odf i-t-s- -___ _-_-_-_-_-_-_- _- -_ 
 
447 47 
 
Other Stocks and Bonds ____ _ Banking House _ ___________ _ 
 
Dividends Unpaid _-- _-----4,050 00 Due to Banks in this State_- 
 
Furniture and Fixtures _____ _ 2,099 44 Due to Banks in other States 
 
Other Real Estate Owned- __ _ 
 
Call Money -- _-------------- 33,500 00 
 
Due from Banks in thi:; State 
 
809 07 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_- -_ 
 
1,905 82 DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 586 Oo Time Certificates of DeposiL 15 00 Savings Deposits ----------- 
 
5,350 01 5,944 86 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
 
140 41 Cashier's Checks ----------- 
 
182 02 
 
Certified Check& -----------Bills Payable -------------- 14,537 44 
 
C ht ei ecsk s - -f o- -r - -C-l-e-a-r-i n- g- - -H-o- u- -s-e-_-_ 
 
Notes and Bills Rediscounted 448 80 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c-e_p_t-_ 
 
and Acceptances ------ __ _ Reserve for Interest and Taxes 
 
Overdrafts (if any) _______ _ Other Assets ______________ _ 
 
5,325 28 Other Liabilities ----------2,832 30 
 
Total _____________________ $ 74,961 81 Total---------------------$ 74,961 81 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ___ - ________ _ 
 
44,365 
 
32 
 
Capital Stock Pain In _______ $ 15,000 Amt. Reserved for Branches 
 
00 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ 
Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ 
 
500 00 4,050 00 2,222 40 
 
Surplus Fund-------------- 
Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State_- 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_te_s_ 
 
17,000 00 
 
Due from Banks in this State 1,185 26 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _-_-_-_-_-_-_-_ -_ -_ -_ -_ _- _- _- _- _- _- -_ Silver, Nickels, Pennies- ___ _ Advances on Cotton ____ -- __ _ 
 
Checks -- __ -------------2,103 07 Demand Certificates of Deposit 2,824 00 Time Certificates of DeposiL 
15 00 Savings Deposits ----------335 56 Trust Funds on Deposit_- __ _ 
Cashier's Checks __ --------- 
 
6,553 46 7,077 21 
255 00 
 
Advances on other CommodiChteiecks s -f-o-r--C--l-e-a-ri-n-g---H-o-u--se--__- 
 
Certified Checks ___ --- _----Bills Payable _____ --- _____ _ 15,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- -_ _- _-_-_-_-_-_- -_ 
 
and Acceptances __ - __ --- _ Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities __ --------- 
 
Depositors' Guarantee Fund_ 2,712 30 
 
\Villiams' Mutual Fire Insur- 
 
P r or af ni tc ea nFdu nLdo s s- -_-_-_-_-_-_-_-_-_-_-_ -_ -_ 
 
120 00 452 76 
 
TotaL ____________________ $ 60,885 67 TotaL--------------------$ 60,885 67 
 
 28 
 
BANKING DEPARTJ\IEN' 
 
EXAMINEB'S BEPOB'l' 
ASHBURN BANK, ASHBURN. 
 
At Close of Business September 14, 1920. 
 
President-W. A. Shingler. Vice-President-G. B. Gorday. Cashier-J. S. Johnson. 
 
Directors-W. A. Shingler, G. B. Gorday, J. S. Johnson, N. G. Shingle.r, J. L. 
 
Shingler, M. L. Cantey, R. L. Bettis. 
 
L'ate of Charter-July 3, 1900. 
 
Began Business July 14, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$234,837 lU Capital Stock Paid In _______ $ 50,000 00 Demand Loans ____ - _______ _ 57,987 21 Amt. Reserved for Branches _____ -.- __ 
 
Loans Secured by Real Estate United States Bonds--------- 
Other Stocks and Bonds ____ Banking House -----------Furniture and Fixtures_____ 
 
25,000 00 22,450 00 
--------3,538 02 1,369 24 
 
Surplus Fund -------------Undivided Profits ----------- 
Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
 
20,000 00 37,195 98 
--------2,029 58 
--------- 
 
Other Real Estate Owned ____ --------- Call Money ---------------- --------Due from Banks in this State 9,251 33 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 132,873 63 
 
States ------------------- 21,308 80 Demand Certificates of Deposit --------- 
 
Currency ------------------ 10,698 00 Time Certificates of Deposit_ 71,895 21 
 
GS iollvde r ,- -N- -i -c k- -e-l s-,- -P-e-n- n- -i e-s-_-_-_-_-_- 
 
3,614607 
 
2590 
 
CSaavshiniegrs'sDCephoesciktss 
 
-_-_-_-_-_-_-_-_-_-_ -_ 
 
--------3,010 21 
 
Advances on Cotton _________ ---------Certified Checks------------ --------- 
 
Advances on other Commodi- 
 
Bills Payable -------------- 65,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted 15,121 02 Checks for Clearing House___ 3,068 32 Certificates of DeposiT for Other Checks and Cash Items 4,909 11 Borrowed Money ______ - __ ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances __ - __ -- __ - __ - __ - __ 
 
ances ____ - ___ - _______ ____ ________ - Reserve for Interest and Taxes ___ - __ -- _ 
 
Overdrafts (if any)_________ _________ Other Liabilities ___________ - _______ _ 
 
Other Assets __ -- _-- __ -- _--- --------- 
 
TotaL ___________________ -$398,224 92 TotaL ____________________ $398,224 92 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ____ - ___ - ______ _ 212,014 83 Capital Stock Paid In_-_-- __ $ 50,000 00 
 
Demand Loans -- _---------Demand Loans on Cotton ___ - 
 
34,844 5, 742 
 
0ou0 
 
Amt. Reserved for Branches Surplus Fund - ___ - __ - ___ - __ 
 
20,000 00 
 
Loans Secured by Real Estate 28,771 92 Undivided Profits - _-- _--- _- 38,749 17 
 
United States Bonds _______ _ 22;559 09 Dividends Unpaid ___ - __ -- _- 
 
Other Stocks and Bonds ____ _ 
 
500 00 Due to Banks in this State __ 
 
Banking House ___ --- _-- ___ Furniture and Fixtures _____ _ 
 
3,763 4,536 
 
86 92 
 
Due Call 
 
to Banks in other States Money __________ - _-- __ 
 
Other Real Estate Owned ___ _ - ~------- Individual Deposits Subject to 
 
Due from Banks in this State Due from Banks in other 
 
6,142 04 DeCmhaencdkCe-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
95,617 47 16,300 00 
 
States -------------------CGuorldren_c_y_ - __--- -----_---- -__--- -_-_-_-_-_-__--_ 
 
1,352 10 Time Certificates of Deposit12,101 00 Savings Deposits ____ - __ -- __ 
120 00 Trust Funds on Deposit---_- 
 
57,566 70 6,470 11 
 
Silver, Nickels, Pennies _____ _ Advances on Cotton ________ _ Advances on other Commodi- 
 
3,395 88 
--------- 
 
Cashier's Checks ----------Certified Checks _----- _----Bills Payable - __ ----- _----- 
 
1,595 32 40,000 00 
 
Chteiecsks --fo--r--C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
 
----5-8-6--0-8 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
10,000 00 
 
Other Checks and Cash Items 3,311 62 Borrowed Money _--- ----- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances __ -- _-- _- 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- -_-_-_ _- _-_-_-_- -_ Other Assets ______________ _ 
 
Reserve for Interest and Taxes Other Liabilities: Reserve for Depreciation ___ _ 
 
563 55 2, 879 02 
 
TotaL------------ --------$339,741 34 TotaL ____________________ $339,741 34 
 
 FIRST ANNUAL REPORT 
 
29 
 
EXAMilii'EB'S BEPOB'r 
 
CITIZENS BANK, ASHBURN. 
At Close of Business August 30, 1920. 
 
President-D. H. Davis. Vice-President-\V. A. Murray. Cashier-E. W. Coney. 
 
Directors-D. H. Davis, W. A. Murry, A. J. Davis, J. H. Pate, \V. L. Story, R. 
 
Pau,lk, J. A. Corner. 
 
Date of Charter-July 27, 1905. 
 
Began Business-October 25, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$161,494 40 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
12,026 21 3,200 00 
 
SAurnrpt.luRs eFseurnvded __f_o_r__B_r_a_n__c_h_es_ 
 
25,000 00 
 
United States Bonds_________ 15,000 00 Undivided Profits ----------- 13,125 53 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid __ - _--- _-- 
 
72 00 
 
Banking House and Furniture 
 
Due to Banks in this State_- 
 
Otahnedr RFeixatluEresstat-e--O--w-n-e-d--_-__--_ 
 
5,000 3,000 
 
00 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 15,916 95 Individual Deposits Subject to 
 
Due from Banks in other 
States -----------------Currency -----------------GS iollvde r ,- -N- -i -c -k-e-l s-,- -P- -e-n-n-i-e-s -_-__-_- -. Advances on Cotton _________ 
 
14,399 13 4,200 00 
731 00 865 13 --------- 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 101,108 84 
 
Time Certificates of Depos!L 35,626 44 
 
Savings Deposits ----------- 
 
268 74 
 
Cashier's Checks ____ -- _---- 1,818 82 
 
Certified Checks _______ - __ -- 
 
A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Bills Payable--------------Notes and Bills Rediscounted 
 
35,000 00 
 
Checks for Clearing House__ ________ _ Certificates of Deposit for 
 
Other Checks and Cash Items ________ _ Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
at enrcse so f_ _C_r_e_d_i_t _ _a_n_d_ _A_ _c_c_e_p_t -_ 
 
________ _ 
 
and Acceptances ____ -- __ _ Reserve for Interest and Taxes 
 
Overdrafts (if any) _______ _ Other Assets _______________ 
 
___1_7__3__22_ Other 
 
Liabilities 
 
________ --- 
 
62 
 
TotaL ___ --_---- _________ -$237,027 99 Total---------------------$237,027 99 
 
BANK'S STATEMENT at .Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$113,803 15 Capital Stock Paid In __ ---_-$ 25,000 00 
 
Demand Loans ------------- 37,624 27 Arnt. Reserved for Branches 
 
Loans Secured by Real Estate 8,535 03 Surplus Fund -------------- 25,000 00 
 
United States Bonds _________ Other Stocks and Bonds_____ 
 
15,000 00 ________ _ 
 
UDnivdiidveidnedds 
 
PUrnopf iatisd - -_-_-_ -_ _- _- _-_-_- -_ 
 
10,461 82 7~ 00 
 
BaannkdinFgixHtouureses a_n_d__F__u_r_n_i_t_u_re_ Other Real Estate Owned ___ _ 
 
Due to Banks in this State_- 
 
5,000 00 3,000 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuolrdren_c_y__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
1,445 35 DeCmhaenckd Ce-r-ti-f-i-c-a-te-s--o-f-D--e-p-o-s-i-t 3,040 00 Time Certificates of Deposit_ 
691 00 Savings Deposits ----------- 
 
75,582 69 
32,851 21 792 58 
 
Silver, Nickels, Pennies ____ _ 
 
979 20 '!'rust Funds on Deposit_---- 
 
Advances on Cotton ________ _ 
 
493 21 Cashier's Checks ----------- 1,514 76 
 
Advances on other Commodities -- __ --- _---- _- _______ _ 
 
10,994 78 CBeilrltsifPieadyaCbhleeck_s_________-_-_-_-_-_-_-_--_ 
 
38,500 00 
 
Checks for Clearing House __ 1,655 01 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,876 22 Individual Deposits Subject to 
 
Customers' Liability on Let- 
 
Borrowed Money _-------- 
 
at enrcse so f_ _C_r_e_d_i_t __a_n_d_ _A_ _c_c_e_p_t _- 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances _____ ---- 
 
Overdrafts (if any) _______ _ 
 
836 74 ReRerve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ____ ------- 
 
TotaL_-------- ___ ----- ___ $209,775 06 Total _____________________ $209,775 06 
 
 ao 
 
BANKING DEPAHTMENT 
 
EXAMINER'S REPORT 
 
TURNER COUNTY BANK, ASHBURN. 
 
At Close of Business September 13, 1920. 
 
President-J. S. Shingler. ice-Presidents-C. F. Shingler, G. C. McKenzie. 
 
Cashier-R. R. Shingler. 
 
Directors-J. S. Shingler, C. F. Shingler, G. C. McKenzie, G. E. Reinhardt, M. L. 
 
Cantry, C. E'. Thrasher, H. I. Shingler, N. J. Turner, R. R. Shingler. 
 
Date of Charter-February 20, 1912. 
 
Began Business-March 12, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$148,402 75 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 74,912 81 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 25,000 00 
 
UOnthiteerdStSotcaktes sanBdoBnodnsd-s-_-_-_-_-_-_- 
 
-_-_-_-_-_-_ _- _- -_ 
 
Undivided Dividends 
 
Profits---------Unpaid ____ ------ 
 
Banking House ------------ --------- Due to Banks in this State_- 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
3,729 69 --------- 
 
CDaulel MtooBneaynk_s__in___o_t_h_e_r__S_t_a_te_s_ 
 
65,000 00 
 
Due from Banks in this State 5,662 34 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iol lvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ 
 
1,196 29 DeCmhaenckd Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 7,136 00 Time Certificates of DeposiL 
40 00 Savings Deposits __ --- _----456 19 Cashier's Checks __ - _-- _---- 
 
46,763 45 51,395 70 
274 53 
 
Advances on Cotton _________ --------- Certified Checks ____ - _------ 
 
Adtvieasnc_e_s__o_n__o_t_h_e_r__C_o_m_ _m_ _o_d_i-_ 
 
________ _ 
 
Bills Payable _____ - _- ___ - __ _ Notes and Bills Rediscounted 
 
35,000 00 
 
Checks for Clearing- House __ 
 
654 60 Certificates of Deposit for 
 
Other Checks and Cash Items 2,949 22 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
atenrcsesof_ _C_r_e_d_i_t __a_n_d_ _A_ _c_c_e_p_t-_ Overdrafts (if any) _________ 
 
________ _ ________ _ 
 
and Acceptances __ ------Reserve for Interest and Taxes 
Other Liabilities ----------- 
 
Other Assets: 
 
Depositors' Guarantee Fund_ 3,107 70 
 
Profit and Loss ___ -- ___ ----_ 
 
185 91 
 
Total---------------------$248,433 68 Total---------------------$248,433 68 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$161,253 69 Capital Stock Paid Jn _______ $ 25,000 00 Demand Loans ___ - - - - - - _ __ _ 1 3, 7 46 6 0 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds _________ Other Stocks and Bonds _____ Banking House ___ --------Furniture and Fixtures_____ Other Real Estate Owned____ 
Due from Banks in this State 
 
--------- Surplus Fund -------------- 
 
----------------- 
 
UDnivdiidveinddeds UPnropfaiitds 
 
_-_- _- -_ -_-_-_-_ _ -_ 
 
-------- _ Due to Banks in this State __ 
 
3, 729 69 Due to Banks in other States 
 
________ _ Call Money ---------------- 
 
8,605 57 Individual Deposits Subject to 
 
25,000 00 __1_,_1_4_5__94_ 
----------------33,700 00 
 
Due from Banks in other 
States ------------------CG uo lrdr e n_c_y_ _ _-_ -_ -_ -_ _- _- _- _- _- _- _- _-_-_-_-_-_- -_ 
Silver, N eckels, Pennies ____ _ Advances on Cotton __ - _____ - 
 
Check ------------------1,008 85 Demand Certificates of Deposit 2,584 00 Time Certificates of Deposit_ 
27 50 Savings Deposits ----------496 30 Trust Funds on Deposit_ ____ 1,636 04 Cashier's Checks ----------- 
 
31,340 74 _-------33,098 07 
----------------- 
198 42 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C_o_m_ _m_ _o_d_i-_ 
 
________ . 
 
Certified Checks _----------Bills Payable -------------- 
 
--------45,000 00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted _______ -- 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- -S- -e-c-u-r e-d- -_ 
 
612 78 Certificates of Deposit for Borrowed Money --------- 
Liahili ty on Letters of Credit, 
and Acceptances __ ------782 15 Reserve for Interest and Taxes 
 
------------------------- 
 
Other Assets --------------- 
 
Other Liabilities ----------- --------- 
 
Total _____________________ $194,483 17 Total _____________________ $194,483 17 
 
 FIRST ANNUAL REPORT 
 
31 
 
EXAMINEB.'S REPORT 
 
AMERICAN STATE BANK, ATHENS. 
 
At Close of Business October 18, 1920. 
 
President-J. J. Wilkins. Vice-Presidents-H. C. Erwin, W. C. Jordan. Cashier-R. W. Siger. 
Directors-J. .T. Wilkins, w. C. Jordan, M. G. Nicholson, J. W. Smith, H. C. 
J<Jrwin, W. H. Jones, C. H. Brand, L. F. Edwards, T. H. Nickerson, A. M. Saule, J. \Y. Morton, J. F. Sheehan, Jno. T. Pittard. 
W. T. Brightwell. 
 
Date of Charter-December 2, 1902. 
 
Began Business-January 2, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$560,923 40 Capital Stock Paid In _______ $100,000 00 Demand Loans ------------- 9,500 00 Amt. Reserved for Branc11es ________ _ 
 
Loans Secured by Real Estate 89,800 00 Surplus Fund -------------- 20,000 00 
 
United States Bonds 
 
47,700 00 Undivided Profits ___________ 36,809 58 
 
Other Stocks and Bonds_____ 3, 600 00 Dividends Unpaid ----------- 
 
148 OU 
 
Banking House ------------- 14,897 80 Due to Banks in this State__ 12,234 92 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
3,218 70 3,980 43 
 
Due to Banks in other States Call Money ___ ______ ____ ___ 
 
________ _ ________ _ 
 
Due from Banks in this State 44,954 18 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuo lrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_ -_ -_ -_ _- _- _- _- _- -_ 
 
6,032 24 DeCmhaenckd Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 2_0_6_,_Z_0_6__71_ 1,863 00 Time Certificates of DeposiL 13,760 00 
205 00 Savings Deposits ----------- 275,770 91 
 
Silver, Nickels, Pennies ____ _ 3,892 72 Trust Funds on DeposiL ____ ________ _ 
 
Advances on Cotton ________ _ A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
4,218 17 CCearsthifiieerd's CChheecckkss _-_-_-_-_-__-_-_-_-_--_ ________ _ Bills Payable -------------- 
 
2,145 40 
24 55 42,000 00 
 
Checks for Clearing House_- 13,832 64 Notes and Bills Rediscounted 100,563 95 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
885,88 CeBrtoifrircoawteesd MofoneDyep_o_s_i_t__f_o_r_ ________ _ 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A_ _c_c_e_p_t-_ ________ _ LiaanbdilitAycocnepLtaentcteerss _o_f_C_r_e_d_i_t_, ________ _ 
 
Overdrafts (if any) _________ Other Assets _______ ------ _- 
 
________ _ 171 67 
 
ROethseerrvLe ifaobrilIintiteesre_s_t_a_n_d__T_a_x__es_ 
 
--------18 85 
 
TotaL ___________________ -$809,680 87 Total---------------------$809,680 87 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
___________R__Es__o_u_R_C__E_s___________ , 
 
LIABILITIES 
 
Time Loans ---------------- 612,477 56 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 9,500 00 Amt. Reserved for Branches --------Loans Secured by Real Estate 28,500 00 Surplus Fund -------------- 20,000 00 
 
United States Bonds--------- 48,950 00 Undivided'Profits ----------- 38,570 19 
 
Other Stocks and Bonds_____ 3,800 00 Dividends Unpaid __________ 
 
6 00 
 
Banking House ------------- 10,000 00 Due to Banks in this State__ 3,961 55 Furniture and Fixtures _____ 8,116 50 Due to Banks in other States ________ _ 
 
Other Real Estate Owned____ 2,980 43 Call Money ---------------- --------Due from Banks in this State 57,731 29 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 198,835 33 
 
States ------------------- 5,907 03 Demand Certificates of Deposit --------Currency ------------------ 4,370 00 Time Certificates of DeposiL 9,410 00 
 
Gold ----------------------- 
 
115 00 Savings Deposits ----------- 263,708 40 
 
Silver, Nickels, Pennies______ 4,673 80 Trust Funds on Deposit_ ____ --------- 
 
Advances on Cotton _________ A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C._o_m_ _m_ o_ _d_i -_ 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
--------- Ceshier's Checks ----------_________ CBeilrltsifiPeadyaCbhleeck_s____---- -__--_______ ---__- 
4,553 07 Notes and Bills Rediscounted 930 02 Certificates of Deposit for Borrowed Money -- ____ --- 
 
3,967 18 17 40 
45,600 00 110,135 89 
___ ---- __ 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ _________ LiaanbdiliAtyccoenptLaentcteesrs_o__f_C__re_d-i_t,_ ___ -- ___ _ 
 
Overdrafts (if any) ________ 
 
77 22 Reserve for Interest and Taxes ________ _ 
 
Other Assets: 
 
Other Liabilities --- _____ --- - __ -- ___ _ 
 
Revenue Stamps ------------ 
 
30 00 
 
Total---------------------$794,211 92 Total---------------------$794,211 92 
 
 r 
 
32 
 
BANKING DEPARTMENT 
 
EXAMilii'EB'S BEPOB'r 
 
ATHENS SAVINGS BANK, ATHENS. 
 
At Close of Business November 15, 1920. 
 
President-M. Stern. Vice-President-M. G. Michael. Cashier-G. A. Mel!. 
 
Directors-M. Stern, M. G. Michael, G. A. Mell, \V. F. Bradshaw, Sidney Baley, 
 
L. F. Edwards, Dupree Hunnicutt, T. S. Mell, J. A. Hunnicutt, Sr., 
 
J. A. Hunnicutt, Jr., Aaron Cohen, F. A. Lipscomb. 
 
Date of Charter-1887. 
 
Began Business-1892. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,005,263 85 Capital Stock Paid In _______ $ 50,000 00 
 
DLoeamnasndSeLcuoraends b-y-R--e-a-l-E--s-t-a-t-e United States Bonds _________ 
Other Stocks and Bonds _____ 
 
_2_5_,5_5_4___33_ 194,050 00 
--------- 
 
Amt. Reserved for Branches 
Surplus Fund -------------DUnivdiidveinddeds PUrnopfaitisd -_-_-_-_-_-_-_-_-_--_ 
 
200,000 111,532 
 
00 24 
 
Banking House ------------- 37,216 48 Due to Banks in this State __ _ 
 
Furniture and Fixtures______ Other Real Esate Owned ____ 
 
514 54,110 
 
30 34 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r--S_t_a_t_es_ 
 
3,784 28 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
and from Banks in other 
States ------------------Currency ----------------Gold ----------------------Silver, Nickels, Pennies_____ 
 
38,881 28,810 
 
79 00 
 
DeCmhaenckd Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit- 
 
292,037 71,237 
 
89 68 
 
500 00 Savings Deposits _- -- ______ _ 356,958 57 
 
8,285,05 'I' rust Funds on Deposit_ ___ - 
 
Advances on Cotton _________ --------- Cashier's Checks ___ -- ____ -- 
 
Adtvieasnc_e_s_ _o_n__o_t_h_e_r__C_ o_m__m_ o__d_i-_ 
 
________ _ 
 
Certified Checks ___________ Bills Payable ______________ _ 
 
30 350,000 
 
00 00 
 
Checks for Clearing House__ 17,297 15 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,505 43 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --- _____ - 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t -_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances ---------- 
 
Overdrafts (if any) --------Other Assets --------------- 
 
22,671 65 920 29 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total -------------------$1,435,580 66 Total -------------------$1,435,580 66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$938,580 11 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 25,554.33 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 56,600 00 Surplus Fund -------------- 200,000 00 
 
United States Bonds--------- 194,050 00 Undivided Profits ----------- 113,971 05 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 20,973 03 Due to Banks in this State __ 2,557 00 
 
Furniture and Fixtures______ 
 
514 30 Due to Banks in other States 
 
Other Real Estate Owned ____ 70,353 79 Call Money ---------------- 
 
Due from Banks in this State 28,348 49 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ----- _------------- 281,373 71 
 
States ------------------- 13,972 20 Demand Certificates of Deposit 
 
Currency ------------------ 19,750 00 Time Certificates of Deposit- 71,237 68 
 
Gold ----------------------- 
 
7 50 Savings Deposits ----------- 352,615 90 
 
Silver, Nickels, Pennies_____ 10,615 13 Trust Funds on Deposit- ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
A dt vi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_ _o_m-m_ _o_d_i -_ 
 
- _----- __ CBeilrltsifiPedayCabhelecks___-_- _____- _________-_--- 
 
30 00 350,000 00 
 
Checks for Clearing House__ 18,695 19 Notes and Bills Re<liscounted 
 
Other Checks and Cash I terns -------- _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _____ ---- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _____ --- _----------- --------- and Acceptances --- __ ----- 
 
Overdrafts (if ahy) --------- 22,825 27 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Internal Revenue Stamps_- __ 
 
100 00 
 
- - - - - War Savings Stamps-------- 
 
846 00 
 
Total ___________________ $1,421,785 34 
 
Total -------------------$1.421,785 34 
 
 FIRST ANNUAL REPOHT 
 
33 
 
EXAMINER'S BEPOB'r 
THE COMMERCIAL BANK, ATHENS. 
At Close of Business December 15, 1920. 
President-H. H. Gordon, Jr. Vice-Presidents-A. C. Erwin, C. D. Flanigen. Cashier-J. E. Patman. 
Directors-B. E. Fortson, E. J. Crawford, Harry Hodgsen, E. R. Hodgsen, Jr., B. F. Hardeman, J. H. Griffith, G. L. Daniels, J. E. Talmadge, Jr., A. G. Dudley, 
 
RESOURCES 
 
LIABILITIES 
 
Time L.oans ----------------$703,255 03 Capital Stock Paid In-------$100,000 00 Demand Loans - ____________ 20,885 47 Amt. Reserved for Branches ----- _--- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 20,000 00 United States Bonds _________ --------- Undivided Profits ----------- 29,690 05 
 
Other Stocks and Bonds_____ 4,448 08 Dividends Unpaid ----------- 
 
48 00 
 
Banking House ------------ --------- Due to Banks in this State.. --------Furniture and Fixtures______ 2,500 00 Due to Banks in.other States --------- 
 
Other Real Estate Owned ____ 12,615 84 Call Money ---------------- --------- 
 
Due from Approved Reserve 
 
Individual Deposits Subject to 
 
Agents ------------------ 73,057 04 Check ------------------- 400,568 93 
 
Due from Banks in other 
 
Demand Certificates of Deposit --------- 
 
States ___________________ 
 
12 00 Time Certificates of Deposit. 42,000 00 
 
Currency ------------------ 6,785 00 Savings Deposits ----------- 59,593 27 
 
Gold ----------------------- 
 
15 00 Trust Funds on Deposit_ ____ --------- 
 
Silver, Nickels, Pennies._____ 3, 758 02 Cashier's Checks _______ -- _- 
 
461 01 
 
Advances on Cotton _________ --------- Certified Checks ------------ 
 
7 51 
 
Advances on other Com modi- 
 
Bills Payable -- _----------- 145,000 00 
 
ties---------------------- ---------Notes and Bills Rediscounted 32,480 96 
 
Checks for Clearing House._ 2,609 94 Certificates of Deposit for 
 
Other Checks and Cash Items --------- Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances _________ - --------. 
 
ances __ -- --- __ ---- _---- __ - ___ - _- _- Reserve for Interest and Taxes --------- 
 
Overdrafts (if any) --------- --------- Other Liabilities: 
 
Other Assets: Revenue Stamps _____ ------ 
 
Cash Long ----------------30 00 
 
121 69 
 
Total --------------------$829,971 42 
 
TotaL ___________________ .$829,971 42 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$654,016 53 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 70,123 97 Amt. Reserved for Branches --------Loans Secured by Real Estate _________ Surplus Fund ______ -------- 20,000 00 
 
United States Bonds________ 4,448 OS Undivided Profits ----------- 29,690 05 
 
Other Stocks and Bonds.____ _________ Dividends Unpaid _________ -- 
 
48 00 
 
Banking House ------------ --------- Due to Banks in this State. --------Furniture and Fixtures______ 2,500 00 Due to Banks in other States --------- 
 
Other Real Estate Owned ____ 12,615 84 Call Money ---------------- --------Due from Banks in this State 61,485 26 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 400,568 93 
 
States ------------------ 11,583 78 Demand Certificates of Deposit --------- 
 
Currency ------------------ 
 
67 85 Time Certificates of Deposit. 42,000 00 
 
Gold ----------------------- 
 
15 00 Savings Deposits ---------- 59,593 27 
 
Silver, Nickels, Pennies._____ 3, 758 02 Trust Funds on Deposit._--- --------- 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
461 01 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
7 51 
 
ties ---------------------- --------- Bills Payable ______ : _______ 145,000 00 
 
Checks for Clearing House.__ 2,209 17 Notes and Bills Rediscounted 32,480 96 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
279 08 Certificates of Deposit for Borrowed Money _______ -- --------- 
 
ters of Credit and Aceept- 
 
Liability on Letters of Credit, 
 
ances ______ - _-- ____ ______ - _------- and Acceptances ___ - _----- --------- 
 
Overdrafts (if any) _________ ________ - Reserve for Interest and Taxes -------.- 
 
Other Assets: Revenue Stamps _____ - __ - _- 
 
Other Liabilities __ --------- --------30 00 
 
Total --------------------$829,849 73 Total --------------------$829,849 73 
 
 34 
 
BANKING DEPARTMENT 
 
E:XAMINEB'S BEPOB'l'. 
 
PEOPLES BANK, ATHENS. 
 
At Close of Business November 11, 1920. 
 
President-S. Bernstein. Vice-President-J. H. Dozier. Cashier-J. H. Hubert. 
 
Directors-S. Bernstein, J. H. Dozier, A. H. Davison, 0. H. Arnold, Abe Joel, R. S. Crane, H. H. Hinton, P. H. Connally, J. D. Tribble. 
 
Date of Charter-May, 1912. 
 
Began Business-1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$621,401 64 Capital Stock Pain Jn ________ $100,000 00 
 
Demand Loans ------------ 3,661 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
34,570 39,050 
 
o81u 
 
USunrdpivluids edFuPnrdof-it-s--_-_-_-_-_-_-_-_-_--_ 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid _________ _ 
 
Banking House -----------Furniture and Fixtures ____ Other Real Estate Owned____ 
 
--------4,050 00 
________ _ 
 
Due Due Call 
 
to Banks in this State to Banks in other States Money _____ - ___________ 
 
--------________ _ ________ _ 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
and from Banks in other 
 
States ------------------GCoulrdr e n_c_y_ _ _-_ -_ -_ -_ _- _- _- _- _- _- _- _-_-_-_-_-_- -_ 
 
100,325 13,230 952 
 
72 00 50 
 
D eCmhaencdk sC e-r-t -i f-i-c-a-t e-s- -o-f-D- -e-p-o-s-i t- 
Time Certificates of Deposit Savings Deposits ----------- 
 
2_8_8_,9_5_3___53_ 
80,470 90 119,854 71 
 
Silver, Nickels, Pennies __ - _ 1,092 42 Trust Funds on Deposit---- --------- 
 
Advances on Cotton -------Adtiveasnc_e_s__o_n__o_t_h_e_r_ -C--om__m_ -o-d-i-- 
 
--------________ _ 
 
CCearsthifiieire'ds CChheecckkss -- -_-_-_-__-_-_-_-_-_--_ Bills Payable _____________ _ 
 
929 102 180,000 
 
91 75 00 
 
Checks for Clearing House.- 20,028 72 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items 3,761 51 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ____ -- __ ________  
 
ters of Credit and Accepttances _----- _------------ 
 
--------- 
 
LiaanbdiliAtyccoenptLaentcteesrs_o__f _C_r_e_d_i_t_, 
 
_ _______ _ 
 
OOtvheerrdArasfstest-s(i_f__a_n_y__)_______ _ 
 
1,371 22 Reserveforinterest and Taxes --------155 02 Other Liabilities ----------- -------- 
 
Total --------------------$843,650 56 Total --------------------$843,650 56 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loan~ ---------------$550,086 18 Capital Stock Paid In ______ $]00,000 00 Demand Loans ------------- 4,761 00 Amt. Reserved for Branches --------Loans Secured by Real Estate 26,894 19 Surplus Fund -------------- 20,000 00 United States Bonds ________ 39,650 00 Undivided Profits ---------- 51,100 43 
 
Other Stocks and Bonds---- --------- Dividends Unpaid ---------- 
 
20 00 
 
Banking House ------------- --------- Due to Banks in this State --------Furniture and Fitures. _____ 4, 050 00 Due to Banks in other States ________ _ 
 
Other Real Estate Owned____ _________ Call Money - __ ----- __ -- ___ ________ _ 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ Advances on Cotton________ 
A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i _- 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t -_ Overdrafts (if any) _________ 
 
25,295 83 Individual Deposits Subject to 
 
Check -------------------- 215,227 03 
 
17,002 34 DemandCertificatesofDeposit --------- 
 
18,402 00 Time Certificates of Deposit 79,450 90 
 
822 50 Saving ~posits ---------- 98,526 66 2,922 19 Trust Funds on Deposit. ___ --------_________ Cashier's Checks _______ - ___ _ 1,016 14 
 
_________ 
 
CBeilrltsifiePdayCabhleecks___-_-_--_-______-_-_-_- __ 
 
102 130,000 
 
75 00 
 
5,185 01 Notes and Bills Rediscounted --------- 
 
141 00 Certificates of Deposit for 
 
Borrowed Money --------- _-------- 
 
___ ---- __ LiaanbdilitAycocnepLtaentcteerss o__f_C_ r-e-d-i-t_, _--- ____ _ 
 
212 68 Reserve for Interest and Taxes ________ _ 
 
Other Assets --------------- 
 
18 99 Other Liabilities ----------- --------- 
 
Total --------------------$695,443 91 Total --------------------$695,443 91 
 
 FIRST ANNUAL REPORT 
 
35 
 
EXAMIJIEB'S BEPOBT. 
 
AMERICAN SAVINGS BANK, ATLANTA. 
 
At Close of Business November 24, 1920. 
 
President-J. G. St. Amand. Vice-President-Robt. M. Clayton. Cashier-Peter F. Clarke. 
 
Directors-J. G. St. Amand, Peter F. Clarke, Robt. M. Clayton, J. A. Haas, W. A. Simpson, E. W. Butler, W. M. Francis. 
 
Date of Charter-December 27, 1886. 
 
Began Business-1887. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$604,004 45 Demand Loans -- _----- _____ 5,500 00 
Loans Secured by Real Estate --------United States Bonds -------- 1,303 81 Other Stocks and Bonds _____ --------Banking House ------------ 131,000 00 Furniture and Fixtures______ 1,500 00 
 
Capital Stock Paid I~ ------$200,000 00 
 
Amt. Reserved for Branches _-------- 
 
Surplus Fund -------------- 32,000 00 
 
Undivided Profits ---------- 6,881 26 
 
Dividends Unpaid ----------- 
 
210 50 
 
Due to Banks in this State __ --------- 
 
Due to Banks in other States -------- _ 
 
Other Real Estate Owned ____ 10,434 36 Call Money ----------------- --------- 
 
Due from Banks in this State 35,920 41 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ____________ -------- --------- 
 
States -------- __ - ------- _ _ __ ____ __ Demand Certificates of Deposit --------- 
 
Currency ------------------- 6,293 00 Time Certificates of Deposit 69,897 43 
 
Gold ----------------------- 
 
----- Savings Deposits ----------- 303,615 26 
 
Silver, Nickels, Pennies ___ -__ ---181 30 Trust Funds on DeposiL--- _------- _ 
 
AAddvvaanncceess oonn oCtohettroCno-m--m--o-d-i-- --------- CCearsthifiieerd's CChehcekcsk_s_-_-_-_-_-_-_-_-_-_--- ----44-5---0-0 
 
ties ----"----------------Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
ovae~~~~fts~(if- -any):::::::: 
 
--------3,159 18 258 63 
--- io2- 32 
 
Bills Payable -------------- 102,000 00 1'\otes and Bills Rediscounted ------Certificates of Deposit for 
Borrowed Money _____ - __ --------Liability on Letters of Credit, 
ne:;~~v!~~:;~~~~~~~t a.~-d" -T~xes :::===::: 
 
Other Assets ---- _---------Advances on Taxes__________ Cash Short ----------------Dividend Account Carried 
with Atlanta Nat. Bank ___ _ 
 
___ ----- _ 1,722 09 56 65 
210 50 
 
Other Liabilities: Unearned Interest 
 
---------- 
 
86,597 25 
 
Total ___________________ .$801,646 70 Total -------------------$801,646 70 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __ -- _- __ -- ____ - $ 
 
Capital Stock Paid In _______ -$2oo;ooo oo 
 
Demand Loans ____________ _ 5,000 00 Amt. Reserved for Branches __ ------ _ 
 
Loans Secured by Real Estate 601,826 70 United States Bonds _______ _ 1,303 81 Other Stocks and Bonds ___ _ 
 
Surplus Fund -------------DUinvdiidveinddesd PUrnopfaitisd -_--_-_-_-_-_-_-_-_-_ 
 
32,000 Oo _ _5_, _5_8_8__45_ 
 
Banking House ____________ _ 131,000 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures _-- _ Other Real Estate Owned ___ _ 
 
1,500 00 10,434 36 
 
CDaulel MtooBneaynk_s__in___o_t_h_e_r__S_t_a_te_s_ 
 
____-_ _- _- _- _-_- -- 
 
Due from Banks in this State Due from Banks in other 
 
70,547 37 IndCihveicdkual_D__e_p_o_s_it_s__S_u_b_j_e_c_t_t_o_ ________ _ 
 
States ------------------CGuo lrdr e n_c-y_ _ _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
Demand CertificatesofDeposit 87,143 83 1,571 00 Timll Certificates of Deposit _------- _ 
Savings Deposits ----------- 312,301 89 
 
Silver, Nickels, Pennies ___ _ Advances on Cotton _______ _ 
 
313 25 Trust Funds on Deposit ---- --------Cashiers' Checks ------------ --------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
445 00 
 
ties ________ ------------- _ 
 
Bills Payable -------------- 102,000 00 
 
Checks for Clearing House __ 1,785 08 Notes and Bills Rediscounted ___ ------ 
 
Other Checks and Cash Items 
 
344 18 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-------- --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O avnecredsr a f-t-s---O- -f- - a- -n-y-)--------------- 
 
and Acceptances _____ - _--- ___ ----- _ 58 60 Reserve for Interest and Taxes ___ ----- _ 
 
Other Assets ___ - _--------- _ 1, 722 09 Other Liabilities: 
 
Unearned Interest ---------- 87,927 27 
 
Total --------------------$827,406 44 Total --------------------$827,406 44 
 
 36 
 
BANKIKG DEPARTMEKT 
 
EXAMI:NEB'S BEPOBT. 
 
ATLANTA COMMERCIAL BANK, ATLANTA. 
 
President-vV. B. Chandler. Vice-President-Howard Parrish. Cashier-Howard Parrish. 
 
Directors-L. 0. "'ichols, F. S. Hall, Wm. Etheridge, T. W. Gilstrap, F. J. Chappaler, T. J. Lowe, V. B. Moore, E. L. Brooks, T. A. Dry, C. N. Davis. 
 
Date of Charter-May 12, 1916. 
 
Began Business-May 15, 1916. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ............ $242,114 19 Capital Stock Paid In ______ $ 50,000 00 . 
 
Demand Loans . . . . . . . . . . .. . 1,095 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ........ . Surplus Fund -------------- 10,000 01 
 
United States Bonds........ . ...... Undivided Profits ----------- 3,819 31 
 
Other Stocks and Bonds.... . ....... . Dividends Unpaid _..... ____ _ 
 
36 00 
 
Banking House . . . . . . . . . . . . ....... . Due to Banks in this State 
 
Furinture and Fixtures...... 2,670 62 Due to Banks in other States Other Real Estate Owned.... . ....... . Call Money .. _____ ...... ___ _ 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
and from Banl<s in other States ............... 
 
45,648 89 DeCmhaencdk C-e-r-ti-f-ic-a-t-e-s-o--f -D-e-p-o--s-it- 124,065 50 
 
Currency .................. 8,480 00 Time Certificates of Deposit 
 
Gold ..~ ................... 
 
265 00 Savings Deposits---------- 
 
Silver, Nickels, Pennies .... 1,050 05 Trust Funds on DeposiL .. . 
 
Advances on Cotton .  . . . . .  . ... __  Cashier's Checks . _...... . 
 
Adtiveasnc_e.s. _o_n__o_t_h_e_r__C_o_m__m__o_d_i-_ 
 
Certified Checks ___________ _ _ _______ _ Bills Payable ------------~ 
 
38,690 84 
223 09 1,151 76 75,000 00 
 
Checks for Clearing House._ 1,801 47 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,020 30 Certifi:Cates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ..... __ .. 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances - -- - - ____ - - -- - - - - - _- - -- - - -- - - and Acceptances ---------- 
 
Overdrafts-Of any) ...... . 
 
32 02 Reserve for Interest on Taxes 
 
Other Assets -------------- 
 
---------- 
 
Other Liabilities: Deposits and Credits 
 
Since 
 
C aLs ha s tL oBnagl an_c_e___- --. .---- -_-_-__- -_ 
 
1,186 35 12 69 
 
Total --------------------$304,185 54 Total ------------------ .. $304,185 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$229,157 95 Capital Stock Paid In _____ .$ 50,000 00 Demand Loans .. --. ___ . __ . 5,267 00 Amt. Reserved for B-ranches 
 
Included in Time Loans ____ Loans Secured by Real Estate 
 
--------____  __  _ 
 
Surplus Fund -------------Undivided Profits ..... ____ _ 
 
10,000 00 5,446 95 
 
United States Bonds -------- --------- Dividends Unpaid __ ... ____  
 
20 00 
 
Other Stocks and Bonds ____ --------- Due to Banks in this State._ 14,346 27 
 
Banking House . _--......... Furniture and Fixtures . __ . 
 
. ... ____ . 2,670 62 
 
CDaulel 
 
Mto oBneaynk.s. _i_n__o.t.h_e_r__S_t_a_t_es_ 
 
Other Real Estate Owned.. ________ . Individual Deposits Subject to 
 
Due from Banks in this State Due from Banks in other 
 
7,626 57 DeCmhaencdk C-e-r-ti-f-i-c-a-te-s--o-f-D--e-p-o-s-i-t 89,823 20 
 
States -----------------CGuolrdren_c.y___-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
32,220 67 
1,942 00 465 00 
 
Time Certificates of Deposit Savings Deposits . ___ .... _. Trust Funds on DeposiL .. _. 
 
36,220 00 
 
Silver, Nickels, Pennies. ___ _ Advances on Cotton ________ 
 
 __8_7_2___09_ 
 
Cashier's Checks Certified Checks 
 
____ ... _. __ . ....... _... 
 
587 30 81 17 
 
Advances on other Commodi- 
 
Bills Payable ___ . _..... ___ . 75,000 00 
 
Chteicekss -fo-r--C--l-e-a-r-in-g---H-o--u-s-e-.-. 
 
_- _-_-_-_-_-_-_- -_ 
 
Notes and Bills Certificates of 
 
Rediscounted Deposit for 
 
5,500 00 
 
Other Checks and Cash Items 6,514 33 Borrowed Money---------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances ...... ___ . 
 
Oavnecredsraf-t-s---O--f--a-n-y-)---. -__--.-.-_-. 
 
--------38 66 
 
Reserve for Interest and Taxes Other Liabilities ________ .. 
 
Other Assets: 
 
Foreign Collections ..... __ . 
 
250 00 
 
Total --------------------$287,024 89 Total --------------------$287,024 89 
 
 FIRST ANNUAL REPORT 
 
37 
 
E:XAMINEB/S BEPOB'l'. 
 
ATLANTA STATE SAVINGS BANK, ATLANTA. 
 
At Close of Business November 8, 1920. 
 
President-J. 0. Ross. Vice-Presidents-J. C. Ross, Dr. H. R. Butler. 
 
Cashier-W. J. Shaw. 
 
Directors-David T. Howard, A. F. Herndon, P. A. Allen, Chas. H. McCarthy, 
 
\V. S. Cannon, J. D. Flippen, Wm. DriskiH, \Y. F. Penn, R. E. 
 
Pharrow, G. \V. Holmes. 
 
Date of Charter-June 30, 1913. 
 
Began Business-August 1, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$160,128 59 Capital Stock Paid In _______ $ 28,892 00 Demand Loans __ -- _________ _________ Amt. Reserved for Branches 
 
Loans Secured by Real Estate 1o0,000 00 Surplus Fund -------------- 
 
780 00 
 
United States Bonds ________ 20,860 82 Undivided Profits ---------- 15,134 61 
 
Other Stocks and Bonds ____ 33,878 00 Dividends Unpaid _________ _ 
 
2 80 
 
Banking House ------------ --------- Due to Banks in this State __ 
 
Furniture and Fixtures______ 10,017 00 Due to Banks in other States 
 
Other Real Estate Owned____ 29,980 27 Call Money ____ --- __ -- ___ - _ 
 
Due from Banks in this State 23,799 48 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ____ -- ___ -- ___ - ___ - _ 139,357 84 
 
States ------------------- 2,293 30 Demand CertificatesofDeposit 55,722 72 Currency _____________ . _____ 6,695 00 Time Certificates of Deposit.. 61,741 87 
 
Gold ----------------------- 
 
362 50 Savings Deposits ---------- 118,267 05 
 
Silver, Nickels, Pennies_____ 2,009 23 Trust Funds on Deposit, __ _ 
 
Advances on Cotton ______ . . __ . __ . ___ Cashier's Checks . . ___ . _. __ _ 
 
173 07 
 
Adtvieasnce_s. _o_n__o_ t.h_e_r__C__o_m__m_o.d_i_- 
 
__.. _____ BCeilrltsifiPedayCabhelecks__ ....._.. _______... ___.._ 
 
~68 91 22,i20 40 
 
Checks for Clearing House 2,768 23 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
93 21 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ . _... __ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances -------------------- --------- and Acceptances _.. _. _.. _ Overdrafts-(if any)________ 1,713 73 Reserveforlnterestand Taxes Other Assets ___ . _________ .. __ . ______ Other Liabilities: 
 
CUanseha r nOevde rI n_t_e_r_e_s_t_ _-_-_-_-_-_-.-_- .-.- _ 
 
2,035 25 2 84 
 
Total --------------------$444,599 36 Total --------------------$444,599 36 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$191,342 13 Capital Stock Paid In ------$ 29,179 00 
 
Demand Loans ------------ --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate 122,412 60 Surplus Fund __ .. -- .. - .. -. _ 
 
910 00 
 
United States Bonds ____ .. 22,010 82 Undivided Profits - .. _-. _. __ 7,130 37 
 
Other Stocks and Bonds_____ 15,878 00 Dividends Unpaid ---------- 
 
2 00 
 
Banking House ------------- --------- Due to Banks in this State._ Furniture and Fixtures ____ 3,500 00 Due to Banks in other 
 
Other Real Estate Owned ____ 29,980 27 States ------------------ 
 
Due from Banks in this State 39,847 11 Call Money ---------------- 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States ------------------- 1,408 95 Check ------------------Currency  .  . .. ..  .. .. .. .. . 1,234 00 Demand Certificates of Deposit 
 
Gold ....... __ .. ____ ........ 
 
1 36 00 Time Certificates of Deposit 62,282 29 
 
Silver, Nickels, Pennies .. .. 1,015 92 Savings Deposits ........... . 262,607 47 Advances on Cotton .. .. .. .. _______ .. Trust Funds on Deposit. .. . 
 
Advances on other Commodi- 
 
Cashier's Checks ........... . 1,719 73 
 
ties  .. . .. .. .. . .. .. .. . .. . .  .. __ .... Certified Checks . . . . . . . . . . . . 
 
479 71 
 
Checks for Clearing House.. 2,360 98 Bills Payable ........... .. 55,082 60 
 
Other Checks and Cash Items 
 
942 00 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certific'ates of Deposit for 
 
ters orf Credit and Accept- 
 
Borrowed Money ......... 
 
ances __ ............... ~.. ______ .. _ Liability on Letters of Credit, 
 
Overdrafts-(if any).......... 
 
and Acceptances .......... 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Overdrafts Unsecured ...... 
 
100 .99 Other Liabilities: 
 
Xmas Savings ........... .. 11,041 35 
 
Unearned Interest ---------- 1,735 25 
 
Total --------------------$432,169 77 Total --------------------$432,169 77 
 
 38 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
ATLANTA TRUST COMPANY, ATLANTA. 
At Close of Business November 20, 1920. 
 
President-Frank S. Etheridge. Vice-President-Snowden McGaughy. Sec't'y. & T.rust Officer-John B. Wheat. 
Directors-F. S. Etheridge, Snowden McGaughy, Ivan E. Allen, C. H. Black, 
Arnold Broyles, E. Phinizy Calhoun, Claude Douthit, C. L. Elyea, Samuel N. Evans, R. L. Foreman, J. W. Goldsmith, Jr., J. M. B. Hoxey, R. T. Jones, M. C. King, Geo. H. Lanier, Geo. W. Little, Geo. S. Lowndes, John Morris, W. W. Orr, Billups Phinizy, J. Russell Porter, G. F. Willis. 
 
RESOURCES 
 
LIABILITIES 
 
Farm Loans --------------$ 425,024 53 
 
Time Loans -------------- 2,536,076 38 
 
Demand Loans------------ 43,582 72 
 
Loans Secured by Real 
 
U nEi tset da t eS t-a-t-e-s- -B-o-n- d- -s -_-_-_-_ _-_- -_ 
 
72,588 82 81,268 16 
 
Other Stocks and Bonds ___ _ 655,560 44 
 
Furniture and Fixtures ___ _ 20,196 28 
 
Other Real Estate Owned._ 43,762 49 
 
Due from Banks in this 
 
State ------------------Due from Banks in other 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-__-_-_-_--_ 
Silver, Nickels, Pennies. __ _ Checks for Clearing House Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
330,251 90 
 
90,790 87 
 
18,562 00 
 
2,697 46,903 
 
00 51 
 
333 79 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -_-_-_-_ -_ -_ 
Other Assets: Safety Deposit Vault_ ____ _ Accounts Receivable _____ _ Accrued Interest ________ _ Over and Short (Teller) __ _ 
Revenue Stamps ---------- 
 
32,000 00 244 55 
24,983 48 39,777 39 61,7 46 19 
72 16 250 00 
 
Capital Stock Paid In _____ .$1,000,000 00 
 
ASumrtp.lRusesFeurvnedd _f_o_r_B__r_a_n_c_h_e_s_ Undivided Profits ________ _ Dividends Unpaid ________ _ 
Due to Banks in this StateDue to Banks in other States 
 
125,000 00 68,808 61 
340 00 155,344 21 _________ _ 
 
Individual Deposits Subject 
 
to Check---------------- 892,724 03 Depmosaintds C- _e_r_t_if_i_ca--te-s---o_f _ _d_e_- _ ________ _ 
 
Time Certificates of Deposit 78,821 05 
 
Savings Deposits __ - _____ _ 436,867 04 
 
Trust Funds on Deposit_ __ _ 15,513 33 
 
Cashier's Checks (Treasurers' Checks.) __________ _ 
 
8,798 58 
 
CBei lrltsi f i ePda yCa bhleec k s_ _ _-_-_-_-_-_-_-_-_- -_ 
 
2,065 30 1 J 5,000 00 
 
Notes and Bills Rediscounted 1,558,260 33 
 
Certificates of Deposit for 
 
Borrowed Money 
 
Liabllity on Letters of 
 
Credit, and Acceptances __ 32,000 00 
 
Reserve for Interest and Taxes ------------------ 
Other Liabilities: Accounts Payable ________ - 
 
36,644 40 485 78 
 
Total -------------------$4,526,672 66 Total -------------------$4,526,672 ,66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$2,404,095 08 Capital Stock Paid In ______ $1,000,000 00 
 
Demand Loans -----------Farm Loans -------------- 
 
42,723 554,516 
 
06 57 
 
Amt. Reserved for Branches Surplus Fund ____________ _ 
 
125,000 00 
 
Loans Secured l>y Real U nEi st et da t eS t a-t-e-s- -B-o-n- d- -s -_-_-_-_ _- _- -_ 
 
72,588 82 UDnivdiidveinddeds UPrnopfaitids -_-_-_-__-_-_-_--_ 
 
68,905 33 247 00 
 
81,268 16 Due to Banks in this State. 134,797 33 
 
Other Stocks and Bonds __ _ 655,920 44 Individual Deposits Subject 
 
Furniture and Fixtures ___ _ 20,121 28 to Check --------------- 842,390 03 
 
Other Real Estate Owned._ Due from Banks in this 
 
43,762 4 9 Depmosaintds C_ _e_r_ti_f_ic_a_t_e_s_ _o_f_ _ _d_e_- _ ________ _ 
 
State ------------------Due from Banks in other 
 
249,961 
 
23 
 
Time Certificates of Deposit Savings Deposits ________ _ 
 
71,821 05 398 445 40 
 
CuSrtraetnecsy -__-_-_--. -_-_-_-_-_-_-__-_-_-_--_ 
 
56,134 84 Trust Dept. Deposits _____ -33,342 00 Treasurer's Checks _______ - 
 
17,199 95 35,232 15 
 
Silver Nickels, Pennies ___ _ 
 
3,6 40 81 Certified Checks ----------- 
 
314 59 
 
Checks for Clearing House. 52,458 33 Bills Payable ------------ 115,000 00 
 
Other Checks and Cash Items 
 
2,082 58 Notes and Bills Rediscounted 1,559,779 57 
 
Customer's Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money 
 
Ovaenrcdersaft-s--(-if--a-n-y--) --_-_-_-_-__--_ 
 
32,000 00 Liability on Letters of 113 40 Credit, and Acceptances_- 
 
32,000 00 
 
Other Assets: 
 
Reserve for Interest and 
 
Accounts Receivable ____ - _ Prepaid Interest _________ _ 
 
44,283 62 Taxes -----------------16,697 52 Other Liabilities: 
 
12,437 63 
 
Accrued Interest ---------Safe Deposit Vaults. ____ ._ 
 
50,343 77 Accounts Payable ________ 25,098 98 Unearned Discount __ - _-- _- 
 
5,147 01 22,435 14 
 
Total -------------------$4,441,152 98 Total -------------------$4,441,152 98 
 
 FIRST ANNUAL REPORT 
 
39 
 
EXAMINER'S B.EPOB.T. 
BANK OF WEST END, ATLANTA. 
 
At Close of Business November 4, 1920. 
 
P,resident-W. S. W'itham. Jr. V!Ce-President-R. I. Barge. Cashier-H. T. Kilpatrick. 
 
Directors-Geo. N. Anderson, B. C. Trenton, Roy Dorsey. 
 
Date of Charter-March 12, 1915. 
 
Began Business-March 26, 1915. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$191,583 04 Capital Stock Paid In _______ $ 25,000 00 Demand Loans - _- _-- _______ 3,900 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds_________ 
Other Stocks and Bonds _____ Banking House ------------Furniture and Fixtures______ 
 
23,021 47 844 00 
--------6,573 00 3,671 00 
 
Surplus Fund --------"----Undivided Profits ----------- 
Dividends UnpaJd -----------Due to Banks in this State __ Due to Banks in other States 
 
3,300 00 1,266 95 
6 00 
 
Other Real Estate Owned ____ --------- CaJI Money ---------------- 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
and other States __________ 14,500 00 Check ------------------- 152,332 89 
 
Currency __ --- _____________ 18,543 00 Demand Certificates of Deposit 
 
Gold ----------------------- 1,385 00 Time Certificates of Deposit_ 6,284 99 
 
Silver, Nickels, Pennies_____ 1,131 87 Savings Deposits --------- 82,206 83 
 
Advances on Cotton_________ _________ Cashier's Checks __________ _ 
 
539 79 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
130 01 
 
ties ---------------------- --------- Bills Payable -------------- 
 
Checks for Clearing House__ 9,783 37 l'\otes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
783 55 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances -- _---- ____ - _____ ___ _________ and Acceptances _________ _ 
 
Overdrafts (if any) --------- --------- Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ---------- 
 
CDaesphosSithoorsrt' -G-u--a-ra-n--te-e---F-u-n-d-_- 
 
29 52 3,120 95 
 
Total---------------------$271,067 46 Total---------------------$271,067 4? 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$161,962 92 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 1,900 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 28,322 41 Surplus Fund-------------- --------- 
 
United States Bonds________ 
 
844 00 Undivided Prqfits ----------- 5,103 28 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid------------ 
 
6 00 
 
Banking House ------------- 6,702 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures______ 3,671 00 Due to Banks in other States --------Other Real Estate Owned____ _________ CaJI Money ________ - ___ - ___ ________ _ 
 
Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency -----------------Gold ----------------------Silver, NickelR, Pennies_____ Advances on Cotton_________ Advances on other Commodi- 
ties ______________________ 
 
19,676 21 Individual Deposits Subject to 
 
Check ------------------- 137,185 70 
 
6,n5 46 DemandCertificatesofDeposit --------- 
 
15,824 00 Time Certificates of Deposit_ 6,300 34 
 
1,492 50 Savings Deposits ----------- 88,684 29 
 
1,298 12 Trust Funds on Deposit_ ____ --------- 
 
_________ Cashier's Checks __________ _ 
 
264 25 
 
Certified Checks ____________ ________ _ 
 
_________ Bills Payable ______________ ________ _ 
 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
atenrcsesof__C_r_e_d_i_t__a_n_d_ -A__c_c_e_p_t-_ 
 
14,315 24 Notes and BiJls Rediscounted _________ Certificates of Deposit for 
Borrowed Money --------_________ LiaanbdiliAtyccoenptLaentcteesrs_o__f _C_r_e_d_i_t,_ 
 
--------- 
--------______ - __ 
 
Overdrafts (if any) --------- --------- Reserveforinterest and Taxes --------Other As&ets --- __ --- __ --- __ - ________ Other Liabilities ________ - __ -- __ --- __ 
 
TotaL _________________ -- -$262,543 86 TotaL ____________________ $262,543 86 
 
 40 
 
BANKING DEPARTMENT 
 
EXAMilii'EB'S BEPOBT. 
 
CENTRAL BANKING AND TRUST CORPORATION, ATLANTA. 
 
President-Asa. G. Candler, Jr. Vice-President&-Jno. S. Owens, Walte T. 
 
Candler, Henry C. Heinz. Cashier-Carl H. Lewis. 
 
Directors-E. R. Black, Asa G. Candler, C. H. Candler, W. T. Candler, C. F. 
 
Coggins, L. J. Daniel, Edgar Dunlap, W. B. Hamby, W. C. Harper, 
 
H. G. Hastings. H. C. Heinz, C. B. Howard, Sam 0. Jones, 
 
W. B. Jones, G. C. King, M. M. Nixon, G. F. 
 
Willis, Jno. S. Owens, R. A. Mc- 
 
Tyer, Norman C. Miller, 
 
A. Montgomery. 
 
Date of Charter-November 28, 1905. 
 
Began Business-February 6, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ____ . _________ .$8,461,235 66 Capital Stock Paid In .. _.. $1,000,000 00 
 
Demand Loans ___ . _______ _ 525,110 17 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund __________ __ 425,000 00 
 
Estate ------------------ 772,906 14 Undivided Profits ........ . 193,136 86 
 
United States Bonds .. ____  711,967 14 Dividends Unpaid _______ __ 
 
124 00 
 
Other Stocks and Bonds.... Banking House _.. __ __ ___ __ 
 
342,525 66 . ________  
 
Due to Banks in this State. Due to Banks in other States 
 
622,748 86 338,7 49 94 
 
Furniture and Fixtures._._ Other Real Estate Owned.. DuAegfernotms A__p_p_r_o_v_e_d__R__e_s_e_r_ve_ Due from other Banks. ___ . Currency  _______________ _ 
GSiollvder,--N-i-c-k-e-l-s,--P--e-n-n-i-e-s-. -_-_ -. Admvoadnicteiess o__n__ _o_t_h_e_r__ C__o_m_ -_ 
 
19,766 26 5,537 78 
633,368 35 874,961 51 
963 91 16 60 
18,189 95 
__ ______ __ 
 
Individual Deposits Subject 
 
to Check --------------- 3,762,710 96 
 
Depmosaintd __C_e_r_ti_f_ic__at_e_s__o_f_ _D_ _e_- 
 
6,243 29 
 
Time Certificates of Deposit 11,071 02 
 
Savings Deposits --------- 3,308,151 73 
 
Trust Funds on Deposi L ___ 
 
8 ~ 6 iifi 
 
Cashier's Checks ---------- 
 
8,247 68 
 
Certified Checks __ __ ___ __ __ 
 
3,568 14 
 
Bills Payable __ __ __ __ __ __ _ 716,000 00 
 
Checks for Clearing House 352,210 R4 Notes and Bills RedisOther Checks and Cash Items 8,472 05 counted _____ ---- _______ 2,309,147 OQ 
 
Customers' Liability on Let- 
 
Liability on Letters and 
 
ters of Credit and Accept- 
 
Credit and Acceptances.. 165,000 00 
 
Ovaenrcdersaft-s--(-if--a-n-y--) --_-_-.-.-_-_-. 
 
165,000 00 Reserve for Interest and 649 40 Taxes -- . -- ---- - -- -- -- - 
 
Other Assets __ ........ __ . 27,387 54 Other Liabilities .. ____ ... 
 
94,837 38 51,656 04 
 
Total ------------------$13,017,339 45 Total ------------------$13,017,339 45 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$8,342,061 35 Capital Stock Paid In ..... $ 950,000 00 
 
Demand Loans _____ .. __ __ _ 503,410 17 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Mitchell Street ...... -- ... 50,000 00 
 
Estate ------------------ 774,398 07 Surplus Fund ------------ 425,000 00 United States Bonds_______ 714,806 34 Undivided Profits --------- 199,194 94 
 
Other Stocks and Bonds... 342,525 66 Dividends Unpaid __ .. ----- 
 
124 00 
 
Banking House _. _. ________ _____  _. _. Due to Banks in this State. 578,559 93 
 
Furniture and Fixtures.... 19,766 26 Due to Banks in other States 266,491 73 
 
Other Real Estate Owned.. 
 
5,537 78 Individual Deposits Subject 
 
Due from Banks in this 
 
Check ________ .... -- __ .. 4,147,648 52 
 
State ------------------- 1,832,746 20 Demand Certificates of De- 
 
Due from Banks in other 
 
posit .. ______ --.------ .. 
 
6,243 29 
 
States -----------------Currency ----------------Gold --------------------Silver, Nickels Pennies .. __ . 
 
717,913 30 Time Certificates of Deposit 11,071 02 48,783 00 Savings Deposits -------- 3,379,277 51 2,760 00 Cashier's Checks ---------- 288,279 55 13,820 78 Certified Checks _---- .. --- 20,189 26 
 
Advances on Cotton________ __ __ ___ __ _ Bills Payable __ ...... -- .. - 716,000 00 
 
Checks for Clearing House. 290,517 33 Notes and Bills Redis- 
 
Other Checks and Cash Items 
 
3,695 11 counted __ ............. - 2,493,147 00 
 
Customers' Liability on Let- 
 
Liability on Letters and 
 
ters of Credit and Accept- 
 
Credit and Acceptances .. 165,000 00 
 
ances ------------------ 165,000 00 Reserve for Interest and 
 
Overdrafts (if any) ------- 
 
3,942 23 Taxes ------------------ 
 
71,160 91 
 
Other Assets: 
 
Other Liabilities: 
 
Interest Accrued but not 
 
Interest Collected, but not 
 
Collected --------------- 25,704 08 Earned ----------------- 40,000 00 
 
Total ------------------$13,807,387.66 Total __________________ $13,807,387 66 
 
 FIRST ANNUAL REPORT 
 
41 
 
EXAMI:NEB'S BEPOBT. 
 
CITY SAVINGS BANK, ATLANTA. 
 
At Close of Business September 30, 1920. 
 
President-S. T. Weyman. Vice-President-W. B. Gibson. Treas.-A. B. Chapman. 
 
Directors-S. T. Weyman, vV. B. Gibson, A. B. Chapman, Geo. W. Connors. 
 
Date of Charter-May 19, 1920. 
 
Began Business-June 5, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ -$ Demand Loans _______ --- __ _ 
 
________ _ ________ _ 
 
Capital Stock Paid In ________ $ Amt. Reserved for Branches 
 
77,000 
 
00 
 
Loans Secured by Real Estate 120,773 38 Surplus Fund-------------- 
 
United States Bonds _________ OBathnekrinSgtoHcokus saen_d__B_o__n_d-s-_-_______ 
 
--------_- _-_-_-_-_-_-_- -_ 
 
UDnivdiidveidnedds PUrnopfaiitds-_-.-_-_-_-_-_-_-_--_ Due to Banks in this State __ 
 
25,320 27 
 
Furniture and Fixtures--____ ________ _ Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 
 
Due from Banks in this State 13,790 61 Individual Deposits Subject to 
 
D uSet a tferso m_ _ _B_ _a_n_k_s_ _ _i n_ _ _ _o_t h_ _e _r Currency ____________ -----Gold ______________________ Silver, Nickels, Pennies_____ 
 
________ _ --- _____ ________ _ ________ _ 
 
DeCmhaenckd C-e-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposit. ___ _ 
 
7,243 72 
 
Advances on Cotton _________ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_ _o_m_m_ _o_d_i_- 
 
--------- CCearsthifiieerd's CChheecckkss . --_-_-_-_-_-_-_-_-_--_ ____ .. __ _ Bills Payable __ .. _________ . _ 
 
25,000 00 
 
Checks for Clearing House .. --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _____ . __ _ 
 
atenrcsesof__C_r_e_d_i_t__a_n_d___A-c-c-e-p-t-- 
 
- _______ _ 
 
Liability on Letters of Credit, and Acceptances ---------- 
 
OOtvheerrdrAafstsset(sif_a_n__y)__-__--_-_-__--_-_-_ -_-_-_-_-__-_-_--_ ORethseerrveLfioabr iIlnittieerses_t _a_n_d__T__a_x_e_s 
 
TotaL ________________ --- -$134,563 99 TotaL ____ --------------- -$134,563 99 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$137,480 90 Captial Stock Paid In _______ $ 82,000 00 Demand Loans _______ -- - -- - - _______ _ Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund-------------- 
 
United States Bonds _________ Other Stocks and Bonds- __ ._ 
 
--------________ _ 
 
UDnivdiidveinddeds UPnropfaiitds 
 
_- _- _-_-_-_-_-_-_-_- -_ 
 
7,983 94 
 
Banking House _______ --- ___ ________ _ Due to Banks in this State._ 
 
Furniture and Fixtures.----- --------- Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money _---.------- _- __ _ 
 
Due from Banks in this State 1,907 03 Individual Deposits Subject to 
 
Due from Banks in other 
CuSrtraetnecsy --__-_-_--. -_-__-_-_--. -__--_-_-__--_ Gold ___________ . __________ 
 
-_ -_-__- _-_-_-_- -_ ________ _ 
 
DeCmhaencdk C-e-r-t-lf-i-c-a-te--s-o-f-D--e-p-o-s-i-t Time Certificates of DeposiL 
Savings Deposits ----------- 
 
4,062 46 
 
Silver, Nickels, Pennies ___ -- _. _.. _. __ Trust Funds on Deposit. __ ._ 
 
Advances on Cotton _________ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
--------- CCearsthifiieerd's CChheecckkss . _-_-_-_-.-.--__-_-_--_ _.. _____ _ Bills Payable _______ .. ____ . _ 
 
22,000 00 
 
Checks for Clearing House._ ________ . Notes and Bills Rediscounted 
 
Other Checks and Cash Items ---- .. - __ Certificates of Depos~t for 
 
Customers' Liability on Let- 
 
Borrowed Money _______ . _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances ______________ - - - -- - - - -- -- - - _ and Acceptances __ . _____ _ 
 
Overdrafts (if any) . _- _. ___ ________ _ Reserve for Interest and Taxes 
 
Other Assets: 
 
and Unearned lnteresL ___ _ 23,463 78 
 
Interest Prepaid ----------- 
 
145 25 Other Liabilities: 
 
Suspense------------------- 
 
23 00 
 
TotaL ______________ ------$139,533 18 Total---------------------$139,533 18 
 
 42 
 
BANKING DEPAR'l'l\1ENT 
 
EXAMINER'S B.EPOB.T. 
 
COLONIAL TRUST COMPANY, ATLANTA. 
At Close of Business November 10, 1920. 
 
President-J. S. Slicer. Vice-Presidents-Jas. C. Williams, Robt. A. Smythe 
 
Jos. H. Williams. Cashier-T. J. Norman. 
 
' 
 
j)irectors-J. S. Slicer, Jas. C. Williams, Robt. A. Smythe, Jos. H. vVilliams, T. J. Norman, Sholto Douglas, Geo. R. Houghton. 
 
Date of Charter-October 22, 1912. 
 
Began Business-October 24, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 10,000 00 Capital Stock Paid In _______ $146,400 00 
 
Demand Loans ------------- 
 
Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 303,172 47 United States Bonds ________ _ 
 
Surplus Fund-------------Undivided Profits ----------- 
 
--------27,385 74 
 
Other Stocks and Bonds. ___ _ Banking House ____________ _ 
 
Dividends Unpaid----------- --------Due to Banks in this State.. --------- 
 
Furniture and Fixtures_--- __ 1,137 68 Due to Banks in other States ________ _ 
 
Other Real Estate Owned.- __ 5,629 53 Call Money----------------- 62,385 19 
 
Due from Banks in this State Due from Banks in other 
 
7,723 12 IndCihveicdkua_l_D__e_p_o_s_i_ts__S_u_b__je_c_t__to_ ________ _ 
 
States ------------------Currency -----------------Gold _-- _--- __ -- _-------- _- 
 
7,633 26 Demand Certificates of Deposit ________ _ 
973 09 Time Certificates of Deposit_ 2,425 60 
Savings Deposits ----------- 24,070 2~ 
 
Silver, Nickels, Pennies ___ - __ 
 
62 73 Trust Funds on Deposit_____ ________ _ 
 
Advances on Cotton. _____ - __ 
 
Cashier's Checks ___________ ________ _ 
 
Advances on other Commodi- 
 
Certified Checks ____________ ________ _ 
 
Chteiecks s -f-o-r--C-l-e-a-r-i-n-g--H-o-u--se--__--_ 
 
Bills Payable--------------- 50,000 0!1 34 61 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and AcceptOvaenrcdersaft_s__(-i-f--a-n-y-)--_-_-_-_-_-_-_- _- 
Other AsS'ets: Collection Account __ -- ___ - __ _ 
Cash Short ----------------- 
 
268 40 
25 00 2 28 
 
Certificates of Deposit for Borrowed Money --------- 
Liability on Letters of Credit, and Acceptances __________ 
Reserve for Interest and Taxes Other Liabilities: Over and Short______________ Accounts Payable----------- 
 
--------- 
________ _ 2,547 87 
60 66 21,611 73 
 
TotaL _____________ - ___ --_ $336,887 08 TotaL---- _______ -- ______ .$336,887 08 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILJTIES 
 
DTiemmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ -_-__-_--- -_-__--- 
 
Capital Stock Paid In ________ $146,400 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 301,047 56 
United States Bonds--------- --------Other Stocks and Bonds______ ________ Banking House __ - _--- ___ - __ - __ ---- _- 
Furniture and Fixtures______ 1.137 68 Other Real Estate Owned____ 6,991 20 
 
Surplus Fund--------------Undivided Profits __ -- _______ 
Dividends Unpaid----------Due to Banks in this State.. CDaulel tMo oBnaenyks__i_n_ -o_th__e_r_S__ta_t_e_s_ 
 
2,000 00 23,472 35 
-----------------_-_-_-_-_-_ _- _- -_ 
 
Due from Banks in this State 5,335 34 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdrenc_y__ _-__--_-_-_-_-__-_--_-_-__--_-_-_-_-_ 
Silver, Nickels, Pennies __ --_Advances on Cotton. _____ -__ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_ _o_m_m_ _o_d_i_- 
Checks for Clearing House.__ Other Checks and Cash Items 
 
~060 29 __2_,_0_0_0__00_ 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates or Deposit_ Savings Deposits ----------- 
 
43 32 Trust Funds on Deposi L---- 
 
- __ -- __ -- Cashier's Checks ----------- 
 
________ _ 
 
Certified Checks - ___ - __ -- __ Bills Payable -------------- 
 
500 00 Notes and Bills Rediscounted 
 
________ _ Certificates of Deposit for 
 
_6_2_,_08- 9___71_ 
2,425 60 24,639 82 ----------------_-------- 
40,000 00 --------- 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
atenrcsesof__C_ r-e-d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances _____ -- _-- 
 
--------- 
 
Overdrafts (if any) -. _- _-- _-- 
 
33 Reserve for Interest and Taxes 2,420 57 
 
Other Assets ___ -- ___ - ___ - _- - _---- _-- Other Liabilities ----------- 15,667 67 
 
Total--------------------$319,115 572 Total--------------------$319,115 572 
 
 FIRST ANNUAL REPORT 
 
43 
 
EXAMI:NEB'S BEPOBT. 
 
EAST ATLANTA BANK, ATLANTA. 
 
At Close of Business November 5, 1920. 
 
President-L. L. Marbut. Vice-President-W. H. McClain. Cashier-R. C. Billings. 
 
Directors-W. H. McClain, E. A. Minor, E. F. Fincher, J. F. Carroll, G. W. l\larbu t, C. C. Crabe!!. 
 
Date of Charter-1911. 
 
Began Business-1911. 
 
RESOURCES 
 
LIABILITIES- 
 
TDiemmea nLdo aLnosa n-s- - -_-_-_-_- -_-_-_-_-_-_- -_$_ _1 1_4_,_5_1_3_ _ _12_ 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
25,000 
 
00 
 
Loans Secured by Re!ll Estate ________ _ United States Bonds________ 1,851 88 Other Stocks and Bonds ______________ _ 
 
Surplus Fund -------------Undivided Profits ----------Dividends Unpaid __________ _ 
 
5,018 03 2,261 66 
 
Banking House ------------- 9,795 00 Due to Banks in this State._ 
 
Furniture and Fixtures______ Other Real Estate Owned.___ 
 
2,740 00 ________ _ 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 12,072 62 Individual Deposits Subject to 
 
DuSetatfersom___B__a_n_k_s__ _i_n__ _o_th__e_r ________ _ DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t 74,024 31 
 
GCoulrdr e n_c_y_ _ _ _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies __ --_Advances on Cotton _________ Adtiveasnc_e_s__o_n__o_t_h_e_r__C__o_m-m- -o-d_i_- 
 
6,124 00 Time Certificates of Deposit. 242 50 Savings Deposits __________ _ 503 17 Trust Funds on Deposit. ___ _ 
--------- Cashier's Checks ------ ____ _ Certified Checks ___________ _ 
____ - ___ _ Bills Payable _____________ _ 
 
Checks for Clearing House._ 1,892 43 Notes and Bills Rediscounted 
 
Other Checks and Cash Items. Customers' Liability on Let- 
 
871 51 CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___f_or_ 
 
9,~60 17 22,310 33 
825 90 
10,000 00 3,000 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _______ ------------Overdrafts (if any) ________ _ 
 
--------- and Acceptances ---------1,038 35 Reserve for Interest and Taxes 
 
Other Assets: C ;D Short ___________ -- _-- _ 
 
Other Liabilities-----------20 00 
 
CasThotSahLo_r_t__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--.-$15-1, 7-0305 
 
82 
-40 
 
Total---------------------$151,700 40 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ 97,479 57 
 
Capital Stock Paid In ______ .$ 25,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds. _______ _ Other Stocks and Bonds. ____ _ Banking House ____________ _ 
 
3,958 60 Surplus Fund -------------1,851 88 UDnivdiidveidnedds UPnropfaiitds -_-_-_-__-_-_-_-_-_--_ 9, 795 00 Due to Banks in this State._ 
 
5,018 93 1, 938 04 
 
Furniture and Fixtures. __  __ Other Real Estate Owned. __ _ 
 
2,740 00 CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 7,479 77 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CGui lrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_ -_ -_ -_ _- _- _- _- _- -_ 
Silver, Nickels, Pennies. ____ _ Advances on Cotton. __ ----_Advances on other Commodi- 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
8,235 242 
 
00 50 
 
Time Certificates of Deposit. Savings Deposits __________ _ 
 
798 62 Trust Funds on Deposit ____ _ Cashier's Checks __________  
 
Certified Checks ___________ _ 
 
57,624 52 
9,620 17 22,078 65 
336 05 
 
Chteiecsks -f-o-r--C-l-e-a-r-i-n-g--H-o--u-s-e-. -__- 
 
Bills Payable--------------- 10,000 00 1,051 86 Notes and Bills Rediscounted 3,000 00 
 
Other Checks and Cash Items 
 
414 22 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_--_ 
 
and Acceptances ---------568 44 Reserve for Interest and Taxes 
 
Other Assets __ - _----------- --------- Other Liabilities------------ --------- 
 
Total---------------------$134,615 46 Total _____________________ $134,615 46 
 
 f 
 
44 
 
BANKING DEPARTMENT 
 
EX:AMINEB.'S BEPOBT. 
FARMERS AND TRADERS BANK, ATLANTA. 
At Close of Busine~s November 3, 1920. 
President-W. D. Manley. Vice-Presidents-J. A. Smith, P. J. Baker. Cashier-L. T. Carter. 
Directors-W. D. Manley, J. A. Smith, P. J. Baker, L. T. Carter. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ --------- Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 22,864 68 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 15,000 00 
 
Other Stocks and Bonds.____ Banking House ------------ 
 
36,585 21,125 
 
00 62 
 
UDnivdiidveidnedds UPrnopfaiitds -_-_-__-_-_-_-_-_-_--_ 
 
2,232 03 
 
Furniture and Fixtures._____ 2,338 20 Due to Banks in this State._ 
 
Other Real Estate Owned ____ Due from Banks in this State 
and other States _________ _ 
 
79,648 63 CDaulel M to oBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 41,306 02 Individual Deposits Subject to 
 
13,701 59 95,000 00 
 
GCoulrdren_c__y- __-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
23,675 930 
 
0000 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
336,048 
 
20 
 
Silver, Nickels, Pennies. ____ _ 1,890 34 Time Certificates of Deposit. 60,324 24 Due from other Banks ______ _ 36,693 98 Savings Deposits ----------- 109,213 21 
 
A dt vi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_ n_ _t m_ _o_d_i_- 
 
________ _ 
 
Trust Funds on DeposiL- _- _ Cashier's Checks __________ _ 
 
5,510 20 
 
Checks for Clearing House___ Other Checks and Cash Items 
 
30,073 3,324 
 
14 21 
 
Certified Checks ____ -- _-- __ _ Bills Payable ______________ _ 
 
l2-5~000- 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
ances ___ ----------------- --------- Borrowed Money --------Overdrafts (if any) --------- 11,214 33 Liability on Letters of Credit, 
 
Other AsS'ets: Depositors' Guarantee Fund. Mutual Fire Ins. Fund _____ _ Bankers Tr. Co. ___________ _ 
Individual Dep. Long ______ _ 
 
and Acceptances ---------- 
 
3,410 95 Reserve for Interest and Taxes 
 
120 3,488 
 
00 30 
 
COathsher LLoinagbil_i_t_ie_s_:___________ _ 
 
39 77 
 
2 53 
 
Total---------------------$787,032 00 Total---------------------$787,032 00 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$439,027 38 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 11,596 93 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 15,000 00 
 
United States Bonds _________ --------- Undivided Profits----------- 2,117 26 
 
Other Stocks and Bonds _____ 36,585 00 Dividends Unpaid----------- 
 
Banking House ------------- 21,125 62 Due to Banks in this State __ 60,579 31 
 
Furniture and Fixtures._____ 2,338 20 Due to Banks in other States 124,500 00 
 
Other Real Estate Owned ______ 79,648 63 Call Money----------------- 
 
Due from Banks in this State 29,822 07 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ________ - _-- ____ - _- 252,910 13 
 
States __________ ____ _____ 74,621 30 Demand Certificates of Deposit. 9, 700 00 
 
Currency ------------------ 10,836 00 Time Certificates of Deposit. 50,648 24 
 
Gold ----------------------- 
 
960 00 Savings Deposits ----------- 110,453 56 
 
Silver, Nickels, Pennies_____ 2,076 09 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 8,477 18 
 
Adtiveasnc_e_s_ _o_n_ _o_t_h_e_r__C_o__m_m__o_d_i_- ______ - __ CBeilrltsifiPeadyaCbhleeck__s __-_-_-_-_-_-_-_-_-_-_--_ 75,000 00 
 
Checks for Clearing House___ 13,263 11 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
437 69 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances ___ ---- __________ --- --------- and Acceptances ___ ------- 
 
Overdrafts (if any) -------- 8,516 71 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities __________ -- 
 
Depositors' Guarantee Fund. 3,410 95 
 
Witham Bank Fire Fund. ___ - 
 
120 00 
 
Total---------------------$734,385 68 Total.--------------------$734,385 68 
 
 \ \ 
 
FIRST ANNUAL REPORT 
 
45 
 
EXAMINER'S BEPOBT. 
 
GEORGIA SAVINGS BANK AND TRUST COMPANY, ATLANTA. 
 
At Close of Business December 18, 1920. 
 
President-Geo. M. Brown. Vice-Presidents-\V. S. Witham, Jr., Jno. W. Grant. 
 
Sec. & Treas.-J. E. Boston. 
Directors-Arnold Broyles, Fred J. Cooledge, Geo. M. Brown, Jno. vV. Grant, W. 
 
S. Witham, Jr., E. Bates Block, .Tno. L. Tye, Elijah A. Brown, W. Car- 
 
roll Latimer, H. M. Patterson, Frank Hawkins, J. E. Boston. 
 
Date of Charter-October 26, 1889. 
 
Began Business-September 1, 1899. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$1,247,354 86 Capital Stock Paid In ______ $ 500,000 00 
 
Demand Loans ------------ 14,470 00 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ____________ _ 150,000 00 
 
Estate -----------------United States Bonds_______ Other Stocks and Bonds____ Banking House __ - _________ 
 
---------- Undivided Profits---------92,777 32 Dividends Unpaid --------- 
876,443 68 Due to Banks in this State_ _________ - Due to Banks in other States 
 
120,993 48 68 00 
 
Furniture and Fixtures____ 19,629 03 Individual Deposits Subject 
 
Other Real Estate Owned __ ---------- to Check---------------- 
 
Due from Banks in this 
 
Demand Certificates of De- 
 
State ------------------- 178,294 39 posit ------------------- 
 
Due from Banks in other 
 
Time Certificates of Deposit 230,882 61 
 
States ------------------ 15,852 50 Savings Deposits---------- 1,299,064 44 
 
Currency ----------------- 
 
3,989 00 Trust Funds on Deposit __ _ 
 
Gold ------------------Silver, Nickels, Pennies____ 
 
1,792 50 Cashier's Checks ---------1,2 40 18 Certified Checks ____ --- ___ _ 
 
Advances on Cotton________ ---------- Bills Payable ------------- 
 
Advances on other Com- 
 
Notes and Bills. Redis- 
 
modities ________________ _--- _---- _ Credit and Acceptances __ 
 
Checks for Clearing House_ 
 
8,589 92 Reserve for Interest and 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,085 00 Taxes -----------------Other Liabilities: Unearned Interest __ --- ___ _ 16-0,408 31 
 
ances ----------------- ------------ Atlanta Title Guarantee Co. 
 
Overdrafts (if any) _---- _- ---------- Cash Long ---- __ - _---- _- _- 
 
Other Assets ---- _--------- 
 
15 64 
 
97 30 19 88 
 
Total -------------------$2,461,534 02 Total -------------------$2,461,534 02 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
HE SOURCES 
 
LIABILITIES 
 
Time Loans---------------$---------- Capital Stock Paid In ______ $ 500,000 00 
 
Demand Loans -- ______ -- _- 
 
8,700 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ------------------ 
United States Bonds------- 
 
1,258,294 10 93,000 00 
 
US unrdpi vl ui ds eFd u nPdr o f-i-t s-- -_-_-_-_-_-_ -_ _- -_ Dividends Unpaid ________ _ 
 
] 50,000 00 
124,857 04 68 00 
 
Other Stocks and Bonds- __ 876,221 00 Due to Banks in this State_ 
 
Banking House ----------- ---------- Due to Banks in other States 
 
Furniture and Fixtures_-__ 19,629 03 Call Money --------------- 
 
Other Real Estate Owned__ Due from Banks in this 
 
---------- IndtoiviCdhueacl k D_e-p-o_s_i_t_s__S_u-b_j_e_c_t 
 
DuSetatferom----B-a-n--k-s--i-n---o-t-h-e-r 214,070 59 Depmosaintd _C__e_r_ti_f_ic_a_t_e_s__o_f__D__e-_ 
 
CuSrtraetnecsy -_-_-_-_--------_-__-_------------- 
 
17,921 48 Time Certificates of Deposit 260,882 61 6,887 00 Savings Deposit----------- 1,304,951 88 
 
Gold _-------------------Silver, Nickels, Pennies_--Advances on Cotton _______ _ Advances on other Com- 
 
1,862 50 Trust Funds on DeposiL __ _ 
 
1,206 85 
---------- 
 
CCearsthifiieerd's CChheecckkss _-_-_-__-_-_-_-_-_--_ Bills Payable ------------- 
 
Chmecokdsitifeosr -C-l-e-a-r-in-g---H-o-u-s-e-_Other Checks and Cash Items 
 
- - -4-, 1-8-8- - -37---------- 
 
Notes and Bills RedisLicaobuilnitteyd -o-n----L--e-tt-e-r-s----o-f 
 
Customers' Liability on Let- 
 
Credit and Acceptances-_ 
 
ters of Credit and Accept- 
 
ReTsaexrvees _f_o_r___In__te__re__s_t __a_n_d_ 
 
Ovaenrcdersaf-t-s--(i-f--a-n-y-)-------------- ---------------------- Other Liabilities _----- _--- 
 
Other Assets-------------- 
 
15 64 Unearned Interest _-------- 
 
77 30 161,159 73 
 
Total -------------------$2,501,996 56 Total -------------------$2,501,996 56 
 
 46 
 
BANKING DEPARTMENT 
 
EXAliiii:NEB'S BEPOBT. 
 
LAKEWOOD BANK, ATLANTA. 
 
At Close of Business December 6, 1920. 
 
President-Howard Parrish. Cashier-W. M. Mitcham. 
 
Directors-F. W. Hancock, W. C. Estes, Isaac Schoen, Dan Goeppes, Wm. B. 
 
Miller, C. F. Moody, J. N. McWill!ams, A. G. Rhodes, W. Y. 
 
Norman, Chas. S. Krueger, Paul S. Etheridge. 
 
Date of Charter-November 17, 1920. 
 
Began Business-December 8, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
--.--------------$ -------- DTiemmeanLdoaLnosans _____________ 
Loans Secured by Real Estate 
 
______  __ --------- 
 
Capital Stock Paid In ......$ 25,000 SAumrpt.luRs esFeurvnedd__f_o_r__B__ra_n__c_h_es_ 
 
00 
 
United States Bonds _________ --------- Undivided Profits----------- 
 
Other Stocks and Bonds ______ Banking House _____________ 
 
--------________  
 
Dividends Unpaid----------Due to Banks in this State._ 
 
Furniture and Fixtures ______ --------- Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money----------------- 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
Due from Banks in other CuSrtraetnecsy --__-_-.--__-_-_-_-_-_-_--.-.-. -__--. 
 
.2_5_,_0_00.. -0-0 
 
DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit. 
 
GSiollvder, -N--i-c-k-e-ls-,--P-e.-n-n-i-e-s.-_-_-_-_- 
 
_- -__- _-_-_-_-_- -_ 
 
Savings Deposits ----------Trust Funds on Deposit._.-_ 
 
Advances on Cotton ..... ____ _____ .. __ Cashier's Checks _.- ... _.- __ 
 
Adtiveasnc_e_s_ .o_n_ _o__th_e_r__C__o_m_m__o_d_i_- ________ _ CBeilrltsifiPedayCabhelecks_____.-__._._.___._._-_.-_ 
 
Checks for Clearing House .. Other Checks and Cash Items Customers' Liability on Let- 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t.- 
OOtvheerrd rAa fstsse t s( i f_.a.n_y. )_ - -- -. -. -. -. -. -. -- 
 
--------- Notes and Bills Rediscounted _____ . _. _ Certificates of Deposit for 
 
Borrowed Money ..... __ -- 
 
____ . ___ _ 
 
Liability on Letters of Credit, and Acceptances---------- 
 
-_-_-_-_-_ _- _- _- - 
 
Reserve for Interest and Taxes Other Liabilities------------ 
 
Total --------------------$ 25,000 00 Total --------------------$ 25,000 00 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -- - - ___ --. _____ - $ Demand Loans _____ - ______ _ Loans Secured by Real Estate 
 
12,045 2,900 
 
00 00 
 
Capital Stock Paid In ......$ SAumrpt.luRs esFeurvnedd __f_o_r . _B_r_a_n_c__h_es_ 
 
25,000 
 
00 
 
United States Bonds. _______ _ Other Stocks and Bonds. ____ _ 
 
UDnivdiidveidnedds UPnrpoafiitds __-_-_-_-_-_-_-_-_--_ 
 
Banking House ____________ _ 
 
Due to Banks in this State._ 
 
Furniture and Fixtures. ____  Other Real Estate Owned. __ - 
 
CDaulel MtooBneaynk_s__i_n_ o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 13,893 98 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--ic-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--_ 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 1,971 00 Time Certificates of Deposit. 
Trust Funds on Deposit. ___ _ 354 04 Savings Deposits __________ _ 
 
6,860 68 238 50 
 
Advances on Cotton. _______ - 
 
Trust Funds on Deposit_ ___ _ 
 
Advances on other Commodi- 
 
Cashier's Checks ___________ _ Certified Checks ___________ _ 
 
241 47 
 
Chteiecsks --fo--r--C-l-e-a-r-in-g---H-o-u--s-e-._- 
 
Bills Payable ______________ _ 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ______ . __ 
 
O vaenrcdersa f t-s- - -( i-f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
Liability on Letters of Credit, and Acceptances---------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Profit and Loss------------- 
 
150 92 Other Liabilities------------ 
 
Total ..... -----------------$32,332 65 Total . -------------------$32,332 65 
 
 FIRST ANNUAL REPORT 
 
47 
 
EXAMINEB'S BEPOBT. 
 
TRUST COMPANY OF GEORGIA, ATLANTA. 
 
At Close of Business December 6, 1920. 
 
President-E. Woodruff. Vice-President-W. C. Wardlaw. Cashier-Geo. B. 
 
Pendleton. 
 
Directors-Robt. C. Alston, W. C. Bradley, J. B. Campbell, W. E. Chapin, Jas. W. 
 
Conway, rw:m. J. Davis, Samuel C. /Dobbs, .Jos-. W. E n1 glis, Jas. E. 
 
Hickey, T. P. Hinman, Harold Hirsch, E. H. Inman, Brooks 
 
Morgan, J. E. Murphy, T. P. Paine, J. C. Payne, 
 
C. A. Wickersham, C. R. Winship, 
 
R. W. Woodruff, D. 
 
Woodward. 
 
Date of Charter-September 21, 1891. 
 
Began Business-1891. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n- -s - -_-_-_-_-_-_-_-_-_-_-_-_$ 
 
787,968 84 635,145 00 
 
Capital Stock Paid In. ____ .$1,000,000 00 Amt. Reserved for Branches _________ _ 
 
Loans Secured by Real 
 
Surplus Fund------------- 1,500,000 00 
 
UnEitsetdatSe ta-t-e-s--B-o-n--d-s-. -_-_-__-_-_--_ Other Stocks and Bonds __ _ Banking House __________ _ 
 
73,250 00 Undivided Profits --------- 
 
24- -s-o-5~oii6- 
 
Dividends Unpaid --------Due to Banks in this State_ 
 
527,242 15 Due to Banks in other 
 
307,249 58 
167 oo 
2,589 70 
 
Furniture and Fixtures. __ _ Other Real Estate Owned._ 
 
292,000 00 InSditvaitdeus al--D--e-p-o-s-i-ts---S-u-b-j-e-c-t 
 
38,545 08 
 
Due from Banks in this and 
 
to Check---------------- 279,847 22 
 
other States -----------Currency ----------------- 
GSiollvder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-_ 
 
183,111 39 Demand Certificates of De3,456 00 posit ____ -- ___ --------- _ 217 73 TSaimviengCserDtiefipcoastietss o_f_D__e_p_o_s_i_t 
 
16,249 89 294,188 43 646,206 31 
 
Due from other Banks _____ _ Advances on Cotton. ______ _ 
 
133 00 TTrreuasst uFreurn'sdsChoenckDs e_p_o_s_i_t______ 
 
---------1,807 30 
 
Advances on other Commodities ---------------- 
 
CBeilrltsifiPeadyCabheleck_s_-__--__--_-__--_-_-_ -_ _ ___1__0_0__00_ 
 
Checks for Clearing House. 
 
1,034 52 Notes and Bills Redis- 
 
Other Checks and Cash Items 
 
26 80 counted ----------------- 300,000 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ____ ___ _ _____ ----- 
 
Ovaenrcdersaf-t-s--(-if--a-n-y-)---_-- -__------- 76,905 31 Other Assets-------------- 2,064,242 19 
 
Reserve for Interest and OtThaexr eLs ia-b-i-l-i-ti-e-s---------------------- 1,02375,,807080 6060 
 
Total -------------------$5,449,829 17 Total -------------------$5,449,829 17 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans---------------$ 800,544 15 Capital Stock Paid ln ______ $1,000,000 00 
 
Demand Loans ------------ 2,193,937 76 Amt. Reserved for Branches ---------- 
 
Loans Secured by Real 
 
Surplus Fund------------- 1,500,000 00 
 
Estate ------------------ 116,750 00 Undivided Profits --------- 303,476 40 
 
United States Bonds------- 
 
9,323 26 Dividends Unpaid --------- 
 
137 00 
 
Other Stocks and Bonds____ 805,096 24 Due to Banks in this State. 
 
2,852 55 
 
Banking House ----------- 527,242 15 Due to Banks in other Furniture and Fixtures ____ ---------- States -----------------Other Real Estate Owned._ 292,000 00 Individual Deposits Subject 
 
39,104 08 
 
Due from Banks in this 
 
to Check _-------------- 331,345 63 
 
State ------------------Due from Banks in other 
States -----------------Currency ----------------Gold --------------------Silver, Nickels, Pennies.___ Advances on Cotton.________ 
 
87,472 40 Demand Certificates of Deposits ------------------ 
161,941 92 Time Certificates of Deposit 7,078 00 Savings Deposits --------120 00 Trust Funds on Deposit_ __ 313 07 Cashier's Checks ---------- 
___ -- __ --- Certified Checks ----------- 
 
140,687 64 172,247 83 638,340 55 
68,304 68 106,638 17 
100 00 
 
Checks for Clearing House. 
 
4,851 69 Bills Payable ------------- ---------- 
 
Other Checks and Cash Items __________ Notes and Bills Redis- 
 
Overdrafts (if any) 
 
---------- counted ----------------- 300,000 00 
 
Other Assets-------------- 27,961 63 Reserve for Interest and 
 
Participation in Edgewood 
 
Taxes ------------------- 35,000 00 
 
Ave. Realty Synd.________ 55,000 00 Other Liabilities ---------- 451,397 74 
 
Liberty Bonds Placed in 
 
Liberty Bonds Placed in 
 
Savings Account -------- 398,800 00 Savings Accounts ------- 398,800 00 
 
Total -------------------$5,488,432 27 Total -------------------$5,488,432 27 
 
 r 
 
I ( 
 
48 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S ltEPOBT. 
 
AUGUSTA SAVINGS BANK, AUGUSTA. 
 
At Close of Business December 4, 1920. 
 
President-P. E. May. Vice-President-T. R. Wright. Cashier-J. G. Meigley. 
 
Directors-P. E. May, C. E. Brown, J. W. Levy; E. A. Pendleton, T. R. wright, 
 
C. D. Oal'r, 'T. L. Fuller, Moses :sluskey, J. G. Meigley. 
 
E. J. Lyon, A. H. Merry. 
 
Date of Charter-October 14, 1879. 
 
Began Business-1882 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----- __ -------- $ 918,576 44 Capital Stock Paid In------$ 100,000 00 
 
Demand Loans ____ -- ___ - __ Loans Secured by Real 
 
17,365 67 
 
Amt. Reserved for Branches Surplus Fund ___________ _ 
 
_________ _ 20,000 00 
 
U nEi st et adt eS t-a-t-e-s- -B-o-n-d- s- - -_-__-_-_- -_ 
 
- -7-3~242- 4ii 
 
Undivided Profits _______ _ Dividends Unpaid __ -- ___ - _ 
 
24,487 13 60 00 
 
Other Stocks and Bonds __ Banking House ___________ _ 
 
59,000 00 Due to Banks in this State ---------47,500 00 Due to Banks in other States ---------- 
 
Furniture and Fixtures ___ _ Other Real Estate Owned __ 
 
3,000 2,162 
 
00 59 
 
IndtoiviCdhueacl kD_e_p_o_s_it_s__S__u_b_j_ect ___________ _ 
 
Due from Banks in this 
 
Demand Certificates of De- 
 
DuSetatferom----B-a-n--k-s--i-n---o-th--e-r 42,237 05 Tipmoesit C-e-r-ti-f-ic-a-t-e-s---o-f---D--e-- ---------- 
 
CuSrtraetnecsy --__-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
GSiollvder,--N-i-c-k-e-l-s,--P--e-n-n-i-e-s-.-_-_ -_ Advances on other Com- 
modities ---------------Checks for Clearing House Other Checks and Cash 
C uIst et ommse r s-'- -L-i-a-b-i-l i-t-y- -o-n- -L-e-t-ters of Credit and Accept- 
 
1,134 97 posit ------------------- 13,875 HI 
 
11,116 00 Savings Deposits --------- 1,019,806 34 
 
Trust Funds on Deposit_ ___ ---------- 
 
1,081 97 Cashier's Checks ________ _ 
 
4,276 59 
 
BCeilrltsifiPeadyaCbhleeck_s__-_-____-_-_-_--_-_-_ _____1_2_3__00_ 
 
6,899 54 Notes and Bills Rediscounted Liability on Letters of 
42 85 Credit, and Acceptances__ ReTsaexrvees -fo__r___In__t_e_r_e_s_t __a_n_d 
 
_--- __ -- __ _________ _ 
646 63 
 
---------- Ovanecredsra-f-t-s---(-if--a-n--y-)--_-_-_---_-_ 
Other Assets ______ -- ___ - __ 
 
Other Liabilities ---------- ---------- 
 
23 76 Cash Long --------------- 
 
77 
 
Over 
 
and 
 
Short 
 
Account_ 
 
__ 
 
_ 
- 
 
- 
 
-10-7 
 
-62 
 
Total -------------------$1,183,383 24 Total -------------------$1,183,383 24 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _____________ .$ Demand Loans __________ _ 
 
837,836 17,300 
 
23 67 
 
Capital Stock Paid IlL ____ .$ 100,000 00 Amt. Reserved for Branches _--------- 
 
Loans Secured by Real 
 
Surplus Fun_d ------------ 20,000 00 
 
U nEi tset da t eS t-a-t -e-s- -B-o-n-d-s- - -_-__-_-_- -_ 
 
83,674 73,242 
 
89 40 
 
UDnivdiidveinddeds 
 
UPnr poafiidt s -_-_-_-_-_-_-_ -_ 
 
25,807 32 60 00 
 
Other Stocks and Bonds._ Banking House ____ -- _____ _ 
Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this 
 
59,000 00 Due to Banks in this State 
 
47,500 00 Due to Banks in other 
 
3,000 00 2,162 59 
 
I nSdt oitvaitCdehuseacl-k-D- -_e_-p_-o_-s_-i_-t_s- 
 
- 
 
S-_-_u-_b-_j-_e-_c-_t 
 
_--- __ ---- 
---------______ - - __ 
 
D uSet a tfer o m- - - -B-a- n- -k-s- -i-n- - -o-t -h-e-r CuSrtraetnecsy --_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
45,108 50 Demand Certificates of De- 
1,115 29 TipmoesiCt e-rt-i-fi-c-a-t-e-s--o-f-D--e-p-o-s-i-t --1-3-,8-7-5---1-6 7,490 00 Savings Deposits---------- 1,009,143 13 
 
Gold---------------------Silver, Nickels, Pennies ___ _ Advances on Cotton __ : __ _ 
Advances on other Commodities ___ - ____ --- __ - __ 
Checks for Clearing House._ Other Checks and Cash 
 
60 00 Trust Funds on Deposit.. 697 59 Cashier's Checks _______ --- 
 
---------- CBeilrltsifiePdayCahbelceks__-_-_-_-_-_-_-_----_-_ 
 
---1-,8-6-1---0-7 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Borrowed Money -------- 
 
---------537 66 54 00 
_--------10,000 00 
---------- 
 
C uIst et ommse r s-'- -L-i-a-b-i-l i-t-y- o- -n- L- -e-t-- 
 
820 42 Liability on Letters of Credit, and Acceptances__ ---------- 
 
- - - - - ters of Credit and Accept- 
Ovanecredsraf-t-s---(-if--a-n-y--) --_-_-_-_-_-_ Other Assets _____________ _ 
 
------3-2--4-3 
 
ReTsaexrvees _f_o_r___In__te__re__s_t __a-n-dOther Liabilities __ -------- 
 
646 63 ---------- 
 
---------- Due Clearing House ------ ____6_7_0_5_6_ 
 
Total ------------------$1,180,902 08 Total ------------------$1,180,902 08 
 
 \ 
 
FIRST ANNUAL REPORT 
 
49 
 
EXAMilii'EB'S BEPOBT. 
 
GEORGIA RAILROAD BANK, AUGUSTA. 
 
At Close of Business December 13, 1920. 
 
President-Jacob Phinizy. Vice-Presidents-Rufus H. Brown, Chas. H. Phinizy. 
 
Cashier-Samuel Martin. 
 
Directors-Jacob Phinizy, Rufus H. Brown, Chas. H. Phinizy, H. D. McDaniel, 
 
W. A. Latimer, J. P. Mulherin, W. B. White, W. J. Hollingsworth, 
 
H. C. Boardman, Fielding Wallace, John Phinizy, 
 
Fra.nk H. Barrett, F. A. Fortson. 
 
Date of Charter-November 15, 1892. 
 
Began Business-December 31, 1892. 
 
RESOURCES 
 
LIABIL1TIES 
 
Time Loans ---------------$7,301,650 41 Capital Stock Paid In ----$1,000,000 00 
 
Demand Loans ------------ 1,118,052 34 Am t. Reserved for Branches _____ - _--- 
 
Loans Secured by Real 
 
Surplus Fund------------- 200,000 00 
 
U nEist et adt eS t-a-t-e-s- -B- -o-n-d-s- - -_-__-_- -_ 
 
- -3-7-, 3-7-2- - -00- 
 
Undivided Profits --------Dividends Unpaid -------- 
 
249,638 79 ---------- 
 
Other Stocks and Bonds __ _ 61,672 00 Due to Banks in this State_ 202,892 02 
 
Banking House ----------- 62,500 00 Due to Banks in other 
 
Furniture and Fixtures ___ _ Other Real Estate Owned__ 
 
- l-8~000 -00 
 
States -----------------Individual Deposits Subject 
 
148,573 15 
 
Due from Banks in this 
 
to Check --------------- 1,898,711 46 
 
CuSrrtaetnecyan_d__in___o_t_h_e_r__S_t_a_t_es_ 
 
808,057 36 Demand Certificates of De211,848 00 posits ------------------ 
 
382,538 33 
 
(S}iolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie--s-__-_--_ 
 
2,202 34,470 
 
1550 
 
Tipmoesit C_e_r-ti-f_ic_a_t_e_s_ __o_f___D__e-_ 
 
_ ________ _ 
 
Advances on Cotton _____ _ 818,429 96 Savings Deposits --------- 3,383,164 26 
 
Advances on other Com- 
 
Trust Funds on Deposit_ ___ ---------- 
 
modities - ---- - -- - -- - - -- - - -- - - -- -- - Cashier's Checks _______ --Checks for Clearing House 202,113 87 Certified Checks _--------- 
 
29,924 31 8,680 88 
 
OtIhteerms C_h_e_c_k_s___a_n__d__ -C- a_s- h_ 
 
Bills Payable------------ ---------73,890 27 Notes and Bills Rediscounted 3,300,000 00 
 
Customers' Liability on LeL ters of Credit and Accept- 
 
CeBrtoifrircoawteesd MofonDeyep_o_s_i_t _ -fo--r _________ _ 
 
o:!~er~ts::..:.-(ir a-:i;;,)- ====== 
 
-- -3~o5ii- i5 
 
Liability Credit, 
 
on and 
 
Letters of Acceptances 
 
_________ _ 
 
Other Ass,ets -------------- 50,923 79 Other Liabilities _________ _ 
 
117 60 
 
Total ------------------$10,804,240 80 Total ------------------$10,804,240 80 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$7,579,009 41 Demand Loans ----------- 613,520 84 
 
Capital Stock Paid In ... $1,000,000 00 Amt. Reserved for Branches _________ _ 
 
Loans Secured by Real 
 
Surplus Fund ------------ 200,000 00 
 
Estate (Not Separated) __ ---------- Undivided Profits --------- 256,182 63 
 
United States Bonds ------ 61,827 51 Dividends Unpaid -------- ---------- 
 
Other Stocks and Bonds ___ _ Banking House _________ _ Furniture and Fixtures____ 
 
37,372 00 Due to Banks in this State 
 
62,500 00 _- _----- __ 
 
DCualel tMo oBnaenyks__in__o_ t_h__er_S__ta__te_s_ 
 
134,033 53 _1_3_7_,8_2__8__52_ 
 
Other Real Estate Owned._ 18,000 00 Individual Deposits Subject 
 
Due from Banks In this State ------------------ 
Due from Banks in other CuSrtraetnecsy --__-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ (}old ________________ ,_____ _ 
Silver, Nickels, Pennies __ :_ 
 
to Check --------------- 5,306,217 05 238,775 47 Demand Certificates of De- 
 
682,228 17 TipmoesiCt e-rt-i-fi-c-a-t-e-s--o-f-D--e-p-o-s-i-t -3-5-7-,5-3-8---3-3 
 
192,421 00 Savings Deposits---------- 3,370,135 00 
 
2,222 36,416 
 
5640 
 
CTarushsiterF'sunCdhseckosn _D__e_p_o_s_i_t____ 
 
---------29,429 75 
 
Advances on Cotton._- ____ _ 
Advances on other Commodities ____ -- _-- __ - _--- 
Checks for Clearing House 
 
949,728 94 Certified Checks ------------------- NBioltless PaanydaBbillles -R-e-d-i-s-c-o-u-n--te-d167,333 33 Certificates of Deposit for 
 
7,323 44 -_-_ _- _- _- _-_-_-_- -_ 
 
Other Checks and Cash 
 
Borrowed Money -------- ---------- 
 
Items ------------------ 109,555 60 Liability on Letters of 
 
Customers' Liability on Let- 
 
Credit and Acceptances_- ---------- 
 
ters of Credit and Accept- 
 
Reserve for Interest and 
 
Ovanecredsra-f-t-s---(-i-f --a-n-y-)---_-_-__--_ Other Assets ____________ - 
 
- -4-7-, 7- 7- 6- - -8-4 ---------- 
 
Ta:J<es __ - - -- - --- --- ----- -Other Liabilities ---------- ---------- 
 
Total ------------------$10,798,688 25 Total ------------------$10,798,688 25 
 
 r 
 
50 
 
BANKING DEPARTMENT 
 
EXAJIIINEB'S BEPOBT. 
 
MERCHANTS BANK, AUGUSTA. 
 
At Close of Business December 15, 1920. 
 
President-A. S. Hatch. Vice-President-E. E. Rosenborough. 
 
Cashier-B. H. E'llison. 
 
DirectorSt---<A. S. Hatch, E. E. RosenbOTough, Wm. A. Lee, J. L Hankenson, W. 
 
P. White, J. C. C. Block, Jr., W'm. H. Barrett, M. B. Edwards, 
 
L. L. Arrington, L. J. Schaul, Milledge Lockhart, 
 
Geo. S. Lombard, H. C. Brown. 
 
Date of Charter--.January, 1904. 
 
Began Business~February 1, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$2,029,381 16 Capital Stock Paid In ______ $ 200,000 00 
 
Demand Loans -----------Loans Secured by Real 
 
62,837 98 ASumrtp.luRsesFeruvnedd f_o_r__B_r_a_n_c__h_es_ 250,000 00 
 
U nEi st et adt eS t-a-t -e-s- -B-o-n-d-s- - -- -- -------- 
 
- -6-0-, 2-0-0- - -0 0- 
 
Undivided Profits---------Dividends Unpaid _______ _ 
 
79,055 23 56 00 
 
Other Stocks and Bonds __ 1,436,606 88 Due to Banks in this State 11,854 22 
 
Banking House --- _---- __ - 44,000 00 Due to Banks in other States 11,996 58 
 
Furniture and Fixtures_____ --- __ ---- _ Call Money --------------Other Real Estate Owned __ 49,150 42 Individual Deposits Subject 
 
Due from Banks in this State and from Banks in 
 
Detmo aCnhdecCke-rt-i-f-ic-a-t-e-s--o-f--D--e-- 855,547 82 
 
C 
 
uortrheenrc 
 
yS 
 
t 
 
a__te_s__ 
 
- 
~ 
 
-_-_-_-_-_ 
 
-_ 
 
_- 
 
_- 
 
_- 
 
_- 
 
-_ 
 
GSiollvder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-__--_ 
 
78,183 53 posit ------------------- 
 
28,781 00 55 00 
 
TSiamviengCserDtifeipcoasteitss o_f__D_e_p_o__si_t 
 
13,515 24 Trust F.unds on DeposiL _-.- 
 
60,334 89 535,458 07 
 
Other Banks ---- --------Advances on other Com- 
 
11,423 83 CCearsthifiieerd's CChheecckkss -_-_-_-_-_-__-_-_--_ 
 
2,269 85 401 61 
 
modities ___ ------------- _-- _- ----- Bills Payable ------------- 540,000 00 Checks for Clearing House 65,407 67 Notes and Bills Rediscounted 43,495 63 
 
Other Checks and Cash C uIst et ommse r s-'- -L-i-a-b-i-l i-t-y- -o-n- -L-e-t-- 
 
3, 790 29 CeBrtoifrircoawteesd MofonDeyep_o_s_i_t __f_or_ Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit, and Acceptances __ 
 
Ovaenrcdersaft-s--(-i-f -a-n--y-)---------------- -----1-36---80- ReTsaexrvees _f_o_r___I_n_t_e_r_e_s_t __a_n_d_ 
 
Other Assets ------------- ---------- Other Liabilities ---------- 
 
Total -------------------$2,590,469 90 Total -------------------$2,590,469 90 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
, Time Loans ---------------$1,693,730 87 Demand Loans ___________ 62,837 98 
Loans Secured by Real Estate ------------------ 335,650 29 
United States Bonds______ 60,200 00 
Other Stocks and Bonds__ 118,606 8~ Banking House ---------- 44,000 00 Furniture and Fixtures __ _______ - __ 
 
Capital Stock Paid In ______ $ Less Amt. Reserved for 
Branches -------------- _ Surplus Fund -----------Undivided Profits _- _____ _ 
Dividends Unpaid --------Due to Banks in this State Due to Banks in other 
 
200,000 00 
50,000 00 250,000 00 
79,055 23 56 00 
1,321 79 
 
Other Real Estate Owned__ Due from Banks in this State Due from Banks in other 
States -----------------Currency _________________ Gold __________ ____ ______ _ 
 
49,150 42 States ------------------ 11,996 58 
 
67,843 52 Call Money --------------- 
 
Individual Deposits Subject 
 
46,763 28,781 
 
84 00 
 
to Check --------------Demand Certificates of De- 
 
866,085 26 
 
55 00 posit __ -- _______ -- _---- __ _ 
 
Silver, Nickels. Pennies____ 13,509 99 Time Certificates of Deposit 
 
Advances on Cotton ------ ---------- Savings Deposits -------- 
 
Advances on other Com- 
 
Trust Funds on Deposit_-- 
 
modities ---------------- ---------- Cashier's Checks ---------Checks for Clearing House 57,772 82 Certified Checks ---------- 
 
Other Checks and Cash 
 
Bills Payable ------------ 
 
Items ------------------ 11,430 49 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit, and Acceptances_- 
 
ances __________________ __________ Reserve for Interest and 
 
60,334 89 535,458 07 
2,269 85 401 61 
540,000 00 43,495 63 
 
Overdrafts-Of any) ------ 
 
141 81 T'axes ------------------ 
 
Other Assets-------------- ---------- Other Liabilities ---------- 
 
Total -------------------$2,590,474 91 Total -------------------$2,590,474 91 
 
 FmsT ANNUAL ihrortT 
 
51 
 
EXAMINER'S BEPOBT. 
 
PLANTERS LOAN AND SAVINGS BANK, AUGUSTA. 
 
At Close of Business December S, 1920. 
 
President-L. C. Hayne. Vice-President-Geo. P. Bates. Cashier-Geo. P. Bates. 
 
Directors-L. C. Hayne, C. P. Boardman, Chas. W. Bowen, Irvin Alexander, J. J. SaX'on, W. B. VonKamp, B. E. Pierce, Milledge Murphey, Geo. T. Lombard, R. J. Bates, Jas. T. Bussey, Jr., J. M. Rainwater, J. E. Reid, Jas. E. Greene, T. M. Philpot. 
 
Date of Charter-1870. 
 
Began Business-1870. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$977,862 17 Capital Stock Paid In ________ $ 50,000 00 
 
Demand Loans ------------ 2.96,352 39 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 300,000 00 United States Bonds ________ 70,140 00 Other Stocks and Bonds ____ 52,725 00 
 
SUunrdpilvuids edFunPdrof-it-s---_-_-_-_-__-_-_-_-- Dividends Unpaid _________  
 
250,000 85,013 206 
 
00 63 35 
 
Banking House------------- 45,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures______ Other Real Estate Owned__ 
 
_ ___ ---- _ _______ - _ 
 
CDaulel 
 
toMoBnaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in other 
States ------------------CG uo lrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_-_-_ 
Silver, Nickels, Pennies_____ Advances on Cotton ________ Adtiveasnc_e_s_ o_n__o_t_h_e_r__C_o_m__m__o_d_i-_ 
 
10,951 45 
25,400 97 6_4_,8_1_9___00_ 
5,147 67 _. ___ - _ ________________ __ 
 
Individual Deposits Subject 
 
Detmo aCnhdeCcker-ti-f-ic-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
456,525 45,472 
 
08 41 
 
Time Certificates of Deposit-_ Savings Deposits __________ _ 994,206 92 
 
Trust Funds on Deposit ___ _ 
 
Cashier's Checks _________ -- 1,403 13 
 
Certified Checks ___________ _ Bills Payable ______________ _ 
 
48 92 
 
Checks for. Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances  _. __________  
Overdrafts (if any) -------Other Assets --------------- 
 
20,774 18 Notes and Bills Rediscounted 954 80 Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit,  _. _ __ _ and Acceptances ---------1,573 73 Reserve for Interest and Taxes 13,128 22 Other Liabilities _--------- 
 
1,953 14 
 
Total -------------------$1,884,829 58 Total -------------------$1,884,829 58 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$965,640 89 Capital Stock Paid In _____ -$ 50,000 00 
 
Demand Loans-------------- 296,352 39 Loans Secured by Real Estate 325,000 00 
 
ASmurtp. luRseseFruvnedd 
 
f_o_r__B__ra_n__c_h_e_s 250,000 00 
 
United States Bonds-------Other Stocks and Bonds_____ 
 
69,300 00 53,565 00 
 
DUinvdiidveinddesd UPrnopfaiitds 
 
-_-_-_ -_ _- _-_- --_-_ 
 
85,872 84 206 35 
 
FBua rnnkiitnugr eHaonuds eF i x- -t u- -r e- -s -_-__-_- -- Other Real Estate Owned ____ 
 
45_,_0_00 __00_ --------- 
 
Due to Banks in this State CDaulel toMoBnaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 3,042 42 Individual Deposits Subject 
 
DuSetatfersom__ B _a.n_k_s___in____o_t_h_er_ 
 
17,831 
 
97 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
458,671 45,472 
 
33 41 
 
CG uo lrdr e n_c_y_ _ -_ _- _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_- -_ 
 
66,392 00 Time Certificates of DeposiL60 00 Savings Deeposits _________ _ 983,832 88 
 
Silver, Nickels, Pennies ____ _ 4,931 87 Trust Funds on Deposit ___ _ 
 
Advances on Cotton ________ --------- Cashier's Checks ___ --.---- 3,367 35 
 
Adtiveasnc_e_s_ _o_n__o_t_h_e_r__C__om__m__o_d_i-_ 
 
Certified Checks _________ --________ _ Bills Payable ___________  __ 
 
55 41 
 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Le.t- 
atenrcsesof__C_r_e_d_i_t__a_n_d___A_c_c-e-p-t-- 
Overdrafts-(if any) ------ 
Other Assets --------------- 
 
34,654 Oo 2,515 59 
___ -----315 87 
12,961 00 
 
Notes and Bills Rediscounted Certificates of Deposits for 
Borrowed Money _________ _ 
Liability on Letters of Credit, and Acceptances---------- 
Reserve for Interest and Taxes Other Liabilities----------- 
 
20,084 43 
 
Total -------------------$1,897,563 00 Total -------------------$1,897,563 00 
 
 r 
! 
 
52 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOB'l'. 
 
UNION SAVINGS BANK, AUGUSTA. 
 
At Close of Business December 7, 1920. 
 
President-Wm. Schweigert. Vice-President-A. S. Morris. Cashier-Thos. S. Gray. 
 
Directors:__G. C. Blanchard, Wm. Schweigert, A. S. Morris, T. S. Gray, G. C. 
 
Blanchard, Carter Burdell, C. Henry Cohen, F. X. Dorr Bowdre Phinizy, J. P. Mulherin, P. H. Rice. 
 
Date of Charter-1891. 
 
Began Business January 3, 1892. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$1,075,896 77 Capital Stock Paid In ______ $ 100,000 00 
 
Demand Loans ------------ 121,879 73 Amt. Reserved for Branches 
 
Loans Secured by Real U nEi st et adt eS t-a-t-e-s- -B-o-n- d- -s - -_-_-_-_ _- -_ 
 
200,000 00 57,700 00 
 
USunrdpivluidseFd uPnrdof-i-ts---- -_-_-_-_-_-_-_-_ Dividends Unpaid ________ 
 
- -7-9-, 9-0-0- - -42_________ _ 
 
Other Stocks and Bonds-_ Banking House _________ _ Furniture and Fixtures ___ _ 
 
118,969 13 
10,000 00 9,935 00 
 
DDuuee ttoo BBaannkkssininotthheirsSStatatetes _-_-_-_-_-_-_-_-_--_ Call Money _____________ ___________ _ 
 
Other Real Estate Owned __ Due from Banks in this 
 
5,240 06 Individual Deposits Subject to Check ___ :___________ 641,018 80 
 
D uSet a ft er o m- - -B-a- n- -k-s- -i-n- - -o-t-h-e-r 
 
96,622 61 Depmoasnitds C_e__rt_i_fi_c_a_t_e_s__o_f__D_e_-_ _________ _ 
 
CuSrtraetnecsy --_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
- -3-0-, 4- 5- 3- - -0-0 
 
Time Certificates of Deposit Savings Deposits _______ _ 
 
51,511 27 882,640 05 
 
GSiollvder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s--__-_--_ Advances on Cotton ______ Advances on other Com- 
 
2,407 50 _ _ _9_, 5_4_4_ _ _21_ 
 
Trust Funds on DeposiL _ Cashier's Checks ________ _ Certified Checks _- _______ _ 
 
Bills Payable __  ________ _ 
 
14,074 90 2,004 58 6,489 63 
92,000 00 
 
Chmecokdsitifeosr -C--le--a-ri-n-g---H-o-u--seOther Checks and Cash 
 
- -2-6-, 1-1-5- - -30 
 
Notes and Bills Rediscounted CeBrtoirfricoawteesd MofonDeyep_o_s_it__f_o_r_ 
 
_______ -- _ 
 
C uIstteommse r s-'- -L-i-a-b-i-l i-t-y- -o-n- -L-e-t-- 
 
3,111 
 
61 
 
Liability on Letters of Credit, and Acceptances ________ 
 
_________ _ 
 
ters of Credit and Accept- 
 
ReTsaexrevse _f_o_r__._I_n-te_r__es_t__ _a_n_d_ _________ _ 
 
Oavnecredsra-f-t-s---(-if--a-n-y-)---_-__-_--- -_ ---2-,9-3-0---0-5 Other Liabilities ---------- ---------- 
 
Total -------------------$1,869,639 65 Total -------------------$1,869,639 65 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,088,073 54 Capital Stock Paid In ----$ 100,000 00 Demand Loans ____________ 131,879 73 Amt. Reserved for Branches 
 
Loans secured by Real Estate ------------------ 
United States Bonds-"---Other Stocks and Bonds-- 
 
Surplus Fund ------------194,200 00 Undivided Profits -------- 
47,700 00 Dividends Unpaid -------128,969 13 Due to Banks in this State 
 
---------79,733 67 
------------------- 
 
Banking House ---------- 100,000 00 Due to Banks in otherStates 
 
Furniture and Fixtures____ Other Real Estate Owned__ Due from Banks in this 
 
9,935 00 Call Money -------------- ---------- 
 
5,240 06 Individual Deposits Subject 
 
to Check _____ ---- __ - __ 
 
635,635 07 
 
State -----------------Due from Banks in other 
States ------------------ 
Currency ---------------Gold --------------------Silver, Nickels, Pennies._ Advances on Cotton ______ 
 
60,656 64 
20,597 99 28,052 00 
2,752 50 4,450 90 ______ ---- 
 
Demand Certificates of Deposits ------ __-------- _- 
Time Certificates of Deposit 
Savings Deposits --------Trust Funds on Deposit __ _ Cashier's Checks --------Certified Checks __ ---- _--- 
 
840 84 50,670 43 
870,890 91 14,047 53 2,104 52 4,567 92 
 
Advances on other Com- 
 
Bills Payable _----------- 92,000 00 
 
modities ___ ---- ___ _ _ ___ _ _______ --- Notes and Bills Rediscounted ___ ------- 
 
Checks for Clearin? House 22.119 81 Certificates of Deposit for 
 
Other Checks and Cash 
 
Borrowed Money ------ _- ---------- 
 
Items ----------------- 
 
2,111 84 Liability on Letters of Credit, 
 
Overdrafts-(if any) ------ 
 
3,632 89 and Acceptances ------ ------------ 
 
Other Assets __ -- _______ -- ---- __ ---- Reserve for Interest and 
 
Treasurer United States____ Revenue Stamps __________ 
 
3,000 00 Taxes ------------------ ---------200 00 Other Liabilities _________ - _- _- _- _--- 
 
War Savings Stamps ____ 
 
1,711 30 Due to Clearing House____ 
 
4,792 44 
 
Total -------------------$1,855,283 33 Total -------------------$1,855,283 33 
 
 FIRST ANNUAL REPORT 
 
53 
 
EXAMINEB'S BEPOBT. 
THE AUSTELL BANK, AUSTELL. 
 
At Close of Business November 24, l 920. 
 
President-F. S. Etheridge. Vice-President-J. D. Parkerson. Cashier-B. H. Veal. 
 
Directors-F. S. Etheridge, M. T. Benson, J. D. Parkerson, R. M. Brown, J. B. Humphries, Chas. F. Benson, L. G. Garrett. 
 
Date of Charter-January 3, 1910. 
 
Began Business-January 20, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
81,835 7, 738 
 
85 64 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
15,000 
 
00 
 
Loans Secured by Real Estate United States Bonds--------Other Stocks and Bonds _____ _ 
 
6,933 
 
15 
 
SUunrdpilvuids edFuPnrdof-it-s---_-_-_-_-_-_-__-_--_ Dividends Unpaid _________ _ 
 
3,145 00 3,208 44 
 
Banking House ____________ _ 
 
Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
2,155 15 CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks ____ -- ___ - __ 5,715 06 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iol vl de r ,- -N- -i-c-k-e-l s-,- -P-e- n- -n-i e- s- -_-__-_- -_ Advances on Cotton ________ _ 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 5,454 00 Time Certificates of Deposit- 
30 00 Savings Deposits _---------372 69 Trust Funds on Deposit--_-- 
Cashier's Checks __ -- __ -- __ - 
 
35,456 12 31,365 47 
163 25 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C__o_m__m_o_d_i_- 
 
Certified Checks - ___ - ___ - __ Bills Payable _____________ _ 10,000 00 
 
Checks for Clearing House __ 
 
36 43 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
157 95 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 14,500 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_-_-_-_ _- -_ 
 
and Acceptances---------2,410 27 Reserve for Interest and Taxes 
 
Other Assets _______ -- __ -- __ 
 
COathsher LLoinagbil_it_i_e_s_:___________ _ 
 
91 
 
TotaL----------------- ---$112,839 l 9 TotaL ___________________ -$112,839 19 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans - ___ - ___________ $ Demand Loans ____________ _ 
 
78,852 8, 702 
 
67 18 
 
Capital Stock Paid In ______ -$ Amt. Reserved for Branches 
 
15,000 00 
 
Loans Secured by Real Estate United States Bonds_- ___ -.-_ Other Stocks and Bonds _____ _ 
 
7,093 15 
 
Surplus Fund -------------Undivided Profits ---------- 
 
Dividends Unpaid ---------- 
 
3,145 00 3,417 06 
 
Banking House ------------ 
 
Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned_- __ 
 
2,155 15 CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 2,821 26 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG oulrdr e n_c_y_ _ _-_ -_ -_ -_ _- _- _- _- _- _- _- _-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton_------_- 
 
] ,496 1'7" DeCmhaencdk Ce-r-t-i-fic-a-t-e-s-o-f--D-e-p-o-R--it 
 
2, 635 30 
 
00 00 
 
TSaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_i_t-_ 
 
417 53 Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks ___ - ___ - __ _ 
 
29,420 93 2,496 67 
40,750 32 
214 18 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C_o_m__m__o_d_i-_ Checks for Clearing House __ 
 
Certified Checks -----------Bills Payable -------------- 10,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit, 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_-__-_-_- -_ 
 
and Acceptances ---------204 05 Other Liabilities------------ 
 
Other Assets --------------- 
 
Total ______________________ J04,407 16 TotaL _____________________ 104,407 16 
 
 BANKlNG DEPARTJ\'t:I~N'l' 
 
EXAMINEB'S BEPOBT. 
 
BANK OF BACONTON, BACONTON. 
At Close of Business October 16, 1920. 
 
'President-R. P. Jackson. Vice-Presidents-J. D. Frazier, R. M. Tiller. Cashier-E. A. McCollum. 
 
Directors-H. P. Jackson, J. D. Frazier, R. M. Tiller, L. C. Fleming. 
 
Date of Charter-April 23, 1907. 
 
Began Business-May, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 91,674 10 Capital Stock Paid In ______ .$ 15,000 00 
 
Demand Loans ------------- 3,015 87 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
20,000 00 Surplus Fund -------------2,050 00 Undivided Profits---------- 
 
--------- Other Stocks and Bonds. ____ _ 
 
Dividends Unpaid ______ ---. 
 
Banking House ------------ 2,007 23 Due to Banks in this State._ 
 
800 00 711 08 
 
Furniture and Fixtures. ___ _ Other Real Estate Owned ___ _ 
 
3,433 45 1,696 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
56,000 ou 
 
Due from Banks in this State 3,555 77 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _- _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
1,295 93 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 22,868 16 
 
333 00 20 00 
 
STaimviengCserDtiefpicoastietss o__f _D__e_p_o__si_L_ 
 
27,008 54 
 
Silver, Nickels, Pennies. ___ _ Advances on Cotton ________ _ A dt vi easn c_e_s_ _o_n_ _o_ t:h_e_r_ _C_o_ _m_m_ _o_d_i _- 
--------- Checks for Clearing House._ --------- Other Checks and Cash Items 
 
73 78 
--------- 
243 44 
 
Trust Funds on Deposi L ___ _ Cashier's Checks --- ____ - __ _ Certified Checks ___________ _ Bills Payable ___ -- ________ _ Notes and Bills Rediscounted Certificates of Deposit for 
 
588 09 10,000 00 
 
Customers' Liability on Let- 
 
Borrowed Money -- _- _---- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_-_ _- _-_- -_ 
 
----27-8---7-0 
 
and Acceptances -- ____ - __ _ Reserve for Interest and Taxes 
 
Other Assets -------------- 3,505 80 Other Liabilities----------- 
 
207 20 
 
Total---------------------$133,183 07 TotaL_-_-- _____ -- ____ - __ .$133,183 07 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLd oLanosans---_-_-_-_-_--_-_-_-_-_-_-_-$_ 78__,_8_8_9___99_ Loans Secured by Real Estate --------United States Bonds._______ 2,242 47 
 
Capital Stock Paid In ______ .$ SAumrpt.luRs esFeurnvded __fo__r __B_r_a_n_c__h_es_ Undivided Profits _________ _ 
 
15,000 800 562 
 
00 00 13 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid _________ _ 
 
Banking House ------------ 2,007 23 Due to Banks in this State._ 
 
Furniture and Fixtures. __ ._ Other Real Estate Owned____ 
 
3,433 1,696 
 
45 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a-te- s_ 
 
31,000 00 
 
Due from Banks in this State 13,411 95 Individual Deposits Subject to 
 
Due from Banks in other States ------------------~ 
 
1,976 99 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t 30,369 42 
 
CG uo lrdr e n_c_y_ _ _-_ -_ _- _- -----------_-_ -_-_-_-_-_-_-_ 
 
_ _1_, 8_5_7_ _0_0_ 
 
Time Certificates Savings Deposits 
 
of Deposit_ ----------- 
 
26,484 54 
 
Silver, Nickels. Pennies.____ 
 
268 76 Trust Funds on Deposi L ___ _ 
 
Advances on Cotton.________ ____ - ___ _ Cashier's Checks ---- ___ --- _ 
 
108 55 
 
Advances on other Commodi- 
 
Certified Checks __ - _____ ---Bills Payable _____________ _ 
 
Chteiecsks--fo--r--C-l-e-a-r-in-g---H-o-u--se--.- ----------------- Notes and Bills Rediscounted 
 
6,500 00 
 
Other Checks and Cash Items _____ -- __ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -- ___ ---- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances---------- 
 
Overdrafts (if any) -------- 
 
73 50 Reserve for Interest and Taxes 
 
Other Assets --------------- 5,574 50 Other Liabilities __________ _ 
 
207 20 
 
Total---------------------$111,031 84 Total .. -------------------$111,031 84 
 
 FIRST ANNUAL REPORT 
 
55 
 
EXAMINEB'S BEPOBT. 
 
BAINBRIDGE STATE BANK, BAINBRIDGE. 
 
At Close of Business October 20, 1920. 
 
President-E. J. Perry. Vice-Presidents-J. w. Callahan, L. E. Fenn. 
 
Cashier-J. J. Walters. Directors-E. J. Perry, J. W. Callahan, J. M. Simmons, J. M. Laing, Gordon 
 
Chason. R. B. Coleman, E. J. Willis. 
 
Date of Charter-February 1, 1901. 
 
Began Business-1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$766,504 16 Capital Stock Paid In-------$100,000 00 
 
DL oeamnasnSde cLuoraends b y- - R- -e-a-l-E- -s-t-a-t e- 
 
_5_2_,_4_6_1__62 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
------- 20,000 00 
 
United States Bonds _________ 10,170 00 Undivided Profits ---------- 93,743 37 
 
Other Stocks and Bonds _____ --------- Due to Banks in this State._ 2,438 24 
 
Banking House -----------Furniture and Fixtures_____ 
 
17,190 00 7,336 65 
 
CDaulel MtooBneaynk_s- _i_n- _o-th--e-r__S_t_a-te_s_ 
 
_1_9-,3- 1_2___54_ 
 
Due from Banks in this State 80,495 59 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies.____ 
 
19,895 73 
 
DeCmhaenckd Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
421,548 374 
 
30 44 
 
19,750 . 322 
 
00 50 
 
Time Certificates Savings Deposits 
 
of Deposit. 126,227 ___ - -- _-- - - 162,131 
 
05 26 
 
2,182 26 Trust Funds on Deposit_ ____ --------- 
 
Advances on Cotton _________ --------- Cashier's Checks _---------- 1,920 97 
 
Adtiveasnc_e_s_ _o_n_ _o_t_h_e_r__C_o__m_m__o_d_i_- ________ _ ~'M~fie~a~~~1~s ~~~~~~~~~~~~ -4-o:ooii-iiii 
 
Checks for Clearing House __ 8,880 52 Notes and Bills Rediscounted __ ----- __ 
 
Other Checks and Cash Items 
 
19 70 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit, 
 
ances - _______ --- __ ------- __ ---- __ _ and Acceptances ---------- --------- 
 
OOvtheerrdraAfstsset(sif _a_n_y_)___-_-_-_-_-_-_--_ 
 
2,486 63 Reserve for Interest and Taxes --------19 68 Other Liabilities _---.-  -.-.   -.--.-- 
 
Total---------------------$987,715 04 Total.--------------------$987,715 04 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
------------------------------~------------------------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$630,004 39 Capital Stock Paid In. _____ .$100,000 00 
 
Demand Loans ------------- 9,849 04 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 150,750 00 Surplus Fund -------------- 20,000 00 United States Bonds ________ 10,170 00 Undivided Profits ----------- 94,181 96 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ____ - _---- -------- _ 
 
Banking House _-- _________ 17,190 00 Due to Banks in this State_- --------- 
 
Furniture and Fixtures______ 7,394 15 Due to Banks in other States --------Other Real Estate Owned.-__ ________ _ Individual Deposits Subject to 
 
Due from Banks in this State 97,761 25 Checks ------------------ 389,540 01 
 
Due from Banks in other 
 
Demand Certificates of Deposit --------- 
 
States ------------------- 35,883 67 Time Certificates of Deposit_ 91,730 26 
 
Currency ------------------ 18,925 00 Savings Deposits ----------- 157,108 04 
 
Gold ----------------------Silver, Nickels, Pennies.____ 
 
297 50 20,038 37 
 
Trust Funds on DeposiL---Cashier's Checke _____ - _-- _- 
 
--------1,848 91 
 
Advances on Cotton_________ ________ _ Certified Checks _----------- --------- 
 
Adtiveasnc_e_s_ _o_n__o_t_h_e_r__C_o_m__m__o_d_i-_ 
 
________ _ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
130,000 00 --------- 
 
Checks for Clearing House __ 2, 045 80 Certificates of Deposit for 
 
Other Checks and Cash Items 2,719 27 Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
taenrcsesof__C_r_e_d_i_t__a_n-d__A- _c_c_e-p_t-_ 
 
________ _ 
 
and Acceptances - _-------Reserve for Interest and Taxes 
 
---------- ------- 
 
Overdrafts (if any) _______ _ Other Assets ________ ~--- __ _ 
 
___6_0_3___24_ Other Liabilities------------ 
 
--------- 
 
Total---------------------$984,409 18 TotaL __________________  $984,409 18 
 
 r 
! 
 
56 
 
BANKING DEPARTl\iENT 
 
EXAMilii'EB'S BEPOBT. 
DECATUR COUNTY BANK, BAINBRIDGE. 
At Close of Business October 30, 1920. 
President-M. E. Nusbaum. Vice-Presidents-H. F. Wheat, Frank S. Jones. 
Cashier-Frank s. Jones. 
Directors-M. E. Nusbaum, R. F. Wheat, Frank S. Jones, J. E. Donalson, A. H. Belcher, C. E. Glisson, C. J. Acosta, R. A. McTyer, D. 'T. Sutherland, L. A. Freidman. 
Date of Charter-December 26, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$135,062 88 Capital Stock Paid In _______ $ 25,000 00 
 
DLoeamnasnSdecLuoraends b-y--R-e-a-l-E--s-t-a-te- 
 
_2_1_,_3_6_0__26_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
5,000 00 
 
United States Bonds ________ --------- Undivide'd Profits ---------- 16,940 34 
 
Other Stocks and Bonds _____ 36,519 75 Dividends Unpaid ---------- 
 
FBuarnnkiitnugr e Haonuds eF i x-t-u-r-e-s---_-_-_-_-_- 
 
_ _3_, 5__0_0__00_ 
 
Due to Banks in this State-Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ______ -- __ --- __ -- 
 
Due from Banks in this and 
 
Individual Deposits Subject to 
 
CuortrheenrcySta_t_e_s__-_-_-_-_-_-_-_-_-_-_-_-_-_ _2_7_,9_1_0___31_ DeCmhaenckd C-e-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
Gold _______ - - ___ - -- _- - --- - -- -- ---- - Time Certificates of DeposiL 23,252 86 
 
Silver, Nickels, Pennies_____ Advances on Cotton_ ________ 
 
________ _ ________ _ 
 
Savings Deposits ____ - _____ _ 154,160 Trust Funds on Deposi L ___ _ 
 
00 
 
Adtvieasnc_e_s__o_n_ _o_t_h_e_r__C_o_m__m__o_d_i-_ 
 
________ _ 
 
Cashier's Checks ----------Certified Checks _____ --- __ -- 
 
Checks for Clearing House__ ________ _ Bills Payable ____ -- __ --- __ -- 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t -_ 
 
________ _ 
 
Borrowed Money --------Liability on Letters of Credit, 
 
OOtvheerrd rAa fstsse t s( i f_ _a_n_y_)_ _ -_-_-_-_-_-_-_-_ 
 
-_-_-_-_-_-_ _- _- -_ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Liabilities _____ - ____ -- 
 
Total---------------------$224,353 20 TotaL _______________ -- ---$224,353 20 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$153,492 38 Capital Stock Paid In _______ $ 2_5,000 00 
 
DL oeamnasnSde cLuoraends b y- - R- -e-a-l-E- -s-t -a-t e- 
 
_1_7_,_9_3_1__72_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--------5,000 00 
 
United States Bonds _________ Other Stocks and Bonds _____ 
 
--------36,519 75 
 
DUinvdiidveinddesd UPnropfaiitds 
 
-__-_--- -_-_-_-_-_-_ 
 
_1_8_,7__3_3__33_ 
 
Banking House ------------ 2,500 00 Due to Banks in this State-- _- ___ - __ _ 
 
Furniture and Fixtures______ Other Real Estate Owned ____ 
 
1,000 00 --------- 
 
Due to Banks in. other States Call Money _________________ 
 
________ _ ________ _ 
 
Due from Banks in this State Due from Banks in other 
 
9,177 57 InCdihveicdkua_l_D__e_p_o_s_i_ts__S_u_b_j_e_c_t_t_o_ ________ _ 
 
States ___________________ 1, 113 41 Demand Certificates of Deposit ________ _ 
 
Currency ________ - ___ -- __ - _ Gold _______________________ Silver, Nickels. Pennies_____ 
 
________ _ ________ _ ________ _ 
 
Time Certificates of Deposit_ STarvuisntgFs uDndeps oosintsD-e-p-o-s-it-_-_-_-_-_- 
 
25,671 64 1_4_7_,3_2__9__86_ 
 
Advances on Cotton _________ --------- Cashier's Checks ___________ ________ _ 
 
Advances on other Commodi- 
 
Certified Checks _--- _-- ___ -- _- ___ -- __ 
 
Chteiecsks__f_o-r- _C_l-e-a-r-in-g---H-o-u-s-e-_-_- 
 
-_ -_ _- _-_-_-_-_- -_ 
 
Bills Payable--------------Notes and Bills Rediscounted 
 
--------_____ -- __ 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _________ - ____ -- __ 
 
ters of Credit and Acceptances -------------------Overdrafts (if any) -------Other Assets ______ --------- 
 
------------------------- 
 
L iaanbdi l iAt yc coenp tLa ne tcteesr s_ _o_f_C_r_e_d_i_t_, Reserve for Interest and Taxes Other Liabilities ____________ 
 
________ _ _____ - __ _ _-- __ -- __ 
 
TotaL--------------------$221,734 83 Total---------------------$221,734 83 
 
 FIRST ANNUAL REPORT 
 
57 
 
EXAlllli:NEB'S B.EPOB.'J!'. 
 
CITIZENS BANK AND TRUST COMPANY, BAINBRIDGE. 
At Close of Business November 1, 1920. 
 
President-H. B. Bhrlick. Vice~Presidents-H. L. Gans, Max K. Walecki. 
 
Cashier-E. F. Vickers. 
 
DiJ'ectorSl--H. B. :Ehrlick, H. L. Gans, Max K. Walecki, H. W. Morlin, J. B. 
 
Ehrlick, J. H. Emanuel, J. C. Hale, L. Ball, H. D. Trawick. 
 
Date of Charter-November 11, 1911. 
 
Began Business-November, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$538,186 65 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 44,964 93 Amt. Reserved for Branches --------Loans Secured by Real Estate --------- Surplus Fund -------------- 20,000 00 United States Bonds________ 4,900 QO Undivided Profits ----------- 24,228 46 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- --------- 
 
Banking House------------Furniture and Fixtures_____ 
 
- 
 
-----4,500 
 
00 
 
Due to Banks in this State __ Due to Banks in other States 
 
----------------- 
 
Other Real Estate Owned____ _________ Call Money ________________ ________ _ 
 
Due from Banks in this and 
 
Individual Deposits Subject to 
 
other States ------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton _________ Advances on other Commodi- 
 
73,621 35 18,559 00 
400 00 3,322 30 -------- 
 
Check ------------------- 176,861 91 
 
Demand Certificates ofDeposit ---.------ 
 
Time Certificates of Deposit- 164,540 59 
 
Savings Deposits ----------- 99,747 40 
 
Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ 
 
--1-,995 - i s 
 
ties ---------------------Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
--------25,282 47 
402 59 
 
Certified Checks -----------Bills Payable -------------- 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _________ 
 
1,167 22 60,000 00 67,768 98 
________ _ 
 
ances -------------------- 
 
402 59 Liability on Letters of Credit, 
 
Overdrafts (if any) -------- 
 
418 33 and Acceptances---------- --------- 
 
Other Assets --------------- 1,752 10 ORethseerrvLeifaobrilIintiteesre_s_t_a_n_d__T_a_x_e_s_ -_-_-_-_-_-__-_--_ 
 
Total---------------------$716,309 72 Total---------------------$716,309 72 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$415,755 92 
Demand Loans ------------- 38,855 92 Loans Secured by Real Estate 117,620 68 United States Bonds __.______ 5,950 00 Other Stocks and Bonds _____ --------Banking House------------- --------Furniture and Fixtures_----_ 4,050 00 
 
Capital Stock Paid In _______ $100,000 00 
 
Amt. Reserved for Branches --------- 
 
Surplus Fund -------------- 20,000 00 
 
Undivided Profits ---------- 23,000 76 
 
Dividends Unpaid ---------- --------- 
 
Due to Banks in this State__ 
 
176 46 
 
Due to Banks in other States ________ _ 
 
Other Real Estate Owned ____ Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ 
Advances on Cotton _________ 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept. ances ___________ --------- 
Overdrafts (if any) -------Other Assets: Bonds Borrowed ___________ - 
 
--------14,860 34 
14,684 00 13,423 00 
355 00 4,380 06 --------8,360 94 --------- 
----------------24,300 00 
 
Call Money ---------------- --------Individual Deposits Subject to 
Check ------------------- 123,388 44 Demand Certificates ofDeposit --------Time Certificates of Deposit_ 172,040 59 Savings Deposits ---------- 102,299 74 Trust Funds on Deposit-____ ________ _ 
Cashier's Checks ----------- 3,039 39 Certified Checks ------------ --------Bills Payable -------------- 40,000 00 Notes and Bills Rediscounted 56,048 04 Certificates of Deposit for 
Borrowed Money - Bonds 
Borrowed ---------------- 24,300 00 LiaanbdiliAtyccoenptLaentcteesrs__o_f_C_r_e_d_i_t_, ________ _ 
 
Collection Items----------Profit and Loss ------------ 
Cash Short----------------Overdrafts----------------- 
 
1,314 78 Recoveries ----------------- 
 
75 00 
 
38 00 Other Liabilities ____ - _- _--- _ ________ _ 
 
16 20 
 
403 79 
 
Total---------------------$664,368 42 Total---------------------$664,368 42 
 
 58 
 
BANKING DEPARTMENT 
 
E:XAMilii'EB'S BEPOBT. 
 
BALDWIN STATE BANK, BALDWIN. 
At Close of Business September 30, 1920. 
President-W. A. Shore. Vice-President-B. W. Grant. Cashier-E. C. Addy. Directors-W. A. Shore, B. W. Grant, E. C. Addy, W. L. Shore, H. E. Hamlin, 
Mrs. T. C. Chandler. Date of Charter-November 7, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$167,050 95 Capital Stock Paid In _______ $ 15,000 00 
 
--(ioo-oo DLoemanasndSeLcuoraends b-y-R--e-a-l-E--s-t-a-t-e 
 
--------- 
 
Amt. Reserved for Branches Surplus Fund-------------- 
 
United States Bonds ________ Other Stocks and Bonds.____ 
 
500 00 UDnivdiidveinddeds PUrnopfaiitds-_-_-_-_-_-_-_-_-_--_ 
 
10,257 09 16 00 
 
Banking House ------------- 3,300 00 Due to Banks in this State._ 
 
Furniture and Fixtures._____ Other Real Estate Owned ____ 
 
2,098 50 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
7,500 00 
 
Due from Banks in this State 
 
294 74 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder,--N--i-c-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--_ 
 
"2,743 53 DeCmhaenckd Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
1,532 480 
 
00 00 
 
TSiamviengCserDtiefpicoastietss o_f__D__e_p_o_s_i_t__ 
 
918 10 Trust Funds on DeposiL ___ _ 
 
72,531 52 52,271 58 
 
Advances on Cotton _________ A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
--------________ _ 
 
CC~esrhtiifeire'ds CChehcekcsk_s_-_-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ 
 
118 GO 25,000 00 
 
Checks for Clearing House __ 
 
!'i94 46 Notes andBillsRediscounted ---------- 
 
Other Checks and Cash Items 1,422 98 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ - __ - __ 
 
atenrcsesof__C_r_e_d_ i_t__a_n_d_ _A__c_c_e_p_t-_ 
 
____ - ___ _ 
 
Liability on Letters of Credit, and Acceptances---------- 
 
Overdrafts (if any) __ - ____ _ Other Assets _______________ 
 
_ _3_, 4__6_4__11_ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Cash Long __ - _____________ _ 
 
1,457 31 12 04 
 
Total---------------------$185,499 17 Total _____________________ $185,499 17 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DT iemmea nLdo aLnosa n-s- - -_-_-_-_- -_-_-_-_-_-_- _- $_ _1 2_6_,_8_6_0_ _ _2 2_ 
 
Capital Stock Paid In-------$ Amt. Reserved for Branches 
 
15,000 
 
00 
 
Loans Secured by Real Estate United States Bonds________ 
 
25,569 00 1,100 00 
 
SUunrdpilvuids edFuPnrodfi-t-s--_-_-_-_-_-_-_-_-_--_ 
 
10,843 33 
 
Other Stocks and Bonds_____ 
 
500 00 Dividends Unpaid _________ _ 
 
Banking House -------~----- 3,300 00 Due to Banks in this State._ 2,5()0 00 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
2,098 50 ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks In this State Due from Banks in other 
States ------------------Currency -----------------Gold _____ -----------------Silver, Nickels, Pennies. ___ _ Advances on Cotton_________ 
Adtiveasnc_e_s__o_n__o_t_h_e_r_ _C_o_m__m__o_d_i-_ 
Checks for Clearing House._ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances __________ ---------Overdrafts (if any) -------- 
 
2,580 99 Individual Deposits Subject to 
 
2,436 87 DeCmhaenckd C-e-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
3,403 980 
 
00 00 
 
TSaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_i_t__ 
 
690 35 Trust Funds on Deposit_ ___ _ ________ _ Cashier's Checks ----------- 
 
________  CBeilrltsifiePdayCahbelecks__-_-_-_-_-_-_-_-_-_-_-_-_ 
 
______ - _- Notes and Bills Rediscounted 239 91 Certificates of Deposit for 
Borrowed Money --------Reserve for Interest and Taxes --------- Other Liabilities __________ 2,136 ll6 
 
50,551 38 54,803 29 
207 78 35,000 00 
6,480 00 
 
Other Assets --------------- --------- 
 
Total _____________________ $174,385 78 TotaL ____________________ $17 4,385 78 
 
 FIRST ANNUAL REPORT 
 
59 
 
EXAMINEB'S BEPOBT. 
 
BALL GROUND BANK, BALL GROUND. 
 
At Close of Business July 15, 1920. 
 
President-H. M. Thompson. Vice-President-H. H. Hardin. Cashier-T. W. Price. 
 
Directors-H. M. Thompson, H. H. Hardin, T. W. Price, G. C. McClure. 
 
Date of Charter-May 18, 1918. 
 
Began Business-July 10, 1918. 
 
RESOURCES 
 
. LIABILITIES 
 
Time Loans ----------------$115,248 41 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 4,640 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
1,060 00 --------- 
 
SUunrdpilvuisdeFd unPdrof-it-s---_-_-_-__-_--------- 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ______ ---- 
 
1,000 00 4,508 57 
 
Banking House ------------- 3,500 00 Due to Banks in this State __ 1,285 31 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
2,702 00 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 10,103 20 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
3,662 17 DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 89,032 88 
 
CG uo lrdr e n_c_y_ _ __- -_-_ -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
_ _3_, 5_2__3__00_ 
 
Time Certificates of DepositSavings Deposits _______ -- __ 
 
35,905 26 3,575 83 
 
Silver, Nickels, Pennies_____ Advances on Cotton_________ 
 
1,078 66 ________ _ 
 
Cashier's Checks ----------Certified Checks ________ ---- 
 
A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Bills Payable ______________ _ Notes and Bills Rediscounted 
 
Checks for Clearing House__ ________ _ Certificates of Deposit for 
 
497 62 
 
Other Checks and Cash Items 3,331 13 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
atenrcsesof__C__re_d_ i_t__a_n_d_ _A__c_c_e_p_t-_ 
 
________ _ 
 
and Acceptances ____ ----Heserve for Interest and Taxes 
 
Overdrafts (if any) -------- --------- Other Liabilities ----------- 
 
Other Assets --------------- 2,956 90 
 
Total---------------------$150,805 47 TotaL _________________ -- _$)50,805 47 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$129,458 75 Capital Stock Paid In ______ -$ 15,000 00 
 
Demand Loans ------------- 5,950 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund __ - _______ ---- 
 
United States Bonds ________ Other Stocks and Bonds_____ 
 
--------________ _ 
 
Undivided Dividends 
 
Profits ----------Unpaid ______ ---- 
 
1,000 00 4,947 59 
 
Banking House ------------- 3,500 00 Due to Banks in this State-- 
 
Furniture and Fixtures_____ 3,350 27 Due to Banks in other States Other Real Estate Owned____ ________ _ Call Money ---------------Due from Banks in this State 5,631 81 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n-c-y- - - ------ -__-_-_-_- -- -- ---- -- -_-_-_-_-_ 
 
309 55 __2_,_9_52- --0-0 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savjngs Deposits _____ ------ 
 
82,686 57 40,506 51 
1,069 71 
 
Silver, Nickels, Pennies_____ 1,378 75 Trust Funds on Deposit----- 
 
Advances on Cotton _________ Advances on other Commodi- 
 
--------- 
 
CCearsthifiieerd's CChheecckkss __-_-_-_--- -_-_-__-_--_ 
 
277 65 
 
ties __ --- _- _____ ------ -- __ Checks for Clearing House__ 
 
____ ----________ _ 
 
Bills Payable -------------- 10,000 00 Notes and Bills Rediscounted ---------- 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ -- _---- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances --------- 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities _______ ---- 
 
Mutual Fire Funds_--_______ 
 
120 00 
 
Depositors' Guarantee Funds 2,836 90 
 
TotaL ____________ -- ______ $155,488 03 TotaL--------------------$155,488 03 
 
 r 
1 
 
60 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOB'l'. 
 
BARNESVILLE BANK, BARNESVILLE. 
 
At Close of Business July 28, 1920. 
 
President-W. A. Prout. Vice-President-John G. Bush. C'ashier-E. Langford. 
 
Directors.......,w. A. Pwut, John G. Bush, E. Langford, Jno. M. IAnderson, 0. .W. Butler, A. H. English, B. H. Hal'dy, J. S. Milner, B .F. Reeves 
 
Date of Charter-September 14, 1908. 
 
Began Business-September 17, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$203,611 24 Capital Stock Paid In _______ $ 36,800 00 
 
Demand Loans ------------- 2,412 93 Amt. Reserved for Branches Loans Secured by Real Estate --------- Surplus Fund -------------United States Bonds ________ 19,000 00 Undivided Profits ----------- 
 
7,500 00 5,193 30 
 
Other Stocks and Bonds----- --------- Dividends Unpaid----------Banking House -- ___________ _________ Due to Banks in this State __ 
 
168 00 
 
Furniture and Fixtures______ 3,500 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 
 
Due from Banks in this State Due from Banks in other 
 
6,026 37 Individual Deposits Subject to Check ________ ----------- 
 
so. 338 98 
 
States ------------------- 1,893 07 Demand Certificates ofDeposit Currency _________ - _- _-- __ _ 7,352 00 Time Certificates of DeposiL 3,550 00 
 
Gold ----------------------- 
 
20 00 Savings Deposits ----------- 52,867 13 
 
Silver, Nickels, Pennies_____ 1,577 58 Cashier's Checks ----------- 
 
62 73 
 
Advances on Cotton_-------- --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 50,000 00 
 
ties __ -------------------- --------- Notes and Bills Rediscounted 10,640 00 
 
Checks for Clearing House_- 
 
116 60 Certificates of Deposit for 
 
Other Checks and Cash Items 1,350 44 Borrowed Money --------- 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit, and Acceptances __ - __ -- __ 
 
ances - _------------------ --------- Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- 
 
75 85 Other Liabilities ----------- 
 
Other Assets --------------- 
 
93 25 
 
Cash Short ----------------War Savings Stamps________ 
 
42 87 47 94 
 
TotaL ____________________ $247,120 14 Total _____________________ $247,120 14 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$140,256 70 Capital Stock Paid In _______ $ 36,800 00 
 
Demand Loans ------------- 3,489 06 Amt. Reserved for Branches Loans Secured by Real Estate 41,913 60 Surplus Fund -------------- 
 
7,500 00 
 
United States Bonds ________ 16,150 00 Undivided Profits ---------- 3,470 46 
 
OBathnekrinSgtoHcokus saend___B_o_n_d_s___________ 
 
-_ -_-_-_-_ _- _- _- -_ 
 
Dividends Unpaid __ -- _____ _ Due to Banks in this State_- 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
3,500 00 ____ - _--- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
16,734 46 Individual Deposits Subject to 
 
2,781 63 _ _5_, 4_8_1___00_ 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of DeposiL Savings Deposits __ --- _____ _ 
 
111,270 2,950 
 
06 00 
 
Silver, Nickels, Pennies_____ 
 
841 54 Trust Funds on Deposit- ___ _ 
 
Advances on Cotton_________ 6,615 22 Cashier's Checks ----------- 
 
416 12 
 
Advances on other CommodiChteiceks s -fo--r --C-l-e-a-r-in--g--H-o-u-s-e-_-_- 
 
Certified Checks ------------ 
 
2,364944 
 
2267 
 
Bills Payable ___ ----- _----Notes and Bills Rediscounted 
 
70,000 00 8,640 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances _______ -- _- ------- _- --------- Liability on Letters of Credit, 
 
Overdrafts (if any) ________ 
 
73 74 and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
War Savings Stamps________ 
 
47 94 Other Liabilities ----- _----- 
 
Suspense Account ---------- 
 
130 22 
 
Total---------------------$241,053 64 Total---------------------$241,053 64 
 
 FIRST ANNUAL REPORT 
 
61 
 
EXAMDII'EB/S BEPOBT. 
 
CITIZENS BANK, BARNESVILLE. 
 
At Close of Business July 24. 1920. 
 
President-C. 0. Summers. Assistant Cashier-M. P. Owen. 
 
Directors-C. 0. Summers, E. Rumble, L. A. Collier, V. 0. Marshburn, A. L. Mills, J. M. Means, D. L. Anderson. 
 
Date of Charter-May 7, 1902. 
 
Began Business May 7, 1902 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$305,260 90 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 21,101 68 Loans Secured by Real Estate --------United States Bonds ------- 176,822 00 
 
ASumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c_h__es_ Undivided Profits _________ _ 
 
35,000 00 13,440 48 
 
Other Stocks and Bonds _____ 88,616 11 Dividends Unpaid _________ _ 
 
Banking House -----------Furniture and Fixtures_____ Other Real Estate Owned.___ 
 
1,830 Oo Due to Banks in this State._ 
 
2,436 20 4,830 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 23,238 77 Inuividual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency ----------------GSiollvder,--N--i-c-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--_ Advances on Cotton_________ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ Checks for Clearing House__ 
 
26,305 99 13,801 00 
767 50 1,867 17 ________ _ 
________ _ ________ _ 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 304,970 68 
 
Time Certificates of Deposit. 184,250 28 Savings Deposits __________ _ 
 
Cashier's Checks __________ _ 
 
133 64 
 
Certified Checks ________ - __ - 
 
Bills Payable _____________ _ 65,000 00 
 
Notes and Bills Rediscounted 10,000 00 
 
Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
909 83 Borrowed Money --------Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances __ ------- 
 
ances ______ --------- _- __ - -------- _ Reserve for Interest and Taxes 5,000 00 
 
Overdrafts (if any) -------- --------- Other Liabilities ___ -------- 
 
Other Assets: 
 
Cash Short _______ .- ______ - 
 
7 93 
 
TotaL ___ ------ -----------$667,795 08 TotaL_-- ______ -----------$667,795 08 
 
BANK'I'! STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n- -s- -_-_-_- -_-_-_-_-_-_-_- -_$_ _2 6_3_,_0_3_6___0 4_ 
 
Capital Stock Paid Amt. Reserved for 
 
In _______ $ Branches 
 
50,000 
 
00 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 35,000 00 
 
United States Bonds. _______ 110,133 04 Undivided Profits---------- 9,389 35 
 
Other Stocks and Bonds.____ 45,000 00 Dividends Unpaid __ ---.---- 
 
Banking House _- __ - _______ 1,830 00 Due to Banks in this State.- 
 
Furniture and Fixtures.____ Other Real Estate Owned.___ 
 
2,536 20 4,830 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es 
 
Due from Banks in this State 13,386 22 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-. -_-__- -_ 
 
17,447 68 DeCmhaenckd Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 206,647 66 
 
4, 746 777 
 
00 50 
 
STaimviengCserDtiefpicoastietss o_f__D__e_p_o__s_it_. 
 
94,487 09 
 
1,061 83 Trust Funds on DeposiL---- 
 
Advances on Cotton-0. D. __ 
 
142 78 Cashier's Checks ----------- 
 
111 85 
 
A~v.ances on other Commodi- 
 
Certified Checks ------------ 
 
257 48 
 
Itles ____ ---------- _- --- __ --------- Bills Payable --------------- 70,000 00 
 
Checks for Clearing House._ ________ _ Notes and Bills Rediscounted _--------- 
 
Other Checks and Cash Items 5,706 23 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A__c_c_e_p_t -_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances ---.----- 
 
Overdrafts (if any) ___  ___ _ Other AssPtR __  ________  ___ 
 
___2__5_9__91_ 
 
Reserve for Interest and Taxes Other Liabilities _____ ------ 
 
5,000 00 
 
Total --------------------$470,893 43 Total --------------------$470,893 43 
 
 62 
 
BANKING DEPARTMENT 
 
EXAMIJli"EB'S BEPOBT. 
 
THE BARTOW BANK, BARTOW. 
 
At Close of Business September 13, 1920. 
 
President-T. Y. Smith. Vice-Presidents-\V. L. Harvey and W. C. Evans. 
 
Cashier-J. R. Murphy. 
 
DireetorS'----T. Y. Smith, \V. L. !Harvey, H. E. Futral, W. J. Frost, W. C. Evans. 
 
Date of Charter-December 11, 1902. 
 
Began Bu~iness-January 1, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$183,595 88 Capital Stock Paid In ------ 25,000 00. 
 
Demand Loans-------------- 23,244 99 Amt. Reserved for Branches 
 
Loans Secured by Real Estate -------- Surplus Fund -------------- 5,000 00 United States Bonds ________ --------- Undivided Profits __________ 16,892 25 Other Stocks and Bonds______ 3,800 00 Dividends Unpaid __________________ _ 
 
Banking House ------------ 3,500 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures______ 2,500 00 Due to Banks in other 
 
Other Real Estate Owned __ Due from Banks in this State 
 
-1-1-,422-39 
 
States-------------------Call Money----------------- 
 
--------5,000 00 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States -------------------Currency ------------------Gold _____ - ----------------Silver, Nickels, Pennies______ Advances on Cotton ------Adtvieasnc_e_s__o_n__o_t_h_e_r__C__om__m_ _o_d_i-_ 
Checks for Clearing House__ Other Checks and Cash Items 
 
1,634 18 8,481 00 --------3,626 94 --------- 
_ _______ _ 
________ _ 793 36 
 
to Check ----------------- 87,922 76 Depmosaintds _C__e_rt_i_fi_c_a_t_e_s_ _o__f_ _D__e_- ________ _ STaimviengCs eDrteifpiocasitetss _o_f__D_ _e_p_o_s_i_t 1_3_2_,6_2_4___19_ Trust Funds on Deposit---_ ___ --- _-Cashier's Checks ___ -- __ - ___ 1,072 10 Certified Checks ______ - _ _____ _____ -Bills Payable _____ - ________ ________ - 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted --------- 
 
atenrcsesof__C_r_e__di_t__a_n_d__ A__c_c_e_p_t-_ 
 
________ _ 
 
Certificates Borrowed 
 
of Deposit for Money __ -------- 
 
--------- 
 
OOtvheerrdrAasfstse-tsOf__a_n_y_)_ _-__-_--_-_-_-_ 
 
_2_7_,3_2_8___06_ 
 
Liability on Letters of Credit, and Acceptances __ -------- 
 
--------- 
 
Depositors' Guarantee ------ 3,464 50 Reserve for Interest and Taxes ______ -- 
 
Fire Insurance Fund ______ 
 
120 00 Other Liabilities ____________ _____ - _-- 
 
Total --------------------$273,511 30 Total ---------------------$273,511 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$171,175 27 Capital Stock Paid In _____ -$ 25,000 00 
 
Demand Loans ------------- 11,338 52 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 5,500 00 Surplus Fund ------------ 5,000 00 
 
United States Bonds ------ --------- Undivided Profits ---------- 13,953 93 
 
Other Stocks and Bonds ____ 4,025 00 Dividends Unpaid --------- 
 
Banking House ------------ 3,500 00 Due to Banks in this State Furniture and Fixtures ____ 2,500 00 Due to Banks in other ____ -_ 
 
Other Real Estate Owned__ Due from Banks in this State 
 
_ _______ _ 7,768 08 
 
States -----------------Call Money ---------------- 
 
19,000 00 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
!States ------------------ 1,556 27 to Check---------------- 71,484 79 
 
CG oulrdr e n_c_y_ _ -_ -_ -__- -__-_- -__- -_-_-_-_-__- -_-__- -_ Silver, Nickels, Pennies ____ 
 
__4_,6_5_8___00_ 2,849 64 
 
Time Certificates of Deposit Depmoasintd _C__e_r_ti_f_ic_a_t_e_s___o_f__D__e_- 
 
92,448 78 
 
Advances on Cotton ______ 51,598 01 Savings Deposits ---------- 
 
A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_ _m_m_ _o_d_i_- 
 
________ _ 
 
Trust Funds on Cashier's Checks 
 
DeposiL_________ _ 
 
542 30 
 
Checks for Clearing House 725 28 Certified Checks __ --------- 
 
Other Checks and Cash Items ________ _ Bills Payable ____ --------- 44,000 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters and Acceptances _____ ________ _ Certificates of Deposit for 
 
Overdrafts-Of any) 
 
Borrowed Money --------- 
 
Other Assets: 
 
Liability on Letters of Credit, 
 
Depositors' General Fund __ 3,584 50 and Acceptances _______ -- 
 
Reserve for Interest and Taxes 
 
Other Liabilities _________ _ 
 
Total --------------------$271,429 80 Total --------------------$271,429 RO 
 
 FIRST ANNUAL REPORT 
 
63 
 
EXAliii:IBEB'S BEPOB.T. 
 
BANK OF BARWICK, BARWICK. 
 
At Close of Business August 12, 1920. 
 
President-D. L. Chapman. Vice-PresWent-E. D. Barrow. Cashie.--Lawson Hardy, 
 
Dlrectors-'D. S. Chapman, R D. Barrow, B. F. Massey, J. A. Pope, G. W. Holloway, 
 
J. W. Massey, C. M. Massey. 
 
Date of Charter-January 23, 1906. 
 
Regan Business-February 6, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$118,531 H Capital Stock Paid In ___ .$ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ------- 
 
3,220 52 --------- 
2,000 00 
 
ASumrtp.luRs esFeurvnedd _fo__r__B__ra_n__c_h_es_ Undivided Profits _________ _ 
 
5,000 00 2,970 13 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------Banking House ------------ 1,636 83 Due to Banks in this State Furniture and Fixtures_____ 2,535 15 Due to Banks in other 
 
172 00 
 
Other Real Estate Owned ____ Due from Banks in this State 
 
--------10,884 33 
 
C aSl lt a tMe so n e-y- - - -_-_ -_ -_ _- _- _- _- _- _-_-_-_-_- -_ 
 
25,000 00 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------CG uo lrdr e n_c_y_ _ -_ _- _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ___ _ Advances on Cotton ________ 
 
4, 797 91 2,155 00 
 
D et om aCnhde c kC e-r-t-i f-i-c-a-t e- - -o- f- - -D- -e-- 
 
140 00 _ _ _ _63_5_ _ _96_ 
 
STaipmvoiensigtCss eDrt-ei-fp-ioc-as-it-te-ss--_o-_f-_-_D-_-_e-_p-_o-_s_-i-_t 
 
60,655 41 41,997 39 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C_ o_m__m__o_d_i_- 
 
________ _ 
 
Cashier's Certified 
 
Checks Checks 
 
_________ _ _______ - __ 
 
1,038 95 
 
Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
at enrcse so f_ _C_r_e_d_i_t __a_n_d__A_ _c_c_e_p_t -_ 
 
250 10 2,119 92 
________ _ 
 
Certificates of Deposit for Borrowed Money _______ _ 
Liability on Letters of Credit, and Acceptances 
Reserve for Interest and 
 
Overdrafts-(if any) Other Assets: Deposition Quarterly Fund __ 
 
OtThaexr esLia-b-i-l-it-i-e-s-: ----------3,575 60 Deposits and Notes Paid __ 
Cash Long ----------------- 
 
549 46 99 12 
 
Total -------------------$152,482 46 Total -------------------$152,482 46 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$102,183 50 Capital Stock Paid In. ____ .$ 15,000 00 
 
Demand Loans ----------Loans Secured by Real Estate 
 
1,301 9,000 
 
82 00 
 
ASumrtp.luRs esFeurvnedd _f_o_r__B__ra_n__c_h_e_s 
 
United States Bonds _______ 300 00 Undivided Profits _________ _ 
 
Othe': Stocks and Bongs____ ________ _ Dividends Unpaid _________ _ 
 
5,000 00 
1,871 68 168 00 
 
Bankmg House ------------ 1,636 83 Due to Banks in this State 
 
Furniture and Fixtures_____ 2,590 15 Due to Banks in other 
 
Other Real Estate Owned__ Due from Banks in this State 
 
________ _ 5,177 76 
 
C aSl lt a tMe so n e- y- - - -_ -_ _- _- _- _-_-_-_-_-_-_-_- -_- 
 
18,000 00 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------Currency -----------------GSiollvder,--N--ic-k-e-l-s-, --P-e-n-n-i-e-s---_-__--_ 
 
6,625 65 to Check---------------- 
 
3,172 130 
 
00 0 0 
 
Depmosaintd _C__e_r_ti_f_ic_a_t_e_s___o_f__D__e_- 
 
897 30 Time Certificates of Deposit. 
 
Advances on Cotton _______ _ 2, 727 22 Savings Deposits---------- 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C__o_m_m_ _o_d_i_- 
 
________ _ 
 
Trust Funds on Deposit ___ _ Cashier's Checks _________ _ 
 
Checks for Clearing House._ Other Checks and Cash Items 
 
_ _______ _ ________ _ 
 
CBei lrltsi f iPe da y aCbhleec k_s_ _ _-_-_-_-_-_-_-_-_-_- -_ 
 
31,182 88 41,584 46 
1,435 21 21,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Acceptances ________ ------------ 
 
--------- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Overdrafts-Of any) ------ --------- Liability on Letters of Credit, 
 
Other Assets 
 
-------------- 
 
--------- 
 
and Acceptances Reserve for Interest and Taxes 
 
Other Liabilities __________ _ 
 
Total --------------------$135,742 23 Total --------------------$135,742 23 
 
 r 
i 
 
64 
 
BANKING DEPARTMENT 
 
EXAJIIIIlii'EB'S BEPOBT. 
 
BAXLEY BANKING COMPANYY, BAXLEY. 
 
At Close of Business July 13, 1920. 
 
President-P. H. Comas. Vice-President-Ed. Jarman. Cashier-V. H; McQuarrie. 
 
Directors-P. H. Comas, Ed. Jarman, A. J. Johnson, D.' L. Johnson, W. L. Veal. 
 
Date of Charter-March 24, 1902. 
 
Began Business March 24, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$502,523 52 Capital Stock Paid In ------$ 45,000 00 
 
Demand Loans ------------ 1,750 00 
 
Loans Secured by Real Estate --------- 
 
United States Bonds -------Other Stocks and Bonds __ 
 
550 00 625 00 
 
Banking House -----------Furniture and Fixtures_____ 
 
15,462 '< ;;r;~ 
 
5n1o 
 
Amt. Reserved for Branches Surplus Fund ------------Undivided Profits ---------Dividends Unpaid _________ _ 
Due to Banks in this State Due to Banks in other States 
 
20,000 00 907 08 
22,266 oz 
 
Other Real Estate Owned____ 3,500 00 Call Money ---------------Due from Banks in' this State 26,312 40 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 187,047 51 
 
States ------------------- 11,110 70 Demand Certificates of De- 
 
GCoulrdren- c_y____-_-_-_--- -_-_-_-_-_-_-_-_-_-_-_-_-_ 11,35320 0000 TipmoesitCe-r-t-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t 196,769 96 
 
ASidlvvearn,cesNiocnkeClso, ttoPnenn_i_e_s_________ __2_,8_1_5__9_9_ CSaavshiniegrs's DCehpeocskists _-_-_-_-_-_-__-_-_--_ 5,591 85 
 
Adtvieasnc_e_s_ _o_n__o_t_h_e_r__C_o__m_m__o_d_i_Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
at enrcse so f_ _C_r_e_d_i_t __a_n_d__A_ _c_c_e_p_t -_ 
 
_ ________ 
 
CBei lrltsi f iPe da y aCbhleec k_s_ _ _-_-_-_-_-_-_-_-_-_- -_ 
 
5,392 100,000 
 
56 00 
 
313 34 ~otes and Bills Rediscounted 5,000 00 
 
1,395 79 Certificates of Deposit for 
 
Borrowed Money 
 
_ ________ LiaanbdilityAcocnepLteatntceerss of Credit, 
 
Overdrafts- (if any) _____ _ 3,492 48 Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities: Cash Long --------------- 1,816 75 
 
Total --------------------$589,791 73 Total --------------------$589,791 73 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$400,039 35 Capital Stock Paid In _____ .$ 60,000 00 
 
Demand Loans ------------ 2,500 00 Amt. Reserved for Branches _____ ---- 
 
Loans Secured by Real Estate 64,100 00 Bank of Surrency __________ 15,000 00 
 
United States Bonds ______ Other Stocks and Bonds __ 
 
650 00 625 00 
 
SUunrdpilvuisd eFdu nP rdo-f-i t-s- - -_-_-_-_-_-_-_-_-_ _ 
 
_2_0_,0__00---0-0 
 
Banking House ------------ 6,000 00 Dividends Unpaid -- _______ _ ____ - _-- 
 
Furniture and Fixtures_____ 2,804 1Z Due to Banks in this State 18,528 93 
 
Other Real Estate Owned __ Due from Banks in this State 
 
18,962 9,695 
 
51 55 
 
Due to Banks in other States Call Money ________________ 
 
________ _ _ _______ _ 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States -----------------CGuolrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- _ 
Silver, Nickels, Pennies ____ _ Advances on Cotton Advances on other Commodi- 
 
12,022 18 to Check ----------------- 142,731 89 14,400 00 Dema_nd Certificates of De- 
40 00 POSIt - - -- - - - - -- - -- - - -- - -- - - -- - - - - - 2,914 29 Time Certificates of Deposit 190,020 98 
Savings Deposits ___________ _ __ - _- _-- 
Trust Funds on Deposit.___ ______ --- 
 
Chteiecsks --f-o-r---C-l-e-a-r-i-n-g---H-o-u--seOther Checks and Cash Items 
 
_- _-_-_-_-_-_-_- -_ ________ _ 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_--- -_-__--Bills Payable _____________ _ 
 
3,082 
170 100,000 
 
28 
62 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 17,500 00 
 
atenrcsesof__C_r_e_d__it__a_n-d- _A--c_ce__J_t_- 
 
___ -- __ -- 
 
Certificates Borrowed 
 
of Deposit for Money _------- 
 
--------- 
 
Overdrafts-Of any) ------- 1,206 36 Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances 
 
Profits and Loss _____ ---- _- 1,075 34 Reserve for Interest and Taxe~ __ . ------ 
 
Other Liabilities------------------- 
 
Total --------------------$537,034 70 Total --------------------$537,034 70 
 
 FIRST ANNUAL REPOR'.r 
 
65 
 
EXAMINEB'S BEPOB'l'. 
 
BANK OF BENEVOLENCE, BENEVOLENCE. 
 
At Close of Business August 11, 1920. 
 
President--JW C. Reddick. Vice-Pre:sident~P. E. !Keiser. Cashier-L. L. Ware. 
 
Directors-F. E. Keiser, W. W. Binion, E. Q. Perryman. J. B. Fillingin, 
 
W. C. Reddick. 
 
-D-a-te--o-f-C--h-a-rt-e-r--F-e-b-r-u-a-r-y--1,--19-1-1-. ----------B--e-ga-n--B-u-s-iness-September, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$13,232 30 Capital Stock Paid In ------$15,000 00 
 
Demand Loans -------------Loans Secured by Real Estate UOnt hi teerdSSt otcakt es sa nBdo nBdosn d-s- -_-_-_-_-_-_ Banking House ____________ _ Furniture and Fixtures ___ _ Other Real Estate Owned ___ _ 
 
800 00 5,000 00 -------- 
2,455 30 1,937 39 1,872 71 
 
Amt. Reserved for Branches Surplus Fund --------------Undivided Profits _- __ -- __ -- 
Dividends Unpaid ----------Due to Banks in this State __ CDaulel tMo oBneaynk_s__in___o_t_h_e_r__S_t_a_t_es_ 
 
1,000 00 
 
Due from Banks in this State 390 01 Individual Deposits Subject to 
 
Due from Banks in other States -------------------- 
GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ Silver, Nickels, Pennies _____ _ Advances on Cotton _- _____ _ 
 
524 37 DeCmheacnkd C--e-r-ti-f-ic-a-t-e-s--o-f--D-e-p-o-s-i-t- 3,659 94 
 
631 00 Time Certificates of Deposit.25 00 Sav!ngs Deposits _________ - _ 
 
30 94 
 
522 17 CCearsthifiieerd's CChehcekcsks___-_-_-_-_-_-_-_-_-_--_ 
 
83 00 
 
Advances on other Commodi- 
C ht ei ecsk s -f-o-r- -C- l-e-a-r-i-n-g- -H-o- u- -s-e-_-__- -_ Other Checks and Cash Items 
 
Bills Payable --------------- 8,500 00 l\!otes and Bills Rediscounted 42 79 Certificates of Deposit for 95 61 Borrowed Money _____ - __ - _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit, and Acceptances ______ - ___ _ 
 
ances --------------------Overdrafts-Of any) - _-----Other Assets - ___ - _------ __ - 
 
Reserve for Interest and 'l'axes 209 61 Other Liabilities ___________ _ 228 91 
 
Profit and Loss ------------ 306 71 
 
Total ---------------------$28,273 88 Total ---------------------$28,273 88 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$14,943 37 Capital Stock Paid In --------$15,000 00 
 
Demand Loans ------------- 250 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
SUunrdpilvuisdedFunPdrof-it-s---_-_-__-_----_-_-_-_-_ 1,000 00 
 
Other Stocks and Bonds _____ _ 
 
Dividends Unpaid _____ - ___ -.- 
 
Banking House -- _________ _ 2,438 59 Due to Banks in this State._ 
 
Furniture and Fixtures - __ - 2,037 39 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 1,889 42 Call Money ----------------- 
 
Due from Banks in this Stnt<> :), 115 4[, Individual Deposits Subject to 
 
Due from Banks in other 
 
Check --------------------- 8,557 41 
 
States --------------------CGuo lrdr e n_c_y_ _ _-_-_- ------ -- -- -- -_-_-_-_-_-_-_-_ -_ _- -_ 
 
1,145 58 Demand Certificates of Deposit 696 00 Time Certificates of Deposit 40 00 Savings Deposits ------------ 
 
30 94 
 
Silver, Nickels, Pennies _-- __ - 250 29 Trust Funds on Deposit_--_ 
 
Advances on Cotton _____ - __ _ 693 23 Cashier's Checks _-- _ 
 
227 84 
 
Advances on other Commodi- 
 
Certified Checks _______ - __ --- 
 
Chteiecsks --fo--r -C--l-e-a-r-in-g---H-o-u--se---_-- 
 
724 91 Bills Payable --------------- 4,750 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
Ovanecrdesraf-t-s---O--f--a-n-y-)---- -__----- -_-_ -- 
 
and Acceptances ___ -- _---323 12 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ______ - _---- 
 
Profit and Loss ------------- 418 84 
 
Total ---------------------$29,566 19 Total ---------------- ----$29,566 19 
 
 66 
 
BANKING DEPARTMENT 
 
E:XAMINEB'S BEPOBT. 
 
THE FARMERS & MERCHANTS BANK, BERLIN. 
 
At Close of Business October 7, 1920. 
 
President-C. H. Burney. Vice-Presidents-.J. E. Nobles, G. W. Alderman. 
 
Cashier-0. Nobles. 
 
Directors-C. H. Burney, J. E. Nobles, G. W. Alderman, 0. Nobles, I. J. Croft, J. D. Croft, Sam Gay, W. M. Hiers, W. F. Humphreys, J. C. Morse, J. C. Lewis, J. W. Short, E. M. May. 
 
Date of Charter-September 27, 1910. 
 
Began Business-September 6, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$65,417 40 Capital Stock Paid In ------$15,000 00 
 
Demand Loans -------------- 13,900 00 Amt. Reserved for Branches 
 
Loans Secured by Heal Estate 
 
Surplus Fund -------------- 8,500 00 
 
OUnthiteerdSStotcaktessanBdonBdos nd--s-_-_-_-__--_ Banking House ____________ _ 
Furniture and Fixtures ___ _ Other Heal Estate Owned ___ _ 
 
1,000 00 Undivided Profits ---------Dividends Unpaid __________ 
1,480 00 Due to Banks in this State.2,959 69 Due to Banks in other States 
250 00 Call Money _----.---- _- -- _- 
 
69 00 3,541 13 
 
Due from Banks in this State 3,77-1 75 Individual Deposits Subject to 
 
Due from Banks in other 
 
States -------------------Currency ------------------GSiollvder,- _N--i-c-k-e-l-s,---P-e-n-n-i-e-s---_-__--_ 
 
69 08 761 00 1,382 50 218 17 
 
Advances on Cotton . ______ _ 27,464 65 
 
Check -------------------Demand Certificates of Deposit 
 
-14,924 
 
72 
 
Time Certificates of Deposit 28,280 50 Savings Deposits ___ - __ - _. _. 
 
Trust Funds on Deposit ___ _ 
 
Cashier's Checks ----------- 3,124 60 
 
Adtvieasnce_s__o_n___o_t_h_e_r__C__o_m__m_o_d_i_- 
 
Certified Checks  ------ _--Bi!Is Payable ------------- 19,000 00 
 
Checks for Clearing House._ 728 23 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2,481 63 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O va ne cr de sr a f-t-s---(-i-f- -a-n-y-)- - -_-_-_-_-__-_- -_ OCathsher SAhsosretts:________________ _ 
 
and Acceptances __ ----.-.HOethseerrveI.ifaobri!Iintiteesres_t__a_n_d. _T_a_x__es_ 44 48 
 
Profit and Loss ------------ 508 37 
 
Total --------------------$12~439 95 Total --------------------$122,439 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$47,330 46 Capital Stock Paid In ------$15,000 00 
 
Demand Loans ------------- 800 00 Amt. Reserved for Branches -------- 
 
Loans Secured by Real Estate 6,697 65 Surplus Fund --------------- 8,500 00 
 
United States Bonds -------- 1,000 00 Undivided Profitsd ----------- --- - -- - - 
 
0ther Stocks and Bonds _. __ 
 
Dividends Unpai __ - _-.- __ _ 
 
69 00 
 
Banking House _____________ 1,480 00 Due to Banks in this State.- 
 
Furniture and Fixtures ____ 2, 959 69 Due to Banks in other States 
 
Other Heal Estate Owned ____ 
 
Cal! Money -.- _------------- 
 
Due from Banks in this State 1,962 35 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------- 24,434 96 
 
States -------------------- 607 89 Demand Certificates of Deposit 
 
Currency ------------------- 743 00 Time Certificates of Deposit 20,197 94 
 
Gold ------------------------ 1,382 50 Savings Deposits ----------Silver, Nickels, Pennies ____ 429 24 Trust Funds on Deposit.----- 
 
Advances on Cotton -------- 28,933 16 Cashier's Checks ------------ 1,238 10 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------Checks for Clearing House __ 
 
Bills Payable -------------- 26,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 514 23 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money - _-------- 
 
ters of Credit and Acceptances  _____  _. -.- ____  ____ 
 
Liability on Letters of Credit, and Acceptances ____ - _-- _- 
 
Overdrafts- (if any) _______  
 
Heserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ______ - _- __  
 
Profit and Loss  ________  599 83 
 
Total ---------------------$95,440 00 Total ---------------------$95,440 00 
 
 FIRST ANNUAL REPORT 
 
67 
 
EXAMIBEB'S BEPOBT. 
 
BISHOP BANKING COMPANY, BISHOP. 
 
At Close of Business July 29, 1920. 
 
President-J. J. Johns. Vice-President-D. M. Branch. Cashier-Herbert Breedlove. Directors-J. J. Johns, 0. M. Branch. J. M. Preston, D. H. Arnold, H. Breedlove. 
 
Date of Charter-1905. 
 
Began Business-July 29, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$165,754 26 Capital Stock Paid Jn _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
39,405 22 Amt. Reserved for Branches 22,935 52 Surplus Fund -------------- 
 
-i2~000-00 
 
United States Bonds -------Other Stocks and Bonds ____ 
 
11,055 00 --------- 
 
Undivided Profits ___________ Dividends Unpaid _________ 
 
9,696 25 ________ _ 
 
Banking House _ __________ 1,680 00 Due to Banks in this State - __ -- __ -- 
 
Furniture and Fixtures______ Other Real Estate Owned __ 
 
1,420 00 -------- 
 
CDaulel toMBonaenvks _i_n__o_t_h_e_r__S_t_a_te__s 
 
-________- ______ -_ 
 
Due from Banks in this State Due from Banks in other 
 
2,481 63 IndCihveidckual _D__e:p_o_s_i_ts__S_u_b__je_c_t__to_ 122,813 18 
 
States ------------------Currency -----------------RGiolvlder, -N--ic-k-e-l-s-,--P-e-n-n-i-e-s------------ 
 
1,493 87 Demand Certificates of De- ________ _ 
 
1,3R4 00 45 00 
 
TimpoesiCt er-t-if-i-c-a-t-es- - o--f -D- -e-p-o-s-it-_- 
 
- ---- -19,669 
 
4- 1- 
 
916 47 Savings Deposits------------------- 
 
Advances on Cotton -------- --------- Trust Funds on Deposit_ ___ --------- 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C_o__m_m__o_d_i_- _ _______ _ CCearsthifiieerd's CChheecckkss -_-_-_-_-_-_-_-_-_-_-_ _ ____93___38_ 
 
CChecks for Clearing House._ 
 
242 73 Bills Payable --------------- 60,000 00 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money _- ______ _ 
 
ances --------------------- 23,8g2 42 Liability on Letters of Credit, 
 
OOtvheerrdrAafstsse-tOs f _a__n_y_)__ - ___ - _ 
 
____8_32- __56- 
 
and Acceptances _-- __ -- ___ Reserve for Interest and Taxes 
 
23,832 42 410 Ou 
 
Other Liabilities ----------- --------- 
 
Total --------------------$273,514 64 Total --------------------$273,514 64 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$167,894 96 Capital Stock Paid Jn _______ $ 25,000 00 
 
Demand Loans -----------Loans Secured by Real Estate 
 
5,283 09 19,924 94 
 
SAumrpt.luRs eFseurnvded __f_o-r __B_r_a_n_c__h_es_ 
 
12,000 00 
 
United States Bonds -------Other Stocks and Bonds---_ 
 
-------------- _-- 
 
UDnivdiidveidndeds 
 
UPnrpoafiidt s -_-_ -_ _- _- _-_-_-_- -_ 
 
7,798 92 
 
Banking House ------------ 1,680 00 Due to Banks in this State 
 
Furniture and Fixtures __ - _ Other Real Estate Owned__ 
 
1,420 00 _- ___ - __ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 22,817 40 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency ------------------Gold ___ ------ _------------Silver, Nickels. Pennies ___ - __ 
 
1,049 194 
 
0910 
 
DepCmohsaeinctkds 
 
C-_-_e-_r-_ti-_f-_ic-_a-_t-_e_-s_-_-_-o_-f_-_-D_-_-e-_- 
 
57 50 Time Certificates of Deposit 
 
564 04 Savings Deposits---------- 
 
78,956 86 33,919 28 
 
Advances on Cotton _- ___ - __ 4,644 46 Trust Funds on Deposit ___ _ 
 
Advances on other CommodiC ht ei ecsk s - -f-o-r- - -C- l-e-a-r-i-n-g- - -H-o- u- -s-e 
 
Cashier's Checks _______ - __ 
 
_- -- -__- -- -- -__- -- 
 
Certified Checks _____ - _____ _ Bills Payable _____________ _ 
 
196 75 70,000 00 
 
Other Checks and Cash Items 
 
328 75 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ______ - __ 
 
O va necredsr a-f -t s---(-i-f- -a-n- -y-)- - - - - - - - 
 
Liability on Letters of Credit, 2,030 02 and Acceptances ________ _ 
 
Other Assets ___ - _--------- 
 
Reserve for Interest and Taxes 
 
17 26 
 
Other Liabilities ------------ 
 
Total --------------------$227,889 07 Total --------------------$227,889 07 
 
 r. 
 
68 
 
BANKING DEPARTMENT 
 
EXAMilfEB.'S BEPOBT. 
 
BLACKSHEAR BANK, BLACKSHEAR. 
 
At Close of Business August 5, 1920. 
 
President-A. P. Brantley. Vice-President-B. D. Brantley. 
 
Cashier-M. C. McAlpin. 
 
Directors-A. P. Brantley, B. D. Brantley, M. C. McAlpin, .T. T. Brantley, 
 
A. P. Davis, J. A. Strickland. 
 
Date of Charter-September 11, 1891. 
 
Began Business-July 7, 1892. 
 
RESOURCES 
 
LIABILITIES 
-------------------------------- 
 
Time Loans ---------------$225,077 16 Capital Stock Paid In ------$ 50,000 00 
 
Demand Loans ------------ 17,110 70 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 155,964 34 United States Bonds ___ - __ 4,577 60 
 
Surplus Fund -------------Undivided Profits ---------- 
 
--------75,569 10 
 
OBathnekrinSgtoHckosusaend_ _B_o_n_d_s__________ 
 
_5_0_,0_0_0___00_ 
 
Dividends Unpaid _------- __ Due to Banks In this State __ 
 
_-- -------------- 
 
Furniture and Fixtures __ -__ 2,310 00 Due to Banks in other States _-- _----- 
 
Other Real Estate Owned__ 
 
238 94 Call Money --------------- --------- 
 
Due.from Banks in this State 57,306 71 Individual Deposits Subject to 
 
Due from Banks in other CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
_3_9_,4_7_9___76_ 
 
DeCmhaencdk 
 
C 
 
e-r-t-i-fi-c-a-t-e-s 
 
-o-f-D-e-p-(-l-~-1 
 
- 
t 
 
246,360 
 
30 
 
Time Certificates of Deposit 199,694 27 
 
GS iollvde r ,- -N- -i c- k- -e-l s-,- -P-e-n- -n-i e-s- - -_-_-_-_ 
 
_1_5_,3_3_8___zz_ 
 
Savings Deposits------------------Cashier's Checks -- _--- _-- _ 1,548 42 
 
Advances on Tobacco ------ 4,056 20 Certified Checks ------------ 
 
1 00 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C_ o__m_m__o_d_i_- ________ _ BNioltless PaanydabBleills--R-e--d-is-c-o-u--n-te-d- -_-_-_-__-_-_----_ 
 
Checks for Clearing House__ ________ _ Certificates of Deposit for Other Checks and Cash Items ________ _ Borrowed Money _--- _-- _ _-- _-- _-- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances 
 
ances _---- ____ -- _----- ___ _-------- Reserve for Tnterest and Taxes ________ _ 
 
Overdrafts-(if any) ______ Other Assets --------------- 
 
900 835 
 
79 41 
 
COathsher LLoniagbi_li_t_ie__s:________ - __ - 
 
22 7 4 
 
Total --------------------$573,195 83 Total --------------------$573,195 83 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$171,801 70 Capital Stock Paid In ------$ 50,000 00 Demand Loans ------------ 81,082 89 Amt. Reserved for Branches Loans Secured by Real Estate 162,701 12 Surplus Fund ------------- 10,000 00 United States Bonds ------ 5,611 42 Undivided Profits ---------- 62,294 59 Other Stocks and Bonds ____ 50,000 00 Dividends Unpaid ---------- 
 
Banking House ------------ --------- Due to Banks In this State Furniture and Fixtures ____ 2,310 00 Due to Banks In other States 
 
Other Real Estate Owned __ --------- Call Money --------------Due from Banks In this State 54,792 03 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 275,944 76 
 
States ------------------- 61,472 86 Demand Certificates of De- 
 
Currency ------------------ 9,067 00 posits ------------------- 
 
Gold ----------------------- 
 
35 00 Time Certificates of Deposit 202,174 97 
 
Silver, Nickels, Pennies ____ 2,643 13 Savings Deposits ___ c _____ _ 
 
Advances on Cotton ________ _______ __ Trust Funds on Deposit- __ _ 
 
Adtvieasnc_e_s_ -o_n__o_t_h_e__r C_o__m_m__o_d_i_- _________ CCearsthifiieerd's CChehcekcsks_________--____-_- __-_ 
 
1,039 56 395 80 
 
Checks for Clearing House --------- Bills Payable ------------- 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ____ - __ _ 
 
ances -------------------- --------- Reserve for Interest and Taxes 
 
Overdrafts-(if any) ------- 
 
332 53 Other L!ab!lities ----------- 
 
Other Assets _-- _--- -- _- - __ - - ______ _ 
 
Total --------------------$601,849 68 Total _________ ---- ___ ----$601,849 68 
 
 FIRST ANNUAL REPORT 
 
69 
 
EXAlVIINEB.'S BEPOBT. 
THE CITIZENS BANK, BLACKSHEAR. 
 
At Close of Business September 29, 1920. 
 
President-W. H. Meeks. Vice-President-W. N. Brown. Cashier-H. H. Jones. 
 
Directors'-\V. H. Meeks, IW. N. Brown, H. H. Jones. A. :& Walker, C. H. Davis, 
 
A. J. Strickland. 
 
Date of Charter-November 6, 1905. 
 
Began Business January 5, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$134,952 30 Capital Stock Paid In ______ $ 17,000 00 
 
Demand Loans ------------ 
 
935 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------- 
 
--------724 29 
 
USunrdpivluids edFuPndrof-it-s---_-_-__-_-_-_-_-_--_ 
 
907 50 1,131 18 
 
Other Stocks and Bonds __ 
 
900 00 Dividends Unpaid __ - __ - ___ _ 
 
Banking House ------------ 2,500 59 Due to Banks in this State 
 
Furniture and Fixtures ---- 3,105 22 Due to Banks in other States Other Real Estate Owned ____ 2,805 00 Call Money --------------Due from Banks in this State 1,955 08 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
584 31 DeCmhaencdk C<->-r-ti-fi-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
Currency -------------------- 1,093 GSiollvder,--N--ic-k--e-ls-,--P-e-n--n-ie-s---_-_-_-___ 54290 
 
00 0410 
 
TSiamviengCserDtiPecpRotsPitss of__D__e_p_o__s_it_. Trust Funds on Deposit. __ _ 
 
56,547 84 39,889 J 7 
 
Advances on Cotton ________ --------- Cashier's Cl~erl.s __________ _ 1,396 04 
 
A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i_- 
 
_______ -- 
 
Certified Checks ___________ _ Bills Payat>lP __ ----------- 
 
42,500 00 
 
Checks for Clearing House__ 
 
83 48 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2,442 33 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _______ _ 
 
atenrcsesof__C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t-_ Overdrafts (if any) _______ _ Other Assets _____ " _______ _ 
Cash Short ---------------- 
 
________ _ 
4,1fi1 ~0 1,436 10 
44 32 
 
Liability on Letters of Credit, and Acceptances ---------- 
Reserve for Intere:<t and Taxes Other Liabilities ----------- 
 
Total --------------------$159,371 73 Total --------------------$159,371 73 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
-------- TDiemmeanLdoaLnosan-s---_-_-_-_--_-_-_-_-_-_--_$__13_2_,_9_9_2___81_ 
 
Capital Stock Paid Amt. Reserved for 
 
In. _____ .$ Branches 
 
17,000 
 
00 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 
 
907 50 
 
United States Bonds ________ Other Stocks and Bonds_--__ 
 
--------957 54 
 
UDnivdiidveidnedds PUrnopfiatisd --__-_-_-_-_-_-_-_--_ 
 
299 47 
 
Banking House ------------- 2,580 59 Due to Banks in this State.- 
 
Furniture and Fixtures._-._ Other Real Estate Owned____ 
 
3,105 5,241 
 
22 10 
 
CDaulel tMo oBnaenyks__i_n_ -o_t_h-e_r__S_t_a_t_es_ 
 
Due from Banks in this State 13,989 19 Individual Deposits Subject to 
 
Due from . Banks in other States ------------------ 
 
2,866 11 
 
DeCmhaenckd 
 
------~------------ Certificates of Deposit 
 
66,819 28 
 
GCoulrdren_c_y___-_-_-_--- -----__-_-_------__-_----- -_ 
Silver, Nickels, Pennies.____ Advances on Cotton_------_Advances on other Commodi- 
ties ____ - ___ -- ------------ 
 
_ _5-, 5- -4 0_ - -00_ 
 
Time Certificates Savings Deposits 
 
of Deposit. ----------- 
 
589 18 Trust Funds on Deposit. ___ _ 
 
-------- _ 
 
Cashier's Checks __________ _ Certified Checks ___________ _ 
 
__ -- __ -- _ Bills Payable ______________ _ 
 
41,663 25 
3,194 50 45,000 00 
 
Checks for Clearing House__ 
 
801 02 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
_--- _--- _ 
 
Certificates Borrowed 
 
of Deposit for Money ________ _ 
 
atenrcsesof_-C- r_e_d-i-t_-a-n_d__A__c_c_e_p_t-_ 
 
___ - ____ .. 
 
Liability on Letters of Credit, and Acceptances - _--- __ -- 
 
Overdrafts (if any) -- _--- _- 1,221 24 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
County Warrant ------------ 5,000 00 
 
Total.--------------------$174,884 00 TotaL ___________________ .$174,884 00 
 
 70 
 
BANKING DEPARTMENT 
 
EXAlllliliEB.'S BEPOB'l'. 
 
CITIZENS BANK, BLAKELY. 
 
At Close of Business October 27, 1920. 
 
President-W. H. Flowers. Vice-President--J. J. Heayrs. Cashier-H. 0. Waters. 
 
Directors-W. H. Flowers, J. J. Heayrs, R. 0. Waters, J, 0. Bridges, W. T. Ham- 
 
mock, H. C. Haddock, C. s. Middleton, J. R. Pickron. 
 
Date of Charter-March, 23, 1918. 
 
Began Business-February, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$258,388 00 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
27,674 3,200 
 
89 00 
 
ASumrtp.luRs eFseurnvded __fo__r__B_r_a_n_c__h_es_ 
 
10,000 00 
 
United States Bonds ________ Other Stocks and Bonds _____ 
 
37,600 Oo --------- 
 
UDnivdiidveinddeds UPnrpoafiitds __-_-_-_-_-_-_-_-_--_ 
 
4,136 23 360 00 
 
Banking House ------------- 9,700 00 Due to Banks in this State.- 
 
Furniture and Fixtures_____ 2,587 20 Due to Banks in other States 
 
Other Real Estate Owned.___ _______ - _ Call Money----------------- 
 
Due from Banks in this State 12,092 34 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_- _- _- _- _- _- _- _- _- -_ 
 
12,258 13 DeCmhaecnkd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 234,288 34 12,869 00 Time Certificates of Deposit. 1,300 00 
565 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ _ 4,019 31 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton ________ _ 12,570 48 Cashier's Checks ----------- 3,039 90 
 
Advances on other Commodities ---------------------- 
 
--------- 
 
CBeilrltsifiPeadyaCbhleeck_s__-_-__-_-_-_-_-_-_-_-_--_ 100,000 00 . 
 
Checks for Clearing House._ 11,293 77 Notes and Bills Rediscounted 5,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
560 
 
00 
 
Certificates Borrowed 
 
of Deposit for Money _____ - __ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _______ - _- - _- _____ - _ -- -- - - -- - and Acceptances - __ - _- __ - 
 
Overdrafts (if any) _______ _ Other Assets --------------- 
 
719 1,670 
 
42 53 
 
ORethseerrveLfiaohriIlni ttieerses_t_a_n_d__T_a_x__es_ 
 
Total _____________________ $407,768 07 Total.--------------------$407,768 07 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$201,408 79 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 40,149 18 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 32,161 12 Surplus Fund -------------- 10,000 00 
 
United States Bonds_________ 28,450 00 Undivided Profits ----------- 3,096 34 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid----------- 
 
360 00 
 
Banking House ------------- 9,700 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
2,587 20 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t-a_t_es- 
 
Due from Banks in this State 8, 776 06 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ 
 
11,368 53 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 172,106 13 5,961 00 Time Certificates of Deposit. 14,105 24 545 00 Savings Deposits ----------3,563 48 Trust Funds on Deposit. ___ - 
 
Advances on Cotton ____ -_- __ 4,107 87 Cashier's Checks ----------- 2,138 57 
 
Advances on other Commodi- 
 
Certified Checks ___ - _-- _-- _- 
 
ties ---------~------------ --------- Bills Payable ______ - _- __ - __ - 75,000 00 
 
Checks for Clearing Honse __ 1,819 27 Notes and Bills Rediscounted 35,921 44 
 
Other Cliecks and Cash Items 
 
211 49 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ -- _---- 
 
ters of Credit and AcceptOvaenrcdersaft-s---(i-f--a-n-y-)---_-_ -- -_-_---_-_ 
 
Liability on Letters of Credit, and Acceptances __ - __ - __ - 
1,646 52 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Early County Warrant!<._. __ 9,915 81 
 
Total _____________________ $362,371 32 TotaL ___________________ .$362,371 32 
 
 FIRST ANNUAL REPORT 
 
EXAlllliNEB.'S B.EPOB.'l'. 
FANNIN COUNTY BANK, BLUE RIDGE. 
 
At Close of Bus'iness July 7, 1920. 
 
President~. M. Eaton. Vice-'President-J. B. Chastain. Cashier-J. F. Holden. 
 
Directors_,J, M. Eaton, 'J. B. Chastain, J. F. Holden, \Vm. Butt, J. R. McKinney, G. W. Phillips, Sam Tate. 
 
Date of Charter-May 29, 1916. 
 
Began Business--June 6, 1916. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$139,845 10 
Demand Loans ------------- 2,493 50 Loans Secured by Real Estate 14,792 79 United States Bonds_________ 8,350 00 Other Stocks and Bonds _____ 13,700 00 Banking House _--- _-- _-- __ - - __ - _-- _Furniture and Fixtures_-_-- 3, 750 00 
 
Other Real Estate Owned____ Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency -----------------Gold - ____ -- __ - _____ -- _-- _-- 
 
4,231 40 21,815 95 46,395 25 12,439 00 
2,115 00 
 
Silver, Nickels, Pennies_____ 2,211 67 Advances on Cotton _________ --------Advances on other Commodi- 
 
ties---------------------- --------- 
 
Checks for Clearing House.- --------- 
 
Other Checks and Cash Items 
 
37 97 
 
Customers' Liability on Letters of Credit and Accept- 
 
ances -------------------Overdrafts (if any) --------- 
Other Assets --------------Payment on Liberty Bonds 
for Customers ___ -------- 
 
45,204 61 5 95 
130 63 
379 25 
 
Capital Stock Paid In---~---$ 15,000 00 
 
Amt. Reserved for Branches --------- 
Surplus l<'unds ------------- 7,000 ou 
 
Undivided Profits ---------- 3,208 57 
 
Dividends Unpaid ---------- 
 
80 00 
 
Due to Banks in this State-_ ________ _ 
 
Due to Banks in other States ________ _ 
 
Call Money ---------------- --------Individual Deposits Subject to 
Check ------------------- 213,520 17 DemandCertificates ofDeposit --------Time Certificates of DeposiL 73,303 87 Savings Deposits __ ------- __ ________ _ 
 
Cashier's Checks ----------- 5,371 26 Certified Checks ------------ --------Bills Payable _______________ ________ _ 
 
Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money _________ ________ _ 
 
Liability on Letters of Credit, and Acceptances _________ ________ _ 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities __________ _ 
 
414 20 
 
Total---------------------$317,898 07 Total---------------------$317,898 07 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Demand Loans -------------$ 5.935 25 Capital Stock Paid In-------$ 15,000 00 
Time Loans ---------------- 188,109 15 Amt. Reserved for Branches Loans Secured by Real Estate 35,265 92 Surplus Fund -------------- 7,000 00 United States Bonds________ 8,350 00 Undivided Profits ----------- 7,740 55 Fannin County Road Bonds__ 9,000 00 Dividends Unpaid __ - ______ _ Banking House _____________ _________ Due to Banks in this State._ 
 
Furniture and Fixtures----- 3,750 00 Due to Banks in other States 
 
Other Real Estate Owned____ 3,703 51 Call Money ---------------- 
 
Due from Banks in this State 25,604 84 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------~ 226,427 20 
 
States ------------------- 42,430 71 DemandCertificates ofDeposit 
 
Currency ------------------ 13,070 00 Time Certificates of DeposiL 80,168 89 
 
Gold ----------------------- 1,965 00 Savings Deposits ----------Silver, Nickels, Pennies_____ 1,180 7 3 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks------------ 4,056 96 
 
Advances on other Commodi- 
 
Certified Checks _- _____ - ___ _ 
 
ties ______________________ _________ Bills Payable _- ____________ _ 
 
Checks for Clearing House __ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,885 28 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
atenrcsesof- _C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t-_ _________ LiaanbdilitAycocnepLtaentcteerss _o-f_C_ r- e__di-t_, 
 
Overdrafts (if any) ________ 
 
143 61 Reserve for Interest and Taxes 
 
Other Assets--------------- --------- Other Liabilities----------- 
 
Total--------------------$340,394 00 Total---------------------$340,394 00 
 
 i 
72 
 
BANKING DEPARTMEN~ 
 
EXAMDII'EB'S BEPOBT. 
 
FARMERS BANK, BLYTHE. 
 
At Close of Business December 11. 11920. 
 
President-W. G. Ford. Vice-President&-JL. w. Dye, F. H. Turner. 
 
Cashier-E. L. (Braswell. 
 
Directors-W. G. Ford, L. W. Dye, F. H. Turner, E. L. Braswell, A. M. Clark, A. H. Rooks, 0. H. Palmer. 
 
Date of Charter-August 28, 1909. 
 
Began Business-September 1, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 42,786 91 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ 
 
6, 600 
 
00 
 
SUunrdpi vl ui ds e dF uPn rdo f-i t-s- - -_-_-_-_-_ _- _-_-_- -_ Dividends Unpaid _________ _ 
 
5,00U 00 2,069 23 
 
Banking House ____________ _ 1,947 50 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned. __ _ 
 
935 57 CDaulel tMo oBneaynks__i_n__o_t_h-e_r_ S- _t_a_t_es_ 
 
Due from Banks in this and 
 
Individual Deposits Subject to 
 
other States -------------GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
 
17,111 2,292 
 
11 00 
 
DeCmhaencdk Ce-i-'t-i-fi-c-a-t-e-s--o-f-D-e--p-o-s-it 
 
15 00 Time Certificates of DeposiL 
 
231 61 Savings Deposits ----------- 
 
Trust Funds on DeposiL ___ _ 
 
Cashier's Checks __________ _ 
 
24,577 22 26,718 45 
186 47 
 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n- g- - -H-o-u- -s e- --_- 
 
BC ielrltsi fPi eady aCbhleec k_s_ _ _-_-_-_-_-_-_-_-_-_-_- -_ 
 
Other Checks and Cash Items 1,626 01 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___f_o_r 
 
ances -------------------- 
 
OOtvheerrdrAafstsset 
 
s(i 
 
f__a_n_y_)___-_-_-_-_-_-_-_- 
 
_ 
 
- 
 
-- 
 
-- 
 
---5 66 
 
Liability on Letters of Credit, and Acceptances - __ - ____ _ 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
TotaL--------------------$ 73,551 37 Total---------------------$ 73,551 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------~--------$ Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ 
Furniture and Fixtures ____ _ Other Real Estate Owned- __ _ 
 
40,798 25 
6,600 00 1,947 50 
935 57 
 
Capital Stock Paid In _- __ - _- $ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 5,000 00 UDnivdiidveinddeds PUrnopfiatisd --_-__-_-_-_--- -__--_ 2,054 39 
Due to Banks in this State __ Due to Banks in other States Call Money ____ - __ - __ ---- _- 
 
Due from Banks in this State Due from Banks in other 
States ------------------CG oulrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_ -_ -_ -_ _- _- _- _- _- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
Chteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u--se--__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
ances -------------------Overdrafts (if any) --------Other Assets --------------- 
 
14,989 58 2,573 20 3,124 00 648 50 
804 91 
4,577 41 
 
Individual Deposits Subject to 
DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------'I'rust Funds on Deposit_ ___ _ Cashier's Checks __ --------Certified Checks -----------Bills Payable--------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit, 
and Acceptances __ - __ - __ Reserve forinterest and Taxes Other Liabilities ____ -- _-- _- 
 
23,472 60 26,718 45 
176 07 
 
Total _____________________ $ 7~421 51 Total _____________________ $ 72,421 51 
 
 FIRST ANNUAL REPORT 
 
73 
 
EX:AllllDI'EB'S BEPOB'l'. 
 
FARME~S BANK, BOGART. 
 
At Close of Business July 3, 1920. 
 
President-L. 0. Benton. Vice-President-W. A. Nunnally, 
 
Cashier-J. C. Cooper. 
 
Directors--L. 0. Benton, W. A. Nunnally, Earl Griffith, F. M. Johnson, J. J. Gunter, J. R. N. Baugh, J. B. Dickens. 
 
Date of Charter-August 30, 1910. 
 
Began Business-october 10, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$137,668 46 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans-------------Loans Secured by Real Estate United States Bonds________ 
 
5,179 6,317 
 
71 95 
 
ASumrtp.luRsesFeurnvded __fo__r__B_r_a_n_c__h_es_ 
 
3,000 00 Undivided Profits _________ _ 
 
10,000 00 10,592 30 
 
Other Stocks and Bonds_____ ________ _ Dividends Unpaid ----------- 
 
Banking House ------------- 1,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 
 
850 00 Due to Banks in other States 
 
Other ReaJ Estate Owned____ ________ _ Call Money ---------------- 
 
Due from Banks in this State 
 
912 77 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton_________ Advances on other Commodi- 
 
620 55 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
895 00 55 00 
216 91 --------- 
 
STaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_i_t__ Cashier's Checks ___________ _ Certified Checks ___________ _ Bills Payable ______________ _ 
 
58,918 25 32,592 60 
85 42 30,000 00 
 
ties _____ --------------- __ ---- _- --- Notes and Bills Rediscounted 
 
Checks for Clearing House __ 
 
466 36 Certificates of Deposit for 
 
Other Checks and Cash Items __ ----- __ Borrowed Money ________ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
LiaanbdilitAycocnepLtaentcteerss _o_f_C__re__d_it_, 
 
ances _- - - -- - -- - -- --- - - -- - -- -- -- -- - 
 
Overdrafts (if any) ---------- 
 
5 86 
 
ORethseerrveLifaobriIlnittieerses_t_a_n_d__T_a_x__es_ 
 
Other Assets _-------------- - _------- 
 
Total---------------------$157,188 57 Total---------------------$157,188 57 
 
BANK'S STATEMJENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Demand Loans -------------$ 4,229 08 Capital Stock Paid In _______ $ 25,000 00 
 
Time Loans ---------------- 144,853 59 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds--------- 
 
5,942 55 --------- 
 
SUunrdpilvuids eFd uPnrdofi-t-s--_-_-_-_-_-_-_-__-_--_ 
 
5,000 00 500 05 
 
Other Stocks and Bonds_---Banking House------------- 
 
--------1,000 00 
 
Dividends Unpaid ----------Due to Banks in this State __ 
 
5 00 
 
Furniture and Fixtures_____ Other Real Estate Owned---Due from Banks in this State 
 
1,623 47 --------- 
5,827 92 
 
CDaulel tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ Individual Deposits Subject to 
 
Due from Banks In other States ------------------- 
GC oulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_-_- -_ 
 
663 08 DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 47,905 40 1,148 00 Time Certificates of Deposit_ 31,628 05 
40 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ _ 
 
309 44 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton and Seed_ Advances on other Commodi- 
ties ---------------------Checks for Clearing House- - 
 
10,976 96 CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ 
 
Bills Payable ______________ _ 
 
--------_- -- - - - - - 
 
Notes and Bills Rediscounted 
 
520 16 65,000 00 
 
Other Checks and Cash Items 
 
333 17 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --- ----- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, and Acceptances ________ _ 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - ---------------- 
 
10 43 Reserve for Interest Unpaid_ 1,399 03 
 
Other Assets ---------------__-_-_-_-_-_-_-_-_- Other Liabilities ----------- 
 
Total---------------------$176,957 69 Total---------------------$176,957 69 
 
 74 
 
BANKING DEPARTMENT 
 
EXAMINEE'S BEPOB'l'. 
 
BANK OF BOSTON, BOSTON. 
 
At Close of Business August 4, 1920. 
 
President-J. E. Nobles. Vice-President-Ed. Cook. Cashier-S. L. Rogers. 
 
Directors-J. E. Nobles, H. R. Nobles, Ed. Cook, J. W. Taylor, A. J. McKinnon, 
 
E. M. Fambrough, T. W. Lewis, A. C. Milligan, J. C. Beverly, W. Y. Cochran. 
 
Date of Charter-lDecember 1, 1905. 
 
Began Business-March 5, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------- __ .$162,484 49 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds________ 
 
6,849 04 --------- 
2,000 00 
 
SAumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c_h__es_ Undivided Profits __________ _ 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid __________ _ 
 
1,000 00 
4,289 65 49 20 
 
Banking House ------------ 6,883 02 Due to Banks in this State._ 
 
Furniture and Fixtures._____ Other Real Estate Owned. __ - 
 
2,481 55 - _______ _ 
 
CDaulel 
 
tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 8,167 02 Individual Deposits Subject to 
 
Due from Banks in other States ------------------ 
Currency -----------------Gold ____ - ------- _---------Silver, Nickels, Pennies----Advances on Cotton _________ Advances on other Commodi- 
 
2,102 86 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
4, 750 215 
 
00 00 
 
STaimviengCserDtiefpicoastietss 
 
o_f__D__e_p_o__s_it_. 
 
1,553 26 --------- 
 
.Cashier's Checks __________ _ Certified Checks ___________ _ Bills Payable ______________ _ 
 
72,068 87 
71,477 67 20,309 51 . 
317 53 
5,000 00 
 
Chteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u--s-e-__- 
 
- -3-, 8- 0- 8- - -2-4 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
711 37 Borrowed Money --------Liability on Letters of Credit, and Acceptances ________ _ 
 
Ovaenrcdersafts--(-i-f-a-n-y--) --_------------__Other Assets: Transit Account _______ - _- __ 
 
Reserve for Interest and Taxes 25 32 DOethpeorsitLsia_b_il_i_t_ie_s_:___________ _ 884 27 Cash Long ________________ _ 
 
3,397 85 5 36 
 
TotaL ____________________ $202,915 44 
 
TotaL-------------- ___ ---$202,915 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 80,706 41 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
14,075 67,496 
 
61 96 
 
ASumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c_h__es_ 
 
1,000 00 
 
United States Bonds.-- ____ - 2,000 00 Undivided Profits ----------- 5,57 4 59 
 
Other Stocks and Bonds.---Banking House ------------ 
 
--6-,8-8-3---02- 
 
Dividends Unpaid ----------Due to Banks in this State __ 
 
Furniture and Fixtures.---Other Real Estate Owned. __ Due from Banks in this State 
 
2,688 42 
--------- 
6,142 43 
 
CDaulel tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG oulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
5,396 30 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 45,330 59 
 
4,465 210 
 
00 00 
 
Time Certificates Savings Deposits 
 
of Deposit _________ _ 
 
70,711 29 21,829 53 
 
Silver, Nickels, Pennies.---Advances on Cotton ________ _ Advances on other CommodiChteiecsks -fo-r---C-l-e-a-r-in-g---H-o--u-s-e-.-- 
 
1,244 41 Trust Funds on Deposit. ___ _ 
 
414 
 
55 
 
Cashier's Checks __________ _ Certified Checks ___________ _ 
 
1,717 61 Bills Payable ______________ _ 
 
1,612 58 Notes and Bills :Rediscounted 
 
996 00 25,000 00 
 
Other Checks and Cash Items --------- 
Customers' Liability on Let- 
 
Certificates of DeposH for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
ances -------------------Overdrafts (if any) --------Other Assets _-- _----------- 
 
Liability on Letters of Credit, and Acceptances ________ _ 
388 70 ROethseerrveLifaobriIlnittieerses_t_a_n_d__T_a_x__es_ 
 
Total---------------------$195,442 00 Total --------------------$195,442 00 
 
 FIRST ANNUAL HEPORT 
 
75 
 
EXAMINER'S BEPOBT. 
 
MERCHANTS AND FARMERS BANK, BOSTON. 
 
At Close of Business August 3, 1920. 
 
President-Jas. M. Jones. Vice-President--Jas. A. Mallette. Cashier-Jas. A. Mallette. 
Directors-Jas. M. Jones, .Jas. A. Mallette, Jas. C. Adams, W. R. Forster, J. A. Ham, A. 0. Milligan, J. J. Parramore. 
 
Date of Charter-September 14, 1891. 
 
Began Business-March, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$283,984 84 Capital Stock Paid In ------$ 50,000 00 
 
Demand Loans ------------- 28,517 40 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund ------------- 25,000 00 
 
United States Bonds ------Other Stocks and Bonds.___ 
 
22,594 05 2,000 00 
 
UDnivdiidveinddeds PUrnopfiatisd --_-__-_-_-_-_-_-_--_ 
 
26,481 85 177 50 
 
Banking House Furniture 
 
Due to Banks in this State __ 
 
and Fixtures ______ ------ 10,300 00 Due to Banks in other States 
 
Other Real Estate Owned. __ - 
 
35 30 Call Money --------------- 
 
Due from Banks in this State 28,691 34 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
Silver, Nickels, Pennies.---Advances on Cotton -------Advances on other Commodi- 
 
8,575 51 3, 620 00 
277 00 3,586 10 
--------- 
 
DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 163,709 86 
 
Time Certificates of Deposit 106,900 97 
 
SCaavsihnigers'sDeCphoescitkss --_-_-_-_-_-__-_-_- _ Certified Checks ___________ _ 
 
20,299 77 2,675 85 
 
Bills Payable _____________ _ 
 
ties _-------------------- --------- Notes and Bills Rediscounted 
 
Checks for Clearing House __ 
 
440 34 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
578 39 Borrowed Money ________ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit, and Acceptances ________ _ 
 
ances -------------------Overdrafts (if any) -------- 
 
Reserve for Interest and Taxes 1,000 00 9 15 Other Liabilities ----------- 
 
Other Assets: 
 
Tranleit Account ----------- 3,036 38 
 
TotaL--------------------$396,245 80 TotaL--------------------$396,245 80 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$272,998 86 Capital Stock Paid In ------$ 50,000 00 
 
Demand Loans ------------ 34,619 71 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _-------- Surplus Fund -- __________ _ 25,000 00 
 
United States Bonds ________ 26,666 13 Undivided Profits ---------- 28,993 08 
 
Other Stocks and Bonds____ 2,000 00 Dividends Unpaid ---------- 
 
34 00 
 
Banking House Furniture and 
 
Due to Banks in this State __ 
 
Fixtures ----------------Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------- 
 
10,908 51 Due to Banks in other States 35 30 Call Money --------------- 
17,959 85 Individual Deposits Subject to Check ----- .. ____________ _ 161,958 44 
10,309 26 Demand Certificates of De- 
 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton _________ Advances on other Commodi- 
 
15,790 00 1,200 00 2,940 03 
--------- 
 
posit --------------------- 
 
Time Certificates of Deposit 100,583 21 
 
Savings Deposits ---------- 30,002 45 
 
Trust Funds on Deposit_ __ _ 
 
Cashier's Checks __________ _ 
 
506 85 
 
ties ..... ------------------ 1,524 70 Certified Checks -----------Checks for Clearing House -- --------- Bills Payable --- __________ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
438 51 Notes and Bills Rediscounted Certificates of Deposit for Borrowed Money ________ _ 
 
ances -------------------- --------- Liability on Letters of Credit, 
 
Overdrafts- (if any) ___ ---- 
 
687 17 and Acceptances _________ _ 
 
Other Assets _____ - _______ - --------- Reserve for Interest and Taxes Other Liabilities _____ .. ___ .. _ 
 
1,000 00 
 
Total --------------------$398,078 03 Total --------------------$398,078 03 
 
,: 
 
 76 
 
BANKING DEPARTMENT 
 
EX:AMilii'EB.'S B.EPOB.T. 
 
BANK OF BOSTWICK,. BOSTWICK. 
 
At Close of Business July 28, 1920. 
 
President-J. M. Preston. Vice-President-L. B. Alman. Cashier-H. S. Kaylor. 
 
Directors--J. M. Preston, B. G. Adams, L. B. Alman, W. M. Fambrough, P. P. Snellings, M. T. Nunnally, H. S. KaylOT. 
 
Date of Charter-October 26, 1911. 
 
Began Business November 1, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 70,519 80 Capital Stock Paid In _____ -$ 15,000 00 
 
Demand Loans ------------- 1,950 59 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ---- __ 
 
22,595 3,400 
 
73 00 
 
SUunrdpilvuids edFuPnrdof-it-s---_-_-_-_-_-__-_-_--_ 
 
Other Stocks and Bonds ---- 2,500 00 Dividends Unpaid _________ _ 
 
5,000 00 3,482 68 
76 80 
 
Banking House ------------ 1,700 50 Due to Banks in this State __ 
 
Furniture and Fixtures ___ _ Other Real Estate Owned ___ _ Due from Banks in this State 
 
2,092 45 
--6-,4-9-8---92- 
 
CDaulel toMoBnaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdren_c_y___----- -_-------_-_-_-_-_-_-_---------- 
 
20 82 DeCmheacnkd -C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 45,067 85 
 
652 42 
 
00 50 
 
T ipmoes i tC-e-r t-i-f i-c-a-t-e-s- -o-f- -D- -e-p-o-s-i-t 
 
1,000 00 10,915 73 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
Chteicekss f-o-r--C--le-a-r-i-n-g--H--o-u-s-e--_-_ Other Checks and Cash Items 
 
735 22 
--------- 
--------3--0--9----1--4 
 
SCaavsihnigers'sDCehpeocskitss _-_-_-_-_-__-_-_-_-_--_ Certified Checks __________ _ Bills Payable _____________ _ Notes and Bills Rediscounted Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money - _______ _ 
 
92 88 35,000 00 
 
ters of Credit and AcceptOvanecredsraf-t-s---(-i-f-. -a-n--y-)---------------Other Assets: 
 
Liability on Letters of Credit, and Acceptances ________ _ 
132 02 ORethseerrveLifaobriIlnittieerses_t_a_n__d_T_a__x_es_ 
 
L. Bonds for Sp. Acct.------ 1,000 00 
 
Revenue Stamps ----------- 
 
21 26 
 
Bond Subscription Due by 
 
Customers _____ -- __ ----- _ 1,465 89 
 
Total --------------------$115,635 94 Total --------------------$115,635 94 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 
Demand Loans ------------Loans Secured by Real Estate United States Bonds -----Other Stocks and Bonds ---Banking House ______ - _-- _- 
 
51,682 1,285 
20,359 3,400 2,980 
 
30 16 7070 
91 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches SUunrdpilvuisdeFd unPdrof-it-s---_-_-_-_-_-_-__-_--_ Dividends Unpaid __________ _ 
Due to Banks in this State __ 
 
15,000 
5,000 3,048 
76 
 
00 
00 09 80 
 
Furniture and Fixtures ---Other Real Estate Owned_--- 
 
2,092 45 Due to Banks in other States Individual Deposits Subject to 
 
Due from Banks in this State DuSetatefrsom__ : _B_a_n__k_s___in___o__th__er_ 
Currency ------------------GSiollvder,-- N_-i-c-k-e-ls-,--P-e--n-n-i-e-s-_-_-__-_- _ Advances on Cotton--------Advances on other CommodiChteicekss -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-- 
 
1,187 96 DeCmhaenckd -C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 
 
10 82 1,007 00 
47 50 
 
STaipmvoiensigtCss eD-rt-ei-fp-ioc-as-it-tes-s--_o-_f-_-_D-__-e_-p_-o_-s_-i-_t 
 
438 17 Trust Funds on Deposit---Cashier's Checks _- _____ -- __ 
 
Certified Checks ___________ _ 
 
Bills Payable _____________ _ 
 
Notes and Bills Rediscounted 
 
26,612 36 1,000 00 
10,915 73 
46 65 22,900 00 
1,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
63 58 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit, and Acceptances __  ______ _ 
 
ances -------------------Overdrafts-(if any) ------Other Assets _------------- 
 
44 01 Reserve for Interest and Taxes 1,000 00 Other Liabilities _________ _ 
 
Total --------------------$ 85,599 63 Total --------------------$ 85,599 63 
 
' 
 
 FIRST ANNUAL REPORT 
 
17 
 
EXAM:INEB.'S BEPOBT. 
 
THE BANK OF BOWDON, BOWDON. 
 
At Close of Business December 1, 1920. 
 
President-A. E. Flemong. Vice-President----'J". B. Fowler. Cashier-M. L. Johnson. 
 
Directors-A. E. Flemong, J. B. Moore, G. W. Traylor, J. B. Fowler, L. F. Sewell. W. M. Johnson, J. W. Ba~row, J. R. M. Carter, C. L. Adamson. 
 
Date of Charter-October 16, 1905. 
 
Began Business-October 5, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$349,277 51 Capital Stock Paid In _____ .$ 50,000 00 
 
Demand Loans -----------Loans Secured by Real Estate 
 
14,151 90 ______ --- 
 
Amt. Reserved for Branches Surplus Fund ___________ --~ 
 
19,000 00 
 
United States Bonds ------ 9,050 00 Undivided Profits ---------- 3,595 69 
 
Other Stocks and Bonds... --------- Dividende Unpaid ---------- 
 
Banking House ------------ 2,750 00 Due to Banks in this State Furniture and Fixtures._____ 4,006 00 Due to Banks in other 
 
Other Real Estate Owned __ Due from Banks in this State 
 
--------- 
 
C aSl lt a tMe so n -e y- - - -_ -_ _- _- _- _- _-_-_-_-_-_-_-_- -_ 
 
and Banks In other States 11,582 39 Individual Deposits Subject to 
 
CGuolrdren_c_y___-_-_-_-_-_-_-_-_-_-_----- -_---------- 
 
1,426 122 
 
0500 
 
DeCmhaencdk 
 
C-e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 136,066 31 
 
Silver, Nickels, Pennies.--_ 
 
960 86 posit --------------------- 
 
Advances on Cotton ___ --- __ 11,402 70 Savings Deposits ----------- 
 
Advances on other Commodi- 
 
Trust Funds on Deposit ___ _ 
 
ties --------------------Checks for Clearing House._ Other Checks and Cash Items 
 
--------4,922 53 334 59 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_--_ 6,795 09 Bills Payable _____________ _ 104,800 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 9,987 25 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
ances ___ -- __ ------------- --------- Borrowed Money --------- 
 
Overdrafts- (if any)-------- 2, 238 50 Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ---------- 
 
Transit Account ------------ 
 
848 10 Reserve for Interest and Taxes Other Liabilities: Cash Long __ - -- _" _________ _ 
 
40 24 
 
Total --------------------$413,073 58 Total --------------------$413,073 58 
 
BANK'S STATEMENT at Close of Business October 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$280,374 33 Capital Stock Paid In -------$ 50,000 00 Demand Loans ------------ 16,130 80 Amt. Reserved for Branches 
 
Loans Secured by Cotton ____ 62,320 14 Surplus Fund -------------- 19,000 00 
 
United States Bonds -------Other Stocks and Bonds _- __ 
 
2,600 00 --------- 
 
UDnivdiidveinddeds PUrnopfiatisd --__-_-_-_-_-_-_-_--_ 
 
2,480 29 
 
Banking House ------------ 2,750 00 Due to Banks in this State 1,943 66 
 
Furniture and Fixtures ____ Other Real Estate Owned . 
 
4,006 Oo --------- 
 
CDaulel toMBonaenyks .i-n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State --------- Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies.---Advances on Cotton- _____ - __ 
 
6,102 6,648 
 
9914 
 
D eCpmohsaeinctkd _-_C-_-_e-_r-_t i_-f_-i c_-a_-t_-e_-s_-_-_-o_-f_-_-D-_-e-- 
 
118,011 29,313 
 
14 14 
 
125 820 
 
00 10 
 
Time Certificates of Deposit Savings Deposits __________ _ 
 
52,351 51 
 
15,230 27 Trust Funds on Deposit ____ _ 
 
Advances on other Commodities - ____ - - _--- -- ___ - - - _- 
Checks for Clearing House--- 
 
- -- __ -- - --------- 
 
CCearsthifiieerd's CChheeckcsks_-_-_-_-_-_-_-_-_-_-_--_ 15,877 07 Bills Payable _____________ _ 100,514 29 
 
Other Checks and Cash Items 
 
846 22 Notes and Bills Rediscounted 9,987 25 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
atenrcsesof__C_ r-e_d_i_t__a_n-d- _A__c_c-e-p_t-_ 
 
________ _ 
 
Borrowed Money --------Liability on Letters of Credit, 
 
Overdrafts- (if any) ___ ----- 1,524 24 and Acceptances ---------- 
 
Other Assets --------------- --------- ORethseerrveLifaobriIlnittieerses_t_a_n__d_T_a__x_es_ 
 
Total --------------------$399,478 35 Total --------------------$399,478 35 
 
 78 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
THE MERCHANTS & PLANTERS BANK, BOWDON. 
 
At Close of Business November 30, 1920. 
 
President-H. J. Reaves. Vice-President-G. W. Burson. Oashier-\'V. G. Brown. 
 
Directovs-H. J. Reaves, \V. G. Brown, I. H. P. Beck, J. T. Kaylor, G. W. Bmson, W. T Beck, J. H. Barr. 
 
Date of Cha.rter-August 30, 1911. 
 
Began Business-September 15, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$427,369 49 Capital Stock Paid In ------$ 50,000 00 
 
Demand Loans-------------Loans Secured by Real Estate 
 
3,340 09 
________ _ 
 
SAumrpt.luRs eFseurnvded __f_o_r__B__ra_n__c_h_es_ 
 
21,500 00 
 
United States Bonds -----Other Stocks and Bonds____ 
 
3,832 46 _ _______ _ 
 
UDnivdiidveinddeds 
 
PUrnopfiatisd --_-_-__-_-_---_-_ -_ 
 
Banking House ------------ 12,166 40 Due to Banks in this State __ 
 
Furniture and Fixtures ____ Other Real Estate Owned ____ 
 
5,404 36 --------- 
 
DCaulel toMBonaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
and in other States ------ 
Currency -----------------SGiolvlder, -N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-.-_-----_-_ Advances on Cotton _____ -_-_ Advances on other Commodi- 
ties ___ - -----------------Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances _- ______ -----------Overdrafts-Of any) ___  __ 
 
28,390 3,402 710 
 
800300 
 
DeCpmohesaicntkd 
 
_-C_-_-e_-r_t-i_-f_-ic_-a_-t_-e_-s_-_-_-o_-f_-_-D_-_-e-_- 
 
119,655 24,019 
 
51 58 
 
515 83 Time Certificates of Deposit 45,587 85 
 
8,556 60 Savings Deposits ----------- 8,028 57 
 
Trust Funds on Deposit. __ _ 
 
--------315 55 189 23 
 
Cashier's Checks __________ _ Certified Checks ___________ _ 
 
629 
 
Bills Payable ____________ _ 225,000 
 
38 00 
 
Notes and Bills Rediscounted 4,000 00 
 
--------- CeBrtoirfriocawteesd MoofneDy e_p_o_s_i_t___f_or_ 
 
1, 750 48 Liability on Letters of Credit, 
 
OPrtohfeirt aAnsdseLtsos-s--__--- -_-__---_-.-------- 
 
764 00 and Acceptances ---------2,532 81 Reserve for Interest and Taxes 
Other Liabiliites: 
 
Cash Long ----------------- 
 
63 09 
 
Total ---------------------$498,483 68 Total -------------------$498,483 6S 
 
BANK'S STATEMIENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans Demand Loa 
 
n-s- 
 
- 
 
-_-_-_-_-_-_- -_-_---_- $_ _3 6 1 
 
, 
 
925000 
 
0906 
 
Capital Stock Paid In ------$ 50,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds ------ 
 
43,926 3,832 
 
84 46 
 
SUunrdpilvuids eFd unPdrof-it-s---_-_-__-_--_-_-_-_ -__ _21_,5_0_0___00_ 
 
Other Stocks and Bonds.-_. __ ------- Dividends Unpaid ---------- --------Banking House ------------ 12,166 40 Due to Banks in this State 3,436 57 
 
Furniture and Fixtures-----Other Real Estate Owned.... 
 
5,404 36 --------- 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r_S__ta__te__s 
 
-_-_-_-_-_-_ _- _- -_ 
 
Due from Banks in this State 13,708 69 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CGuolrdren_c__y - -_-----_-_-_-_-_-__-_-_-_-_-_-_-_-_--_ 
Silver, Nickels, Pennies____ _ Advances on Cotton Advances on other CommodiChteiecsks __f_o_r -C--l-e-a-r-in-g---H-o-u-s-e-_-_Other Checks and Cash Items 
 
1,908 27 2,254 00 
660 00 500 79 5,053 08 
-_-_-_-_-_-_-_ _- -_ 3,068 65 
 
Check Demand 
 
------------------Certificates of De- 
 
121,308 
 
35 
 
posit--------------------Time Certificates of Deposit STarvuisntgsFuDndeps osoints D-e-p-o-s-i-L--_-_-_ Cashier's Checks _________ _ Certified Checks ___________ 
 
22,456 78 29,509 85 
8,014 68 ________ _ 
_ ___6_8_2 __23_ 
 
Bills Payable -------------- 202,406 17 Notes and Bills Rediscounted 4,000 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
CeBrtoirfrioc'a\Vteesd MofoneDyep_o_s_i_t___fo__r ________ _ 
 
O va necr edsr a f-t-s---O- -f- -a- n- -y-)- - - - - - - Other Assets: Profit and Losil ------------ 
 
Liability on Letters of Credit, 2,372 00 and Acceptances __________ ________ _ 
Reserve for Interest and Taxes ________ _ 6,308 13 Other Liabilities ___ _____ ____ ________ _ 
 
Total --------------------$463,314 63 Total ---------------------$463,314 63 
 
 FIRST ANNUAL REP0ttT 
 
79 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF BOWERSVILLE, BOWERSVILLE. 
 
At Close of Business July 19, 1920. 
 
President-Jas. J. Esters. Vice-President-R. L. Gains. Cashier-L. H. Ridgeway. 
 
Directors-,Jas. J. Elsters, R. L. Grines, A. N. P. Brown, J. T. Williams, G. H. Shirley, A. D. Hilliard, J. I. Bennett. 
 
Date of Charter-Decembe1r 14, 1906. 
 
Began Business-January 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLd oLanosans---_-_--------_-_-_-_-_-_-$__11_9_,_9_1_9___61_ 
 
Capital Stock Paid Amt. Reserved for 
 
In ------$ Branches 
 
20,000 
 
00 
 
Loans Secured by Real Estate United States Bonds _____ - 
Other Stocks and Bonds ____ 
 
________ _ ------ __ - 
 
SUunrdpilvuids edFuPnrdof-it-s---_-_-_-__-_-_-_-_--_ 
 
--------- Dividends Unpaid _________ _ 
 
12,745 00 
 
Banking House ------------- 1,743 00 Due to Banks In this State __ 
 
Furniture and Fixtures ____ Other Real Esetate Owned __ 
 
2, 739 70 --------- 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 2,843 7~ Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CGuorl dr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ___ _ Advances on Cotton -------Advances on other Commodi- 
ties ____ -- _--------------- 
 
4,798 97 DeCmheacnkd -C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 
 
726 00 posit --------------------- 
 
1,215 32 Time Certificates of Deposit 
 
489 32 --------- 
 
Savings Deposits _________ _ Cashier's Checks __________ _ Certified Checks __________ _ 
 
--------- Bills Payable _____________ _ 
 
55,307 70 
14,888 55 513 70 
30,000 00 
 
Checks for Clearing House __ 
 
102 91 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
91 65 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and AcceptOvaenrcdesraf-t-s---(-i-f-a-n-y--) --_-_-__-_-_-_--_ Other Assets --------------- 
 
Liability on Letters of Credit, and Acceptances ________ _ 
13 60 Reserve for Interest and Taxes Other Liabilities _________ _ 
 
1,360 00 
 
Total --------------------$133,468 55 Total --------------------$133,468 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Tim~ Loans ------ _- _----.$ 87,123 76 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------"~---- Loans Secured by Real Estate United States Bonds ___ "---Other Stocks and Bonds.--- 
 
SAumrpt.luRs eFseurnvded __fo__r__B_r_a_n__c_h_es_ Undivided Profits ________ _ 900 00 Dividends Unpaid ________ _ 
 
5,000 00 1, 752 22 
 
Banking House ------------ 1,743 00 Due to Banks in this State Furniture and Fixtures ___ _ 2,739 70 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 
 
Call Money----------------- 
 
Due from Banks in this State 23,435 83 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CGuolrdren_c__y ------------_-------------_-_-_-__-_--_ Silver, Nickels, Pennies __ ---- 
 
1,640 34 DeCmhaenckd -C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 
 
1, 795 520 
 
00 56 
 
STai mvpioensgCist e rDti-ef-pi c-oa-st-iet-ss- -o_-_f-_-D_-_e-_-p_-o_-_s-i_t-_. 
 
38,255 80 13,971 21 
 
Advances on Cotton ____ ---Advances on other Commodi- 
Chteiecsks -f-o-r--C-l-e-a-r-i-n-g--H-o--u-s-e----- 
 
Trust Funds on Deposit. __ _ Cashier's Checks ___________ _ Certified Checks ___________ _ 
 
559 12 
 
208 61 Bills Payable ------------- 22,000 00 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted 13,568 45 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
O va necr de sr a f-t-s---O- -f- -a-n-y-)- - -_-__- ------ -- 
 
Liability on Letters of Credit, and Acceptances ---------- 
 
Other Assets - -- - -- - -- - - - - - - 
 
Reserve for Interest and Taxes Other Liabilities ___________ _ 
 
Total --------------------$120,106 80 Total --------------------$120,106 80 
 
 80 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.'l'. 
 
BANK OF BOWMAN, BOWMAN. 
 
At Close of Business July 19, 1920. 
 
President-L. W. Hendrick. Vice-President-W. A. Teasley. 
 
Cashier-C. E. Teasley. 
 
Directors-L. W. Hend~ick, W. A. Tea-sley, Dr. W. A. Johnson, E. J. Hewell, Jr., J. A. Glour. 
 
Date of Charter-February 2, 1905. 
 
Began Business-March 6, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$243,236 69 Demand Loans ------------ 22,184 33 Loans Secured by Real Estate 8,639 93 
United States Bonds ------ 3,600 00 Other Stocks and Bonds____ _____ ---- 
 
Capital Stock Paid In ------$ ASumrtp.luRsesFeurvnedd _f_o"r __B_r_a_n_c__h_es_ Undivided Profits _________ _ Dividends Unpaid _________ _ 
 
25,000 00 
5,000 00 26,902 45 
 
Banking House -----------Furniture and Fixtures-----Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------Gold _____ -----'----- ------Silver, Nickels, Pennies ____ _ Advances on Cotton _________ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i_- 
 
4,318 49 Due to Banks in this State._ 
 
2,500 00 Due to Banks in other States 18,500 00 
 
3,281 51 Call Money----------------- 
 
5,846 00 Individual Deposits Subject to 
 
5,837 52 DeCmhaenckd -C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 123,324 81 
 
4,224 00 posit--------------------- 
 
205 697 
 
00 93 
 
Time Certificates Savings Deposits 
 
of Deposit _________ _ 
 
120,094 
 
66 
 
--------- Cashier's Checks __________ _ 
 
458 88 
 
________ _ CBeilrltsifiPedayCabhleecks__-_-_-_-__-_-_-_-_-_-_--_ 
 
Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
152 25 Notes and Bills Rediscounted 672 14 Certificates of Deposit for 
Borrowed Money---------Liability on Letters of Credit, 
 
O va necr edsr a -f t-s---O- -f- -a- n- -y-)- - - - - - - Other Assets: Fire Insurance Fund __ ---Collection Accts. ______ ------ 
 
506 
 
01 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Liabilities __________ _ 
 
120 00 
 
13,259 00 
 
Total -------------------$319,280 80 Total -------------------$319,280 80 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$186,149 38 Demand Loans -------------- 42,441 42 
 
Capital Stock Paid In ------$ :15,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 8,414 28 Surplus Fund -------------- 10.000 00 
 
United States Bonds________ 3,865 90 Undivided Profits ----------- 22 551 95 
 
Other Stocks and Bonds ---- --------- Dividends Unpaid ---------- '100 00 
 
Banking House ------------Furniture and Fixtures.--! Other Real Estate Owned___ 
 
4,018 49 2,300 00 2,494 01 
 
Due to Banks in this State._ Due to Banks in other States Call Money ________________ 
 
--------________ _ ________ _ 
 
Due from Banks in this State 2,860 16 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------- 97,414 82 
 
States -------------------  10,269 37 Demand Certificates of De- 
 
Currency ------------------ 5,108 00 posits -------------------- --------Gold ------------------------ 202 50 Time Certificates of Deposit 71,516 48 
 
Silver, Nickels, Pennies.----- 
 
602 04 Savings Deposits ----------- --------- 
 
Advances on Cotton -------- 3,490 72 Trust Funds on Deposit ____ --------- 
 
Advances on other Commodities ---------------------- 
Checks for Clearing House.- 
 
--------48 65 
 
CCaersthifiieerd's CChheecckkss -_-_-_--_-_-_-_-_-_-_-_ Bills Payable - ____________ 
 
_ ___4_24___86_ 33,000 00 
 
Other Checks and Cash Items 
 
131 19 Notes and Bills Rediscounted 3,869 14 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money __________ ________ _ 
 
ances __ - - - - - - - - - - -- - -- - -Overdrafts-(if any)-------- 
 
--------1,361 14 
 
LiaanbdiliAtyccoenptLaentcteesrs_o__f _C__re_d__it_, 
 
________ _ 
 
Other Assets: 
 
Reserve for Interest and Taxes ________ _ 
 
Mutual Fire Insurance Fund 
 
120 00 Other Liabilities ----------- --------- 
 
Total --------------------$273,877 25 Total --------------------$273,877 25 
 
 FIRST ANNUAL REPORT 
 
81 
 
EXAMINER'S BEPOBT. 
 
FARMERS BANK, BOWMAN. 
 
At Close of Business August 17, 1920. 
 
President----,L. G. Brown. Vice-President-J. J. Brown. Cashier-B. F. Burnett. 
 
Directors-L. G. Brown, J. J. Brown, B. F. Bu:rnett, J. A. Wynne, J. H. Gaines. 
 
Date of Charter-1911. 
 
Began Business-April 15, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$140,679 93 Capital Stock Paid In ____ __ 
 
Demand Loans ------------ 13,896 17 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 7,147 00 Surplus Fund .. __________ . 
 
United States Bonds -------- 1,339 85 Undivided Profits __ ...... __ 
 
Other Stocks and Bonds _.. _ _.... _.. _ Dividends Unpaid ---------- 
 
Banking House ------------ 3,836 00 Du.e to Banks in this State .. 
 
Furniture and Fixtures .. __ 3,250 00 Due to Banks in other States 
 
Other Real Estate Owned .... --------- Call Money ______________ __ 
 
Due from Banks in this State 
 
934 70 Individual Deposits Subject to 
 
Due from Banks in 'other States -------------------- 
CGuolrdren_c__y . -_-..--_-. -_-_-_-_-_-_-_-_-__-_-_-_--_ Silver, Nickels, Pennies _-. _ Advances on Cotton _________ 
 
5,105 14 
1,958 00 5 00 
850 17 --------- 
 
DeCmhaenckd C--e-r-ti-f-ic-a--te-s--o-f--D--e---- 
T ipmoes i tC -e-r t-i-f i-c-a-t-e-s- -o-f- -D- -e-p-o-s-i-t Savings Deposits ______ .. __ . Cashier's Checks .... _.... 
 
Advances on other Commodi- 
 
Certified Checks .......... 
 
ties .. __ - _- . -- -- - - -- - - . -- - - - . -. -- - - Bills Payable .. ____________ . 
 
Checks for Clearing House._ 
 
167 42 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,120 85 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ....... --. 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O va necredsr a -f t-s---(-i-f-a-n- -y-)- -_-_-_-_ -_ _- -.-. 
 
--------- and Acceptances ---------658 27 Reserve for interest and Taxes 
 
Other Assets ......... ---.. .. ....... Other Liabilities ......... 
 
18,400 00 5,000 00 2,494 51 1,316 83 
59,739 71 
50,793 35 75 82 
20,000 00 21,542 00 
111 28 
 
Total --------------------$182,473 50 Total --------------------$182,473 50 BANK'S STATEMENT at Close of Business December 15, ,1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$150,154 95 Capital Stock Paid In ____ .. $184,000 00 Demand Loans __ .... ______ . ____ ... .. Am t. Reserved for Branches ...... __ _ 
 
Loans Secured by Real Estate ........ . Surplus Fund ...... ____ .. __ 5,000 00 
 
United States Bonds-------Other Stocks and Bonds __ __ 
 
634 94 ......... 
 
Undivided Profits Dividends Unpaid 
 
______ .. __ __ __ __ __ __ 
 
685 66 __ ______ _ 
 
Banking House ------------ 3,836 00 Due to Banks in this State --------- 
 
Furniture and Fixtures . . . . Other Real Estate Owned . . __ 
 
3,565 00 __ __ ..... 
 
Due to Banks in other States Call Money __ __ ___ __ __ __ __ 
 
________ _ __ __ . ___ _ 
 
Due from Banks in this State 4,109 55 Individual Deposits Subject to 
 
Due from Banks in other States -------------------- 
GCoulrdren.c.y....-.-.-.-.-.----- -.-.-.-..-.-.-.---- 
 
2,230 31 DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 44,639 67 1,376 00 posit --------------------- --------- 
150 00 Time Certificates of Deposit 41,985 54 
 
Silver, Nickels, Pennies .... 
 
875 75 Savings Deposits ---------- --------- 
 
Advances on Cotton ....... 
 
747 32 Trust Funds on Deposit. ... --------- 
 
Advances on other Commodities ... ------------------- 
 
-------.- 
 
Cashier's Checks __ . _______ __ Certified Checks __ . __ __ __ __ 
 
__ ___6_5_ 2_5_ 
 
Checks for Clearing House.. 
 
535 00 Bills Payable -------------- 30,500 00 
 
Other Checks and Cash Items 
 
847 00 Notes and Bills Rediscounted 27,785 70 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money __ __ __ ___ __ __ . __ __ 
 
O va ne cr de sr a -f t-s---(-i-f- -a-n-y-)- - -.-. -. -. -. -. -. 
 
Liability on Letters of Credit, and Acceptances __ __ __ __ __ __ ______ _ 
 
Other Assets --------------- 
 
Reser-ve for interest and Taxes .... _. _. _ Other Liabilities _. __  ____ __ __ ______ _ 
 
Total --------------------$169,061 82 Total --------------------$169,061 82 
 
 82 
 
BANKING DEPARTMENT 
 
E:XAMINEB'S BEPOBT. 
 
FARMERS BANK, BREMEN. 
 
At Close of Business November 27, 1920. 
 
President-J. P. Boatwri&"ht. Vice-Presidents-J. W. Wood, E. C. Wilson. 
 
Cashier-W. A. Duncan. 
 
Directors-J. P. Boatwright, W. A. Duncan J. W. Wood, Emmett Bell, J. M.. 
 
MCDaniel, K. H. McPherson, E. C. Wilson. 
 
Date of Charteor-August, 1911. 
 
Began Business-September, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$118,104 68 Demand Loans __ ----- ______ 1, 752 25 Loans Secured by Real Estate ________ _ United States Bonds -------- 2,950 00 Other Stocks and Bonds_____ ________ _ 
 
Capital Stock Paid In _______ $ 
Amt. Reserved for Branches Surplus Fund-------------Undivided Profits ---------Dividends Unpaid --------- 
 
17,600 10,530 
 
00 19 
 
Banking House ------------Furniture and Fixtures _____ Other Real Estate Owned.___ 
 
2,170 25 1,823 07 ________ _ 
 
Due to Banks in this State._ CDaulel tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 
 
941 64 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
1,963 03 DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 33,115 83 
 
CGuo lrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ 
 
2, 792 00 posit _______ -- _----------350 00 Time Certificates of Deposit. 35,977 30 288 83 Savings Deposits ______ --- __ 
 
Advances on Cotton_--- ____ _ 
 
707 95 Trust Funds on Deposit. ___ _ 
 
Advances on other Commodi- 
 
Cashier's Checks _---- __ - __ _ 
 
ties ___ -- - -- -- -- - -- - -- - - - - - - - - -- - - Certified Checks __________ _ 
 
499 65 
 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
 
575 222 
 
91 95 
 
Bills Payable --------------Notes and Bills Rediscounted 
 
32,500 00 4,600 00 
 
Certlficates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances _____ --------------Overdrafts (if any) _.- ____ _ 
 
--------188 62 
 
Liability on Letters of Credit and Acceptances _________ 
 
--------- 
 
Other Assets: Army Warrants _____  ____ _ 
 
Reserve for Interest and Taxes 8 25 COathsher LLoinagbil_i_ti_e_s_:___________ _ 
 
16 46 
 
Total---------------------$134,839 43 Total---------------------$134,839 43 BANK'S STATEME1NT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$108,637 28 Capital Stock Paid In _______ $ 17,600 00 
 
Demand Loans ------------- 1,315 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 5, 753 00 Surplus Fund -------------- 4,000 00 
 
United States Bonds________ 2,950 00 Undivided Profits ----------- 5,505 08 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- --------- 
 
Banking House ------------Furniture and Fixtures _____ Other Real Estate Owned____ 
 
2,170 25 1,823 07 ________ _ 
 
Due to Banks in this State __ Due to Banks in other States Call Money ___ ____ __ ___ ___ _ 
 
--------________ _ ________ _ 
 
Due from Banks In this State 1,532 97 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GC oulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies_----_ Advances on Cotton ________ _ 
 
1,199 1,220 
 
00 2 0 
 
D epCmohsaeinctkd _ _C-_-_e-_r t-_i-_f-i_c-_a-_t-_e-_s-_-_-o_-_f-_-_D-_-_e--_ 
 
28,620 41 _ _______ _ 
 
350 00 Time Certificates of Deposit. 33,902 90 
 
278 35 Savings Deposits ----------- --------- 
 
860 90 Trust Funds on Deposit. ____ --------- 
 
Advances on other Commodi- 
Chteiceks s -fo--r--C-l-e-a-r-in-g---H-o-u-s-e-_-Other Checks and Cash Items Overdrafts (if any) ------- 
 
- - - -2-36- - -2-4 41 02 40 82 
 
CCearsthifiieerd's CChheecckkss __-_-_-_--_-_-_-_-_-_-_ Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _________ 
 
__-6--79___53_ 32,500 00 
5,600 00 
__- ___ - __ 
 
Liability on Letters of Credit and Acceptances --------- _________ 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total---------------------$128,407 92 TotaL--------- __________ .$128,407 92 
 
 FIRST ANNUAL REPORT 
 
83 
 
EXAMilii'EB'S B.EPOBT. 
 
BANK OF BREMEN, BREMEN. 
 
At Close of Business November 27, 1920. 
 
President-W. H. Williamson. Vice-Bresident-S. S. Copeland. 
 
Cashier-W. L. Long. 
 
Directors-W. H. Williamson, s. S. Copeland, G. J. Holcome, W. S. Jones, John 
 
H. Shelnut, A. P. McPherson, J. H. Jones. 
 
Date of Charter-February 23, 1903. 
 
Began Business-Ma,rch 25, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$165,625 84 Capital Stock Paid In ______ $ 40,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ______ 
Other Stocks and Bonds ____ 
 
6,778 01 ________ 10,000 00 
--------- 
 
ASumrtp.luRsesFeurvnedd _fo__r__B__ra_n__c_h_es_ Undivided Profits _________ _ 
Dividends Unpaid _________ _ 
 
10,000 00 18,664 10 
 
Banking House _ __ __________ 2,000 00 Due to Banks in this State 
 
Furniture and Fixtures______ Other Real Estate Owned ____ 
 
2,382 45 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 
 
Individual Deposits Subject to 
 
CuarnrdencByan_k_s__i_n__o_t_h_e_r__S__ta_t_es 
 
8,725 79 1,041 00 
 
DeCmhaencdk 
 
C- -e-r-t i-f-i c-a-t-e-s- - -o-f- -D- -e-- 
 
39,106 04 
 
SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__--_Advances on Cotton ________ 
 
30 00 _ _8_3_2_ _ _ _57_ 
 
T ipmoes i tC e -r t-i-f i-c-a-t-e-s- -o-f- -D- -e-p-o-s-i-t Savings Deposits _________ _ 
 
2,051 67 57,248 01 
 
A dtvi easn c e_s- -o_n_ _o_t_h_e_r_ _C_o__m_m_ _o_d_i_Checks for Clearing House 
 
Cashier's Checks _________ _ 
 
________ _ ________ _ 
 
CBei lrltsi f iPe da y aCbhleec k_s_ _ _-_-_-_-_-_-_-_-_-_- -_ 
 
717 76 35,000 00 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 
 
Customers' Liability on Letat enrcse so f_ _C_r_e_d_i_t _ _a_n_d_ _A_ _c_c_e_p_t _- 
Overdrafts- (if any) ______ _ 
 
________ _ 5,924 15 
 
Certificates of Deposit for Borrowed Money _______ _ 
LiaanbdilityAcocnepLteatntceerss o_f _C_r_e_d_i_t_, 
 
________ _ 
 
OCathsher SAhsosretts:_______________ _ 
 
Reserve for Interest and Taxes 
 
11 
 
38 
 
Other Liabilities __________ _ Unearned Interest _________ _ 
 
121 97 441 64 
 
Total -------------------$203,351 19 Total -------------------$203,351 19 
 
BANK'S STATEMJENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $126,576 06 Capital Stock Paid In _____ -$ 40,000 00 
 
Demand Loans ------------ 3,879 15 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -----Other Stocks and Bonds____ 
 
36,298 99 10,000 00 
250 00 
 
USnudrpivluidsed FPurnodfits--_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid _________ _ 
 
10,000 00 18,218 51 
 
Banking House ----------- 2,000 00 Due to Banks in this State 
 
Furniture and Fixtures ____ Other Real Estate Owned__ 
 
2,496 45 _ _______ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due From Banks in this State 17,412 88 Individual Deposits Subject to 
 
Due from Banks in other CuSrrteantecsy -_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
5,842 2,055 
 
3020 
 
DeCpmhoaesncidkt 
 
-C---e--r_-ti_-f_-i_c-_a-_t-e_-s_-_-_-o_-f_-_-_D-_-e-_- 
 
44,040 96 2,051 67 
 
SGiolvlder, --N--ic-k-e-l-s-, --P--e-n-n-i-e-s-_-__--_ 
 
30 879 
 
00 59 
 
Time Certificates of Deposit Savings Deposits _________ _ 
 
Advances on Cotton _______ _ Adtvieasnce_s__o-n- _o-t-h-e-r_-C- o_m__m__o_d_i_- 
 
4,056 29 ________ _ 
 
Trust Funds on DeposiL __ _ Cashier's Checks _________ _ Certified Checks __________ _ 
 
57,108 01 238 48 
 
Checks for Clearing House ________ _ Bills Payable ------------- 40,000 00 
 
Other Checks and Cash Items 
 
804 99 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
O vaenrcdersa f t-s---(-l-f- -a-n-y-)- - -_-_-_-_-_-_ -_ Other Assets _____________ 
 
-_-_-_-_-_1_-8_-_-4-7_ 
 
LiaanbdilitAycocnepLtaentcteerss o__f _C_r_e_d_i_t_, ________ _ Reserve for Interest and Taxes 
 
Other Liabilities: Unearned Interest _______ _ 
 
942 56 
 
Total --------------------$212,600 19 Total --------------------$212,600 19 
 
 84 
 
BANKING DEPARTMENT 
 
EXAMDI'EB.'S B.EPOB.'1'. 
 
BANK OF BRADLEY, BRADLEY. 
 
President-A. L. Harris. Vice-President-M. H. Mullekin. Cashier-A. A. LeGuin. 
 
Directors-L. 0. Benton, N. H. Barron, N . .N. Barron, M. H. Mullekin, R. L. 
 
BTadley, J. J. Glawson, S. B. Hungerford, A. L. Harris, B. F. Winters. 
 
Date of Charter-September 23, 1920. 
 
Began Business-October 20, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo a Ln so a-n-s- - -_-_-_-_-_ -_ _- _- _-_-_- -_ 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ___ _ 
Banking House -----------Furniture and Fixtures. ___ _ Other Real Estate Owned ___ _ Due-from Banks in this State Due from Banks in other 
States ___ ----- __________ _ 
Currency ------------------GS iol lvde r ,- -N- -i -c -k-e-l s-,- -P-e-n- -n-i e-s- - -_-__- -_ Advances on Cotton ______ - __ Advances on other Commodi- 
C ht ieecsk s - -f-o-r- - -C-l-e-a-r-i-n-g- - -H-o- u- -s -e Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O va ne cr de sr a f-t-s---O- -f- -a-n-y-)- - -_-__-_- -----Other Assets: Profit and Loss ------------ 
 
Capital Stock Paid In  __  $ 15,000 00 Amt. Reserved for Branches  _. ____  
 
Surplus Fund -------------- --------- 
 
Undivided Profits ----------- --------- 
 
Dividends Unpaid --------- --------- 
 
4,160 27 Due to Banks in this State --------- 
 
650 00 
 
Due to Banks in other States Call Money ___  _. _____  ____ 
 
____  _. ____  _. 
 
Individual Deposits Subject to 
 
10,116 73 
 
DepCmohsaetnct kd__C-_-_e-_r-t_i-_f-i_c-_a-_t-_e-_s-_-_-o_-_f-_-_D-_-e_--_ 
 
--- ---- -_ _______ _ 
 
Time Certificates of Deposit._ ________  
 
Savings Deposits------------------Trust Funds on Deposit. .. --------Cashier's Checks _--.-----. _. _. ______  Certified Checks _~ ____  _ _ _. _. ____ _ Bills Payable _---- _. __ -. ___ ________ , Notes and Bills Rediscounted ______ _ Certificates of Deposit for _________ _ 
Borrowed Money __ ---- __ _ ________ _ 
 
Liability on Letters of Credit, and Acceptances ____ ---. _ _. ______ _ 
Reserve for interest and Taxes _ _____ - 
73 00 Other Liabilities  ---------  ------ __ 
 
Total --------------------$ 15,000 00 Total --------------------$ 15,000 00 
 
BANK'S STATEMffiNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -- _____________ $ 14,414 69 Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans _----- __ ---- 
 
Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -----OBathnekrinSgtoHckosusaend__B_o_n_d__s__-_-_--_ 
 
500 00 SUunrdpilvuisdedFunPdrofi-t-s---__-_-_----__--_ Dividends Unpaid __  _ __ _ 
4,310 65 Due to Banks in this State 
 
Furniture and Fixtures_-. __ Other Real Estate Owned---- 
 
1,027 46 CDaulel toMoBnaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 8,280 54 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
DeCmhaencdk C--e-rt-i-fi-c-(-lt-e-s---o-f--D--e-1,768 00 posit --- __  _-- _____ ---- __ 
Time Certificates of Deposit 279 50 Savings Deposits --. __ ---  
 
14,264 13 
 
Advances on Cotton ____ ---. 
 
Trust Fund on Deposit. _ 
 
Advances on other Commodi- 
 
Chteiecsks 
 
-----------~--------for Clearing House._ 
 
Cashier's Checks,----------- 1,742 50 Certified Checks ----------Bills Payable _---- ___ ----- _ 
 
Other Checks and Casn Items 
 
Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit lfor Borrowed Money ___  ____ _ 
 
O va necredsr a-f -t s---(-i-f- -a-n-y-)- - -_-__- -------- 
 
LiabilitY on Letters of Credit, and Acceptances 
 
Other Assets: Profit and Loss ---------- 
 
Reserve for Interest and Taxes 425 79 Other Liabilities ______  _. _ 
 
Total --------------------$ 31,006 63 Total --------------------$ 31,006 63 
 
 1- 
 
FIRST ANNUAL REPORT 
 
85 
 
EXAllllillrEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, BREWTON. 
At Close of Business August 10, 1920. 
 
President-J. L. Keen. Vice-Presidents-H. T. Bush, J. H. Curl. Cashier-L. P. Keen. 
Dlrectors-J. L. Keen, H. T. Bush, J. H. Curl, L. P. Keen, E. B. Jones, F. H. Brantley, C. G. Moyes, M. G. Thig1pen. 
 
Date of Charter-May 26, 1910. 
 
Began Business-May 26, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 57,997 86 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 21,461 48 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds- ______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ 
 
15,800 
 
00 
 
US unrdpi vl ui ds e dF uPnrdo f i-t-s - -_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid _________ _ 
 
5,000 00 635 28 130 00 
 
1, 756 25 Due to Banks in this State-- --------- 
 
Furniture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
1,918 
 
47 
 
Due to Banks in other States Call Money ________________ 
 
________ _ ________ _ 
 
Due from Banks in this State Due from Banks in other 
States ------------------CGSiuollvrdreern,_c_Ny_i_c_k-_e-_l-_s-_, _-P_-_-e_-n_-n_-i_-e_-s_-_-__-___-__--__ Advances on Cotton ________ _ 
 
5, 901 61 
3,944 71 264 00 744 80 22 00 
 
Individual Deposits Subject to 
Check ------------------DemandCertificates ofDeposit Time Certificates of DepositSavings Deposits ----------CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_-_-_ 
 
53,927 93 17,578 82 ----------------_ ___2_37___70_ 
 
Advances on other Commodi- 
Otthieers C-h-e-c-k-s--a-n-d--C-a-s-h--I-t-e-m--s Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f t s- - (-i-f- -a-n-y-)- - -_ _- _-_-_-_-_- -_ Other Assets _____________ _ 
 
Bills Payable -------------- 20,000 00 Notes and Bills Rediscounted --------114 74 Certificates of Deposit for 
Borrowed Money ____ ---- _ ________ _ 
 
Liability on Letters of Credit 
 
2,584 31 and Acceptances ---------~ --------- 
 
Rese;rve for Interest and '!.'axes --------- 
 
COathsher LLoinagbil_i_t_ie_s_:_____________ _ 
 
50 
 
Total---------------------$112,510 23 Total---------------------$112,510 23 BANK'S STATEMJENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ___________ - ____ $ Demand Loans ____________ _ 
 
59,226 25,530 
 
15 50 
 
Capital Stock Paid In-------$ Amt. Reserved for Branches 
 
15,000 QO 
 
Loans Secured by Real Estate United States Bonds _______ _ OBathnekrinSgtoHcokus saend___B_o__n_d_s_-_-_-_--_ Furniture and Fixtures_- __ -Other Real .Estate Owned ___ _ 
 
15,900 00 1, 756 25 2,031 17 
 
Surplus Fund -------------UDnivdiidveinddeds PUrnopfiatisd --_-_-_-_-_-_-_-_-_-_ DDuuee ttoo BBaannkkss iinn oththiserSStatatete--s Call Money ________________ 
 
5,000 00 _ _1_, 1__9_9__49_ _- _-_-_-_-_-_-_- -_ ________ _ 
 
Due from Banks in this State 3,392 81 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 38,921 45 
 
States ------------------Currency -----------------SGiolvlder,--N-i"c-k-e-l-s-, -P-e-n--n-i-e-s---_-__-_--_ Advances on Cotton ________ _ Advances on other Commodi- 
 
2,531 20 Demand Certificates of De1,487 87 TipmoesiCt e-r-t-if-i-c-a-te-s--o--f -D--e-p-o-s-i-t-- -1-7-,2-7-7---73- 
606 22 Savings Deposits----------- --------5,000 00 Trust Funds on Deposit_ ____ --------- 
Cashier's Checks _ __________ 249 01 Certified Checks ____________ ________ _ 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se--__- 
 
Bills Payable -------------- 26,000 00 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted 15,000 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
CeBrtoirfricoawteesd MofoneDyep_o_s_i_t___fo_r_ ________ _ 
 
Ovaenrcdersaft-s--(-i-f--a-n-y-)---__------_------ 1,185 51 LiaanbdilitAycocnepLtaentcteerss _o_f_C_r_e_d_i_t_, ________ _ 
 
Other Assets _---- _-------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total ------"-------------$118,647 68 Total --------------------$118,647 68 
 
 86 
 
BANKING DEPARTMENT 
 
EXAIIIlii'EB'S BEPOBT. 
 
CITIZENS BANK, BRINSON. 
 
At Close of Business August 23, 1920. 
 
President-J. H. Brinson. Vice-President-H. H. Brinson. Cashier-A. Y. Jones. 
 
Directors~J. H. Brinson, H. H. Brinson, A. Y. Jones, 0. L. Watts, W. R. Brown. 
 
Date of Charter-December 17, 1910. 
 
Began Business-December 22, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
----------------$ TDiemmeanLdoaLnosans ___ - - _______ _ 
Loans Secured by Real Estate 
 
81,262 10 Capital Stock Paid In _______ $ 15,000 00 SAumrpt.luRs esFeurvnedd__fo__r __B_r_a_n_c_h_e_s_ ________________ __ 
 
United States Bonds _______ _ 
 
Undivided Profits ----------- 3,389 88 
 
OBathnekrinSgtoHckosusaend___B_o_n_d__s________ __ 2,000 00 DDiuveidteondBsanUknspianidth-is---S-t-a-te-_-_- -_-__-_-_-_-_-_--_ 
 
Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ Due from Banks in this State 
 
1,860 70 
--Diiiii-iii 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_ta__te_s_ Individual Deposits Subject to 
 
-_-_-__- _-_-_-_- -_ 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- - N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-_-_ -_ Advances on Cotton- _______ _ 
 
6,900 41 1,490 00 
632 50 432 42 
 
DeCpmohsaeinctkd__C_-_-e_-r_t-i_-f_-ic_-a_-t_-e--s-- -- -o- -f_---_D-_-e_--_ STaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_it___ Cashier's Checks _-------- __ 
 
29,676 88 - - - - ____ _ _3_4_,0__0_6__80_ 
455 69 
 
Advances on other Commodi- 
 
Certified Checks __ --------- _ ---- ____ _ 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ 
 
Bills Payable--------------- 15,000 00 Notes and Bills Rediscounted _- ______ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
CeBrtoifrircoawteesd MofoneDyep_o-s-i_t__f_o_r_ ________ _ 
 
ters of Credit and Accept- 
 
LiaanbdilitAycocnepLtaentcteerss _o_f_C_r_e_d_i_t_, ________ _ 
 
Ovaenrcdersaft-s--(-I-f--a-n-y-)---_-_-__-_-_-_--_ 1,032 54 ORethseerrveLifaobrilIintiteesres_t__a_n_d__T_a_x_e_s _-_-_-_-_-_-_-_--_ 
 
Total --------------------$ 98,186 66 Total --------------------$ 98,186 66 
 
BANK'S STATEMJENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLd oLa nosa n s- - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
61,297 39 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ 
 
4,542 47 Surplus Fund _______ _______ ________ _ UDnivdiidveinddeds UPnropfaiitds -_-_-_-_-_-_-_-_-_-_ _ _4_,1_0__1__09_ 
2,000 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ 
 
1,860 70 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_te_s_ -_-_-_-__-_-_-_--_ 
 
Due from Banks in this State 4,87 4 48 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-__-_- -_ Advances on Cotton_-- _____ _ Advances on other Commodi- 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se--__- 
 
4,528 26 1,398 00 
637 50 370 98 
1,313 75 
 
Check --------------------Time Certificates of Deposit_ Savin,gs Deposits ----------Trust Funds on Deposit_ ____ CCearsthifiieerd's CChheecckkss __----------- -- -_-_-_-_ Bills Payable ______________ 
Notes and Bills Rediscounted Certificates of Deposit for 
 
27,328 51 21,256 80 ----------------_ ___5_9_7__51_ ________ _ ________ _ 
 
Other Checks and Cash Items 
 
Borrowed Money --------- 15,000 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
LiaanbdilitAycocnepLtaentcteerss _o_f_C_r_e_d_i_t_, ________ _ 
 
Ovaenrcdersaft-s--(-i-f--a-n-y-)---------__--- -_-_ 
 
460 38 ORtehseerrveLifaobrilIintiteesres_t__a_n_d__T_a_x_e_s _-_-_-_-_-_-_-_--_ 
 
Other Assets -------------- 
 
Total---------------------$ 83,283 91 Total---------------------$ 83,283 91 
 
 FIRST ANNUAL REPORT 
 
8'1' 
 
EXAlllliKEB'S BEPOBT. 
 
FARMERS BANK, BRONWOOD. 
 
At Close of Business July 21, 1920. 
 
President-D. B. Hill. Vice-Presldents-L. w. Denton, N. N. Massey 
 
Cashie'l'-J. Fred Ball. 
 
Dlrectors-D B. Hill, L. N. Denton, N. N. Massey, L. B. I:'enton, F. L. McGill, 
 
J, L. McLeod, ,J, C. Holland, J. Fred Ball. 
 
Date of Charter-April 30, 1913. 
 
Began Business-May 5, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loana ----------------$156,068 91 Capital Stock Paid In-------$ 25,000 00 
 
Demand Loans --- ___ ____ ___ 4,681 52 Amt. Reserved for Branches ____ - ___ _ 
 
Loans Secured by Real :~<-:state ________ _ Surplus Fund _____________ _ United States Bonds________ 2,861 90 Undivided Profits __________ _ 
 
5,000 00 2,218 73 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid _________ _ 
 
430 00 
 
Banking House ____________ 2,500 00 Due to Banks in this State-_ ________ _ 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
2,500 00 1,500 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_ta__te_s_ 
 
________________ __ 
 
Due from Banks in this State Due from Banks in other 
States ------------------CG uo lrdr e n_c_y_ _ _ _-_- -- -- -_-_-_-_ -_ _- _- _-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ Advances on Cotton_________ 
 
4, 770 05 
8,644 14 3,494 00 
240 00 647 60 ________ _ 
 
Individual Deposits Subject to 
DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits _____ - __ -- _ 
CCearsthifiieerd's CChheecckkss __--__--_-_-_-_-_-_-_-_ 
 
_7_0_,_3_1_9__51_ 34,661 42 - ___ - ___ _ 
_ ___3_6_8__93_ 
 
Adtiveasnce_s__o_n__o_t_h_e_r__C_o__m_m__o_d_i_- ________ _ BNioltless PaanydabBleills--R--e-d-is-c-o-u--n-te-d- -5_5_,0_0_0___00_ 
 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
47 25 Certificates of Deposit for 3,166 39 Borrowed Money --------- --------- 
LiaanbdilitAycocnepLtaen\cteerss _o_f_C_r_e_d_i_t_, ________ _ 
 
Ovaenrcdersaf-ts---(-i-f--a-n--y-)-------- 1,876 83 ORtehseerrveLifaobrilIintiteesres_t__a_n_d__T_a_x__es _-_-_-_-_-_-_-_--_ 
 
Other Assets -------------- --------- 
 
TotaL-- ______ - __________ -$192,998 59 TotaL--- ___ --_-------- ___ $192,998 59 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$152,495 88 Capital Stock Paid In _______ $ 25,000 00 Demand Loans --- _-- __ -- _-- --------- Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds________ 
 
--------2,864 90 
 
USunrdpivluids edFuPnrdofi-t-s--_-- -_-__----_-_-_-_-_ 
 
51,,603010 0430 
 
OBathnekrinSgtoHckosusaend- _B_o__n_d_s_-_-_--_-_ 
 
- -2-, 5- 0- 0- - -00- 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
--------5,000 00 
 
Furniture and Fixtures-----Other Real Estate Owned-___ 
 
2,500 00 1,500 00 
 
Due to Banks in other States Call Money ________________ 
 
________ _ ________ _ 
 
Due from Banks in this State 
 
824 04 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ____ ------------------Silver, Nickels, Pennies_---Advances on Cotton and other 
Commodities _- ______ -- _-- 
 
Check ------------------- 35,690 60 
 
1,378 83 Demand Certificates ofDeposit 3,000 00 
 
348 00 135 00 
 
TSaimviengCserDtiefpicoastietss o__f _D__e_p_o_s_i_t__ 
 
_2_7_,_5_4_4__93_ 
 
465 4,126 
 
67 58 
 
Trust Funds on Deposit_ ____ Cashier's Checks __________ _ Certified Checks ___________ 
 
--------_ ___2_6_9__14_ 
 
Checks for Clearing House_- _____ -- _- Bills Payable -------------- 68,500 00 
 
Other Checks and Cash Items 2,497 20 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -- -- -- -- -- -- -- -Other Assets _--- __ -------- 
 
Borrowed Money --------- --------LiaanbdilitAycocnepLtaentcteerss _o_f_C_r_e_d_i_t_, ________ _ Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$171,636 10 Total --------------------$171,636 10 
 
 r 
 
88 
 
BANKING DEPARTMENT 
 
EXAMINElt'S ltEPOBT. 
 
BANK OF BROOKLET, BROOKLET. 
 
At Close of Business July 24, 1920. 
 
President-Thos. R. Bryant. Vice-Bresident-R. H. Warnock. 
 
Cashier-Paul B. Lewis. 
 
Directors-Thos. R. Bryant, R. H. Warnock, D. L. Alderman, W. C. Cromley, 
 
H. E. Wlright, J. W. Robertson, J. W. Shearouse. 
 
Date of Charter-May 12, 1907. 
 
Began Business-December 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans __ - _________ _ 
 
82,994 880 
 
Loans Secured by Real Estate 33,494 
 
United States Bonds -------Other Stocks and Bonds ____ _ 
 
40 
00 36 
 
Capital Stock Paid In _______ $ 25,000 00 
 
ASumrtp.luRs eFseurnvded __fo__r__B_r_a_n_c_h__es_ Undivided Profits _________ _ 
 
5,000 00 
 
Dividends Unpaid _________ _ --.i49-23 
 
Banking House ------------ 1,921 65 Due to Banks in this State._ 
 
Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ 
 
1,250 00 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 33,169 71 Individual Deposits Subject to 
 
DuSetatfersom___B_a_n_K__s___i_n___o_t_h_er_ Currency _________________ _ 
 
1,276 83 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 82,681 23 401 00 Time Certificates of Deposit. 33,273 22 
 
SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-.-_-_-_-_ Advances on Cotton ________ _ Advances on other Commodi- 
 
110 00 347 38 
 
CSaavshinigers'sDCephoesciktss Certified Checks 
 
-_-_-_-_ -_ _- _- _-_-_- -_ __________ _ 
 
380 64 
 
Bills Payable _____________ _ 10,000 00 
 
Chteiecsks -fo--r --C-l-e-a-r-in--g--H-o--u-s-e-._- 
 
Notes and Bills Rediscounted 1,398 50 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
375 78 Borrowed Money --------- 
 
Customers' Liability on Letters of Credit and Accept- 
 
LiaanbdilitAycocnepLtaentcteerss _o_f_C__re_d__it_, 
 
Ovaenrcdersaf-ts---(i-f--a-n-y-)---_-_-_-_-_-_---_ 1,050 68 ORethseerrvLe ifaobriIlinttieesres_t__a_n_d_T__a_x_e_s Other Assets _________ - __ -- 
 
185 97 
 
Total --------------------$158,670 29 Total---------------------$158,670 29 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s---_-_-_-_-_---_-_----------$ 
 
90,191 1,045 
 
40 17 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
25,000 
 
00 
 
Loans Secured by Real Estate United States Bonds - __ ---- _ Other Stocks and Bonds ____ _ 
 
20,132 73 SUunrdpilvuids edFuPndrof-it-s---_-_-_-_-__-_-_-_--_ Dividends Unpaid _________ _ 
 
5,000 00 1,495 48 
 
Banking House ------------ 1,921 65 Due to Banks in this State._ 
 
Furniture and Fixtures.----Other Real Estate Owned._-_ 
 
1,250 00 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 1,707 20 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuolrdren__cy-- _-__-_----------_-_-__-_--- -_-_-__--_ 
 
1,679 33 DeCmhaencdk Ce-r-t-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t 32,715 58 
 
1,203 00 Time Certificates of Deposit_ 115 00 Savings Deposits __________ _ 
 
30,976 66 
 
Silver, Nickels, Pennies.---- 
 
507 71 Trust Funds on Deposit. ___ _ 
 
Advances on Cotton_-------Advances on other Commodi- 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se---_- 
 
CCearsthifiieerd's CChheecckkss -_-__-_-_-_-_-_-_-_--_ 
 
245 13 
 
Bills Payable _____________ _ 25,000 00 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
521 40 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and AcceptOvaenrcdersaft-s--(-i-f--a-n-y-)---- -_-----------_ 
- - - - - Other Assets _____ - _--- _- __ 
 
Liability on Letters of Credit, and Acceptances ________ _ 
ROet hs eerrv eL fi aobr iIlni ttieerse s_t_a_n_d_ _T_a_x_ _e s_ 
 
--------- 
 
Total---------------------$120,432 85 TotaL------- __ --- __ --_-_ .$120,432 85 
 
 FIRST ANNUAL REPORT 
 
89 
 
EXAMI:NEB.'S B.EPOB.T. 
 
BROOKS BANK, BROOKS. 
 
At Close of Business September 22, 1920. 
 
President-K. B. Banks. Vice-President-F. M. Scott. Cashier-T. A. Scott. 
 
Direetors-K. B. Brooks, F. M. Scott, T. A. Scott, Sam Boykin, J. H. Jones. 
 
W. H. Scott. 
 
Date of Charter-August 8, 1907. 
 
Began Business-September, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$125,096 97 Capital Stock Paid In-------$ 15,000 00 
 
DLoemanasndSecLuoraends b-y-R--e-a-l-E--s-t-a-t-e 
 
_1_0_,5_6_2___45_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
3,000 00 
 
OUtnhieterdSStotactkess aBnodndBson-d-s-_-_-_-_-_- _-_-_-_-_-_-_-_--_ UDnivdiidveidnedds PUrnopfaitisd --_-_-_-__-_-_-_-_--_ 
 
Banking House ___________ _ 1,470 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ 1,401 18 Due to Banks in other States 
 
Other Real Estate Owned ___ _ Due from Banks in this State 
 
--6~318-56 
 
Call Money ------- __ - _____ _ Individual Deposits Subject to 
 
12,881 21 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i -c -k-e-l s-,- -P- -e-n-n-i-e-s -_-__-_- -_ Advances on Cotton_--_-- __ A dt vi easn c e_s__o_n- -o_t_h_e_r__C_o_m_ _m__o_d_i -_ 
 
578 32 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 1,371 00 Time Certificates ----------- 
47 50 Savings Deposits ----------465 77 Cashier's Checks ----------1,884 27 CBeilrltsifiPedayaCbhleeck_s___-_-_-_-_-_-_-_-_-_--_ ________ _ Notes and Bills Rediscounted 
 
56,467 86 24,390 92 
177 36 41,000 00 
 
Checks for Clearing House __ --------- Certificates of Deposit for 
 
Other Checks and Cash Items 
 
214 75 Borrowed Money ________ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit, and Acceptances ________ _ 
 
ances _- _--- _--- _--------- --------- Reserve for Interest and Taxes 
 
OOtvheerrdraAfstsset(sif _a_n_y_)_ ------_------ -_-- -_---__-_-_--- -_-_ Other Liabilities ----------- 
 
Total --------------------$152,917 35 Total---------------------$152,917 35 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______ --- _-- __ -$ Demand Loans ____________ _ 
 
89,596 3,737 
 
77 45 
 
Capital Stock Paid In------$ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 10,597 6~ Surplus Fund -------------- 3,000 00 
 
United States Bonds -------Other Stocks and Bonds ____ _ 
 
Undivided Profits----------- 10,8i9 27 Dividends Unpaid ______ - __ _ 
 
Banking House ___ --- _----- 1,470 00 Due to Banks in this State __ Furniture and Fixtures ____ _ 1,401 18 Due to Banks in other States 
 
Other Real Estate Owned __ -_ 
 
Call Money _--- _-- __ ------- 
 
Due from Banks in this State 9,519 63 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ _-_ -_ -_ -_ _- _- _- _- _- _- _- _-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ 
 
954 10 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 1,684 00 Time Certificates of Deposit_ 
47 50 Savings Deposits ----------360 12 Trust Funds on Deposit_ ___ _ 
 
30,656 22 18,127 67 
 
Advances on Cotton __ -- __ -Advances on other Commodi- 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se-_--- 
 
506 99 CCaersthifiieerd's CChheecckkss -_-_-_-_-_-_-__-_-_--_ 
 
432 25 
 
Bills Payable _____________ _ 45,000 00 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
Ovaenrcdersaft-s--(-i-f--a-n-y-)---_-_-_-__-_-_-_- _ 
 
and Acceptances _-- __ - __ _ Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities - __ --- _-- __ 
 
Profit and LOSS------------- 3,159 99 
 
Total---------------------$123,035 41 Total _____________________ $123,035 41 
 
 90 
 
BANKING DEPARTMEN'l' 
 
Eli:AllllllltEB'S B.EPOB.T. 
 
BRUNSWICK BANK AND TRUST COMPANY, BRUNSWICK. 
 
At Close of Business October 26, 1920. 
 
President-F. D. Aiken. Vice-P.resident--<L. H. Hayne. Cashier-C. Z. Walker. 
 
Directors-N. Emanuel, M. J'. Welch, C. A. Taylor, J'. P. Davenport, J'. J'. Lessimer, 
 
Date of Charter-1889. 
 
N. J. MacPherson. 
 
Began Business-1889. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$711,147 38 Capital Stock Paid In_--- ___ $150,000 00 
 
Demand Loans ------------- 136,728 83 Amt. Reserved for Branches - ___ ----- 
 
Loans Secured by Real Estate 7,651 38 Surplus Fund -------------- 100,000 00 
 
United States Bonds ________ 379,163 26 Undivided Profits ----------- 24,656 75 
 
Other Stocks and Bonds _____ 144,184 88 Dividends Unpaid ---------- 
 
272 50 
 
Banking House ------------- 21,500 00 Due to Banks in this State __ 43,180 18 
 
Furniture and Fixtures_____ 4,426 82 Due to Banks in other States 2,368 85 
 
Other Real Estate Owned____ Due from Banks in this and 
 
3,085 13 FeCdreerdailtRe_s_e_r_v_e__B_a_n_k__D__e_f_en- s__e 
 
9,615 97 
 
other States ------------- 36,074 27 Individual Deposits Subject to 
 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton_________ 
 
29,574 oo 2,085 85 4,414 42 
________ _ 
 
DeCmhaenckd Ce-r-t-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t Time Certificates of DeposiL Savings Deposits ______ - ___ _ 
 
473,121 12,092 
110,942 
172,047 
 
42 24 59 
01 
 
Advances on other Commodi- 
 
Trust Funds on Deposit_-_-- - __ ------ 
 
ties _-- _- - - - -- - - - - - - - - - - Checks for Clearing House-_ Other Checks and Cash Items 
 
-- - - -- - - 2,120 80 1,660 00 
 
Cashier's Checks - ___ --- ___ _ 7,016 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
677 385,000 
 
40 
62 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 91,027 75 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
COuvarenrrcedenrstaf-Cts-h-e(-ic-fk-sa-n--y_--)-_-_- -_--_--_--_-_--_--_----_ 
 
15,000 00 Borrowed Money --------- 15,000 00 
 
3,327 05 7 67 
 
Liability on Letters of Credit, and Acceptances _________ 
 
________ _ 
 
TOrtahnersiAt sAsectcso:unt __________ _ 
 
Reserve for Interest and 863 39 Taxes -------------------- 7,246 61 
 
Other Liabilities ----------- 14,728 79 
 
Total -------------------$1,618,994 68 Total -------------------$1,618,994 68 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$658,747 91 Capital Stock Paid In _______ $150,000 00 
 
Demand Loans ------------- 166,940 35 Amt. Reserved for Branches --------Loans Secured by Real Estate 13,365 00 Surplus Fund -------------- 100.000 00 United States Bonds ________ 379,400 00 Undivided Profits ----------- 33,471 45 
 
Other Stocks and Bonds_____ 144,934 88 Dividends Unpaid ---------- --------Banking House------------- 21,500 00 Due. to Banks in this State __ 47,085 0~ 
 
Furniture and Fixtures_____ 5,321 82 Due to Banks in other States 6,509 66 
 
Other Real Estate Owned____ 3,196 13 Call Money ---------------- --------- 
 
Due from Banks in this State 186,853 83 Individual Deposits Subject to 
 
Due from . Banks in other 
 
Check --- ___ --- __ -- _- ___ _ 533,800 45 
 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
7293,,777515 3080 
 
DTiemmeanCdeCrteirftiicfaicteasteos fofDDeeppoossiti-t 
 
10,995 113,581 
 
60 40 
 
Gold ----------------------- 2,065 85 Savings Deposits ----------- 178,609 45 Silver, Nickels, Pennies_____ 4,529 16 Trust Funds on Deposit_ ____ --------- 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 8,356 06 
 
Adtiveasnce_s__o_n__o_t_h_e_r__C_o_m_ _m__o_d_i_- 
 
_________ 
 
CBei lrltsi f i Pe da yCa bh el ec k s_ - -_-______- -- -- -______- -- 
 
1,617 410,000 
 
47 00 
 
Checks for Clearing House__ 3.847 32 Notes and Bills Rediscounted 105,675 42 
 
Other Checks and Cash Items 6,843 91 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money _---- _--- --------Liability on Letters of Credit, 
 
ances -------------------- 15,000 00 and Acceptances ---------- 15,000 00 
 
Overdrafts (if any) -------- 
 
1 08 Reserve for Interest and Taxes 1,390 72 
 
Other Assets: 
 
Other Liabilities ___________ - ____ -- __ 
 
Revenue Stamps ------------ 
 
19 15 
 
Total -------------------$1,716,092 77 Total -------------------$1 1716,092 77 
 
 FIRST ANNUAL REPORT 
 
91 
 
EXAMilfEB'S BEPOBT. 
GLYNN COUNTY BANK, BRUNSWICK. 
At Close of Business October 25, 1920. President-E. L. Stephens. Vice-P>resident-H. F. deo Btgnen. 
Cashier-R. H. Strain. Dlrectors-J. J. Vickers, C. F. Browne, T. N. Scarlette, Jr., R. L. Phillips. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$513,880 21 Capital Stock Paid In .. $100,000 00 Demand Loans _____________ 117,847 44 Amt. Reserved for Branches  _ ____ _ 
 
Loans Secured by Real Estate 28,787 00 United States Bonds. ______ ._ 178,114 00 
 
US unrdpi vl ui dse dF uPnrdo f i-t-s- -_-_-__-_- - -_-_-_-_-_ 
 
2206,,060104 0101 
 
Other Stocks and Bonds.___ 3,600 00 Dividends Unpaid ---------- 
 
8 00 
 
Banking House ------------- 31,265 60 Due to Banks in this State.. 4,791 83 Furniture and Fixtures______ 7,360 10 Due to Banks In other States ---. _---- 
 
Other Real Estate Owned ____ --------- Call Money----------------- 37,000 00 
 
Due from Banks in this and 
 
Individual Deposits Subject to 
 
other States -------------GCoulrdr e n_c_y_ _ _ -_ -_ -_ -_-_ -_-_-_-_-_-_-__- -_-_-_-_-_ 
 
49,487 61 _1_9_,7__0_9__00_ 
 
DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit. 
 
288,605 39 15,130 34 72,919 80 
 
Silver, Nickels, Pennies_____ 4,560 76 Savings Deposits  ____  ___ _ 182,402 46 
 
Advances on Cotton _________ 
Advances on other Commodities __ - ___ ---- __ --------- 
Checks for Clearing House.. Other Checks and Cash Items 
 
--------- 
--------8,947 70 7,929 40 
 
Trust Funds on Deposit.-.-_ --------. 
 
Cashier's Checks ----------- 1,252 21 
 
Certified Checks ------------ 
 
285 21 
 
Bills Payable -------------- 185,000 00 
 
Notes and Bills Rediscounted 15,090 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money  _--  __  _. __  __ 
 
ances - ____ ---- __ ----- ---- - _- --- __ Overdrafts (if any) --------- 
 
LiaanbdilitAycocnepLtaentcteerss _o_f_C_r_e_d_i_t_, 
 
________ _ 
 
Other Assets --------------- 3,935 73 Reserve for Interest and Taxes --- __ ---- 
 
Other Liabilities ----------- 26,522 50 
 
Total---------------------$975,622 55 Total . ------------------$975,622 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$528,469 94 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 90,214 95 Amt. Reserved for Branches _.. _... _. 
 
Loans Secured by Real Estate 49,008 17 Surplus Fund -------------- 20,000 00 
 
United States Bonds.-_. __ -- 175,644 00 Undivided Profits ----------- 27,202 17 
 
Other Stocks and Bonds. __ -_ 3,600 00 bividends Unpaid .. _-..... 
 
8 00 
 
Banking House ------------- 31,265 60 Due to Banks in this State.. 21,647 27 
 
Furniture and Fixtures_____ 7,360 00 Due to Banks in other States 5,305 04 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 12,500 00 
 
Due from Banks In this State 30,484 03 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
21,660 
 
68 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
220,016 56 16,570 34 
 
CG oulrdr e n_c_y_ _ _-_ -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
_1_6_,8_9_2___00_ 
 
Time Certificates Savings Deposits 
 
of Deposit. ----------- 
 
73,636 54 178,900 52 
 
Silver, Nickels, Pennies. __ -- 3,639 78 Trust Funds on Deposit. ... --------Advances on Cotton_________ _____ .. _. Cashier's Checks ... - .. -. _ 6,670 32 
 
Advances on other Commodi- 
 
Certified Checks .... - . _ 
 
156 75 
 
ties ... __ ...... -.-----.-- -.------- Bills Payable .. _.. _.. __ .... 167,500 00 
 
Checks for Clearing House.. 2,275 41 Notes and Bills Rediscounted 117,097 18 
 
Other Checks and Cash Items 2,488 43 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ .. - ... _ .. __ -. __ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _____ --- _----------- 
 
and Acceptances _... _.. _ _______ . _ 
 
Overdrafts (if any) ____ ... _ 
 
330 35 Reserve for Interest and Taxes . _.- . 
 
Other Assets: 
 
Other Liabilities .... _.... _..... __ 
 
Depositors' Guarantee Fund. 3,8fi7 35 
 
Revenue Stamps ----------- 
 
20 00 
 
Total ....... --------------$967,210 69 
 
Total _____________________ $967,210 69 
 
 r"' 
I 
I 
 
92 
 
BANKING DEPARTMENT 
 
EXAJII[Ilii'EB.'S B.EPOB.'r. 
 
FARMERS & CITIZENS BANK, BUCHANAN. 
 
At Close of Business December 13, 1920. 
 
President-W. C. Moore. Vice-President-W. J. Speight. 
 
Cashier-W. S. McClellan. 
 
Directors-G. B. ,Richards, J. R. Brown, G. N. Moore, A. C. Waldrup, M. Bullard. 
 
Date of Charter-August 8, 1911. 
 
Began Business--"September, 1911. 
 
,RESOURCES 
 
LIABILITIES 
 
Time Loans _____ -- __ --- ___ -$ 83,806 60 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
1,535 53 9,060 00 4,500 00 
2,345 87 2,689 25 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------Dividends Unpaid _-- ______ Due from Banks in this and C aol lt hMe ro nSetya t e_s_ _ _-_-_-_-_- -- -- -_-_-__-_- -_ 
 
Due from Banks in this and 
 
Individual Deposits Subject to 
 
other States -------------TAodtvaalnCc eass ho n- -C- -o-t t-o-n- -_-__- -- -_-_-__- -_ 
 
3,853 3,115 
 
90 25 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
45,512 88 
 
Time Certificates of Deposit- 19,716 42 
 
Advances on other Commodi- 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se--__Other Checks and Cash Items Customers' Liability on Let- 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks _--- ___ - _-- 
 
225 
 
38 
 
Certified Checks ___ - ______ _ Bills Payable _____________ _ 
 
128 02 23,500 00 
 
ters of Credit and Accept- 
 
Notes and Bills Rediscounted 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -_-_-_ _- _-_-_- -_ Other Assets _____________ _ 
 
Certificates of Deposit for 514 51 Borrowed Money --------- 
Liability on Letters of Credit, and Acceptances ________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities----------- 
 
TotaL--------------------$111,646 29 TotaL ___________________ -$111,646 29 
 
BANK'S STATEMEJNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIEJS 
 
Time Loans _-- ____________ -$ Demand Loans ____________ _ 
 
81,759 1,635 
 
27 53 
 
Capital Stock Paid In. ______ $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
10,128 00 Surplus Fund -------------4,500 00 UDnivdiidveinddeds UPrnopfaiitds -_-_-__-_-_-_-_-_--_ 2,345 87 Due to Banks in this State __ 2,689 25 CDaulel tMo oBneaynks--i_n__o_t_h_e-r__S_t_a_t_es_ 
 
7, 723 28 
 
Due from Banks in this State 2,887 38 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------TAodtvaaln cCeass ho n- -C- -o-t t-o-n- -_-_-_-_ _-_-_-_- -_ Advances on other Commodi- 
 
2,199 10 DeCmhaenckd C-e-r-t-if-i-c"a-te-s--o-f-D--e-p-o-s-i-t 3, 776 67 Time Certificates of Deposit- 
Savings Deposits ----------Trust Fund on Deposit _____ _ 
 
46,578 50 19,666 42 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_--_ 
 
144 30 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
161 20 Bills Payable -------------- 23,500 00 Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
OOtvahenercrdersaAfs-tss-e-(t-si-f-a-_n-_-y__-)_-_-___-_--_--_-__--_--_----_ 
 
Borrowed Money --------530 23 Liability on Letters of Credit, 
and Acceptances ________ _ 
 
Reser.ve for Interest and Taxes 
 
Other Liabilities----------- 
 
TotaL--------------------$U2,612 50 Total---------------------$112,612 50 
 
 FIRST ANNUAL REPORT 
 
93 
 
EXAMilii'EB'S BEPOBT. 
 
HARALSON COUNTY BANK, BUCHANAN. 
 
At Close of Business June 19, 1920. 
 
President-J. L. Eaves. Vice-President-L. N. StriDkland. 
 
Cashier-H. G. Richardson. 
 
Directors--.J. L. Eaves, L. N. Strickland, W. 0. Strickland, R. H. Parker, R. F. Williams, E. S. Griffith, N. Matthews. 
 
Date of Charter-MaTch 3, 1909. 
 
Began Business-March 3, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$117,359 60 Capital Stock Paid In ______ .$ 15,000 00 
 
Demand Loans ------------- 4,745 06 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund -------------United States Bonds_-_______ 4,000 00 Undivided Profits ___ - __ -- _Other Stocks and Bonds.____ ________ _ Dividends Unpaid ---------- 
 
20,267 00 
 
Banking House ------------Furniture and Fixtures_____ 
 
2,034 2,700 
 
o0o0 
 
Due to Banks in this State_Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money _____ - ___ -- _- __ - 
 
Due from Banks in this State 3,909 78 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_ -_ -_ -_ _- _- _- _- _- -_ Silver, Nickels, Pennies. ___ _ Advances on Cotton_________ 
 
8,849 04 1,035 00 
252 50 638 66 ________ _ 
 
DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t Time Certificates of Deposit. CSaavshiniegrs'sDCephoecsiktss -_-_-_-__-_-_-_-_-_--- 
Certified Checks -- __ ------- 
 
58,525 52 44,970 15 
305 68 
 
Adtiveasnce_s__o_n__o_t_h_e_r__C_ o--m_m- _o_d_i-_ 
 
_______ - _ 
 
Bills Payable--------------Notes and Bills Rediscounted 
 
10,000 00 
 
Checks for Clearing House __ 
 
938 00 Certificates of Deposit for 
 
Other Checks and Cash Items 1,007 04 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
atenrcsesof__C_ r_e_d_i_t__a_n_d__A_ _c_c_e_p_t_Overdrafts (if any) ___ , ___ _ 
 
________ _ 
 
and Acceptances __ -- _-- _Reserve for Interest and Taxes 
 
268 58 Other Liabilities _______ - __ - 
 
623 63 
 
Other Assets: 
 
County Warrants ----------- !,954 72 
 
Total---------------------$149,691 98 TotaL __________________ . $149,691 98 
 
BANK'S STATEMENT at Close of Business December 15. 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 99,723 03 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ________ _ 
 
6,543 06 Amt. Reserved for Branches Surplus Fund ___ - __ -- __ - __ - 3,000 00 
4,000 00 Undivided Profits ----------- 15,797 14 
 
Other Stocks and Bonds ____ _ Banking House ____________ _ 
 
Dividends Unpaid - _-------2,034 00 Due to Banks in this State_- 
 
Furniture and Fixtures. ___ _ 2,700 00 Due to Banks in other States 
 
Other Real Estate Owned. __ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 4,386 43 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_ -_ -_ -_ _- _- _- _- _- -_ 
 
5,112 44 DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 3,979 00 Time Certificates of Deposit. 
240 00 Savings Deposits ----------- 
 
30,912 86 27,676 66 
 
Silver, Nickels, Pennies. ___ _ 
 
719 89 Trust Fund on Deposit ------ 
 
Advances on Cotton ________ _ Advances on other CommodiChteiecsks -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-._- 
 
CCearsthifiieerd's CChheecckkss -__-_-_-_-_-_--- -__--- 
 
280 63 
 
Bills Payable _____________ _ 38,000 00 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,003 41 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _- ___ - __ - 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_ -_ _-_-_- -_ Other Assets ______________ _ 
 
and Acceptances __ - __ -- _- 
226 03 Reserve for Interest and Taxes Other Liabilities - __ --- _---- 
 
Total ____________________ $130,667 29 
 
Total ____________________ $130,667 29 
 
 94 
 
BANKING DEPARTMENT 
 
EXAMDI'EB.'S B.EPOB.T. 
 
BANK OF BUCKHEAD, BUCKHEAD. 
 
At Close of Business July 8, 1920. 
 
President-J. Hulme Morgan. Vice-President~R. M. Pirkle. 
 
Cashier-S. R. Paschal. 
 
Directors-J. Hulme Morgan, R. N. Pirkle, R. H. Paschal, W. B. McRee, A. E. 
 
McWhorter, M. J. Moorhead, Geo. W. Davis, R. C. McWhorteT, R. R. Treadwell. 
 
Date of Charter-July 9, 1906. 
 
Began Business-September 3, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ -$ Demand Loans ____________ _ 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ____ _ Banking House _____________ _ Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------GCoulrdren__cy-- __------__-_-_----------_---- -------_Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ 
Advances on other Commodi- 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f -t s- -(-i-f- -a-n-y-)- - -_-_-_ -_ _-_-_- -_ 
Other Assets --------------- 
 
75,576 89 3,467 06 5,546 00 150 00 
1,531 17 2,751 24 
14,803 53 
1,743 86 1,921 00 
20 00 3,053 09 
 
Capital Stock Paid In _______ $ ASumrtp.luRs esFeurvnedd _f_o_r__B__r_a_n_c_h_e_s_ Undivided Profits __________ _ 
Dividends Unpaid ---------Due to Banks in this State __ CDaulel tMo oBneaynks__i_n_ -o_t_h_e_r__S_t_a_t_es_ 
Individual Deposits Subject to 
DeCmhaencdk Ce-r-t-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t Time Certificates of DepositSavings Deposits ----------Trust Fund on Deposit _____ _ Cashier's Checks _____ - ____ _ Certified Checks __________ _ 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit, 
and Acceptances ________ _ ROethseerrveLfiaobr iIlnittieerses_t_a_n_d__T_a__x_es_ 
 
25,000 00 8,000 00 3, 756 13 276 00 
52,496 75 
1,434 76 20,000 00 
 
Total---------------------$110,963 64 TotaL ____________________ $110,963 64 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 61,087 89 
Demand Loans ------------- 3, 767 06 
 
Loans Secured by Real Estate 6,036 67 
 
United States Bonds _______ _ 
 
150 00 
 
Other Stocks and Bonds ____ _ --------- 
 
Banking House ___ ----_-----_ 1,531 17 
 
Furniture and Fixtures _____ _ 2, 751 24 
 
Other Real Estate Owned ___ _ --------- 
 
Due from Banks in this State 8,900 08 
 
Due from Banks in other 
 
States ------------------CG uo lrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
829 38 1,527 00 
50 00 
 
Silver, Nickels, Pennies __ --_ 1,915 45 
 
Advances on Cotton --------- 
 
630 28 
 
Advances on other Commodi- 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se--__- 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
149 80 
 
O 
 
vaenrcdersa 
 
f 
 
t-s- 
 
---- 
(If 
 
-a-n-y-)- 
 
- 
 
-- 
 
-__- 
 
-- 
 
-- ---- -_ 
 
Other Assets _- _____ - __ ---- _ 
 
Capital Stock Paid In _______ $ 25,000 00 
 
Amt. Reserved for Branches Surplus Fund _____________ _ Undivided Profits __________ _ 
 
8, ooo oe 
3,155 43 
 
Dividends Unpaid _________ _ 
 
Due to Banks in this State __ CDaulel tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Individual Deposits Subject to 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------Trust Fund on Deposit _____ _ 
 
3,2058 59 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_--_ 
Bills Payable __ - ____ --- __ --- 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ___ - ____ - 
 
112. 00 21,000 00 
 
Liability on Letters of Credit, and Acceptances ___ - ____ - 
Reserve for Interest and Taxes Other Liabilities ____ ------- 
 
TotaL--------------------$ 89,326 oz TotaL ____________________ $ 89,326 02 
 
 FIRST ANNUAL REPORT 
 
EXAMINEB'S BEPOBT. 
 
BUENA VISTA LOAN & SAVINGS BANK, BUENA VISTA. 
 
At Close of Business August 5, 1920. 
 
Presldent-Wm. C. Wooten. Vice-President-Chas. W. Lowe. Cashier-E. B. Reese. 
 
Directors-V\'m. C. Wooten, Chas. W. Lowe, J. E. Lowe, Jno. R. Thart, W. W. 
 
Murkey, J. L. Rogers, A. C. Duncan. 
 
Date of Charter-iSeptember 22, 1887. 
 
Began Business-September, 1889. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$190,457 82 Capital Stock Paid In-------$ 30,000 00 Demand Loans -- ___ -- _- ____ 43,299 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 35,000 00 Surplus Fund -------------- 40,000 00 
 
OUnthiteerdSStotcaktessanBdonBdosn-d-s--_-_-_-_-_ _--_-_-_-_-_-_-_-_ DUinvdiidveinddesd UPnropfaiitds _-_-_-_-_-_-_-_-_-_--_ 
 
9,567 55 109 50 
 
Banking House ------------- 4,000 00 Due to Banks in this State __ Furniture and Fixtures______ 1,961 00 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
943 04 Call Money----------------- 
 
Due from Banks in this State 12,612 93 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check _------------- __ - __ 95,596 82 
 
States ------------------- 19,523 98 Demand Certificates of Deposit Currency ------------------ 4,516 00 Time Certificates of DeposiL 109,502 58 
 
Gold ----------------------- 1,017 50 Savings Deposits ----------Silver, Nickels, Pennies-____ 2,008 07 Cashier's Checks ---------- _ Advances on Cotton _________ ---------Certified Checks ----------- 
 
115 54 
 
Advances on other Commodi- 
 
Bills Payable _-- _--- _--- _-- _ 35,000 00 
 
ties _------- _-- _- ________ _________ Notes and Bills Rediscounted 
 
Checks for Clearing House__ 1,271 81 Certificates of Deposit for 
 
Other Checks and Cash Items 3,280 84 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances ________ _ 
 
ances ____________________ ____ _____ Reserve for Interest and Taxes 
 
OOvtheerrdrAafstsset(sif__a_n_y_)___-_-__---______- __-_______-_-_____ Other Liabilities --- _------- 
 
Total _____________________ $319,891 99 Total---------------------$319,891 99 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$194,038 62 Capital Stock Paid In ____ - __ $ 30,000 00 
 
Demand Loans ------------- 60.991 33 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------- 
 
32,396 6o --------- 
 
SUunrdpilvuids edFuPnrdofi-t-s--_-__-_----- -_-_---_-_ 
 
40,000 00 6,847 44 
 
Other Stocks and Bonds----- --------- Dividends Unpaid----------- 
 
109 50 
 
Banking House ------------- 4,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures______ 1,961 00 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
943 04 Call Money ---------------- 
 
Due from Banks in this State 27,074 31 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CG oulrdr e n_c_y_ _ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
 
9,352 70 DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 7,344 00 Time Certificates of DeposiL 
850 00 Savings Deposits ----------- 
 
97,377 40 96,241} 09 
 
Silver, Nickels, Pennies ____ _ 1,717 13 Trust Fund on Deposit -- _--- 
 
Advances on Cotton -- _-- __ Advances on other Commodi- 
ties __ -- _-- _-- __ --------- 
 
8,031 
 
62 
 
Cashier's Checks Certified Checks 
 
- ___ -- __ -- _ ____ - _____ _ 
 
--------- Bills Payable _____________ _ 
 
],584 18 70,000 00 
 
Checks for Clearin,e; House __ 
 
835 65 Notes and Bills Rediscounted 8,000 00 
 
Other Checks and Cash Items 
 
622 56 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
atenrcsesof__C_r_e_d__it__a_n_d--A- _c-c-e_p_t-- 
 
Liability on Letters of Credit, _-- _____ _ and Acceptances---------- 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets ______ --------- _-- __ -- __ Other Liabilities --- _------- 
 
Total---------------------$350,158 61 Total---------------------$350,158 61 
 
 96 
 
BANKING DEPARTMEN'.r 
 
EXAMDII'EB'S BEPOBT. 
 
BANK OF BUFORD, BUFORD. 
 
At Close of Business September 25, 1920. 
 
President--IL. P. Patillo. Vice-President-Edward Flor. Cashier-Carl Perry. 
 
Director~L. P. Patillo, Edw. Flor, Carl Perry, T. A. Smith, E. w . . Vance, 
 
W. D. Wilson, Bliss Woodrurd. 
 
Date of Charter-1893. 
 
Began Business-February, 1893. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$275,663 28 Capital Stock Paid In ...... $ 25,000 00 
 
Demand Loans ------------- 12,397 97 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 16,000 00 Surplus Fund ------------- 
 
United States Bonds -------- 35,850 00 Undivided Profits .......... . 61,358 88 
 
Other Stocks and Bonds .... 27,600 00 Dividends Unpaid ---------- 
 
6 00 
 
Banking House ------------- 1,251 22 Due to Banks in this State.. 
 
Furniture and Fixtures ... _ 2, 308 2 4 Due to Banks in other States 
 
Other Real Estate Owned.... 2,695 41 Call Money ................ . 
 
Due from Banks in this State 13,095 72 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuo lrdr e n.c.y. . .-.-.-.-.-.-.-- -. -. -. .- -_-.-. -_-.-.-. 
 
8,142 35 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t 171,447 51 3,297 00 Time Certificates of Deposits 71,377 89 3,948 15 Savings Deposits ........ __ . 14,602 13 
 
Silver, Nickels, Pennies._._. 
 
651 15 Trust Funds on Deposit ... 
 
Advances on Cotton .. __ .... .. ______ . Cashier's Checks .......... . 
 
Advances on other Commodi- 
 
Certified Checks ........... 
 
692 00 
 
ties .... ----------------- --------- Bills Payable ...... __ ..... 60,000 00 
 
Checks for Clearing House._ 1,959 41 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 11,900 04 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ........ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _________ ---- __ ----- --------- and Acceptances ---------Overdrafts-Of any) . . .  . . . . .... _.. Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ...... 11,059 00 
 
Transit . __ ........... ---- .. 
 
52 50 Cash Long  __ ............. . 
 
200 45 
 
Bank of Duluth .......... .. 2,879 57 
 
Total --------------------$415,743 86 Total .................... $415, 743 86 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$237,490 35 Capital Stock Paid In ...... $ 25,000 00 Demand Loans .. .. .. .. .. .. . 8,937 09 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 21,283 90 Bank of Suwanee ........ .. 15,000 00 United States Bonds ______ 37.000 00 Surplus Fund ........... ~ .. 
 
Other Stocks and Bonds ---- 27,600 00 Undivided Profits ........ .. 60,699 64 
 
Banking House ------------- 1,251 22 Dividends Unpllid ...... Furniture and Fixtures . . . . 2,308 24 Due to Banks in this State 13,842 67 
 
Other Real Estate Owned.... 2,695 41 Due to Banks in other States Due from Banks in this State 2,133 95 Call Money . . . . __ .. __ . . ____  
 
Due from Banks in  other 
 
Individual Deposits Subject to 
 
States ------------------CGuorldren.c.y. _-__-_-_-_--.-.-.-.-.-.-.-.-.-.-.-.-.-. 
Silver, Nickels, Pennies __ .. Advances on Cotton .. __ .... 
 
11,208 64 ..4.,3. 8__0 .0. 0. 
661 08 
 
DeCmhaencdk C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-TipmoesitCe-r-t-if-i-c-a-te-s--o--f -D--e-p-o-s-i-t-. 
 
__ .. ____ . Savings Deposits .. __ .. __ .. 
 
90,856 83 
61,737 83 14,733 62 
 
Advances on other Commodi- 
 
Trust Funds on Deposit .. .. 
 
ties .. .. .. .. .. .. . .. .. .. .. .. . __ .... Cashier's Checks . .. ...... .. 
 
205 81 
 
Checks for Clearing House.. 5.250 48 Certified Checks .. __ .. __ .. . 
 
Other Checks and Cash Items 2,376 04 Bills Payable ............ .. 82,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
Certificates of Deposit for Borrowed Money ........ 
 
Overdrafts (if any) .. .. .. .. .. ...... . Liability on Letters of Credit, 
 
Other Assets .. .. .. .. .. .. .. . .. ...... . and Acceptances ......... 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$364,576 40 Total ....................$364,576 40 
 
 FIRST ANNUAL REPORT 
 
97 
 
EXAMilllEB.'S B.EPOB.T. 
 
SHADBURN BANKING COMPANY, BUFORD. 
 
At Close of Business September 29, 1920. 
 
President-W. B. Shadburn. Vice-President-J. L. Shadburn. 
 
Cashier-T. C. Shadbut>n. 
 
Directors-W. B. Shadburn, J. L. Shadburn, L. T. Sudderth, V. H. Ahlen, T. J. Pirkle. 
 
Date of Charter-February 1, 1900. 
 
Began Business-1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------l 80,184 71 Capital Stock Paid In ------$ 40,000 00 
 
Demand Loans ------------ 23,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 18,000 00 Surplus Fund -------------- 
 
United States Bonds ------ 25,994 00 Undivided Profits----------- 
 
Other Stocks and Bonds____ _________ Dividends Unpaid -- ___ ------ 
 
Banking House _____________ 
 
Due to Banks in this State_- 
 
15,000 00 5,934 42 8 00 
 
Furniture and Fixtures______ 2,768 20 Due to Banks in other 
 
Other Real Estate Owned____ 3,065 25 States ------------------- 3,74~ 94 Due from Banks in this State 8,269 51 Call Money - ~-------------DuSetatfersom___B__a_n_k_s___in___o__th_e__r ___ __ ____ IndCihveicdkua_l _D__e_p_o_s_i_ts__S_u_b_j_e_c_t_ t-o- 122,406 48 
 
Currency ------------------- 6,709 00 Demand Certificates of De- 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
20 00 posit --------------------997 37 Time Certificates of Deposit 92,352 95 
 
Advances on Cotton _________ --------- Savings Deposits ----------- 4,271 72 
 
A dt iveasn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i _- 
 
_________ 
 
CTraushstierF'sunCdhs eockns D_e_p_o_s_i_t -_-------- 
 
--------389 75 
 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
682 41 Certified Checks -----------1,222 42 Bills Payable -------------- 25,000 00 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances -------------------- 20,492 16 and Acceptances---------- 
 
Overdrafts-(if any) -------- --------- Reserve for Interest and Depreciation ---------------- 
Other Liabilities: 
 
853 64 
 
Current Deposits ----------- 1,933 29 
 
Total --------------------$311,897 19 Total --------------------$311,897 19 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$194,413 26 Capital Stock Paid In _______ $ 40,000 00 
 
Demand Loans ------------- 14,340 00 Amt. Reserved for Branches Loans Secured by Real Estate 23,285 80 Surplus Fund ___ - _____ ---- 15,000 00 
 
United States Bonds _- _-- ___ 25,994 00 Undivided Profits _______ --- 5,095 22 
 
Other Stocks and Bonds ____ ________ _ Dividends Unpaid _________ _ Banking House ____________ ________ _ Due to Banks in this State __ 
 
8 00 
 
Furniture and Fixtures ----Other Real Estate Owned____ 
 
2,768 3,065 
 
20 25 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 27,587 08 Individual Deposits Subject to 
 
Due from Banks in other States -------------------- 
 
19 69 DeCmhaenckd C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 120,994 43 
 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies_____ 
 
7,691 00 20 00 
1,102 10 
 
T ipmoes i tCs e r t-i-f i-c-a-t-e-s- -o-f- -D- -e-p-o-s-i-t Savings Deposits __________ _ 
 
Advances on Cotton _______ _________ _ Trust Funds on Deposit----- 
 
Advances on other Commodi- 
 
Cashier's Checks _______ --- 
 
Chteiecsks 
 
_f_o_r 
 
- 
 
- -- -- - -- 
Clearin~ 
 
- 
 
H- -o-u-s-e-_-_- 
 
_- _- _- _-_-_-_-_- .- 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
78,217 48 4,199 14 1,360 00 
35,000 00 
 
Other Checks and Cash Items 
 
430 96 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
CeBrtoirfricoawteesd MofoneDyep_o_s_i_t___f_or_ 
 
O va necr edsr a -f t-s---(-i-f- -a-n-y-)- - -_-_-_-__-_- -_ OOvtheerrdraAfstsset_s_: ______________ _ 
 
Liability on Letters of Credit, and Acceptances ---------- 
Reserve for Interest and Taxes 10 57 Other Liabilities: 
 
,Reserved for Depreciation __ 
 
853 64 
 
--- 
 
Total --------------------$300,727 91 Total --------------------$300,727 91 
 
 r 
! 
 
98 
 
BANKING DEPARTMENT 
 
E:X:AMDI'EB.'S B.EPOB.T. 
 
BANK OF BULLOOHVILLE, BULLOOHVILLE. 
 
At Close of Business July 21, 1920. 
 
President-A. C. Dunn. Vice-President-H. E. Bulloch. Cashier-E. H. Boyd. 
 
Di,rectors-A. C. Dunn, H. E. Bulloch, W. B. Butts, H. B. Leverett, E. A. Wil- 
 
liams, J. M. Barnes, W. H. Routon. 
 
Date of Charter-August 28, 1905. 
 
Beg1an Business-October 21, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$113,797 76 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------ 14,135 36 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds-------- 
 
--------99 23 
 
SUunrdpilvuids edFuPnrdof-it-s---_-_-_-_-__-_-_-_--_ 
 
5,109 35 6,001 69 
 
Other Stocks and Bonds ---- --------- Dividends Unpaid----------Banking House ----------- 1,800 00 Due to Banks in this State 
 
Furniture and Fixtures ____ ' 1,075 00 Other Real Estate Owned __ --------- 
 
CDaulel toMBonaenyks _i_n__o_t_h_e-r__S_t_a_t_es_ 
 
Due from Banks in this State 1,964 98 Individual Deposits Subject to 
 
Due fjOm Banks in other States ------------------- 
CGuorldren_c_y__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
96 95 DeCmhaenckd -C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 
 
4,549 00 235 00 
 
TipmoesiCt e-r-t-if-i-c-a-te-s--o-f--D--e-p-o-s-i-t-- 
 
48,997 65 15,667 49 
 
Silver, Nickels, Pennies ___ _ 
 
964 56 Savings Deposits ___ --- _- _-- 
 
Advances on Cotton ------- --------- Cashier's Checks ____ -- ____ -- 
 
990 54 941 86 
 
Adtiveasnce_s__o_n__o_t_h_e_r_ _C_o__m_m__o_d_i_Checks for Clearing How;;e_ _ 
 
________ _ ________ _ 
 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted 
 
36,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
822 96 Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances ___ -- ____ ----- _--- __ --------- and Acceptances __ -- _- __ -- 
 
Overdrafts- (if any) __ --- __ 
 
138 61 Reserve for Interest and Taxes 
 
Other Assets --------------Collection Account --- __ ----- 
 
95 31 Other Li<tbilities __ -- ____ -- 1,082 89 16 75 
 
Total --------------------$139,791 47 Total --------------------$139,791 47 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$122,619 52 Capital Stock Paid In ------$ 25,000 00 Demand Loans ------------- 2,112 2"2 Amt. Reserved for Branches Loans Secured by Real Estate _ ____ ____ Surplus Fund ----------- _-- 5,109 35 United States Bonds -------- --------- Undivided Profits ---------- 4,336 01 Other Stocks and Bonds __ _____ ____ Dividends Unpaid __ - _-- _-- 
 
Banking House ------------ 1,800 00 Due to Banks in this State 
 
Furniture andFixtures 
 
2,057 00 Due to Banks in other States 
 
Other Real Estate Owned __ Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies ____ 
Advances on Cotton -------Advances on other Commodi- 
ties _____ - _____ - __________ 
 
--------- Call Money --------------4,538 68 Individual Deposits Subject to 
Check -------------------37 30 Demand Certificates of De2,181 00 posits -------------------10 00 Time Certificates of Deposit-1,132 07 Savings Deposits ---------- 
--------- Trust Funds on Deposit ___ _ Cashier's Checks ----------- 
_________ Certified Checks --- _-------- 
 
28,627 43 
7,088 31 1,437 67 
53 02 
 
Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances ____________________ 
 
_________ 27 82 
_________ 
 
Bills Payable ----- _----- _-- 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _- _____ -Liability on Letters of Credit, 
 
65,000 00 
 
OOtvheerrdArasfstest-s(i_f_a_n_y__) _-__--_-_-__--_-_ _ __1_3__6__1_8 ReasnedrvAe cfocreIpnttaenrecsetsa-n--d-T--a-x-e-s- 
 
Other Liabilities ___ -- _-- _-- 
 
Total --------------------$136,651 79 Total --------------------$136,651 79 
 
 FIRST ANNUAL REPORT 
 
99 
 
EXAM:INEB.'S B.EPOB.T. 
 
CITIZENS BANK, BULLOCHVILLE. 
 
At Close of Business October 19, 1920. 
 
President-J. 0. Butts. Cashier-E. H. Boyd. Directors-H. A. Skelton, H. A. Hadaway, C. S. Phillips, W. I. Nunn, J. 0. 
Butts, Ben Fowler, 0. A. Richee. 
 
Date of Charter-October 12, 1920. 
 
Began Business-October 20, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _____________ --$ Demand Loans ___________ _ 
Loans Secured by Real Estate United States Bonds _____ _ Other Stocks and Bonds __ Banking House _____ - _____ _ Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States -------------------GC oulrdr e n_c_y_ _ -_ -_ -_ _- _- _- _- _- _- _- _- _- _-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ___ _ Advances on Cotton -------Advances on other Commodi- 
Chteiecks s -f-o-r---C-l-e-a-r-i-n-g---H-o--u-s-e Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O va ne cr de sr a f-t-s---(-i-f-a-n- -y-) - -_-__- -- -_-__- -_ Other Assets ____________ -- 
 
Capital Stock Paid In ______ $ 15,000 00 Amt. Reserved for Branches Call Money _____ - ____ - __ -- 
Surplus Fund -------------DUinvdiidveinddesd UPnropfaiitds _-_-_-_-_-_-_-_-_--_ 
Due to Banks in this State 15,000 00 CDaulel toMoBnaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ 
Individual Deposits Subject to 
DeCmhaencdk C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 
TipmoesitCs e-rt-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t Savings Deposits ---------Trust Funds on Deposit ---Cashier's Checks _________ Certified Checks _- __ ------Bills Payable ____ - ___ -- _--Notes and Bills Rediscounted Certificates 'Of Deposit for 
Borrowed Money ____ -----and Acceptances ---------Reserve for Interest and Taxes Other Liabilities _-- _------- 
 
Total _: __________________ $ 15,000 00 Total --------------------$ 15,000 00 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -- __ --- ___ -- ____ $ 20,616 02 Capital Stock Paid In ______ $ 15,000 00 Demand Loans __ - - ___ - ____ _ 1,520 50 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _--- ___ Other Stocks and Bonds ___ _ 
 
Surplus Fund -------------Undivided Profits _- _- ___ Dividends Unpaid ______ - ___ _ 
 
Banking House ___ - ____ - ___ _ 
 
Due to Banks in this State 
 
Furniture and Fixtures--_--Other Real Estate Owned __ -- 
 
3,126 84 CDaulel Mfroonmey B_a_n_k_s___i_n___o_t_h_e_r 
 
Due from Banks in this State 2,723 14 Individual Deposits Subject to 
 
Due from Banks in other States -------------------- 
CG uo lrdr e n_c_y_ _ _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies____ _ Advances on Cotton ___ - ___ _ 
 
835 444 
 
o1o8 
 
DeCmhaenckd -C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-posit --------------------- 
 
192 50 Time Certificates of Deposit 
 
43 50 Savings Deposits __________ _ 
 
Trust Funds on Deposit ___ _ 
 
10,268 14 5,235 63 
 
Advances on other Commodities __ - _---- -------------- --------- 
Other Checks and Ca~h Items 
 
CCearsthifiieerd's CChheecckkss -_-__-_-_-_-_-_-_-_--_ Bills Payable ______________ _ 
 
65 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
Ovanecredsra-f-ts--- (-i-f- -an-y-)- - -_-----__-_- -- 
 
_---- __ -63 
 
Borrowed Money _________ _ Liability on Letters of Credit, 
 
Other Assets: Expense, Interest and Taxes 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Paid _____ -- ___ ----------- 1,643 85 Other Liabilities: 
 
Interest and Discount _- ___ - 
 
584 43 
 
Total --------------------$ 31,153 20 Total --------------------$ 31,153 20 
 
 100 
 
BANKING DEPARTMENT 
 
EX:Al!IIINEB/S BEPOBT. 
BUTLER BANKING COMPANY, BUTLER. 
At Close of Business July 7, 1920. 
President-G. C. Smith. Vice-Piresident-J. T'. Hart. Cashier-w. J. Riley. Directors-G. C. Smith, J. T. Hart, F. R. Purvis, M. T. Gaulting, J. T. Mathews, 
R. A .Hinton, J. W. Edwards. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$107,335 67 Capital Stock Paid In _______ $ 15,000 00 Demand Loans ------------- 12,606 65 Am t. Reserved for Branches ___ - _- __ - 
 
Loans Secured by Real Estate 11,886 47 Surplus Fund __ ------- _--- 8,000 00 
 
United States Bonds ------ 5,000 00 Undivided Profits ____ --- __ - 3,202 62 
 
Other Stocks and Bonds ___ _ Banking House ------------- 
 
-3~iiiiii-iio 
 
Dividends Unpaid Due to Banks in 
 
____ ---- _this State 
 
------- _. --------- 
 
Furniture and Fixtures ____ 3,644 64 Due from Banks in other 
 
Other Real Estate Owned __ Due from Banks in this State 
 
--------2,366 23 
 
CaSlltaMteosne-y- ____-_-_-_-_--------_-_-__-_-_-_--- - __-_-_-_-_-_-_--_ 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States ------------------Currency ------------------GSiollvder,---N--ic-k-e-l-s-, --P--e-n-n-i-e-s-_-__--_ Advances on Cotton ________ _ 
 
515 14 
 
4,927 00 
 
120 00 
 
2,043 15,7 44 
 
89 88 
 
Check -------------------Demand Certificates of De- 
posits _________ -- ___ --- __ Time Certificates of Deposit Saving's Deposits __________ _ 
 
88,119 97 
------ _-42,877 21 
2,273 45 
 
Advances on other Commodi- 
 
Cashier's Checks _---- _------ 
 
835 09 
 
ties ___ ------------------- --------- Certified Checks _______ ---- _- ------- __ 
 
Checks for Clearing House __ 1,163 72 Bills Payable -------------- 20,000 00 
 
Other Checks and Cash Items 
 
569 41 Notes and Bills Rediscounted ________ - 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A--c_c_e_p_t-_ 
 
_ _______ _ 
 
Borrowed Money ____ -----Liability on Letters of Credit, 
 
--------- 
 
Overdrafts- (if any) ______ _ 9,093 15 and Acceptances ____ -- _- _- __ ---- _-- 
 
Other Assets: 
 
Reserve for Interest and Taxes __ --- ___ - 
 
Suspense ------------------- 
 
291 49 Other Liabilities ----------- --------- 
 
Total --------------------$180,308 34 Total --------------------$180,308 34 
 
BANK'S STATEMEJNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ Demand Loans ____________ _ 
 
99,590 10,722 
 
63 70 
 
Capital Stock Paid In ------$ Amt. Reserved for Branches 
 
15,000 
 
00 
 
Loans Secured by Real Estate United States Bonds ______ _ 
 
21,605 34 5,000 00 
 
SUunrdpilvuisdeFd uPnrdof-it-s--_-_-_-_-------_-_-_-- 
 
8,000 00 
 
Other Stocks and Bonds ___ _ Banking House __________ _ 
 
--3-,0-0-0---0-0 
 
Dividends Unpaid Due to Banks in 
 
___ - _____ this State 
 
--------- Furniture and Fixtures ___ _ 
Other Real Estate Owned ___ _ Due from Banks in this State 
 
3,737 14 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 4,589 78 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
763 05 DeCmhaencdk C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 57,759 70 
 
4,472 00 145 00 
 
TipmoesitCs e-rt-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
38,456 45 
 
Silver, Nickels. Pennies ___ _ 1,054 30 Savings Deposits -- __ ---- __ - 10,935 68 
 
Advances on Cotton _- ____ - _ 28,861 76 Trust Funds on Deposit_ __ - 
 
Advances on other Commodi- 
 
Cashier's Checks ____ - ___ - _ 1,687 70 
 
Chteiecks s -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
 
2,412 52 Certified Checks _-- - - - - - - - - - 1,200 00 Bills Payable--------------- 49,000 00 
 
Other Checks and Cash Items 
 
725 09 Notes and Bills Rediscounted 8,312 01 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money---------- 
 
Ovaenrcdesraf-t-s---O--f-a-n--y-)--_------ -_-_---_ 
 
Liability on Letters of Credit, 545 59 and Acceptances ___ - ____ -- 
 
COothlleerctiAosnssets__: __ - _____ - ____ - _ 
 
Reserve for Interest and Taxes 687 98 Other Liabilities ____ ---- _-- 
 
Profit and Loss------------- 
 
38 66 
 
Total ---------------------$189,151 54 Total ---------------------$189,151 54 
 
 FIRST ANNUAL REPORT 
 
101 
 
BXAMINBB.'S B.BPOB.'r. 
 
TAYLOR COUNTY BANK, BUTLER. 
 
At Close of Business July 8, 1920. 
 
President-W. W. Edwards. Vice-President-A. H. Sealy. Cashier-V. I. Butt. 
 
Directors-W. W. Edwards, J. F. Posey, Eli Garrett, A. D. Chapman, W. E. Stud, A. V. Butt, A. H. Sealy. 
 
Date of Chaorter-March 3, 1919. 
 
Beg'an Business-April 16, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
 
46,909 10,491 
 
08 33 
 
ULonaitnesd SSetcautreesd BboynRdsea_l_E__s_t_a_te_ 40,886 72 
 
Capital Stock Paid In _______ $ 15,000 ASumrtp.luRs eFseurnvded _-f-o_r__B_r_a_n_c__h_es_ Undivided Profits _________ _ 3,460 
 
00 30 
 
Other Stocks and Bonds ___ _ 4.500 00 Dividends Unpaid __ -------- 
 
FBuarnnkiitnugre HanodusFeix-t-u-r-e-s--_-_-__-_--_ 
 
2, 214 38 Due to Banks in this State 3,500 00 Due from Banks in other 
 
Other Real Estate Owned __ Due from Banks in this State 
 
2,466 06 CaSlltaMtesone-y---_-_-_-__-_-_-_-_-_-_-_-_-_-_--_ 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States ------------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P-e--n-n-i-e-s--_-__--_ Advances on Cotton _______ _ 
 
4, 600 25 1,078 00 
142 50 
 
DepCmohaseinctdk _C-_-_e-_r-_ti-_f-_ic-_a-_t-_e-_s_-_-_-o_-f_-_-D-_-e-- 
 
207 
 
80 
 
Time Certificates Savings Deposits 
 
of Deposit _________ _ 
 
36,924 48 69,660 92 
 
Advances on other CommodiC htei ecsk s- -f-o-r- - -C- l-e-a-r-i-n-g- - -H-o- -u-s-e 
 
Cashier's Checks _____ - ___ _ Certified Checks ___________ _ 2,824 05 Bills Payable -------------- 
 
88 21 
 
Other Checks and Cash Items 
 
73 07 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certifi.cates of Deposit .for 
 
ters of Credit and Accept- 
 
Borrowed Money ____ -- ___ _ 
 
ances --- ____ --- -- -- - -- - - - 
 
Liability on Letters of Credit, 
 
OOtvheerrdArasfstest-s(i_f__a_n__y_)_______ _ 
 
1,529 70 and Acceptances ---------139 80 Reserve for Interest and Taxes 
 
Depositors' Guaranty Fund_ 3,451 17 Other Liabilities _____ - ___ _ 
 
Fire Insurance Fund _____ _ 
 
120 00 
 
Total --------------------$125,133 91 Total --------------------$125,133 91 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans _- ______ - __ _ 
 
96,952 11,299 
 
07 36 
 
Capital Stock Paid In ------$ Amt. Reserved for Branches 
 
15,000 00 
 
Loans Secured by Real Estate Other Stocks and Bonds ___ _ Banking House ___________ _ 
 
49,850 4,500 
 
0104 
 
US unrdpi vl ui ds e dF uPnrdo f i t-s- - -_-_ -_ _- _- _-_-_-_- -_ 
 
2,214 38 Dividends Unpaid ---------- 
 
836 57 
 
Furniture and Fixtures _- __ 3,500 00 Due to Banks in this State 
 
Other Real Estate Owned Due from Banks in this State 
 
4,083 35 CDaulel toMoBnaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ 
 
7,000 00 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States ------------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie--s--_-_-_-_ 
Advances on Cotton _------- 
 
662 73 1,383 00 
95 00 58 51 
 
DeCpmohsaeinctdk _C-_-_e-_r-_ti-_f-_ic-_a-_t-_e-_s-__-_-o_-f_-_-D_-_-e-_Time Certificates of Deposit Savings Deposits __________ _ 
 
32,132 67 50,430 84 
 
Advances on other Commodi- 
 
Trust Funds on Deposit ___ _ 
 
C htei ecsk s- -f o- -r - -C-l-e-a-r-i n- -g- -H-o- u- -s-e-_-_ Other Checks and Cash Items 
 
Cashier's Checks _____ - ___ _ Certified Checks __________ _ 
 
20 63 
 
790 72 Bills Payable ___________ _ 31,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
C'ertificates of Deposit for 
 
O va necr edsr a -f t-s---(-l-f- -a-n-y-)- - -_-_-_-__-_- -_ 
 
Borrowed Money __ ---- ___ 7,461 76 Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ---------- 
 
Depositors' Guaranty Fund __ 3,451 17 Reserve for Interest and Taxes 
 
Withan Mut. Fire Insurance 
 
120 00 Other Liabilities _____ - ___ _ 
 
County Warrants ____ ---- _- 
 
343 18 
 
Total ________________ - ___ $13 6, 920 73 Total --------------------$136,980 73 
 
 r 
', 
102 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
FARMERS BANK, BYRON. 
 
At Close of Business September 19, 1920. 
 
President-C. L. Bateman. Vice-Presidents---J. D. Hardison, Z. T. Aultman. Cashier-s. J. Barron. 
Directors--C. L. Bateman, IS. J. Ba11ron, G. D. Tucker, G. P. Clives, J. D. Hardison, L. 0. Benton, F. P. Smith, Z. T. Aultman, C. H. Jackson, H. J. Peavy. 
 
Date of Charter-December 2, 1909. 
 
Began Business-January 3, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
Loans Secured by Real Estate 
 
94,751 3,322 
 
44 10 
 
Capital Stock Paid In ______ $ SAumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c_h__es_ 
 
25,000 
 
00 
 
United States Bonds _____ _ Other Stocks and Bonds __ Banking House __________ _ 
Furniture and Fixtures ___ _ Other Real Estate Owned ___ _ Due from Banks in this State 
 
1,000 00 
1, 700 00 1,000 00 
1,518 78 
 
DUnivdiidveinddeds PUrnopfiatisd -_-_-_-_-_-_-_-_--_ Due to Banks in this State Due from Banks in other 
States ------------------Call Money ---------------- 
 
2,566 56 356 44 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States ------------------Currency -----------------SGiolvlder, -N--ic-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-_-_-_ 
 
2,950 35 1,654 00 
---459-38 
 
DeCmhaenckd -C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-posit ___ -- --------------- 
Time Certificates of Deposit 
 
Advances on Cotton _______ _ 
 
Savings Deposits _______ - __ _ 
 
39,764 09 
112 41 9,061 07 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i-_ 
Checks for Clearing House __ Other Checks and Cash Items 
 
Trust Funds on Deposit- __  
 
Cashier's Checks ---------- 
 
100 00 
 
Certified Checks ___ -- ___ -- __ 
 
Bills Payable ____________ _ 37,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
Certificates of Deposit for Borrowed Money _---- _--- _ 
 
Overdrafts- (if any) _____ _ Cash Short ________________ _ 
 
1,349 74 Liability on Letters of Credit, 167 95 and Acceptances ---------Reserve for Interest and Taxes 
 
Other Liabilities __ --- _--- _ 
 
Total --------------------$114,460 57 Total ____________________ $114,460 57 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLd oLanosans---_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
70,727 27,409 
 
09 96 
 
Capital Stock Paid In _______ $ 25,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 22,200 00 Surplus Fund -------------- 
 
United States Bonds ------Other Stocks and Bonds ___ _ 
 
1,000 00 UDnivdiidveinddeds UPrnopfaiitds _-_-_-_-_-_-_-_-_-_--_ 
 
Banking House ____________ _ 1, 700 00 Due to Banks in this State 
 
Furniture and Fixtures _- __ 1,000 00 Due to Banks in other 
 
Other Real Estate Owned __ 
 
States ------------------- 
 
Due from Banks in this State 4,324 11 Call Money ---------------- 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States ------------------Currency ------------------ 
 
796 83 3,081 00 
 
DeCmhaenckd 
 
C- -e-r t-i-f-i c-a-t-e-s- - -o-f- -D- -e-- 
 
24,699 29 
 
SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
681 12 TipmoesitCe-r-t-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
Advances on Cotton - ____ - __ 
 
Savings Deposits ----------- 
 
Advances on other Commodi- 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n- -g- -H-o- u- -s-e-__Other Checks and Cash Items 
 
Trust Funds on Deposit- ___ _ 2,163 41 
 
Cashier's Checks __________ _ 
 
294 87 
 
Certified Checks __ -- ___ --- _ 
 
3,203 71 Bills Payable _____ -- ___ - __ _ 32,000 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
O avnecredsr a-f t-s---O- -f- - a- -n-y-)- - - - - - - - 
 
Borrowed Money ____ - _---1,209 08 Liability on Letters of Credit, 
 
Other Assets -------------- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Liabilities----------- 
 
Total --------------------$ 90,463 90 Total --------------------$ 90,463 90 
 
 FIRST ANNUAL REPORT 
 
103 
 
EXAl!lliNEB'S BEPOBT. 
 
BANK OF BYROMVILLE, BYROMVILLE. 
 
At Close of Busines's July 24, 1920. 
 
President-E. B. Davis. Vice-President-J. D. Lester. Cashier-L. H. Buxton. 
Directors-E. B. Davis, w. T. Ricks, .J. D. Lester, A. A. Joiner, W. R. Graves. 
 
Date of Charter-July 19, 1920. 
 
Began Business-JulY 26, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 26,628 04 
 
Demand Loans ---------------- 465 83 
 
Loans Secured by Real Estate United States Bonds_________ _ 
 
3,500 00 174 67 
 
Other Stocks and Bonds_____ _ 
 
BF uarnnkiitnugr e Haonuds eF i-x-t-u-r-e-s-.-. _-_-_-_-_-_- -_ Other Real Estate Owned____ _ 
 
Due from Banks in this State_ Due from Banks in other States 
Currency --------------------GSiollvder,--N--i-c-k-e-l-s-, --P-e-n-n--ie-s--__-_-_-_-_-_--_ Advances on Cotton___________ _ 
 
14,762 24 1,370 09 1,422 00 20 00 334 83 
 
Advances on other Commodi- 
 
Chteiecsks--f-o-r--C--l-e-a-r-i-n-g--H--o-u-s-e--__-_--_ 
 
Other Checks and Cash Items 
 
1 66 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts-(lf any) ---------Other Assets: 
 
306 66 
 
Profit and Loss -------------- 
 
49 22 
 
Capital Stock Paid in__________$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ------------------ 
 
Undivided Profits ------------- 
 
Dividends Unpaid -------------Due to Banks in this State___ _ 
 
Due to Banks in Other States 
 
Call Money -------------------- 17,500 00 Individual Deposits Subject to 
 
DeCmheacnkd C-e--rt-i-f-ic-a--te-s--o-f--D--e-p-o-s-i-L- 13,386 03 Time Certificates of DeposiL __ _ 3,005 10 
 
Savings Deposits -------------Cashier's Checks -------------- 
 
144 11 
 
Certified Checks -------------- 
 
Bills Payable -----------------Notes and Bills Rediscounted __ 
 
CertifiC'ates of Deposit for Bor- 
 
rowed Money -------------Liability on Letters of Credit, 
 
and Acceptances -----------Reserve for Interest and 'l'axes 
 
Other Liabilities -------------- 
 
Total -----------------------$ 49,035 24 Total -----------------------$ 49,035 24 
 
 r'"'-"'""'"''.,."'''"tl""'"'!.......,'!'.""!'"'"'";--.....,~"",',..-.,., r ~- 
 
104 
 
BANKING DEPARTMENT 
 
EXAJIIIINElr.'S lr.EPOlr.'r. 
CADWELL BANKING COMPANY, CADWELL. 
 
At Close of Business August 3, 1920. 
 
President-H. R. Bedingfield. Vice-Bresident-H. C. Burch. Cashier-J. A. Burch. 
 
Directors-H. R. Bedingfield, H. C. Burch, J. A. Bllll'ch, D. W. Allegood, B. J. 
 
Bedingfield, W. B. Coleman, R. J. Register. 
 
Date of Charter--January 5, 1910. 
 
Began Business-February 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------- ------$ 67,178 91 
 
Demand Loans ---------------- 
 
60 00 
 
Loans Secured by Real Estate 
 
United States Bonds ---------Othe.r 8tocks and Bonds_____ _ 
 
Banking House ---------------- 4,5oo o Furniture and Fixtures ------ 3,814 70 Other Real Estate Ovvned____ _ 
 
Due from Banks in this States 6,351 83 
 
Capital Stock Paid in_________ $ 25,000 00 Amount Reserved for Branches Surplus Fund ----------------- 2,500 00 Undivided Profits ------------- 2,385 12 Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in Other States 
Calli Money ------------------Individual Deposits Subject to 
 
Due from Banks in Other States 
Currency ---------------------GSiollvder-, -N--i-c-k-l-e-s-,--P-e-n-n--ie--s-_-_-_-__-_-_--_ Advances on Cotton___________ _ 
 
4,827 03 
995 00 
30 00 1,189 55 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ 
Savings Deposits -------------Cashier's Checks -------------- 
 
12,218 31 600 00 
17,303 71 
73 65 
 
Advances on other Commodi- 
 
Certified Checks -------------- 
 
ties -------------------------Checks for Clearing House__ _ 
 
Bills Payable ------------------ 30,000 00 Notes and Bills Re-discounted __ 
 
Other Checks and Cash Items_ 112 50 Certificates of Deposit for Bor- 
 
Customers' Liability on Letters of Credit and Acceptances___ _ 
 
rovved Money ---------------Liability on Letters of Credit, 
 
Overdrafts-Of any) ---------- 1,012 45 and Acceptances ------------ 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Cash Short -------------------- 
 
8 82 Other Liabilities -------------- 
 
Total ------------------------$ 90,080 79 Total -----------------------$ 90,080 79 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 51,370 59 
Demand Loans -------------- 2,172 64 
 
Capital stock Paid in________ $ Amount Reserved for Branches 
 
25,000 00 
 
Loans Secured by Real Estate 3,216 00 Surplus Fund ------------------ 2,500 00 
 
United States Bonds ---------- 
 
Undivided Profits ------------ 2,210 47 
 
Othe.r Stocks and Bonds_____ _ 
 
Dividends Unpaid -------------- 
 
Banking House -------------Furniture and Fixtures ------ 
 
4,500 00 Due to Banks in this State____ _ 3,814 70 Due to Banks in other States 
 
Other Real Estate Ovvned____ _ 
 
Call Money -------------------- 
 
Due from Banks in this State __ 3.520 26 Individual Deposits Subject to 
 
Due from Banks in other States 
Cu~rency ---------------------SGiolvlder, --N--ic-k-e--ls-.--P--e-n-n-i-e-s---_-__-_-_--_ 
 
1,348 86 1,740 00 
 
DeCmheacnkd C--e-r-t-if-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
14,670 96 
 
30 00 Time Certificates of Deposit__ 10,078 30 
 
562 92 Savings Deposits -------------- 
 
Advances on Cotton ---------- 1,105 67 Trust Funds on Deposit ------ 
 
Advances on other Commodi- 
 
Caislhier' s Checks ------------ 
 
37 95 
 
ties -------------------------Checks for Clearing House __ _ 
 
Certified Checks -------------Bills Payable ----------------- 17,500 00 
 
Other Checks and Cash Items __ 326 40 Notes and Bills Rediscounted __ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances ___ _ 
 
rovved Money --------------- 
 
Overdrafts-(if any) ---------- 1,365 64 L,iability on Letters of Credit, 
 
Othe.r Assets: Prepaid Insurance ------------ 
 
and Acceptances ------------ 
 
140 00 
 
Rese.rve for Interest and Taxes Other Liabilities -------~------ 
 
Total ------------------------$ 71,997 68 Total ------------------------$ 71,997 68 
 
 FIRST ANNUAL REPORT 
 
105 
 
EXAllllmEB.'S B.EPOB.T. 
 
CAIRO BANKING COMPANY, CAmO. 
 
At Close of Business September 27, 1920. 
 
President-0. T. Davis. Vice-President-Boykin Hal'I'ison. Cashier-Henry Hester. 
 
Directors-0. T. Davis, Boykin Harrison, Mrs. Walter Davis. 
 
Date of Charter-November 23, 1903. 
 
Began Business-November 23, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Lioans -------------------$467,781 89 Capital Stock Paid in --------$ 35,000 00 
 
Demand Loans --------------- 39,193 97 Amount Reserved for Branches - - - - - 
 
Loans Secured by Real Estate --------- Surplus Fund ------------------ --------- 
 
United States Bonds ---------- 2,450 00 Undivided Profits ------------- 34,787 61 
 
Other Stocks and Bonds______ --------- Dividends Unpaid ----------- ________ _ 
 
Banking House --------------- 5,555 43 Due to Banks in this State____ --------Furniture and Fixtures ______ 2,885 55 Due to Banks in other States ________ _ 
 
Other Real Estate Owned_____ ________ _ Call Money -------------------- --------- 
 
Due from Banks in this State 34,947 54 Individual Deposits Subject to 
 
Due from Banks in other States Cum-ency ---------------------- 
 
9,788 52 5,385 00 
 
DeCmhaenckd C--e-.r-t-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t 2_1_3_,_0_4_0__49_ 
 
GSiolvlder, --N-i-c-k-e--ls-,--P-e-n--n-i-e-s--_-_-_-_-_-_- 
 
2,521602 5610 
 
Time Certificates of Deposit__ 202,813 0~ Savings Deposits -------------- ________ _ 
 
Advances on Cotton____________ --------- Trust Funds on Deposit ______ 25,073 30 
 
Advances on other Commodi- 
 
Cashie.r's Checks -------------- 2,608 44 
 
ties -------------------------- ________ _ Certified Checks -------------- --------- 
 
Checks for Cliearing House____ 7,514 23 Bills Payable ------------------ 60,000 00 
 
Other Checks and Cash Items 1,811 81 Notes and Bills Rediscounted__ ________ _ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances __ --------- ,rowed Money ---------------- --------- 
 
Overdrafts-Of any) ---------- 169 57 Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ------------ --------- 
 
Cash Short -------------------- 
 
40 07 Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 6,973 76 
 
Total ------------------------$580,296 69 Total -----------------------$580,296 69 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$523.257 92 Capi.tal Stock Paid in ________ $ 35,000 00 
 
Demand Loans ---------------- --------- Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ---------------- --------- 
 
United States Bonds ---------- --------- Undivided Profits -------------- 34,294 10 
 
Other Stocks and Bonds______ --------- Dividends Unpaid. ------------- --------- 
 
Banking House -------------- 5,555 43 Due to Banks in this State____ --------- 
 
Furniture and Fixtures ------ 2.81f5 5!' Due to Banks in other States --------- 
 
Other Real Estate Owned_____ --------- Call Money -------------------- --------Due from Banks in this State 17.139 85 Individual Deposits Subject to 
 
Due from Banks in other States Curtrency -~-------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_-_- 
Advances' on Cotton____________ 
 
7.330 49 
4,351 00 262 50 
1,972 36 --------- 
 
Check ----------------------- 217,460 96 Demand Certificates of Deposit --------Time Certificates of Deposit_ ___ 194,998 57 Savings Deposits -------------- --------Trust Fund's on Deposit ______ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ------------- 2,647 90 
 
ties -------------------------- --------- Certified Checks -------------- --------Checks for Clearing House____ 6,850 33 Bills Payable ---------------- --------Other Checks and Cas'Ti Items__ 4,796 10 Notes and Bills Rediscounted_ 90.000 00 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- ii'Owed Money --------------- --------Overdrafts-(lf any) ---------- --------- Liability on Letters of Credit, 
 
Other Assets ------------------ --------- and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$574,401 53 Total ------------------------$574,401 53 
 
 106 
 
BANKING DEPARTMENT 
 
EXAJIQNEB'S BEPOB'l'. 
 
CITIZENS BANX, CAIRO. 
 
At Close of Business October 16, 1920. 
 
President-'H. G. Cannon. Vice-President-K. P. Wight. Cashier-W. H. Searcy. 
 
Directors-H. G. Cannon, W. H. Searcy, K. P. Wight, R. C. Belt, D. F. Oliver, 
 
J. W. Booth, J. B. Wight, F. W. Faircloth, A. L. Kelley, Ira Higdon, A. C. Dickey. 
 
Date of Charter~December 3, 1903. 
 
Began Business-July 2, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$480,345 62 Capital Stock Paid in_________ $ 50,000 00 
 
Demand Loans ---------------- 109,126 23 Loans Secur.ed by Real Estate --------United States Bonds -------- 11,200 00 Othe.r Stocks and Bonds______ --------- 
Banking House -------------- 6,200 00 Furniture and Fixtures ------ 3,200 00 
 
Amount Reserved for Branches Surplus Fund ----------------Undivided Profits -----------Dividends Unpaid -----------Due to Banks in this State____ Due to Banks in other States 
 
--------18,000 00 33,703 22 ----------------________ _ 
 
Other Real Estate Owned_____ --------- Call Money ------------------- --------Due from Banks in this State 48,866 07 Individual Deposits Subject to 
 
Due from Banks in other States 4,001 73 Check ----------------------- 175,485 78 
 
Currency ---------------------- 9,443 00 Demand Certificates of Deposit --------Gold -------------------------- 162 50 Time Certificates of Deposit__ 232,005 18 Silver, Nickels, Pennies ------ 2,683 95 Savings Deposits -------------- 97,828 69 
 
Advances on Cotton____________ --------- Trust Funds on Deposit ------ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 1,107 08 
 
ties -------------------------- --------- Certified Checks -------------- --------Checks for Clearing House____ 1,377 67 Bills Payable ----------------- 75,000 00 
 
Other Checks and Cash Items 1,822 13 Notes and Bills Rediscounted__ --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed Money --------------- --------Overdrafts-(if anyj ---------- 281 58 Liability on Letters of Credit, 
 
Other Assets ---------------- 4,419 47 and Acceptances ------------ --------- 
 
Rese.rve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total -----------------------$683,129 95 Total ------------------------$683,129 95 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time I.Joans ------------------$546,364 35 Capital Stock Paid in --------$ 50,000 00 
 
Demand Loans ---------------- --------- Amount Reserved for Branches --------- 
 
Loans 'Secured by Real Estate --------- Surplus Fund ---------------- 18,000 00 United States Bonds___________ 700 00 Undivided Profits ------------ 32,871 82 
 
Other Stocks and Bonds______ Banking House --------------- 
 
--------12,468 33 
 
DDiuveidetnodsB Uannkpsaidin--t-h-i-s--S--ta-t-e-_-_- 
 
_--_-__-_-_-_-_--_ 
 
Furniture and Fixtures -------- 3,200 00 Due to Banks in other States --------- 
 
Other Real Estate Owned_____ --------- Callt Money ------------------- --------Due from Banks in this State __ 122,039 65 Individual Deposits Subject to 
 
Due from Banks in other States 32,918 90 Check ----------------------- 307,207 7~ 
 
Cur:rency ---------------------- 12,194 00 Demand Certificates of Deposit --------Gold -------------------------- 157 5o Time Certificates of Deposit__ 230,015 82 Silver, Nickels, Pennies ------ 2.416 74 Savings Deposits -------------- --------Advances on Cotton____________ --------- T.rust Funds on Deposit ______ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks -------------- 608 54 
 
Chtieecsks---fo--r --C--le-a--ri-n-g---H--o-u-s-e-_-_-_- 
 
_-_-_-_-_-_-_-_--_ 
 
Certified Checks -------------- --------Bills Payable ----------------$100,000 00 
 
Other Checks and Cash Items 6,244 50 Notes and Bills Rediscounted __ --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances -- --------- rowed Money ---------------- --------Overdrafts-(if any) ---------- --------- Liability on !Letters of Credit, 
 
Other Assets ------------------ --------- and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$738,703 97 Total ------------------------$738,703 97 
 
 FIRST ANNUAL REPORT 
 
107 
 
E:XAMilfEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, CAIRO. 
 
At Close of Business October 19, 1920. 
 
President-Thos. Wight. Vice-Presidents-0. L. Maxwell, J. A. Powell. Cashier-J. E. Forsyth. 
Directors--Thos. Wight, J. A. Powell, L. 0. Maxwell, W. A. Walker, A. \V. Miller, Joe Higdon, Ira Higdon, C. E. Mauldin, J. A. Pope, \V. A. 
Shiver, vV. A. Carr, J. M. Paulk, J. A. Wynn, J. M. 
 
Sasser, Dn. J. B. WaJrnell. 
 
Date of Charter-November, 1910. 
 
Began Business-November 26, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$448,149 85 Demand Loans ---------------- 56,629 40 Loans Secured bY Real Estate 153,610 50 United States Bonds __________ 3,250 00 Other Stocks and Bonds______ --------Banking House -------------- 4,252 90 Furniture and Fixtures ______ 2,000 00 Other Real Estate Owned____ 1,450 00 Due from Banks in this State 20,000 57 Due f,rom Banks in other States 8,561 87 Currency ---------------------- 7, 716 00 Gold -------------------------- --------Silver, Nickels,, Pennies -------- 2,235 60 Advances on Cotton____________ --------Advances on other Commodi- 
tie,s -------------------------- --------Checks for Clearing House ____ 1,328 97 Other Checks and Cash Items 3,370 22 Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any) ---------- 9,520 88 Other Assets ------------------ 8,282 90 
Total ------------------------$729,359 66 
 
Capital Stock Paid in --------$ 25,000 00 Amount Reserved for Branches: 
 
Calvary ------------------------ 15,000 00 
 
Surplus Fund ------------------ --------- 
 
Undivided Pnofits ------------ 42,594 29 
 
Dividends Unpaid ------------ 
 
4 00 
 
Due to Banks in this State__ _ 62,692 64 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 275,096 65 Demand Certificates of Deposit ________ _ 
 
Time Certificates of Deposit__ 230,927 85 
 
Savings Deposits -------------- 71,073 94 Trust Funds on Deposit ______ --------- 
 
Cashier's Checks -------------- 1,970 29 
 
CBeilrltsifiPeadyaCbhleeck_s__-_-_-_-_-_-__-_-_-_-_-_-_-_- -2-0-,0-0-0---00- 
 
Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit, 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other LiabiUties -------------- --------Total ------------------------$729,359 66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIE:S 
 
Time Loans ------------------$436,059 82 Capital Stock Paid in --------$ 25,000 00 
 
Demand Loans ---------------- 56,575 23 Amount Reserved for Branches: Loans Secured by Real Estate 170,393 37 Calvary, Ga. ------------------ 15,000 00 United States Bonds ----------- 3,250 00 Surplus Fund ------------------ 
 
Other 8'tocks and Bonds______ --------- Undivided Profits ------------ 36,515 43 
 
Banking House -------------- 4,252 90 Dividends Unpaid ------------ 
 
4 00 
 
Furniture and Fixtures ______ 2,000 00 Due to Banks in this State ___ _ 
 
Other Real Estate Owned ____ 1,450 00 Due to Banks in other States__ 
 
Due from Banks in this State 42,054 57 Call Money -------------------- 
 
Due from Banks in other States 15,754 8f Individual Deposits Subjeet to 
 
Currency ---------------------- 6,400 00 Check ----------------------- 305,526 05 
 
Gold -------------------------- 
 
12 50 Demand Certificates of Deposit 
 
Silver, Nickels, Pennies ------ 2,483 32 Time Sertificates of DeposiL __ 245,096 63 
 
Advances on Cotton____________ --------- Savings Deposits -------------- 59,318 17 
 
Advances on other Commodi- 
 
Trust Funds on Deposit _____ _ 
 
Chtieecsks---fo--r--C--le-a--ri-n-g---H--o-u-s-e-_-_-_- 
 
_-_-_-_-_-_-_-_--_ 
 
Cashier's Checks -------------Cel'tified Checks -------------- 
 
1,870 06 168 07 
 
Other Checks, and Cash Items 2,330 43 Bills Payable ------------------ 70,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted __ 
 
of Credit and Acceptances __ --------- Certificates of Deposit for Bor- 
 
Overdrafts-Memo ------------ 3,718 34 rowed ,Money ---------------- 
 
Other Assets ----------------- 481 41 Liability on Letters of Credit, 
 
and Acceptances ------------ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total -----------------------$743,49S 41 Total -----------------------$743,498 41 
 
 108 
 
BANKING DEPARTMEXT 
 
EXAllllDI'EB.'S B.EPOB.'l'. 
 
PEOPLES BANK, CALHOUN. 
 
At Close of Business November 8, 1920. 
 
President-W. L. Hines. Vice-President-F. L. Hicks. Cashier-B. W. Blackman. 
 
Directors-W. L. Hines, F. L. Hicks, B. W. Blackman, A. L. Hinson, L. Fine, 
 
W. 0. Lewis, H. E. McGinty. Date of Charter-1905.. 
 
Began Business-1905. 
 
RESOURCES 
 
LIABILITIES / 
 
Time Loans ------------------$488,7 48 04 Capital Stock Paid in --------$ 55,000 00 
 
Demand Loans ---------------- 29,389 05 Amount Reserved for Branches 
 
Loans Secured by Real Estate 36,090 20 Surplus Fund ------------------ 11,000 00 United States Bonds ---------- 800 00 Undivided Profits -------------- 11,481 10 
 
Other Stocks and Bonds ------ 8, 750 00 Dividends Unpaid -------------- 
 
Banking House ---------------- 5,500 00 Due to Banks in this State 
 
Furniture and Fixtures ------ 5,000 00 Due to Banks In other States 
 
'Other Real Estate Owned_____ --------- Call Money ------------------ 65,000 00 
 
Due from Approved Reserve 
 
Individual Deposits Subject to 
 
Agents ---------------------- 46,461 85 Check ----------------------- 209,163 55 
 
Due from Banks in other States Currency ---------------------- 
 
--9~633-oo 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 168,040 16 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-__-_--_ 
 
1,660 00 .Savings Deposits -----------1,274 36 Trust Funds on Deposit -------- 
 
Advances on Cotton ---------- 15,833 30 Cashier's Checks ------------ 
 
Advances on other Commodi- 
 
Certified Checks -------------- 
 
ties -~------------------------ ________ _ Bills Payable ---------------- 30,000 00 
 
:roo Checks for Clearing House ____ 2,465 82 Notes and Bills Rediscounted__ 109,864 29 
 
Other Checks and Cash Items__ 
 
57 Certificates of Deposit for Bor- 
 
Customers' L.iability on Letters 
 
rowed Money ---------------- 9,000 00 
 
of Credit and Acceptances__ --------- Liability on Letters of Credit, 
 
Overdrafts-Of any) ---------- 1,135 09 and Acceptances ------------ 
 
Other Assets ------------------ 18,739 80 Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total -----------------------$668,549 10 Total -----------------------$668,549 10 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoLanosans---c-_-_-_-_-_-_--_-_-_-_-_-_-_-_$_48-0-,-8-8-7---0-5 
 
Capital Stock Paid in__________ $ 55,000 00 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Sur.plus Fund ---------------- 11,000 00 
 
United States Bonds -------- 800 00 Undivided P:l'ofits -------------- 11,371 64 
 
Other Stocks and Bonds ------ 8,750 00 Dividends Unpaid -------------- --------Banking House -------------- 5,500 00 Due to Banks in this State____ 1,500 00 Furniture and Fixtures ________ 5,000 00 Due to Banks in other States 47,5U6 00 
 
Other Real Estate Owned_____ --------- Call Money ------------------ --------Due from Banks. in this State__ 27,488 19 Individual Deposits Subject to 
 
Due f.rom Banks in other States 11,715 66 Check ------------------------ 184,583 11 
 
Currency ---------------------- 8, 712 00 Demand Certificates of Deposit 9,000 00 
 
Gold -------------------------Silver, Nickels. Pennies ______ 
 
1,625 00 912 84 
 
STaimviengCserDtiefpicoastietss o_f__D_e_p_o_s_i_t____ _1_33_,_8_4_9__39_ 
 
Advances on Cotton ---------- 12,909 14 Trust Funds on Deposit -------- --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ --------- 
 
Chtieec.sks---fo--r --C--le-a--ri-n-g---H--o-u-s-e-_-_-_- 
 
_-_-_-_-_-_-_-_--_ 
 
Certified Checks ---------------- ----Bills Payable ----------------- 12,000 00 
 
Other Checks and Cash Items 1,626 16 Notes and Bills Rediscounted __ 105,368 49 
 
Customers' Liability on Letters 
 
Centificate-s of Deposit for Bor- 
 
of Credit and Acceptances___ --------- rowed Money --------------- ________ _ 
 
Overdrafts-Of any) ---------- 2,901 04 Liabil[f'Y on Letters of Credit, 
 
Other Assets ------------------ 735 55 and Acceptances ----------- --------Item in Transit ---------------- 1,610 00 Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$571,172 63 Total ------------------------$571,172 ()3 
 
 FrRST ANNUAL REPORT 
 
109 
 
EXAMDI"EB'S BEPOBT. 
 
BANK OF CAMILLA, CAMILLA. 
 
At Close of Business October 18, 1920. 
 
President-W. L. Butler. Vice-Presidents----J. P. McRee, Miss Laura Bennett, 
 
J. L. Palmer. Cashier-J. J. Wicker. 
 
Directors-W. L. Butler, J. P. McRee, J. L. Palmer, Miss Laura Bennett, M. H. 
 
Metcalf. 
 
Date of Charter-November 4, 1889. 
 
Began Business-Januwry 2, 1890. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$362,130 51 Demand Loans -------------- 28,007 29 Loans Secured by Real Estate 70,000 00 
 
United States Bonds ---------- --------Other Stocks and Bonds ------ 3,000 Ou 
 
Banking House ------------- __ --------Furniture and Fixtures ------ 7,500 00 Other Real Estate Owned_____ --------Due from Banks in this State 36,939 01 Due from Banks in other States 5,805 95 
 
Currency ---------------------GSiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_--Advances on Cotton ----~----Advances on other Commodi- 
 
6,506 00 --------- 
2,443 51 
18,138 81 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e---__-_-_- ---8-1-0--0-0- 
 
Other Checks and Cash Items 4,010 38 Customers' 'Liability on Letters 
of Credit and Acceptances__ 26,000 00 
 
Overdrafts-(if any) ---------- --------Other Assets ------------------ 4,357 95 
 
Capital Stock Paid in________$ 50,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 50,000 00 Undivided Profits ------------ 14,626 75 
 
Dividends Unpaid ------------ --------Due to Bap.ks in this State__ --------- 
 
Due to Banks in other States --------- 
 
Call Money ------------------- --------Individual Deposits Subjest to 
 
Check ----------------------- 159,926 01 Demand Certificates of Deposit --------Time Certificates. of Deposit__ 123,197 19 
 
Savings Deposits ------------ 51,515 67 
 
Trust Funds on Deposit ------ --------Cashier's Checks -------------- 2,233 63 
 
Certified Checks -------------- 
 
9 17 
 
Bills Payable ---------------- 20,000 00 
 
Notes and Bills Rediscounted__ 84,140 99 
 
Certificates of Deposit for Bor- 
 
rowed Money -------------- --------Liability on Letters of Credit, 
 
and Acceptances ------------ 20,000 00 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ------------- --------- 
 
Total ------------------------$575,649 41 Total ------------------------$575,649 41 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$336,919 00 Capital Stock Paid in ________ $ 50,000 00 
 
Demand Loans ---------------- 20,116 69 Amount Reserved for Branches --------- 
 
Loans Se.cured by Real Estate 98,116 30 Surplus Fund ---------------- 50,000 00 United States Bonds ---------- ________ _ Undivided Pl'ofits ------------ 18,896 51 Other Stocks and Bonds ______ 3,750 00 Dividends Unpaid ------------ --------- 
 
Banking House --------------- --------- Due to Banks in this States__ --------Furniture and Fixtures ______ 7,500 00 Due to Banks in othe,r States --------- 
 
Other Real Estate Owned_____ --------Due from Banks In this State 34,916 04 
 
Call Money -------------------Individual Deposits Subject to 
 
--------- 
 
Due from Banks in other States 4,901,98 Check ----------------------- 134,069 12 
 
Cu11rency --------------------- 6,190 00 Demand Certificates of Deposit --------- 
 
Gold -------------------------- --------- Time Certificates of Deposit__ 115,322 97 Silver, Nickels, Pennies ------ 2, 700 25 Savings Deposits -------------- 62,885 16 
 
Advances on Cotton ---------- 19,556 98 Trust Funds on Deposit -------- --------- 
 
Advances on other Commodi- 
 
Cashier's Checks -------------- 2, 725 34 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e---__-_-_- 
 
--4-,1-6-2--0-2- 
 
Certified Checks -------------Bills Payable ---------------- 
 
9 17 20,000 00 
 
Other Checks and Cash Items 7,723 06 Note.s and Bills Rediscounted__ 98,894 05 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances __ 41,250 00 rowed Money ---------------- --------Overdrafts-(if any) ---------- --------- Liability on Letters of Credit, 
 
Other Assets ------------------ --------- and Acceptances ----------- 35,000 00 
 
Reserve for Inteil'est and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$587,802 32 Total ------------------------$587,802 32 
 
 110 
 
BANKING DEPARTMENT 
 
E:X:AMINEB'S BEPOBT. 
PLANTERS & CITIZENS BANK, CAMILLA. 
At Close of Business October 19, 1920. 
President-G. B. Cochran. Vice-President-G. B. Baggs. Cashier-A. J. Pinson. Directors-J. A. Cochran, G. B. Cochran, R. T. Cochran, G. B. Baggs, J. E. Col- 
lins, B. C. Gardner, T. G. Tyson, J. E. Brooks, A. H. Jones, B. H. Jenkins. Date of Gbarter-September 24, 1904. 
 
RESOURCES 
 
LIABILITIES' 
 
Time Loans ------------------$210,690 07 
 
Demand Loans ---------------- 25,322 48 Loans Secured by Real Estate 30,000 00 
 
United States Bonds ---------- 7,800 00 
 
Other Stocks and Bonds ------ --------- 
 
Banking House -------------- 5,647 H 
 
Furniture and Fixtures ------ 4, 715 84 
 
Other Real Estate Owned____ _ Due from Banks in this State 
 
-2o:312-s7 
 
Due from Banks in other States 4,234 69 
 
Currency ---------------------- 8,349 00 Gold --------------------------- 137 50 Silve.r, .Nickels, Pennies ------ 1, 798 44 
 
Advances on Cotton ---------- 1,495 62 Advances on other Commodi- 
 
ties -------------------------- --------Checks for Clearing House __ 3, 706 92 
 
Other Checks and Cash Items__ 6,041 91 
 
Customers Liability an Letters 
 
of Credit and Acceptances __ --------- 
 
Overdrafts-(if any) ---------- --------Other Assets ----------------- 301 03 
 
Capital Stock Paid in --------$ 50,000 00 
Amount Reserved for Branches 
 
Surplus Fund ----------------- 2,087 67 
 
Undivided Profits ------------ 11,060 53 
 
Dividends Unpaid -------------- 
 
53 3~ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ------------------Individual Deposits Subject to 
 
Check -----"----------------- 134,299 26 Demand Certificates of Depos.it Time Certificates of Deposit__ 66,472 12 
 
Savings Deposits -------------- 15,758 22 Trust Funds on Deposit ------ 
 
Cashier's Checks -------------- 1,671 54 Certified Checks -------------- 213 60 Bills Payable ---------------- 41,000 0 Notes and Bills Rediscounted __ 7,500 00 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit, 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 401 22 
 
Total ------------------------$330,517 51 Total ------------------------$330,517 51 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$185,338 02 Demand Loans -~-------------- 22,810 54 Loans Secured by Real Estate 32,228 50 
United States Bonds ---------- 7,800 00 Other Stocks and Bonds ------ --------Banking House -------------- 5,647 14 Furniture and Fixtures ------ 4, 715 84 Other Real Es.tate Owned_____ --------Due from Banks in this State__ 19,416 83 Due from Banks in other States 7,718 01 
Currency ---------------------- 6,57Ii 00 Gold -------------------------- 187 50 Silver, Nickel's, Pennies ____ 4,274 94 Advances on Cotton____________ --------Advances on other Commodities 1,795 93 Checks for Clearing House____ 4,000 00 Other Checks and Cash Items 6,044 10 Customers Liability an Letters 
of Credit and Acceptances __ --------Overdrafts-Of any) ---------- 1,370 42 Other Assets: 
Cash Short -------------------- 310 00 cash Collections ------------- 310 66 
 
Capital Stock Paid in --------$ 50,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- 2,087 67 
 
Undivided Profits ------------- 
 
53 35 
 
Dividends Unpaid -------------- 
 
53 35 
 
Due to Banks in this State __ --------- 
 
Due to Banks in other States --------- 
 
Call Money ------------------- --------Individual Deposits Subjest to 
 
Check ----------------------- 134,579  94 Demand Certificates of Deposit --------Time Certificates of Deposit __ 71,670 18 
 
Savings Deposits ------------- 21,619 40 
 
Trust Funds on Deposit ------ --------Cashier's Checks ------------ 707 42 
 
Certified Checks -------------- --------- 
 
Bills Payable ------------------ 21,000 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit, 
 
and Acceptances ------------ -------Reserve for Interest and Taxes Other Lirubi~ities ------------ --------- 
 
Total ------------------------$310,543 74 Total ------------------------$310,543 74 
 
 FIRST ANNUAL REPORT 
 
111 
 
EXAMDII'EB'S BEPOBT. 
 
FARMERS BANK, CANON. 
 
At Close of Business November 10, 1920. 
 
President-S. E. Va:ndiver. Vi.ce-President-W. P. Turman. Cashier-W. G. Bowen. 
Directors--B. E. Vandiver, w. P. Turman, J. F. Bowers, A. J. Owens, N. J. 
 
RidgwaY, T. H. Moss, W. H. Westmoreland. 
 
Date of Charter-Novembe,r, 1919. 
 
Began Business-January, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$105,953 08 
 
Demand Loans ---------------Loans Secured by Real Estate United States Bonds ---------Other Stocks and Bonds______ 
 
1,770 00 1,575 (){) 
1,550 on 
750 00 
 
Banking House -------------- 3,500 00 Furniture and Fixtures ________ 2,450 00 
 
Other Real Estate Owned ____ --------- 
 
Due from Banks in this State__ --------- 
 
Due from Banks in other States 8,081 29 
 
Currency ---------------------- 1,454 00 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_-_- 
 
210 00 635 81 
 
Advances on Cotton____________ --------Advances on other Commodi- 
 
Chtieecsks--f-o-r---C-l-e-a-r-i-n-g--H--o-u-s-e-_-_-_-_- ---1-4-4---34- 
 
Other Checks and Cash Items 134 15 
 
Customers Liability on Letters 
 
of Credit and Acceptances____ --------- 
 
Overdrafts-Of any) ---------- 357 76 
 
Other Assets ------------------ --------- 
 
Capital S.tock Paid in --------$ 25,000 00 Amount Reserved for Branches 
Surplus Fund -----------------Undivided Profits ------------ 3,380 55 Dividends Unpaid -----------Due to Banks in this State ---Due to Banks in other States Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 28,965 98 Demand Certificates of Deposit Time Certificates. of DeposiL_ 17,783 02 Savings Deposits -------------Trust Funds on Deposit ___ _ 
Cashier's Checks ------------- 1,258 92 Certified Checks -------------- --------Bills Payable ------------------ 6,550 00 Notes and Bills Rediscounted__ 45,626 96 Certificates of Deposit for Bor- 
Liraobwileitdy oMnonLeeytte-r-s--o-f--C--r-e-d-i-t-, and Acceptances ------------ 
Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
Total ------------------------$128,565 43 Total ------------------------$128,565 43 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$ 2,000 00 Capital Stock Paid in --------$ 25,000 00 
 
Demand Loans ---------------- 109,044 02 Amount Rese.rved for Branches 
 
Loans Secured by Real Estate__ United States Bonds ________ Other Stocks and Bonds________ 
Banking House -------------- 
 
3,000 00 1,550 00 
 
Surplus Fund ---------------Undivided Profits ------------ 
 
750 00 Dividends Unpaid -------------- 
 
3,500 00 Due to Banks in this State___ _ 
 
4,101 49 
 
Furniture and Fixtures -------- 2,450 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money -------------------Due from Banks in this State__ 8,177 81 Individual Deposits Subject to 
 
Due from Banks in other States 1,046 02 Check ----------------------- 25,790 89 
 
Curr.ency ---------------------Gold -------------------------- 
 
1,65Z 00 210 00 
 
Demand Certificates of Deposit Time Certificates of Deposit___ _ 
 
14,383 02 
 
Silver, Nickels. Pennies -------- 645 30 Savings Deposits -------------Advances on Cotton____________ --------- T.rust Funds on Deposit_ ____ _ 
 
Advances on other Commodi- 
 
Cashier's Checks -------------- 507 52 
 
ties ------------------------- --------- Certified Checks -------------Checks for Clearing House __ 321 98 Bills Payable ---------------- 3,550 00 Other Checks and Cash Items__ 128 16 Notes and Bills Rediscounted__ 61,374 00 
 
Customers Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ ________ _ rowed Money -------------Overdrafts-Of any) ---------- 230 63 Liability on Letters of Credit, 
 
ather Assets ------------------ ________ _ and Acceptances ------------ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$134,706 92 Total ------------------------$134,706 92 
 
 112 
 
BANKING DEP~RTMENT 
 
EX:Al!I[[NEB'S BEPOB'l'. 
 
THE CANON BANK, CANON. 
 
At Close of Business November 9, 1920. 
 
President-R. H. Bryan. Vice-President-0. B. Menees. Cashier-0. B. Menees. 
 
Directoors-R. H. Bryan, 0. B. Menees, W. M. Menees, J. W. Fowler, J. C. Bowers. 
 
Date of Charter-November, 1905. 
 
Began Business-1905. 
 
RE:SOURCES 
 
LIABILITIES 
 
Time Loans ------------------$114,694 65 
 
Demand Loans ---------------- --------Loans Secured by Real Estate --------- 
 
United States Bonds -------- 9,000 00 Other Stocks and Bonds________ 1,150 00 
 
Banking House -------------- 1,000 00 Furnitur.e and Fixtures________ 1,500 00 
 
Other Real Estate Owned______ 4,000 00 
 
Due from Banks in this State --------Due from Banks in other States 5.097 64 
 
Currency ---------------------- 266 00 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_-_- 
 
19510 !6!O3 
 
Advances on Cotton ---------- 6,416 97 Advances on other Commodi- 
 
ties ------------------------- ________ _ Checks for Clearing House____ 4,998 00 
 
Other Checks and Cash Items__ 421 98 Customers Liability on Letters 
of Credit and Acceptances__ ________ _ 
 
Ove!'drafts-(if any) ---------- --------- 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid In________$ 25,000 00 
Amount Reserved for Branches --------Surplus Fund ---------------- 12,500 00 Undivided Plrofits ------------ 725 95 Dividends Unpaid ------------- --------Due to Banks in this State---- --------Due to Banks in other States --------Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 23,788 17 Demand Certificates of Deposit --------Time Certificates of Deposit -- 9.227 35 
Savings Deposits -------------- --------Cashier's Checks -------------- 156 05 Certified Checks -------------- --------BiJis PaYable ------------------ 49,0UO OU Notes and Bills Rediscounted__ 28,289 35 Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit, 
and Acceptances ------------ ~------- Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$148,686 87 Total ------------------------$148,686 87 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$129,259 83 Capital Stock Paid in__________$ 25.000 00 
 
Demand Loans ---------------- --------- Amount Rese,rved for Branches Loans Secured by Real Estate --------- Surplus Fund ---------------- 12,500 00 
 
United States Bonds -------- 9,000 00 Undivided 'Profits -------------- 1,452 83 
 
Other Stocks and Bonds-Fed- 
 
Dividends Unpaid ------------- 
 
eral Res.erve Bank -------- 1,150 00 Due to Banks in this State ___ _ 
 
Banking House -------------- 1.000 00 Due to Banks in other States Furniture and Fixtures _______ _ 1,500 00 Call Money -------------------Other Real Estate Owned ___ _ 4,000 00 Individual Deposits Subject to 
 
Due from Banks in this State__ 4,564 31 Check ----------------------- 18,305 28 Due from Banks in other States 1.590 44 Demand Certificates of Deposit 
 
Currency ---------------------- 1,836 00 Time Certificates of Deposit_ __ _ 8,847 35 
 
SGiolvlder, -N--ic-k--e-ls-,--P-e-n--n-i-e-s--_-_-_-__-_-_--_ Advances on Cotton__________ _ 
 
36 00 Savings Deposits -----------349 31 Trust Funds on Deposit -----4,927 41 Cashier's Checks -------------- 
 
241 33 
 
Advances on other Commodi- 
 
Certified Checks -------------- 
 
Chtieecsks -f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e---__-_-_- 
 
________ _ 
 
Bills Payable -----------------Notes: and Bills Rediscounted __ 
 
41,500 00 51,608 02 
 
Other Checks and Cash Items__ 241 51 Certificates of Deposit for Bor- 
 
Customers Liability on Letters of Credit and Acceptances__ --------- 
 
Liraobwilie.dty MoonneLyet-t-e-r-s--o--f --C-r-e-d-i-t-, 
 
Overdrafts---(if any) ---------- --------- and Acceptances ------------ 
 
Other Assets ------------------ --------- Reserve for Interest and Taxes 
 
Other LiabilWes -------------- 
 
Total ------------------------$159,4!)4 81 Total -----------------------$159,454 81 
 
 FIRST ANNUAL REPORT 
 
113 
 
EX:Allllm"EB.'S B.EPOB.T. 
 
BANK OF CANTON, CANTON. 
 
At Close of Business July 19, 1920. 
 
President-R. T. Jones. Cashier-Wm. Galt. 
 
Directors-JR. T. Jones, Sam Tate, B. F. Crisler, P. W. Jones, H. C. McAfee, 
 
J. N. Simpson, J. T. Moore, G. B. Johnston, J. E. Johnston, E. A. McCanters, Wm. Galt. 
 
Date of Charter-November 17, 1892. 
 
Began Business-December 22, 1892. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$777,606 03 Capital IS.tock Paid in --------$100,000 00 
 
Demand Loans -------------- __ 31,488 93 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate__ 3,520 03 Surplus Fund ---------------- 50.000 on 
 
United States Bonds ---------- 132,146 00 Other Stocks and Bonds----~- --------- 
 
Undivided Profits ------------Dividends Unpaid ------------- 
 
32,772 42 --------- 
 
Banking House -------------- 2,500 00 Due to Banks in this State____ --------- 
 
Furniture and Fixtures ______ 4,190 00 Due to Banks in other States --------- 
 
Other Real Estate Owned ____ --------- Call Money -------------------- --------Due from Banks in this State 470,887 29 Individual Deposits Subject to 
 
Due from Banks in other States 114,996 05 Check ----------------------1.100,745 08 
 
Currency --------------------- 5,29lr 00 Demand Certificates of Deposit --------- 
 
Gold -------------------------- 
 
5 00 Time Certificates of Deposit__ 209,446 49 
 
Silver, Nickels, Pennies________ 1,000 25 Savings Deposits ------------ 52,935 75 
 
Advances on Cotton __________ --------- Trust Funds on Deposit________ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 1,648 32 
 
Chtieecsks -f-o-r--C--l-e-a-r-i-n-g---H-o--u-s-e-_-_-_- 
 
-_-_-_-_-_-__-_--_ 
 
Certified Checks ------------Bills Payable ------------------ 
 
----------------- 
 
Other Checks and Cash Items__ 3,916 48 Notes and Bills Re-discounted_ --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ ________ _ rowed Money ---------------- --------- 
 
Overdrafts-(if any) ---------- -------- Liabm.ty on Letters of Credit, 
 
Other Assets ------------------ ________ _ and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabi!Uies -------------- --------- 
 
Total ----------------------$1,547,548 06 Total ----------------------$1,547,548 06 
 
BANK'S STATEMElNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$761,170 74 Capital Stock Paid in ________ $100,0<JO 00 
 
LDoeamnasnSdecLuoraendsb-y--R-e-a-l--E-s-t-a-t-e-_-_- 
 
_3_4_,2_9__2__91_! 
 
Amount Rese.rved for Branches Surplus Fund ------------------ 
 
--------50,000 00 
 
United States Bonds ---------- 132,146 00 Other Stocks and Bonds______ ________ _ 
 
Undivided Profits -----------Dividends Unpaid ------------- 
 
29,923 95 --------- 
 
Banking House ---------------- 2.500 00 Due to Banks in this State____ --------- 
 
Furniture and Fixtures. ______ Other Real Estate Owned ____ 
 
4,300 75 ________ _ 
 
Due to Banks in other States Call Money -------------------- 
 
----------------- 
 
Due from Banks in this State__ 304,666 38 Individual Deposits Subject to 
 
Due from Banks In other States Cul1I'ency ---------------------- 
 
69,5f& 7,264 
 
o6"n~ 
 
Check ----------------------- 902,655 85 Demand Certificates of Deposit --------- 
 
SGiolvlder, --N-i-c-k-e-l-s-.--P--e-n-n-i-e-s---__-_-_-_--_ Advances on Cotton _________ _ Advances on other Commodi- 
 
70 00 Time Ce-rtificates of Deposit __ 186,6.14 6P 727 lr4 Savings Deposits ------------- 55,647 94 4,918 76 Trust Funds on Deposit -------- --------- 
Cashie~r's Checks ------------- 2,748 17 
 
ties Checks 
 
-~-o-r- 
 
---------Clearing 
 
----------House____ 
 
Other Checks and Cash Items__ 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ Overdrafts-(if any) __________ 
 
--------3.340 74 2,674 27 
________ _ ________ _ 
 
Certified Checks --------------Bills Payable ----------------Notes and Bills Re-diseounted_ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit, 
 
--------------------------------- 
 
Other Assets ------------------ ________ _ and Aceeptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ----------------------$1,327,590 59 Total ----------------------$1,327,590 59 
 
 114 
 
BANKING DEPARTMENT 
 
EXA:MDI'EB'S BEPOBT. 
 
BANK OF CHEROKEE, CANTON. 
 
At Close of Business July 17, 1920. 
 
President-Gus Coggins. Vice-Ptt-esidents-B. F. Coggins, E. E. Fields. 
 
Cashier-N. A. Thomason. 
 
Directors-Gus Coggins, B. F. Coggins, E. E. Field, N. A. Thomason, Olin 
 
Fincher, James Qual!es. 
 
Date of Ch3!rter-July 5, 1910. 
 
Began Business-July 20, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$227,564 95 Demand Loans ---------------- 17,352 77 Loans Secured by Real Estate 18,695 85 United States Bonds -------- 7,090 lJO Other Stocks and Bonds ______ 3,000 00 
Banking House ---------------- 4,500 00 Furniture and Fixtures ------ 2,800 00 Other Real Estate Owned ____ --------Due from Banks in this State 49,625 78 Due from Banks in other States 19,71ffi 81 
Currency ---------------------- 4,150 00 
Gold -----------1-------------- 100 00 
Silver, Nickels, Pennies ------ 325 88 Advances on Cotton ---------- --------Advances on other Commodi- 
ties ------------------------- --------Checks for Clearing House___ --------- 
Other Checks and Cash Items__ t::m 69 
Customers' Liability on Letters of Credit and AcceptancP-!L_ --------- 
Overdrafts-(!! any) ---------- 3,363 12 Othett- Assets ------------------ 3,332 85 
 
Capital Stock Paid in --------$ 25,000 00 Amount Rese.rved for Branches --------Surplus Fund ------------------ 10,000 00 Undivided Profits -------------- 36,980 99 Dividends Unpaid ------------- --------Due to Banks in this State____ --------Due to Banks in other States --------Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 156,014 95 Demand Certificates of Deposit --------Time Certificates of Deposit __ 119,544 47 Savings Deposits ------------ 13,347 (f5 Cashier's Checks -------------- 913 24 Certified Checks -------------- --------Bills Payable ---------------- --------Notes and Bills Re-discounted_ --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit, 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$361,S8n 70 Total ------------------------$361,880 70 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$209.569 95 
 
Demand Loans ---------------- 33.490 10 Loans Secured by Real Estate 23,105 00 
 
United States Bonds ---------- 7,000 00 Other Stocks and Bonds ______ 3,000 00 
 
Banking HOuse ---------------- 4,50lJ 00 
 
Furniture and Fixtures ------ 2,800 00 
 
Other Real Estate Owned ____ --------- 
Due from Banks in this State 18,844 o2 
 
Due from Banks In other States 9,570 46 
 
Cur.rency ---------------------- 11,9o6 00 
 
SGiolvlder, -N--ic-k--e-ls-,--P-e-n--n-i-e-s--_-_-__-_-_-_-_- 
 
1,04Z020 
 
00 29 
 
Advances on Cotton __________ --------- 
 
Advances on other Commodi- 
 
Chtieecsks --fo--r--C--le-a--ri-n-g---H--o-u-s-e-_-_-_- -_-_-_-__-_-_-_--_ 
 
Other Checks and Cash Items 
 
813 54 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ _ 
 
Overdrafts-(lf any) ---------- 8,854 S6 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in --------$ 50,000 00 Amount Rese.rved for Branches --------Surplus Fund ---------------- 10,000 00 Undivided Profits ------------ 13,&54 98 Dividends Unpaid ------------- ________ _ Due to Banks in this State____ --------Due to Banks in other States --------Call Money ------------------ 10,000 00 Individual Deposits Subject to 
Check ----------------------- 136,101 72 Demand Certificates of Deposit --------Time Certificates of Deposit__ 92,944 49 Savings Deposits ______________ 12,131 35 
Trust Funds on Deposit ______ --------Cashier's Checks ------------- 104 18 Certified Checks -------------- --------Bills Payable ------------------ 10,000 00 Notes and Bills Re-discounted_ --------Certificates of Deposit for Bor- 
rowed M'oney ---------------- ________ _ Liabi!ity on Letters of Credit, 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
Other Liabilities -------------- --------- 
 
Total ------------------------$334,93'6 72 Total ------------------------$334,936 72 
 
 FIRST ANNUAL REPORT 
 
115 
 
]i:XAMDI'EB'S BEPOBT. 
 
THE CARLTON BANK, CARLTON. 
 
At Close of Business September 27, 1920. 
 
President-J. D. Long. Vice-President-0. L. Deadwyler. Cashier-F. D. Smith. 
 
Directors-J. D. Long, 0. L. Deadwyler, J. C. Marlin, J. M. Tiller, Geo. W. Mbore. 
 
Date of Charter-1903. 
 
Began Business-March, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$235,961 5~ Capital Stock Paid in --------$ 25,000 00 
 
Demand Loans ---------------- 21,641 23 Amount Reserved for Branches --------- 
 
Loans Secured by Real E'state 1,471 84 Surplus Fund ---------------- 10,000 00 
 
United States Bonds ---------- 2,650 00 Undivided Profits ------------ 13,691 46 
 
Other Stocks and Bonds ------ 1,000 00 Dividends Unpaid ------------- --------Banking House -------------- 2,405 19 Due to Banks in this State____ --------- 
 
Furniture and Fixtures ------ 4,o61 77 Due to Banks in other States__ 103 86 
Othe.r Real Estate Owned ---- --------- Call Money -------------------- 11,000 oo 
Due from Banks in this State _ 2,290 B Individual Deposits Subject to 
 
Due from Banks in other States --------- Oheck ---------------------- 76,460 25 
 
Currency ---------------------- 1,326 00 Demand Certificates of Deposit --------- 
 
Gold -------------------------- 
 
20 00 Time Certificates of Deposit__ 86,828 62 
 
Silver, Nickels, Pennies -----Advances on other Commodi- 
 
815 17 Savings Deposits -------------- --------Trust Funds on Deposit ------ --------- 
 
ties ------------------------- --------- Cashier's Checks ------------- 598 36 
 
Checks for Clearing House ____ Other Checks and Cash Items 
 
531! 87 1,471 93 
 
Certified Checks -------------Bills Payable ------------------ 
 
--------60,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Re-discounted_ --------- 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts-Of any)___________ 2,611 15 rowed Money -------------- 5,000 00 
 
Other Assets: 
 
Liability on Letters of Credit, 
 
Cash Short -----------------Depositors Gururantee Fund ___ _ 
Witham Bank Fire Fund ---War Savings Stamps -------- 
 
154 90 3,572 58 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
----------------- 
 
12() 00 7!1 15 
 
Other LiabiJ.ities -------------- 
 
--------- 
 
Total ------------------------$282,682 55 Total -------------------~----$282,682 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$219,258 14 Capital Stock Paid in --------$ 25,000 00 
Demand Loans --------------- 3, 750 00 Amount Rese.rved for Branches 
 
Loans Secured by Real Estate__ United States Bonds ---------Other Stocks and Bonds______ 
Banking House -------------Furnitwre and Fixtures -------- 
 
--------2,650 00 1,000 00 
2,405 19 4,561 77 
 
Surplus Fund ---------------Undivided Profits ------------Dividends Unpaid ------------Due to Banks in this State___ _ 
Due to Banks in other States 
 
10,000 00 12,178 60 
 
Other Real Estate Owned ---- --------Due from Banks in this State__ 6,718 26 Due f.rom Banks in other States 6,451 71 
Currency ---------------------- 2,071 00 Gold -------------------------- --------Silver, Nickels, Pennies -------- 492 86 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Ce1rtifieates of Deposit__ Savings Deposits -------------- 
 
56,956 26 79,8R 18 
 
Advances on Cotton ---------- --------- Trust Funds on Deposit ------- 
 
Advances on other Commodi- 
 
Cashier's Checks ------------= 
 
ties ------------------------- --------- Certified Checks -------------- 
 
Checks for Clearing House___ --------- Bills Payable ----------------- 
 
Other Checks and Cash Items 
 
18 51 Notes and Bills Re-discounted_ 
 
Customers' Liability on Letters 
 
Certificates. of Deposit for Bor- 
 
of Credit and Acceptances__ Overdrafts-(if any) ---------- 
 
________ _ 4,118 96 
 
Liraobwileltdy MoonneLyet-t-e-r-s--o--f --C-r-e-d-i-t-, 
 
95 51 50,500 00 
 
Other Asse.ts ------------------ 
 
78 15 and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabil:ities -------------- 
 
Total -----------------------$253,574 55 Total -----------------------$253,574 55 
 
 116 
 
BANKING DEPARTMENT 
 
EXAMDI'EB'S B.EPOB.'r. 
 
PLANTERS BANK, CARLTON. 
 
At Close of Business September 27, 1920. 
 
Presldent-L. H. Eberhwrdt. Vice-Presidents---T. J. Stevens, A. H. Eberhardt. Cashier-J. M. Comer. 
iDirecto~rs---J. M. Comer, T. C. Amerson, E. W. Stevens, J. C. Matthews. 
 
Date of Charter-March 11, 1912. 
 
Began Business~December 11, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loons -------------------$190,3'69 84 
 
Demand Loans ---------------- 12,396 24 Loans Secured by Real Estate 11,487 75 
 
United States Bonds ---------- --------Other Stocks and Bonds ____ 1,000 00 
 
Banking House ---------------- 1,700 00 
 
Furniture and Fixtures ------ 1,590 00 
 
Other Real Estate Owned ____ --------Due from Banks in this State 4,053 99 
 
Due from Banks in other States 594 77 
 
Currency --------------------- 2,903 00 
 
Gold -------------------------Silver, Nickels, Pennies ------ 
 
252 50 525 09 
 
Advances on Cotton ---------- --------Advances on other Commodi- 
 
Chteiecsks -f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e---__-_-_- --2-,4-3-0---24- 
 
Other Checks and Cash Items 
 
84 71 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overd.rafts-(if any) ---------- 2, 774 70 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in --------$ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ---------------- 3,000 00 Undivided Profits ------------ 1,808 72 
 
Dividends Unpaid -------------- 
 
19 20 
 
Due to Banks in this State____ --------- 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 36,765 29 Demand Certificates of Deposit --------Time Certificates of Deposit __ 115,517 58 
 
Savings DeposHs ------------ --------Trust Funds on Deposit ______ --------- 
 
Cashier's Checks -------------- 
 
26 13 
 
Certified Checks -------------- --------Bills Payable ------------------ 45,000 00 Notes and Bills Re-discounted 5,000 00 Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit, 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities: 
 
Cash Long -------------------- 
 
25 91 
 
Total ------------------------$232,162 83 Total ------------------------$232,162 83 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$152,252 39 
 
Demand Loans ---------------- 14,572 43 Loans Secured by Real Estate 12,008 31 
 
United States Bonds ---------Otwr StJocks and Bonds ______ 
 
--------1,000 00 
 
Banking House ------------- 1,700 00 Furniture and Fixtures ------ 1,844 90 Othe.r Real Estate Owned ____ --------- 
 
Due from Banks in this State 13,354 54 
 
Due from Banks in other States 13,61n 10 
 
Currency ---------------------Gold -------------------------Silver, Nickels, Pennies ------ 
 
67 00 252 50 448 20 
 
Advances on Cotton ---------- --------Advances on other Commodi- 
 
ties ------------------------- --------Checks for Clearing House ____ 468 83 
 
Other Cheeks and Cash Items --------Customers' Liability on Letters. 
of Credit and Acceptances__ -------- 
 
Overdrafts-Of any) ---------- 2,039 05 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in --------$ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------- 3,000 00 Undivided P,rofits ------------ 363 43 
 
Dividends Unpaid ------------Due to Banks .in this State___ _ 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Oheck ---------------------- 34,626 24 Demand Certificates of Deposit Time Certificates of Deposit __ 108,142 18 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
Cashier's Checks ------------- 
 
57 40 
 
Certified Checks -------------Bi!lls Payable ---------------- 20,000 00 Notes and Bills Re-discounted 22,500 00 Certificates of Deposit for Bor- 
 
Liraobwileitdy MoonneLyet-t-e-r-s--o--f --C-r-e-d-i-t-, 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabil:ities -------------- 
 
Total -----------------------$213,689 25 Total -----------------------$213,689 25 
 
 FIRST ANNUAL REPORT 
 
117 
 
EXAMUI'EB.'S B.EPOB.'l'. 
 
BANK OF FRANKLIN COUNTY, CARNESVILLE. 
 
At Close of Business August 16, 1920. 
 
President-Dr. B. T. Smith. Vice-President-0. S. Strickland. Cashier-L. F. Lenhardt. 
Directors--Dr. B. T. Smith, 0. S. Strickland, 0. F. Bagwell, T. A. Skelton, J. F. Brown, L. F. Lenhardt. 
 
Date of Charter-March 12, 1906. 
 
Began Business-March 22, 1906. 
 
RESOUJRCES 
 
LIABILITIES 
 
Time IJoans ------------------$113,899 53 Capital t8tock Paid in --------$ 25,000 00 
 
Demand Loans ---------------- 39,901 81 Amount Reserved for Branches 
 
Loans Secured by Real Estate 35,575 19 Surplus Fund ---------------- 5,000 00 
 
United States Bonds -------- 5,000 00 Undivided Profits ------------ 9,464 92 
 
Other Stocks and Bonds______ --------- Dividertds Unpaid -----------Banking House ---------------- 800 00 Due to Banks in this State___ _ 
 
20 00 
 
Furniture and Fixtures ------ 2,222 50 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money -------------------- 
 
Due from Banks in this State__ 13,491 21 Individual Deposits Subject to 
 
Due from Banks in other States 439 10 Checik ---------------------- 82,001 33 
 
Currency ---------------------- 1,192 00 Demand Certificates of Deposit 
 
Gold -------------------------- 102 50 Time Certificates of Deposit_ __ 39,259 15 
 
Silver, .Nickels, Pennies ------ 382 41 Savings Deposits -------------- 
 
Advances on Cotton ---------- --------- Cashier's Checks ------------- 3,077 16 
 
Advances on other Commodi- 
 
Certified Checks -------------- 
 
Chtieecsks -f-o-r--C--le-a--r-in--g-H--o-u-s-e--_-_-_-_- 
 
----20-8---53- 
 
Bills Payable ----------------Notes and Bills Re-discounted_ 
 
50,000 00 
 
Other .Checks and Cash Items 1,793 81 Certificates of Deposit for Bor- 
 
Customers' Liability on Letters of Credit and Acceptances__ --------- 
 
C.roHw.edLMetotenresy -n-o-t--R--e-m--i-tt-e-d--__- 
 
829 59 
 
Overdrafts-Of any) ---------- --------- Reserve for Interest and Taxes 400 00 
 
Other Assets: 
 
Other Liabilities -------------- 
 
Cash Short -------------------- 
 
43 56 
 
Total ----------------------..:-$218,546 61 Total ------------------------$218,546 61 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans--------------------$105,466 75 Capital Stock Paid in ----------$ 25,001) 00 
 
Demand Loans -------------- 20,488 97 Amount Reserved for Branches 
 
Loans Secured by Real Estate 27,311 27 Surplus Fund ---------------- 5,000 00 
 
United States Bonds ---------- 5;000 00 UndiV'ided Profits ------------ 11,008 67 
 
Other Stocks and Bonds______ --------- Dividends Unpaid -------------- 
 
10 00 
 
Banking House -------------- 800 00 Due to Banks in this State___ _ 
 
Furniture and Fixtures ------- 2,222 50 Due to Banks in other States 
 
Othe.r Real Estate Owned ____ 17,0\iO 00 Call Money -------------------- 
 
Due from Banks in this !State__ 15,869 54 Individual Deposits Subject to 
 
Due from Banks in other States 798 33 Check ----------------------- 75,537 15 
 
Currency ---------------------- 1,128 00 Demand Certificates of Deposit 
 
Gold -------------------------Sil.ver, Nickels, Pennies ______ 
 
167 50 Time Certificates of Deposit __ 20.864 25 267 43 Savings Deposits, -------------- 
 
Advances on Cotton ---------- 12,573 16 Trust Funds on Deposit ------ 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 1,760 25 
 
ties ------------------------- --------- Certified Checks -------------- 
 
Checks for Clearing House___ --------- Bills Payable ---------------- 71,500 00 
 
Other Checks and Cash Items 
 
Notes and Bills Re-discounted_ 
 
and County Warrants ------ 4,189 86 Certificates of Deposit for Bor- 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ _ 
 
rowed Money -------------Liability on Letters of Credit, 
 
10,300 00 
 
Overdrafts-Of any) ---------- 3,994 13 and Acceptances ------------ 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Long and Short Account______ 
 
43 56 Other Llabil:ities -------------- 
 
Profit and Loss -------------- 3,659 32 
 
Total -----------------------$220,980 32 Total ------------------------$220,980 32 
 
 'jf!i' 4 i # Q- 
 
t;t . 
 
118 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
THE CARROLLTON BANK, CARROLLTON. 
 
At Close of Business November 16, 1920. 
 
President-C. H. Stewart. Vice-President-H. N. Spence, Oashier-H. N. Spence. 
 
Directors-C. H. Stewart, G. A. Hogan, H. N. Spence, c. E. Roop, J. L. Kaylor, 
 
B. F. Boykin. 
 
Date of Charter-December 26, 1890. 
 
Began Business-February 9, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$789,932 71 Capital !Stock Paid in --------$100,000 00 
 
Demand Loans -------------- 1,910 00 Amount Reserved for Branches 
 
Loans Secured by Real Estate --------- Surpuls Fund ---------------- 50,000 00 
 
United States Bonds ---------- 32,000 00 Undivided Profits ------------ 45,429 57 
 
Other Stocks and Bonds -----BFuarnnkiitnugreHaonudse F-i-x-t-u-r-e-s---__-_-_-_-_Other Real Estate Owned ____ 
Due from Banks ------------ 
 
2,075 00 --6-,6-0-5---41________ _ 
7,945 05 
 
Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States 
Call Money -------------------Individual Deposits Subject to 
 
143 00 
-2~6io-52 --------- 
 
Due from other Banks -------- 1,24"3 57 Check ----------------------- 233,224 54 
 
Cum-ency ---------------------- SlO lJO Demand Certificates of Deposit 
 
27 60 
 
Gold -------------------------- 
 
65 00 Time Certificates of Deposit __ 8,149 22 
 
Silver, Nickels, Pennies -------- 308 69 Savings DepiOsits ------------ 74,778 18 
 
Advances on Cotton ---------- 9,237 79 Trust Funds on Deposit ------ --------- 
 
Advances on other Commodi- 
 
Cashie>r's Checks ------------ 1,562 23 
 
ties ------------------------- --------- Certified Checks --------------- 613 78 
 
Checks for Clearing House ---Other Checks and Cash Items 
 
646 32 4,26~4 17 
 
BiLls Payable ------------------ 344,094 84 Notes and Bills Re-dis.counted_ --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ 
 
rowed Money ---------------- --------- 
 
Overdraft&-(if any) ---------- --------- Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ------------ --------- 
 
Cash Short ------------------ 
 
6 86 Reserve for Interest and Taxes --------- 
 
Collections -------------------- 3,552 48 Other Liabilities ------------ - --------- 
 
Total ------------------------$&60,6lr.l 4f Total ------------------------$860,633 48 
 
. BANK'S STATEMIDNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$747,243 01 Capital Stock Paid in --------$100,000 00 
 
Demand Loans ---------------- --------- Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ---------------- 50,000 00 United States Bonds -------- 7,000 00 Undivided Profits -------------- 43, 7&3 50 Other Stocks and Bonds________ 2,075 00 Dividends Unpaid ------------ 143 00 Banking House --------------- ________ _ Due to Banks in this State____ --------- 
 
Furniture and Fixtures -------- 6,605 41 Due to Banks in other States --------- 
 
Othe.r Real Estate Owned ____ --------Due from Banks in this State _ 28,517 75 
 
Call Money -------------------Individual Deposits Subject to 
 
--------- 
 
Due from Banks in other States Currency ---------------------SGiolvlder, --N-i-c-k-e--ls-,--P--e-n-n--ie-s---_-_-_-_-_-_ 
Advances on Cotton ---------Advances on other Commodi- 
ties ------------------------Checks for Clearing House __ Other Checks and Cash Items Customers' LiabilitY on Lette~s 
 
3,203 18 19,400 00 
58655 0701 2,602 10 
------- __ 4,587 26 
12,033 97 
 
Check ----------------------- 219,056 32 
 
Demand Certificates of Deposit 
 
27 60 
 
Time Certificates of neposiL_ 5,649 22 
 
Savings Deposits -------------- 28,792 74 
 
Trust Funds on Deposit ------ --------- 
 
Cashier's Checks ------------ 1,897 25 
 
Certified Checks -------------- 571 83 
 
Bills Payable ---------------- 384,085 93 
 
Notes and Bills Rediscounted-- --------- 
 
Certificates of Deposit for Bor- 
 
vf Credit and Acceptances__ --------- rowed Money ---------------- --------- 
 
Overdraft&-(if any) ---------- --------- Liability on Letters of Credit, 
 
Other Assets: Due from U. S. Treasury ____ 
 
89 00 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
----------------- 
 
Other LiabiJ:ities -------------- --------- 
 
'11otal ------------------------$8"34,007 39 '11otal ------------------------$834,007 39 
 
 FIRST ANNUAL REPORT 
 
119 
 
EXA:IIIIXNEB'S BEPOB'.r. 
 
THE CITIZENS BANK, CARROLLTON. 
 
At Close of Business November 17, 1920. 
 
P!resident-A. K. Snead. V:ice-President-L. S. Sims. Cashier-Grady Cole. 
 
Directors--A. K. Snead, C. M. Tanner, L. S. Sims, W. W. Heaton, H. w. Flour- 
 
noy, J. R. M. Carter, J. H. Burson. 
 
Date of Charter-January 27, 1906. 
 
Began Business-February 8, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$613,918 86 Capital Stock Paid in --------$ 50,000 00 
 
mf.oiio-oo Demand Loans ---------------- 
Loans Secured by Real Estate 
 
4,000 00 --------- 
 
Asumrvoluunst RFeusnodcve_d__f_o_r__B__r_a_n_c_h_e__s 
 
United States Bonds -------- 35,500 00 Undivided Profits ------------ --------- 
 
Other Stocks and Bonds______ --------- Dividends Unpaid ------------- --------- 
 
Banking House --------------- --------- Due to Banks in this State____ --------- 
 
Furniture and Fixtures ------ 5,000 00 Due to Banks in other States --------- 
 
Othe.r Real Estate Owned ____ --------- Call Money -------------------- --------Due from Banks -------------- 16,598 18 Individual Deposits Subject to 
 
Due from Banks in other States --------- Check ----------------------- 110,260 87 
 
Currency ---------------------- 3,852 00 Demand Certificates of Deposit --------- 
 
Gl<>ld -------------------------- 
 
25 00 Time Certificates of Deposit 3,826 66 
 
Silver, Nickels, Pennies ------ 1,945 00 Savings Deposits -------------- 200,9S5' 04 
 
Advances on Cotton ---------- ________ _ Trust Funds on Deposit________ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks -------------- 2,352 99 
 
ties ------------------------- ________ _ Certified Checks -------------- 
 
1U 00 
 
Checks for Clearing House__ 12,91'1 45 Bills Payable ------------------ 175,000 00 
 
Other Checks and Cash Items 1,541! 70 Notes and Bills Rediscounted__ 126,039 25 
 
Customers' Liability on Letters 
 
Certificates of Deposit fOil' Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------- --------- 
 
Overdrafts--(lf any) ---~------ --------- Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ------------ --------- 
 
Profit and Loss -------------- 422 62 Reserve for Interest and Taxes --------- 
 
Advance Supplies -------------- 3,250 00 Other Liabilities -------------- --------- 
 
Total ------------------------$698,974 81 Total ------------------------$698,974 81 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$599,094 64 Capital Stock Paid in --------$ 50,000 00 
 
Demand Loans ---------------- --------Loans Secured bY Real Estate 4,367 50 
 
Amount Reserved for Branches surplus Fund ---------------- 
 
3-o~iioo-oo 
 
UOnthiteerd SSttoactkess aBnodndBs o-n-d-s-_-_-_-_-_-_- 
 
_3_5_,_5_0_0__00_ 
 
Undivided Profits -----------Dividends Unpaid ------------- 
 
785 75 --------- 
 
Banking House --------------- --------- Due to Banks in this State____ --------- 
 
Furniture and Fixtures ------ 5,000 00 Due to Banks in other States --------- 
 
Other Real Estate Owned ____ --------- Call Money -------------------- --------Due from Banks in this State 2.203 86 Individual Deposits Subject to 
 
Due from Banks in other States Currency ---------------------- 
 
9,4.32 95 9,421 00 
 
DeCmhaenckd C--e-r-ti-f-i-c-a-t-e-s--o-f--D-e--p-o-s-i-t 1_4_0_,2_;3r;9; __98_ 
 
Gold -------------------------- ________ _ Time Certificates of Deposit___ 8uu0 00 
 
Silver, Nickels, Pennies________ 2,702 33 Savings Deposits ------------ 160,223 00 
 
Advances on Cotton ----------- --------- T.rust Funds on Deposit ------ --------- 
 
Advances on' other Commodi- 
 
Cashier's Checks -------------- 2,110 98 
 
Chtieecsks -f-o-r---C-l-e-a-r-i-n-g---H-o--u-s-e---__- 
 
--5-.4-0-6---53- 
 
Certified Checks -------------- --------Billts Payable ------------------ 168,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted __ 124,219 10 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ ________ _ rowed Money ---------------- --------Overdrafts-(!! any) ---------- ________ _ Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ------------ --------- 
 
Advance Supplies ------------ 3,250 00 Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$676,378 81 Total ------------------------$676,378 81 
 
 120 
 
BANKING DEPARTMENT 
 
/.' ------------------------------------------------------- 
 
EXAM'I:NEB'S BEPOBT. 
 
THE PEOPLES BANK, CARROLLTON. 
 
At Close of Business November 18, 1920. 
 
President~G. W. Fleming. Vice-P'resident-H. J. Goodwyn. Cashier-G. C. Cook. 
 
Directors-G. W. Fleming, W. J. Stewart, W. S. Campbell, H. J. Goodwyn, W. 0. Robinson, G. C. Cook, A. J. Baskin. 
 
Date of Charter-November 11, 1909. 
 
Began Business--December 1, 1909. 
 
RESOURCES 
 
LIABLLITIES 
 
Time Loans --------------------$576,489 23 Demand Loans --------------- 26,968 55 Loans Secured by Real Estate --------United States Bonds -------- 23,356 05 Other Stocks and Bonds______ 2,650 00 
Banking House --------------- --------FOuthrneirtuRreeaal nEdsFtaitxetuOrewsn-e-d--_-_-_-_- __6_,6__4_9__80_ 
Due from Banks ------------- 27,717 99 Due from Banks in other States --------Currency --------------------- 5,354 00 Gold -------------------------- 590 00 Silver, Nickels, Pennies ------ 4,017 lll Advances on Cotton ---------- --------Advances on other Commodi- 
ties . ------------------------- ________ _ Che.cks for Clearing House ____ 1,442 67 
Other Checks and Cash Items 120 or 
Customers' Liability on Letters of Credit and Acceptances__ 
Overdrafts-Of any) ---------- --------Other Assets ---------------- --------- 
 
Capital Stock Paid in ----------$ 60,000 00 
 
Amount Reserved for Branches --------- 
 
Sul'])lus Fund ---------------- 27,000 00 
 
Undivided Profits ------------ 6,249 70 
 
Dividends Unpaid ------------- --------Due to Banks in this State____ --------- 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ---------------------- 157,262 33 
 
Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit__ 30,901 97 
 
Savings Deposits ------------- 64,627 82 Trust Funds on Deposit ______ --------- 
 
Cashier's Checks -------------- 648 40 
 
Certified Checks -------------Bills Payable ---------------- 
 
------138,650 
 
-- 
on 
 
Notes and Bills' Rediscounted__ 179,969 69 
 
Certificates of Deposit for Bor- 
 
rowed Money -------------- 10,000 00 Liability on Letters of Credit, 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities: 
 
Cash Long -------------------- 
 
50 51 
 
Total ------------------------$675,3trO 42 Total ------------------------$675,360 42 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$516,109 Demand Loans -------------- 20,725 
 
8nF0 
 
Loans Secured by Real Estate United States Bonds -------'--- 
 
30,616 23,356 
 
5o2r 
 
Other Stocks and Bonds Fed- 
 
eral Reserve System -------- 2,650 or 
 
Banking House --------------- ________ _ 
 
Furniture and Fixtures ______ 6,649 80 
 
Othe,r Real' Estate Owned ____ ________ _ 
 
Due from Banks in this State 19,089 00 
 
Due from Banks in other States 9,452 OP 
 
Currency ---------------------- 1,020 00 
 
SGiolvlder, --N-i-c-k-e-l-s-.--P--e-n-n-i-e-s---__-_-_-_-_- 
 
625 3,152 
 
5o9r 
 
Advances on Cotton ---------- --------Advances on other Commodi- 
 
ties ------------------------- --------Checks for Clearing House___ 1,742 52 
 
Other Checks and Cash Items --------Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts-Of any) ---------- ________ _ 
 
Other Assets ------------------ 2,312 27 
 
Capital Stock Paid In ________ $ 60,000 00 
Amount Reserved for Branches --------Surplus Fund ---------------- 27,000 00 Undivided Profits -------------- 7,31~ 57 Dividends Unpaid ------------- --------Due to Banks in this State____ --------Due to Banks in other States --------Call Money -------------------- --------Individual Deposits Subject to 
Check ---------------------- 147,324 22 Demand Certificates of Deposit --------Time Certificates of Deposit__ 36,160 17 Savings Deposits ------------ 58,515 22 Trust Funds on Deposit ----- --------Cashier's Checks -------------- 1,873 50 Certified Checks -------------- --------- 
Bills Payable ---------------- 148,650 on 
Notes and Bills Rediscounted__ 150,659 53 Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit, 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$637,501 21 Total ------------------------$637,501 21 
 
 FIRST ANNUAL REPORT 
 
121 
 
EXAMINEB'S BEPOB'l'. 
 
BANK OF CARTERSVILLE, CARTERSVILLE. 
 
At Close of Business September 10, 1920. 
 
President-J. W. Knight. Vice-President-J. W. Vaughan. Cashier-C. M. Milam. 
 
Directors-J. W. Knight, J. W. Vaughan, P. C. Flemister, R. B. Harris, J. J. Hill, 
 
H. W. Leak. 
 
Date of Charter-September 11, 1895. 
 
Began Business-September 12, 1895. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$626,645 00 Capital Stock Paid in ----------$100,000 00 Demand Loans -------------- 32,251 23 Amount Reserved for Branches ________ _ Loans Secured by Real Estate 15 393 20 Surplus Fund ---------------- 50,000 00 
 
United States Bonds ---------- 46:946 00 Undivided Profits ------------ 13,932 15 Othe,r Stocks and Bonds______ --------- Dividends Unpaid ------------- --------- 
 
Banking House --------------- --------- Due to Banks in this State __,__ --------Furniture and Fixtures ______ 7,049 91 Due to Banks in other States --------Other Real Estate Owned --~- 11,490 75 Call Money -------------------- --------Due from Banks in this State__ 17,775 37 Individual Deposits Subject to 
 
Due from Banks in other States 19,428 54 Check ----------------------- 340,665 41 
 
Cuvrency ---------------------- 13,936 00 Demand Certificates of Deposit --------- 
 
GSiollvder,--N--i-c-k-e-l-s-, ---P-e-n-n--ie--s--_-_-_-_- 
 
42 50 Time Certificates of DeposH__ 97,523 27 1,674 66 Savings Deposits ------------ 99,586 70 
 
Advances on Cotton ---------- --------- Trust FUnds on Deposit -------- --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 396 75 
 
Chteiecsks -f-o-r--C--l-e-a-r-i-n-g--H--o-u-s-e-_-_-_-_- 
 
--1-,6-1-5---9-9 
 
Certified Checks -------------Bills Payable ------------------ 
 
16 57 85,000 00 
 
Othe,r Checks and Cash Items 9,766 37 Notes and Bills Rediscounted__ 18,951 83 
 
Customers' Liability on Letters 
 
Certificates of Deposit fo:r Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------- --------Overdraft&--(if any) -------- 402 10 Liability on Letters of Credit, 
 
Othe,r Assets ------------------ 1,655 06 and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$806,072 6B Total ------------------------$806,072 68 BANK'S STATEMffiNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABLLITIES 
 
Time Loans ------------------$567,976 87 Capital Stock Paid in ----------$100,000 00 
 
Demand Loans -------------- 30,041 23 Amount Reserved for Branches --------Loans Secured by Real Estate 21,280 61 Surplus Fund ------------------ 50,000 00 United States Bonds __________ 26,100 00 Undivided Proms -------------- 9,948 17 
 
U. S. Certificates -----------Banking House --------------Furniture and Fixtures ______ Other Real Estate Owned ____ 
Due from Banks in this State__ 
 
25,846 00 --------- 
7,3'6"2 41 8,1lm 00 
5,416 17 
 
Dividends Unpaid ------------- --------Due to Banks in this State____ --------Due to Banks in other States --------- 
Call Money -------------------- --------Individual Deposits Subject to 
 
Due from Banks in other States 
Currency ---------------------SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_-_- 
Advances on Cotton ---------Advances on other Commodi- 
 
5,352 79 6,303 00 1,48753 0203 
4,627 10 
 
Check ----------------------- 271,213 92 
 
Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit __ 88,232 37 
 
Savings Deposits -------------- 90,709 15 T,rust Funds on Deposit ______ --------- 
 
Cashier's Checks -------------- 
 
46 62 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e--_-_-_-_- 
 
-1-6-,8-4-8--1-6- 
 
Certified Checks -------------- 3,7~0 27 Bills Payable ------------------ 115,000 00 
 
Other Checks and Cash Items__ --------- Notes and Bills Rediscounted__ --------- 
 
Customers' Liability on Lette,rs 
 
Certificates of Deposit for Bor- 
 
of Credit ,and Acceptances__ Ove:rdrafts-(if any) ---------- 
 
rowed Money ---------------- --------392 89 Liability on Letters of Credit, 
 
Other Assets ------------------ 1,655 06 and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- ________ _ 
 
Total ------------------------$728,890 52 Total ------------------------$728,890 52 
 
 122 
 
BANKING DEPARTMENT 
 
EXAMUrEB'S BEPOBT. 
 
THE BANK OF CASSVILLE, CASSVILLE. 
 
At Close of Business November 23, 1920. 
 
President-J. B. Crawford. Vice-Presidents-G. W. Battle, W. D. Pittard. Cashier-Y. J. Stover. 
Directors-J. B. Crawford, Joe Lipscomb, G. W. Battle, B. C. Sloan, W. B. Quillian, W. D. Pittard, L. C. Crow. 
 
Date of Charter-May 16, 1912. 
 
Began Business-June 3, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 69,376 60 
Demand Loans ---------------- 7,073 22 Loans Secured by Real Estate United IStates Bonds_________ _ Other Stocks and Bonds_______ _ 
 
Banking House --------------Furniture and Fixtures -----Other Real Estate Owned ___ _ Due from Banks______________ 
Due from Banks in other States 
Currency ---------------------SGiolvlder,--N-i-c-k-e-l-s-,--P-e-n-n--ie--s-_-_-__-_-_-_--_Advances on Cotton___________ _ 
 
1, 741 13 1,564 82 
5,123 57 
2,227 00 60 00 721 99 
 
Advances on other Commodi- 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u--s-e-_-__-_--_ Other Checks and Cash Items Customers' LiabilitY on Letters 
of Credit and Acceptances__ 
Overdrafts -------------------Other Assets: 
CDaepsh. SGhuoarrt. -F--u-n-d--_-_-_-__-_-_-_-_-_-_-_-_--_ Mut. Fire Ins. Fund ___________ _ Profit and Loss_______________ _ 
 
147 57 
31 98 8 00 3,115 21i 120 lfO 697 41 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ------------------ 250 00 
 
Undivided Profits ------------Dividends Unpaid ------------Due to Banks in this State___ _ 
 
45 00 
 
Due to Banks in other States 
 
Call Money -------------------- 12,500 00 Individual Deposits Subject to 
 
Check ----------------------- 17,446 31 Demand Certificates of Deposit 
 
Time Certificates of Deposit__ 33,224 35 
 
STarvuisntgFs uDndeps oosnitsDe--p-o-s-i-t_--_-__-_-_-_--_ 
 
Cashier's Checks -------------- 
 
42 88 
 
Certified Checks -------------Bills Payable ------------------ 13,500 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters' of Credit, 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
OtihnetrheLaiabboivliet_ie_s___n_o__t__I_n_c_l_u_d_e_d_ 
 
Total --------------------------$ 92,00"8 54 Total --------------------------$ 92,008 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 62,740 21 
Demand Loans ---------------- 4,350 19 
 
Capital Stock Pa,id In__________$ 15,000 00 Amount Re,served for Blranches --------- 
 
ULnoiatnesd SSetactuersedBobnydsR__e_a_l__E__s_t_a_te_ Othe>r Stocks and Bonds______ _ 
BF uarnnkiitnugr e Haonuds eF i-x- t-u- -r e- -s-_-_-_-__-_-_- -_ Other Real Estate Owned_____ _ 
 
2,543 75 
1,741 13 1,564 82 
 
Surplus Fund ---------------Undivided Profits -------------Dividends Unpaid -----------Due to Banks in this State____ 
Due to Banks in other States Call M,oney -------------------- 
 
250 00 --------- 
15 00 ________ _ 
--------9,501) 00 
 
Due from Banks in this' State 
 
Individual Deposits ,subject to 
 
Due from Banks in Qther States Currency ---------------------SGiolvlder, -N--i-c-k-e-l-s-, --P-e-n-n--ie--s-_-_-_-__-_-_--_ Advances on Cotton___________ _ 
 
6,456 52 1,415 00 
6U 00 
800 73 
 
Check ----------------------Demand Certificates of Deposits Time Certificates of Deposit__ Savings Deposits ______________ Trust Funds on Deposit________ 
 
15,815 84 ________ _ 31,717 54 ----------------- 
 
Advances on other Commodi- 
 
Cashie,r's Checks -------------- 
 
29 80 
 
Chtieecsks--f-o-r--C--l-e-a-r-in--g--H--o-u-s-e--_-__--_ Other Checks and Cash Items__ 
 
Certified Checks -------------- --------Bills Payable ------------------ 13,500 00 132 91 Notes and Bills Rediscounted__ --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances___ _ --------- rowed Money ---------------- --------- 
 
Overdrafts -------------------- 
 
50 Liability on Letters of Credit, 
 
Other Assets not Included 
 
and Acceptances ------------ --------- 
 
DeAplboosviteors--G--u-a-r-a-n-t-e-e--F--u-n-d--_-__--_ Fire Ins. Fund _______________ _ Profit and Loss_______________ _ 
 
Reserve for Interest and Taxes --------3,115 2!i Other Liabilities -------------- --------- 
120 00 787 17 
 
Total -------------------------$ 85,828 18 Total -------------------------$ 85,828 18 
 
 ------------------------ 
 
FIRST ANNUAL REPORT 
 
123 
 
E:XAMUI'EB'S BEPOBT. 
 
BANK OF CAVE SPRING, CAVE SPRING. 
 
At Close of Business Novembe.r 10, 1920. 
 
President-Albert M. Tumlin. Vice-President-B. T. Williams. Cashier-J. F. Hight. 
 
Directors-T. R. Snead, G. C. Fincher, J. C. McGinnis, A. J. Casey, E. N. Ellis, 
 
A. J. Tumlin, A. S. Carr, J. F. Hight. 
 
Date of Charter-October 25, 1905. 
 
Began Business--November 7, 1905. 
 
RESOURCES 
 
LIABtLITIES 
 
Time Loans -------------------$227,179 14 Capital Stock Paid In _________ $ 25,000 00 
 
Demand Loans ---------------Loans Secured by Real Estate United Btates Bonds__________ Other Stocks and Bonds_______ Banking House _______________ 
 
--------19,259 04 
9,496 89 1,500 00 1, 775 80 
 
Amount Reserved for Branches Surplus Fund -~--------------Undivided Profits ------------DDuiveidteondBsanUknspainidth-i-s--S-t-a-t-e-_-_-_-_- 
 
--------- 
25,000 00 3,937 13 
_-_-_-_-_-_-_-_--_ 
 
Furniture and Fixtures________ 2,839 21 Due to Banks in other States --------- 
 
Other Real Estate Owned______ --------- Call Money -------------------- 56,000 00 
 
Due from Approved Reserve 
 
Individual Deposits Subject to 
 
Agents ---------------------Due from Banks in other States 
Currency ---------------------SGiolvlder, -N--i-c-k-e-l-s-,--P-e-n-n--ie--s-_-_-_-_-__-_--_ 
 
_3_4_,_7_0_3__73_ 
7, 720 00 265 00 
1,646 31 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits -------------Trust Funds on Deposit________ 
 
64,913 81 --------62,204 92 ________ _ --------- 
 
Advances on Cotton__________ --------- Cashier's Checks ------------- 733 00 
 
Advances on other Commodi- 
 
Certified Checks -------------- --------- 
 
Chtieecsks--f-o-r--C--l-e-a-r-i-n-g--H--o-u-s-e-_-_-_-_- 
 
_-_-_-_-_-_-_-_--_ 
 
Bills Payable ----------------Notes and Bills Rediscounted__ 
 
34,000 00 35,54"2 30 
 
Other Checks and Cash Items__ 816 32 Certificates of Deposit for Bor- 
 
Customers' Liability on Letters 
 
rowed Money ---------------- --------- 
 
of Credit and Acceptances____ --------- Liability on Letters of Credit, 
 
Overdrafts -------------------Other Assets -----------------Cil!rrent Checks --------------- 
 
.84 07 and Acceptances ------------ --------13 49 Reserve for Interest and Taxes --------9,934 13 Other Liabilitie.s: 
Current Credits --------------- 9,901 97 
 
Total --------------------------$317,233 13 Total --------------------------$317,233 13 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$168,583 72 Capital Stock Paid In _________ $ 25,000 00 
 
Demand Loans ---------------- --------- Amount Reserved for Branches Loans Secured by Real Estate 32,780 80 Surplus Fund ----------------- 25,000 00 United States Bonds__________ 9,496 89 Undivided Profits ------------- 4,176 24 
 
Other Stocks and Bonds______ 1,500 00 Dividends Unpaid ------------Banking House ---------------- 1,775 80 Due to Banks in this State___ _ Furniture and Fixtures________ 2,839 21 Due to Banks in other States 
 
Other Real Estate Owned______ --------- Call Money -------------------- 31,000 00 Due from Banks in this State 17,401 82 Individual Deposits. Subject to 
 
Due from Banks In other States 
Currency ---------------------Gold -------------------------Silver, Nickels, Pennies________ Advances on Cotton____________ 
 
300 81 
2,015 on 
242 fin 423 90 --------- 
 
Check ----------------------Demand Certificates of Deposits 
 
48.,081 79 
s,ooo lro 
 
Time Certificates of Deposit__ 49,311 70 
 
STarvuisntgFs uDndepsoosnitsDe-p--o-s-it-_-_-_-_-_-_-_-_- 
 
Advances on other Commodi- 
 
Cashier's Checks -------------- 
 
56 80 
 
ties -------------------------- --------- Certified Checks -------------Checks for Clearing House____ --------- Bills Payable ------------------ 30,000 00 Other Checks and Cash Items 221 40 Notes and Bills Rediscounted __ 
 
Customers' Liability on Letters of Credit and Acceptances__ 
Overdrafts -------------------Other Assets ------------------ 
 
________ _ 
75 2!' --------- 
 
Certificates of Deposit fur Bor- 
rowed Money ---------------Liability on Letters of C.-edit, 
and Acceptances -----------Rese.rve for Interest and Taxes 
 
Other Liabil.ities -------------- 
 
Total --------------------------$237,657 11 Total --------------------------$237,657 11 
 
 124 
 
BANKING DEPARTMENT 
 
EXAJIIIDI'EB'S BEPOBT. 
 
THE BANK OF CEDARTOWN, CEDARTOWN. 
 
At Close of Business December 4, 1920. 
 
President-A. E. Young. Vice-P:resident-0. Willingham. Cashier-E. C. Benton. 
 
Directors-A. E. Young, A. C. Cobb, E. 0. Godwin, 0. Willingham, C. W. Peek, 
 
W. K. Russell, E. C. Benton, J. S. King, William Waddell. 
 
Date of Charter-October 18, 1901. 
 
Began Busi'ness----.January 5, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$436,381 11 
 
Demand Loans ---------------- 12,751 05 Loans Secured by Real Estate --------United States Bonds---------- 126,450 00 Other Stocks and Bonds______ 1,78'-1 28 
 
Banking House --------------- 6,647 ~2 Furniture and Fixtures________ 7,687 37 
 
Other Real Estate Owned______ 2,424 4r Due from Banks_______________ 4,386 00 
 
Due from Banks in other States --------- 
 
Cunrency ---------------------- 4,736 00 
 
Gold -------------------------- 
 
92 5r 
 
Silver, Nickels, Pennies________ 1,817 19 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodi- 
 
Chtieecsks--f-o-r--C--l-e-a-r-i-n-g--H--o-u-s-e-_-_-_-_- 
 
--------648 49 
 
Other Checks and Cash Items 6,(f6'9 31 
 
Customers' Liability on Letters 
 
of Credit and Acceptances___ --------- 
 
Overdrafts -------------------- 5,603 72 Other Assets: 
 
Polk County Warra)lts -------- 35,370 25 
 
Capital Stock Paid In__________ $ 50,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- 50,000 00 
 
Undivided Profits ------------ 35,289 49 
 
Dividends Unpaid ------------ 
 
8 00 
 
Due to Banks in this State____ --------- 
 
Due to Banks in other States --------- 
 
Individual Deposits Subject to 
 
Check Demand 
 
----------------------Certificates of Deposit 
 
151,778 2,924 
 
:Onfi 
 
Time Certificates of Deposit__ 155,5z-!l 26 
 
Savings Deposits -------------- 16,181 29 Trust Funds on Deposit________ ------ 
 
Cashier's Checks -------------- 2,108-76 
 
Certified Checks -------------Bills Payable ----------------- 
 
1-4-4-,-5-0-0--on- 
 
Notes and Bills Rediscounted__ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit, 
and Acceptances ------------ ________ _ 
 
Bond Depreciation ------------ 4,684 72 Reserve ~or Interest and T'axes --------Other Liabilities: 
 
Cash Long -------------------- 
 
42 81 
 
Customers Bonds -------------- 38,250 00 
 
Total --------------------------$652,841J 09 Total --------------------------$652,849 09 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __________________ $360,7g!!' 76 Capital Stock Paid In__________$ 50,000 00 
 
Demand Loans --------------- 16.066 21 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 68.400 00 United States Bonds__________ 125,650 00 
 
Surplus Fund ----------------Undivided Profits ------------- 
 
50,000 00 36,946 44 
 
Other Stocks and Bonds______ --------- Dividends Unpaid ------------ 
 
8 oo 
 
Banking HOUSe ---------------- 6,647 42 Due to Banks in this State____ 1,020 76 
 
Furniture and Fixtures________ 7,687 37 Due to Banks in other States__ --------- 
 
Other Real Estate Owned______ 2,424 40 Call Money -------------------- --------- 
 
Due from Banks in this State 1,100 94 Individual Deposits Subject to 
 
Due from Banks in other States Ctlll'rency ---------------------- 
 
3,6&& 05 6,47!1 00 
 
DeCmhaencdk C-e-r-t-i-f-ic--a-te-s--o-f--D--e-p-o-s-i-t-s 1_6_1_,_5_5_3__22_ 
 
SGiolvlder-, -N--i-c-k-e-l-s-, --P-e-n-n-i-e-s-_-_-_-_-_-_-_-_- 
 
92 50 Time Certificates of Deposit___ 156,986 70 2,241 43 Savings Deposits -------------- 15,188 19 
 
Advances on Cotton____________ --------- Trust Funds on Deposit________ ________ _ 
 
Advances on other Commodi- 
 
Cashier's Checks -------------- 3,575 78 
 
Chteiecsks--f-o-r--C--e-l-a-r-i-n-g--H--o-u-s-e-_-_-_-_- 
 
--------15,000 00 
 
Certified Checks ____ }_________ --------- 
Bills Payable ________ --------- 124,500 oo 
 
Other Checks and Cash Items 1,927 83 Notes and Bills Rediscounted__ 1,552 50 
 
Customers' Liability on Letters 
 
Certificates of Depos.it for Bor- 
 
of Credit and Acceptances__ ________ _ rowed Money ---------------- --------Overdrafts (if any) ----------- 3,845 31 Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ------------ ________ _ 
 
War Savings Stamps ---------- 905 10 Reserve for Bond Depreciation 4,059 98 
 
:Aolk County Warrants________ 20,401 2fi Other Liabilities: 
 
Bond Deposit Acct____________ 37,950 00 
 
Total --------------------------$643,341 57 Total --------------------------$643,341 57 
 
 FIRST ANNUAL REPORT 
 
125 
 
EXAMINEB.'S BEPOB'l'. 
 
THE COMMERCIAL BANK OF CEDARTOWN, CEDARTOWN. 
 
At Close of Busines December 7, 1920. 
 
President-R. 0. Pitts. Vice-President-A. W. Stubbs. Cashier-E. L. Henderson. 
 
Directors-R. 0. Pitts, J. E. Houseal, A. W. Stubbs, W. K. Holmes, E. L. Henderson. 
 
Date of Charter-October 16, 1889. 
 
Began Business-December 11, 1889. 
 
RESOURCES 
 
LIAB~LITIES 
 
Time Loans -------------------$694,998 81 Capital Stock Paid ln__________ $100,000 00 Demand Loans ---------------- 13,700 00 Amount Reserved for Branches --------Loans Secured by Real Estate --------- Surplus Fund ------------------ 100,000 00 
 
United States Bonds ---------- 30,000 00 Undivided Profits ------------ 135,341 51 
 
Other Stocks and Bonds______ ________ _ Dividends Unpaid -------------- 
 
80 00 
 
Banking House ---------------- 10,000 00 Due to Banks in this State 
 
259 99 
 
Furniture and Fixtures -------- 5,332 00 Due to Banks in other States --------- 
 
Other Real Estate Owned ______ 300 00 Call Money -------------------- --------- 
 
Due from Banks -------------- 141,366 43 Individual DeposHs Subject to 
 
Due from Banks in other States ________ _  Oh.eck ---------------------- 337,511 05 
 
Currency ---------------------- 16,071 00 Demand Certificates of Deposit --------- 
 
Gold -------------------------- 
 
30 00 Time Certificates of Deposit__ 137,107 46 
 
Silver, Nickels, Pennies -------- 4,065 05 Savings Deposits -------------- 99,610 96 
 
Advances on Cotton ---------- --------- Trust Funds on Deposit ------ 16,261 10 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 2,025 84 
 
ties -------------------------- --------- Certified Checks ---------~---- 
 
132 50 
 
Checks for Clearing House ____ Other Checks and Cash Items__ 
 
3,455 36 4,lJ51l 96 
 
NBioltlessPaanydabBleill-s--R--e-d-i-sc--o-u-n-t-e-d-_-_- 
 
-_-_-_-_-__-_-_--_ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances __ 
 
rowed Money ---------------- --------- 
 
Overdrafts-Of any) ---------- 4,937 55 Liability on Letters of Credit, 
 
Other Assets: Revenue Stamps -------------- 
 
133 00 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
--------________ _ 
 
Other Liabilities: 
 
Cash Long -------------------- 116 75 
 
Total ------------------------$928,447 16 Thtal ------------------------$928,447 16 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIAB]LITIES 
 
Time Loans ------------------ --------- Capital Stock Paid in ----------$100,000 00 
 
DLoeamnasndSeLcouraends b--y--R--e-a-l--E--s-t-at-e- _-_-_-_-_-_-_-_--_ United States Bonds ----------$ 30,000 00 Other Stocks and Bonds______ ________ _ Banking House and Furniture 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 100.000 00 
 
Undivided Profits ------------ 134,808 10 
 
Dividends Unpaid -------------- 
 
80 00 
 
Due to Banks In this State ____ 118 49 
 
and Fixtures ---------------- 15,333 00 Due to Banks in other States ________ _ Othe.r Real Estate Owned ___ _ 300 00 Call Money -------------------- ________ _ Due from Banks in this Statf'__ 102,260 85 Individual Deposits Subject to 
 
Due from Banks in other States 
Currency ---------------------SGiol1vder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-__-_--_ Advances on Cotton __________ 
 
41,933 76 
11,526 00 
30 00 __4_,2_6_5___00_ 
 
Che,ck ------------------------ 345,091 24 Demand Certificates of Deposit 135,814 75 Time Certificates of Deposit __ _________ , Savings Deposits -------------- 99,575 97 Trust Funds on Deposit ______ ________ _ 
 
Advances on other Commodi- 
 
Cashier's Checks -------------- 3,177 68 
 
Chtieeesks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e--_-_-_-_- 
 
________________ __ 
 
Certified Checks -------------Bills Payable ------------------ 
 
186 11 ________ _ 
 
Other Checks and Cash Items 9,010 77 Notes and Bills Rediscounted__ --------- 
 
Customers' Liability on Letters of Credit and Acceptances__ 
 
CerrotwifeicdatMesonoefyD_e_p_o__sict__f_o_r__B__o_r_- ________ _ 
 
Overd1rafts-(if any) ---------- 3, 977 36 Liability on Letters of Credit, 
 
Other Assets: 
 
and Acceptances ------------ ________ _ 
 
Revenue Stamps -------------- 
 
168 00 Reserve for Interest and Taxes ________ _ 
 
Othe1r Liabilities -------------- --------- 
 
Total ------------------------$918,852 34 Total ------------------------$918,852 3~ 
 
 126 
 
BANKING DEPARTMENT 
 
E:XAJIIliNEB'S BEPOBT. 
BANK OF CHAMBLEE. CHAMBLEE. 
 
At Close of Business July 20, 1920. 
 
President-S. H. Allen. Vice-Presidents-W. D. Wallace, W. A. Eidson. Cashier-H. A. Morris. 
 
Directors-S. H. Allen, W. D. Wallace. \V. A. Eidson, B. T. Sheffield, J. W. 
 
Walker, C. P. Warnock, \V. L. Quinn, J. L. Wallace, Lenna 
 
Elliott, Ben Clements, W. G. Blanton. 
 
Date of Charter-October 31, 1917. 
 
Began Business-October 31, 1917. 
 
RESOURCES 
 
LIAB]LITIES 
 
Time Loans, Demand Loans, 
 
Loans Secured by Real Estate$ 99,319 92 
 
United States Bonds ---------- 1,301 62 Other Stocks and Bonds _____ _ 500 00 
 
BFuanrnkiitnugreHoaunsde F--i-x-t-u-r-e-s---_-__-_-_--_ 
 
8,000 00 2,964 34 
 
Other Real Estate Owned ___ _ 5,350 00 
 
Due from Banks in this State 4,509 81 
 
Due from Banks in other States 
 
Currency ---------------------Gold -------------------------Silver, Nickels, Pennies -------Advances on Cotton ---------Advances on other Commodi- 
 
4,252 00 2l:ij 00 691 37 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e---__-_--_ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ 
 
10 00 470 19 
 
Overdrafts-(if any) ---------- 
 
Other Assets -----------------Profit and Doss -------------Bills Receivable -------------- 
 
75 44 67 00 
 
Capital Stock Paid In __________ $ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- 4,000 00 
 
Undivided Profits -------------- --------Dividends Unpaid ------------- --------Due to Banks in this State____ --------- 
 
Due to Banks in other States --------- 
 
Call Money -------------------- 11,500 00 Individual Deposits Subject to 
 
Check ------------------------ --------Demand Certificates of Deposits --------Time Certificates of DeposiL .. _ 3,320 15 
 
Savings Deposits -------------- --------- 
 
Cashier's Checks -------------- 
 
88 00 
 
Certified Checks -------------- --------Bills Payable ------------------ 20,000 00 Notes and Bills Rediscounted Certificates of Deposit for Bor- 
 
;rowed Money ---------------- --------Reserve for Interest and Taxes --------Other Liabilities: 
 
Deposit ------------------------ 100 00 
 
Cash Long -------------------- 
 
55 
 
Total ------------------------$ 44,008 70 Total --------------------------$ 44,008 70 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABtLITIES 
 
Time Loans -------------------$ 58,014 80 
Demand Loans ---------------- 500 000 Loans Secured by Real Estate 37,404 81 United States Bonds___________ _ 131 00 Other Stocks and Bonds______ _ 500 00 
 
Banking House. ---------------Furniture and Fixtures_______ _ Other Real Estate Owned___ _ Due from Banks in this State Due from Banks in other States 
Cunrency ---------------------Gold ---------------- _________ _ Silver, Nickels, Pennies_______ _ Advances on Cotton___________ _ 
 
8,000 00 2,964 34 5,300 00 2,311'5 40 
421 oo 
245 00 315 30 
 
Advances on other Commodi- 
 
ties -------------------------Checks for Clearing House ___ _ Other Checks and Cash Items__ Customers' Liability on Letters 
of Credit and Acceptances___ _ 
 
1,522 93 
 
Overdrafts (if any) ----------- 1,981 19 POrtohfeirt aAnsdsetLso: ss_______________ _ 2,604 51 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches --------- 
Surplus Fund ----------------- 4,000 00 Undivided Profits ------------- --------Dividends Unpaid --------------- --------Due to Banks in this State____ ________ _ 
 
Due to Banks in other States .. _ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 38,914 77 Demand Certificates of Deposits ________ _ 
 
Time Ce.rtificates of Deposit__ 4,128 31 
 
TSarvuisntgFsuDndespoosnitsDe-p-o--si-t-_-_-_-_-_-_-_-_- -_-__-_-_-_-_-_--_ 
 
Cashier's Checks -------------- 2,217 20 Certified Checks -------------- ________ _ 
 
Bills Payable -----------------Notes and Bills Rediscounted__ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit, 
 
48,000 00 --------________ _ 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- ________ _ 
 
Total ---------------------------$122,260 28 Total --------------------------$122,2SO 28 
 
 FIRST ANNUAL REPORT 
 
127 
 
E:X:AMilii'EB'S BEPOB'r. 
 
FARMERS & MERCHANTS BANK, CHARING. 
 
At Close of Business July 29, 1920. 
 
President-<L. L. Purvis. Vice-President-R. 0. Rogers. Cashier-A. M. Halley. 
 
Directors-L. L. Purvis, R. 0. Rogers, J. T. GM'rett, S. Garrett, G. B. Stewart, 
 
H. J. Garrett, J. C. Halley, J. M. Perry, H. H. Rogers, B. F. Montgomery. 
 
Date of Charter-September 28, 1912. 
 
Began Business-November 6, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$29,725 94 Capital Stock Paid In _________ $15,000 00 
 
Demand Loans--------------- 1,372 24 Amount Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _________ Other Stocks and Bonds _____ _ 
Banking House -------------Furniture and Fixtures _____ Other Real Estate Owned ____ _ 
 
3,000 00 1,000 00 1,335 82 2,155 96 
 
Surplus Fund -------------~~Undivided Profits ----------Dividends Unpaid-----------Due to Banks in this State __ _ CDaulel MtoonBeaynk_s___in__o__th__e_r__S_t_a_t_es_ 
 
-------3,424 31 
49 00 
 
Due from Banks in this State 5,641 56 Individual Deposits Subject to 
 
Due from Banks in Other 
 
Check --------------------- 19,698 25 
 
States --------------------Currency -------------------GSiollvder,--N-i-c-k-e-l-s-, -P-e--n-n-i-e-s-_-_-_-__-_--_ Advances on Cotton ________ _ 
 
360 62 Demand Certificates of Deposit 207 00 Time Certificates of DeposiL _ 135 00 Savings Deposits _____ ---- ___ _ 
64 78 Cashier's Checks------------Certified Checks _____ -------- 
 
2,6.02 61 37 06 
 
Advances on Other Commodi- 
 
Bills Payable---------------- 5,000 00 
 
Chteiecsks -f-o-r--C-l-e-a-r-i-n-g--H-o-u--se--_-__--_ 
 
Notes and Bills Rediscounted. 30 00 Certificates of Deposit for Bor- 
 
Other Checks and Cash Items __ 170 20 rowed Money -------------- 
 
Customers' Liability on Letters 
 
Liability on Letters of Credit 
 
of Credit and Acceptances __ Overdrafts-(if any) _______ _ 
 
and Acceptances ____ -----Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ________ ----- 
 
Sundry Banks ------------Automobile Account-------- 
 
381 70 230 41 
 
Total ----------------------$45,811 23 Total ----------------------$45,811 23 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$28,284 77 Demand Loans--------------- 2,047 40 Loans Secured by Real Estate United States Bonds --------- 1,000 00 Other Stocks and Bonds ______ _ 
 
Banking House -------------Furniture and Fixtures ______ Other Real Estate Owned ____ _ Due from Banks in this State Due from Banks in other States 
GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_----- -_-__--_ 
 
1,335 82 2,155 96 3,705 14 
451 00 
 
Silver, Nickels, Pennies_______ Advances on Cotton --------Advances on Other Commodi- 
ties-Cotton Seed _________ _ 
Checks for Clearing House. __ _ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances._ Overdrafts-(if any) ________ _ Other Assets _______________ _ 
 
130 18 2,511 85 
955 10 400 00 
3 00 32 54 230 41 
 
Capital Stock Paid Jn _________ $15,000 00 ASumrpoluunst FRuensedrv_e_d__f_o_r__B_r_a_n_c__h_es_ 
 
Undivided Profits-----------Dividends Unpaid _______ ~ __ _ Due to Banks in this State __ _ Due to Banks in other States Call Money _____ --- __ --- __ _ 
 
3,323 33 
 
Individual Deposits Subject to 
 
' Check -------------------- 12,980 42 Demand Certificates of Deposit Time Certificates of DeposiL _ 3,699 61 Savings Deposits -----------Trust Funds on DeposiL---Cashier's Checks ------------ 239 81 Certified Checks.----------Bills Payable _______________ 8,000 00 
 
Notes and Bills Rediscounted CerrotwifiecdateMs oonfeyDe_p_o_s_i_t _f_o_r__B_o_r_- 
 
Liability on Letters of Credit and Acceptances _____ - _--- 
Reserve for Interest and Taxes Other Liabilities ------------ 
 
Total ---------------------$43,243 17 Total ---------------------$43,243 17 
 
 r 
; 
 
128 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
BANK OF CHATSWORTH, CHATSWORTH. 
 
At Close of Business August 31, 1920. 
 
President-A. J. Keith. Vice-P!residents-R. M. Gudger, J. F. Hall. cashier-Horace Dodd. 
Directors-A. J. Keith, R. M. Gudger, J. F. Hall, Horace Dodd, T. H. Keith 
 
J. H. Loughridge. 
 
Date of Charter-August 17, 1907. 
 
Began Business-1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$369,833 28 Capital Stock Paid In _____ $ 15,000 00 
 
Demand Loans ------------- 32,323 90 Amount Reserved for Branches 
 
Loans Secured by Real Estate 30 207 99 Surplus Fund -------------- 
 
United States Bonds -------Other Stocks and Bonds_____ 
 
3;139 00 3,200 00 
 
UDnivdiidveinddeds 
 
UPnropftittids 
 
_- _- _-_-_-_-_-_-_- -_ 
 
14,925 27 
 
Banking House -------------- 2,343 24 Due to Banks in this State_- 1,810 90 
 
Furniture and Fixtures_____ Other Real Estate Owned ___ 
 
3,218 92 95 00 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
22,500 00 
 
Due from Banks in this State 6,466 02 Individual Deposits Subject 
 
Due from Banks in Other States ------------------- 
CGuorl dr e n c_ _y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
4,280 51 DetomaCnhdecCker-t-if-i-c-a-t-e-s--o-f--D--e--- 192,179 26 4,585 00 posit __________ --------- _ 
695 00 Time Certificates of Deposit 197,386 94 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton _________ 
 
675 42 _- ___ - __ _ 
 
Savings Deposits Cashier's Checks 
 
--------------------- 
 
681 93 
 
Adtvieasnce_s__o_n_O__t_h_e_r_C_ _o_m_ _m_o_d_i_-_ Checks for Clearing House__ 
 
________ _ ________ _ 
 
Certified Checks _- _--------Bills Payable -------------Notes and Bills Rediscounted 
 
20,000 00 
 
Other Checks and Cash Items 
 
117 01 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances _______ ----- _- _----- --------- and Acceptances _-------- 
 
Overdrafts-(if any) ______ _ 
 
565 26 Reserve for Interest and Taxes 
 
Other Assets --------------- 3,488 70 Other Liabilities _______ ---- 
 
750 00 
 
Total -------------------$465,234 25 Total -------------------$465,234 25 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$387,951 97 Capital Stock Paid In_------$ 23,666 68 
 
Demand Loans ------------ 42,415 81 Amount Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 
 
United States Bonds ------- 2,539 00 Undivided Profits __ - __ -- _-- 9,943 63 
 
Other Stocks and Bonds ____ 3,200 00 Dividends Unpaid ____ ---- _- 
 
Banking House ------------- 2,343 24 Due to Banks in this State __ 1,163 73 
 
Furniture and Fixtures_____ 3,218 92 Due to Banks in other States 
 
Other Real Estate Owned__ 
 
95 00 Call Money _-- ------------- 53,500 00 
 
Due from Banks in this State 6,066 05 Individual Deposits Subject 
 
Due from Banks in Other 
 
to Check _____ - _--------- 136,495 21 
 
States ------------------Currency -----------------GSiollvder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-__--: -__ 
 
876 75 Demand Certlfica tes of De4,370 00 posit -------------------- 6,500 00 
710 00 Time Certificates of Deposit- 169,481.37 26 23 Savings Deposits _____ - __ - __ 
 
Advances on Cotton _______ _ 15,571 73 Trust Funds on Deposi L---- 
 
Advances on Other Commodi- 
 
Cashier's Checks __ - _------ 8,802 11 
 
ties __ -- ___ -------------Checks for Clearing House __ 
 
--------1,831 68 
 
CBei lrltsi f iPe da yCa hbel ec k s_ _ ________ _-_-_-_-_-_-_- -- 
 
734 56 65,000 00 
 
Other Checks and Cash Items 
 
502 10 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ___ ------- 
 
O va necr de sr a f-t-s---O- -f- - a- -n-y-)- - - - - - - - 
 
Liability on Letters of Credit 293 11 and Acceptances --------- 
 
Other Assets --------------- 3,488 70 Reserveforinterestand Taxes Other Liabilities ----------- 
 
150 00 
 
Total --------------------$475,437 29 Total --------------------$475,437 29 
 
 FIRST ANNUAL REPORT 
 
129 
 
EXAMINEB..S B.EPOB.T. 
 
COHUTTA BANKING COMPANY, CHATSWORTH. 
 
At Close of Business August 30, 1920. 
 
President-C. N. King. Vice-Presidents-J. L. Cole, R. N. Steed. Cashier-T. W. Brooks. 
Directors-C. N. King, R. N. Steed, s. M. Carter, A. R. Evans, A. R. Hufstetler, 
 
J. C. McEnti:re, J. W. Spruell. 
 
Date of Charter-July 17, 1905. 
 
Began Business-January 24, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$132,720 25 Capital Stock Paid In. __ ._.$ 15,000 00 
 
Demand Loans ------------ 15,591 66 Amount Reserved for Branches 
 
Loans Secured by Real Estate 35,277 87 Surplus Fund . _..... _. __ -- _ 3,000 00 
 
United States Bonds ________ 
 
42 50 Undivided Profits _. __ . ___ . _ 2,486 5~ 
 
Other Stocks and Bonds _ __ 2,143 29 Dividends Unpaid ---------- 
 
Banking House -----------Furniture and Fixtures______ Other Real Estate Owned.___ 
 
1,915 31 Due to Banks in this State_- 
 
2,755 15 3, 761 07 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es. 
 
Due from Banks in this State 8,497 05 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check --------------- 70,730 74 
 
States ------------------Currency -----------------S(}ilovledr, N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
4, 767 57 Demand Certificates of De3,176 00 posit------------------- 
152 50 Time Certificates of Deposit 73,577 19 341 23 Savings Deposits ----------- 
 
Advances on Cotton. ______ _ A dtvi easn c e_s__o_n__O_t_h_e_r__C_o_m__m_o_d_ i_-_ 
 
168 53 
 
Cashier's Checks ----------Certified Checks __ -. __ . __ -. _ 
 
________ _ Bills Payable __ .. __ . _.. ___ . 
 
156 32: 87 55 
20,000 00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 28,618 87 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
ances - _--- _--- __ --------Overdrafts-Of any) ------- 
Other Assets --------------- 
 
--------1,571 47 
--------- 
 
Borrowed Money . _.-.-.--Liability on Letters of Credit 
and Acceptances . _-- _.. _- 
Reserve for Interest and Taxes Other Liabilities __ . _------. 
 
22 00 
 
Total --------------------$213,679 25 Total --------------------$213,679 25 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$130,322 36 Capital Stock Paid In_. ____ .$ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
2,887 74 38,254 40 
 
Amount Reserved for Branches Sui'plus Fund ___________ .. _ 
 
3,000 00 
 
United States Bonds________ 
 
42 50 Undivided Profits - .... _.. _. 2,634 56 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid .. _.- __ . __ 
 
Banking House __ .. _. __ ... _ 1, 915 31 Due to Banks in this State 
 
Furniture and Fixtures._... Other Real Estate Owned .. _ 
 
2,865 15 3,636 07 
 
CDaulel tMo oBnaenyks__i_n__o.t_h_e_r__S_t.a_te. s_ 
 
Due from Banks in this State 2,428 03 Individual Deposits Subject 
 
Due from Banks in Other States _____ .. __ .. _______ _ 
CGuolrdrenc__y - __--.-. -_-__--. -__--. -_-_-.-.-_-__--_ 
 
to Check ----------------- 55,832 22 
 
2,895 3,520 
 
0460 
 
Depmosaintd _ .C_e_r.t.if_i_c_a_te.s. __o__f __D_ _e- 
 
132 50 Time Certificates of Deposit 54,116 46 
 
Silver, Nickels. Pennies .. _._ 
 
310 74 Savings Deposits ---------- 
 
Advances on Cotton_._. __ ._ 
 
168 53 Trust Funds on Deposit. __ _ 
 
Adtvieasnce_s__o_n__O_t_h_e_r__C_o_m_ .m_o__d_i-. 
 
_. ___ . __ . 
 
Cashier's Checks ----------Certified Checks . - .. - _.. --. 
 
113 39 271 39 
 
Checks for Clearing House._ __. _____ _ Bills Payable __ .. -. _-.-.- _. 20.000 00 
 
Other Checks and Cash Items 
 
636 83 Notes and Bills Rediscounted 43,949 35 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money---------- 
 
ances __ - _- __ - - _- __ - - --- - - -- - - -- - - - Liability on Letters of Credit 
 
Overdrafts- (if any) _. ____ _ 2,701 99 and Acceptances _.. __ .- _- 
 
 Other Assets --------------- 
 
2,143 29 Reserve forlnterestand Taxes 56 47 Other Liabilities _. _.-- __ .--- 
 
Total --------------------$194,917 37 Total --------------------$194,917 37 
 
 130 
 
BANJ\:lNG DEPARTMENT 
 
EXAMINER'S BEPOBT. 
BANK OF CHAUNCY, CHAUNCY. 
 
At Close of Business August 2, 1920. 
 
President-J. J. Caldwell. Vice-President-B. N. Bussey. Cashier-M. Williams. Directors-J. J. Caldwell, B. N. Bussey, M. Williams, W. B. Bussey, 0. F. Collum. 
 
Date of Charter-October 11, 1905. 
 
Began Business-November, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$129,937 96 Capital Stock Paid In... $ 25,000 00 
 
DLoeamnasndSeLcouarends b-y--R-e-a-l--E-s-t-a-t-e 
 
_1_3_,2_3_4___36_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
United States Bonds ------- 4,300 00 Undivided Profits----------Other Stocks and Bonds_____ 6,500 00 Dividends Unpaid _. ____ . __  
 
Banking House ------------ 3;931 76 Due to Banks in this State 
 
Furniture and Fixtures._._._ Other Real Estate Owned___ 
 
3,679 12 1,361 98 
 
CDaulel tMo oBnaeynks_.i_n__o_t_h_e_r__S_t.a_t_es 
 
50,000 00 
 
Due from Banks in this State 4,812 03 Individual Deposits Subject 
 
Due from Banks in Other States ------------------- 
CG oulrdr e n c_y_ _ _-_-_-_-_-_-_-_-_-_-_ -_ -_ -_ _- _- _- _- -_ 
 
3,493 59 DetomaCnhdeckCe-r-t-if-i-c-a-te-s---o-f---D--e- 41,895 13 1,959 00 posit  __ -- _-- _-. _____ -- _. 9,000 00 
30 00 Time Certificates of Deposit 30,431 71 
 
Silver, Nickels; Pennies. ___ _ 
 
808 86 Savings Deposits ----------- 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 
 
248 44 
 
Chteiceks s -fo--r--C-l-e-a-r-in--g--H--o-u-s-e-.-. 
 
- -_-__-_-_---_-_ 
 
Certified Checks . __ . __ . _. _Bills Payable -------------- 
 
10,000 00 
 
Other Checks and Cash Items 1,649 00 Notes and Bills Hediscounted 
 
Customers' Liabllity on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money .. _- .... 
 
ances _____ . _. _. __ . _. __  _ ____ . ___  Liability on Letters of Credit 
 
Overdrafts- (if any)  ____  _ 1,27 3 40 and Acceptances _____ . __  
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Cash Short --------------- 
 
7 50 Other Liabilities------------ 
 
Depositors Guarantee Fund 3,469 00 
 
Mutual Fire Ins. Fund __ ._ 
 
120 00 
 
Total --------------------$180,567 56 Total --------------------$180,567 56 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______  _. ______ $ 96,557 44 Capital Stock Paid In ....... $ 25,000 00 
 
Demand Loans ------------- 7,850 86 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 27,342.51 Surplus Fund -------------United States Bonds ______ ._ 4,300 00 Undivided Profits _________ _ 
 
Other Stocks and Bonds ..... 6,500 00 Dividends Unpaid ___ . _____ _ 
 
Banking House ------------ 3,931 76 Due to Banks in this State Furniture and Fixtures. ___ _ 3,679 12 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 1,361 98 Call Money ---------------- 49,000 00 
 
Due from Banks in this State 4,148 67 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
GCoulrdrenc_y____-_-_-_--.-. -_-_-_-_-_-_-_-_-__-_--_ 
 
to Check ----------------- 34,082 29 2,155 56 Demand Certificates of De- 
464 oo posit -------------------- 9,500 00 35 00 Time Certificates of Deposit. 21,208 38 
 
Silver, Nickels, Pennies. __ __ 
 
627 51 Savings Deposits ----------- 
 
Advances on Cotton ___  _. __ 9,774 47 Trust Funds on Deposit. ... 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C__om_m__o_d_i_- 
 
CCearsthifiieerd's CChheecckkss . _-_-_-_-_-_-_-_-_-_--_ 
 
815 53 
 
Checks for Clearing House._ Other Checks and Cash Items 
 
239 52 Bills Payable _____________ _ 17 ,500' 00 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
ances -------------------Overdrafts-(lf any) ------Other Assets: 
Collection Farmers & Mer- 
 
Certificates of Deposit for Borrowed Money ___  ___ _ 
_________ Liability on Letters of Credit __ __ ____ _ and Acceptances ________ _ 
 Reserveforinterestand Taxes Other Liabilities __  ________ _ 
 
chants Bank, Eastman, Ga. 
 
600 00 
 
Total --------------------$169,568 40 Total --------------------$169,568 40 
 
-- ' 
 
 FIRST ANNUAL REPORT 
 
131 
 
EXAllllllii'EB'S BEPOBT. 
 
CHESTER BANKING COMPANY, CHESTER. 
 
At Close of Business July 19, 1920. 
 
President-D. A. Burch. Vice-Presidents-J. F. Fordham, J. N. Rowland. 
 
Cashier-F. M. Burch. 
 
Directors-D. A. Burch, J. F. Fordham, J. N. Rowland, P. M. Burch, J. R. Hinson, Guy D. Jacl<son, J. A. Witherington. 
 
Date of Charter-March 26, 1909. 
 
Began Business-April 1, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 82,968 49 Capital Stock Paid In _______ $ 22,800 00 
 
Demand Loans ------------- 
 
693 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 
 
United States Bonds-------- 
 
876 74 Undivided Profits ---------- 
 
Other Stocks and Bonds ___ _ Banking House ___________ _ 
 
--------3,500 00 
 
Dividends Unpaid Due to Banks in 
 
---------this State 
 
2,746 73 
 
Furniture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
__2_, 7_5_8__0_3_ 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 12,152 61 Individual Deposits Subject 
 
Due from Banks in other St~tes ------------------- 
GCoulrdr e n c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ 
 
2,490 65 3,764 00 
35 00 426 24 
--------- 
 
DetomaCnhdecCk e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 
T ipmoes i tC e-r t-i-f-i c-a-t-e-s- -o-f- - -D-e-p-o- s-i-t Savings Deposits ----------Trust Funds on Deposit_ __ _ 
 
38,836 79 17,013 54 
 
Advances on other CommodiChteiecks s -fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ 
 
- ________ CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ --------- Bills Payable -------------- 
 
79 65 30,000 00 
 
Other Checks and Cash Items 
 
944 69 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
O vaenrcdersa f t-s- -(-i-f -a-n- y- -) - -_-_-_-_ _-_-_-_- -_ 
 
_________ _________ 
 
Liability on Letters of Credit and Accentances ________ _ 
 
Other Assets ______________ _ 
 
867 26 Reserveforlnterestand Taxes 
 
other Liabilities------------ 
 
Total --------------------$111,476 71 Total --------------------$111,476 71 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 74,372 77 Capital Stock Paid In ______ $ 22,800 00 
 
Demand Loans ------------- 6,172 50 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ___ -- __ _ 
 
15,141 24 TSTunrpdilvuisdedFuPnrdof-it-s---_-_-_-__-_-_-_-_--_ 
 
2,352 49 
 
Other Stocks and Bonds ___ _ 
 
Dividends Unpaid _- ____ - __ _ 
 
Banking House ___________ _ 3,500 00 Due to Banks in this State 
 
Furniture and Fixtures_- __ Other Real E:;;tate Owned __ _ 
 
2,848 03 CDaulel tMo oBneaynks_~i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 2,342 45 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--ic-k-e-l-R-,--P-e--n-n-ie--s_--- -__--_ Advances on Cotton _______ _ 
 
212 858 
 
0809 
 
DetpomosaCinthdec_Ck_e_r_-t_-i_-fi_-c_-a_-t_-e_-s_-_-_o-_-f_-_-D_-_-e-_- 
 
75 00 Time Certificates of Deposit 
 
23fi 07 Savings Denosits ----------- 
 
493 34 Trust 'Punds on Deposit ___ _ 
 
26,465 54 19,243 07 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 
 
671 73 
 
Chteiceks s -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
 
t:ertified Ch<>cks -----------Bills PavahlP ------------- 35.000 00 
 
Other Checks and Cash Items 
 
281 54 "Totes Rnd Bill Redis<:"ounted 
 
Customers' Li8bility on Letters of Credit and Accept- 
 
Certific>Pt~~ ni" Deposit for Borro,ved Monev ________ _ 
 
ances -------------------Overdrafts (if any) --------Other Assets ______ - ___ -- __ _ 
 
Liahilitv on Letters of Credit anrl AC'cPntanceR --------- 
RP~PrvP Tor TntPreRt and TaxeR 
 
Other Liahiliti<>s _______ -- __ - 
 
Total ____________________ $1 06,532 83 Total --------------------$106,532 83 
 
 132 
 
BAKKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF CIDCKAMAUGA, CHICKAMAUGA. 
 
At Close of Business October 4, 1920. 
 
President-D. A. Jewell. Vice-President-T. W. Lee. Cashier-C. Dunaway. 
 
Directors-D. A. Jewell, T. W. Lee, Lee Bird, W. E. Davis, S. P. Hall, Gordon 
 
Lee, J. A. Shields. 
 
Date of Charter-FebruarY 10, 1910. 
 
Began Business-May 2, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$232,969 88 Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches --------Loans Secured by Real Estate 35,033 08 Surplus Fund ------------- 14,200 00 United States Bonds_________ 5,000 00 Undivided Profits ---------- 3,481 00 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- --------- 
 
Banking House ------------ 2,922 42 Due to Banks in this State .. --------Furniture and Fixtures_____ 1,738 08 Due to Banks in other States --------- 
 
Other Real Estate Owned___ _________ Call Money ---------------- --------- 
 
Due from Banks in this State 
 
Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 182,640 12 
 
States ------------------- 28,454 33 Demand Certificates of De- 
 
Currency -----------------Gold ---------------------- 
 
5,531 105 
 
0o0o 
 
posit -------------------Time Certificates of Deposit- 
 
--------6,127 93 
 
Silver, Nickels, Pennies____ 1,240 00 Savings Deposits --------- 92,561 22 
 
Advances on Cotton _________ --------- Trust Funds on Deposit- ___ --------- 
 
Advances on other Commodities _____________________ 
 
_ ________ 
 
I 
 
Cashier's Certified 
 
Checks Checks 
 
---------------------- 
 
173 50 ------- _- 
 
Checks for Clearing House ___ --------- Bills Payable -------------- --------Other Checks and Cash Items 1,181 07 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts-(if any) ------- 
 
8 91 and Acceptances --------- --------- 
 
Other Assets ______________ - _------- -~ ~~~~~vU~;iim~~e~~ ~~~- -~~~~~ ========= 
 
Total --------------------$314,183 77! Total --------------------$314,183 77 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n-s- - -_-_-_- -_-_-_-_-_-_-_- -_$_ _2 2_7_, _3_3_9___89_ 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
15,000 
 
00 
 
Loans Secured hy Rea.! Estate United States Bonds ________ 
 
________ _ --------- 
 
USunrdpivluids edFuPnrdofit-s---_-_-_-_-_-_-_-__--_ 
 
14,200 00 4,332 11 
 
Other Stocks and Bonds ____________ _ Dividends Unpaid _.. ___ . __ _ 
 
Banking House ------------ 2,922 42 Due to Banks in this State __ Furniture and Fixtures.____ 1, 738 08 Due to Banks in other States Other Real Estate Owned ___ --------- Call Money ___ . ___ . _. __ - __ _ 
 
Due from Banks in this State --------- Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--ic-k-e-l-R-,--P--e-n-n-i-e-s-. -_-__--_ Advances on Cotton_________ 
 
33,774 67 
10,693 00 905 00 625 51 
________ _ 
 
DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 161,499 23 
TipmoesitCer-t-if-i-c-a-t-e-s--o-f-D--e-p-o-s-i-t-. 4,971 73 Savings Deposits ----------- 82,833 27 Trust Funds on Deposit- __ . 
 
Adtvieasnce_ _o_n___o_t_h_e_r__C_o_m__m__o_d_i_- 
 
________ _ 
 
Cashier's Checks ----------Certified Checks . ___ --. _- .. - 
 
304 57 
 
Checks for Clearing House___ ________ _ Bills Payable -------------- 
 
Other Checks and Cash Items 
 
142 34 :\'"otes and Bills Rediscounted 
 
Customers' Liabilitv on Let- 
 
Certificate" of Deposit for 
 
ters of Credit an'd Accept- 
 
Borrowed Money __ --- _---- 
 
ances ------------------Overdrafts (if any) -------- 
 
----------------- 
 
Liability on Letters of Credit and Acceptances ________ - 
 
Other Assets: 
 
ReRerve for Interest and Taxes 
 
U. S. Liberty Bonds _______ _ 5,000 00 Other Liabilities ----------- 
 
TotaL ____________________ $283,140 911 Total ____________________ .$283,140 91 
 
 FIRST ANNUAL REPORT 
 
133 
 
EXAMI:NEB'S BEPOBT. 
 
BANK OF CHIPLEY, CHIPLEY. 
At Close of Business July 7, 1920. 
President-Tom Wisdom. Vice-President-C. T. Hill. Cashier-W. B. Wisdom. Directors-Tom Wisdom, C. T. Hill, N. B. Boddie, M. L. Glenn, J. R. Murrae, 
J. P. Williams, W. D. Wisdom. Date of Charter-December 3, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$159,273 50 Capital Stock Paid In ______ -$ 25,000 00 
 
DLoeamnasndSeLcouarends b-y--R-e-a-l-E--s-t-a-teUnited States Bonds ________ Other Stocks and Bonds-____ 
 
_1_3_,4_8__7__69_ 11,250 00 ________ _ 
 
Amt. Reserved for Branches Surplus Fund -------------UDnivdiidveinddeds UPTrIopafiidts_-_-_-_-_-_-_----_-_-_ 
 
15,000 00 17,610 48 
8 00 
 
Banking House ------------- 2,465 15 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
3,440 27 --------- 
 
CDaulel tMo oBneaynks__i_n__o-t_h_e_r- _S_t_a_t_es_ 
 
20,000 00 
 
Due from Banks in this State 6,987 04 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-__- -_ 
 
12,651 52 2,62ii 00 115 00 
897 24 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s~o--f -D-e--p-o-sit Time Certificates of Deposit_ Savings Deposits ___ -- _-- _-Cashier's Checks - __ -- __ - __ - 
 
Advances on Cotton _________ --------- Certified Checks _____ - _____ - 
 
A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m__m__o_d_i_- 
 
Bills Payable _____________ _ ________ _ Notes and Bills Rediscounted 
 
Checks for Clearing House___ ________ _ Certificates of Deposit for 
 
60,3R3 80 9.000 00 
52,793 24 17,257 9S 
761 61 
 
Other Checks and Cash Items ________ _ Borrowed Money __ - _-- __ - 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
ances ------------------Overdrafts (if any) -------- 
 
Reserve for Interest and Taxes 1,613 76 Other Liabilities __________ _ 
 
Other Assets: 
 
Depositors' Guarantee Fund_ 3,416 00 
 
Fire 
 
Insurance 
 
Fu 
 
nd 
 
_______ 
 
_ 
- 
 
- 
 
-13-0 
 
0-0 
 
Total---------------------$217,815 11 Total---------------------$217,815 11 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$180,511 2R Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ----- __ - _____ 20,771 25 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund _____________ _ 15,000 00 
 
United States Bonds________ 
 
200 00 Undivided Profits __________ _ 13,887 27 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid----------- 
 
8 00 
 
Banking House ------------- 2.465 15 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 3,440 27 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 16,000 00 
 
Due from Banks in this State 17,886 47 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check __________________ _ 51.902 01 
 
States ------------------- 6,n5 83 DemandCertificatesofDeposit 9.000 00 
 
Currency ------------------ 4,228 00 'rime Certificates of Deposit_ 44,195 83 
 
Gold ----------------------- 
 
170 00 Savings Deposits ----------- 14,889 20 
 
Silver, Nickels, Pennies ____ ~ 1,056 71 '!'rust Funds on DeposiL __ _ 
 
Advances on Cotton _________ --------- Cashier',; Checks ----------- 
 
742 37 
 
Adtvieasnce_s__o_n- _o_ t-h-e_r__C- o__m-m__o_di-___________ CBeilrltsifiPedayCabhleeck_s__-_-_-_-_-_-_-_-_-_-_--_ 40,500 00 
 
Checks for Clearing- Hou"e- _ _________ Votes and Bills Rediscounted 10,000 00 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' LiAbility on J,et- 
 
Borrowed Money _____ - __ _ 
 
ters of Credit and Accept- 
 
Liabilitv on Letters of Credit 
 
ances _-- __ -- ___ --------- --------- and Acceptances _- __ -- __ - 
 
Overdrafts (if any) ---- _--- _ 
 
113 72 Reserve for Interest and Taxes 
 
Other Assets: Mutual Fire Insurance ______ _ 
 
Other Liabilities - ___ ------130 00 
 
Depositors' Guarantee Fund_ 3,416 00 
 
Total---------------------$241,124 68 
 
TotaL ___________________ -~241,124 68 
 
 134 
 
BANKING DEPARTMENT 
 
EXAliiiNEB/S B.EPOB.T. 
 
FARMERS & MERCHANTS BANK, CHIPLEY. 
 
At Close of Business November 13, 1920. 
 
President-H. C. Kimbrough. Vice-President-John N. White. 
 
Cashier-Roy Askew. 
 
Directors-J. H. Hogan, C. C. Jenkins, A. H, Hopkins, N. H. Crawford, J. W. 
 
Bryant, J. W. Blackman, J. W. Swint, H. A. Middlebrooks. 
 
Date of Charter-March 22, 1909. 
 
Began Business-April 19, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$237,684 92 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans --------- _- __ 10,882 92 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund _____________ _ 15,000 00 
 
United States Bonds ________ --------- Undivided Profits ----------- 5,630 93 
 
Other Stocks and Bonds_____ 1,200 00 Dividends Unpaid __________ _ 
 
95 00 
 
Banking House ------------ 2,548 81 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 3,500 00 Due to Banks in other States 
 
Other Real Estate Owned____ 1,500 00 Call Money ----------------- 
 
Due from Approved Reserve 
 
Individual Deposits Subject to 
 
Agents ------------------ 14,548 65 Check ------------------- 69,396 24 Currency ------------------ 44,000 00 Demand Certificates of De- 
 
Gold----------------------Silver, Nickels, Pennies_____ 
Due from other Banks------Advances on Cotton_________ Advances on other Commodi- 
 
182 50 posit -------------------872 25 Time Certificates of Deposit. 
100 00 Savings Deposits ----------_________ Trust Funds on Deposit. __ _ 
Cashier's Checks __________ _ 
 
57,118 85 11,873 56 
256 31 
 
Chteiecsks -fo-r---C-l-ea-r-i-n-g----H-o--u-s-e-._- 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances _-- _____ - ___ - ______ 
 
32446 
 
00 98 
 
14 44 
 
_________ 
 
CBei lrltsi f iPe da yCa bhl ee c k_ _s_-_-_-_-_-_-_-_-_-_-_- -_ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _____ - __ _ Liability on Letters of Credit 
 
25.000 00 68,394 71 
 
Overdrafts (if any) --------- 
 
35 29 and Acceptances --------- 
 
Other Assets _______________ _________ Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
75 16 
 
Total--------------------$277,840 76 Total---------------------$277,840 76 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$214,668 57 Capital Stock Paid In _______ $ 25,000 00 Demand Loans _____________ 9,917 38 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ Other Stocks and Bonds_____ Banking House -----------Furniture and Fixtures~____ 
 
22,671 47 --------- 
1,200 00 2,548 81 3,500 00 
 
Surplus Fund -------------Undivided Profit:> ---------Dividends Unpaid _- _______ _ Due to Banks in this State __ Due to Banks In other States 
 
15,000 00 3,690 79 
2,095 00 
 
Other Real Estate Owned____ 1,500 00 Call Money----------------Due from Banks in this State 24,690 81 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
Check -------------------- 79,435 41 669 73 Demand Certificates of De- 
 
GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 7,322117 0000 TipmoesiCt er-t-if-i-c-a-t-e-s --o-f--D-e-p-o--s-it-. 
 
Silver. NickelR, Pennies_____ 1,016 84 Savings D~posits __________ _ 
 
Advances on Cotton _________ --------- 'l'rust Funds on Deposit. ___ _ 
 
Advances on other Commodi- 
 
Cashier's Checks __________ _ 
 
ties ___ - __________ - ____ __ _________ Certified Checks - __ - ___ --- _- 
 
58.5~5 85 12,621 85 
247 52 
 
Checks for Clearin!l' Hou~e .. --------- Rills Payable--------------- 
 
Other Checks and Cash Items 
 
Notes and Bills R~ediscounted 
 
Customers' Li~hilitv on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money -- __ -- __ - 
 
20.000 00 73,321 19 
 
ances -------------------- 6,500 00 Liability on Letters of Credit 
 
Overdrafts (if any) -------- 
 
25 53 and Accentances --------- 
 
Other Assets _______________ _________ Reserve for Interest and Taxes 
 
6,500 00 
 
Other Liabilities __ - ___ -- __ - 
 
TotaL ___________________ .$296,447 64 Total ____________________ .$296,447 64 
 
 FIRST ANNUAL REPORT 
 
13.j 
 
EXAJilllii"EB.'S B.EPOB.T. 
HABERSHAM BANK, CLARKESVILLE. 
At Close of Business November 1, 1920. 
President-J. K. Burns. Vice-Presidents-J. A. Robertson, J. B. Jackson. Cashier-F. M. Reeves. 
Directors-J. K. Burns, J. B. Jackson, I. H. Sutton, J. S. Robertson, F. M. Reeves, Robt. McMillan. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$280,434 07 Capital Stock Paid In. _____ .$ 25,000 00 
 
DLoemanasnSdecLuoraendsby---R-e-a-l-E--s-t-a-te- _1_3_,_0_2_2__45_ ASumrtp.luRs eFseurnvded __fo__r__B_r_a_n_c_h__es_ 10,000 00 
 
Other Stocks and Bonds ___ _ Banking House ____________ _ 
 
Undivided Profits __ - ___ - ___ _ 4,073 30 Dividends Unpaid _________ _ 
 
3,006 08 
 
Furniture and Fixtures ____ _ 2,163 87 Due -to Banks in this State._ 
 
Other Real Estate Owned ___ _ Due from Banks ----------- 
 
800 55,827 
 
02 0 6 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
DueStaftreosm __B__a_n_k_s___in___o_ _th_e_r_ CG uo lrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies. ___ _ 
 
________ _ 
9,788 00 175 00 701 17 
 
Individual Deposits Subject to 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f--D-e-p-o--si-t 
 
141,179 3,262 
 
Time Certificates of Deposit_ 187,241 Savings Deposits __________ _ 
 
74 
50 77 
 
Adtiveasnce_s__o_n__o_t_h_e_r__C_o_m__m__o_di-__________ _ 
 
Trust Funds on Deposit. ___ _ Cashier's Checks _____ -- __ - _ 
 
1,360 30 
 
Checks for Clearing House__ Other Checks and Cash Items 
 
620 
 
75 
 
Certified Checks __________ - _ Bills Payable _____________ _ 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
O vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_-_-_-_ 
 
_- -_ _- _-_-_-_-_- -_ 
 
Borrowed Money --------Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances - __ ------ 
 
Documentary Stamps -- _-- __ Depositors' Guarantee Fund. 
 
30 3,184 
 
00 90 
 
Reserve for Interest and Taxes Other Liabilities _________ - _ 
 
Mutual Fire Insurance _____ _ 
 
120 00 
 
Cash Short ----------------- 
 
109 62 
 
Total ---------------------$371,050 39 Total ---------------------$371,050 39 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$198.363 46 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ____ - ________ 15,583 17 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate UOnthiteerd SSttoactkess BanodndBso-n-d-s-_-_-_-_- 
Banking House------------Furniture and Fixtures_____ Other Real Estate Owned____ Due from Banks in this State 
Due from Banks in other States ------------------- 
GCoulrdren_c__y -- -__--- -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
62,587 03 -_ -_ -_ -_ -_ -_ -_ -_ -_ 
4,073 30 2,163 87 
800 00 43,212 40 
4,783 07 9,417106 0000 
 
Surplus Fund -------------- 10,000 00 UDnivdiidveidnedds PUrnopfiatisd --_-- -__----- -__----_ __1_,8_8__0__38_ 
Due to Banks in this State __ --------Due to Banks in other States --------Call Money----------------- --------Individual Deposits Subject to 
Check ------------------- 130,116 93 Demand Certificates of Deposit 1,747 50 STaimviengCserDtiefpicoastietss o__f __D_e-p-o_s_i_t__ 1-7_6_,3_5__2__39_ 
 
Silver, Nickels, Pennies_____ 1,368 51 Trust Funds on Deposit_ ____ --------- 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
788 94 
 
Advances on other Commodi- 
 
Certified Checks ____________ ________ _ 
 
ties ___________________ ___________ Bills Payable ______________ ________ _ 
 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
taenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
_________ 30 43 
_________ 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _________ LiaanbdilitAycocenpLtaentcteesrs _o_f__C_r_e_d_i_t 
 
________ _ - ______ - _ ________ _ 
 
OOtvheerrdrAafstssets(if__a_n__y_)_-_-_-_-_-_-_-_-_ 
 
--------3,334 90 
 
Other 
 
Liabilities----------- 
 
--------- 
 
TotaL ___________________ .$345,886 14 TotaL--------------------$345,886 14 
 
 136 
 
BANKING DEPARTMENT 
 
EXAliii:Ilii"EB'S BEPOBT. 
 
CLAXTON BANK, CLAXTON. 
 
At Close of Business July 31, 1920. 
 
President-C. S. Grice. Vice-President-N. A. Thaggard. Cashier-E. Bullock. 
 
Directors-C. S. Grice, N. A. Thaggard, C. M. Rushing, Jr., E. Bullock. 
 
Date of Charter-1903. 
 
Began Business-1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$293,105 93 Capital Stock Paid In _______ $ 50,000 00 
 
DLoeamnasnSdecLuoraends by---R-e-a-l-E--s-t-a-te- 
 
_1_8_,5_4__9__48_ 
 
Amt. Reserved for Branc!Jes Surplus Fund _- ___ - ________ 
 
___ -- _--15,000 00 
 
United States Bonds________ 7,775 50 Undivided Profits _____________ 22,034 22 
 
Other Stocks and Bonds_____ 
 
100 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------ 3,295 88 Due to Banks in this State __ --------- 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
1,852 69 ________ _ 
 
CDaulel MtoonBeaynk_s__i_n- _o_t_h-e-r_S__ta_t_e_s_ 
 
-_-__-_-,-. -_-__--_ 
 
Due from Banks in this State 43,147 21 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 105,209 12 
 
States ------------------CGuo lrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
2,997 5,184 
 
3oo9 
 
Demand Certificates of Deposit Time Certificates of Deposit_ 
 
----- _- __ 186,443 23 
 
5 00 Savings Deposits ----------- --------- 
 
Silver, J\ickels, Pennies ____ _ 
 
584 88 Cashier's Checks ----------- 
 
598 63 
 
Advances on Cotton _________ --------- Certified Checks ------------ ----- _--- 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C_o_m__m__o_di-__________ _ BNioltles s PaanydabBleills_-R-e-d-i-s-c-o-u-n--te-d- _-_-_-_-_-_-_-_--_ 
 
Checks for Clearing House__ 
 
699 50 Certificates of Deposit for 
 
Other Checks and Cash Items 1,056 85 Borrowed Money ___ -- _-- _ - __ -- _-- _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
taenrcsesof _C_r_e_d_i_t_ _a_n_d_ _A__c_c_e_p_t_- 
 
________ _ 
 
and Acceptances -- _------ --------Reserve for Interest and Taxes - __ ------ 
 
Overdrafts (if any) _______ _ 
 
930 89 Other Liabilities----------- --------- 
 
Other Assets --------------- --------- 
 
Total--------------------$379,285 20 
 
Total--------------------$379,285 20 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$216,656 89 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 16,293 31 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
34,759 81 7,775 50 
 
US unrdpi vl ui ds e dF u Pn dr o f-i t-s- - -_-_-_-_ -_ _-_- -- -_-_ 
 
15,000 00 25,210 74 
 
Other Stocks and Bonds_____ 
 
100 00 Dividends Unpaid ____ - __ -- _ 
 
Banking House ------------ 3,295 88 Due to Banks in this State __ Furniture and Fixtures.____ 1,852 69 Due to Banks in other States Other Real Estate Owned ____ --------- Call Money ____ - __ --- _-- _-- _ 
 
Due from Banks in this State 48,709 83 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ -_ -_-_ -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
1,529 54 _ _6_, 3_3_2___00_ 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 63,837 92 Time Certificates of Deposit_ 177,398 54 Savings Deposits---------- 
 
Silver, Nickels, Pennies_____ 
 
526 42 Trust Funds on Deposit_---- 
 
Advances on Cotton_________ ________ _ Cashier's Checks ----------- 7,242 11 
 
Adtvieasnce_s__o_n__o__th_e__r -C_o__m_m__o.di-__________ _ CBeiiritsifiPedayeahbelecks___-__--_-_-_----__------- 
 
Checks for Clearing House__ 
 
814 51 Notes and Bills Rediscounted 
 
Other Checks and Cash Hems CustomPrs' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ______ -- _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ------------------OOtvheerrdrAafstsset(sif_a_n_y__) _-_-_-_-_-_-_-_-_-_ 
 
-_-_-_-_-_42_-_-_-n-_ 
 
and Acceptances ______ --Reserve for Interest and Taxes Other Liabilities ________ - _- 
 
TotaJ _____________________ $338,689 31 Total _____________________ $338,689 31 
 
 FIRST ANNUAL REPORT 
 
137 
 
EXAMINEB'S BEPOBT. 
 
THE CITIZENS BANK, CLAXTON. 
 
At Close of Business October 21, 1920. 
 
President-R. R. Tippins. Vice-President-C. M. Rushing, Cashier-J. B. Brewton. 
Director&-R. R. Tippins, N. A. Thaggard, C. R. Way, C. M.. Rushing, J. c. Ed- 
wards, W. S. Freeman, J. B. Brewton, C. S. Smith, J. C. Mincey. 
 
Date of Charter-July 18, 1919. 
 
Began Business-September 8, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------- _____ $111,466 36 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 4,093 02 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 
 
United States Bonds _------Other Stocks and Bonds_--- 
 
- _______ _ l 00 00 
 
UDnivdiidveinddeds PUrnopfiatisd -_-_-_-_-_-_-_-_-_--_ 
 
4,233 98 
 
Banking House ------------ 8,235 45 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned_--- 
 
4,563 37 ________ _ 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 7,172 08 Individual Deposits Subject to 
 
Due from Banks in other 
States -----------------CGuorl rde n c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
2,445 82 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 4,030 00 Time Certificates of Deposit_ 
70 00 Savings Deposits __________ _ 
 
Silver, Nickels, Pennies_---- 
 
693 66 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks __________ _ 
 
Adtvieasnce__o-n- __o_th__e_r__C_o_m__m__o_di-__________ _ 
 
Certified Checks --- ________ _ Bills Payable _____________ _ 
 
42,860 83 61,737 05 
403 95 5,000 00 
 
Checks for Clearing House__ 
 
678 19 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
481 15 Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Acceptances ~-----------------Overdrafts (if any) _------Other Assets --------------- 
 
Liability on Letters of Credit and Acceptances ________ _ 
206 71 Reserve for Interest and Taxes Other Liabilities __________ _ 
 
TotaL _____________ --_--_ -$144,235 81 Total---------------------$144,235 81 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _________ -------$ 85,853 15 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 1,566 02 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _------Other Stocks and Bonds ____ 
 
22,658 04 ------- __ --------- 
 
US unrdpi vl ui ds e dF u Pn dr o f-i t-s- - -_-_-_-_-_-_-_ _- _- -_ Dividends Unpaid _________ _ 
 
4, 789 11 
 
Banking House ------------ 8,235 45 Due to Banks in this State __ 
 
Furniture and Fixtures __ - __ 4,643 37 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ------------ ____ _ 
 
Due from Banks in this State 5,875 39 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuo lrdr e n_c_y_ _-_-_-_-_-_-_ -_ -_ _- _- _- ---------------- 
 
1,196 28 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 4.365 00 Time Certificates of Deposit_ 
85 00 Savings Deposits---------- 
 
40,957 81 53,776 05 
 
Silver, Nickels, Pennies ____ _ 
 
739 90 Trust Funds on Deposit ____ _ 
 
Advances on Cotton _________ --------- 
Advance on other Commodities __________ --------- ----------- 
 
CCearsthifiieerd's CCnheecckkss _-_-_-__-_-_-_-_-_-_--_ Bills Payable ______________ _ 
 
1,444 56 5,000 00 
 
Checks for Clearing House__ ________ _ N'otes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
676 
 
36 
 
Certificates Borrowed 
 
of Deposit for Money ________ _ 
 
taenrcsesof _C_r_e_d_i_t_ _a_n_d__A__c_c_e_p_t_- 
 
____ - ___ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Overdrafts (if any) _-------Other Assets-P. and L.----- 
 
30 43 
 
57 00 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total---------------------$135,967 53 Total _____________________ $135,967 53 
 
 r 
I 
 
138 
 
BANKING DEPARTM)<JNT 
 
EX:AJIIINEB'S BEPOBT. 
 
THE BANK OF CLAYTON, CLAYTON. 
 
At Close of Business November 1, 1920. 
 
President-J. C. Dover. Vice-President-W. S. Long. Cashier-T. A. Duckett. 
 
Directors-J. C. Dover, J. H. Derrick, W. S. Long, C. E. Cannon, T. A. Duckett. 
 
Date of Charter-June 30, 1904. 
 
Began Business--July 1, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$230,029 38 Capital Stock Paid In _______ $ 25,000 00 
 
DLoeamnasnSdecLuoraends by---R-e-a-l-E--s-t-a-teUnited States Bonds -------Other Stocks and Bonds_____ 
 
__8_,_3_0_7__00_ 
 
Amt. Reserved for Branches Surplus Fund _---- --- _____ _ 
 
1,157 70 4,500 00 
 
Undivided Profits Dividends Unpaid 
 
_________ _ _________ _ 
 
5,000 00 13,783 60 
 
Banking House ------------- 2,050 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned_-__ 
 
1,750 00 _____ ---- 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks------------ 87,888 01 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
--------- 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 160,110 27 
 
GCoulrdren_c_ y- __ -- -__-_--------------------_-_------ 
 
12,584 00 Time Certificates of DeposiL 149,585 76 1,587 50 Sav!ngs Deposits _________ _ 
 
Silver, Nickels, Pennies ____ _ 899 23 Advances on Cotton _________ --------Advances on other Commodi- 
ties - _----------------- ----------Checks for Clearing House __ --------- 
 
Trust Funds on Deposit__- __ Cashier's Checks __________ _ Certified Checks ______ c ____ _ Bills Payable _____________ _ Notes and Bills Rediscounted 
 
1,037 35 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
98 39 Certificates of Deposit for Borrowed Money ________ _ 
 
taenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ______ --- 
 
Overdrafts (if any) --------- 
 
298 59 Reserve for Interest and Taxes 
 
Other Assets: Depositors' Guarantee Fund_ 
 
3,584 50 COathsehr. LLoinagbil_it_i_e_s_:___________ _ 
 
222 32 
 
- - - - - Documentary Stamps ______ _ 
 
5 00 
 
TotaL--------------------$354,739 30 
 
TotaL _____________ --- ___ -$354,739 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$211,558 79 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 9,375 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds_____ 
 
20,658 00 1,204 70 
 
US unrdpi vl ui ds e dF uPnrdo f i-t-s- -_-_-_-_ -_ _- _- _-_-_- -_ 
 
4,500 00 Dividends Unpaid _________ _ 
 
5,000 00 13,673 32 
 
Banking House ------------- 2,050 00 Due to Banks in this State-- 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
1,750 00 --------- 
 
CDaulel MtoonBeaynk_s__i_n_ -o-t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 48,867 12 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-.- -P- e- -n-n-i -e-s -__- ---- -- 
 
27,697 72 DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 145,344 08 7,723 00 Time Certificates of Deposit_ 151,749 70 1,625 00 Savings Deposits ---------1,294 76 Trust Funds on Deposi L __ -- 
 
Advances on Cotton ______ --- ------ _-- Cashier's Checks -- _______ -- 1,247 37 
 
Advances on other Commodities __ ---- __ ------- -- _- ----- _----- 
 
Certified Checks __________ -Bills Payable _____________ - 
 
- _":,.-.:.----- 
 
Checks for Cl<;laring House-_ ______ --- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ______ --- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t s- -(-i-f-a-n- -y-)- -_-_-_-_-__- ---- -_ 
 
- - - -1-2-0- -8-8 
 
and Acceptances _- _____ -Reserve for Interest and Taxes 
 
Other Assets --------------- 3,589 50 Other Liabilities --- __ ------ 
 
Total---------------------$342,014 47 Total---------------------$342,014 47 
 
.. 
 
 FIRST ANNUAL REPORT 
 
139 
 
E:XAllllilii'EB.'S B.EPOB.T. 
 
CLERMONT BANKING COMPANY, CLERMONT. 
At Close of Business November 12, 1920. 
 
President-J. M. Haynes. Vice-President-H. M. Gailey. Cashier-W. V. Grant. 
Directors-J. M. Haynes, W. V. Grant, H. M. Gailey, G. W. Staton, G. w. Head. 
 
Date of Charter-June 13, 1912. 
 
Began Business-February 1, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 72,730 65 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans -------------- 8,731 48 Loans Secured by Real Estate ________ _ 
 
SAumrpt.luRs esFeurnvded __f_o_r__B__ra_n__c_h_es_ 
 
United States Bonds -------Other Stocks and Bonds ____ 
 
----------------- 
 
Undivided Profits _-- _______ _ Dividends Unpaid _- ________ _ 
 
351 53 697 59 
15 00 
 
Banking House ----------- 1,461 84 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
1,956 75 ________ _ 
 
CDaulel MtoonBeaynk- s__i_n__o__th-e_r__S_t_a_t_es_ 
 
Due from Banks __________ _ 7,443 71 Individual Deposits Subject to 
 
DuSetatfersom___B__a_n_k_s___in___o__th_e__r ________ _ DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 22,093 77 
 
GC~orlrden_c_y____-.-_-_-_-_-_-_--. -__--. -__--. -__--_ 
 
 _2_,_3_0_5__00_ 
 
Time Certificates of Deposit. Savings Deposits _________ _ 
 
17,139 89 
 
Silver, Nickels, Pennies. ___ _ 
 
339 75 Trust Funds on Deposi L ___ _ 
 
Advances on Cotton. __ . ___ ._ 1,780 97 Cashier's Checks --- ______ - _ 
 
Adtiveasnce_s__o_n__o_t_h_e_r__C_o_m__m__o_di-__________ _ 
 
Certified Checks _--- ____ --- _ Bills Payable -------------- 
 
Checks for Clearing House-_ __.... __ _ Notes and Bills Rediscounted 
 
13 60 35,000 00 
6,743 82 
 
Other Checks and Cash Items 
 
28 10 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
O vaenrcdersa f t s- -(-i-f -a-n- -y-)- -.-. -_-_-_-_-_-_ -_ 
 
- - - -1-6-7- -6-6 
 
and Acceptances - ___ ---- _ Reserve for Interest and Taxes 
 
OCathsher SAhsosretts: __  _. _____ . ___ - 
 
109 
 
Other Liabilities __________ _ 
 
Total--------~------------$ 97,055 
 
Total---------------------$ 97,055 20 
 
BANK'S STATEMlJN1' at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 65,216 91 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 4,712 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _____ .. __ Surplus Fund __ - .. ____ . __ .. 
 
351 53 
 
United States Bonds . __ .... _ _. ______ _ Undivided Profits __ . ____ ... _ 
 
603 12 
 
Other Stocks am:l. Bonds ___ - ___ . _.. _. Dividends Unpaid .. ___ . __ . __ 
 
15 00 
 
Banking House ------------ 1,461 84 Due to Banks in this State._ Furniture and Fixtures_____ 1,956 75 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money----------------Due from Banks in this State 1,815 00 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuolrdren_c__y_ . _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--. -_ 
 
57 72 _ _1_,_1_5_4__0 0_ 
 
DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit. Savings Deposits ___ .. ____ _ 
 
17,163 79 12,031 35 
 
Silver, NickelR. Pennies ___ . . 
 
292 34 Trust Funds on Deposit.---_ 
 
Advances on Cotton_________ 2,523 95 Cashier's Checks .. __ .. ____ _ 
 
Adtiveasnce_s__o_n__o_t_h_e_r__C_o_m__m_ _o_di-__________ _ 
 
Certified Checks . __ . __ . ____ _ Bills Payable -------------- 
 
Checks for Clearing House.. . ... _.- .. Notes and Bills Rediscounted 
 
909 85 
28,000 00 5,623 37 
 
Other Checks and Cash Items 
 
346 74 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------- 
 
Overdrafts (if any) --------Other Assets --------------- 
 
44 13 116 63 
 
Reserve for Interest and Taxes Other Liabilities .. ______ - __ 
 
Total ____________________ $ ________ _ Total ____________________ $ ________ _ 
 
 140 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.T. 
 
CLERMONT STATE BANK, CLERMONT. 
 
At Close of Business November 1, 1920. 
 
President-T. J. Cobb. Vice-Presidents-T. C. Miller, F. M. Hulsey. 
 
Cashier-F. G. Mauney. 
 
Directors-T. J. Cobb, T. M. Hulsey, W. M. Guest, John T. Cobb, T. B. King, 
C. T. Griffin, T. c. Miller. 
 
Date of Charter-October 27, 1920. 
 
Began Business-November 1, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ -_-__-_-_-_-_-_--_ 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
30,000 
 
00 
 
Loans Secured by Real Estate United States Bonds -------BOathnekrinSgtoHcokus saend_ __B_o_n_d_s__________ 
 
-----------------_-_-_-_ _- _-_-_- -_ 
 
SUunrdpilvuids edFuPndrof-it-s---_-__-_-_-_-_--- -__Dividends Unpaid _________ _ 
Due to Banks in this State __ 
 
Furniture and Fixtures _____ Other Real Estate Owned____ 
 
--------________ _ 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State --------- Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
--------4,505 00 
 
DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t Time Certificates of DeposiL 
 
Gold ----------------------- --------- Savings Deposits ---------- 
 
Silver, Nickels, Pennies_____ 
 
495 00 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks __________ _ 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C_o_m__m__o_di-__________ _ 
 
Certified Checks ___________ _ Bills Payable -------------- 
 
Checks for Clearing House__ 25,000 00 Notes and Bills Reqiscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___f_or_ 
 
atenrcsesof__C__re_d__it__a.n. _d__A__c_c_e_p_t-_ Overdrafts (if any) ________ Other Assets _______________ 
 
_ _ _ _ _ _ _ _ _, ________ _ ________ _ 
 
Liability on Letters of Credit and Aceptances ----------- 
Reserve for Interest and Taxes Other Liabilities ________ - __ 
 
Total----------------------$30,000 00 Total ______________________ $30,000 00 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ -$ Demand Loans ____________ _ 
Loans Secured by Real Estate United States Bonds _____ - __ BOathnekrinSgtoHcokus saend___B_o_n_d__s____-_--_ 
Furniture and Fixtures __ ---Other Real Estate Owned_--Due from Banks in this State Due from Banks in other 
States ------------------CGuolrdren_c-y- ___-_-_-_--- -------------------------Silver, Nickels, Pennies __ --_ Advances on Cotton--------Advances on other Commodi- 
Chteiecks s -fo--r --C-l-e-a-r-in--g--H-o--u-s-e-_-Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_ _-_- ------ 
Other Assets --------------- 
 
23,968 85 665 00 
4,289 80 1,718 22 9,310 58 
2,536 00 502 21 
3,619 31 
1,159 01 
20 00 
 
Capital Stock Paid In _______ $ 30,000 00 
 
SAumrtp.luRs esFeurnvded _-fo__r __B_r_a_n_c_h__es_ 
 
Undivided Profits __________ _ Dividends Unpaid _________ _ 
 
319 49 
 
Due to Banks in this State __ CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Individual Deposits Subject to 
DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
15,407 42 1,393 46 
 
Cashier's Checks ----------CBei lrltsi f iPe da yCa bh leec k s_ _ _- _- _- _- _-_-_-_-_-_-_- -_ 
 
668 61 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
Liability on Letters of Credit 
 
and Aceptances ----------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total---------------------$ 47,788 98 Total---------------------$ 47,788 98 
 
 \ 
 
FiRST ANNUAL REPORT 
 
14i 
 
EXAJIIJ:INEB'S BEPOBT. 
 
FARMERS AND MERCHANTS BANK, CLEVELAND. 
 
At Close oi Business August 12, 1920. 
 
President-H. A. Jarrard. Vice-Presidents~vv. C. Logan, J. B. R. Barrett. 
 
C. H. Edwards. Cashier-F. G. Mauney. 
 
Directors-H. A. JarraTd, C. H. Edwards, \V. C. Logan, J. B. R. Barrett, F. G. 
 
Mauney, C. J. Meadows, J. M. Adams, J. M. Glover, C. A. Shelton. 
 
Date of Charter-October 16, 1913. 
 
Began Business-November, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$117,831 28 Capital Stick Paid In ______ $ 15,000 00 
 
Demand Loans ------------- 2,651 40 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 31,000 00 Surplus Fund ------------- 
 
United States Bonds -------- 
 
200 50 Undivided Profits _____ --- __ 5,964 04 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
8 00 
 
Banking House ------------ 2,004 9Z Due to Banks in this State 
 
Furniture and Fixtures ---- 2,437 04 Due to Banks in other 
 
Other Real Estate Owned ____ Due from Banks in this State 
 
--------13,273 62 
 
States ------------------Call Money ------------ 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States -------------------Currency ------------------GSiolvlder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-__--_ Advances on Cotton ________ - 
 
1,252 41 4,651 00 
363 00 
____6_2_0__16_ 
 
DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit 
CSaavshiniegrs'sDCephoesciktss _-_-_-_-_-_-_-_-_-_--_- 
 
55,861 70 
64,026 31 12 37 85 34 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i-- ________ _ CBeilrltsifiPedayCabhelecks_____-_-_-_-_-_-_-_-_-____ 30,000 00 
 
Checks for Clearing House __ 2,094 10 Notes and Bills Rediscounted 8, 724 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
1,226 75 
 
Certificates Borrowed 
 
of Deposit for Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ---- _--------------- --------- and Acceptances _________ _ 
 
Overdrafts (if any) __ -----Other Assets: 
 
254 58 Reserve for Interest and Taxes Other Liabilities __________ _ 
 
697 17 
 
Transit _---- ___ ------------- 
 
518 17 
 
Total --------------------$180,378 93 Total --------------------$180,378 93 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$121,933 83 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- 3,079 69 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 24,611 79 Surplus Fund -------------- 3,000 00 
 
United States Bonds ________ 
 
200 50 Undivided Profits ----------- 1,957 77 
 
Other Stocks and Bonds 
 
_____ - __ _ Dividends Unpaid ---------- 
 
Banking House ------------ 2,004 92 Due to Banks in this State __ 
 
Furniture and Fixtures ____ Other Real Estate Owned __ 
 
2,437 04 --------- 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 3,116 60 Individual Deposits Subject to 
 
Due from Banks in other States-------------------- 
Currency ------------------GSiollvder,--N-i-c-k-e-l-s-. -P--e-n-n-i-e-s-_-_-_-__--_ 
 
483 05 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
2,444 568 
 
ou 
00 
 
Time Certificates Savings Deposits 
 
of Deposit _________ _ 
 
704 50 Trust Funds on DeposiL ___ _ 
 
38,946 96 
53,318 29 135 75 
 
Advances on Cotton ______ --Advances on other Commodi- 
ties ____ -- __ ----- _-- ____ - 
 
__ ------ _ CCearsthifiieerd's CChehckesck_s_-_-_-_-_-__-_-_-_--_ ------ __ _ Bills Payable ______________ _ 
 
583 20 33,000 00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 15,971 47 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
271 70 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances __________ ---------- ------ __ _ and Acceptances ---------- 
 
Overdrafts (if any) ___ ----- _ 
 
57 82 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Total --------------------$161,913 44 Total --------------------$161,913 44 
 
 142 
 
BANKING bEPARTMEN'l' 
 
EXAMil'fEB'S BEPOB'l'. 
WHITE COUNTY BANK, CLEVELAND. 
At Close of Business August 13, 1920. 
President-A. M. Dean. Vice-President-J. \V. H. Underwood. Cashier-F. McDowell. 
Directo-rs-A. M. Dean, J. W. H. Underwod, J. H. Telford, S. L. Brown, R. T. Kenimer, J. B. Skelton, A. H. Henderson, J.r., R. L. Kytle, J. H. Stovall, J. M. Cooley, 
Date of Charter-September 22, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$120,787 87 Capital Stock Paid' In ----$ 15,000 00 
 
Demand Loans ------------- 18,451 02 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 14,000 00 Surplus Fund -------------- 5,000 00 
 
United States Bonds Other Stocks and Bonds 
 
1,150 00 ________ _ 
 
DUinvdiidveinddeds 
 
UPrnopfaiitds 
 
_- _- _-_-_-_-_-_-_- -_ 
 
5,643 13 
 
Banking House_____________ 2,026 05 Due to Banks in this State 
 
Furniture and Fixtures Other Real Estate Owned__ 
 
2,369 51 1,810 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 8,335 57 Individual Deposits Subject to 
 
Due from Banks in other 
States -----------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s------ 
 
1,166 53 DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-po-s-i-t 4,025 18 
 
6,062 00 Time Certificates of Deposit 118,613 47 
 
195 00 Savings Deposits - -- - __ - - - - 
 
300 86 Cashier's Checks ---------- 
 
491 82 
 
Other Checks and Cash Items 1,168 48 Certified Checks------------ 
 
Customers' Liability on Let- 
 
Bills Payable -------------- 
 
atenrcsesof_ _C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t-_ 
 
________ _ 
 
Notes and Bills Certificates of 
 
Rediscounted Deposit for 
 
Overdrafts (if any) __ -- ___ _ 
 
183 79 Borrowed Money --------- 
 
COathsher SAhossret ts_:_________ - _____ - 
 
Liability on Letters of Credit 7z and Acceptances ---- __ --- _ 
 
Depositors' Guarantee Fund. 3,229 80 Reserve for Interest and Taxes 
 
FBiarnek IonfsuIrlaanc_e__F_H__n_d___-_-_-_-_--_ Call Money ______________ _ 
 
120 oo Other Liabilities ----------1,234 00 5,000 00 
 
Customers' L. B. Act, - ____ _ 1,950 00 
 
Total --------------------$189,973 6o Total --------------------$189,973 60 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$128,929 59 
 
Demand Loans ------------ 13,987 91 
 
Loans Secured by Real Estate 14,178 02 Capital Stock Paid In ___ --_.$ 15,000 00 
 
United States Bonds ------ 3,100 00 Amt. Reserved for Branches --------- 
 
Other Stocks and Bonds ____ Banking House -----------Furniture and Fixtures------ 
 
--------2,026 05 2,369 51 
 
US unrdpi vl ui ds e dF uPnrdo f i t-s- - -_-_-_ -_ _- _- _-_-_- -_ Dividends Unpaid _________ _ 
 
5,000 00 5,302 62 
25 00 
 
Other Real Estate Owned._ 1,810 00 Due to Banks in this State --------Due from Banks in this State 16,996 39 Due to Banks in other States _- _____ -- 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s-, --P--e-n-n-i-e-s-. -__--_ Advances on Cotton _______ _ 
 
5,820 32 5,582 00 
245 00 420 94 
5 58 
 
Call Money ---------------- --------Individual Deposits Subject to DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t- _5_2_,2__3_2__65_ Time Certificates of Deposit 108,884 00 Savings Deposits ----------- --------- 
 
Adtiveasnce_s__o_n__o_ t_h_e_r__C_o_m__m_ _o_d_i_- 
 
________ _ 
 
Trust Funds on Deposit ---Cashier's Checks ---------- 
 
--------975 11 
 
Checks for Clearing House -- ___ ---- Certified Checks ------------ --------- 
 
Other Checks and Cash Items 
 
713 78 Bills Payable -------------- 12,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted _---- __ -- 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
ances _______ - _-------- __ _- ___ ---- Borrowed Money --------- --------- 
 
Overdrafts (if any) ---------- 143 53 Liability on Letters of Credit 
 
Other Assets: Dep. Guarantee Fund _____ _ Fire Insurance Fund __ - ____ _ 
County Warrants ---------- 
 
and Acceptances 
 
3,229 80 Reserve for Interest and Taxes --------- 
 
120 00 240 96 
 
Other Liabilities 
 
----------- 
 
--------- 
 
Total --------------------$199,919 38 Total --------------------$199,919 38 
 
 FIRST ANNUAL REPORT 
 
143 
 
E:XAJIIUI'EB'S BEPOBT. 
 
FARMERS BANK, CLIMAX. 
 
At Close of Business September 23, 1920. 
 
President-F. H. Trulock. Vice-Presidents-F. C. Herring, A. S. Curry. 
 
Cashier-W. B. Johnson. Directors-F. H. Trulock, F. C. Herring, A. S. Curry, W. B. Johnson, 
 
R. H. Herring. 
 
Date of Charter-October 8, 1912. 
 
Began Business-October 15, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$159,804 19 Capital Stock Paid In _____ .$ 25,000 00 
 
Ll loe ma nasnSde cLu roeadn sb y - -R-e-a-l-E- -s-t -a-t eUnited States Bonds -------Other Stocks and Bonds ---- 
 
__2_,_8_7_6__21_ ----------------- 
 
Amt. Reserved for Branches SUunrdpilvuids edFuPndrof-i-ts---- -_-_-_-_-__-_-_--_ Dividends Unpaid ______ -- __ 
 
5,000 00 15,578 49 
 
Banking House ------------- 2,900 00 Due to Banks in this State 
 
Furniture and 'Fixtures ---- 1,100 00 Due to Banks in other States 
 
Other Real Estate Owned _- _------ _- Call Money ---------------Due from Banks in this State 7,290 79 Individual Deposits Subject to 
 
Due from Banks in other 
 
States ------------------GCoulrdren_c_y___-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_- _ 
 
12,148 4,225 77 
 
74 60 50 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits __________ _ 
 
76,068 61 29,315 26 
 
Silver, Nickels, Pennies ---- 
 
678 78 Trust Funds on Deposit __ - _ 
 
Advances on Cotton -------- --------- Cashier's Checks -- _------ __ 1,275 67 
 
Adtiveasnce_s__o_n_ -o-t_h_e_r_ -C--om__m_ -o-d-i-- _____ --- _ CBeilrltsifiePdayCahbelceks __-_-_-_-_-_-_-_-_-_-_--_ 30,000 00 
 
Checks for Clearing House __ 
 
533 25 Notes and Bills Rediscounted 10,000 00 
 
Other Checks and Cash Items 1,215 09 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Acceptances ___ ---------------- 
 
--------- 
 
Liability on Letters of Credit and Acceptances _______ _ 
 
OOtvheerrdrAafstsset(sif_a_n_y__) __--__--_-_-_-_-_-_ 
 
_____5_6__80_ 
 
Reserve for Interest and Taxes Other Liabilities: 
 
Deposits Since Balance ___ _ 
 
636 25 
 
Cash Long --------------- 
 
32 67 
 
Total -------------------$192,906 95 Total '-------------------$192,906 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 70,143 16 Capital Stock Paid In _____ .$ 25,000 00 
 
Demand Loans ----------- 3,275 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ____ _ 
 
75,000 00 USuprdpivluldsedFuPnrdofit-s---_-_-__-_-_-_-_-_--_ Dividends Unpaid _________ _ 
 
5,000 00 15,750 29 
 
Banking House ------------ 2,900 00 Due to Banks in this State 
 
--------- Furniture and Fixtures ---- 
Other Real Estate Owned __ -Due from Banks in this State 
 
1,100 00 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r- __S_t_a_t_es_ 3,966 38 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------- 
. GCoulrdren_c_y____----------__----------_---- -_------ _ Silver, Nickels, Pennies. __ _ Advances on Cotton - ___ ---Advances on other Commodi- 
 
4,936 23 4,387 00 
72 50 1,745 11 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit Savings Deposits ----------Trust Funds on Deposit ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ 
 
60.903 30 26,277 32 
838 99 
 
Chteiecsks -f-o-r---C-l-e-a-r-i-n-g---H-o-u--s-e 
 
Bills Payable -------------- 20,000 00 Notes and Bills Rediscounted 14,596 00 
 
Other Checks and Cash Items 
 
741 00 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-__-_-_- ---- -Other Assets --------------- 
 
and Accentances 99 57 Reserve for Interest and Taxes 
Other Liabilities __________ _ 
 
Total --------------------$168,365 90 Total --------------------$168,365 90 
 
 r. 
 
144 
 
BANKING DEPARTMENT 
 
EXAMillfEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, CLYO. 
 
At Close of Business August 17, 1920. 
 
President-W. T. Green. Vice-President-S. T. Metzer. Cashier-W. B. Futrell. 
 
Directors-W. T. Green, S. T. Metzer, 0. M. Morgan, W. B. Futrell, U. L. Ellzey, G. A. Metzer, J. W. Seckenger. 
 
Date of Charter-January 28, 1914. 
 
Began Business-January, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdo aLn so a-n-s---__--- -_-_-_-_-_-_-_-_-_$ 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ___ _ Banking House ___________ _ 
Furniture and Fixtures ___ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--i-c-k-e-ls-,--P-e--n-n-i-e-s--_-_-_-_ Advances on Cotton ___ - ___ Advances on other Commodi- 
Chteiecsks -f-o-r--C-l-ea-r-i-n-g----H-o-u-H--e-_-_ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_ _- _- -- 
Other Assets: Profit and Loss in Operations 
 
57,135 52 258 88 
9,350 00 1, 796 00 2,176 01 2,011 93 
1,240 00 562 96 
1,061 08 
643 97 291 94 
 
Capital Stock Paid In ------$ Amt. Reserved for Branches Surplus Fund -------------Undivided Profits - ___ -- __ -Dividends Unpaid ____ --- _-Due to Banks in this State Due to Banks in other States Call Money _____ ---- _- -- _-Individual Deposits Subject to 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit Savings Deposits --- __ -- __ - _ CTerrutsiftieFdunCdheocnksDe__p_o_s_i_t_-_-_-_-_--_ Bills Payable ____ -- ________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
Liability on Letters of Credit and Acceptances 
ROethseerrveLfiaobr iIlnittieersest__a_n_d_T__a_x_e_s Cash Long __ - ___ - _________ _ 
 
15,000 00 
21,895 77 6,175 39 8,198 94 
25,500 00 
712 77 45 42 
 
Total --------------------$ 77,528 29 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $ 55,821 
 
Demand Loans - __ -- _______ _ 
 
478 
 
40 00 
 
Capital Stock Paid Amt. Reserved for 
 
In ------$ 1,500 00 Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds Other Stocks and Bonds ___ _ Banking House ___________ _ 
Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this State 
 
3, 975 79 
1,796 00 2,176 01 
6,920 25 
 
Surplus Fund -------------UDnivdiidveinddeds UPnropfaiitds -_-_-_-_-_-_-_-_-_-_ 
Due to Banks in this State Due to Banks in other States Call Money ---------------Individual Deposits Subject to 
 
--------_ _ _ _3_3_9_ _58_ 
------------------------- 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _-_ -_ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- -_ 
Silver, Nickels, Pennies____ _ Advances on Cotton _______ _ Advances on other Commodi- 
 
2,269 00 492 9!'> 
 
Check -------------------Demand CPrtificates of Deposit Time Certificates of Deposit Saving-s Deposits ---------Trust Funrls on neposit_ ___ CCearsthifiieerr'ls CChheecckkss _-_-_-_-_-_-_-_-_-_-_-_ 
 
31,377 47 ________ _ 
3,422 25 -----------------_-_-__-_- -- -_-_ -_ 
 
Chteiecsks -f-o-r---C--le-a-r-i-n-g---H-o-u--se- 
 
Bills Payable -------------- 25,200 00 Notes and Bills Rediscounted _- ___ - __ _ 
 
Other CheckR and Cash Items Customers' Liability on Let- 
 
417 15 CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___fo- r_ ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t s- - -( l-f- -a-n-y-)- - -_-_ ---- -_-__- -_ 
 
and Acceptances -------- --------208 78 ReRerve for Interest and Taxes ________ _ 
 
Other Assets --------------- 
 
783 97 Other Liabilities ---------- --------- 
 
Total --------------------$ 75,339 30 Total --------------------$ 75,339 30 
 
 PIRST ANNUAL REPORT 
 
145 
 
EXAMINER'S BEPOBT. 
 
BANK OF COBBTOWN, COBBTOWN. 
At Close of Busines's October 25, 1920. 
 
President-E. Daughtry. Vice-President-G. W. Mulling. Cashier-F. Q. Collins. 
 
Directors-E. Daughtry, J. H. Glisson, T. H. Mulling, G. W. Mulling, H. L. Hodges. 
 
Date of Charter-November 20, 1906. 
 
Began Business-October 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 85,090 34 Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans ------------- 5,425 66 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------- 
 
________ _ 250 00 
 
SUunrdpi vl ui ds e dF uPnr odf i t-s - -_-_-_-_-_-_-_ -_ _- _- -_ 
 
3,000 00 10,088 31 
 
Other Stocks and Bonds ____ ________ _ Dividends Unpaid ---------- 
 
Banking House ------------- 2,000 00 Due to Banks in this State 
 
Furniture and Fixtures ------ 3,050 00 Other Real Estate Owned __ ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 9.539 92 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CGoulrdren_c_y___ -----__------__--------------------Silver, Nickels, Pennies ___ _ Advances on Cotton ________ A dt iveasn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ Checks for Clearing House 
 
1,090 00 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
2,197 00 Time Certificates of Deposit 
 
20 00 Savings Deposits ----------- 
 
421 40 Trust Funds on Deposit. __ _ 
 
________ _ Cashier's Checks _________ _ 
 
Certified Checks __ . ________ _ 
 
________ _ ________ _ 
 
Bills Notes 
 
Payable ------------and Bills Rediscounted 
 
40,666 53 22,423 61 
4,051 25 15,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
6 00 CeBrtoifrircoawteesd MofoneDyep_o__si-t___f_or_ 
 
taenrcsesof _C__re_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances ________ _ 
 
Overdrafts (if any) _______ _ 1,125 94 Other Liabilities ____ - _- .. - 
 
COathsher SAhsosret ts_:__________ . ___ _ 
 
13 44 
 
Total --------------------$110,229 70 Total --------------------$110,229 70 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _-- _-- _--. _. __ .$ 72,412 32 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans _- _____ -.-- __ 5,208 25 Am t. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
12,091 67 USunrdpivluids edFunPdrof-i-ts---_-_-_-_-_-_-_-_-_-_ 
 
3,000 00 9,824 75 
 
OBathnekringStoHcokus seand___B__o_n_d_s____-_ 
 
Dividends Unpaid _________ _ 2,000 00 Due to Banks in this State 
 
Furniture and Fixtures ___ _ 3,050 00 Due to Banks in other States 
 
Other Real Estate Owned __ 
 
Call Money ____ --- _- _.. ---- 
 
Due from Banks in this State 6,862 21 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_- -_ 
 
278 04 DeCmhaenckdCe-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 1,415 00 Time Certificates of Deposit_ 
Savings Deposits---------- 
 
25,673 90 25,359 69 
 
Silver, Nickels, Pennies.-.-Advances on Cotton __ .. - ... Advances on other Commodi- 
Chteiecsks -f-o-r---C-l-e-a-r-i-n-g---H-o-u--se- 
 
713 25 ________ - 
 
Trust Funds on Deposit ---Cashier's Checks _____ ---.Certified Checks __________ _ Bills Payable __ -- _________ _ 
Notes and Bills Rediscounted 
 
1,577 07 24,000 00 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ .-.---- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O vaenrcdersa f t s- -(-i-f-a- n- -y-)- -_-_-_-_ ---------- 
 
and Acceptances ---------7 30 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities------------ 
 
Total --------------------$104,435 41 Total --------------------$104,435 41 
 
 146 
 
BANKING DEPARTMENT 
 
EXAliiilfEB'S BEPOBT. 
 
CITIZENS BANK, COCHRAN. 
 
At Close of Business October  21, 1920. 
 
President-J. A. Fisher. Vice-President--.J. S. Helms. Cashier-R. H. Peacock. 
 
Directors-J. 0. Fisher, J. S. Helms, T. W. Fisher, I. A. Willis, F. D. Wimberly. E. T. Mullis, Jr., J. E. Lane, D. E. Duggan. 
 
Date of Charter-December 31, 1912. 
 
Began Business-October 21, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------~$354,240 30 Capital Stock Paid In ------$ 25,000 00 
 
DLoeamnasnSd eLcuoraends b-y-R--e-a-l-E--s-t-a-te- 2_2_4_,3__0_4__02_ OUtnhiteerdSStotactkess aBnodndBson-d-s---_-_-_-_ -_-_-_-_-__-_-_--_ 
 
Amt. Reserved for Branches US unrdpi vl ui ds e dF uPnrdo f i t-s- - -_-_-_-_-_-_-_ _- _- -_ 
Dividends Unpaid ---------- 
 
5,000 00 3,107 65 
 
Banking House ----------- 3,707 36 Due to Banks in this State 
 
Furniture and Fixtures ---Other Real Estate Owned __ 
 
2,572 55 --------- 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 150,000 00 
 
Due from Banks in this State 12,796 38 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ Advances on Cotton _______ _ Adtvieasnce_s__o-n__o_ t-h_e_r_ _C_o_m__m__o_d_i_- 
 
1,844 7,585 
 
0705 
 
337 50 
 
2,901 34 
 
14,796 81 
 
________ _ 
 
DepCmohsaeinctdsk 
 
_C-_-_e-_r-_ti-_f-_ic-_a_-t_-e_-s_-_-_-o_-f_-_-D_-_-e--_ 
 
132,036 11,635 
 
27 00 
 
Time Certificates of Deposit_ 48,338 79 
 
Savings Deposits ----------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks _________ _ Certified Checks _________ _ 
 
727 66 
 
Checks for Clearing House Other Checks and Cash Items 
 
________ _ ________ _ 
 
Bills Notes 
 
Payable ------------and Bills Rediscounted 
 
60,000 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
CeBrtoifrircoawteesd oMfonDeyepo_s_i_t___f_or_ 
 
O vaenrcdersa f-t s- -(-i-f-a-n-y- -) - -------- -- -- -- - -- - -1-0-, 4- 2- 6- - -8-0 Other Assets ______________ 3,189 00 
 
Liability on Letters of Credit, and Acceptances ---------- 
Reserve for Interest and Taxes 
 
3,000 00 
 
Other Liabilities------------ 
 
88 27 
 
Total --------------------$438,933 64 Total --------------------$438,933 64 
 
BANK'S STATEMENT at Close of Business December 15, 1920. - 
 
RESOURCES 
 
LIABILITIES 
 
Tlmil Loans --------------$283,680 22 Capital Stock Paid In _____ -$ 25,000 00 
 
Demand Loans ------------ 50,451 05 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ____ 
 
24,710 00 ----------------- 
 
SUunrdpi vl ui ds e dF uPn dr o f-i t-s- - -__-_-_- -" -_-__-_- -_ Dividends Unpaid _________ _ 
 
5,000 00 4,130 66 
 
Banking House ------------ 3,707 36 Due to Banks in this State 26,500 00 
 
Furniture and Fixtures ____ Other Real Estate Owned__ 
 
2,572 55 ________ _ 
 
CDaulel 
 
tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
121,500 
 
00 
 
Due from Banks in this State 14,589 13 Individual Deposits Subject to 
 
Due from Banks in other 
States -----------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s-, --P--e-n-n-i-e-s---_-_ -_ Advances on Cotton _______ _ 
 
4,289 25 4,359 00 
187 50 2,217 21 
17,077 97 
 
DeCmhaencdk C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 113,092 86 
 
STaipmvoiensigtCss erDt-ie-fp-ic-oa-st-iet-ss--o-_f-_-_D-_-_e_-p_-o_-s_-i-_t 
 
11,500 00 45,810 79 
 
Trust Funds on DeposiL __ _ 
 
Addviatinecses _o_n__o__th__e_r_C_o__m_m__o_d_i_- ________ _ CCearsthifiieerd's CChheecckks s __-_-_-_-_-_-_-_-_-_--_ 
 
219 74 
 
Checks for Clearing House__ Other Checks and Cash Items 
Customers' Liability on Letatenrcsesof__C_r_e_d_i_t__a_n_d__A--c_c-e-p_t-_ 
 
________ _ Bills Payable ____________ _ ________ _ Notes and Bills Rediscounted 
Certificates of Deposit for Borrowed Money ____ - _-- 
________ _ Liability on Letters of Credit, 
 
56,500 00 9,217 71 
 
Overdrafts (if any) -------- 10,541 52 and Acceptances ---------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Depositors' Guarantee Fund 3,069 00 Other Liabilities: 
 
Fire Insurance Fund _______ _ 
 
120 00 Unearned Interest ---------- 3,000 00 
 
Total ---------------------$421,571 76 Total ---------------------$421,571 76 
 
 FIRST ANNUAL REPORT 
 
147 
 
EXAMIBEB'S BEPOBT. 
 
COCHRAN BANKING COMPANY, COCHRAN. 
 
At Close of Business October 28, 1920. 
 
President-J. P. Peacock. Vice-President-\Y. 0. Peacock. Cashier-J. A. Walker. 
 
Directors-J. P. Peacock, J. H. Mullis, Jr., B. J. Wynne, W. 0. Peacock, J. B. 
 
Thompson, R. L. Whipple, J. A. Walker, W. H. Peacock. 
 
Date of Charter-March 8, 1899. 
 
Began Business-March 8, 1899. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$406,693 49 Capital Stock Paid In _____ -$ 75,000 00 
 
Demand Loans -------------- 57,740 09 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -----Other Stocks and Bonds ____ 
 
38,012 83 43,728 13 --------- 
 
US unrdpi vl ui ds e dF uPnrdo f i t-s- - _-_-_-_-_-_-_-_-_- -_ Dividends Unpaid __________ _ 
 
50,000 00 70,128 43 
 
Banking House ------------- 7,628 90 Due to Banks in this State __ 
 
414 26 
 
Furniture and Fixtures______ Other Real Estate Owned__ 
 
2,660 79 ________ _ 
 
CDaulel 
 
MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 29,291 60 Individual Deposits Subject to 
 
Due from Banks in other CuSrtraetnecsy _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Gold __________ -- __________ _ 
 
21,146 96 11,139 00 
35.00 
 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 292,678 
 
Time Certificates Savings Deposits 
 
oLDeposit _________ _ 
 
115,314 
 
13 97 
 
Silver, Nickels, Pennies ___ _ Advances on Cotton _______ _ Adtiveasnce_s__o_n__o_ t_h_e_r__C_o_m__m__o_d_i_- 
 
1,479 14 9,385 88 
________ _ 
 
Trust Funds on Deposit_ __ _ Certified Checks -- ________ _ Bills Payable _____________ _ Notes and Bills Rediscounted 
 
1,919 93 1 00 
35,000 00 
 
Checks for Clearing House __ Other Checks and Cash Items 
 
3 50 192 59 
 
CeBrtoirfricoawteesd 
 
MofoneDyep_o_s_i_t___f_or_ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
atenrcsesof__C__re_d_i_t_ _a_n_d__A_ _c_c_e_p_t_- 
 
_______ -- 
 
and Acceptances Reserve for Interest and Taxes 
 
Overdrafts (if any)-------- --------- Other Liabilities----------Other Assets: 
 
Profit and Loss ------------ 11,371 07 
 
Total --------------------$640,ri08 97 Total --------------------$640,508 97 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$425,778 68 
 
Demand Loans ------------ 38,337 72 
 
Loans Secured by Real Estate 39,433 99 
 
United States Bonds ------ 43,728 13 
 
Other Stocks and Bonds ____ 
 
925 00 
 
Capital Stock Paid In _____ -$ Amt. Reserved for Branches 
US unrdpi vl ui ds e dF uPnrdo f i t-s- - -_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid ________ _ 
 
75,000 00 
50,000 00 49,491 28 
 
Banking House ------------Furniture and Fixtures ____ Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States ------------------GCoulrdren__c_y__ -_-_-_-_-__--__--_-_-_-__--_-__--_-_ 
 
7,628 90 2,660 79 --------38,991 09 
3,302 74 _1_2_,8__2_6__00_ 
 
Due to Banks in this State CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
Individual Deposits Subject to DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 260,002 88 STaimviengCs erDtiefpicoastietss o_f__D__e_p_o__si_t 112,627 49 
 
Silver, Nickels, Pennies ---Advances on Cotton ____ ---Advances on other Commodi- 
ties _-"- ___ -- _-- --------Checks for Clearing House Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -_-__- -------- -Other Assets ___ -- ____ ----- 
 
1,770 73 12,642 52 
__ ------_______ -- 
420 30 
 
Trust Funds on Depos!L __ _ Cashier's Checks _________ _ Certified Checks __________ _ Bills Payable ______________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit, 
and Acceptances ORtePs,eerrv eL ifaobr iIl inttieerse s_t_a_n_ _d_T_ _a_x_e_s 
 
1,011 61 39 80 
75,000 00 
5,273 53 
 
Total --------------------$628,446 59 Total --------------------$628,446 59 
 
 148 
 
BANKING DEPARTMENT 
 
EXAMilii'EB'S BEPOBT. 
BANK OF COLLEGE PARK, COLLEGE PARK. 
At Close of Business August 11, 1920. 
President-J. H. Longino. Vice-President-W. S. Cox. Cashier-G. F. Longino, Jr. Directors-W. S. Cox, T. A. Hinson, L. M. Hobgood, J. H. Longino, G. F. Lon- 
gino, Jr., H. B. Longino, L. A. Niven, J. A. Sewell, Linton Smith, H. S. Wilheit. Date of Charter-November 10, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$154,630 20 Capital Stock Paid In ------$ 25,000 00 Demand Loans ____ --- ______ _ 24,272 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ------- 
 
--------17,400 00 
 
USunrdpivluids edFuPnrdofi-ts---_-_-_-_-_-_-_-_-_-_ 
 
10,000 00 8,114 12 
 
Other Stocks and Bonds ____ 1,000 00 Dividends UnPaid __ - _-- ___ _ 
 
16 00 
 
Banking House ------------ 10,548 43 Due to Banks in this State 10,000 00 
 
Furniture and Fixtures ____ Other Real Estate Owned__ 
 
2,429 20 _ _______ _ 
 
CDaulel tMo oBneaynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 23,231 73 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency ------------------GS iollvde r ,- -N- -i c- k- -e-l s-,- -P-e-n- n- -i e-s- - -_-__- -_ Advances on Cotton ________ 
 
391 74 7,914 00 
525 00 _ _ _5_7_8_ _ _72_ 
 
DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 139,489 79 TipmoesiCt e-r-t-if-i-c-a-te-s--o--f -D--e-p-o-s-i-t_- 8,114 66 
Savings Deposits ---------- 42,074 97 Trust Funds on DeposiL __ _ 
 
Advances on other Commodi- 
 
Cashier's Checks __________ _ 
 
Chteiecks s _f_o_r--C-l-e-a-r-in-g---H-o-u-s-e-_-_- 
 
-_-_-_-_-_-_ _- _- -_ 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
191 59 
 
Other Checks and Cash Items 
 
211 12 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money -- __ - ___ _ 
 
Ovaenrcdersaf-ts---(-i-f --a-n-y-)--_-_-_-_-__-_--_ 
 
--------02 
 
Liability on Letters of Credit, and Acceptances 
 
ROethveernuAe sSsettasm: ps ___ - _______ _ 
 
Reserve forinterestand Taxes 25 68 Other Liabilities ___ ----- __ 
 
156 71 
 
Tatal -------------------$243,157 84 To'tal -------------------$243,157 84 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 23,910 10 
Demand Loans ------------- 112,904 98 
 
Capital Stock Paid In ------$ 25,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 33,321 40 Surplus Fund -------------- 10,000 00 
 
United States Bonds -----Other Stocks and Bonds_____ 
 
18,900 00 1,000 00 
 
DUinvdiidveinddesd UPrnopfaiti!d' 
 
-_-_-_-_-_-_-_ -_ _- -_- 
 
6,673 64 16 00 
 
Banking House ------------ 10,548 43 Due to Banks in this State 
 
Furniture and Fixtures ____ Other Real Estate Owned __ 
 
2,429 20 ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r- _S_t_a_t_es_ 
 
Due from Banks in this State 19,773 85 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CG oulrdr e n_c_y_ _ _ _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ___ _ Advances on Cotton - _-----A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_ o_ _m_m_ _o_d_i_Checks for Clearing House__ 
 
178 82 4,949 00 
315 00 447 44 -------- _ 
_ _______ _ 
________ _ 
 
DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 118,867 01 
 
TipmoesitCe-r-t-if-i-c-a-te-s--o--f -D--e-p-o-s-!-L- 9,472 46 Savings Deposits _________ _ 40,472 61 
 
Trust Funds on DeposiL __ _ 
 
Cashier's Checks ------ __ - _ 
 
554 85 
 
Certified Checks --------- _-- 
 
114 67 
 
Bills Payable--------------- 15,000 00 
 
Other Checks and Cash Items 
 
459 84 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
O vaenrcdersa f t-s- - -(-i f- - a- -n-y-)- - -_-_-__- ---- -- 
 
Liability on Letters of Credit, and Acceptances 
 
Other Assets: Revenue Stamps ---------- _- 
 
33 
 
18 
 
ReasnedrvLe osfsoers I_n_t_e_r_e_s_t_, __T__a_x_es_ Other Liabilities __________ _ 
 
3,000 00 
 
Total --------------------$229,171 24 Total --------------------$229,171 24 
 
 FIRST ANNUAL REPORT 
 
149 
 
EXAMIJ.'II'EB'S BEPOBT. 
 
BANK OF COLLINS, COLLINS. 
 
President-L. 0. Benton. Vice-President-J. J. Kennedy. Cashiar-J. L. Mercer. 
 
Directors-L. 0. Benton, J. J. Kennedy, W. R. Purvis, L. Williams, D. H. Hol- 
 
land, F. M. \Yilliams, W. H. Youmas. 
 
Date of Charter-Octobe:r 14, 1905. 
 
Began Business-September 1, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ Demand Loans ____________ _ 
 
87,853 
 
48 
 
Capital Stock Paid In ------$ 25,000 Amt. Reserved for Branches 
 
00 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ 
 
10,000 00 10,400 00 
 
USunrdpivluids edFuPndrof-it-s---_-_-_-_-__-_-_-_--_ Dividends Unpaid _________ _ 
 
4,964 69 
 
Banking House ------------ 1,500 00 Due to Banks in this State 
 
Furniture and Fixtures.- __ _ Other Real Estate Owned __ 
 
1,700 00 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 3,806 75 Individual Deposits Subject to 
 
Due from Banks In other 
States ------------------Currency -----------------Gold ----- _-----------------ASidlvvearn,ceNsicoknelsC, oPtteonnn_i_e_s__-_-_-_--_ Advances on other CommodiChteiecks s -f-o-r--C-l-e-a-r-in--g--H--o-u-s-e-._- 
 
6,940 78 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
3,170 00 Time Certificates of Deposit 
 
20 00 676 34 
 
Savings Deposits ----------Trust Funds on Deposit ___ _ Cashier's Checks _________ _ 
 
Certified Checks ___________ _ 
 
Bills Payable _- _____ ----- __ 
 
564 25 Notes and Bills Rediscounted 
 
49,126 52 47,356 64 
1,015 47 
 
Other Checks and Cash Items 
 
118 00 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
Ovaenrcdersaf-ts--(-i-f-a-n-y--)--_-_-__-_--- -__--_ 
 
and Acceptances Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities----------- 
 
Total --------------------$127,463 32 Total --------------------$127,463 32 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ___ - _- __________ $ 82,648 93 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds _- __ _ 
 
--9-,6-8--9--9-2 
5,000 00 6,650 00 
 
Amt. Reserved for Branches SUunrdpilvuisdeFd uPndrof-it-s--_-_-_-_-_-_-_-_-_-_Dividends Unpaid _________ _ 
 
_____  __ _ - -3-,-41- 1- - -5-6 _ _______ _ 
 
Banking House ------------- 1,500 00 Due to Banks in this State --------- 
 
Furniture and Fixtures ----Other Real Estate Owned __ Due from Banks in this State 
 
1,700 00 
--6-,0-9-4---31- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_te_s_ Individual Deposits Subject to 
 
-_-_-_-_-__-_-_- -_ 
 
Due from Banks in other 
States ------------------Currency ------------------GS iol vl de r ,- -N- -i c-k- -e -l s-,- -P-e-n- n- -i e-s- - ---- -- -Advances on Cotton _______ _ Advances on other Commodi- 
 
2,011 05 5,243 00 
105 00 863 05 
--------- 
 
DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t STaimviengCs erDtiefipcoastietss o_f___D-e_p_o_s_i_t 
Trust Funds on Deposit_ ___ CCearsthifiieerd's CChheecckkss _--_-_-_-_-_-_-_-_-_-_-_ 
 
_4_5_,_1_0_8__46_ _3_7_,7_0__6__06_ 
--------_ ___7_0_2__1 8_ 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
Bills Payable ------------- 10,000 00 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -(-i f- - -a-n-y-)- - - - - - - - - 
 
LiaanbdilityAcocnepLteatntceerss of Credit, ________ _ Reserve for Interest and Taxes ________ _ 
 
Other Assets: 
 
Other Liabilities ------------ ------- 
 
War Savings Stamps ------- 
 
423 00 
 
Total --------------------$121,928 26 Total --------------------$121,928 26 
 
 150 
 
BANKING DEPARTMENT 
 
EXAllllilii'EB'S BEPOBT. 
 
MADISON COUNTY BANK, COLBERT. 
 
At Close of Business September 4, 1920. 
 
P.resident-J. K. Ghalston. Vice-President-J. F. Colbert. Cashler-J. L. Williams. 
 
Directors-J. K. Ghalston, J. F. Colbert, W. A. vVhiteworth, H. C. Hardman, 
 
H. H. Hart, \V. E. Hensler. 
 
Date of Charter-October 15, 1919. 
 
Began Business-August 28, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$159,671 56 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ,------------ 6,143 57 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ Other Stocks and Bonds _____ 
 
26,575 23 ----------------- 
 
USunrdpivluidsedFuPnrdofi-t-s------_---- -_-----_-_-_ Dividends Unpaid ___ - _____ _ 
 
11,654 52 
 
Banking House ------------- 2,250 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned ___ 
 
1,275 00 --------- 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
80,000 00 
 
Due from Banks in this State 
 
891 63 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
CGuorldrenc_y__ -_-_-__--_-_-_-__--_-_-_-_-__--_-__--_ 
 
832 72 _ _1_, 0__5_0__0 0_ 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-itTime Certificates of Deposit. Savings Deposits ----------- 
 
44,035 26,988 
 
63 76 
 
Silver, Nickels, Pennies_____ Advances on Cotton_________ A dt iveasn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i _- 
Checks for Clearing House._ Other Checks and Cash Items 
 
625 72 ________ _ 
________ _ ________ _ 
94 50 
 
Cashier's Checks ----------CBei lrltsi f iPe da yCa bhleec k s_ _ ____ _-_-_-_-_-_-_-_-_- -_ Notes and Bills Rediscounted CeBrtoirfricoawteesd MofoneDye_p_o_s_i_t___f_or_ 
 
332 58 25,000 00 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesOf__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
and Acceptances ________ _ Reserveforinterestand Taxes 
 
Overdrafts (if any) --------- 
 
784 21 Other Liabilities __________ _ 
 
Other Assets --------------- 2,827 35 
 
Total --------------------$203,011 49 Total --------------------$203,011 49 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------~---$121,862 10 Capital Stock Paid In ________ $ 15,000 00 
 
Demand Loans ------------- 5,363 04 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 29,434 85 Surplus Fund -------------- 3,000 00 
 
United States Bonds ________ Other Stocks and Bonds_____ 
 
--------________ _ 
 
UDnivdiidveinddeds 
 
PUrnopfaitisd -_-_-_-_-_-_-_-_-_--_ 
 
5,776 31 
 
Banking House -----------Furniture and Fixtures_____ Other Real Estate Owned ___ Due from Banks in this State DuSetatfersom___B__a_n_k_s___i_n___o_t_h_er_ 
Currency ------------------G8-olllvder,--N--i-c-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--_ Advances on Cotton _______ _ Advances on other CommodiChteiecsks -fo--r --c-l-e-a-r-in-g---H-o-u--s-e-._Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptar.~ces ________  ______  _. _ 
 
2,250 00 1,275 00 --------1,156 21 
3,000 40 2,615 00 
47 50 272 94 500 23 
-_-__- _- _-_-_-_- -_ ________ _ 
 _. __ _ 
 
Due to Banks in this State. Due to Banks in other States Call Money _______ -------- _ Individual Deposits Subject 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit. Savings Deposits ----------Trust Funds on Deposit. ___ _ CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ Bills Payable ______________ _ 
Notes and Bills Rediscounted CeBrtoirfricoawteesd MofoneDye_p_o_s_i_t___f_or_ 
Liability on Letters of Credit and Acceptances ________ _ 
 
13,500 00 30,000 00 
23,437 18 23,273 76 
220 58 22,000 00 31,772 94 
 
Overdrafts (If any) Other Assets 
 
-------- 
 
--------- 
 
ORethseerrvLeifaobriilnittieerses_ta__n_d__T__a_x_es_ 
 
FRiervee nFuuenSdt a-m- -p-s- -_-_-_-_-_-_-_ -_ _- _- _- -_ 
 
120 00 83 50 
 
---'---- 
 
Total --------------------$167,980 77 Total --------------------$167,980 77 
 
 FIRST .ANNUAL REPORT 
 
151 
 
EXAMDrEB'S B.EPOB.T. 
 
COLQUITT EXCHANGE BANK, COLQUITT. 
 
At Close of Business September 21, 1920. 
 
President-S. M. Watson. Vice-President-N. L. Stapleton. Cashier-B. F. Rawls. 
 
Directors-S. M. Watson, N. L. Stapleton, J. M. Shingler, L. E. Calhoun, L. 
 
Cowart, G. Boykin, W. C. Hays, C. H. Cross, W. R. Watson. 
 
Date of Charter-February 21, 1917. 
 
Began Business-June 1, 1917. 
 
RESOURCES 
 
LIABILITIES _--- 
 
Time Loans ----------------$ 30,906 75 Capital Stock Paid In _______ $ 25,QOO 00 
 
Demand Loans -------------- 5,915 92 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate Other Stocks and Bonds____ 
 
- -1~25o- iio 
 
Surplus Fund ______ ------Undivided Profits ---------- 
 
----------------- 
 
Banking House ------------- 3,249 25 Dividends Unpaid ____ ----- _ --------- 
 
Furniture and Fixtures______ 1,950 00 Due to Banks in this State__ 25,290 80 
 
Other Real Estate Owned____ ________ _ 
 
Due from Banks in this State 
 
54 98 
 
CDaulel tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_te_s_ 
 
-_-_-__- _-_-_-_- -_ 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States -------------------Currency -------------------GS iollvde r ,- -N- -i -c k- -e-l s-,- -P-e-n- -n-i e-s- - -_-__- -_- 
 
62 85 Check -------------------843 00 Demand Certificate of De- 
65 00 posits _-- _-- -------------1,185 41 Time Certificates of Deposit 
 
66,552 45 
2,000 00 10,923 51 
 
Advances on Cotton ------- _ 64,698 39 Savings Deposits ---------- 1,620 55 
 
A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_ m_ _m_ _o_d_i_- 
 
_____ ---- 
 
Trust Funds on Deposit ---Cashier's Checks ____ -- _---- 
 
----------------- 
 
Checks for Clearing House __ 
 
624 99 Certified Checks ------------ 
 
708 31 
 
Other Checks and Cash Items 8,638 94 Bills Payable ___ - __ - _------ --------- 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 5,502 42 
 
ters of. Credit and Accept- 
 
Certificates of Deposit for 
 
ances ----- ______ ---- ----- --------- Borrowed Money --------- --------- 
 
8~~~ri~~ef!: anY) - -- -- - -- - 
 
- -- - - -- - - 
 
Liability on Letters of Credit, and Acceptances 
 
Collection Acct _ ____________ 16,059 25 Reserve forinterestand Taxes --------- 
 
Cash Short ----------------- 487 26 Other Liabilities ----------- --------- 
 
Profit and Loss ----------- 1,606 05 
 
Total --------------------$137,598 04 Total --------------------$137,598 04 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________ ---- __ -$ Demand Loans ____________ _ 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ Furniture and Fixtures ___ _ Other Real Estate Owned __ _ 
 
24,980 91 1,275 00 
10,926 00 
1,250 00 3,249 25 2,685 00 
 
Capital Stock Paid In-------$ Amt. Reserved for Branches Surplus Fund _____ --- _____ _ 
Undivided Profits----------Dividends Unpaid __ -------Due to Banks in this State __ CDaulel tMo oBnaenyks__I_n__o_t_h_e_r__S_t_a_t_es_ 
 
25,000 00 15,143 54 
 
Due from Banks in this State Due from Banks in other 
 
3,204 60 IntdoiviCdhueacl k D_e_p_o_s_i_t_s___S-u-b_j_e_c_t 39,431 78 
 
States -----------------Currer"Y -----------------GSiollvder, -N--ic-k--e-ls-,--P-e-n--n-ie--s-_-__-_--_ Advances on Cotton ________ _ 
 
2 27 Demand Certificates of Deposit 629 00 Time Certificates of Deposit- 
60 00 Savings Deposits ----------1,818 47 Trust Funds on Deposit----37,431 73 Cashier's Checks ----------- 
 
5,954 12 1,180 33 
1,670 95 
 
Advances on other Commodi- 
 
Certified Checks ____ -------- 
 
369 31 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se---_- 
 
Bills Payable--------------Notes and Bills Rediscounted 5,502 42 
 
Other Checks and Cash Items 4, 709 99 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ____ ------ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaf-ts---(i-f--a-n-y-)---_-_-_~_-_-__--_ POrtohfeirt aAnsdseLtso:ss ____________ _ 
 
and Acceptances _____ - _-Reserveforlnterestand Taxes Other Liabilities _____ -- ___ - 
2,030 23 
 
Total --------------------$ 94,252 45 Total -~-----------------$ 94,252 45 
 
 152 
 
BANKING DEPARTMENT 
 
E:XAMINEB.'S B.EPOB.T. 
 
COLUMBUS SAVINGS BANK AND TRUST CO., COLUMBUS. 
 
At Close of Business OctobeT 13, 1920. 
 
President-G. Gunby Jordan. Vice-Presidents-H. B. Crowell, W. C. Bradley. 
 
Treas-H. B. Patterson. 
 
Directors-G. Gunby Jordan, H. B. Crowell, W. C. Bradley, L. H. Chappell, E. P. 
 
Dismukes, T. E. Golden, Robert Joerg, R. C. Jordan, Dan 
 
Joseph, Jas. A. Lewis, H. E. WoodTuff. 
 
Date of Charter-December 24, 1888. 
 
Began Business-April, 1889. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$ 682,054 67 Capital Stock Paid In _____ -$ 200,000 00 
 
Demand Loans __ ---- _____ 348,986 80 Amt. Reserved for Branches _________ _ 
 
Loans Secured by Real Estate United States Bonds______ 
 
________ _ 204,850 00 
 
USunrdpivluids edFuPnrdofi-ts---_-_-_-_-_-__-_--_ 
 
OBathnekrinSgtoHcokussean_d___B_o_n_d_s_______ 1,_2_1_2_,0_0__0__00_ 
 
Dividends Unpaid ________ _ Due to Banks in this State 
 
150,000 00 41,719 58 126 00 
_________ _ 
 
Furniture and Fixtures___ ---------- Due to Banks in other 
 
Other Real Estate Owned_ Due from Banks in this 
 
5,000 00 InSditvaitdeus al--D--e-p-o-s-i-ts--S--u-b-j-e-c-t ---------- 
 
State ------------------- 218,884 21 to Check---------------- 
 
Due from Banks in other 
 
Demand Certificates of De- 
 
7,092 98 
 
CuSrtraetnecsy --_-__-_-_-_-_-_--------------_-_-_ __2_2_,2-5- 5__ 7-1- TipmoesiCt e-rt-i-fi-c-a-t-e-s--o-f-D--e-p-o-s-i-t --7-7-,4-8-4---99- 
 
GS iollvde r , - -N-i-c-k-e-l -s .- -P- -e n- -n-i e-s-_-_-_-_- 
 
-_-_-_-_ _- _- _-_-_- -_ 
 
Savings Deposits -------- 2,175 999 42 Cashier's Checks ---------- ---------- 
 
Advances on Cotton ________ ---------- Certified Checks __ --------- ---- _____ _ 
 
Admvaondciteises on____o_th__e_r___C_o_m__- 
Checks for Clearing House Other Checks and Cash 
 
_ ________ _ 
 
Bills Payable ------------Notes and Bills Redis- 
 
_________ -. Cecrotiufnictaetdes---o-f--D--e-p-o-s-i-t --f-o-r 
 
------------------- 
 
Items -----------------Customers' Liability on Let- 
ters of Credit and Ac- 
 
169 19 Borrowed Money ------- ---------Liability on Letters of Credit and Acceptances__ _- _______ _ 
 
ceptances --------------- ---------- Reserve for Interest and 
 
Overdrafts (if any) -.----Other Assets ------------- 
 
---------21,847 39 
 
OtThaexr eLsia-b-i-li-t-ie-s---__------_-__-_-_--_ 
 
- -6-3-, 6-2-5- - -0-0 
 
Total -------------------$2,716,047 97 Total -------------------$2,716,047 97 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $ Demand Loans ___ -- ______ _ 
 
589,699 18 426,756 91 
 
Capital Stock Paid In _____ $ Amt. Reserved for Branches 
 
250,000 00 
 
Loans Secured by Real EsUntaitteed -S-t-a-t-e-s--B-o-n-d-s---_-__-_-_--_ 
 
169,938 38 USunrdpivluids edFuPnrdofi-ts---_-_-_-_-_-_-_-_-_ 204,850 00 Dividends Unpaid --------- 
 
162,500 00 15,805 11 42 00 
 
---------- OFuthrenritBuroendasnd---F-i-x-t-u-r-e-s---_-_ 1,211,500 00 
 
Due to Banks fn this State Due to Banks in other States 
 
Other Real Estate Owned __ Due from Banks in this 
 
5,000 00 IndtoiviCdhueaclkD_e_p_o_s_i_ts___S_u_b_j_e_c_t 
 
5,908 09 
 
D uSet a tfer o m- - - -B-a-n- -k-s- -J-n- - -o-t h- -e-r 
 
27,190 35 Demand Certificates of Deposit ------ ___ ---------- 
 
CGuoSlrdtraetne_cs_y_-__--_--_-------- -__-___-_-_--_--_--_--_--_--_------- 
 
7,281 55 Time Certificates of Deposit 68,334 99 Savings Deposits --------- 2,064,723 57 Trust Funds on Deposit__ 
 
Silver, Nickels, Pennies ___ _ 
 
Cashier's Checks _---- ____ _ 
 
Advances on Cotton _____ _ Admvoadnicteises o_n____o_t_h-e-r-- C__o_m_ _- 
 
CBeilrltsifiPeadyCabhleeck_s________-_-_-___-_-____ 100,000 00 Notes and Bills Redis- 
 
Checks for Clearing House 
 
counted----------------- 
 
Other Checks and Cash 
 
Certificates of Deposit for 
 
Items ------- __ --------- 
 
Borrowed Money -------- 
 
Customers' Liability on Let- 
 
Liability on Letters of 
 
ters of Credit and Ac- 
 
Credit and Acceptances __ 
 
ceptances -------------Overdrafts (if any) ------- 
 
ReTsaexrvees _f_o_r___In__te__re__s_t __a_n_d_ 
 
Other Assets ------------- 25,097 39 Other Liabilities _--------- - - - - - 
 
Total ------------------$2,667,313 76 Total ------------------$2,667,313 76 
 
 FIRST ANNUAL REPORT 
 
153 
 
E:X:AMINEB'S BEPOB'1'. 
 
COLUMBUS LOAN AND BANKING COMPANY, COLUMBUS. 
 
At Close of Business September 8, 1920. 
 
President-V. A. Cox. Vice-President-A. H. Bickerstaff. Cashier-T. A. Williams. 
 
Directors-V. A. Cox, A. H. Bickerstaff, J. M. Baird, J. W. Blackman, J. B. 
 
Everidge, T. H. Fort, H. Julius, P, W. Massicah, T. A. Williams. 
 
Date of Charter-May 29, 1914. 
 
Began Business-June 1, 1914. 
 
REfSOURCES 
 
LIABILITIES 
 
Time Loans ----------------$272,325 25 Capital Stock Paid In ______ $ 50,000 00 
 
Demand Loans ------------- 42,171 75 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 6,184 32 
 
United States Bonds________ 3,050 00 Undivided Profits ---------- 5,433 59 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 
 
24,00 
 
Banking House ------------ --------- Due to Banks 4n this State.. 
 
Furniture and Fixtures______ 3,634 70 Due to Banks in other States 
 
Other Real Estate Owned___ _________ Call Money ---------------- 
 
Due from Banks in this State 16,426 64 Individual Deposits Subject 
 
Due from Banks In other 
 
to Check ---------------- 161,629 88 
 
States ------------------GCoulrdr e n c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
16,311 50 Demand Certificates of De7,88354 0000 TipmoesitCe-rt-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
1,000 oo 
27,000 00 
 
Silver, Nickels, Pennies_____ 1,276 35 Savings Deposits ----------- 85,517 04 
 
Advances on Cotton _________ --------- Trust Funds on Deposit_ ___ _ 
 
Advances on other Commodities _____________________ 
Checks for Clearing House.. Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances ____________________ 
 
Cashier's Checks ----------_________ Certified Checks __ - _-------- 
2,481 45 Bills Payable -------------1,479 77 Notes Rnd Bills Rediscounted 
Certificates of Deposit for Borrowed Money---------- 
_________ Liability on Letters of Credit 
 
3o,ooo oo 
 
Overdrafts (if any) -------- --------- and Acceptances --------- 
 
Other Assets: 
 
Reserveforlnterestand Taxes 
 
Collection Account _________ 
 
48 00 Other Liabilities ----------- 
 
335 58 
 
Total --------------------$367,124 41 Total --------------------$367,124 41 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$231,119 65 Capital Stock Paid In. ______ $ 50,000 00 
 
Demand Loans - _- _-- ___ - ___ 40,770 16 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 27,150 00 Surplus Fund -------------- 
 
United States Bonds________ 3,050 00 Undivided Profits ---------- 
 
Other Stocks and Bonds.____ 
 
250 00 Dividends Unpaid __ ---- _--- 
 
6,184 32 6,902 74 
9 00 
 
Banking House ------------ --------- Due to Banks in this State __ Furniture and Fixtures______ 3,634 70 Due to Banks in other States 
 
Other Real Estate Owned ___ --------- Call Money .---------------- 
 
Due from Banks In this State 24,842 52 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ___ ----- _---- _--- 131,769 20 
 
States ------------------Currency ------------------Gold --------------------Silver, Nickels. Pennies_____ Advances on Cotton_________ 
 
8.220 98 Demand Certificates of De11,193 00 posit -------------------- 
102 50 Time Certificates of Deposit 1,715 00 Savings Deposits __ --------_________ Trust Funds on Deposit__--- 
 
1,000 00 33,000 00 83,298 80 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 
 
ties - _---- _--- ___________ _________ Certified Checks ___ --------- 
 
Checks for Clearing House__ 2,726 25 Bills Payable -------------- 44,000 00 Other Checks and Cash Items 1,456 77 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money_--------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any) -------- --------- and Accentances --------- 
 
Other Assets --------------- --------- Reserveforlnterestand Taxes Other Liabilities __ --------- 
 
67 47 
 
Total --------------------$356,231 53 Total --------------------$356,231 53 
 
 154 
 
BANKING DEPARTMENT 
 
EXAliiDI'EB.'S BEPOBT. 
 
HOME SAVINGS BANK, COLUMBUS. 
 
At Close of Business November 11, 1920. 
 
President-Rhodes Brown. Vice-President-Hi. L. Williams. Cashier-Wm. B. Langdon. 
Directors-Rhodes Brown, H. L. Williams, Wm. B. Langdon, Geo. A. Pearce, Chas. W. Mizell, C. E. Westbrook, Reuben Kyle, F. G. Power. 
 
Date of Chrurter-December 31, 1888. 
 
Began Business-April, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$775,006 8t Capital Stock Paid In_-- __ .$ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
51,615 50 ________ _ 
 
Amt. Reserved for Branches Surplus Fund ____________ _ 
 
________ _ 10,000 00 
 
United States Bonds________ 39,351 86 Other Stocks and Bonds ____ 495,946 15 Banking House _____________ ________ _ 
 
UDnivdiidveidnedds PUrnopfiatisd --_-_-_-_-_-__-_-_-- Due to Banks in this State__ 
 
9,222 79 94 50 
_ _______ _ 
 
Furniture and Fixtures ____ Other Real Estate Owned.. Due from Banks in this State 
 
3,198 5o 2,750 00 76,288 92 
 
DuSetatetso __B-a-n--k_s___i_n ___o_t_he. _r Call Money  ______________ 
 
________ _ ________ _ 
 
Due to Eanks in other 
 
Individual Deposits Subject to 
 
States ------------------Currency ------------------- 
 
14,145 74 
 
89 00 
 
DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
_- _-_-_-_-_-_-_- -_ 
 
Gold ____ - _________ --- ------ _-- ------ Time Certificates of Deposit 17,902 98 
 
Silver, Nickels, Penhies ____ 
 
15 05 Savings Deposits ----------1.335.523 31 
 
Advances on Cotton ________ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_ m_ _m_ _o_d_i_- 
 
_ _______ _ ________ _ 
 
CTarushsiteFr'us nCdhseocknsD. e_p_ _o_s_i_t_-_--_-_-_ Certified Checks _..... _. __ 
 
-_-_-_-_-_-_ _- _- -_ .. __ ..... 
 
Checks for Clear! ng House __ ________ _ Bills Payable __ .. _. ___ ___ 40,000 00 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted ________ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money  _______ .. _. _. __ . __ 
 
O vaenrcdersa f t-s---O- -f- -a-n-y-)- - -_-__- -------- 
 
-__.. _-_--- -_-__--_ 
 
Liability on Letters of Credit, and Acceptances ____ .. __ . _ 
 
__.. __ .. 
 
Other Assets--------------- 9,796 11 Reserve for Interest and Taxes 4,315 40 Other Liabilities ....... __ . 1,129 81 
 
TotaL ........ ______ ._ .. $1,468,188 79 Total ------------------$1,468,188 79 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans  _______ ...... $ 630,162 40 Capital Stock Paid In ____ .. $ 50,000 oo 
 
Demand Loans ---------- 50,915 50 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ----------- 
 
10,000 00 
 
UnEitsetdateSta-t-e-s--B-o-n-d-s---.-. -_-__--_ 
 
151,402 45 Undivided Profits .. _. _... 39,351 86 Dividends Unpaid .. ___  __ 
 
13,663 45 10 50 
 
Other Stocks and Bonds .... 490,983 65 Due to Banks in this State ---------- 
 
Banking House ... ____ . 
 
Individual Deposits Subject 
 
Furniture and Fixtures. __ . 
 
3,198 50 to Check -- .. _..... ".... _......... 
 
Other Real Estate Owned .. 2 750 00 Demand Certificates of De- 
 
Due from Banks in this DuSetatferos m---B-a-n--k-s--i-n---o-t-h-e-r 
 
16,340 44 Ti~:ib~rtlfl-ca-te-;_.- of-Dep_o_s,it - -22~o89- i 4 
Savings Deposits --------- 1,270,900 42 
 
CuSrtraetnecsy --_-__-_-_-_--. -__-- -_-. -_-__-_--_ 
 
13,716 89 Trust Funds on Deposi L __ _ .. ___ ... __ 2,000 00 Cashier's Checks .. ___ .... .. .. __ .. __ 
 
GSiollvder-, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-.-__ . -------3-61---11- 
 
Certified Checks ..... ____  Bills Payable ___ . _... ___ _ 
 
________ __ 40,000 00 
 
Advances on Cotton _. __ .. _____ .. __ . Notes and Bills Redis- 
 
Checks for Clearing House Other Checks and Cash 
 
... ___ .. _. Cecrotiufnictaetdes --o-f--D--e-p-o-s-it---fo--r 
 
---------- 
 
Items ....... -.. .. .. .. .. - .. - - .... - Borrowed Money _. _ - _  --  _ 
 
Customers' Liability on Let- 
 
Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances --- _. __ --- 
 
Ovanecrdesraf-t-s---O-f---a-n-y-)---.-.-.-. -_ Other Assets: 
 
-__- .- .- .-.- -__- -.-. 
 
Reserve for Interest and OtThaexr esLia-b-i-l-i-ti-e-s-:----~----- 
 
---------- 
 
Accrued Interest.__________ 
 
9,796 11 Unearned Interest __ ...... 
 
43 15 
 
Total -------------------$1,410,978 91 Total ___ : _______________ $1,410,978 91 
 
 FIRST .ANNUAL REPORT 
 
155 
 
EXAllllmEB'S BEPOBT. 
 
MERCHANTS & MECHANICS BANK, COLUMBUS. 
 
At Close of Business October 9, 1920. 
 
President-.T. B. Key. Vice-President-S. B. Hatcher. Cashier-J. A. Harley. 
 
Directors-J. B. Key, S. B. Hatcher, 0. C. Bulloch, G. A. Pearce, Drane Bulloch, 
 
J. B. Knight, Jr., R. "\V. Needham, Arthur Bussey, E. W. Swift, B. H. Hardaway. 
 
Date of ChaTter-August 25, 1872. 
 
Began Business-1872. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,004,418 74 
 
Demand Loans ---------- .. 514,971 41 
 
Loans Secured by Real Estate --------- 
 
United States Bonds . .     . .  12,025 41 
 
Other Stocks and Bonds...... 114,255 50 
 
Banking House ------------- 68,708 58 Furniture and Fixtures __ . _. _ Other Real Estate Owned-___ _.. ____ .. 
 
Due from Banks in this State 105,792 74 
 
Due from Banks in other 
States -------------------CGuolrdren_c.y. ___-_------. -_-__--.-..-.-----.-.-. Silver, NickeiR, Pennies. __ . Advances on Cotton _____ ... _ 
 
27,539 37 
 
27,144 00 
 
1,362 50 
 
742 50,263 
 
8899 
 
Advances on other Commodi- 
 
ties - .... - --------------Checks for Clearing- House._ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
--------19.275 35 25,908 19 
 
O va enrcdersa f-t s- - -(-i-f - -a-n-y-)- -_-_-_ -_ _- _- _- -_ 
Other Assets: Transit Account ------------ 
 
456 01 4,759 H 
 
Capital Stock Paid ln.... $200,000 00 Amt. Reserved for Branches ___ .. ___ _ 
 
Surplus Fund -------------- 200,000 00 DUinvdiidveinddeds UPnrpoafiidts __-_----__----_-_ 2_7_,_0_24. __48_ 
 
Due to Banks in this State... 1,076 12 CDaulel MtooBneaynk_s__I_n__o_t_h_e_r S__ta__te_s_ __8_,5_8_3___76_ 
 
Individual Deposits Subject to 
 
DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
762,762 17,000 
 
64 00 
 
Time Certificates of Deposit. 35,697 28 
 
Savings Deposits ----------- 545,643 80 
 
CCearsthifiieerd's CChheecckkss __-_-_-.--__-_-_-_-_--_ Bills Payable  ____________ _ 
 
602 4,222 175,000 
 
47 71 
00 
 
Notes and Bills Rediscounted --------- 
 
Certificates of Deposit for Borrowed Money _.. ______ ______ . 
 
Liability on Letters of Credit, and Acceptances __ ..... __ . 
Reserve for Interest and Taxes 
Other Liabilities: Cash Long ______ . _____  __ 
 
___ . ____ _ ________ _ 
10 48 
 
Total -------------------$1,977,623 74 Total -------------------$1,977,623 74 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$830,210 10 Capital Stock Paid ln ..... $200,000 00 
 
Demand Loans ------------- 523,455 20 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 93,224 13 Surplus Fund -------------- 200,000 00 
 
United States Bonds -------- --------- Undivided Profits ---------- 31,991 4 4 
 
Other Stocks and Bonds----Banking House ___ . _________ 
 
--------98,921 87 
 
Dividends Unpaid----------Due to Banks in this State._ 
 
--------351 47 
 
Furniture and Fixtures ______ Other Real Estate Owned ____ 
 
----------------- 
 
CDaulel MtooBneaynk_s__In _o_th__e_r_S__ta_t_e_s_ 
 
_ _8_, 6_1_8___78_ 
 
Due from Banks in this State 102,971 53 Individual Deposits Subject to 
 
Due from Banks in other 
 
States ------------------- 
 
CG uo lrdr e n~ c.y. . 
 
. 
 
----------- 
 
- 
 
--------- 
 
----------- 
 
Silver, NickeiR, Pennies. ___ . 
 
Advances on Cotton ________ _ 
 
68,905 
 
65 
 
D eCmhaencdk C-e-r-t i-f-i c- a- t-e-s- -o-f-D- e- p- -o-s-i t- 
 
687.351 82 500 
 
41 00 
 
52,798 00 Time Certificates of Deposit. ~8.597 28 
 
5,145 00 Savings Deposits _______  __ 571,512 00 
 
4,721 12 Trust Fund on Deposit------ --------- 
 
27,089 01 Cashier's Checks------------ 12.896 22 
 
Advances on other Commodi- 
 
Certified Checks ------------ 2.954 09 
 
ties . _... ---------------- -- ------- Bills Payable--------------- 150,000 00 Checks for Clearing- House._ ~o.342 99 Notes and Bills Rediscounted __  ____ _ 
 
Other Checks and Cash Items 9,700 80 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money  __  _____ ___  ____  
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances __ ... ____ . 
 
___ ... __ _ 
 
Overdrafts (if any) . ____ .. __ Other Assets _______________ 
 
_ _5_, 0_2_7___38_ 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
___ . ____ _ --------- 
 
Total -------------------$1,986,773 69 Total -------------------$1,986,773 69 
 
 156 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
MUSCOGEE BANK, COLUMBUS. 
 
At Close of Business September 9, 1920. 
 
p,resident-J. M. Murrah. Vice-President-S. J. McMath. Cashier-J. Douglas Neill. 
 
Directors-J. M. Murrah, S. J. McMath, F. C. Reich, W. A. Scott, T. T. Miller. 
 
E. L. Murrah, Willard Cooper. 
 
Date of Charter-December 6, 1913. 
 
Began Business-January 2, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$290,065 39 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 50,784 69 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds-------- 
 
________ _ 4,400 00 
 
SUunrdpilvuids edFuPnrdofi-t-s--_-_-_-_-_-_-_-_-_-_-_ 
 
12,500 00 21,799 55 
 
Other Stocks and Bonds ______ 18,000 00 Dividends Unpaid ______ - ___ _ 
 
Banking House ______ - __ ____ ___ - -- __ _ Due to Banks in this State __ 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
6,500 00 ________ _ 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 21,935 73 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuorldren_c_y__ _--_-_-_-_-__--_-_-_-_-_-__--_-_-__--_ 
Silver, Nickels, Pennies_____ Advances on Cotton_________ Advances on other Commodi- 
 
32,026 90 _3_1_,5__9_0__00_ 
1,638 69 
 
DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ 
CSaavshiniegrs'sDCephoecskitss _----__-_-_-_--- -__--_ 
 
210,819 2,325 
161,426 518 
 
21 00 
57 04 
 
________ _ CBeilrltsifiPeadyaCbhleeck_s___-_-_-_-_-_-_-_-_-_-_--_ 
 
76 00 
 
Chteiecsks --fo--r--C-l-e-a-r-in--g--H-o-u--se-_-_- 
 
- -3-,-3-5-1 - -6-7 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 1,432 73 Borrowed Money _____ - __ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
Ovaenrcdersaf-ts- _(_i_f__a-n_y-)---_-_-_-_-_-_-_-_ 
 
_- -_-_-_-_ _- _- __-_ 
 
Reserve for Interest and Taxes Other Liabilities _______ - __ _ 
 
2,359 00 
 
Other Assets: 
 
Cash Short ---------------Collection Account---------- 
 
52 91 44 66 
 
Total---------------------$461,823 37 Total---------------------$461,823 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$220,300 80 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 61,904 69 Amt. Reserved for Branches Loans Secured by Real Estate 74, 707 88 Surplus Fund -------------- 12.500 00 United States Bonds_________ 4,400 00 Undivided Profits - _----- __ _ 26,294 59 
 
OBathnekrinBgoHnoduss-e--_-_-_-_-_-_--_-_-_-_-_-_-_ _1_8_,0_0_0__0_0_ DDuiveidteondBsaUnknspianidth--is--S--t-a-te--__- 
 
Furniture and Fixtures_____ 7,039 00 Due to Banks in other States 
 
Other Real Estate Owned ____ ---------,Call Money----------------- 
 
Due from Banks in this State 18,114 06 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 203,672 33 
 
States ------------------- 29.473 83 Demand Certificates of Deposit 1,600 00 
 
Currency ------------------ 
Gold ----------------------Silver, Nickels, Pennies______ Advances on Cotton _________ Advances on other Commodi- 
ties ______________________ 
 
41,228 00 317 50 
2,005 42 --------- 
_______ .. 
 
Time Certificates of DeposiL 
 
Savings Deposits ----------- 174,487 10 
 
Trust Fund on Deposit ------ 
 
Cashier's Checks ----------- 
 
336 30. 
 
Certified Checks --- __ - __ - __ _ 
 
139 00 
 
Bills Payable- __ --- ____ -- __ _ 15,000 00 
 
Checks for Clearing House._ 4,856 64 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,681 50 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ ____ _____ LiaanbdiliAtyccoenptLaentcteesrs_o__f_C__re__d_it_, 
 
Overdrafts (if any) ________ _________ Reserve for Interest and Taxes Other Assets _______________ _________ Other Liabilities ______ -- __ _ 
 
Total _____________________ $484,029 32 Total _________________ ... $484,029 32 
 
 FIRST ANNUAL RmoRT 
 
157 
 
-------------------------------- 
 
EXAMilfEB'S BEPOB'l'. 
 
PHOENIX BANK, COLUMBUS. 
 
At Close of Bus-iness November 12, 1920. 
 
President-R P. Spencer, Jr. Cashier-C. W. Campbell. 
 
Directors-R. P. Spencer, Jr., C. W. Campbell, E. S. Waddell, H. C. McCutchen. 
 
Date of Charter-November, 1905. 
 
Began Business-November, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$291,406 73 Capital Stock Paid In _______ $ 39,200 00 
 
Demand Loans ------------- 101,964 64 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 
 
United States Bonds________ 5.071 40 Undivided Profits ----------- 17,815 90 
 
Other Stocks and Bonds______ 
 
500 00 Dividends Unpaid ---------- 
 
108 00 
 
Banking House ------------- --------- Due to Banks in this State __ 
 
70 55 
 
Furniture and Fixtures_____ 5,990 38 Due to Banks in other States 
 
Other Real Estate Owned ____ 15,511 25 Call Money----------------- 
 
DDuuee frforommBaBnaknskisn tihnis oStthaeter 10,509 63 InCdihveicdkua_l_D__e_p_o_s_i_ts__S_u_b__je_c_t__to_ 180,325 00 
 
States ------------------- 9,604 01 Demand Certificates ofDeposit 1,000 00 Currency ___ -- ____ - ____ - ___ 11,776 00 Time Certificates of Deposit_ 
 
GSiollvder,--N-i-c-k-e-l-s-, -P--en--n-ie-s-_-_-_-_-_-_- 
 
21,,306408 
 
0460 
 
SCaavsihnigers'sDCephoesciktss 
 
-_ -_ _- _- _-_-_-_-_-_- -_ 
 
177,366 18 
 
75 00 
 
Advances on Cotton _________ --.------- Certified Checks ------------ 
 
415 57 
 
Advances on other Commodi- 
 
Bills Payable--------------- 40,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted Checks for Clearing House__ - ___ --- __ Certificates of Deposit for 
 
Other Checks and Cash Items 
 
383 90 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
ances -------------------- --------- Reserve forinterestandTaxes 
 
Overdrafts (if any) -------- --------- Ather Liabilities ----------- 
 
294 63 
 
Other Assets --------------- 
 
488 00 
 
Total---------------------$456,614 40 TotaL--------------------$456,614 40 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$229,779 16 Capital Stock Paid In _______ $ 39,200 00 
 
Demand Loans ------------- 95,350 16 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 47,196 :10 Surplus Fund -------------- 
 
United States Bonds________ 5,071 40 Undivided Profits ----------- 18,867 75 
 
Other Stocks and Bonds______ 
 
500 00 Dividends Unpaid ---------- 
 
108 00 
 
Banking House _____________ _________ Due to Banks in this State __ 1,235 99 
 
Furniture and Fixtures_____ 5, 990 38 Due to Banks in other States 
 
Other Real Estate Owned ____ 15,494 25 Call Money----------------- 
 
Due from Banl<s in this State 6,959 58 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check _--- __ -- ___ - _______ _ 160,625 37 
 
States -------------------- 12,860 49 Demand Certificates of Deposit Currency __________________ 8,804 00 Time Certificates of Deposit_ 2.000 00 
 
Gold ----------------------- 1,202 50 Savings Deposits ----------- 176,073 41 Silver, Nickels, Pennies-____ 1, 622 64 Trust Fund on Deposit __ - __ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
33 75 
 
Advances on other Commodi- 
 
Certified Checks - __ --- __ -- __ 
 
588 27 
 
ties ---------------------- _________ Bills Payable -------------- 40,000 00 
 
Checks for Clearing House__ 5.053 36 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2,848 32 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -- ___ -- __ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
Ovanercdersaft-s--(-i-f--a-n-y-)---_-_-_-_-_-_-_-_ _-_--_-_-_-_-_-_-_ ReasnedrvAe cfcoerpItnatnecreesst-a-n-d--T-a-x-e-s- 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total---------------------$438,732 54 Total _____________________ $438,732 54 
 
 158 
 
BANKING DEPARTMENT 
 
E:XAMINEB.'S B.EPOB.'l'. 
 
COMER BANK, COMER. 
 
At Close of Business September 1, 1920. 
 
President-J. K. Gholston. Vice-PTesident-G. W. Whitehead. 
 
Cashier-W. E. Henslee. 
 
Directors-J. K. Gholston, Geo. W. Whitehead, W. E. Henslee, J. D. McWhorter. 
 
Date of Charter-January 23, 1900. 
 
Began Business-February 2, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$236,232 70 Capital Stock Paid In ______ -$ 25,000 00 
 
Demand Loans 
 
74,521 55 Amt. Reserved for Branches 
 
Loans Secured by- R"e-a:1- E-;;ta.te 21,194 78 Surplus Fund -------------- 25,000 00 
 
United Other 
 
States Stocks 
 
aBnodnBdso-n_d-s-_-_-_-_-_- 
 
3,650 00 1,500 00 
 
Undivided Profits ----------Dividends Unpaid _____ ---- __ 
 
19,614 14 12 00 
 
 
 
Banking House Furniture and 
 
F-ix--tu--r-e-s-_-_-_-_-_ 
 
Other Real Estate Owned ____ 
 
Due from Banks in this State 
 
Due from Banks in other 
 
CGsiuolSlrvdtreaertn~e-csyN'ic-k--:-e-i--~--.------:--P--;;--;--;~--;--ie--s--= --=--=--=--= 
 
1,840 00 2,062 53 
----------------- 
376 20 980 00 216 00 821 45 
 
Due to Banks in this State __ _ Due to Banks in other States Call Money ----------------Individual Deposits Subject to 
DeCmhaenckd C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------Cashier's Checks ------------ 
 
3,843 
47,000 
117,636 
58,175 7,047 464 
 
81 
00 
01 
86 26 06 
 
Advances on Cotton_------ __ Advances on other Commodi- 
 
--------- 
 
Certified Checks ______ - _--- _ Bills Payable ______________ _ 
 
50,000 00 
 
- ties 
Checks 
 
fo~- c-lea~!r;g.- ii~lise= = 
 
-----27---0-0 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 
 
611 80 Borrowed Money _------ __ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
OOtvahenercrderAsa fst-ss-e-t(s-i-f--a--n--y-- --) -- ------------------------ --- 
 
--------- 
5,711 17 4,037 96 
 
ORethseerrveLifaobriIlnittieerses_t_a_n_d__T_a__x_es_ 
 
Total ---------------------$353,793 14 Total ---------------------$353,793 14 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$239,948 89 Capital Stock Paid In ______ -$ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
42.105 33,4 01 
 
94 05 
 
SAumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c_h__es_ 
 
25,000 00 
 
United States Bonds--------Other Stocks and Bonds_____ 
 
3,650 00 1,500 00 
 
UDnivdiidveidnedds UPrnopfaitids -_-_-_-_-_-__-_-_-_--_ 
 
13,516 76 12 00 
 
Banking House ------------ 1,840 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
2.229 18 --------- 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
32,000 00 
 
Due from Banks in this State 11,852 10 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GC oulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- -_ Silver, Nickels, Pennies __ - __ 
 
2,543 66 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 1,410 00 Time Certificates of Deposit_ 
201 00 Savings Deposits ----------970 00 Trust Fund on Deposit _____ _ 
 
89,170 90 
46,525 47 8,551 40 
 
Advances on Cotton_-------Advances on other Commodi- 
ties _____ ------- __ -- _--- __ 
 
5,385 00 CCearsthifiieerd's CChheecckkss _-_-_-__-_-_-_-_-_-_--_ _--- ----- Bills Payable ______________ _ 
 
3,023 92 59,000 00 
 
Checks for Clearing- House__ ____ --- __ Notes and Bills Rediscounted 51,500 00 
 
Other Checks and Cash Items 1,427 63 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _________ ----------- --------- and Acceptances ---------- 
 
Overdrafts (If any) ------ __ 1,305 55 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities _________ - _ 
 
Depo~<itors' Guarantee Fund_ 3,410 45 
 
Mutual F'ire F'und __ - _------ 
 
120 00 
 
Total _____________________ $353,300 45 Total _____________________ $353,300 45 
 
 FIRST ANNUAL REPORT 
 
159 
 
EXAMilii'EB'S BEPOB'l'. 
 
PEOPLES BANK, COMER. 
 
President-W. A. Rowe. Vice-President-D. P. Moon. Cashier-C. v. Ridgway, 
 
Directors-W. A. Rowe, D. P. Moon, C. V. Ridgway, L. E. Roper, J. N. B. 
 
Thompson. 
 
Date of Charter-March 25, 1907. 
 
Began Business-March 2, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$159,187 46 Capital Stock Paid In-------$ 25,000 00 
 
Demand Loans-------------Loans Secured by Real Estate 
 
35,607 36 14,183 99 
 
SAumrpt.luRs eFsuenrvded___f_o_r__B_r_a_n__c_h_es_ 
 
18,000 00 
 
United States Bonds________ 4,000 00 Undivided Profits----------- 4,522 29 
 
Other Stocks and Bonds----- --------- Dividends Unpaid----------- 
 
Banking House ------------- 4,000 00 Due to Banks In this State __ 
 
Furniture and Fixtures______ Other Real Estate Owned ____ 
 
2,4 70 00 --------- 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 12,248 72 Individual Deposits Subject to 
 
Due from Banks in other 
States -----------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-__- -_ Advances on Cotton_________ Adtvieasnc_e_s__o_n_ _o_t_h_e_r__C_o_m__m__o_d_i-_ 
 
5,499 09 3,075 00 
77 50 ____5_8_5__72_ 
________ _ 
 
DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 108,853 97 
 
Time Certificates of DeposiL 30,401 43 Savings Deposits - ___ - __ -- __ 
 
Trust Funds on Deposit-- __ _ 
 
Cashier's Checks _-- _------ __ Certified Checks ___________ _ 
 
56 49 
 
Bills Payable--------------- 60,000 00 
 
Checks for Clearing House __ 5,483 16 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
227 !!5 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances ___ - _______ ----- __ -- --------- and Acceptances ---------- 
 
Overdrafts_(if any)--------Other Assets --------------- 
 
--------188 93 
 
Reserve for Interest and Taxes Other Liabilities _______ - __ _ 
 
Total---------------------$248,083 13 Total _____________________ $248,083 13 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$108,756 12 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ------------- 77,989 76 Amt. Reserved for Branches Loans Secured by Real Estate --------- Surplus Fund--------------- 18,000 00 United States Bonds________ 4,000 00 Undivided Profits ----------- 2,212 18 Other Stocks and Bonds _____ _________ Dividends Unpaid _________ _ 
 
Banking House _____________ 4,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures-_____ 2,4 70 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money-----------"----- 
 
Due from Banks in this State 12,513 12 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------- 
 
States ------------------- 4,263 06 Demand Certificates of Deposit 
 
Currency ------------------- 2,180 00 Time Certificates of DeposiL 
 
-Gold ---- ___ - __ - ______ - ___ __ 
 
57 50 Savings Deposits ____ -- ____ _ 
 
63,582 66 21,907 54 
 
Silver, Nickels, Pennies_____ 1,036 13 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks------------ 
 
Advances on other Commodi- 
 
Certified Checks ____ - ______ _ 
 
ties _- ___ -- ____________ __ _ _________ Bills Payable _______ - ______ _ 
 
Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
Other Checks and Cash Items Custctmers' Liability on Let- 
 
569 54 Certificates of Deposit for Borrowed Money _- ______ _ 
 
1,162 64 
67,500 00 18,708 80 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ ___ ______ LiaanbdiliAtyccoenptLaentcteesrs_o__f_C__r_e_d_it_, 
 
Overdrafts (if any) ___ - _____ 238 59 Reserve for Interest and Taxes Other Assets _______________ _________ Other Liabilities __________ _ 
 
Total---------------------$218,073 82 Total-----------------~---$218,073 82 
 
 160 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
COMMERCE BANK AND TRUST COMPANY, COMMERCE. 
 
At Close of Business August 18, 1920. 
 
President-Geo. T. Rice. Vice-Pres,ident-W. B. Burns. Ca:shieT-0. Walton. Directors-Geo. T. Rice, W. B. Burns, M. T. Sanders, W. B. Rice, A. D. Harris, R. C. Nix, A. P. Rice, T. F. Wright, J. W. T. Lord, W. B. Smith, C. M. Scroggins. 
 
Date of Charter-September 9, 1919. 
 
Began Business-September 2, 1919. 
 
RESOURCES 
 
LIABI LI'l'IES 
 
Time Loans ----------------$213,797 84 Captial Stock Paid In _______ $100,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
7,849 00 30,000 00 
 
ASumrtp.luRs esFeurnvded __fo__r __B_ r_a_n_ c_h_e_s_ 
 
________ _ 
 
United States Bonds_________ Other Stocks and Bonds _____ 
 
4,600 00 ________ _ 
 
UDnivdiidveidnedds UPnropfaiitds 
 
_-_-_-_--- -_-_-_-_-_-_ 
 
__3_,_9_6_1__63_ 
 
Banking House ____ ___ ______ 17,714 61 Due to Banks in this State __ --------- 
 
Furniture and Fixtures_____ Other Real Estate Owned __ 
 
7,845 53 --------- 
 
Due to Banks in other States Call Money _________________ 
 
________ _ ________ _ 
 
Due from Banks in this State 25,111 99 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ Advances on Cotton _________ 
 
14,403 23 7,061 00 10 00 
940 73 --------- 
 
DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 1-1_1_,_04- 4__ 8- 5_ Time Certificates of Deposit_ 51,097 00 
Savings Deposits----------- --------CCearsthifiieerd's CChheecckkss __-_-_----- -_-_-_-_-_-_ __5_,0_9_6___63_ 
 
A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
60,000 00 --------- 
 
Checks for Clearing House__ 
 
868 20 Certificates of Deposit for 
 
Other Checks and Cash Items 1,047 50 Borrowed Moriey _________ ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t _- 
 
and Acceptances __ -- _----________ _ Reserve for Interest and Taxes 
 
______ -- _ ______ - __ 
 
Overdrafts (if any) ________ _ Other Assets _____________ . _ 
 
_ __1__8_0__90_ 
 
Other 
 
Liabilities----------- 
 
130 42 
 
Total---------------------$331,330 53 Total _____________________ $331,330 53 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$187,386 25 Captial Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 5,566 31 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 32,722 66 Surplus Fund -------------- --------- 
 
United States Bonds_________ 
 
900 00 Undivided Profits ----------- 1,649 35 
 
Other Stocks and Bonds_____ 3,000 00 Dividends Unpaid----------- --------- 
 
Banking House ------------- 19,101 9~ Due to Banks in this State __ --------- 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
8,333 65 --------- 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r_S__t_a_te_s_ 
 
-_ -_-_-_-_ _- _- _- -_ 
 
Due from Banks in this State .16,701 31 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------- 74,705 18 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P-e- n- -n-i e- s- - -_-__- -_ Advances on Cotton ________ _ 
 
2,311 40 DemandCertificates ofDeposit 7,431 00 Time Certificates of Deposit- 
800 00 Savings Deposits ----------381 25 Trust Funds on Deposit ____ 4,593 63 Cashier's Checks _---- __ ---- 
 
--------24,097 00 ----------------- 
2,451 73 
 
A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
Certified Checks ____ -- ___ --________ _ Bills Payable -------------- 
 
___ ----- _ 40,000 00 
 
Checks for Clearing- House __ 3,714 77 Notes and Bills Rediscounted 51,311 05 
 
Other Checks and Cash Items 1,270 10 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-- ___ --- _-------- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances __ -- _----- 
 
- _------- 
 
Overdrafts (if any) ____ - ____ Other Assets _______________ 
 
- _______ ________ _ 
 
Reserve for Interest and Taxes Other Liabilities ____ - ___ --- 
 
_-------_- _------ 
 
Total _____________________ $294,214 31 TotaL _____________ --- ___ -$294,214 31 
 
 FIRST ANNUAL REPORT 
 
161 
 
EXAllllDrEB'S BEPOBT. 
 
NORTHEASTERN BANKING COMPANY, COMMERCE. 
 
At Close of Business October 16, 1920. 
 
President-L. G. Hardman. Vice-President-W. Y. Harber. Cashier-C. J. Hood. 
 
Directors-L. G. Hardman, VV. Y. Harber, C. J. Hood, A. B. Dedwilder, W. W. 
 
Stark, A. P. Rice, C. D. Stark, H. R. Harber. 
 
Date of Charter-Act of Legislature, 1892. 
 
Began Business-1892. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$419,987 27 Capital Stock Paid In _______ $100,000 00 Demand Loans ------------- 53,012 92 Amt. Reserved for Branches - _------Loans Secured by Real Estate 115,467 89 Surplus Fund -------------- 60,000 ou 
 
United States Bonds--------- 95,912 32 Undivided Profits ----------- 3,796 01 
 
Other Stocks and Bonds_____ 
Banking House ------------l<~urniture and Fixtures_____ Other Real Estate Owned ____ Due from Banks in this State 
 
4,800 00 
5,000 oo 
3,615 00 --------71,934 29 
 
Dividends Unpaid----------Due to Banks in this State_Due to Banks in other States Call Money __ -- _-- ___ -- _---Individual Deposits Subject to 
 
--------------------------------- 
 
Due from Banks in other 
States ------------------CGuorldren_c_y____----------_-_-__----- -_-----_-----Silver, Nickels, Pennies____ _ Advances on Cotton ________ _ 
A dt iveasn c_e_s_ _o_n__o_ t_h_e_r__C_o_m_ _m_ _o_d_i_- 
 
Check -------------------- 288,830 94 
 
822 9,324 
 
44 00 
 
DemandCertificates ofDeposit --------Time Certificates of Deposit 191,056 89 
 
2,887 837 
 
00 27 
 
Savings Deposits ----------Trust Funds on Deposit_ ____ 
 
----------------- 
 
25,662 73 Cashier's Checks ----------- 
 
29 93 
 
________ _ 
 
Certified Checks _----------Bills Payable -------------- 
 
--------90,000 00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 66,904 01 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-------- --------- 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t -_ 
 
Liability on Letters of Credit, ________ _ and Acceptances ---------- 
 
--------- 
 
Overdrafts (if any) _________ ________ _ Reserve for Interest and Taxes 339 32 
 
Other Assets: 
 
Other Liabilities: 
 
OC avsehr d r-a-f-t s- - -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
1 31 Current Credits ------------ 42,809 39 20 59 
 
TotaL--------------------$843,766 49 Total---------------------$843,766 49 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$395 771 84 Capital Stock Paid In ____ -_ -$100,000 00 Demand Loans ------------- 1:294 27 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 115 467 89 United States Bonds _________ 95:912 3Z 
 
USunrdpilvuids edFuPnrdofi-t-s--_-_-_-_-_-_-_-_-_-_-_ 
 
609,,050608 0004 
 
Other Stocks and Bonds_____ 4 800 00 Dividends Unpaid ---------- --------Banking House _- ___________ 5' 000 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
3:615 00 --------- 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_te_s_ 
 
_- -_ _- _-_-_-_-_- -_ 
 
Due from Banks in this State 52,936 23 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-__- -_ Advances on Cotton _______ _ Advances on other Commodi- 
 
68,045 2 4 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 2-6_0-,4- 6_0_ --70_ 
 
6,707 1,330 
 
00 00 
 
Time Certificates of Deposit- 184,938 21 Savings Deposits ___________ ______ -- _ 
 
719 74 Trust Funds on Deposit_ ____ --------- 
 
10,117 25 Cashier's Checks---------- 
 
193 73 
 
Certified Checks ________ -- __ - _-- _--- _ 
 
ties ---------------------- 2,844 94 Bills Payable--------------- 100,000 00 Checks for Clearing House-_ 4,020 25 Notes and Bills Rediscounted 59,083 07 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ - ___ - __ _-------- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances __ -------- 
 
--------- 
 
Overdrafts (if any) ________ _ Other Assets _______________ 
 
_ _____1__10_ 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
339 32 --------- 
 
TotaL------------ ____ ----$774,583 07 Total _____________________ $774,583 07 
 
l 
 
 162 
 
BANKING DEPARTMENT 
 
EXAliii:IliEB.'S B.EPOB.T. 
 
CONCORD BANKING COMPANY, CONCORD. 
 
At Close of Business September 20, 1920. 
 
President-C. T. Smith. Vice-President-G. E. Strickland. Cashier-S. A. King. 
 
Directors-C. '1'. Smith, G. E. Strickland, W. J. Coggins, R. A. Mallory, R. H. 
 
Strickland. 
 
Date of Charte.r-O'ctober 29, 1903. 
 
Began Business-Novembe-r 18, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$108,001 55 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
32,168 65 ________ _ 
 
ASumrtp.luRs eFseurnvded __f_o_r__B_r_a_n__c_h_es_ 
 
20,000 00 
 
United States Bonds _________ 46,350 00 Undivided Profits ----------- 16,492 97 
 
OBathnekrinSgtoHcokus saend_--B_o_n_d_s___________ 
 
-_-_-_-_-_-_ _- _- -_ 
 
Dividends Unpaid _- _--- _- _Due to Banks in this State.- 
 
Furniture and Fixtures______ 2,500 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ____ - ___ - _- _- _- _- 
 
Due from Banks in this State Due from Banks in other 
States ------------------CGuolrdren_c_y___-_-_-_-__--_-_-_-_-_-_-_-_-_-_ -_-_-_ 
 
22,497 33 Individual Deposits Subject to 
 
5,440 71 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
3,14165 
 
0000 
 
Time Certificates Savings Deposits 
 
of Deposit_ __________ _ 
 
90,649 38 39,858 58 
 
Silver, Nickels, Pennies_____ Advances on Cotton _________ A dt iveasn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
Checks for Clearing House.. Other Checks and Cash Items 
 
450 34 Cashier's Checks - _------- _--------- CBeilrltsifiPedayCabhleecks_________- ___- ___-_-_-__-_ ________ _ Notes and Bills Rediscounted 
216 84 Certificates of Deposit for ________ _ Borrowed Money ________ _ 
 
553 92 30,000 00 
 
Customers' Liability on Let- 
 
Liability of Letters of Credit, 
 
.at enrcse so f__C_r_e_d_i_t_ _a_n_d_ _A__c_c_e_p_t_- 
 
________ _ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
OOvtheerrdrAafstsset(sif__an- y__) _-_-_-_-_-_-_-_-_-_ 
 
_ _1_,7_7_1___12_ 
 
Other Liabilities: Cash Long - _- _- _- _--- _-.- _- 
 
2 69 
 
Total---------------------$222,557 54 TotaL _________ -----------$222,557 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosan-s--- -_-__-_-_-_-_-_-_-_-_-_$ 
 
62,524 27,695 
 
96 64 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
25,000 
 
00 
 
Loans Secured by Real Estate United States Bonds ________ _ 
Other Stocks and Bonds ____ _ Banking House - _- _- _______ _ Furniture and Fixtures. ____ _ Other Real Estate Owned. __ _ 
 
36,423 90 Surplus Fund -------------32,85 00 Undivided Profits ----------Dividends Unpaid ____ - _---- _ 
Due to Banks in this State._ 2,500 00 CDaulel Mtoo'nBeaynk_s__i_n__o_t_h_e_r_ S- _t_a_t_es_ 
 
20,000 00 11,126 45 
 
Due from Banks in this State 25,238 80 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-.-_-__--_ Advances on Cotton ________ _ 
 
11,645 43 
2,913 00 60 00 
830 98 
 
DeCmhaenckd C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 110,032 85 
 
Time Certificates of DeposiL 38,883 58 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks ___ - _- _- _- _ 
 
504 18 
 
Advances on other CommodiC htei ecsk s - -f o- -r - -C-l-e-a-r-i n-g- - -H-o-u- -s -e-. _- 
 
Certified Checks __ ---------Bills Payable _______ - _- _- _- _ ~otes and Bills Rediscounted 
 
8,000 00 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_-_ _- _-_- -_ 
 
and Acceptances __ --- _---1,864 35 Reserve for Interest and Taxes 
 
Other Assets: 
 
U. S. Treas. Certificates _____ _ 10,000 00 
 
Total---------------------$214,547 06 TotaL ___________________ -l214,547 06 
 
 FIRST ANNUAL REPORT 
 
163 
 
EX:Al!IIIllfEB'S BEPOBT. 
 
BANK OF CONYERS, CONYERS. 
 
At Close of Business September 20, 1920. 
 
President-J. T. Gibson. Vice-President-H. L. Huff. Cashier-M. \V. Hull. 
 
Directors-J. T. Gibson, R. L. Huff, W. T. Baldwin, W. V. Almand, 0'. D. Grimes, 
 
\V. B. Livingston, T. W. Hicks, J. G. Jackson, M. \V. Hull, 
 
C. H. Langford, J. J. Langford. 
 
Date of Charter-November 1, 1904. 
 
Began Business-December 19, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$287,527 39 Capital Stock Paid In ------$ 30,000 00 
 
Demand Loans-------------- 50,110 03 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 51,912 00 Surplus Fund -------------- 40,000 00 United States Bonds _________ 16,815 00 Undivideu Profits ----------- 17,447 03 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------Banking House _____________ 4,050 00 Due to Banks in this State __ 
 
Furniture and Fixtures _____ --------- Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money----------------- 
 
Furniture and Fixtures----- --------- Individual Deposits Subject to 
 
Due from Banks in this State 13,358 40 Checks ------------------ 129,836 98 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ------------------- 8,818 08 Time Certificates of DeposiL 103,884 10 
 
Currency ------------------ 4,679 Oo Savings Deposits----------- 
 
Gold ----------------------- 
 
27 50 Trust Funds on Deposit_ ___ _ 
 
Silver, Nickels, Pennies_____ 1,815 97 Cashier's Checks ----------- 
 
Advances on,Cotton _________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 145,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted Checks for Clearing House._ 1,432 46 Certificates of Deposit for 
 
Other Checks and Cash Items 3,304 55 Borrowed Money --------- 
 
Customer's Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
Ovaenrcdersaft~-(if-a,";y)- ========= 
 
-2-7~ 69 9-4 3 
 
Suspense ------------------Reserve for Interest and Taxes 
 
Other Assets -------------- --------- COathsher LLoinagbi_l_it_i_e_s_-_-_-_-_-_-_-_-_-_--_- 
 
156 21 
5,225 26 23 
 
TotaL--------------------$471,549 81 Total---------------------$471,549 81 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Demand Loans -------------$ 32,211 30 Capital Stock Paid In ------$ 30,000 00 
Time Loans ---------------- 295,854 56 Amt. Reserved for Branches Loans Secured by Real Estate _- ____ -- _ Surplus Fund _____________ _ 40,000 00 United States Bonds________ 7,500 00 Undivided Profits ---------- 17,858 82 Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 
Banking House ------------- 4,050 00 Due to Banks in this State __ Furniture and Fixtures.-___ _______ - _ Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money----------------- 
 
Due from Banks in this State 10,729 53 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ___________ . _______ _ 105,680 30 
 
States ______________ - ___ _ 8,978 96 Demand Certificates of Deposit 
 
Currency __ -- _----- __ ---- __ _ 2,400 00 Time Certificates of DeposiL 85,201 16 
 
Gold ----------------------- 
 
35 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 2,890 23 Trust Funds on DeposiL ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ___________ - 
 
ties ---------------------- --------- Bills Payable --------------- 110,000 00 Checks for Clearing Hou~e- _ -- _------ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,389 02 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d___A_c-c-e_p_t-_ - ____ --- _ LiaanhdiliAtyccoenptLaentcteesrs_o__f_C__r_ed- i_t-, 
 
Overdrafts (if any) --------- 22,701 68 Reserve for Interest and Taxes Other Assets _________ --- ___ -- _------ Other Liabilities ___ - __ ----- 
 
Total --------------------$388,740 28 TotaL--------------------$388,740 28 
 
 164 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
BANK OF ROCKDALE, CONYERS. 
 
At Close of Business July 13, 1920. 
 
President-C. E. Reagen. Vice-President-R. D. Hewlett. Cashier-G. C. Sims. 
 
Directors-C. E. Reagen, R. D. Hewlett, J. W. Hollingsworth, Jas. H. Maddox, 
 
G. C. Sims, J. J. Langford, J. H. Brooks, C. H. Turner, G. 0. Malcolm, 
 
C. C. walker, "\V. U. "\Vallace, C. B. Hudson, J. W. Cowan 
 
V. C. Almond, "\V. A. Ogletner. 
 
Date of Charter-October 15, 1891. 
 
Began Business-July 13, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans, Demand Loans, 
 
Capital Stock Paid In _______ $ 50,000 00 
 
and Loans Secured by Real 
 
Amt. Reserved for Branches 
 
Estate -------------------$418,163 55 United States Bonds _________ 32,166 00 Other Stocks ahd Bonds _____ --------- 
 
Surplus Fund -------------UDnivdiidveinddeds PUrnopfiatisd --__-_-_--- -_-__-_--_ 
 
50,000 00 37,826 60 
 
Banking House and Furniture 
 
Due to Banks in this State __ 
 
and Fixtures ------------Other Real Estate Owned ____ 
 
4,000 00 --------- 
 
DCaulel M tooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 89,214 91 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check -------------------- 318,628 90 
 
States ------------------- 5,091 89 Demand Certificates of Deposit 
 
CGuo lrdr e n_c_y_ _ _- -_ -_ -_-_ -_-_ -_-_-_-_-_-_-_-_-_-_-_-_ 
 
_ _1_,_7_8_8_ _00_ 
 
Time Certificates Savings Deposits 
 
of Deposit----------- 
 
101,280 
 
63 
 
Silver, Nickels, Pennies_____ Advances on Cotton _________ 
 
4,443 90 --------- 
 
CCearsthifiieerd's CChheeckcsks_-_-_-_-_-_-_-_-_-_-_--_ 
 
768 25 
 
Advances on other Commodi- 
 
Bill Payable---------------- 40,000 00 
 
ties ____ ------------------ --------- Notes and Bills Rediscounted 
 
Checks for Clearing House__ 
 
509 17 Certificates of Deposit for 
 
Other Checks and Cash Items 9,370 77 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A_ _c_c_e_p_t-_ 
 
________ _ 
 
and Acceptances _________ _ Reserve for Interest and Taxes 
 
Overdrafts (if any) --------Other Assets - _- _- __ - _-- _- _- 
 
35,848 28 - _- _____ _ 
 
OCathsher LoLniagbi_l_i_ti_e_s_-_D__e_p_o_s_i_t_s____ 
 
2,084 58 7 51 
 
TotaL------ ___ ---------- -$600,596 47 Total _____________________ $600,596 47 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$358,080 68 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate, 
Approved ---------------United States W. S. S,______ Other Stocks and Bonds _____ 
 
14,516 59 
55,000 00 1,666 00 
--------- 
 
Amt. Reserved for Branches USunrdpivluids edFuPnrdofi-t-s--__--- -_-_-_-_-_-__--_ 
Dividends Unpaid ---------Due to Banks in this State __ 
 
50,000 00 34,841 68 
 
Banking House ------------Furniture and Fixtures _____ 
 
4,000 00 --------- 
 
Due to Banks in other States Call Money _- __ - _- _-- ______ _ 
 
Other Real Estate Owned-_-_ - _- _- _-- _ Individual Deposits Subject to 
 
Due from Banks in this Sta.te Due from Banks In other 
 
38,584 81 DeCmhaenckd C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 173,959 16 
 
States ------------------- 3,987 32 Time Certificates -of DeposiL 65,795 84 
 
GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ ___5_0__0__00_ SCaavsihniegrs'sDCephoecsiktss _-_--- -_-_-_-__-_-_--_ 
 
624 33 
 
Silver, Nickels, Pennies_---- 1,495 44 Certlfi ed Checks __ - - - _- - - - - - 
 
Advances on Cotton and Cot- 
 
Bills Payable -------------- 160,000 00 
 
ton Seed ----------------- 55,467 40 Notes and Bills Rediscounted 
 
Advances on other Commodi- 
 
Certificates of Deposit for 
 
ties ____ - _-- _------------- --------- Borrowed Money --------- 
 
Checks for Clearing House_- __ - _- _-- _ Liability on Letters of Credit, 
 
Other Checks and Cash Items _-- _- _- __ and Acceptances _- _-- _---- 
 
Customers' Liability on Let- 
 
Reserve for Interest and Taxes 
 
ters of Credit and Accept- 
 
Other Liabilities - _--------- 
 
ances ____ - _- __ - _---- _---- --------- 
 
Overdrafts (if any) Secured__ 1,922 27 
 
Other Assets --------------- --------- 
 
Total --------------------$535,220 51 Total --------------------$535,220 51 
 
 FIRST ANNUAL REPORT 
 
165 
 
E:X:AMDJEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, COOLIDGE. 
 
At Close of Busines!;~ August 7, 1920. 
 
President-Boykin Harrison. Vice-President-E. Gibson. Cashier-0. L. Moncrief. 
 
Directors-B. Harrison, E. Gibson, A. M. Watson, H. II. O'Neal, A. S. Hutcheson, 
 
W. A. Bustle. 
 
Date of Charter-December 18, 1911. 
 
Began Business--November 20, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$231,760 13 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ----------Loans Securer by Real Estate 
 
900 00 ________ _ 
 
Amt. Reserved for Branches Surplus Fund ___________ --.- 
 
United States Bonds ________ --------- Undivided Profits __________ _ 25,022 98 Other Stocks and Bonds ---- 10,350 00 Dividends Unpaid _________ _ 
 
Banking House ------------- 2,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
4,336 2,859 
 
29 47 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 14,907 86 Individual Deposits Subject to 
 
Due from Banks in other 
 
G~uoSrldrtaetn_ec_sy__ 
 
-----------------__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
-_ 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton_________ 
 
3,126 11 DeCmhaencdk C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 97,562 68 
 
4,821 00 Time Certificates of DeposiL 134,704 63 
 
550 00 _ _ _4_5_9_ _ _62_ 
 
CSaavshiniegrs'sDCephoecskitss Certified Checks. 
 
-_-_-_-_-_ -_ -_ _- _- _- -_ __ - __ -- _: _- 
 
318 84 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
ties ___ --- ---------------- --------- Notes and Bills Rediscounted Checks for Clearing House ____ 2,872 7 4 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
29 00 Borrowed Money - _--- _--- 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability of Letters of Credit, and Acceptances _____ - ___ - 
 
ances -------------------- --------- Reserve for Interest and Taxes 
 
Overdrafts-In Suit ----- _-Other Assets: 
 
5,503 92 OCathsher LLeitatbeirlsiti_e_s_-_D__e_p_o_s_i_t_s__"-_ 
 
2,501 48 867 23 
 
Transit Account ------------ 1,001 70 
 
Total _____________________ $285,977 84 Total---------------------$285,977 84 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
63,7 49 11,463 
 
90 34 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
170,000 10,350 
 
00 00 
 
Other Stocks and Bonds ____ _ 
 
BFuanrnkiitnugreHoaunsde F--ix--tu--re-s--_-__-_--_ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------SGiol vl de r ,- -N- -i -c -k-e-l s-.- -P- e- n- -n-i e- -s -_-__-_- -_ Advances on Cotton_- ___ - __ _ Advances on other Commodi- 
 
2,500 00 4, 608 79 2,859 47 5,058 25 
22,084 05 3,000 00 
550 00 597 43 
 
ties __ -------------------Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
Ovaenrcdersaf-ts--(-i-f-a-n--y-)--_-- -_-_-_-__-_--_ 
 
Other Assets --------------- 6,044 27 
 
Capital Stock Paid In _______ $ 25,000 00 Amt. Reserved for Branches Surplus Fund -------------UDnivdiidveinddeds PUrnopfiatisd --_-_-__-_-_-_-_-_--_ 25,943 83 
 
Due to Banks in this State __ CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Individual Deposits Subject to 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 67,032 39 
 
Time Certificates of Deposit_ 119,689 85 
 
Savings Deposits ----------- 
 
Trust Funds on Deposi L __ _ 
 
Cashier's Checks ----------- 
 
199 43 
 
CBeilrltsifPieadyaCbhleeck_s___-_-_-_-_-_-_-_-_-_-_--_ 65,000 00 
 
Notes and Bills Rediscounted 
 
CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___f_or_ 
 
Liability on Letters of Credit, and Acceptances ---------- 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
TotaL------ ___ ---------- _$302,865 50 TotaL_---------- ___ ----- -$302,865 50 
 
 166 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'1'. 
 
AMERICAN BANK AND TRUST COMPANY, CORDELE. 
 
At Close of Business November 13, 1920. 
 
President-J. \V. Cannon. Vice-Presidents--G. F. Boatright, J. H. Churchwell. 
 
Cashier-E. A. Vinson. 
 
Directors-J. W. Cannon, F. G. Boatright, J. H. Churchwell, E. A. Vinson, J. A. Ward, J. Slade, M. J. Mikel, A. 1''. Churchwell, L. 0. Benton. 
 
Date of Charter-January 27, 1919. 
 
Began Business-January 28, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$406,991 53 Capital Stock Paid In _______ $150,000 00 
 
Demand Loans ------------- 122,027 79 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 80,000 00 Surplus Fund -------------- 10,000 00 
 
United States Bonds -------Other Stocks and Bonds_____ 
 
25,000 00 ________ _ 
 
UDnivdiidveidnedds 
 
UPrnopfaitisd 
 
-_-_-_-_-_-_-__-_-_ 
 
_1_0_,0_0_8___28_ 
 
Banking House ------------- 28,000 Oo Due to Banks in this States.. 5,660 41 Furniture and Fixtures______ 4,000 00 Due to Banks in other States ________ _ Other Real Estate Owned____ ________ _ Call Money _- _______________ ________ _ 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iol vl de r ,- -N- -i c- k- -e-l s-,- -P- -e-n-n-i-e-s-_-_-__- -_ Advances on Cotton _________ _ 
Adtvieasnc_e_s__o_n__o_t_h_e__r .C_o_ _m_m__o_d_i_- 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
atenrcsesof_ _C_r_e_d_i_t__a_n_d__A_ _c_c_e_p_t-_ 
 
63,039 04 Individual Deposits Subject to 
 
31,005 28 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t 
 
366,904 61,548 
 
62 37 
 
12,604 00 Time Certificates of Deposit. 158,064 40 
 
300 00 Savings Deposits ----------- 51,650 35 
 
4,309 20 Trust Funds on Deposit_ ____ --------- 
 
54,417 93 CCearsthifiieerd'sCChehcekcsk_s_-_-_-_-_-_-_-_-_-_-_--_ _______ .. Bills Payable ______________ _ 
 
4,820 50 65 42 
45,000 00 
 
4,332 22 Notes and Bills Rediscounted ________ _ 
 
14,441 15 Certificates of Deposit for Borrowed Money _________ ________ _ 
 
________ _ 
 
Liability on Letters of Credit, and Acceptances _________ 
 
________ _ 
 
Overdrafts (if any) _______ _ Other Assets ______________ _ 
 
4,868 45 Reserve for Interest and Taxes ________ _ 
 
8, 469 07 Other Liabilities ------------ 
 
83 31 
 
TotaL ________________ - __ .$863,805 66 TotaL--------------------$863,805 66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$458,822.82 Capital Stock Paid Jn _______ $150,000 00 Demand Loans ______ - _- __ - 128,427 36 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 
United States Bonds -------Other Stocks and Bonds_--_Banking House ------------Furniture and Fixtures______ 
 
________ _ Surplus Fund -------------- 
 
--------25,000 00 
 
Undivided Profits ___________ Dividends Unpaid __________ 
 
28,000 00 Due to Banks in this State__ 
 
4,000 00 Due to Banks in other States 
 
10,000 00 13,485 49 ________ _ 
1,909 50 ________ _ 
 
Other Real Estate Owned.-_- ----- _--- Call Money----------------- --------Due from Banks in this State 46,068 50 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
30,855 88 _ _8_, 5_0_6_ _ _00_ 
 
DeCmhaenckd C-e-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit. Savings Deposits ___________ 
 
3_2_1-,1_4_6__ 6-8194,608 47 
48,864 40 
 
Silver, Nickels, Pennies . ___ 4,297 59 Trust Funds on Deposit_ ____ --------Advances on Cotton _________ 41,658 95 Cashier's Checks ______ - ___ _ 5,189 65 
 
Advances on other Commodi- 
 
Certified Checks _----------- 
 
30 00 
 
ties __ - _-- _- __ -- _- _----- _- --------- Bills Payable--------------- 120,000 00 
 
Checks for Clearing House__ 2,199 80 Notes and Bills Rediscounted - _-- _---- 
 
Other Checks and Cash Items - __ - __ - __ Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability of Letters of Credit, 
 
ances ------------------Overdrafts (if any) --------- 
 
and Acceptances---------- --------4,495 12 Reserve for Interest and Taxes - _- _----- 
 
Other Assets --------------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$865,234 19 Total --------------------$865,234 19 
 
 FIRST ANNUAL REPORT 
 
EXAMINER'S B.EPOB.'r. 
 
THE CITIZENS BANK, CORDELE. 
 
At Close of Business November 16, 1920. 
 
President-J. M. Hunt. Cashier-B. T. Ware. 
 
Directors-J. M. Hunt, J. S. Pate, S. M. Hunt, C. C. Cleveland, J. T. Sheppard. 
 
R. E. Harris. 
 
Date of Charter-September, 1899. 
 
Began Business-1899. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$135,287 55 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 8,115 73 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 30 000 00 Surplus Fund-------------- 15,000 00 
United States Bonds_________ 'zoo 00 Undivided Profits ----------- 4,182 67 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 
 
Banking House------------- --------- Due to Banks in this State __ 7,138 78 Furniture and Fixtures_____ 2,461 47 Due to Banks in other States 
 
Other Real Estate Owned____ 2,745 93 Call Money----------------- 
 
Due from Banks in this State 7,957 05 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check __ - _------ _-- ___ - __ - 85,719 27 
 
States ------------------- 2,295 45 DemandCertificates of Deposit Currency ------------------ 3,652 00 Time Certificates of Deposit. 23,756 98 
 
Gold----------------------- 
 
247 50 Savings Deposits----------- 2,026 72 
 
Silver, Nickels, Pennies_____ 1,509 08 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks------------ 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
40 20 
2M oo 
 
ties --------------------- 15,689 69 Bills Payable -------------- 40,000 00 
 
Checks for Clearing House__ 
 
97 48 Notes and Bills Rediscounted 10,000 00 
 
Other Checks and Cash Items 
 
165 68 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ____ ----- 
 
atenrcsesof_-C- r_e_d_i_t__a_n_d__A_ _c_c_e_p_t_- __ __ __ __ _ LiaanbdiliAtyccoenptLaentcteesrs_o__f_C__re-d__it-, 
 
Overdrafts (if any) ____ __ _ _ 1,863 89 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
810 00 Other Liabilities ----------- 
 
133 88 
 
TotaL ____________________ $213,198 50 TotaL ____ ------- _________ $213,198 50 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$177,657 OR Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ______________ 
 
964 93 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 15,000 00 
 
United States Bonds ------ 
 
300 00 Undivided Profits ---------- 5,605 88 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------F'urniture and Fixtures______ 2,461 47 Due to Banks in this State __ 
 
Other Real Estate Owned ____ --------- Due to Banks in other States 
 
Due from Banks in this State 16,942 07 Call Money ---------------- 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States' ------------------- 1,676 63 Check -------------------- 76,006 49 
 
Currency -----------------Gold ----------------------- 
 
672 00 Demand Certificates of Deposit 257 50 Time Certificates of Deposit 21,910 73 
 
Silver, Nickels, Pennies_____ 1,403 84 Savings Deposits ----------Advances on Cotton _________ _________ Trust Funds on DeposiL _-- 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 
 
ties ---------------------- S,847 7o Certified Checks -----------Checks for Clearing House __ --------- Bills Payable ------------- 
 
Other Checks and Cash Items 
 
728 18 Notes and Bills Rediscounted 
 
203 27 200 00 60,000 00 
10,000 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money _-------- 
 
ances ------------------- --------- Liability on Letters of Credit, 
 
Overdrafts-(if any)________ 1,204 97 and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Liberty Bonds old ---------- 
 
810 00 Other Liabilities ----------- 
 
Total --------------------$213,926 37 Total --------------------$213,926 37 
 
 168 
 
BANKING DEPARTMENT 
 
EXAMDtEB.'S B.EPOB.'1'. 
 
CORDELE BANK AND TRUST COMPANY, CORDELE. 
 
At Close of Business November 16, 1920. 
 
President-J. A. Otwell. Vice-Presidents-R. R. Harris, N. D. Bloes. 
 
Cashier-K. P. Baker. 
 
Directors-J. A. Otwell, R. R. Harris, W. 0. Fleming, U. V. Whipple, C. L. Harris, 
 
W. H. Dorris, 0. L. Bazemore, G. C. Lewis, H. R. Fenn, J. S. Shingler, 
 
R. L. Hurt, R. L. Dikle. 
 
Date of Charter-November 20, 1919. 
 
Began Business-February 2, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLd oaLnosans---_-_-_--_-_-_-_-_-_-_--_$_1_ 94,96,28836 7570 
 
Capital Stock Paid In_______$100,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real E~tate 15,000 00 Surplus Fund ___ _ ______ ___ _ ________ _ 
 
OUnthiteerd SStotactkess aBnodndBson-<-l-s --_-_-_-_ _--__-_-_-_-_-_--_ DUinvdiidveinddesd UPnropfaiitds -_-_-_-_-_-_-_-_-_-_ -_-_-_-__-_-_-_--_ 
 
Banking House _- ___ - ____ _ 
 
Due to Banks in this State __ --------- 
 
Furniture and Fixtures_____ 14,323 90 Due to Banks in other States --------- 
 
Other Real Estate Owne<l_ ___ ________ _ Call Money ---------------- --------- 
 
Due from Banks in this State 16,498 83 Individual Deposits Subject to 
 
Due from Banks in other States-------------------- 
CG oulrdr e n_c_y_ _ -_ _- _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton -------Adtvieasnce_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- _ 
 
2,592 30 3,429 00 
170 00 3,006 29 2,184 29 
 
Check -------------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ ___ 
Cashier's Checks ---------- CBeirltlisfiedPaCyahbeclek_s__-_-_-___- ___-_-_-_-_--_ 
 
70,492 05 _- _- ____ _ 
18,367 19 
3,563 67 --------- 
6,303 52 ll 00 
70,000 00 
 
Checks for Clearing House._ 1,536 01 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 3,208 59 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ ------ ----- _- _- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
O vaenrcdersa f t-s---O- -f- -a-n-y-)- - -_-_-__- ---_-_ OPrtohfeirt AansdsetLs:oss ____________ _ Cash Short' ________________ _ 
 
- - - -9-8-7 - -0-2 
1,881 90 40 09 
 
and Acceptances---------- --------- 
 
ORethseerrvLeifaobrilIintiteesre_s_t_a_n_d__T_a_x__e_s - 
 
_-------91 06 
 
Total --------------------$268,828 49 Total ___________________ .$268,828 49 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$204,894 35 Demand Loans ------------- 2,391 38 Loans Secured by Real Estate 9,010 00 
 
United States Bonds -------- --------Other Stocks and Bonds ___ - __ - _- _--- 
 
Banking House ----------- --------Furniture and Fixtures ____ 15,613 87 
 
Other Real Estate Owned ___ - - _- _- _--- 
 
Due from Banks in this State 7,417 87 
 
Due from Banks in other 
 
C uSr tr eant ec ys - -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Gold ______________________ _ 
 
3,937 02 2,524 00 
170 00 
 
Silver, Nickels, Pennies ___ _ 2,914 30 
 
Advances on Cotton ---- _- _- 1,981 54 
 
Advances on other Commodi- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u-s-e-_-_-- ______ - _- 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
7,080 24 
 
Ovaenrcdersaft-s---O--f--a-n-y-)---_-_-_-_-_-_-_ ----3-6-9--4-1 
 
Other Assets: Stationery Acct ___________ _ 
 
2,491 02 
 
Capital Stock Paid In ------$100,000 00 Amt. Reserved for Branches _-- _____ _ Surplus Fund _- _- __________ ________ _ 
 
Undivided Profits --------Dividends Unpaid ---------Due to Banks in this State_Due to Banks in other States Call Money _- _--- ______ --- _ 
 
542 86 ------------ _- __ ________ _ _-- _____ _ 
 
Individual Deposits Subject to 
 
Check ------------------- 67,525 05 Demand Certificates of Deposit _-- _____ _ 
 
Time Certificate of Deposit._ Savings Deposits ---------Trust Funds on DeposiL _-Cashier's Checks-----------Certified Checks ___ - __ - _---Bills Payable ____ - ____ - _- _ Notes and Bills Rediscounted 
 
16,317 19 
3,617 18 ------ _-- 
2,790 72 2 00 
70,000 00 _- ______ _ 
 
Certificates of Deposit for Borrowed Money ___ - _---- 
Liability on Letters of Credit, and Acceptances ____ - _- _-- 
Reserve for Interest and Taxes 
 
----------------_-- __ --- _ 
 
Other Liabilities----------- --------- 
 
Total --------------------$260,795 00 Total --------------------$260,795 00 
 
 FIRST ANNUAL REPORT 
 
169 
 
EXAMINER'S B.EPOB.T. 
 
EXCHANGE BANK, CORDELE. 
 
President-J. J. Williams. Vice-Presidents-T. A. Royal, B. T. Dunlap. 
 
Cashier-E. F. Tison. 
 
Directors-J. J. Williams, T. A. Royal, B. T. Dunlap, J. M. Dipper, B. N. Williams, 
F. R. Wallace, I. Q. Gower, D. J. Williams, T. A. Royal, S. C. Byrd, W. H. McKenzie. 
 
Date of Charter-November 29, 1905. 
 
Began Business-January 2, 1906. 
 
RESOURCES 
 
I 
 
LIABILITIES 
 
Time Loans ---------------$398,307 8S Capital Stock Paid In ------$100,000 00 Demand Loans ------------- 110,357 39 Amt. Reserved for Branches --------Loans Secured by Real Estate 100,000 00 Surplus Fund -------------- 100,000 ou United States Bonds ------- 47,100 00 Undivided Profits ---------- 5,417 5Z Other Stocks and Bonds____ 25,000 00 Dividends Unpaid ---------- --------- 
Banking House ----------- --------- Due to Banks in this State.. --------Furniture and Fixtures------ 3,000 00 Due to Banks in other States --------Other Real Estate Owned.. 15,000 00 Call Money ---------------- --------Due from Banks in this State 42,479 18 Individual Deposits Sub}ect to 
 
Due from Banks in other 
 
Check -------------------- 344,325 89 
 
States ------------------- 3,036 70 Demand Certificates of Deposit --------- 
 
Currency ---------------------12,266 00 Time Certificates of Deposit 144,157 74 
 
Gold ----------------------- 
 
355 00 Savings Deposits ---------- 26,432 87 
 
Silver, Nickels, Pennies ______ 18,277 72 Trust Funds on Deposit_ ___ --------- 
 
Advances on Cotton -------- 146,085 48 Cashier's Checks ---------- 4,330 47 
 
Advances on other Commodi- 
 
Certified Checks ____________ ________ _ 
 
ties ---------------------- 
 
Bills Payable ------------- 200,000 00 
 
Checks for Clearing House.- 8,437 99 Notes and Bills Rediscounted 25,000 00 
 
Other Checks and Cash Items 6,075 84 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __________ ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances ---------- ______ ---- --------- and Acceptances __________ ________ _ 
 
Overdrafts-Of any) -------Other Assets: Revenue Stamps ----------Transit Acct. --------------- 
 
10,489 99 Reserve for Interest and Taxes --------- 
 
Other Liabilities ------------ 
 
180 27 
 
238 81 
 
3,336 78 
 
Total --------------------$949,844 76 Total --------------------$949,844 76 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$349,664 32 Capital Stock Paid In ------$100,000 00 Demand Loans ------------ 64,231 44 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 200,000 00 Surplus Fund -------------- 100,000 00 
 
United States Bonds ________ Other Stocks and Bonds ____ 
 
46,700 25,000 
 
00 00 
 
UDnivdiidveinddeds 
 
UPrnopfaitids 
 
-- -- -- -- -- -- -_-_-_-_ 
 
_1_0_,9_5_6___19_ 
 
Banking House ----------Furniture and Fixtures______ 
 
--------3,000 00 
 
Due to Banks in this State.. Due to Banks in other States 
 
--------________ _ 
 
Other Real Estate Owned.___ 15,000 00 Call Money __ -------------- _--- ____ _ 
 
Due from Banks in .this State 26,454 08 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------CGuo lrdr e n_c_y_ _ _-_-_-_-_-_-_-_ -_ -_ _- _- --- -_-_-_-_ -_ 
 
--------19,945 00 
365 00 
 
DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 2_8_8_,2_0_8___14_ Time Certificates of Deposit 129,952 14 Savings Deposits __________ 25,664 28 
 
Silver, Nickels, Pennies.- __ _ 4,259 94 Trust Funds on Deposi L _-- _--- _. __ - 
 
Advances on Cotton ____ ---- 119,113 50 Adtvieasnce_s__o_n__o_t_h_ e_r__C_o_m__m__o_d_i_- _ _______ _ 
 
Cashier's Checks _________ _ Certified Checks __ - ________ _ 
 
8,433 25 
 
Bills Payable -------------- 200,000 
 
35 00 00 
 
Checks for Clearing House_- - _------- Notes and Bills Rediscounted 25,000 00 
 
Other Checks and Cash Items 12,949 19 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ - ___ - __ _____ ---- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
Ovanecrdesraf-ts---O--f---a-n-y-)--------- 
 
and Acceptances __ -------- --------1,208 58 Reserve for Interest and Taxes _-- _----- 
 
Other Assets: Revenue Stamps _______ ---- 
 
Other Liabilities ----------- --------308 05 
 
Total --------------------$888,239 10 Total -------------------$888,239 10 
 
 r 
 
2 4 i(. ;p ;pelf '!*'!+'! 
 
170 
 
BANKING DEPARTMENT 
 
EX:AMINEB'S BEPOBT. 
 
CORNELIA BANK, CORNELIA. 
 
At Close of Business September 7, 1920. 
 
President-J. E. Barr. Vice-President-E"dward Flor. Cashier-cliff C. Kimsey. 
 
Directors-J. E. Barr, Edward Flor, Cliff C. Kimsey, F. M. Cash, P. Duckett, 
 
Eva G. Irwin, 0. E. Flor, A. M. Kitchens, J. A. Sasser. 
 
Date of Charter-July 3, 1900. 
 
Began Business-September, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$313,625 82 Capital Stock Paid In ------ 40,000 00 
 
Demand Loans ------------- 37,432 77 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 20,000 00 Surplus Fund -------------- 10,000 00 
 
United States Bonds -------- 3,119 46 Undivided Profits ---------- 19,825 01 
 
Other Stocks and Bonds__ 8,234 54 Dividends Unpaid----------- 1,624 00 
 
Banking House ------------ 4,000 00 Due to Banks in this State __ Furniture and Fixtures ______ 2,000 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 38,000 00 
 
Due from Banks in this State 39,443 17 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check _____ ---- _______ - __ _ 127,883 23 
 
States ------------------- 6,691 58 Demand Certificates ofDeposit 
 
Currency ------------------- 4,550 00 Time Certificates of Deposit 206,588 86 
 
Gold ----------------------- 1,230 00 Savings Deposits ----------Silver, Nickels, Pennies.____ 1,228 75 Trust Funds on Deposit. __ _ Advances on Cotton _________ _________ Cashier's Checks _________ _ 
 
Advances on other Commodities ______ -- -- ______ - -- ___ 
 
Certified Checks _______ -- __ _ Bills Payable --- __________ _ 
 
3,579 23 10 00 
 
Checks for Clearing House__ ____ -- ___ Notes and Bills Rediscounted 
 
Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _______________ ---- _ ____ ----- and Acceptances _____ - ___ _ 
 
Other Assets: 
 
Reserve for InterestandTaxes 2,903 63 
 
Cash Short ---------------- 
 
275 55 Other Liabilities------------ 1,307 90 
 
Transit Acct --------------- 
 
470 13 
 
Depositors' Guarantee Fund._ 3,445 45 
 
Total --------------------$451,726 86 Total --------------------$451,726 86 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$281,238 38 Capital Stock Paid In ------$ 40,000 00 Demand Loans _____________ 33,982 33 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds.... 
Banking House -----------Furniture and Fixtures ____ 
 
46,824 87 3,119 46 8,234 54 
4,000 00 2,000 00 
 
Demorest ---------------Surplus Fund ------------Undivided Profits ---------- 
Dividends Unpaid ---------Due to Banks in this State.- 
 
15,000 00 10,000 00 17,765 67 
12 00 13,796 12 
 
Other Real Estate Owned Due from Banks in this State Due from Banks in other 
States -------------------Currency ------------------Gold ----------------- ----Silver, Nickels, Pennies.----- 
 
--------- Due to Banks in other States 31,268 31 Call Money --------------- 28,500 00 
Individual Deposits Subject to 12,372 10 Check ------------------- 115,846 86 
3,419 00 Demand Certificates of De2,367 50 posits -------------------- 2,500 00 1,402 37 Time Certificates of Deposit 181,533 40 
 
Advances on Cotton--------- --------- Savings Deposits ----------- 
 
Advances on other Commodi- 
 
Trust Funds on Deposit.--- 
 
ties ---------------------Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
Cashier's Checks-----------702 57 Certified Checks ------------ 
68 00 Bills Payable -- -~---- _----Notes and Bills Rediscounted 
 
1,364 65 100 35 
35,000 00 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
ances ____________________ ________ . Borrowed Money ---------- 
 
Overdrafts-(if any)________ 2,313 25 Liability on Letters of Credit, Other Assets _______________ _________ and Acceptances _____ ----- 
 
Reserve for Interest and Taxes 1,893 63 
 
Other Liabilities------------ 
 
Total --------------------$433,312 68 Total --------------------$433,312 68 
 
 FIRST ANNUAL REPORT 
 
171 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF COVINGTON, COVINGTON. 
 
At Close of Business September 15, 1920. 
 
President-R. R. Fowler. Vice-President-J. L. Stephenson. Cashier-J. E. Phillips. 
Directors-R. R. Fowler, J. L. Stephenson, J. E. Phillips, J. T. Gibson, C. A. Sockwell, W. Cohen, R. C. Guinn, F. E'. Heard, P. vV. Godfrey, L. W. Jarman, J. L. Calloway, E. W. Fowler. 
 
Date of Cha.rter-1901. 
 
Began Business-1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$555,210 49 Capital Stock Paid In ------$100,000 00 Demand Loans-------------- 25,673 43 Amt. Reserved for Branches ________ _ Loans Secured by Real Estate ________ _ Surplus Fund-------------- ----- 
 
United States Bonds -------Other Stocks and Bonds ____ Banking House ______ -- ___ 
Furniture and Fixtures ____ Other Real Estate Owned____ 
 
38,296 00 Undivided Profits ---------- 50,083-is 
 
19,832 50 Dividends Unpaid __________ 
 
80 00 
 
________ _ Due to Banks in this State--------- 
 
4, 761 99 1,349 26 
 
CDaulel tMo oBnaenyks__i_n__o_th__e_r__S_t_a_te_s_ 
 
-_ -_-_-_ -_ _- _- _- -_ 
 
Due from Banks in this State 26,803 08 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency ------------------GS iollvde r ,- -N- -i -c -k-e-l s-,- -P-e- n- -n-i e- s- - -_-__- -_ Advances on Cotton _______ _ 
Advances on other CommodiChteiecsks__fo- -r - -C-l-e-a-r-in- g- - -H-o-u-s-e-_-_- 
 
19,157 41 DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 3_1_7_,_2_1_6__72_ 
 
10,211 00 Time Certificates of Deposit._ 63,117 07 
 
372 50 Savings Deposits ----------- 29,475 ol 
 
1,211 35 Trust Funds on Deposit. ___ --------- 
 
25,766 10 CCearstihfiieerd'sChCehcekcsks__-_-_-_-_-_-_-_-_-_-_-_ __2,230 32 
 
-_-__- _- _- _-_-_- _- 
 
Bills Payable ______________ Notes and Bills Rediscounted 
 
t5o~ooo-oii 
20,000 Oo 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
3,201 91 
 
Certificates of Deposit for Borrowed Money __________ 
 
________ _ 
 
atenrcsesof_ _C_r_e_d_i_t_ _a_n_d__A_ _c_c_e_p_t-_ _ _______ _ LiaanbdiliAtyccoenptLaentcteesrs_o__f _C_r_e_d_i_t_, ________ _ 
 
Overdrafts (if any) _______ _ Other Assets ______________ _ 
 
4,864 66 Reserve for Interest and Taxes ________ _ 371 00 Other Liabilities: 
 
Cash Long------------------ 
 
14 91 
 
Total --------------------$732,203 10 Total --------------------$732,203 10 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$298,198 18 Capital Stock Paid In ______ $100,000 00 Demand Loans-------------- 21,690 98 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 155,000 00 United States Bonds _- ___ __ 38,200 00 
 
SUunrdpilvuids e 
 
dF 
 
uPnrodf 
 
----------~-- 
its ___________ 
 
-4-8-, -5 -2 1- - -4-9 
 
BOathnekringStoHcokussean_d_ _ _B_o_n_d_s__ ___ _1_9_,8_3__2__50_ DDiuveidteondBs aUnknspaiidn -th--is---S-t-a-t-e -_-__-_-_-_-_-_--_ 
 
Furniture and Fixtures ---- 4,761 99 Due to Banks in other States ________ _ 
 
Other Real Estate Owned____ 1.382 35 Call Money ---------------- --------Due from Banks in this State 30,525 59 Individual Deposits Subject to 
 
Due from Banks in other States-------------------- 
 
22,377 42 DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 2_7_4_,6_0_2___20_ 
 
CG 
 
oulrdr 
 
e 
 
n__c 
 
y-- 
 
-_-_ 
 
-_ 
 
-_ 
 
_- 
 
_- 
 
_-_-_- 
 
- 
~ 
 
-__- 
 
-- 
 
-_-_-_-_ 
 
_- 
 
-_ 
 
13,420 00 Time Certificates of Deposit 680 00 Savings Deposits ---------- 
 
56,455 92 24,310 87 
 
Silver, Nickels, Pennies ___ - 1,096 33 Trust Funds on Deposit. ___ --------- 
 
Advances on Cotton _________ _ Adtvieasnc_e_s_ -o-n- _o_ t-h-e_r--C_o_m__m__o_d_i_- 
 
25,157 
 
00 
 
Cashier's Checks _________ _ Certified Checks _____________ 
 
_ _2_,0_1_7___51_ 
 
_______ - _ Bills Payable ------------- 110,000 00 
 
Checks for Clearing House __ 2,951 73 Notes and Bills Rediscounted 20,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
________ _ CeBrtoirfricoawteesd MoofneDy e_p_o_s_i_t__f_o_r_ 
 
________ _ 
 
ters of Credit and Accept- 
 
Liability of Letters of Credit, 
 
ances ___ - - -- - -- - - - - - - - - - - - - - - - - - - - and Acceptances ___ _______ _ _______ _ 
 
Overdrafts-Of any)_------- 
 
262 92 Reserve for Interest and Taxes --- _----- 
 
Other Assets: Cy. for Redemption _- ___ - __ 
 
Other Liabilities------------ --------371 00 
 
Total --------------------$635,907 99 Total --------------------$635,907 99 
 
.... 
 
 172 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF NEWTON COUNTY, COVINGTON. 
 
... 
 
At Close of Business September 13, 1920. 
President-M. G. Turner. Vice-President-C. H. White. Cashier-J. vV. Harwell. 
 
Directors-M. G. Turner, C. H. '\Yhite, J. W. Harwell, D. J. Adams, G. C. Adams, 'IV. A. Adams, C. I. Harwell, J. T. Harris, J. W. King, T. C. Swann, N. S. Turner. 
 
Date of Charter-January 17, 1905. 
 
Began Business-January 30, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$574,998 44 Capital Stock Paid In ------$ 80,000 00 Demand Loans _______________ 27,911 20 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 30,000 00 Surplus Fund ------------- --------- 
 
United States Bonds ------ 52,098 33 Undivided Profits ---------- 36,802 45 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid 
 
104 00 
 
Banking House ----------- --------- Due to Banks in this State --------Furniture and Fixtures ____ 3,428 92 Due to Banks in other States --------- 
 
Other Real Estate Owned --------- Call Money ---------------- --------- 
 
Due from Banks in this State 116,374 52 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------ 626,(/12 65 
 
States ------------------- 52,531 65 Demand Certificates ofDeposit --------- 
 
Currency ------------------- 21,687 00 Time Certificates of Deposit 124,151 21 
 
Gold ---------------------- 
 
247 50 Savings Deposits ---------- 32,398 01 
 
Silver, Nickels, Pennies____ 1,542 74 Trust Funds on Deposit_ ___ --------- 
 
Advances on Cotton--------- --------- Cashier's Checks ---------- 
 
159 95 
 
Advances on other Commodl- 
 
Certified Checks __ --- _--- _-- _ ________ _ 
 
ties ---------------------- --------- Bills Payable -------------- --------ClJecks for Clearing House__ 1,516 23 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items 17,677 36 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ - ______ ________ _ 
 
atenrcsesof__C_ r_e_d_i_t_ _a_n_d__A_ _c_c_e_p_t-_ ___ __ ____ LiaanbdilitAycocnepLtaenttceerss o_f__C_r_e_d_ i_t_, _ _______ _ 
 
Overdrafts- (if any)________ 1, 711 86 Reserve for Interest and Taxes ____ - ___ _ Other Assets ____  ___ ---- __ ___ ___ ___ Other Liabilities _________ _ 2,139 08 
 
Total --------------------$902,367 35 Total -------------------$902,367 35 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$435,190 55 Capital Stock Paid In ------$ 80,000 00 
 
Demand Loans ------------ 44,277 68 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -----MBaenr.kiSnagv.HoCuesertf_s_._--_-_-_-_-_-_-_-_-- 
 
217,595 25 26,272 33 _ _ _8_2_6_ _ _00_ 
 
USunrdpivluids edFuPnrdofit-s---_-__-_-_-_-_-_-_--_ Dividends Unpaid!_________ _ 
Due to Banks in this State 
 
37,603 46 104 00 
 
Furniture and Fixtures____ 4,503 92 Other Real Estate Owned--------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 53,798 76 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ___ -- _----------------Silver, Nickels, Pennies ___ _ 
 
8,733 5f, DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-it 571,707 90 16,634 00 Time Certificates of Deposit 115,253 89 
307 50 Savings Deposits ---------- 35,089 59 1,413 11 Trust Funds on Deposit__- __ 
 
Advances on Cotton Advances on other Commodi- 
ties - _-------------------- 
 
23,343 15 CCearstihfiieerd'sChCehckecs k_s___-_-_-_-_-_-_-_-_--_ --------- Bills Payable _____________ _ 
 
Checks for Clearing House __ --------- Notes and Bills Rediscounted 
 
1,294 84 
 
Other Checks and Cash Items 5,635 93 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _______ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _________ -- __ -- ___ -- _-------- and Acceptances _-- _____ _ 
 
Overdrafts- (if any)------- 2,473. 94 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
48 00 Other Liabilities _____ - ___ -- _ 
 
Total -------------------$841,053 68 Total -------------------$841,053 68 
 
 FIRST ANNUAL REPORT 
 
EXAlllliNEB'S BEPOBT. 
 
FARMERS BANKING COMPANY, COVINGTON. 
At Close of Business August 30, 1920. 
 
President-M. H. Smith. Vice-Presidents-J. M. Rogers, H. T. Huson. 
 
Cashier-S. L. Smith. 
 
Directors-M. H. Smith, J. M. Rogers, H. T. Huson, W. H. Ivy, R. W. Dobbs, 
 
Otis Hardiman, Boyce Haney, J. B. George, S. M. Sigman, E. E. Lunsford 
 
F. A. Pennington, E. G. Hull, G. W. Benton, W. T. Corley. 
 
' 
 
Date of Charter--April 23, 1920. 
 
Began Business-May 4, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeandLoLaonasns --_-_-__----_-.-_-_-_-_-_-$ 33,253 51 
 
Capital Stock Paid In ------$ 22,995 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate Other Stocks and Bonds ___ _ 
 
SUunrdpilvuids edFuPnrdofit-s---_-__-_-_-_-_-_-_--_ 
 
Banking House ----------- 
 
Dividends Unpaid _________ _ 
 
Furniture and Fixtures 
 
4,990 16 Due to Banks in this State 
 
Other Real Estate Owned Due from Banks in this State 
 
1,116 43 CDaiell toMoBnaenyks__in___o_lh__e_r__S_t_a_t_es_ 
 
Due from Banks in other 
 
IndividualDeposits Subject to 
 
States _______  -  
Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P-e- n- -n-i e- s- - -_--- 
 
867 00 DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o--fD--e-p-o-s-i-t 10,970 17 Time Certificates of Deposit 1,411 15 
501 15 Savings Deposits ----------- 
 
Advances on Cotton--------Advances on other CommodiChteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u--s-e-.Other Checks and Cash Items 
 
Trust Funds on Deposit. ___ _ Cashier's Checks __________  Certified Checks ____________ _ 1,524 52 Bills Payable ------------Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money _______ _ 
 
O va necr de sr a f-t-s---O- -f- -a-n- -y-)- - - - - - - - 
 
Liability on Letters of Credit, 1,215 65 and Acceptances ________ _ 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Bills Receivable Short.----Ind. Ledger ______ - -------- 
 
26 41 Other Liabilities -----------216 41 
 
90 30 
 
Profit and Loss ------------ 1,756 38 
 
Tbtal -------------------$ 45,250 21 Total -------------------$ 45,250 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----.----------$ 28,729 85 Capital Stock Paid In .... $.30,000 00 
 
Demand Loans __ ----------- 6,260 62 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 
 
Surplus Fund ------------- --------- 
 
United States Bonds -------. 
 
Undivided Profits ---------- --------- 
 
Other Stocks and Bonds  --- 
 
Dividends Unpaid ---------- --------- 
 
Banking House . ---------Furniture and Fixtures.-  Other Real Estate Owned 
 
Due to Banks in this State --------- 
 
6,608 80 
 
Die to Banks in other States Call Money __________  __  _ 
 
_______  _ ________ _ 
 
Due from Banks in this State 2,063 92 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency ------------------GSiollvder,--N--i-c-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--. Advances on Cotton -------- 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 298 56 Time Certificates of Deposit 
Savings Deposits _. ____  __  _ Trust Funds on Deposit_ _____ 4,748 01 Certified Checks ____________ _ 
 
_1_2_,2_7_7___23_ 2,126 15 
________ _ --------- 
 
Advances on other CommodiChteiecsks--fo--r --C-l-e-a-r-in-g---H-o--u-s-e-.-- 
 
Bills Payable ------------- 10,000 00 Notes and Bills Rediscounted _____  _. Certificates of Deposit for 
 
Other Checks and Cash Items 2,302 30 Borrowed Money --.----- --------. 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit, and Acceptances _____  ___ _.. 
 
ances -------------------Overdrafts (if any) --------. 
 
Reserve for Interest and Taxes . -------- 
 
Other Liabilities ---------- 
 
956 54 
 
Other Assets: 
 
Interest Paid -------------- 
 
161 14 
 
StTatoiotanler-y--P-r-i-n-t-i-n-g-----------------$- 
 
1,564 
-- 
55,421 
 
66 27 
 
Total --------------------$ 55,421 27 
 
 174 
 
ilANKfNG DEPARTMl<lN'I' 
 
EXAMINEE'S BEPOBT. 
 
BANK OF ORAWFORD, ORAWFORD. 
 
At Close of Business July 15, 1920. 
 
President-Jno. F. Holden. Vice-President-J. A. Rowland. Cashier-W. "\V. Berry. 
 
Directors-Jno. F. Holden, J. A. Rowland, E. P. Burt, "\V. C. Bond, D. J. Carithers, 
 
U . .N. J;;pps, M. C. Colquitt, C. 0. Stephens, H. H. Little, J. L. Bray, 
 
A. G. Rowland, W. W. Berry. 
 
Date of Charter-1905. 
 
Began Business-1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$185,647 54 Capital Stock Paid In _______ $ 25,000 00 
 
- iio Demand Loans __ - _- __ -- _____ 26,584 73 Amt. Reserved for Branches 
Loans Secured by Real Estate 33,729 63 Surplus Fund -------------- 
 
-7~5oo- 
 
United States Bonds-------- 3,221 30 Undivided Profits ---------- 6,070 22 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
Banking House --- _________ 2,200 00 Due to Banks in this State 
 
Furniture and Fixtures______ 2,416 70 Due to Banks in other States 5,000 00 
 
Otller Real Estate Owned ___ ______ Call Money -- ____ ---- __ - _- _ 
 
Due from Banks in this State 10,797 75 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ___ -- ____ - _____ -- __ 100,151 54 
 
States-------------------- 9,602 96 Demand Certificates ofDeposit Currency _____________ ______ 2, 743 00 Time Certificates of Deposit 62,884 67 
 
Gold ----------------------- 4,458 36 Savings Deposits . ---------Silver, Nickels, Pennies_____ 1, 715 36 Trust Funds on Deposit__-- __ 
 
AAddvvaanncceess oonn Coothtetor nC-o-m--m--o-d-i-ties ___ - _ _ _ __ _ __ _ _ __ _ __ _ _ _ 
1 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
--------- Cashier's Checks ----------Certified Checks _________ - __ _ 
_ ______ -- Bills Payable _____________ _ 25 25 Notes and Bills Rediscounted 
____ -- ___ Certificates of Deposit for Borrowed Money ______ - __ _ 
 
460 35 
70,000 00 1,232 00 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ _____ - ___ LiaanbdilitAycocnepLtaenttceerss o__f_C__re__d_it_, 
 
overdrafts (if any)_________ Other Assets: 
 
384 29 Reserve for Interest and Taxes 1,325 43 Other Liabilities ___________ _ 
 
Revenue Stamps ----------- 
 
55 70 
 
Total --------------------$279,124 21 Total --------------------$279,124 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$180,677 18 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------ 35,669 35 Amt. Reserved for Branches _--- ___ -- 
 
Loans Secured by Real Estate 48,264 36 Surplus Fund -------------- 7,000 00 
 
United States Bonds -------Other Stocks and Bonds ____ 
 
3,221 30 --------- 
 
DUnivdiidveinddeds UPnropfaiitds 
 
_- -__- -_-__-_- -__- -_ 
 
_ _5_, 2_4_5_ _ _98_ 
 
Banking House -----------.Furnitare and Fixtures ____ 
Other Real Estate Owned____ 
 
2,200 00 2,416 70 ____ --- _- 
 
DDuuee ttoo BBaannkkssininoththeirs SStatatetes Call Money _-- ___ -- ____ -- __ 
 
-_ -_ _- _- _-_-_-_- -_ _ _______ _ 
 
Due from Banks in this State 10,005 45 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
 
3,232 96 DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t _8-4_,0__5_5_ 4-1- 
 
GCoulrdren_c__y___--_-_-_-__--__--_-__--_-__--_-_-_ -_ 
 
_ _5_, 8_3_4_ _ _00_ 
 
Time Certificates of DeposiL _ Savings Deposits----------- 
 
62,070 55 --------- 
 
Silver, Nickels, Pennies ___ - 2,330 96 Trust Funds on Deposit_ _____ --------- 
 
Advances on Cotton -------- 6,329 31 Cashier's Checks ---------- 2,290 77 
 
Advances on other Commodi- 
 
Certified Checks------------- --------- 
 
ties _________ -- _--- _-- ___ - --- _----- Bills Payable -------------- 71,500 00 
 
Checks for Clearing House_- ____ ----- Notes and Bills Rediscounted 41,408 33 
 
Other Checks and Cash Items 1,142 50 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _____ --- ___ 5,000 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit, 
 
ances _______ - _____ - - - ___ - -- -- -- -- - and Acceptances _ _________ _-- ____ -- 
 
Overdrafts (if any)--------- 2,171 27 Reserve for Interest and Taxes _--- ___ -- 
 
Other Assets: 
 
Other Liabilities ------------ --------- 
 
U. S. Revenue Stamps ------ 
 
75 70 
 
Total ---------------"----$303,571 04 Total --------------------$303,571 04 
 
 1- 
 
FIRST ANNUAL REPORT 
 
175 
 
;,,\ 
EXAMilii'EB.'S B.EPOB.T. 
 
FARMERS BANK, CRAWFORD. 
At Close of Business August 28, 1920. 
 
President-E. 0. Veal. Vice-President-Jno. F. Shehone. Cashier-H. T. O'Neal. 
 
Directors-E. 0. Veal, Jno. T . .Shehone, S. C. Faust, L. 0. Benton, Jno. A. Jewell, Jno. T. Wilkins, Pat Pace, H. T. O'Neal, C. R. Colquitt. 
 
Date of Charter-September 9, 1911. 
 
Began Business-September 22, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$249,199 76 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans -----------Loans Secured by Real 
 
37,372 84 ASumrtp.luRs esFeurnvded __fo__r __B_r_a_n_c__h_es_ 
 
10,000 00 
 
Estate ------------------United States Bonds -------OBathnekrinSgtoHcokus saend___B_o_n__d_s_________ 
Furniture and Fixtures. ___ _ Other Real Estate Owned.__ 
 
16,725 00 ----------------- 
2,000 00 2,900 00 ________ - 
 
UDnivdiidveidnedds PUrnopfaiitds-_-_-_-_-_-_-_-_-_--_ Due to Banks in this State CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
Individual Deposits Subject to 
 
7,348 06 13,000 00 
 
Due from Banks in this State DuSetatfersom___B__a_n_k_s___i_n___o_t_h_er_ 
GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ Silver, Nickels, Pennies. ___ _ 
 
10,846 61 
1,022 15 395 00 474 24 79 24 
 
DeCmhaencdk 
 
C 
 
~----------------- ertificates of Deposit 
 
107,968 
 
44 
 
STaimviengCs eDrteifpiocasittess _o_f__D__e_p_o_s_i_t 27,617 34 
 
CCearsthifiieerd's CChheecckkss _-_-__-_-_-_-_-_-_-_--_ 
 
79 81 
 
Advances on Cotton ___ __ ____ ___ -- _--- Bills Payable --------'----- 85,000 00 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C_ o__m_m__o_d_i_- 
 
_ _______ _ 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
47,467 64 
 
Checks for Clearing House._ 
 
227 43 Borrowed Money  _______ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O va necredsr a-f t-s---(-i-f- -a-n-y-)- - -_---------- -- 
 
365 25 2,348 01 
 
LiaanbdilitAycocnepLtaentcteesrs _o_f__C_r_e_d_i_t Reserve for Interest and Taxes Other Liabilities -- ________ _ 
 
Other Assets -------------- --------- 
 
Total --------------------$323,481 29 Total --------------------$323,481 29 
 
BANK'S STATEMEN'l' at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$208,000 00 Demand "Loans ------------- 21,292 24 Loans Secured by Real Estate 30,000 00 
 
Capital Stock Paid In ______ $ 25,000 SAumrtp.luRs eFseurnvded __fo__r__B_r_a_n_c__h_es_ 10,000 
 
00 00 
 
United States Bonds -------Other Stocks and Bonds ---Banking House -----------Furniture and Fixtures______ 
Other Real Estate Owned ___ 
 
----------------- 
2,000 00 2,900 00 --------- 
 
UDnivdiidveinddeds PUrnopfiatisd --_-__-_-_-_-_-_-_--_ Due to Banks in this State.CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
3,166 97 
852 00 5,500 00 
 
Due from Banks in this State Due from Banks in other 
 
11,611 40 
 
IndtoiviCdhue'aclk _D__e_p_o_s_i_t_s___S_u_b_j_e_c_t 
 
74,946 30 
 
States ------------------- 1,337 84 Demand Certificates of De- 
 
GCoulrdren_c__y_ ----_-__-_-_----- -_-_-_-__-_----_-_-_ _-1-,8_9_8__ 0-0- TipmoesitCe-rt-i-f-ic-a-t-e-s--o-f--D--e-p-o-s-i-t 33,484 34 
 
Silver, Nickels, Pennies _____ 
 
427 50 Savings Deposits - - - - --- - __ _ 
 
Advances on Cotton --------Advances on other Commodi- 
 
--------- 
 
Trust Funds on Deposit. ___ _ Cashier's Checks __________ _ Certified Checks ________ - __ _ 
 
1,872 37 
 
Chteiecks s f-o-r--C-l-e-a-r-i-n-g--H-o--u-s-e-._-_- --2-,3-3-5---2-0 Bills Payable -------------- 86,500 00 
 
Other Checks and Cash Items 
 
729 39 Notes and Bills Rediscounted 41,896 44 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money __ --- __ _ 
 
ances -------------------Overdrafts-Of any) ------Other Assets -------------- 
 
14,150 00 Liability on Letters of Credit 648 98 and Acceptances ---------Reserveforinterest and Taxes Other Liabilities ----------- 
 
14,150 00 
 
Total --------------------$297,368 42 Total --------------------$297,368 42 
 
 176 
 
BANKING DEPARTMENT 
 
EXAMil'fEB'S BEPOB'l'. 
 
BANK OF CRAWFORDVILLE, CRAWFORDVILLE. 
 
At Close of Business August 10, 1920. 
 
President-Jno. F. Holden. Vice-President-J. A. Kindricks. 
 
Cashier-Geo. Mitchell. 
 
Directors-J. F. Holden, J. A. Kindricks, G. H. Wright, M. F. Griffith, R. C. Binns. 
 
Date of Charter-February 23, 1899. 
 
Began Business-October 1, 1898. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$203,010 03 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
15,143 75 16,721 75 
 
ASumrtp.luRs eFseurnvded __fo__r__B_r_a_n_c_h__es_ 
 
50,000 00 
 
United States Bonds -------OB at hnekri nSgt oHc kosu saen d_ _B_o__n _d_s ____ __ __ _ 
 
2,500 00 _ _3_, 5_6__8__70 
 
DUnivdiidveinddeds PUrnopfiatisd --__-_-_-_-_-_-_-_--_ Due to Banks in this State 
 
24,161 92 
 
Furniture and Fixtures ----- 2,007 77 Due to Banks in other States 
 
Other Real Estate Owned.__ 
 
308 27 Call Money ---------------- 
 
Due from Banks in this State 16,745 10 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Silver, Nickels, Pennies._- __ Advances on Cotton--------Advances on other Commodi- 
ties --------------------- 
 
5,338 29 1,429 00 
82 50 177 20 --------- 
--------- 
 
DeptomosaCinthde_c_kC__e-_r-_ti-_f-_ic_-a_-t_-e_-s_-_-_-o_-f_-_-D_-_-e--_ 
Time Certificates of Deposit. Savings Deposits __________ _ Cashier's Checks _________  _ Certified Checks - __ -- __ -- __ _ Bills Payable _" ____________ _ 
 
91,780 10 
64,783 65 746 60 
20,000 00 
 
Checks for Clearing House._ 1,008 47 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
5,346 59 
 
Certificates Borrowed 
 
of Deposit for Money _______ _ 
 
ters of Credit and Acceptances _- ___ - ___ ----------- 
 
--------- 
 
Liability on Letters of Credit and Acceptances ____ - ___ _ 
 
Overdrafts-(if any) ------- 7,980 49 Reserve for Interest and Taxes 
 
--------- Other Assets -------------- 
Cash Short ----------------- 
 
Checks for Clearing________ _ 3 91 Other Liabilities: 
Deposits Since Closing ____ _ 
 
2,930 41 1,969 24 
 
Total --------------------$281,371 92 Total --------------------$281,371 92 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$201,359 48 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ------------- 2,720 20 Amt. Reserved for Branches ________ _ Loans Secured by Real Estate 20,000 00 Surplus Fund -------------- 50.000 00 
 
United States Bonds -------- --------- Undivided Profits ----------- 16,076 49 
 
OBathnekrinSgtoHcokus saend___B_o_n_d_ s___________ 
 
-_-_-_-_-_-_ _- _- -_ 
 
Dividends Unpaid ---------Due to Banks in this State.. 
 
----------------- 
 
Furniture and Fixtures.____ 2,007 77 Due to Banks in other States _- ___ - __ - 
 
Other Real Estate Owned.___ 
 
308 27 Call Money----------------- --------- 
 
Due from Banks in this State 50,601 03 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 54,659 12 
 
States ------------------CGoulrdren_c_y_ __--__--_-_-__--_-_-__-_--__--_-_-_-_-_ 
 
9,851 86 _ __8_9_9___85_ 
 
Demand Certificates of Deposit _______ - ___ - ___ - __ - - 
Time Certificates of Deposit 
 
_-- - _-- _87,254 19 
 
Silver, Nickels, Pennies.____ Advances on Cotton ________ 
 
1,010 77 ________ _ 
 
Savings Deposits ----------Trust Funds on Deposit. __ -- 
 
--------_- ___ ---- 
 
Advances on other Commodi- 
 
Cashier's Checks------------ 
 
411 45 
 
Chteiecks s -f-o-r--C_l-e-a-r_in-g---H-o- u_s--e.__- -_-____-_-_-_-_--_ CBeilrltsifiPedayCabhelecks________-_-_-____._--_-_-_ -6-2-,-5-0-0--0-0 
 
Other Checks and Cash Items 7,142 02 Notes and Bills Rediscount~" _-------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for L 
 
ters of Credit and Accept- 
 
Borrowed Money __ ------ --------- 
 
ances _________ - ______ --- _ _ -~-,..----- Liability on Letters of Credit 
 
OOvtheerrdrAafstsse(tsif a_n__y-) ----__-_--_-__--_-_ 
 
_- -__- -- -- -_-__- -_ 
 
and Acceptances --------Reserve for Interest and Taxes 
 
----------------- 
 
Other Liabilities _____ ------ --------- 
 
Total --------------------$295,901 25 Total --------------------$295,901 25 
 
 FIRST ANNUAL REPORT 
 
177 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF TALIAFERRO, ORAWFORDVILLE. 
At Close of Business AU!<-:.tst 23, 1920. 
President-Jno. F. Holden. Vice-President-W. W. Bird. Cashier-S. W. Wynn. Directors-Jno. F. Holden, W. W. Bird, U. S. Gunn, C. W. Gee, C. H. Golucke, 
J. W. Por)<:, J. H. Jackson. Date of Charter-1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$108,851 10 Capital Stock Paid In ______ $ 40,000 00 
 
bemand Loans ------------- 1,157 69 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds_____ 
 
31,729 00 2,500 00 
________ _ 
 
Surplus Fund -------------UDnivdiidveinddeds PUrnopfiatisd --_-_-_-_-_-__-_-_--_ 
 
8,000 00 11,447 03 
22 50 
 
Banking House ------------- 5,892 87 Due to Banks in this State __ 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
1,648 40 7,556 65 
 
CDaulel Mto oBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 4,882 03 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------- 
 
12,040 93 3,225 00 
 
DeptmoosaCinthde_c_Ck__e_-r-t-i-_f-_ic-_a_-t_-e_-s_- 
 
- 
 
--o--f -- 
 
-_D-__-e--- 
 
GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ 
 
3,844 40 Time Certificates of Deposit619 40 Savings Deposits __________ _ 
 
Advances on Cotton--------Advances on other Commodi- 
 
--------- 
 
Cashier's Checks ___________ _ Certified Checks ___________ _ 
 
55,380 32 
58,603 30 685 39 
 
ties _______________ --- ___ ------ _-- Bills Payable -------------- 10,000 00 
 
Checks for Clearing House__ 4,035 47 Notes and Bills Rediscounted 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _______ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaft-s_-(_i_f_a-n-y--)- _____-_--_-_-_-_-_ Other Assets _______________ 
 
-_-__-_-_-_-_-_- _.. ________ _ 
 
and Acceptances ____ -- __ _ 
Reserve for Interest and Taxes Other Liabilities----------- 
 
Total --------------------$184,138 54 Total --------------------$184,138 54 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$136,956 64 Capital Stock Paid In--------$ 40,000 00 
 
DLoemanasnSd ecLuoraends b-y-R-e-a-l--E-s-t-a-teUnited States Bonds -------Other Stocks and Bonds ____ 
 
__1_,3__2_5__00_ ----------------- 
 
Amt. Reserved for Branches SUunrdpilvuids edFuPnrdofi-t-s--_-_-_-_-_-_-_-__-_--_ Dividends Unpaid __________ _ 
 
8,000_ 00 7,140 67 
22 50 
 
Banking House -------------- 5~ 87 Due to Banks in this State __ 
 
Furniture and Fixtures ----Other Real Estate Owned ___ 
 
1,648 40 7,556 65 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks In this State 20,925 30 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n_c_y_ _ -_ _- _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies _____ _ Advances on Cotton ________ _ Advances on other Commodi- 
 
4,440 38 Detmo aCnhdecCker-t-if-i-c-a-t-e-s--o-f--D--e--3,474 00 posit --------------------- 
22 50 Time Certificates of DeposiL 598 08 Savings Deposits ----------440 55 CTarushsiterF'sunCdhsecokns D__e_p_o_s_i_t_- ______ __ 
 
37,537 33 70,57 4 76 
232 87 
 
ties _______ -- _- ___ ------Checks for Clearing House__ 
 
--------________ _ 
 
CBeilrltsifiPeadyaC'bhleeck_s_______- ___-_-_-___-___- __ 
 
25,000 00 
 
Other Checks and Cash Items 5,227 76 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money---------- 
 
ances _______ ----- _------- --------- Liability on Letters of Credit 
 
OOtvheerrdrAafstsset(sif_a_n_y__) _-_-_-_-_-_-_-_-_-_ 
 
_- -_ -_ _- _-_-_-_- -_ 
 
and Acceptances --------Reserve for Interestand Taxes 
 
Other Liabilities _____ - _- __ - 
 
Total --------------------$188,508 13 Total --------------------$188,508 13 
 
 ' 178 
 
BANKING DEPARTMENT 
 
EXAMDfEB?S BEPOBT. 
BANK OF CULLODEN, CULLODEN. 
At Close of Business September 1, 1920. 
President-H. L. Dickey. Vice-Presidents-'---B. H. Clements, H. D Fincher. Cashier-E. S. Winn. 
Directors-H. L. Dickey, B. H. Clements, H. D. F1incher. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$109,910 08 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ------------- 28,416 76 Amount Reserved for Branches 
 
Loans Secured by Real Estate UOnthiteerd SSttoactkess BanodndsBo-n-d-s-_-_-_-_- 
 
---------_-- -_-_-__-_-_--_ 
 
US unrdpi vl ui ds eFd uPnrdo f-i-t s- - -_-_-_-_-_-_ -_ _- _- _- -_ Dividends Unpaid _________ _ 
 
25,000 00 5,533 96 
 
Banking House ------------- 2,000 00 Due to Banks in this State __ Furniture and Fixtures-_____ 3,468 63 Due to Banks in other States Other Real Estate Owned ___ --------- Call Money ________________ _ Due from Banks in this State 4,849 12 Individual Deposits Subject 
 
DuSetatfersom___B__a_n_k_s___i_n__O__th_e_r_ ________ _ DetomaCnhdecCker-t-if-i-c-a-t-e-s--o-f--D--e--- 28,756 58 
 
Currency ------------------GS iollvde r ,- -N- -i -c -k-e-l s-,- -P- -e-n-n-i-e-s -_-__-_- -_ Advances on Cotton ____ -- __ -- 
Advances on other Commodities ____ - ____ - _- __ - - - - _- - 
Checks for Clearing House__ 
 
3,611 00 40 00 
341 69 247 90 __ - -- - _- _- _____ -- 
 
TipmoesiCt e-r-t-if-i-c-a-t-e-s-o--f --D-e-p-o-s-i-LSavings Deposits ----------Cashier's Checks ----------Certified Checks --- __ --- ___ _ 
Bills Payable -------------Notes and Bills Rediscounted 
 
41,585 21 50 91 
27,500 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances - ~ _- - - __ - - --- -- - - - - OOtvheerrdArasfstest-s(i_f_a_n__y_)____-_- _______--- 
 
- _------- -- -- - - - __ - 3_7__9_ 0-1- 
 
CeBrtoirfriocawteesd MoofneDy e_p_o_s_i_t___f_or_ Liability on Letters of Credit 
and Acceptances __ - _____ _ ROethseerrveLfioarbiIlnittieerses_ta_n__d__T__a_x_es_ 
 
Total --------------------$153,426 66 Total --------------------$153,426 66 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans _____________ _ 
 
70,157 18,430 
 
42 64 
 
Capital Stock Paid In _______ $ 25,000 00 Amount Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ______ -_ 
 
39,102 81 SUunrdpilvuisdeFdunPdro-f-i-ts---_-__--------_-_-_-_ 
 
25,000 00 2,408 44 
 
Other Stocks and Bonds ___ _ 
 
Dividends Unpaid ___ -- ____ _ 
 
Banking House _-- ___ - ____ - _ 2,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures _____ _ Other Real Estate Owned __ _ 
 
3,468 63 CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in Other 
States ------------------GC oulrdr e n_c_y_ _-_ -_ _- _- _- _-_-_-_-_-_-_- ------ -_-__- -_ 
 
6,955 32 1,359 00 
 
Individual Deposits Subject DteomCahnedc kC e-r-t-i f-i-c-a-t-e-s - -o-f- -D- -e-- TipmoesiCt e-r-ti-f-i-c-a-te-s--o-f-D--e-p-o-s-i-L--- 
 
21,244 05 38,660 99 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton ____ c _- _ 
 
434 71 Savings Deposits ----------Trust Funds on DeposiL ___ _ 
 
Advances on Other Commodi4tiHeso-g2s H__e_a_d__o_f__C__a_t_tl_e__a_n_d_ 
Checks for Clearing House __ 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-----_-_-__--100 00 Bills Payable--------------- 32,500 00 102 20 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
132 71 Certificates of Deposit for Borrowed Money ___ ---- __ - 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - -( i-f- -a-n-y-)- - -_-_-_-_ _- _-_- -_ Otl;ler Assets ______________ _ 
 
and Acceptances __ ----- _771 67 Reserve for Interest and Taxes 
Other Liabilities ---- _------- 
 
Total --------------------$144,813 48 Total --------------------$144,813 48 
 
 l- 
 
-----------------1 
 
FIRST ANNUAL REPORT 
 
179 
 
EX:AJIIIIl!I'EB'S BEPOBT. 
 
MERCHANTS & PLANTERS BANK, CULLODEN. 
 
At Close of Business August 31, 1920. 
 
President-J. 0. Holmes. Vice-President-H. H. Holmes. Cashier-F. P. Sullivan. 
 
Directors-J. 0. Holmes, R. H. Holmes, C. A. Holmes, A. J. Johnson, 0. H. Sul- 
 
livan, W. A. \Vorsham, W. J. Zellner. 
 
Date of Charter-December 4, 1904. 
 
Began Business-December 4, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$101,508 78 Capital Stock Paid In ______ -$ 15,000 00 
 
Demand Loans ------------- 13,099 65 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ Other Stocks and Bonds_____ 
 
----------------________ _ 
 
USunrdpivluids edFuPnrdof-it-s---_-_-_-_-_-__-_-_--_ Dividends Unpaid _________ _ 
 
15,000 00 7,593 72 
 
Banking House ____________ 
 
950 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned___ 
 
2,089 10 ________ _ 
 
CDaulel 
 
tMo oBneaynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 17,877 59 Individual Deposits Subject 
 
Due from Banks in other 
States -------- ---------CG oulrdr e n c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_- -_ 
 
2 72 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D-e-p--o-s-it1,358 00 Time Certificates of Deposit_ 
10 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ _ 
 
443 05 Cashier's Checks ----------- 
 
Advances on Cotton _________ --------- Certified Checks ____ --- ___ -- 
 
A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Bills Payable ____________ - _Notes and Bills Rediscounted 
 
63,304 29 38,005 88 
190 90 
 
Checks for Clearing House Other Checks and Cash Items 
 
700 13 74 00 
 
CeBrtoifrircoawteesd 
 
MofoneDye_p_o_s_i_t___f_or_ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t _- 
 
________ _ 
 
and Acceptances _-------Reserveforinterestand Taxes 
 
Overdrafts (if any) _______ _ 
 
!l74 28 Other Liabilities----------- 
 
Other Assets --------------- 
 
7 69 
 
Total --------------------$139,094 99 .Total --------------------$139,094 99 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --- _-- _________ $ 73,933 49 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 14.530 80 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 20,298 44 Surplus Fund -------------- 15,000 00 
 
United States Bonds _______ _ 
 
Undivided Profits ___ -- _---- 6,460 98 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid ____ ---- __ 
 
Banking House __ - ________ _ 
 
950 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
2,089 10 CDaulel tMo oBnaeynks__i_n__o_t_h_e-r- _S_t_a_t_es_ 
 
Due from Banks in this State 8,858 48 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold ___ -- _--------- __ ----- 
 
35 36 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-it2,127 00 Time Certificates of Deposit_ 
10 00 Savings Deposits ----------- 
 
45,522 15 34,773 62 
 
Silver, Nickels, Pennies ___ _ 
 
331 23 Trust Funds on Deposit__--- 
 
Advances on Cotton _______ _ 3,386 32 Cashier's Checks ----------- 
 
47 81 
 
Advances on other Commodi- 
 
Certified Checks __ ---------- 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se-_--- 
 
Bills Payable -------------- 10,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ________ -- 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_ -_ _- -_ 
 
Liability on Letters of Credit and Acceptances _____ - __ - 
254 34 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities _____ ------ 
 
Total --------------------$126,804 56 Total --------------------$126,804 56 
 
 180 
 
BANKING DEPARTMEN'l' 
 
EXAliii:INEB.'S B.EPOB.T. 
THE BANK OF CUMMING, CUMMING. 
At Close of Business November 8, 1920. 
President-Sam Tate. Vice-Presidents-Maynard Mashburn, T. J. Pirkle. Cashie.r-K. A. Kemp. 
Directors-Sam Tate, K. A. Kemp, C. C. Pirkle, J. H. Hockenhull, Maynard Mashburn, Marcus Mashburn, L. H. Burgess, S. H. Allen, T. J. Pirkle, W. K. Kennemore, C. W. Heard. Date of Charter-1904. 
 
RESOURCES 
 
RESOURCES 
 
Time Loans ---------------$234,507 93 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------ 19,800 18 Amt. Reserved for Branches 
 
Loans Secured by Real Estate .. ______ _ Surplus Fund -------------- 25,000 00 
 
United States Bonds________ 15,050 00 Undivided Profits __ - _-- _-- _ Other Stocks and Bonds _____ --------- Dividends Unpaid _________ _ 
 
699 07 
 
Banking House ------------- 7,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned___ 
 
3,161 00 2,097 00 
 
CDaulel tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks ________ . . __ 10,650 15 Individual Deposits Subject 
 
oii DuSetatfersom__ -B__a-n_k_s___i_n___o_t_h_e_r 
GCoulrdr e n c_y_ _ _ _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
 
- -1~652- 
350 00 
 
DetomaCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 64,220 54 Time Certificates of Deposit 128,318 92 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ _ 
 
699 39 Trust Funds on Deposit. ___ _ 
 
Advances on Cotton _______ _ 13,622 99 Cashier's Checks _--- _-- _-- _ 1,236 80 
 
A dt iveasn c e-s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
Certified Checks __ -- __ - __ -- _ ________ _ Bills Payable -------------- 
 
55,000 00 
 
Checks for Clearing House._ 1,099 80 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
968 65 
 
Certificates Borrowed 
 
of Deposit for Money ___ - _____ _ 
 
-any)-:::::::: - ters of Credit and Accept- 
Ovae~~~~fiS- (i- 
 
-s~3i9- 03 
 
LiaanbdilitAycocnepLtaentcteerss _o_f__C_r_e_d_i_t Reserve for Interest and Taxes 
 
Other Assets -------------- --------- COathsher LLoinagbil_i_ti_e_s_:___________ _ 
 
2 79' 
 
Total --------------------$299,478 12 Total --------------------$299,478 12 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
RESOURCES 
 
Time Loans ----------------$214,154 01 Capital Stock Paid In ______ $ 25,000 00 
 
DLoeamnasnSdecLuoraendsby--R--e-a-l -E--s-ta--te- 
 
__7_,_1_4_2__18_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
25,000 00 
 
United States Bonds ________ Other Stocks and Bonds _____ 
 
----------------- 
 
UDnivdiidveidnedds PUrnopfiatisd --__-_--- -_-_-__-_--_ 
 
86 83 
 
Banking House ------------ 7,500 00 Due to Banks in this State __ Furniture and Fixtures---- 3,161 Oll Due to Banks in other States 
 
Other Real Estate Owned____ 2,097 00 Call Money ---------------Due from Banks in this State 27,385 95 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton _______ _ 
 
186 71 5,349 00 
345 00 752 73 5,969 17 
 
Detmo aCnhdeCcekrt-if-i-c-a-te--s -o-f-D--e-p-o-s-it- 79,712 31 
 
Time Certificates of Deposit_ 103,348 00 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks ____ - __ - __ _ 
 
232 75 
 
Advances on other Commodities _______ - __ - __ -- __ -- _- 
 
--------- 
 
CBei lrltsi f iPe da yCa bh el ec k s_ _ _-_-_-_-_-_-_-_-_-_-_- -_ 
 
45,QOO 00 
 
Checks for Clearing House.- _-- .. ---- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 3,251 51 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ . _____ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovae~~~~ftS- (i- -a-DY)-:: :::::: 
 
--1~090- 69 
 
and Acceptances __ - __ - __ _ Reserveforinterestand Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total --------------------$278,379 89 Total --------------------$278,379 89 
 
 FIRST ANNUAL REPORT 
 
181 
 
EX:Allllllii'EB'S BEPOB'l'. 
 
THE FARMERS & MERCHANTS BANK, CUMMING. 
 
At Close of Business November 6, 1920. 
 
President-M. W. Webb. Vice-Presidents----,J. A. Otwell, Joel Webb, G. w. Heard. 
 
Cashier-R. E. Hope. 
 
Directors-M. W. Webb, Joel Webb, .N. D. Black, W. A. Robbs, J. A. Otwell, R. E. Hope, A. J. Green, R. B. Burruss, C. W. Heard, R. L. Bagley, Roy Striskland. 
 
Date of Charter-November 16, 1911. 
 
Began Business-November 16, 1!!11. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$432,040 30 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
59,132 93 Amt. Reserved for Branches ________ _ Surplus Fund ------------- 
 
-1-6~000- 00 
 
United States Bonds ________ Other Stocks and Bonds _____ 
 
----------------- 
 
UDnivdiidveinddeds 
 
PUrnopfiatisd 
 
- 
 
-_ 
 
_- 
 
_-_-_-_-_-_- 
 
-- 
-~ 
 
8,162 81 
 
Banking House ------------ 6,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 3,056 36 Due to Banks in other States 
 
Other Real Estate Owned___ Due from Banks___________ 
 
________ _ 5,343 96 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder, -N--i-c-k-e-ls-,--P--en--n-i-e-s-_-__-_--_ Advances on Cotton -------- 
 
- -6~853- 00 
60 00 313 11 4,535 46 
 
DeptomosaCinthdec_Ck__e_-r_-ti_-f_-ic_-a_-_t-e_-s_-_-_-o_-f_-_-D_-_-e-_- 
 
132,467 10,000 
 
50 00 
 
Time Certificates of Deposit 232,533 10 
 
Savings Deposits ----------Trust Funds on Deposit ____ _ 
 
Adtiveasnce_s__o_n__o__th_e_r_ _C__om__m__o_d_i_- ________ _ CCearsthifiieerd's CChheecckks s __-_-_-_-_-_-_-_-_-_--_ 2,040 90 
 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
Overdrafts (if any) -------Other Assets: 
Cash Short ----------------- 
 
1,794 60 3,517 22 
________ _ 12,982 72 
74 65 
 
Bills Payable -------------- 105,000 00 Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 5,000 00 Liability on Letters of Credit 
and Acceptances ________ _ ROethseerrvLeifaobriilnittieerses_ta_n__d__T_a__x_es_ 
 
Total ____________ --- ____ -$536,204 31 Total ____ -- ______ - ____ - _-$536,204 31 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$340,459 95 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans ------------ 36,586 13 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 50,532 34 Surplus Fund -------------- 16,000 00 
 
United States Bonds-------- --------- Undivided Profits ----------- 3,570 93 
 
Other Stocks and Bonds ---- --------- Dividends Unpaid ---------- 
 
Banking House ------------ 6,500 00 Due to Banks in this State-_ 
 
Furniture and Fixtures______ 3,056 36 Due to Banks in other States 
 
Other Real Estate Owned ___ --------- Call Money -- ___ ---- _____ -- 
 
Due from Banks in this State 9,214 51 Individual Deposits Subject 
 
DuSetatfersom___B__a_n_k_s__ -in----ot_h__er_ 
 
101 86 DetomaCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D-e-p--o-s-it- 122,516 89 
 
Currency -----------------GSiollvder, -N--ic-k--e-ls-,--P-e-n--n-ie--s-_-__-_--_ 
 
6,690 00 Time Certificates of Deposit 180,249 35 50 00 Savings Deposits ----------- 
260 00 Trust Funds on Deposit- __ -- 
 
Advances on Cotton __ - ___ - _ Advances on other Commodi- 
 
9,210 90 CCearsthifiieerd's CChheecckkss __-_-_--- -__-_-_------- 
 
2,114 84 
 
Chteiecsks _f_o_r -C--l-e-a-r-in-g---H-o-u--se---_- 
 
-_ -_ _-_-_-_-_- -- -- 
 
Bills Payable -------------- 120,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
1,985 04 
 
Certificates Borrowed 
 
of Deposit for Money ________ -- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaf-ts--(-i-f-a-n--y-)--_------ -__------- 
 
and Acceptances _- __ ----4,741 21 Reserveforinterestand Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Profit and Loss------------- 
 
63 71 
 
Total --------------------$469,452 01 Total --------------------$469,452 01 
 
 182 
 
BANKING DEPARTMENT 
 
E:XAMINEB.'S B.EPOB.T, 
 
BANK OF CUSSETA, CUSSETA. 
 
At Close of Business August ,21, 1920. 
 
President-C. C. Minter. Vice-President-0. C. Stephens. Cashier-vV. A. Gayler. 
 
Directors-C. C. Minter, 0. C Stephens, W. A. Gayler, E'. M. Lightner, 
 
L. D. Murrain. 
 
Date of Charter-May 2, 1907. 
 
Began Business-June, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ -$ 83,531 63 Capital Stock Paid In ________ $ 15,000 Oo 
 
Demand Loans ------------- 19,126 08 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds ________ _ Other Stocks and Bonds ____ _ 
 
4,000 00 Surplus Fund -------------3,100 00 Undivided Profits ----------4,000 00 Dividends Unpaid _______ - __ 
 
5,000 00 2,914 01 
12 00 
 
Banking House ------------ 2,307 25 Due to Banks in this State__ ________ _ 
 
Furniture and Fixtures ____ _ Due from Banks in this State 
 
2,376 97 5,539 52 
 
Due to Banks in other States Call Money __ ~ ______ _____ __ 
 
________ _ ________ _ 
 
Due from Banks in other 
 
Inllividual Deposits Subject 
 
States ------------------Currency -----------------GSiolvlder, __N_i-c-k-e-ls-,--P-e--n-n-i-e-s-_-__-_--_ Advances on Cotton ________ _ Advances on other CommodiChteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se---_- 
 
10,865 90 3,866 00 112 50 862 09 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-itTime Certificates of Deposit_ CSaavshinigers'sDCehpeocskitss _-_-_-_-_-__-_-_-_-_--_ Certified Checks _____ - ______ Bills Payable _______________ 
Notes and Bills Rediscounted 
 
_5_5_,6_4__8__70_ 
10,825 34 78,617 64 _ _3_,_5_0_4__5 0_ ________ _ 
--------- 
 
Other Checks and Cash Items 
 
328 45 Certificates of Deposit for 
 
Customers' Liabil1ty on Let- 
 
Borrowed Money- __ -- __ -__ - ___ - ___ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-__- _-_-_-_- -" 
 
and Acceptances __ - _- _-- _ - _______ _ Reserve for Interest and Taxes ________ _ 
 
ODethp.er GAusasre.ts:Fund __________ _ 
 
Other Liabilities ----------- --------3,385 80 
 
FCiarlel IMnos.neFyun_d__-_-__-_-_-_-_----_-__----_ 
 
120 00 28,000 00 
 
Total --------------------$171,522 19 Total --------------------$171,522 19 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _-- ___ -- _______ -$ 98,298 75 Capital Stock Pai.S In ______ $ 15,000 00 
 
Demand Loans -----------Loans Secured by Real Estate 
 
10,486 41 
 
ASumrtp.luRsesFeurnvded __fo__r__B_r_a_n_c__h_es_ 
 
5,000 00 
 
OUnthiteerd SStotactkess aBnodndBson-d--s-_-_-__--_ 
 
3,100 00 4,000 00 
 
UDnivdiidveinddeds PUrnopfaitisd -_-_-_--- -_-_-__-_--_ 
 
1,666 41 
 
Banking House __ ----------- 2,307 25 Due to Banks in this State __ 
 
Furniture and Fixtures __ -Other Real Estate Owned--Due from Banks in this State 
 
2,513 32 
-i7~922- iii 
 
Due Call 
 
to Ban Money 
 
ks - 
 
i - 
 
n___o!t._h_e_r- 
 
States 
_____ _ 
 
Individual Depostts Subject 
 
Due from Banks in other 
States ------------------CGuolrdrenc__y_ ----__-_------_---- -----------------Silver, Nickels, Pennies ___ -Advances on Cotton ___ -- __ -Advances on other CommodiChteiecsks -fo--r --C-l-e-a-r-in-g---H-o--u-s-e---- 
 
7,421 84 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-it- 
 
5,316 102 
 
00 50 
 
Time Certificates of Deposit_ Savings Deposits - ___ - _____ _ 
 
1,123 14 
 
Trust Funds on Deposit_ ___ _ Cashier's Checks ___________ _ 
 
Certified Checks ___________ _ 
 
Bills Payable ___ - __________ _ 
 
Notes and Bills Rediscounted 
 
39,973 04 
9,869 91 81,007 42 
74 56 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and AcceptOvaenrcdersaf-ts---(I-f--a-n-y-)---_---- -_-__----- 
 
LiaanbdilitAycocnepLtaenttceerss o__f_C__re__d_it_, Reserveforinterestand Taxes 
 
Other Assets --------------- 
 
Other Liabilities----------- 
 
Total --------------------$152,591.34 Total ---------------------$152,591.34 
 
 FIRST ANNUAL REPORT 
 
183 
 
EXAl!Ulii'EB.'S B.EPOB.'l'. 
 
BANK OF CUTHBERT, CUTHBERT. 
 
At Close of Business August 7, 1920. 
 
President-E. C. Teel. Vice-Presidents-N. M. Weaver, A. A. Lockett. Cashier-H. L. Hill. 
Directors-N. M.. Weaver, A. A. Lockett, G. Y. Moore, E. C. Phillips, R. J. Ward, W. M. Sutton, E. C. Tee!. 
 
Date of Charter-September 29, 1887. 
 
Began Business-November 1, 1890. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$263,101 98 Capital Stock Paid In _______ -$ 50,000 00 
 
Demand Loans-------------Loans Secured by Real Estate 
 
16,601 88 47,000 00 
 
ASumrtp.luRs esFeurvnedd _f_o_r__B_r_a_n__c_h_es_ 
 
12,000 00 
 
United States Bonds 
 
22,890 03 Undivided Profits ----------- 8,131 03 
 
Other Stocks and Bonds_____ Banking House ------------ 
 
600 00 4,769 00 
 
Dividends Unpaid __ -------Due to Banks In this State_-- 
 
--1~i37 -89 
 
Furniture and Fixtures_____ 5,554 90 Due to Banks in other States 
 
102 50 
 
Other Real Estate Owned ___ --------- Call Money ___ ------------- 
 
Due from Banks in this State 13,176 99 Individual Deposits Subject to 
 
Due from Banks in other 
 
to Check __ -------------- 175,893 80 
 
States ------------------CGuolrdrenc_y__ ----_-- -_-_-_-_-_-_-_-__-_-_-_-_-_--_ Silver, Nickels, Pennies ____ _ 
 
6,317 54 Demand Certificates of Deposit 8,738 00 Time Certificates of DeposiL 
122 50 Savings Deposits ----------4,865 57 Cashier's Checks ----------- 
 
21,220 21 781 85 
 
Advances on Cotton _________ --------- Certified Checks ___ --------- 
 
2 50 
 
Adtvieasnce_s_ -o-n--o_t_h_e_r__C__om__m__o_d_i_- 
 
_____ --- _ 
 
Bills Payable _______ -- __ ---Notes and Bills Rediscounted 
 
95,000 00 36,477 95 
 
Checks for Clearing House __ 
 
273 45 Certificates of Deposit for 
 
Other Checks and Cash Items 1,495 62 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on' Letters of Credit, 
 
taenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- ________ _ 
 
Overdrafts (if any) _______ _ Other Assets ______________ _ Sundry Banks _____________ _ Cash Short _______________ _ 
 
2,273 22 1,007 91 1,869 17 
89 97 
 
and Acceptances Reserveforinterestand Taxes 
Other Liabilities ----------- 
 
Total --------------------$400,747 73 Total ______________ ---- __ $400, 747 73 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______ ! ________ $217,089 58 Capital Stock Paid In ______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Ostate United States Bonds ________ 
 
20,728 21 Amt. Reserved for Branches 
 
62,446 14 24,449 13 
 
Surplus Fund -------------Undivided Profits ---------- 
 
12,000 00 8,529 76 
 
Other Stocks and Bonds____ Banking House -----------Furniture and Fixtures-_____ 
 
1,050 00 Dividends Unpaid __ -------4,769 00 Due to Banks in this State-_ 5,554 90 Due to Banks In other States 
 
424 80 665 78 
 
Other Real Estate ~wned _- _ --------- Call Money __ -------------- 
 
Due from Banks in this State 7,799 41 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency ------------------SGiolvlder, -N--ic-k--e-ls-,--P-e--n-n-i-e-s-_-__-_--_ 
 
8,603 99 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-it- 157,219 65 4,490 00 Time Certificates of Deposit 18,447 75 
32 50 Savings Deposits ----------4,463 96 Trust Funds on Depos!L- _-- 
 
Advances on Cotton ________ _ 
 
729 87 Cashier's Checks ----------- 
 
449 57 
 
Adtiveasnc-e-s__o_n- _o_t_h_e_r__C_o__m_m__o_d_i-_ 
 
________ _ 
 
Certified Checks -----------Bills Payable -------------- 
 
Checks for Clearing House __ 
 
294 72 Notes and Bills Redlsocunted 
 
2 50 94,000 00 
23,969 so 
 
Other Checks and Cash Items 
 
225 50 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credlt 
 
O vaenrcdersa f t-s- - -( i-f- -a-n-y-)- - -_-_-_-_-_-_ _- -_ Other Assets _____________ _ 
 
--------794 85 
2,184 85 
 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities _---------- 
 
Total --------------------$365,709 61 Total --------------------$365,709 61 
 
 184 
 
BANKING DEPARTMENT 
 
E:XAMiliEB.'S B.EPOB.T. 
 
GEORGIA BANK AND TRUST COMPANY, CUTHBERT. 
 
At Close of Business August 9, 1920. 
 
President-F. H. Davis. Vice-Presidents-W. .J. Wade, w. D. Hammock. 
cashier-P. M. Reid. Directors-F. H. Davis, W . .J. Wade, W. D Hammock, .J W. Andrews, L. L. Martin. 
 
Date of Charter-ianuary 1, 1917. 
 
Began Business-.January 2, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$152,970 88 Capital Stock Paid In _______ $ 48,300 00 
 
Demand Loans ------------- 22,555 67 Am t. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds ________ 
 
40,000 00 29,250 00 
 
US unrdpi vl ui ds e dF uPnrdo f i-t-s - -_ -_-_-_-_-_-_-_-_-_-_ 
 
__7_,1_6_8___80_ 
 
Other Stocks and Bonds _____ 23,0.00 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------- 2 700 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
2;780 00 --------- 
 
Due to Banks in other States Call Money __ - _____________ 
 
________ _ ________ _ 
 
Due from Banks in this State 1, 721 32 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
16,030 36 Detmo aCndheCcekrti-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 11_3___3_2_3__55_ 
 
CGuolrdrenc_y___ -__--_-_-__--_-__--_-__--_-_-_-_-_-_ 
 
_ _2_, 3_3_5___00_ 
 
Time Certificates of Deposit Savings Deposits ----------- 
 
21,868 74 43,915 69 
 
Silver, Nickels, Pennies_____ Advances 01 C'otton _________ 
 
1,104 08 --------- 
 
CCearsthifiieerd's CChheecckkss __-_--- -__-_--- -_-_-_-_ 
 
_ _ _3_6_5_ _ _13_ 
 
Adtvieasnc_e_s__o_n__o_t_h_e_r_ _C_o__m_m_ _o_d_i_- ________ _ NBioltless PaanydabBliells--R-e-d--is-c-o-u--n-te-d- _6_2_,_5_0_0__00_ 
 
Checks for Clearing House__ Other Checks and Cash Items. 
 
1,397 30 498 77 
 
CeBrtoifrircoawteesd MofoneDyep_o_s_i_t --1-'o__r 
 
________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A_ _c_c_e_p_t_- ________ _ Overdrafts (if any) __________ 2,896 44 
 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities: 
 
--------2,016 00 
 
Other Assets: Acceptance ---------------- 
 
250 oo Cash Long ----------------- 
 
145 04 
 
Profit and Loss ------------ 
 
113 13 
 
Total --------------------$299,602 95 Total ______ --- ___ ---- ____ $299,602 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$156,551 12 Capital Stock Paid In __ - ____ $ 48,300 00 
 
Demand Loans ------------- 4,528 15 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 46,714 02 Surplus Fund -------------- 7,168 8!1 
 
United States Bonds________ Other Stocks and Bonds - ___ 
 
17,500 00 23,000 00 
 
UDnivdiidveidnedds 
 
UPrnopfaitisd 
 
___-_--____-_-_-__-_ 
 
3,82 8 67 
 
Banking House ------------ 2,700 00 Due to Banks in this State __ 
 
Furniture and Fixtures______ 2,780 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money __ -- ___ - -------- 
 
Due from Banks in this State 3,519 33 Individual Deposits Subject 
 
Due .from Banks in other States ------------------- 
 
7,046 04 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 100,101 05 
 
CGuorldrenc_y______- -_-_______-_-______________--___ 
 
_ _5_, 0_4_5___00_ 
 
Time Certificates of Deposit Savings Deposits ---------- 
 
19,166 16 41,248 76 
 
Silver, Nickels, Pennies_____ Advances on Cotton ________ 
 
1,475 81 15,213 29 
 
CTarushstieFr'us nCdsheocnksD_e_p_o_s_i_t_-_-_-__ -_ 
 
-- -5i2 -i;ii 
 
Advances on other CommodiChteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u-s-e-_-_- ---8-2-5---01- 
 
Certified Checks ___ -- __ -- __ Bills Payable _____________ _ Notes and Bills Rediscounted 
 
70,155 50 2,000 00 
 
Other Checks and Ca~h Items 1,895 91 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- -(-i-f-a-n- -y-) - -_-_ -_ _- _-_-_-_- -_ Other Assets --------------- 
 
3,148 29 and Acceptances --- _----539 83 ROetsheerrveLfioabr iIlnittieerses_t_a_n_d__T__a_x_e_s 
 
Total --------------------$292,481 80 Total --------------------$292,481 80 
 
 FIRST ANNUAL REPORT 
 
185 
 
EX:Aliii:Ilii'EB.'S B.EPOB.T. 
 
DACULA BANKING ClOMPANY, DACULA. 
 
At ,Close of Business August 5, 1920. 
 
President-A. M. Wilson. Vice-President-H. H. Pharr. Cashier-J. G. Hood. 
 
Directors-A. M. Wilson, H. H. Pharr, R. M. Stanley, J. M. Wilson, E. S. Hogan. 
 
Date of Charter-1909. 
 
Began Business-September 27, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnsoa-n-s---_-_--__--_-_-_-_-_--_$__11_2_,_8_9_0___53_ Loans Secured by Real Estate ________ _ 
 
Capital Stock Paid In _______ $ SAumrpt.luRs eFseurnvded__f_o_r__B__ra-n_c__h_e_s 
 
25,000 5,000 
 
00 00 
 
United States Bonds________ Other Stocks and Bonds ____ 
 
7,100 00 _ _______ _ 
 
UDnivdiidveinddeds PUrnopfiatisd --__-_-_-- -_-__-_--_ 
 
20,042 94 
 
Banking House------------- 1,500 00 Due to Banks in this State.- 
 
Furniture and Fixtures_____ Other Real Estate Owned. ___ 
 
2,138 56 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t-h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 6,746 92 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------GSiollvder, -N--ic-k--e-ls-,--P--e-n-n-i-e-s-. -_-__--_ Advances on Cotton _________ Adtiveasnc_e_s__o-n--o_t_h_e_r_ _C_o__m_m__o_d_i-_ 
 
7,233 03 ] ,530 00 
40 00 830 21 --------- 
________ _ 
 
Detmo aCnhdeCcekrt-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t Time Certificates of Deposit CSaavshiniegrs'sDCehpeocskists __--. -__-_.-- -_-__-.--_ CBeilrltsifiPedayCabhelecks_____--________-_______--_ 
Notes and Bills Rediscounted 
 
48,457 90 8,463 50 95 00 
40,000 00 
 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
atenrcsesof__C_r_e_d_i_t_ _a_n_d__A__c_c_e_p_t_- 
 
568 75 Certificates of Deposit for 3,559 60 Borrowed Money ------ .. - 
Liability on Letters of Credit and Acceptances .. _.. _.. - 
________ _ Reserve for Interest and Taxes 
 
OOtvheerrdrAafstssets(if__a_n_y_)__ -----_-__--_-_-_ __2_,6_9_5___78_ Other Liabilities _. _.. ____ - _ 
 
774 04 
 
Total --------------------$147,833 3.8 Total --------------------$147,833 38 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ____ --- ________ .$ Demand Loans ____________ _ 
 
98,227 1,086 
 
08 75 
 
Capital Stock Paid In _______ .$ 25,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund--------------- 5,000 00 
 
United States Bonds _______ _ Other Stocks and Bonds __ .. _ 
 
7,100 00 DUnivdiidveinddeds PUrnopfaiitds-_-_-_-_----__-_--- -_ 17,410 18 
 
Banking House ------------ 1,500 00 Due to Banks in this State 
 
Furniture and Fixtures .. _. __ Other Real Estate Owned. __ . 
 
2,] 38 56 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 3,593 96 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
CGoulrdrenc_y____-_-_--. -_-_-_-__-_-_-_-_-_-_-_-_--_ 
 
1,885 45 
2,277 oo 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o--s-it Time Certificates of Deposit 
 
31,561 10 9, 783 40 
 
80 00 Savings Deposits _--- _--- __ - 
 
Silver, Nickels, Pennies ____ _ 
 
905 68 Trust Funds on Deposit. __ -- 
 
Advances on Cotton ________ _ 2,641 20 Cashier's Checks _- _. _-- __ -- 
 
Advances on other Commodi- 
 
Certified Checks _____ .- ___ -- 
 
181 00 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se--_-_ 
 
Bills Payable -------------- 32,500 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money . __ .- __ .- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - -( i-f- -a-n-y-)- - ---- -- -- -- -- -- -- 
 
and Acceptances . __ - ___ -Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ---------- 
 
Total --------------------$121,435 68 Total --------------------$121,435 68 
 
 !''" 
 
186 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOB'l'. 
 
BANK OF DAHLONEGA, DAHLONEGA. 
 
At Close of Business November 11, 1920. 
 
President-J. F. Pruett. Vice-President!!'-J. M. Brooksher, W. B. Townsend. 
 
Cashier-A. F. Jackson. 
 
. 
 
Directors-J. F. Pruett, W. L. Ash, Mrs. 'I'. H. Jones, .J. M. Brooksher, J. H. 
 
Jenkins, T. F. Christian, W. B. Townsend, W. M. Rice, Homer Head. 
 
Date of Charter-May 27, 1914. 
 
Began Business-June 1, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _---- _________ .$ 43,213 80 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ___ _ Banking House ___________ _ 
 
7,890 86 24,600 00 
2,100 ou 
 
ASumrtp.luRs esFeurvnedd _fo__r__B_r_a_n_c__h_es_ 
UDnivdiidveinddeds PUrnopfaiitds-_-_-_-_-_-_-_-_-_--_ Due to Banks in this State._ 
 
425 00 1,166 32 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ Due from Banks ___________ _ 
 
1,279 05 CDau1e1 tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 5,477 61 Individual Deposits Subject to 
 
Due from Banks in other CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Gold _____________________ _ 
Silver, Nickels, 'Pennies. ___ _ Advances on Cotton ______ - __ Advances on other Commodi- 
 
3,031 00 405 00 688 55 
 
DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f--D-e-p-o-s-i-t Time Certificates of Deposit. 
Savings Deposits ----------Trust Funds on Deposit. ___ _ Cashier's Checks ___________ _ Certified Checks ________ - __ - 
 
43,331 76 25,960 59 
32 44 
 
Chteiecsks --fo--r --C-l-e-a-r-in--g--H-o--u-s-e-._- 
 
Bills Payable --------------- 3,000 00 90 80 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
100 20 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ____ -- - -- - -- - -- - -- - Overdrafts (if any) ________ _ 
 
and Acceptances ________ _ 39 24 Reserve for Interest and Taxes 
 
, 
 
Other Assets --------------- 
 
Other Liabilities __________ _ 
 
I 
i 
 
\ 
 
~. 
 
Total --------------------$ 88,916 11 Total --------------------$ 88,916 11 
 
BANK'S STATEMENT at Close of Business December 15, 1~120. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _____ -- ________ .$ Demand Loans _____________ _ 
 
37,069 29 6,682 70 
 
Capital Stock Paid In. _____ .$ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ _ 
 
8,052 24,600 
 
2006 
 
US unrdpi vl ui ds e dF u nPdr o f-i t-s- - -_-_-_-_-_-_ _- _-_- -_ 
 
425 00 1,022 95 
 
Other Stocks and Bonds ___ _ Banking House ____________ _ Furniture and Fixtures______ 
Other Real Estate Owned ___ _ 
 
Dividends Unpaid----------2,100 00 Due to Banks in this State.1,279 05 CDau1e1 tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 5,684 92 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies. ___ _ Advances on Cotton ________ _ 
 
1,177 13 
2,718 00 405 00 644 31 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f--D-e-p--o-s-it Time Certificates of Deposit. Savings Deposits _______ --Trust Funds on Deposit ___ -Cashier's Checks _________ _ 
 
36,326 16 25,744 59 
19 69 
 
Advances on other CommodiChteiecsks --fo--r --C-l-e-a-r-in-g---H-o--u-s-e-._- 
 
CBeilrltsifiPedayCabhelecks___--__________-_-_-_-_--_ 12,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f -t s- -(-i-f-a-n- -y-) - -_-_-_-_ -_ _- _-_- -_ 
 
and Acceptances ___ -----125 73 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities - ___ ------- 
 
Total---------------------$ 90,538 39 TotaL--------------------$ 90,538 39 
 
 FIRST ANNUAL REPORT 
 
187 
 
EXAMilii'ER'S REPORT. 
 
THE BANK OF LUMPKIN COUNTY, DAHLONEGA. 
 
At Close of Business November 11, 1920. 
 
President-R. C. Meaders. Vice-Presidents-G. H. Moore, W. H. Jones. Cashier-J. S. Speer. 
Directors-R. C. Meaders, A. W. Cain, H. B. Smith, G. H. Moore, J. H. Moore, J. E. Tate, \V. H. Jones, T. J. Smith, W. D. Davis. 
 
Date of Charter-November 7, 1911. 
 
Began Business-1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$115,964 38 Capital Stock Paid In _______ $ 15,000 00 
 
DLoeamnasnSdecLuoreadnsby -R--e-a-l--E-s-t-a-t-e __8_,0_0__0__00_ SAumrtp.luRs eFseurnvded __fo__r__B_r_a_n_c__h_es_ United States Bonds________ 3,650 00 Undivided Profits _________ _ 
 
3,000 00 1,271 26 
 
Other Stocks and Bonds----- --------- Dividends Unpaid----------- 
 
Banking House ------------ --------- Due to Banks in this State-- 
 
Furniture and Fixtures-____ Other Real Estate Owned____ 
 
2,386 50 1,525 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
DDuuee Cfraolml MBoannekys___-_---_-_-_--_-_-_-_-_ 
Currency ----------------Gold ----------------------Silver, Nickels, Pennies----Advances on Cotlon _________ 
 
2202,,359050 7080 
7,250 00 40 00 
105 29 --------- 
 
Individual Deposits Subject to 
DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ____ -- __ -Trust Funds on Deposit_ ___ _ 
 
94,591 86 70,905 83 
 
Advances on other Commodities ____ -- __ - ------------- 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
Cashier's Checks _--- _-------------- Certified Checks __ -- __ --- _-________ _ Bills Payable--------------________ _ Notes and Bills Rediscounted 
Certificates of Deposit for 
 
567 77 
 
ters of Credit and Accept- 
ances __ -- _--------------Overdrafts (if any) -------Other Assets: Depositors' Guarantee Fund_ 
 
- ---------------- 
3,139 60 
 
Borrowed Money ---------Liability on Letters of Credit 
and Acceptances ___ --- _-Reserve for Interest and Taxes Other Liabilities _________ -- 
 
Transit Account ----------- 
 
380 17 
 
Total---------------------$185,336 72 Total---------------------$185,336 72 
 
BANK'S STATEMENT at Close of Business December l'i, B20. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$131,371 56 Capital Stock Paid In_------$ 15,000 00 
 
Demand Loans -------- ___ --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate 5,100 00 Surplus Fund -- _----------- 3,000 00 
 
United States Bonds________ 3,650 00 Undivided Profits---------- 
 
Other Stocks and Bonds_____ Banking House __ - _ _ __ __ _ __ 
 
________ _ ________ _ 
 
Dividends Unpaid -- __ -----Due to Banks in this State-- 
 
675 56 
 
Furniture and Fixtures_--_Other Real Estate Owned____ 
 
2, 386 50 1,525 00 
 
CDaulel tMo oBnaenyks__i_n__o-t_h_e_r_ S- _t_a_t_es_ 
 
Due from Banks in this State 9,292 71 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGuo lrdr e n_c_y_ _ _-_ -_ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- -_ 
 
8,475 81 DeCmhaencdk C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 4,920 00 Time Certificates of DeposiL 
40 00 Savings Deposits -- _- _------ 
 
79,498 04 
70,779 76 155 00 
 
Silver, Nickels. Pennies ____ _ 
 
252 85 Trust Funds on Deposit_-_-- 
 
Advances on Cotton_________ ________ _ Cashier's Checks _____ - ___ - _ 1,210 16 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
Otthieesr C--h-e-c-k-s-a--n-d--C-a-s-h--I-t-e-m--s 
 
-_-_ -_ _-_-_- -- -_-_ 
 
Bills Payable--------------Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
ances -------------------Overdrafts (if any) -------- 
 
Liability on Letters of Credit and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Depositors' Guarantee Fund __ 3,] 39 60 Other Liabilities _____ ------ 
 
Sundry and Current Collec- 
 
tion Items _____ - ____ - ___ - 
 
164 49 
 
----- 
 
TotaL_--------------- ----$170,318 52 Total---------------------$170,318 52 
 
 188 
 
BANKING DEPARTMENT 
 
E:X:AJIIIlii'EB'S BEPOB'l'. 
 
COMMERCIAL SAVINGS BANK, DALLAS. 
At Close of Business July 29, 1920. 
 
President-W. F. Meek. Vice-President-\V. H. Hansard. Cashier-D. E. Pinkston. 
 
Directors-W. F. Meek, W. H. Hansard, W. H. Crew, R. M. Lee, A. W. Stubbs. 
 
Date of Charter-January 28, 1907. 
 
Began Business-February 8, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$159,766 84 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 5,459 07 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 
 
United States Bonds________ Other Stocks and Bonds_____ 
 
8,350 00 45,000 00 
 
DUinvdiidveinddesd PUrnopfaitisd --__-_------_-__-_--_ 
 
7,500 00 3,386 98 
954 00 
 
Banking House--------------- 1,929 75 Due to Banks in this State-- 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
3,082 2,686 
 
96 59 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S-t_a-te- s_ 
 
33,500 00 
 
Due from Banks in this State 16,824 50 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
AT odtvaaln cCeass ho n- -C- -o-t t-o-n- -_-_-_-_-_ _- _-_- -_ 
 
1,006 87 DeCmhaencdk C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 43,759 26 
 
4,888 11 1,749 05 
 
Sapvoinsigts -D--e-p-o-s-i-t-s---_-_-_-_-_-__-_-_--_ 
 
45,134 70 96,107 68 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 
 
609 26 
 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n- -g- -H-o-u- -s e-_-_- 
 
-_-_-_-_-_ _- _- _- -_ 
 
Certified Checks ______ -----Bills Payable --------------- 
 
Other Checks and Cash Items ____ ----- Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
ances _____ -- _-- __ -- _-- ___ Overdrafts (if any) _______ _ 
 
__------131 99 
 
LiaanbdilitAycocenpLtaentcteesrs _o_f__C_r_e_d_i_t 
 
Other Assets --------------- 
 
5,076 15 
 
Reserve for Interest and Taxes Other Liabilities __________ - 
 
Total---------------------$255,951 88 Total---------------------$255,951 88 
 
; 
 
\ 
 
BANK'S STATEMENT at Close of Business December 15, 1~20. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$136,268 82 Capital Stock Paid In-------$ 25,000 00 
 
Demand Loans ------------- 4,387 24 Amt. Reserved for Branches Loans Secured by Real Estate 5,188 80 Surplus Fund ___ .. --- _------ 7,500 00 
 
United States Bonds________ 
 
450 00 Undivided Profits ____ - .. -- .. -- 3,938 89 
 
Other Stocks and Bonds_____ 45,000 00 Dividends Unpaid ____ - _---- 
 
4 00 
 
Banking House ------------ 1,929 7f> Due to Banks in this State_ .. 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
3,032 96 2,686 59 
 
CDaulel tMo oBnaenyks__i_n_ .o...th__e_r__S_t_a_t_es_ 
 
9,500 00 
 
Due from Banks in this State 19,812 74 Individual Deposits Subject to 
 
Due from Banks in other States ---------~-------- 
CGuolrdrenc_y____-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--.. -_ 
 
6,532 99 DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 4,860 10 Time Certificates of Deposit. 
112 00 Savings Deposits ----------- 
 
62,100 17 34,980 29 60,539 49 
 
Silver, Nickels, Pennies ____ _ 1,740 00 Trust Funds on Deposit. __ -- 
 
Advances on Cotton _______ ,.- 2,966 15 Cashier's Checks _------ .. --- 2,088 89 
 
Advances on other Commodi- 
 
Certified Checks ___ .. ------- .. 
 
ties ___ ----- _-- ____ ___ ___ _ -- __ ---- _ Bills Payable ________ - _---- 32,500 00 
 
Checks for Clearing House__ - _- _----- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
74 10 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaft_s_ - (_I-f--a-n-y_)--.-. _-_-_-_-_-_--_ 
 
--------50 65 
 
and Acceptances _____ ---Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Suspense Account ---------- 3,068 86 
 
Total---------------------$238,151 73 Total _____________________ $238,151 73 
 
 FIRST ANNUAL REl'OUT 
 
189 
 
EXAMINER'S BEPOB'l'. 
 
BANK OF DALTON, DALTON. 
 
At Close of Bus.iness September 29, 1920. 
 
President-W. C. Martin. Vice-President-E. P. Davis. Cashier-Joe J. Copeland. 
 
Directors-W. C. Martin, E. P. Davis, Joe J. Copeland, W. A. Broadreck, J. G. 
 
McClellan, P. B. Trammell, Mrs. D. L. Dettor. 
 
Date of Charter-November 26, 1911. 
 
Began Business-October 21, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$266,884 95 Capital Stock Paid In ______ .$ 50,000 00 
 
Demand Loans ------------- 1,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ Other Stocks and Bonds.___ 
 
55 966 96 17',350 00 
1,625 00 
 
Surplus Fund -------------UDnivdiidveinddeds PUrnopfiatisd -_-_-_-_-_-_-_-_-_--_ 
 
5,000 00 3,562 65 
 
Banking House ------------- 16,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures.____ 4,000 00 Due to Banks in other States 
 
Other Real Estate Owned.___ 4,096 41 Call Money ---------------- 
 
Due from Banks in this State 3,243 18 Individual Deposits Subject to 
 
Due from Banks in other States -------~---------- 
CG oulrdr e n_c_y_ _ _-_ -_ -_ -_ _- _- _- _- _- _- _- _-_-_-_-_-_- -_ 
 
2,744 08 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-os-i-t 121.692 04 6,258 00 Time Certificates of Deposit. 15,634 56 
542 50 Savings Deposits _- __ -- ____ _ 97,187 71 
 
Silver, Nickels, Pennies. ___ _ 
 
821 69 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks _-- _--- _--- 1,426 74 
 
A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Certified Checks __ - __ -- __ -- _ Bills Payable -------------- 
 
84,000 00 
 
Checks for Clearing House __ 
 
898 59 Notes and Bills Rediscounted 3,060 00 
 
Other Checks and Cash Items 
 
132 34 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money - __ --- _--- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances _________ -- _.,.-- _---- --------- and Acceptances --------- 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes Other Assets --------------- --------- Other Liabilities ____ -- __ -- _ 
 
Total---------------------$381,563 70 Total.-------------------$381,563 70 
 
IL'.NK'<:i STATEMENT at Close of Business December 15, 1n1. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$214,034 80 Capital Stock Paid In--_- __ .$ 50,000 00 
 
Demand Loans ------------- 2,081 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 68,866 96 Surplus Fund -------------- 5,000 00 
 
United States Bonds.- __ -___ 17,350 00 Undivided Profits ----------- 4,961 27 
 
Other Stocks and Bonds.___ 1,625 00 Dividends Unpaid ---------- 
 
Banking House ------------- 16,000 00 Due to Banks in this State.- 
 
Furniture and Fixtures.--_- 4,000 00 Due to Banks in other States 
 
Other Real Estate Owned.... 4,096 41 Call Money ---------------- 
 
Due from Banks in this State 14,431 56 Individual Deposits Subject to 
 
Due from Banks in other States -- __ - __ - ___ ----- _- 
 
8,149 22 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 105,700 57 
 
CG oulrdr e n_c_y_ _ _ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- _- _- _- -_ 
 
3,832 00 Time Certificates of Deposit 13,094 32 482 50 Savings Deposits ----------- 91,570 46 
 
Silver, Nickels, Pennies. ___ _ 
 
560 01 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks -- __ - __ -- __ 
 
55 78 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ------.---------------- --------- Bills Payable -------------- 74,000 00 
 
Checks for Clearing House . --------- Notes and Bills Rediscounted 15,898 27 
 
Other Checks and Cash Items 4,396 21 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_ _- _-_-_-_- -- 
 
and Acceptances - _------ _ Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities _______ -. __ 
 
FeidnegraCl o. In_t_e_r_n_a_t_io__n_a_l___B_a_n_k_ 
 
375 00 
 
Total _____________________-$3-60-,28-0 -67 TotaL ____________________ $360,280 67 
 
l 
 
 190 
 
BANKING DEPARTME NT 
 
E:X:AMINEB'S BEPOBT. 
 
BANK OF KESTLER, DAMASCUS. 
 
At Close of Business September 22, 1920. 
 
Bresident-J. A. Hightower. Vice-Presidents-F. H. Heaton, H. E. Hightower. 
 
Cashier-E. R. Speight. 
 
Directors-J. A. Hightower, P. H. Heaton, H. E. Hightower, T. E. Hightower, Mrs. 
 
H. E. Hightower, \V. W. Heaton. 
 
Date of Charter-November 3, 1905. 
 
Began Business-November, 1905. 
 
RES.OURCES 
 
LIABILITIES 
 
Time Loans ______________ -$ Demand Loans ____________ _ 
Loans Secured by Real Estate United States Bonds -------- 
 
89,965 30 9,214 15 
10,940 00 
 
Capital Stock Paid In ______ -$ 
SAumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c__h_es_ Undivided Profits __________ _ 
 
25,000 00 
5,000 00 5,327 12 
 
Other Stocks and Bonds ____ _ Banking House ___________ _ 
 
--------6,510 44 
 
Dividends Unpaid ---------Dut to Banks in this State __ 
 
51 68 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
1,950 1,702 
 
33 0 7 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 16,598 57 Individual Deposits Subject to 
 
Due from Banks in other States -------------------- 
GC oulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
1,824 49 DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 5,699 00 Time Certificates of Deposit_ 
80 00 Savings Deposits---------- 
 
50,147 93 32,615 10 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other CommodiChteiecsks --fo--r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
667 834 
 
05 00 
 
1,737 05 
 
Trust Funds on DeposiL ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted 
 
629 99 30,000 00 
 
Other Checks and Cask Items 1,197 24 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 
 
ters of Credit and AcceptO vaenrcdersa f -t s- - -( i-f- -a-n-y-)- - -_-_-_ _- _-_-_- -_ Other Assets --------------- 
 
Liability on Letters of Credit and Acc<>ptances ________ _ 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
148 14 
 
Total---------------------$148,919 96 Total---------------------$148,919 96 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILI'l'IES 
 
Time Loans --- ______ ---- __ -$ 89,535 81 Capital Stock Paid In _______ $ 25,000 "" Demand Loans ______ ---- _ 10,797 15 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund -------------- 5,000 00 
 
United States Bonds __ - _---- 10,940 00 Undivided Profits ----------- 4,810 41 
 
Other Stocks and Bonds_---- - ___ ----- Dividends Unpaid ---------- 
 
Banking House __ ---------- 6,510 44 Due to Banks in this State_- 
 
Furniture and Fixtures ____ _ Other Real Estate Owned_--- 
 
] ,950 1,702 
 
3370 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 4,203 07 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n_c_y_ _ _ _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
213 91 DeCmhaenckd C-e-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 3,068 00 Time Certificates of DeposiL 
100 00 Savings Deposits __ --------- 
 
31,740 75 29,008 26 
 
Silver, Nickels, Pennies ____ _ 
 
649 95 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _______ _ 1,159 00 Cashier's Checks------------ 2,030 57 
 
Advances on other Commodi- 
 
Certified Checks ____ - _------ 
 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n-g- - -H-o-u- -s e- -__- 
 
Bills Payable ------- ___ -- _- 35,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,759 99 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-_ _-_-_- -_ 
 
Liability on Lefters of Credit and Acceptances _- ______ _ 
Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities _--- ___ ---- 
 
Total---------------------$132,589 99 
 
Total _____________________ $132,589 99 
 
 FIRST ANNUAL REPORT 
 
191 
 
EXAMINER'S BEPOB'l'. 
BANK OF DANIELSVILLE, DANIELSVILLE. 
At Close of Business September 4, 1920. 
President-Jno. F. Holden. Vice-Presidents-G. 0. Griffith, J. N. Griffith. Cashier-;R. C. Griffith. 
Directors-Jno. F. Holden, Geo. C. Griffith, J. N. Griffith, R. C. Griffith, B. F. Anthony, 0. K. Griffith, E. C. Griffith, B. B. MoseLey, J. D. Thompson, J. C. Tyner. 
Date of Charter-1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 
Demand Loans ------------- 
 
91,485 10,000 
 
36 00 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 7,075 90 Surplus Fund -------------- 10,000 ou 
 
United States Bonds _______ _ Other Stocks and Bonds ____ _ 
 
7,000 
 
00 
 
Undivided Profits ----------Dividends Unpaid _________ _ 
 
8,380 18 
 
Banking House ____________ _ 2,375 28 Due to Banks in this State __ 1,150 71 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
1,365 25 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 8,940 77 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
1,009 02 DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 625 00 Time Certificates of DeposiL Savings Deposits ----------- 
1,049 96 Cashier's Checks ____ --- _-- _ 
 
67,438 97 18,545 27 
152 87 
 
Advances on Cotton ________ _ Advances on other Commodi- 
 
CBeilrltsifiPedayCabhleecks___-_-_-_-_--- -_-__----_-_ 10,000 00 
 
Chteiecsks--fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ Other Checl<s and Cash Items 
 
!'<otes and Bills Rediscounted 
 
24 
 
66 
 
Certificates of Deposit for Borrowed Money ___ --- _-- _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances -------- _ 
 
OO tvahenercrdersAa fs-tss-e-t(s-i-f-_a-_n-_y-_-_) -_ _--_--_--_--_--_--_--_-- --_ 
 
Reserve for Interest and Taxes 661 80 Other Liabilities _---------- 
 
Total---------------------$130,668 00 Total---------------------$130,668 00 
 
BANK'S STATEMENT at Close, of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 83,876 57 Capital Stock Paid In-- __ ---$ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
10,000 8,946 
 
00 00 
 
SAumrpt.luRs eFseurnvded __f_o_r__B__ra_n__c_h_es_ 
 
7,000 00 Undivided Profits _________ _ 
 
Dividends Unpaid ---------- 
 
2,375 28 Due to Banks in this State __ 
 
1,365 25 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
10,000 00 7,195 00 
 
Due from Banks in this State 13,753 84 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency ------------------GSiollvder, -N--i-c-k-e-ls-.--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton ________ _ 
 
48 88 5,143 00 
309 89 
 
DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ 
Savings Deposits ----------Trust Funds on DeposiL ___ _ Cashier's Checks __________ _ 
 
74,103 49 19,269 42 
160 83 
 
Adtvieasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_Checks for Clearing House __ 
 
Certified Checks __ - __ -- __ -- _ Bills Payable--------------1,608 78 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
247 25 CeBrtoirfriocawteesd MoofneDy e_p_o_s_i_t___f_or_ 
 
ters of Credit and AcceptOvaenrcdersaft-s--(-i-f-a-n-y--) ------------------- 
 
Liability on Letters of Credit and Acceptances _____ - __ _ 
Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ----------- 
 
Total---------------------$125,728 74 Total---------------------$125,728 74 
 
 192 
 
BANKING DlilPARTMENT 
 
EXAlllliNEB'S BEPOBT. 
 
BANK OF DANVILLE, DANVILLE. 
 
At Close of Business July 13, 1920. 
 
President-H. L. D. Hughes. Vice-President-G. E. Chapman. Cashier-C. R. Faulk. 
 
. Directors-H. L. D. Hughes, G. E. Chapman, C. R. Faulk, W. W. Howell. 
 
Date of Charte-r-August 19, 1905. 
 
Began Business-October 1, 1905. 
~ 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n-s- - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
98,566 54,735 
 
31 39 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by J'teal Estate United States Bonds. _______ _ Other Stocks and Bonds ____ _ Banking House ___________ _ 
 
Surplus Fund -------------31,470 26 Undivided Profits ----------- 
4,500 00 Dividends Unpaid ---------1,000 00 Due to Banks in this State_- 
 
36,246 25 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
1,213 50 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 10,803 04 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_- -_ 
 
4,298 85 DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f--D-e-p-o--si-t 
 
91,991 11 3,600 00 
 
1,954 00 Time Certificates of Deposit_ 84,671 44 
 
17 50 Savings Deposits _---------- 
 
Silver, Nickels, Pennies ____ _ 
 
461 82 Cashier's Checks __ .-------- 1,007 52 
 
Advances on Cotton _____ ---Advances on other Commodi- 
 
1,080 91 CBeilrltsifiPeadyaCbhleeck_s___-_-_-_-_-_-_--------_-. 17,200 00 
 
Chteiecsks--fo--r --C-l-e-a-r-in-g---H-o-u--s-e-__- 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 
 
230 02 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances -- _------ 
 
O vaenrcdersa f -t s- - (-i-f- -a-n-y-)- - -_-_-_-_ -_ _-_- -_ 
 
Reserve for Interest and Taxes 35,823 92 Other Liabilities: 
 
Other Assets: 
 
Cash Long ________ --------- 
 
23 69 
 
Depositors' Guarantee Fund_ 3,464 49 
 
Mutual Fire Insurance Fund_ 
 
120 00 
 
Total---------------------$249,740 01 Total.--------------------$249,740 01 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ____ ---- _______ -$ 87,484 81 Capital Stock Paid In ____ -_-$ 15,000 00 Demand Loans ____________ _ 56,543 21 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund -------------- 
 
United States Bonds ____ ---- 11,470 26 Undivided Profits ----------- 33,014 37 
 
Other Stocks and Bonds. ___ - 4,575 00 Dividends Unpaid ---------Banking House _________ --- 1,000 00 Due to Banks in this State_- 
 
Furniture and Fixtures.---Other Real Estate Owned---Due from Banks in this State Due from Banks in other 
States ------------------CGuo lrdr e n_c_y_ _ _ _-_- -- -- -_-_-_-_-_ -_ -_ _- _- _- _-_-_- -_ 
Silver, Nickels, Pennies __ --- 
 
1,213 50 Due to Banks in other States Call Money _________ ------- 
15,158 80 Individual Deposits Subject to 
7,260 69 DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 1,772 00 Time Certificates of Deposit- 
24 00 Savings Deposits ---------- 790 58 Trust Funds on Deposit_ ___ _ 
 
55,127 65 80,623 65 
 
Advances on Cotton ____ ----- 1,330 Hi Cashier's Checks ----------- 
 
Advances on other Commodi- 
Chteiecsks --fo--r --Cl-e-a-r-i-n-~-;--H-o-u-s-~---. Other Checks and Cash Items 
 
Certified Checks -----------Dills Payable _______ -------- 
:N"otes and Bills Rediscounted 178 06 Certificates of Deposit for 
 
7,500 00 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-__-_-_--_ 
 
and Acceptances --------297 49 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Overdrafts Secured by Cotton 1,787 95 
 
- - - - Collection Account ___ ------- 
 
379 
 
Total _____________________ $191,265 
 
-1677 
 
Total---------------------$191,265 67 
 
 FIRST ANNUAL REPORT 
 
193 
 
E:X:AMINE:S.'S :S.EPO:S.T. 
 
THE DARIEN BANK, DARIEN. 
 
At Close of Business September 28, 1920. 
 
President-C. M. Tyson. Vice-President-J. G. Forbes. Cashier-J. A. Soace. 
 
Directors-C. M. Tyson, J. F. Thomson, J. G. Forbes, John Manson, J. A. Space. 
 
Date of Charter-'December 8, 1888. 
 
Began Business-January 23, 1889 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
 
79,027 35,364 
 
44 46 
 
Capital Stock Paid In.-----.$ Amt. Reserved for Branches 
 
25,000 00 
 
Loans Secured by Real Estate 49,293 37 Surplus Fund __ ---- _------- 
 
United States Bonds. _______ _ 28,400 00 Undivided Profits -- __ --- _--- 
 
--------- Other Stocks and Bonds ___ _ 
Banking House ____________ _ 
 
Dividends Unpaid ---------2,000 00 Due to Banks in this State._ 
 
5,000 00 26,490 41 
875 29 
 
Furniture and Fixtures. ___ _ Other Real Estate Owned. __ _ 
 
900 2,100 
 
00 00 
 
Due to Banks in other States Call Money _______________ _ 
 
Due from Banks in this State 6,264 22 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder,--N--i-c-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--_ Advances on Cotton ________ _ Advances on other Commodi- 
 
76 86 5,689 00 
140 00 1,503 69 
--------- 
 
DeCmhaenckd C-e-r-t-i-fi-c-a-t-e-s-o-f--D-e-p-o--si-t Time Certificates of Deposit. 
Savings Deposits -- _----- .. Trust Funds on_ Deposit. ... . Cashier's Checks -- ... -- .... . Bills Payable __ . __ .... - .... . 
 
58,045 84 17,750 00 
9, 693 20 68,026 57 
646 82 
 
Chteiecsks --fo--r--C-l-e-a-r-in-g---H-o--u-s-e-._- 
 
---1-7-2---74- 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 
 
299 00 Borrowed Money .... - .... 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances .. _--.--. 
 
O vaenrcdersa f t-s- -(-I-f-a-n- y- -) - -_-_-_-_-_-_-_ _- -_ Other Assets ______________ _ 
 
Reserve for IntereRt and Taxes 73 60 Other Liabilities ..... -.- ... 223 75 
 
TotaL._ .. _....... ___ ..... $211,528 13 Total .................... $211,528 1~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans .... _.. _.- ...... $ 96,239 76 Capital Stock Paid In ....... $ 25,000 on 
 
Demand Loans .. _... _. _... . 17,657 46 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 38,192 24 Surplus Fund __ . - .. _-. _... 5,000 !lO 
 
United States Bonds ..... _.. 28,600 00 Undivided Profits .. - .. - .. -.- 9, 900 63 
 
Other Stocks and Bonds ... __ Banking House ___ . _...... .. 
 
--------- 
2,000 00 
 
Dividends Unpaid - _.-.-.--. Due to Banks in this State 
 
248 74 
 
Furniture and Fixtures.... . 
 
900 00 Due to Banks in other States 
 
Other Real Estate Owned ... _ 2,100 00 Call Money----------------- 
 
Due from Banks in this State 7,019 26 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder,--N--ic-k--e-ls-,--P-e-n--n-ie--s-.-.-. -_-. 
 
3,903 61 5,466 00 
125 00 1,760 35 
 
DeCmhaencdk Ce-r-t-i-fi-c-a-t-e-s-o-f--D-e-p-o--si-t Time Certificates of Deposit. 
Savings Deposits ----------Trust Funds on Deposit. ... - 
 
56,823 58 4,250 00 11,168 20 67,322 62 
 
Advances on Cotton ........ . Adtiveasnc_e_s.o_n_ .o_t_h_e.r..C..om__m__o_d.i-_ 
Checks for Clearing House._ Other Checks and Cash Items 
 
--------- 
----------------- 
91 50 
 
Cashier's Checks . __ ..... - .. Certified Checks - ... - ...... . Notes ana Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------- 
 
6,029 95 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ... -- .. - .. 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- -S- -e-c-u-r-e-d-. 
 
Reserve for Interest and Taxes 12 67 Other Liabilities: 
 
Other Assets _......... _.. . 
 
Reserve Ace............. . 
 
TotaL ... _.. _........ __ ... $204,055 18 Total ..................... $204,055 18 
 
 Hl4 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
MERCHANTS & FARMERS BANK, DAVISBORO. 
 
At Close of Business September 14, 1920. 
 
President-C. \V. Kitchen. Vice-President-C. T. Morris. Cashier-!. W. Arnold. 
 
Directors-C. vV. Kitchen, C. T. Morris, S. J. Taylor, 0. H. P. Beall, J. F. Kitchen, 
 
C. R. Walden, R. L. Taylor, J. E. Brown, \Y. C. Wilson, I. W. Arnold. 
 
Date of Charter-November 4, 1905. 
 
Began Business-November, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$124,568 56 Capital stock Paid In _______ $ 25,000 00 Demand Loans ____________ 26,083 57 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 1,000 00 United States Bonds_________ 8,049 46 Undivided Profits _---------- 6,765 32 
 
Other Stocks and Bonds_____ 8,100 00 Dividends Unpaid ----------Banking House _____________ 2,500 00 Due to Banks in this State_- 
 
Furniture and Fixtures______ 2,032 75 Due to Banks in other States 
 
Other Real Estate Owned _____________ Call Money----------------- 
 
Due from Banks in this State 9,990 95 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ------------------- 68,138 39 
 
States ___________________ 3,054 14 Demand Certificates of Deposit 
 
Currency __________________ 3,451 00 Time Certificates of Deposit_ 42,067 96 
 
Gold ----------------------- 
 
242 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies _ __ _ l ,364 21 Trust Funds on Deposit__--_ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
55 60 
 
Advances on other Com modi- 
 
Certified Checks - _---------- 
 
ties ___ _________ __ __ _ __ _ _ __ _ _ __ __ _ Bills Payable __ - _---------- 
 
G,OOO 00 
 
Checks for Clearing House__ 
 
917 65 :\otes and Bills Rediscounted 
 
Other Checks and Cash Items 9,672 48 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ -- __ -- _ 
 
atenrcsesof_ _C_r_e_d_i_t_ _a_n_d_ _A__c_c_e_p_t-_ __ _ _ __ _ _ _ LiaanbdiliAtyccoenptLanectteesrs__o_f- _C_r_e_d_i_t 
 
Overdrafts (if any) _________ _________ Reserve for Interest and Taxes 
 
Other Assets --------------- . ________ Other Liabilities------------ 
 
Total _____________________ $193,027 27 Total _____________________ $193,027 27 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Titne Loans ________________ $ 83,652 82 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ___ - ________ _ H,ll9 73 Amt. Reserved for Branches 
 
Loans Secured b'y Real Estate United States Bonds ________ _ Other Stocks and Bonds- __ _ 
Banking House ------------Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
!9,684 25 G,647 06 1,100 00 2,500 00 3,501 46 
 
Surplus Fund -------------Undivided Profits ----------Dividends Unpaid----------Due to Banks in this State __ CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
1,000 00 5, 739 76 
 
Due from Banks in this State ]6,508 33 Individual 'Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------Gold ----------------------Silver, :'\Tickels, Pennies ____ _ Advances on Cotton ________ _ 
Advances on other Commodities --- _-- _- __ --- _----- __ 
 
1,619 90 DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 2,728 00 Time Certificates of Deposit_ 
218 0 0 Savings Deposits __________ _ 1,803 01 Trust Funds on Deposit_ ___ _ 
6,877 50 CCearsthifiieerd's CChheeckcsks_-_-_-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ 
 
G2,626 72 32,238 87 
52 47 4G,849 36 
 
Checks for Clearing House __ 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2.550 12 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liahility on Letters of Credit 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y- )- - -_-_-_-_ _- _-_-_- -_ Other Assets --------------- 
 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
TotaL ____________________ $162,507 18 TotaL ___ - _____________ -- _$]62,507 18 
 
 FmsT ANNUAL HEPORT 
 
195 
 
EXAMINER'S REPORT. 
 
PLANTERS STATE BANK, DAVISBORO. 
 
At Close of Business October 8. 1920. 
 
President-.1. W. Aldred. Vice-President-H. L. Downs. Cashier-J. -..:. Dan.cl. 
 
Directors-J. "\Y. Aldred, R. L. Downs, J. E. Daniel, A. Baker, W. u. Taylor. 
 
Date of Charter-October 7, 1911. 
 
Began Business-Octoll.,r 12. 191"i. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 56,686 16 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 1,274 36 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ____________ _ Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ 
 
2,500 00 2,55! 11 
 
SUunrdpilvuids edFuPnrdof-it-s---_-_-_-_-_-_-__-_--_ 
Dividends Unpaid----------Due to Banks in this State_CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
12,414 79 6, 789 26 
 
Due from Banks in this State 34,518 89 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency ------------------ 
 
912 21 DeCmhaenckd Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 2,275 00 Time Certificates of Deposit_ 
 
GS iollvde r ,- -N- -i-c-k-e-l s-.- -P- -e-n-n-i-e-s-_-_-__- -_ 
 
20 00 Savings Deposits ----------703 7 2 Trust Funds on Deposi L ___ _ 
 
Advances on Cotton _________ _ 7,938 9 2 Cashier's Checks ____ -- __ - _- 
 
Advances on other Commodi- 
 
Certified Checks _- ____ - ____ - 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
 
Bills Payable ____ - ____ - ____ _ 20.286 84 Notes and Bills Rediscounted 
 
77,689 76 7,078 99 
667 52 1 0,000 00 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -_-_-_-_ _- _-_- -_ Other Assets ______________ _ 
 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
TotaL ____________________ $129,670 21 Total --------------------$129,670 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ Demand Loans ------------Loans Secured by Real Estate United States Bonds- ___ " __ _ Other Stocks and Bonds _____ _ 
Banking House ------------Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i c-k- -e-l s-,- -P-e- n- -n-i e- -s -_-__-_- -_ Advances on Cotton ______ , __ Adtiveasnce_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- 
Checks for Clearin.g- flouse __ Other Checks and Cash Item" Customers' Liability on Let- 
ters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f-a-n-y--) --_-_-__-_-_-_-_--_ Other Assets ______________ _ 
 
35,490 36 11,450 00 
250 00 2,500 00 2,554 11 
15,740 43 3,952 36 3,114 00 20 00 607 65 3.146 67 
1,677 07 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 12,414 79 Undivided Profits ----------- 4,132 80 Dividends Unpaid----------Due to Banks in this State_CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Individual Deposits Subject to 
DeCmhaencdk Ce-r-t-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t Time Certificates of DeposiL Savings Deposits----------Trust Funds on Deposit_ ___ _ 
Cashier's Checks ----------Certified Checks ______ - ____ - 
 
42,317 92 4, 798 99 
338 15 
 
Bills Payable--------------'\'otes and Bills Rediscounted Certificates of Deposit for 
Borro,ved Mone~r ________ _ 
 
Liability on Letters of Credit 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities: ~f't 1Tp For Hepair~- _______ _ 
 
1 ,iiOO 00 
 
Total _____________________ $ 80,502 65 
 
Tota'---------------------$ 80,502 65 
 
 .r. . . . . . . . ,..,..,,.,.-~--~.,..~ -71"'""-.. -,~----- 
 
... -..,~ ,.,. . ... ~ --~\' .. 
 
I 
 
196 
 
BANKING DEPARTMENT 
 
E:XAMilfEB'S BEPOB'l'. 
 
BANK OF DAWSON, DAWSON. 
 
President-M. C. Edwards. Vice-President-J. P. Perry. Cashier- C. D. Cocl;e. 
 
Directors-M. C. Edwards, J. P. Perry, C. D. Cocke, J. A. Lait~, .J. A. ShieldH, 
 
'" A. Davidson, W. D. Davidson, J ..C. Hollingsworth, R. K Bell. 
 
Date of Charter-June 29, 1911. 
 
Began Business-July 1, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$268,173 19 Capital Stock Paid In ....... $100,000 00 
 
Demand Loans ------------- 20,001 98 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 50,000 00 Surplus Fund -------------- 35,000 00 
 
United States Bonds ...... _ 37,500 00 Undivided Profits ----------- 7,093 36 
 
Other Stocks and Bonds..... _______  _ Dividends Unpaid . . . . .  . .  . . . ....... . Banking House _.... _. _____ _ _______ _ Due to Banks in this State.. 10,648 67 
 
Furniture and Fixtures..... . _.. _. __ . Due to Banks in other States ........ . 
 
Other Real Estate Owned .. __ ________ _ Call Money----------------- --------- 
 
Due from Banks in this State 26,336 16 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GS iol lvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-. _- -.-. -_ 
 
5,172 73 4,181 00 
315 00 1,037 25 
 
Check ------------------Demand Certificates of Deposit Time Certificates of Deposit. 
Savings Deposits ----------Trust Funds on DeposiL.... 
 
127,322 32 ... _..... 6f,242 39 
..-------. ....... . 
 
Advances on Cotton ........ . 23,379 54 Cashier's Checks ----------- 1,329 35 
 
Advances on other Commodi- 
 
Certified Checks . . . . . . . . . . . . . ....... 
 
ties . . . . . . . . . . . . . . . . . . . . . . _.. _.. _. Bills Payable .............. _ 93,500 00 
 
Checks for Clearing House._ 
 
572 27 Notes and Bills Rediscounted ........ . 
 
Other Checks and Cash Items 2, 762 94 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money . . . . . . . . . . ....... 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances __ - - _- __ - - - - - - - - - - - - - - - - - - - - - and Acceptances . . . . . . . . . . . ..... _.. 
 
Overdrafts (if any) ... _. _... 
 
752 28 Reserve for Interest and Taxes ..... _... 
 
Other Assets ........ _.. _.. _ ... __ .. _. Other Liabilities: 
 
Cash Long .... _.......... . 
 
48 25 
 
Total ..................... $440,184 34 Total ................... $440,184 34 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES I 
 
Time Loans ----------------$254,76'2 22 Capital Stock Paid In ...... $100,000 00 
 
Demand Loans ------------- 33,797 07 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 34,208 60 Surplus Fund -------------- 35,000 00 
 
United States Bonds......... 36,500 00 Undivided Profits ----------- 7,909 40 
 
Other Stocks and Bonds..... 
 
375 00 Dividends Unpaid . . . . . . . .  . .  .. _.... _ 
 
Banking House . . . . . . . . . . . . . ....... . Due to Banks in this State.. 5,753 o~ 
 
Furniture and Fixtures..... --------- Due to Banks in other States ........ . 
 
Other Real Estate Owned .... --------- Call Money . . .  . . . . .  . . . . .  .  ....... 
 
Due from Banks in this State 20,189 04 Individual Deposits Subject to 
 
Due from Banks in other States ------------------- 
CGoulrdrenc.y. ___-_--. -_-__-_-_-_-_-_-_-_-_-_-__-_--_ 
 
Check ------------------- 111,332 34 7,837 46 Demand Certificates of Deposit .. _.. __ _ 
5,505 00 Time Certificates of DeposiL 58,717 37 325 00 Savings Deposits----------- --------- 
 
Silver, Nickels, Pennies .... . 
 
915 05 Trust Funds on Deposit_. ___ --------- 
 
Advances on Cotton . . . . . . . . . 12,003 21 Cashier's Checks ----------- 
 
280 49 
 
A dtvi easn c e.s. .o_n_ _o_t_h_e_r_ _C_o_ m_ _m_ _o_d_i_- 
 
________ _ 
 
Certified Checks . . . . . . . . . . .  Bills Payable -------------- 
 
. ....... . 93,500 00 
 
Checks for Clearing House .. 5,531 36 Notes and Bills Rediscounted ..... _... 
 
Other Checks and Cash Items ........ . Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ - __ -- _- -- __ - __ - _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -. -. -. -. -. -. -. -. 
 
and Acceptances . __ .. _.... . ....... _ 543 61 Reserve for Interest and Taxes ........ . 
 
Other Assets --------------- 
 
Other LiabllitieR _....... - . - ...... . 
 
Total. ___________________ .$412,492 62 TotaL.-------------------$412,492 62 
 
 FIRST ANNUAL REPORT 
 
197 
 
E:XAMINEB'S BEPOB'r. 
 
FIRST STATE BANK, DAWSON. 
 
At Close of Business October 23, 1920. 
 
President-W. A. Baldwin. Cashier-E . .J. P::1ce. 
 
Directors-W. A. Baldwin, J. M. Bell, J. R. Mercer. 
 
Date of Charter-August 27, 1887. 
 
Began Business-September 21, 1887. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$148,658 50 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 5,791 30 Amt. Reserved for Branches 
 
Loans Secured hy Real Estate 15,000 00 Surplus Fund -------------- 50,000 00 United States Bonds ________ 10,150 00 Undivided Profits ----------- 22,876 61 
 
Other Stocks and Bonds_____ 1,400 00 Due to Banks in this State_- 
 
421 21 
 
BFuanrnkiitnugreHaonudse Fi-x-t-u-r-e-s-_-_-_-_-_- 
 
_- -_ _- _-_-_-_-_- -_ 
 
Due to Banks in other States Ca 11 Money ----------------- 
 
Other Real Estate Owned ____ 21,345 11 Individual Deposits Subject to 
 
Due from Banks in this State Due from Banks in other 
 
13,324 39 DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
53,460 83 
 
States ------------------Currency -----------------GS iol vl de r ,- -N- -i c-k- -e-l s-,- -P-e- n- -n-i e- -s -_-__-_- -_ 
 
4,476 07 Time Certificates of Deposit_ 15,200 09 
 
4,370 00 Savings Deposits ----------- 
 
215 00 Trust Funds on Deposit__--_ 864 67 Cashier's Checks ________ -- _ 
 
286 12 
 
Advances on Cotton_________ Adtvieasnce_s__o_n__o_t_h_er__C_o_m_ _m_ _o_d_i_- 
 
________ _ CBeilrltsifiPedayCabhleecks___- _____-_-_-_-_-_-_-_--_ ________ _ Notes and Bills Rediscounted 
 
28,500 00 
 
Checks for Clearing- House__ 11,023 02 Certificates of Deposit for 
 
Other Checks and Cash Items 4,490 52 Borrowed Money _- _------ 
 
Customers' Liability on Letters of Credit and Accept- 
 
LiaanbdiliAtyccoenptLanectteesrs__o_f__C_r_e_d_i_t 
 
Ovaenrcdersaft_s__(-i_f-a-n_y- )- - _- -__- -_-__- _- -__- 
 
-_-__- _- _-_-_-_- _- 
 
Reserve for Interest and Taxes Other Liabilities ______ - __ - _ 
 
11,500 00 
 
Other Assets ______________ _ 7, 500 00 Cash Long ----------------- 
 
123 98 
 
Due Clearing ____ - _--------- 16,239 74 
 
Total _____________________ $248,608 58 Total _____________________ $248,608 58 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$160,443 52 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 3,911 60 Amt. Reserved for Branches Loans Secured hy Real Estate --------- Surplus Fund -------------- 50,000 00 United States Bonds________ 10,150 00 Undivided Profits ___ - _-- __ - _ 12,482 00 
 
Other Stocks and Bonds_____ 1,400 00 Dividends Unpaid----------- 
 
Banking House ------------ --------- Due to Banks in this State __ "F'urniture and Fixtures_____ _________ Due to Banks in other States 
 
414 25 
 
Other Real FJstate Owned____ 18,845 11 Call Money _-- __ - _-- __ -- _--- 
 
Due from Banks in this State 4,461 37 Individual Deposits Subject to 
 
Due from Banks in other 
 
Check ________ - __ - __ - ___ _ 57,232 85 
 
States ------------------- 6.957 06 Demand Certificates of Deposit Currency _- ________________ 4,042 00 Time Certificates of Deposit_ 15,192 09 
 
Gold ----------------------Silver, Nickels. Pennies _____ Advances on Cotton_________ Adtvieasnce_s__o_n__o_t_h_e_r__C_o_m__m_ _o_d_i-_ 
 
210 00 Savings Deposits ----------2,170 75 'f'rust Funds on Deposit_ ___ _ _________ Cashier's Checks ___________ _ __ __ _ _ __ _ CBeilrltsifiPeadyaCbhleeck__s ____- _____- _____-___-_- __ 
 
258 70 26,000 00 
 
Checks for Clearin" House and 
 
Notes and Bills Rediscounted 
 
other Checks and Cash Items 2,988 48 Certificates of Deposit for 
 
Customers' Liahilitv on Let- 
 
Borrowed Money _- __ - __ - _ 
 
atenrcsesof__C_r_e_d_i_t__an__d_ _A_ _c_c_e_p_t-_ _ _ __ __ __ _ LiaanbdiliAtyccoenptaLnectetRers__o_f__C_r_e_d_i_t 
 
Overdrafts (if any) _________ _________ Reserve for Tnterest and Taxes 
 
Other ARRPts: 
 
OthPr Liabilities: 
 
Long Lonns ..Assutnf'fl hy otllPl'R 7,[i00 00 LnEn~staLteoan_s__A__ss_u__m_e_d__o_n__R__e_n_l 11.fi00 00 
 
TotaL ___________________ -$223,079 S9 Total _____________________ $223,079 89 
 
 198 
 
BANKING DEPAUTMEN'f 
 
EXAMI:REB'S BEPOBT. 
 
THE FARMERS & CITIZENS BANK, DAWSONVILLE. 
 
At Close of Business November 9, 1920. 
 
President-Hoyt Brannon. Vice-Presidents-E. McClure, S. A. West. 
 
Directors-Hoyt Brannon, J. R. Anderson, I. I. Brannon, E. McClure, A . .J. An- 
 
derson, E. C. Brannon, S. A. \Vest, B. H. Howard. 
 
Date of Charter-November 9, 1911. 
 
Began Business-January 1, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$418,239 04 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ------------- 3,261 75 Amt. Reserved for Branches United States Bonds ______ 12,550 00 Surplus Fund - _-. _- _-- _---- 5,000 00 
 
Other Stocks and Bonds_____ Banking House _____________ Furniture and F'ixtures ____ 
 
6,260 00 Undivided Profits----------1,500 00 Dividends Unpaid----------2,500 00 Due to Banks in tMs State._ 
 
189 75 
 
Other Real Estate Owned____ 1,000 ou Due to Banks in other States 
 
Due from Banks in this State 
 
330 27 Call Money __ -------------- 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
States ------------------- 2,562 30 
 
Currency ------------------ 5,587 00 
 
GSiollvder,--N-i-c-k-e-l-s-. -P--e-n-n-i-e-s--_-_-_-_-_ _ 
 
885 00 40 56 
 
Advances on Cotton ________ _- ______ _ 
 
DeCmhaencdk C--e-rt-i-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t Tim~ Certificates of Deposit_ Savings Deposits - _--------Trust Funds on Deposit-_-- 
 
185,195 180,756 
 
20 70 
 
Advances on other Commodi- 
 
Cashier's Checks - ____ - _-- _- _ 
 
577 35 
 
ties --- _- _- _-- _- _--- __ ---- -- ___ ---. Certified Checks ____ . ___ -- _- _ 
 
8 68 
 
Checks for Clearing House __ 
 
609 25 Bills Payable _______ - _-- __ _ 55,000 00 
 
Other Checks and Cash Items 4,312 81 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t_-  
 
________ _ 
 
Borrowed Money --------Liability on Letters of Credit, 
 
10,000 00 
 
Overdrafts (if any) -------- --------- and Acceptances ________ _ 
 
COathsher SAhsosretts:_______________ _ War Savings Stamps ______ _ 
 
Reserve for Interest and Taxes 4 35 Other Liabilities: 169 32 Customers' Bonds ____ - ___ _ 
 
2,200 00 
 
Profit and Loss ------------ 4,116 01 
 
Total --------------------$463,927 68 Total --------------------$463,927 68 
 
BANK'S STATEMENT at Close of Business December 15, 19~0 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 1,460 00 Capital Stock Paid In _____ .$ 25,000 00 
 
Demand Loans ------------- 316,015 16 -\mt. Reserved for Branches 
 
Loans Secured by Real Estate 55,050 00 Surplus Fund - _--.- _-.-- _- _ 5, 000 00 
 
United States Bonds _-. ___ 12,200 00 TJndivided Profits ____ - _- __ - _ 
 
Other Stocks and Bonds ____ ________ _ Dividends Unpaid----------- 
 
Banking House ------------ 1,500 00 Due to Banks in this State._ 
 
Furniture and Fixtures ____ Other Real Estate Owned ____ 
 
3,500 00 1.000 00 
 
CDauIeI tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 16,888 35 Individual Deposits Subject to 
 
Due from Banks in other States-------------------- 
 
816 62 DeCmhaencdk C-e-rt-i-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 123,719 72 
 
CGoulrdren_c_y__ -- -_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_--_ 
 
3,389 00 Time Certificates of Deposit 185,452 21 75 00 Savings Deposits ----------- 
 
Silver, Nickels. Pennies _____ _ Advances on Cotton ________ 
 
_ ____9_7 __23_ 
 
Trust Funds on Deposit__._ Cashier's Checks------------ 
 
1,937 20 
 
Adtvieasnc_e_s__o_n__o_t-h_e-r__C__om- _m__o_d_i-_ 
 
_- _- __ - _- 
 
CPrtified Checks __ - __ --- _- __ Bills Payable ____ - ____ - _- __ 
 
15 6R 66,000 00 
 
Other Checks and Cash Items Customers' Liabilitv on Let- 
ters of Credit and AcceptO vaenrcdersa f -t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_ -_ _- -_ 
 
664 86 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money __ -_----Liability on Letters of Credit, 
and Acceptances ________ _ 
 
10,000 00 
 
Other Assets: V\Tar Savings Statnp:;; _- ___ _ Profit an<l Loss -----------Loss on F. S. Bonds -------- 
 
Reserve for Interest and TaxPs 311 2fi Other Liabilities: 3,469 29 Cn,;tomers' Ron<ls ________ _ 2,338 Ori 
 
1,6fi0 00 
 
Total --------------------$418,774 81 Total --------------------$418,774 81 
 
 FIRST ANNUAL REPORT 
 
19!) 
 
E:X:AMINEB'S BEPOBT. 
 
BANK OF DEARING, DEARING. 
 
At Close of Business September 13, 1920. 
 
President-Fred J. Howard. Vice-Presidents-J. R. Printup, S. M. Haywood. 
 
Cashier-D. A. Howard. 
 
Directors-James Arrington, A. M. Bailey, J. B. Baggott, J. D. Howard, 0. Howa,rd, 
 
,,._ J. Howard, Wm. McGahee, C. H. Williams. 
 
Date of Charter-June, 1911. 
 
Began Business-June, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ___________ _ 
 
72,692 7,100 
 
70 00 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches 
 
15,000 
 
00 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ___ _ Banking House ____________ _ 
Furniture and Fixtures ___ _ 
 
10,203 03 3,488 20 
1,622 43 2,652 80 
 
Surplus Fund -------------Undivided Profits ___ ----- _-Dividends Unpaid _. _-- __ - _-- 
Due to Banks in this State_Due to Banks in other States 
 
10,070 49 
 
Other Real Estate Owned 
 
Call Money ___ --. --------. - 
 
Due from Banks in this State 7,342 39 Individual Deposits Subject to 
 
Due from Banks in other States -------------------- 
CG uo lrdr e n_c_y_ _ _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
-~.060 49 DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 1,164 00 Time Certificates of Deposit 
160 00 Savings Deposits----------- 
 
38,258 46 32,030 33 
 
I 
 
Silver, Nickels, Pennies _____ _ Advances on Cotton _______ _ 
Advances on other Commodities _______ --------------- 
 
432 04 Trust Funds on Deposit._-Cashier's Checks ----------Certified Checks _- _--------Bills Payable __ -- __ -------- 
 
642 42 15,000 00 
 
r 
 
Checks for Clearing House __ 
 
837 99 Notes and Bills Rediscounted 
 
\ 
 
Other Checks and Cash Items 
 
223 95 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money---------Liability on Letters of Credit, 
 
Ovaenrcdersaft-s---(i-f--a-n-y-)---. -_-. -_-_-__--_ Other Assets: Overdrafts ______ . _________ _ 
 
and Acceptances _-- _-- _-Reserve for Interest and Taxes 
Other Liabilities ---------.20 75 
 
Cash Short ----------------- 
 
93 
 
Total ---------------------$111,001 70 Total ---------------------$111,001 70 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 65,386 5! Capital Stock Paia In - __ - __ .$ 15,000 00 
 
Demand Loans ------------- 
 
700 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 15,000 Oo Surplus Fund -------------United States Bonds _____ . __ 3,488 20 Undivided Profits __ .. ------ 9,507 43 
 
Other Stocks and Bonds ___ _ 
 
Dividends unpaid - _--------- 
 
Banking House------------- l,tS22 43 Due to Banks in this State_Furniture and Fixtures ____ _ 2,652 po Due to Banks in other States 
 
Other Real Estate Owned 
 
Ca II Money _____ - ___ - _-- _.- 
 
Due from Banks in this State 10,665 91 Individual Deposits Subject to 
 
Due from Banks in other States -------------------- 
CG oulrdr e_n_ c_ _y_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
623 33 DeCmhaencdk C--e-r-ti-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 
2,481 ou Time Certificates of Deposit 
160 00 Savings Deposits ----------- 
 
29,024 92 29,142 11 
 
Silver, Nickels, Pennies _____ _ 
 
778 85 Trust Funds on Deposit._-- 
 
Advances on Cotton _______ _ 
 
Cashier's Checks -- _--------- 
 
116 40 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- 
 
Certified Checks _- __ -------Bills Payable ___ - __ -- _-- __ - 20,790 00 
 
Checks' for Clearing House __ 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 
 
ters of Credit and AcceptOvaenrcdersaft-s--(-i-f-a-n-y--) --_-_-_-__-_-_-_--_ 
 
Liability on Letters of Credit, _. _______ and Acceptances ______ - __ 
34 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ____ - __ -- _- 
 
Collections _______ ------- _ 
 
20 50 
 
Total --------------------$103,580 86 Total --------------------$103,580 86 
 
 l( 
! 
200 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
DECATUR BANK AND TRUST COMPANY, DECATUR. 
At Close of Business October 11, 1920. ' 
President-W. E. McCalla. Vice-Presidents-W. H. Weeks, J. Howell Green. Cashier-A. R. Almon. 
Directors-W. E. McCalla, W. H. \'leeks, .J. Howell Green, A. R. Almon, S. R. Christie, E. E. Treadwell. 
Date of Charter-September 3, 1906. Amended-September 27, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,208,554 37 Capital Stock Paid In ____ $ 100,000 00 Demand Loans------------ 55,200 00 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ----------- 65,000 00 
 
Estate -----------------United States Bonds _______ 
 
---------67,7 46 00 
 
Undivided Profits Dividends Unpaid 
 
--------________ _ 
 
Other Stocks and Bonds._ 10,500 00 Due to Banks in this State 
 
Furniture and Fixtures ____ 
 
3,000 00 Due to Banks in other States 
 
25,300 00 204 00 
 
Other Real Estate Owned__ Due from Banks in this 
State :_________________ Due from Banks in other 
 
10,000 00 Call Money -------------- 134,500 00 Individual Deposits Subject 
32,650 11 to Check -------------- 665,964 69 Demand Certificates of Deposit 
 
States ------------------ 
 
1,131 43 Time Certificates of De- 
 
Currency ----------------Gold---------------------Silver, Nickels, Pennies____ 
 
21,907 00 posit ------------------1,037 50 Savings Deposits -------1,308 81 Trust Funds on Deposit_ __ _ 
 
Advances on other Commodi- 
 
Cashier's C!1ecks - __ - __ - __ 
 
ties ___ - _________ ________ __________ Certified Checks - __ - __ - __ 
 
Checks for Clearing House 
 
1,307 77 Bills Payable ______ - ____ _ 
 
OtherChecksandCash Items 
 
4,313 57 Notes and Bills Hedis- 
 
Customers' Liability on Letters 
 
counted _______________ _ 
 
91,611 19 351,362 74 
2,376 87 50,000 00 
 
of Credit and Acceptances_ _________ Certificates of Deposit for Overdrafts (if any)________ 1,346 fig Borrowed Money _______ _ 
 
Other Assets: Depositors' Guarantee Fund, 
 
Liability on Letters of 3,431 35 Credit, and Acceptances __ 
 
Mutual Insurance Fund____ Witham Banks, Call Mone:- Transit Account __________ 
 
120 00 Reserve for Interest and 62,fi00 00 Taxes - __ - __ -- _-- _-- _-- _ 
84 68 Other Liabilities ___ - __ -- _ 
 
Cash Short --------------- 
 
190 41 
 
Total ------------------$1,486,319 69 Total ------------------$1,486,319 69 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$960,222 94 Capital Stock Paid In _______ $100,000 00 Demand Loans ____________ 144,262 02 Amt. Reserved for Branches ______ - __ 
 
Loans Secured by Real Estate 46,750 00 Surplus Fund -------------- 65,000 00 
 
United States Bonds ------- 67,746 00 Undivided Profits ---------- 18,011 91 
 
Other Stocks and Bonds ____ 10,500 00 Dividends Unpaid _----- _- ___ 
 
88 00 
 
Banking House ------------ _________ Due to Banks in this State Furniture and Fixtures ____ 3,000 00 Call Money -------------- 24,000 00 
Other Real Estate Owned____ 10,000 oo Due from Banks in other 
 
Due from Banks in this State 57,964 42 States ------------------ 63,500 00 
 
Due from Banks in other 
 
Individual Deposits Subject to 
 
CuSrtraetnecsy -_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-_ Gold ---------------------Silver, 1'\ickels, Pennies____ Advances on Cotton ________ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
16,761 69 17,330 00 
985 oo 
1,685 00 _________ 
_________ 
 
DeCmhaencdk C--e-rt-i-f-ic-a-t-e-s---o-f--D--e-- 592,607 Ol 
 
posit --------------------- 1,781 oo 
 
Time Certificates of Deposit 72,721 63 
 
Savings Deposits __________ _ 296,353 43 
 
TCraushstierF'sunCd!s1eockns D_e_p_o_s_i_t_- ____ _- 
 
-- _--- _-2,499 fi3 
 
Checks for Clearing Bouse__ Other Checks and Cash Items Customers' Liability on Let- 
taenrcsesof _C__re_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
9,fi84 03 287 1 fi 
_________ 
 
Certified Checks -----------Bills Payable __ -- _-- _-- _-- _l'\otes and Bills Rediscounted CeBrtoifrircoawteesd MoofneDy e_p_o_s_i_t__f_o_r_ 
 
1,017 81 87,500 00 22,000 00 
-- _-- _--- 
 
Overdrafts (if any) ________ 
 
2 07 Liability on Letters of Credit, 
 
Other Assets _______________ _________ and Acceptances _________ ___ - __ -- _ 
 
Reserve for Interest and Taxes ______ - __ 
 
Other Liabilities ----------- --------- 
 
Total ------------------$1,347,080 32 Total ------------------$1,347,080 32 
 
 FIRST ANNUAL REPORT 
 
201 
 
EXAMINER'S BEPOBT. 
 
DE KALB COUNTY BANK, DECATUR. 
 
At Close of Business October 6, 1920. 
 
President-F. T. Hopkins. Vice-Presidents-Jno. F. Green, J. F. Kelley. 
 
Cashier-C. H. Blount. 
 
Directors-F. T. Hopkins, J. F. Green, J. F. Kelly, J. M. Hawkins, W. M. Andrews, 
 
M. G. :B'arrar, W. T. Green, J. H. Goss, Jr., C. F. Morris, M. H. McDonald, 
 
C. E. Patillo, I. L. Rogers. 
 
Date of Charter-August 11, 1911. 
 
Began Business-September, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________$ 198,077 76 Capital Stock Paid In------$ 25,000 00 
 
Demand Loans -----------Loans Secured by Real Estate United States Bonds _____ _ Other Stocks and Bonds ___ _ Banking House ____________ _ 
 
52,401 8,950 
8,543 
 
5o8o 
16 
 
Asumrpt.luRs esFeurnvded _f_o_r___B_r_a_n_c_h_e_s_ Undivided Profits _________ _ Dividends Unpaid _________ _ 
 
1,875 00 Due to Banks in this State __ 
 
25,000 00 5,236 93 
 
Furniture and Fixtures ___ _ Other Real Estate Owned 
 
1,480 00 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 10,321 17 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton ____ - __ _ Advances on other Commodi- 
Chteiecsks --fo--r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
3,394 43 DeCmhaencdk C-e-r-ti-f-ic-a-t-e-s-o-f--D-e-p-o--si-t 101,266, 53 
 
2,476 00 Time Certificates of Deposit 48,795 92 
 
60 00 Savings Deposits ----------- 20,931 41 
 
711 
 
69 
 
Trust Funds on Cashier's Checks 
 
Deposi L __ _ __________ _ 
 
Certified Checks ___________ _ 
 
27 04 
 
Bills Payable _____________ _ 75,000 00 
 
1,596 37 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 11,421 98 Certificates of Deposit for 
 
Customers' Liablllty on Let- 
 
Borrowed Money ___ --- ___ _ 
 
taenrcsesof _C_r_e_d__it__a_n_d___A_c_c,_e_p_t_- 
 
Liability on Letters of Credit, and Acceptances __ - _____ _ 
 
Overdraf\..s (if any) _______ _ Other Assets ______________ _ 
 
1,250 07 Reserve for Interest and Taxes Other Liabilities: 
 
CSuasnhdrLy onCgre_d__i_ts__-_-_-_-_-_-_-_-_-_-_--_ 
 
1,296 78 5 60 
 
Total -------------------$302,559 21 Total -------------------$302,559 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$187,181 05 Capital Stock Paid In-------$ 25,000 00 
 
Demand Loans ------------- 32,577 87 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ----- ___ 
 
_- ______ _ ________ _ 
 
Surplus Fund ------------Undivided Profits ---------- 
 
25,000 00 5,009 50 
 
Other Stocks and Bonds: 
 
Dividends Unpaid----------- 
 
B~~anekritnyg H--o-u-s-e---_-_-_-_-_-_-_-_-_-_-_-_ 
 
8,6.35 36 Due to Banks in this State __ 1,875 00 Due to Banks in other States 
 
Furniture and Fixtures ____ _ 1,480 00 Call Money __ --- _- __ ---- __ _ 
 
Other Real Estate Owned _- ______ _ Individual Deposits Subject to 
 
Due from Banks in this State Due from Banks in other 
 
13,617 40 DeCmhaencdk C-e-r-ti-f-ic-a-t-e-s-o-f--D-e-p-o--si-t 
 
83,044 09 
 
CuSrtraetnecsy -------_-------__-_--------_-__-_--_ 
 
1,397 49 Time Certificates of DeposiL 49,277 45 7,450 00 Savings Deposits _____ - ____ _ 19,889 68 
 
Gold ____ ---- __ - ___ -------Silver, Nickels, Pennies ____ _ Advances on Cotton ____ ---Advances on other Commodi- 
ties ____ " _________ ----- ___ 
 
25 00 568 33 _-------- 
_--- ____ _ 
 
Trust Funds on Deposi L __ _ Cashier's Checks __________ _ Certified Checks ___________ _ Bills Payable _____________ _ Notes and Bills Rediscounted 
 
398 49 48,000 00 
 
Checks for Clearing House__ ____ - ___ _ Certificates of Deposit for 
 
Other Checks and Cash Items _-------- Borrowed Money ___ ------ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit, 
 
ters of Credit and Accept- 
 
and Acceptances __ - _____ _ 
 
ances _---- ___ - __ -------- _-------- Reserve for Interest and Taxes 
 
Overdrafts (if any) ___ -- _- _ _-------- Other Liablllties ----------- 
 
Other Assets - _------------- -------- _ 
 
Total --------------------$255,619 21 Total --------------------$255,619 21 
 
 BANKING DEPART:M:ENT 
 
EXAIIIIIJII'EB'S BEPOB'l'. 
 
DEXTER BANKING COMPANY, DEXTER. 
 
At Close of Business July 20, 1920. 
 
President-F. E'. New. Vice-President-W. G. B. Hogan. Cashier-D. \V. Knight. 
 
Directo,rs-J. E. New, W. G. B. Hogan, F. M. Daniel, A. vV. Domini, T. J. Lord. 
 
Date of Charter-January 18, 1904. 
 
Began Business-1904, 
 
RESOURCES 
 
LIABILITIES 
 
TimLoeansLo_a_n_s___a_n_d____D__e_m_a_n_d_ $ 54,557 
 
56 
 
Capital Stock Paid In _______ $ 25,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
Surplus Fund -------------25,100 00 Undivided Profits ---------- 
 
5,000" 00 15,890 67 
 
Other Stocks and Bonds ___ _ 
 
Dividends Unpaid __ ..... ___ _ 
 
Banking House ------------ 2,000 00 Due to Banks in this State._ Furniture and Fixtures ____ _ 1,627 92 Due to Banks in other States 
 
Other Real Estate Owned 
 
Call Money .. _.. --.-- .. -- ... 
 
Due from Banks in this State 18,37 4 83 Individual Deposits Subject to 
 
Due from Banks in other 
States ------------------Currency ------------------GSiolvlder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--_ Advances on Cotton _______ _ Adtiveasnc_e_s__o.n..o.t_h_e_r__C__om. _m__o_di-_ 
CChasehcksItefmors C.l.e_a_r_in_g___H_o__u_s_e_.__ 
Customers' Liability on Letters of Credit and Accept- 
 
9,066 52 DeCmhaencdk C-e-r-ti-f-i-c-a-te-s-o--fD--e-p-o-s-i-t 
 
2,095 00 Time Certificates of Deposit. Savings Deposits __________ _ 
 
522 
 
22 
 
Cashier's Checks. __ .... ___ _ Certified Checks ___________ _ 
 
Bills Payable ______________ _ 
 
3,741 35 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money---------Liability on Letters of Credit 
and Acceptances ________ _ 
 
51,844 28 21,504 13 
78 53 
 
O vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_ --_-_ 
 
Reserve for Interest and Taxes 2,188 50 Other Liabilities __________ _ 
 
', 
 
COathsher SAhsosretts:_____  _________ _ 
 
65 07 
 
Total --------------------$119,317 61 Total --------------------$119,317 61 
 
\ 
 
\ 
 
I 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans .. ________  _____ $ 38,491 26 Demand Loans ------------- 19,082 45 Loans Secured by Real Estate 10,074 75 United States Bonds ------- 25,100 00 Other Stocks and Bonds ___ _ 
 
Banking House -----------Furniture and Fixtures. ___ _ Other Real Estate Owned Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-.-.-_-_-_ Advances on Cotton. __ .. __ ._ 
Advances on other Commodities .. - - - - .... - - . - - - .... 
Checks for Clearing House._ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
2,000 00 1,627 92 
555 75 
5,156 34 1,4'48 00 
434 34 19,409 35 
 
O vaenrcdersa f t s- - -( i-f- -a-n-y- )- - -.-.-. -. - -_-_-_ Other Assets . ___ ...... - ... . 
 
58 38 
 
Capital Stock Paid In_. _____ $ 25,000 00 
 
Amt. Reserved for Branches 
 
SUunrdpilvuids edFuPnrdof-it-s---_-_-_-__-_-_-_-_--_ 
 
5,000 00 13,205 64 
 
Dividends Unpaid----------- 
 
Due to Banks in this State. 
 
254 59 
 
CDaulel MtooBneaynk.s. _in _o_t_h_e_r__S_t_a_t_es_ 
 
Individual Deposits Subject to 
DeCmhaencdk Ce-r-t-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit. Savings Deposits _. _______ _ 
 
38,507 15 16,209 24 
 
Trust Funds on Deposit_. __ Cashier's Checks. __________  Certified Checks _.. _______ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money . _____ _ 
 
261 92 25,000 00 
 
Liability on Letters of Credit and Acceptances _____  __ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$123,438 54 Total --------------------$123,438 54 
 
 1 1- 
 
FIRST ANNUAL 'REPORT 
 
203 
 
EXAliii:IllrEB'S BEPOB'l'. 
BANK OF DOERUN, DOERUN. 
 
President-L. 0. Benton. Vice-Presidents-F. B. Watkins, S. W. McWhite. 
 
Cashier-W. M. Smith. 
Directors-L. 0. Benton, P. B. Watkins, s. W. McWhite, \V. M. Smith, A. H. 
Hancock, J. Idleson, .T. B. Shepard. 
 
Date of Charter-June 6, 1902. 
 
Began Business-May, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$206,977 46 Capital Stock Paid In _______ $ 40,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
15 00 _. ____ . __ 
 
ASumrtp.luRs eFseurnvded __f_o_r__B__ra. n_c__h_es_ 
 
United States Bonds .. ______ 12,500 00 Undivided Profits __________ _ 
 
5,000 00 4,218 60 
 
Other Stocks and Bonds_____ 7,500 00 Dividends Unpaid----------- 
 
Banking House ------------ 1,500 oo Due to Banks in this State __ 13,040 38 
 
Furniture and Fixtures ____ Other Real Estate Owned___ 
 
1,500 00 2,500 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
7,500 00 
 
Due from Banks in this State Due from Banks in other 
 
18,241 20 DeCmhaencdk Ce-r-t-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t 
 
54,859 49 
 
States ------------------Currency ------------------GSiollvder,--N--i-c-k-e-ls-,--P-e--n-n-i-e-s-.-. -_-._- 
 
1,595 88 Time Certificates of Deposit. 
 
6,045 00 Savings Deposits ---------- 
 
1,342 1, 710 
 
50 34 
 
Cashier's Checks ______ . _. __ Certified Checks ___________ _ 
 
65,897 23 91 50 
 
Advances on Cotton ______ . __ 6,065 62 Bills Payable -------------- 85,000 00 
 
Advances on other Commodi- 
 
Notes and Bills Rediscounted 
 
ties ____ - . - - . ___ .. - - - . . . __ - - - - - .. Certificates of Deposit for 
 
Checks for Clearing House__ 9,421 46 Borrowed Money --------- 
 
Other Checks and Cash Items 15,947 54 Liability on Letters of Credit 
 
Customers' Liability on Let- 
 
and Acceptances ___ ..... . 
 
ters of Credit and Accept- 
 
Reserve for Interest and Taxes 
 
ances __ -------- __ ------- --------- Other Liabilities ___ . ______ _ 17,241 83 
 
Overdrafts (if any) __ . _.... __ .. _. __ _ Cash Long ----------------- 
 
12 97 
 
Other Assets - .... __ .------- --------. 
 
Total --------------------$292,862 00 Total --------------------$292,862 00 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RE~SOURCES 
 
LIABILITIES 
 
'Dl'iemmeanLdoaLnsoa-n-s---_-_-_--_-_-_-_-_-_-_-$. 1_ 38__,7__3_3. __68_ Loans Secured by Real Estate ___ - _- ... 
 
Capital Stock Paid In. _____ .$ ASumrtp.luRs eFseurnvded __f_o_r__B_r_a_n_c__he__s 
 
40,000 5,000 
 
00 00 
 
United States Bonds ________ 12,500 00 Undivided Profits _. _______ _ 7,100 99 
 
Other Stocks and Bonds.____ 7,500 00 Dividends Unpaid----------- 
 
Banking House __________ .. 1,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures _. __ Other Real Estate Owned____ 
 
1,500 00 2,500 00 
 
CDaulel tMo oBnaenyks..i_n. _o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 15,810 51 Individual Deposits Subject to 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiollvder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-.-_-__--_ Advances on Cotton ________ _ 
 
1,406 84 8,716 00 1,350 00 2,772 08 2,890 84 
 
Advances on other Commodi- 
 
Ch~~~s :r~~- clea~i~g.- lioli~e= = --3)2o  87 
 
DeCmhaencdk Ce-r-t-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit. Savings Deposits __ . _. _____ _ Trust Funds on Deposit.. __ Cashier's Checks ____ - _ Certified Checks _____ . _____ _ Bills Payable ______ .. _____ _ 
Notes and Bills Rediscounted 
 
48,075 15 60,652 23 
206 65 40,00'0 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
634 20 Certificates of Deposit for Borrowed Money __ ----- __ 
 
ters of Credit and AcceptO vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -_-_ ---. -_-_-_-_ 
 
Liability on Letters of Credit and Acceptances _.. _. ___ _ 
Reserve for Interest and Taxes 
 
Other A.ssets ------------.-- 
 
Other Liabilities _. __ ..... __ 
 
Total --------------------$201,035 02 Total --------------------$201,035 02 
 
 r 
I 
 
204 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.T. 
 
FARMERS BANK, DOERUN. 
 
At Close of Business July 9, 1920. 
 
President-J. P. Myers. Vice-President-E. L. Bacon. Cashier-R. L. Free. 
 
Directors-J. P. Myers, E. L. Bacon, R. L. Free, I. J. Hancock, L. J. McPhaul, 
 
C. B. Slocum. 
 
Date of Charter-November 13, 1909. 
 
Began Business-Nevember 9, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$222,621 66 Demand Loans -------------- 1,617 00 
 
Loans Secured by Real Estate --------United States Bonds _________ ________ _ 
 
Othe.r Stocks and Bonds______ ________ _ 
Banking House -------------- 2,253 oo 
Furniture and Fixtures ______ 2, 714 07 Other Real Estate Owned ____________ _ 
 
Due from Banks in this State_ 11,252 64 Due from Banks in other States 2,104 69 
 
Currency --------------------- 3,513 00 
 
Gold --------------------------- 690 00 Silver, Nickels, Pennies________ 511 20 Advances on Cotton____________ ________ _ 
 
Advances on other Commodities Checks for Clearing House___ Othe,r Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ 
 
--------643 96 
2.991 33 
________ _ 
 
Overdrafts (if any) ----------Other Assets: 
 
899 49 
 
Transit Account -------------- 390 00 
 
Capital Stock Paid In_________$ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus FUnd ----------------- 5,000 00 
 
Undivided Profits ------------ 8,601 36 
 
Dividends Unpaid ------------ 
 
71 00 
 
Due to Banks in this State___ --------- 
 
Due to Banks in other States --------- 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 80,172 51 Demand Certificates of Deposit --------Time Certificates of Deposit__ 82,367 00 
 
Savings Deposits ------------- --------Cashie.r's Checks ------------- 947 27 
 
Certified Checks -------------- --------- 
 
Bills Payable ------------------ 50,000 00 Notes and Bills Rediscounted __________ _ 
 
Certificates of Deposit for Bor- 
 
rowed MoneY --------------- --------Liability on Letters of Credit 
 
and Acceptances ----------- --------Reserve for Interest and Taxes ________ _ 
 
Other Liabilities: 
 
Cash Long -------------------- 
 
42 90 
 
Total ------------------------$252,202 o. Total ----------------------$252,202 04 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
'LIABILITIES 
 
Time Loans ------------------$106,451 74 Demand Loans --------------- 6,227 00 Loans !Secured by Real Estate 70,012 10 
United States Bonds ---------- --------Othe.r Stocks and Bonds______ --------- 
Banking House -------------- 2,253 00 FUrniture and Fixtures ______ 2, 7T4 07 
Other Real Estate Owned ____ __ - ----Due from Banks in this State__ 26,835 77 
 
Capital Stock Paid In_________$ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- 5,000 00 Undivided Profits______________ 7,702 04 
 
Dividends Unpaid _____________ 
 
71 00 
 
Due to Banks in this State___ --------- 
 
Due to Banks in other States --------- 
 
Call Money ------------------- --------trdviflual Deposits Subject to 
 
Due from Banks in other States 
Currency --------------------Gold --------------------------Silver, Nickels, Pennies________ Advances on Cotton____________ 
 
6,569 86 
4, 783 00 680 00 554 50 
--------- 
 
Cheo)<: ---------------------- 98,184 21 Demand Certificates of Deposit --------Time Certificates of Deposit__ 74,113 98 
Savings Deposits ------------- --------Trust FUnds on Deposit______ ________ _ 
 
Advances on other Commodities Checks for Clearing House____ 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any) ____________ 
Other Assets ----------------- 
 
--------________ _ 
743 73 
________ _ ________ _ ________ _ 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable ---------------Notes and Bills Rediscounted Certificates of Deposit for Bor- 
rowed MoneY --------------Liability on Letters of Credit 
 
1, 753 54 --------10,000 00 
6,000 00 
--------- 
 
and Acceptances ----------- --------Reserve for Interest and Taxes ________ _ 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$227,824 77 Total -------~----------------$227,824 77 
 
 FIRST ANNUAL REPORT 
 
205 
 
EXAMI:REB.'S B.EPOB.T. 
 
BANK OF DONALSONVILLE, DONALSONVILLE. 
 
At Close of Business August 25, 1920. 
 
President-T. J. Shingler, Sr. Vice-President-A. R. Benton. 
 
Cashier-W. H. Vanlandingham. 
 
Directors-T. J. Shingler, A. R. Benton, J. F. Brown, Thos. Chason, G. 0. Shn- 
 
gler, W. Strickland, J. T. Roberts, T. G. Harney, W. H. Flowem, 
 
J, J. Sponer, G. W. Hagan, J. S. Shingu. 
 
Date of Charter-January 7, 1903. 
 
 Began Business- -February 2, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$548,344 64 
Demand Loans ---------------- 113,973 59 Loans Secured by Real Estate --------United States Bonds --------- 5,380 68 Other Stocks and Bonds______ 5,000 00 
 
Capital Stock Paid In_________$100,000 00 
Amount Reserved for Branches --------Surplus Fund ----------------- 50,000 00 Undivided Profits ------------- 54,633 32 Dividends Unpaid ------------ 751i 00 
 
Banking House ---------------- 5, 710 49 Due to Banks in this State___ --------Furniture and Fixtures~------ 5,105 65 Due to Banks in other States --------- 
 
Other Real Estate Owned______ --------- Call Money ------------------Due from Banks in this State__ 12,993 69 Individual Deposits Subject to 
 
Due from Banks in other States 8,504 97 Check ----------------------- 264,938 32 
 
I' 
 
Currency --------------------- 3,601 00 Demand Certificates of Deposit --------- 
 
,\ 
 
Gold --------------------------- 1,255 or. Time Certificates of Deposit__ 100,942 71 
 
Silver, Nickels, Pennies________ 8,157 88 Savings Deposits ------------- 
 
Advances on Cotton____________ ________ _ Cashier's Checks ------------- 443 92 
 
Advances on other Commodities. --------- Certified Checks -------------- --------- 
 
Checks for Clearing House___ 127 99 Bills Payable ------------------ 125,000 00 
 
Other Checks and Cash Items 3,325 22 Notes and Bills Rediscounted 30,v00 00 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed MoneY --------------- -------- 
 
Overdrafts (if any) ----------- 1,478 85 Liability on Letters of Credit 
 
Other Assets:: 
 
and Acceptances ----------- --------- 
 
In Transit -------------------- 5,569 10 Reserve for Interest and Taxes 1,750 12 
 
Other Liabilities --------------- 
 
64 56 
 
Total ----------------------...$728,528 75 Total -----------------------$728,528 75 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$530,216 90 Capital Stock Paid In_________$100,000 00 
 
Demand Loans ---------------- 25,069 46 Amount Reserved for Branches --------Loans Secured by Real Estate --------- Surplus Fund ----------------- 50,000 00 United States Bonds___________ 795 16 Undivided Profits ------------- 55,477 71 
 
Other Stocks and Bonds______ 9,500 00 Dividends Unpaid ------------ 541 00 
 
Banking House ---------------- 5, 710 49 Due to Banks in this State___ --------Furniture and Fixtures_______ 5,105 65 Due to Banks in other States --------- 
 
Othe.r Real Estate Owned ____ --------- Call Money ------------------- --------Due from Banks in this State 34.~6 29 Individual Deposits Subject to 
 
Due from banks in other States 
Currency --------------------Gold --------------------------Silver, Nickels, Pennies________ Checks for Clearing House and 
 
7,500 76 4,934 00 
1,235 or 
9,163 95 
 
Check ----------------------- 204,3311 62 Demand Certificates of Deposit --------Time Certificates of DeposiL- 71, 7:r3 09 
Savings Deposits ------------- --------Trust Funds on Deposit______ --------- 
 
other Checks and Cash Items 994 77 Adavnces on Cotton____________ 62,300 00 Advances on other Commodi- 
ties --------------------- 22,750 00 Customers' Liability on Letters 
of Credit and Acceptances.__ --------Overdrafts (if any) ------------ --------- 
 
Cashier's Checks -------------- 1,682 02 Certified Checks -------------- --------Bills Payable ----------------- 126,000 00 Notes and Bills Rediscounted __ 110,134 99 Certificates of Deposit for Bor- 
rowed MoneY --------------- --------Liability on Letters of Credit 
 
Other Assets ----------------- --------- and Acceptances ----------- --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilolties -------------- --------- 
 
Total ------------------------$719,902 43 Total ------------------------$719,902 43 
 
 206 
 
BANKING DEPAR'l'l\IENT 
 
EXAMINEB.'S REPORT. 
 
PLANTERS BANK, DONALSONVILLE. 
 
At Close of Business July 19, 1920. 
 
President-.). L Dickenson. Vice-Presidents-F. s. Spooner, Jno. J. Spooner. 
Cashier-J. L. Haralson. 
 
Directors-.J. L. Dickenson, P. S. Spooner, .Jno. I. Spooner, J. L. Haralson, J. A. Stephens, M. M. Minter, .J. E . .Johnson, I. F. Brown, \V. D. Hay. 
 
Date of Charter-June 12, 1915. 
 
Began Business-July 22, 1915. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$145,890 33 Demand Loans --------------- 3, 792 50 Loans Secured by Real Estate ________ _ 
 
United States Bonds ---------- --------Other Stocks and Bonds______ --------Banking House _______________ 3,306 70 
 
Furniture and Fixtures _______ Othe.r Real Estate Owned ___ _ Due from Banks in this State Due from banks in other States 
Currency ---------------------- 
 
1,867 93 
2,073 43 1,164 12 
2,682 ou 
 
Capital Stock Paid In _________ $ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ---------------- 5,000 00 
 
Undivided Profits ------------ 1,989 17 Dividends Unpaid ____________ 
 
Due to Banks in this State ___ _ Due to Banks in other States __ 
 
647 Ot> 
 
Call Money ------------------- 67,000 Oc. 
 
Individual Deposits Subject to 
 
Check ----------------------- 27,004 89 Demand Certificates of Deposit 
 
Gold -------------------------Silver, Nickels, Pennies______ _ 
 
582 50 Time Certificates of Deposit__ 44,125 94 801 90 Savings Deposits ____________ _ 
 
' 
\ 
 
Advances on Cotton____________ ________ _ Cashier's Checks ------------- 
 
373 90 
 
Advances on other Commodities --------- Certified Checks -------------- 
 
Checks for Clearing House__ 1,112 79 Bills Payable ----------------- 5,000 00 
 
Other Checks and Cash Items 
 
43 32 Notes and Bills Rediscounted __ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ ________ _ rowed Money --------------- 
 
Overdrafts (if any) ----------- 883 73 Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ----------- 
 
Depositors' Insurance --------Mutual Fire Insurance _______ 
 
2,942 00 120 00 
 
Reserve for Interest and Taxes Other Liabilities: 
 
Deposits 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
--------- 
 
1,021 
-- 
 
69 
- 
 
Total ------------------------$167,163 2f Total ------------------------$167,163 25 
 
BANK'S STA'l'EMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$111,341 00 Capital Stock Paid In _________$ 15,000 00 
 
Demand Loans --------------- 4,257 00 Amount Reserved for Branches 
 
Loans Secured by Real Estate 19,275 23 Surplus Fund ---------------- 5,000 00 
 
United States Bonds ---------- ________ _ Undivided Profits ------------Othe.r Stocks and Bonds______ ________ _ Dividends Unpaid -----------Banking House _______________ 3,306 70 Due to Banks in this State ___ _ 
 
Furniture and Fixtures _______ 1,867 93 Due to Banks in other States Other Real Estate Owned ____ ________ _ Call Money ------------------Due from Banks in this State 5,699 90 Individual Deposits Subject to 
 
Due from Banks in other States 1,196 95 Check ----------------------- 86,405 04 Currency ---------------------- 3,325 0~ Demand Certificates of Deposit 
 
Gold --------------------------- 420 00 Time Certificates of DeposiL_ 34,270 25 
 
Silver, Nickels, Pennies________ 
 
323 00 Savings Deposits ------------- 
 
Advances on Cotton ---------- 
 
563 88 Trust Funds on DeposiL____ _ 1. 727 50 
 
Advances on other Commodities _________ Cashier's Checks ------------Checks for Clearing House____ ________ _ Ce.rtified Checks --------------Other Checks and Cash Items ________ _ Bills Payable ----------------- 15,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted __ 
 
of Credit and Acceptances__ ________ _ Certificates of Deposit for BorOverdrafts (if any) ____________ ________ _ rowed Money --------------~ 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Depositors' Insurance -------- 2,942 00 and Acceptances ----------- 
 
Mutual Fire Insurance ------- 120 00 Reserve for Interest and Taxes 
 
Profit and Loss -------------- 2, 764 20 Other Liabilities -------------- 
 
T'otal ------------------------$157,402 79 Total ------------------------$157,402 79 
 
 FIRST ANNUAL REPORT 
 
207 
 
EXAMINEB.'S B.EPOB.T. 
 
CITIZENS BANK, DOUGLAS. 
 
At Close of Business July 20, 1920. 
 
President-H. Kirkland. Vice-President-W. C. Patterson. Cashier-\\'. C. \Vooten. 
 
Directors-H. Kirkland, \Y. C. Patterson, M. D. Dickerson, C. R. Tonner, E. L. 
 
Grantham, H. E. Vickers, Warren Tonner, J. B. Dorminey, B. H. 
 
Tonner, E. L. Tonner, \Y. F. Gibbett. 
 
Date of Charter-December 26, 1901. 
 
Began Business-January 4, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$348,230 77 Demand Loans _______________ 2,146 73 
 
Loans Secured by Real Estate United States Bonds___________ Other Stocks and Bonds ______ 
Banking House --------------Furniture and Fixtures ______ 
 
--------9,423 81 5,800 00 
35,000 or 
3,565 73 
 
Other Real Estate Owned_____ 5,358 00 
Due from Banks in this State 19,872 31 Due from Banks in other States 11,624 43 
Currency ---------------------- 11,130 or 
Gold --------------------------- 797 50 Si1ver, Nickels, Pennies_______ 4.033 02 Advances on Tobacco_________ 1,099 84 Advances on other Commodities ________ _ 
 
Checks. for Clearing House____ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any) ____________ 
 
2,541 91 4,487 49 
________ _ ________ _ 
 
Other Assets: 
 
Cash Short -------------------- 608 40 
 
Capital Stock Paid In_________ $ 50,000 00 Amount Reserved for Branches ________ _ 
Surplus Fund ----------------- 3,00.0 00 Undivided Profits ------------- 2,848 05 Dividends Unpaid ____________ ________ _ 
Due to Banks in this State___ --------Due to Banks in other States ________ _ Call Money __________./________ ________ _ 
Individual Deposits Subject to Check ----------------------- 133,147 54 
Demand Certificates of Deposit 25,000 00 Time Certificates of Deposit__ 113,471 37 Savings Deposits _____________ _ 21,801 19 Cashier's Checks _____________ _ 2,451 79 Ce-rtified Checks --------------- ________ _ Bills Payable ------------------ 90,000 00 Notes and Bills Rediscounted 24,000 00 Certificates of Deposit for Bor- 
rowed MoneY --------------- ________ _ Liability on Letters of Credit 
and Acceptances ___________ ________ _ 
Reserve for Interest and Taxes ________ _ Other Liabilities -------------- ________ _ 
 
Total ______ ---.---------------$465,719 94 Total ------------------------$465,719 114 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LlABILITIES 
 
Time Loans ------------------$289,372 46 
 
Demand Loans --------------- 
 
50 00 
 
Loans Secured by Real Estate --------- 
 
United States Bonds___________ 846 00 
 
Other Stocks and Bonds ______ 5,800 00 
 
Banking House --------------- --------Furniture and Fixtures________ 3,565 73 Other Real Estate Owned_____ 46,162 13 
 
Due from Banks in this State 5,281 82 Due from Banks in other States 320 51 
 
CurretljCy --------------------Gold -------------------------Silver, Nickels, Pennies________ Advances on Cotton___________ 
 
4,464 00 7o0 00 
4,84"8 02 207 17 
 
Advances on other commodities: Tobacco ----------------------- 53.125 98 Checks for Clearing House __ _ 2,872 27 
 
Other Checks and Cash Items 360 45 Customers' Liability on Letters 
of Credit and Acceptances__ ________ _ Overdrafts (if any) ____________ ________ _ 
 
Other Assets: Profit and Loss -------------- 
 
545 95 
 
Capital Stock Paid In_________ $ 50,000 00 Amount Reserved for Branches Surplus Fund ----------------- 3,000 00 Undivided Profits ------------Dividends Unpaid ___________ _ 
Due to Banks in this State __ _ Due to Banks in other States 
Call Money ------------------Individual Deposits Subject to 
Check ----------------------- 96.856 57 Demand Certificates of Deposit 25,000 00 Time Certificates of DeposiL_ 108.452 23 Savings Deposits -------------- 23,626 01 Trust Funds on Deposit_ ____ _ 
Cashier's Checks ------------- 5,059 97 Ce-rtified Checks ____________ _ 3,577 71 Bills Payable ------------------ 92,500 00 Notes and Bills Rediscounted __ 10.500 00 Certificates of Deposit for Bor- 
rowed Money --------~~---- Liability on IJetters of Credit 
and Acceptances __________ _ 
Reserve for Interest and Taxes Other LiabiJ.ities -------------- 
 
Total ________________________ $418.572 49 Total ------------------------$418,572 4~ 
 
 208 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
UNION BANKING COMPANY, DOUGLAS. 
 
At Close of Business September 1, 1920. 
 
President-T. S. Price. Vice-Presidents-M. Griffin, J. ,V, Quincey. 
 
Cashier-J. L. Shelton. 
 
Directors-T. S. Price, M. Griffin, J. W. Quincey, J. L. Shelton, Mrs. J. M. AshleY, 
 
D. Gaskin, J. S. Lott, J. C. Brewer, J. L. Sapp, C. E. Baker., 
 
E. Lott, J. J. Darminey, J. L. Young, J. Newbern. 
 
Date of Charter--December 27, 1898. 
 
Began Business-February, 1899. 
 
RE:SOURCES 
 
LIABILITIES 
 
Time Loans __________________ $319,842 97 Capital Stock Paid In__________$ 85,000 00 
 
Demand Loans ---------------- 153,317 54 Amount Reserved for Branches --------Loans Secured by Real Estate --------- Surplus Fund ----------------- 50,0110 00 United States Bonds___________ 51,300 00 Undivided Profits ------------ 10,622 47 
 
Other Stocks and Bonds______ 9,535 46 Dividends Unpaid ------------- 
 
36 00 
 
Banking House -------------- 45,000 00 Due to Banks in this State____ 2,063 83 
 
Furniture and Fixtures________ 11,379 38 Due to Banks in other States --------- 
 
Other Real Estate Owned_____ 20,606 91 Call Money ------------------- --------Due from Banks in this State 55,050 74 Individual Deposits Subject to 
 
Due from Banks in other States Currency ---------------------Gold --------------------------Silver, Nickels, Pennies________ 
 
4,825 33 Check ----------------------- 334,847 19 
 
9,835 00 Demand Certificates of Deposit 25,000 00 
 
110 00 3,145 94 
 
Time Certificates of DeposiL_ Savings Deposits _____________ 
 
96,010 70 32,521 66 
 
Advances on Cotton ---------- ________ _ Cashier's, Checks ___ ----------- 2,922 71 Advances on other Commodities ________ _ Certified Checks --------------- 170 38 Checks for Clearing House___ 3,805 90 Bills Payable _________________ 25,000 00 
 
Other Checks and Cash Items 885 41 Notes and Bills Rediscounted__ ________ _ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ ________ _ ,rowed Money ---------------- 25,000 00 
 
Overdrafts (if any) ----------Other Assets ------------------ 
 
65 22 Liability on Letters of Credit 846 00 and Acceptances ----------- ________ _ 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 3"5tl 86 
 
sr Total --------------------~---$689,551 
 
Total ------------------------$689,551 80 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __________________ $313.150 72 
 
Demand Loans Loans Secured 
 
---------------by Real Estate 
 
115,424 67,349 
 
:6m9 
 
United States Bonds___________ 53,028 85 
 
Other Stocks and Bonds______ 14.785 4li 
 
Banking House --------------Furniture and Fixtures________ Other Real Estate Owned______ 
Due from Banks in this State__ Due from Banks in other States 
 
49,075 25 15.834 82 20.922 45 
32.286 60 14,663 80 
 
Currency ---------------------Gold --------------------------Silver, Nickels. Pennies________ Advance's on Cotton___________ 
Checks for Clearing House___ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any) ____________ 
 
8,103 00 260 00 
3.244 25 12.437 33 
5,232 16 2.258 36 
________ _ ________ _ 
 
Other Ass,ets: Treas. Cert. ----------------- .. - 
 
846 on 
 
Capital Stock Paid In _________ ~$ 85,000 00 
 
Amount Reserved for Branche's --------Broxton Bag Co._______________ 15.000 00 
 
Surplus Fund ----------------Undivided Profits -----------Dividends Unpaid ------------ 
Due to Banks in this State____ Due to Banks in other :States 
 
50,000 00 8,845 20 
________ _ 475 02 
________ _ 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 275,126 55 Demand Certificates of Deposit 26.439 42 
 
Time Certificates of Deposit__ 104 617 OR 
 
Savings Deposits ------------- 34,158 36 
 
T'rust Funds on Deposit______ --------- 
 
Cashier's Checks ------------- 4,201 44 
 
Certified Checks --------------- 
 
40 00 
 
Bills Payable ----------------- 125,000 00 
 
Notes and Bills Re-discounted --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money --------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve fo,r Interest and Taxes --------- 
 
Total ------------------------$728.903 07 Total ------------------------$728,903 07 
 
 FIRST ANNUAL REPORT 
 
209 
 
EXAMilii'EB'S BEPOBT, 
 
DOUGLASVILLE BANKING COMPANY, DOUGLASVILLE. 
 
At Close of Business October 28, 1920. 
 
President-J, '1'. Duncan. Vice-President-A. W. McLarty. CashiN-G. T. McLarty. 
 
Directors--J. T. Duncan, A. W. McLarty, M. E'. Geer, J. M. Hatchett, N. B. Duncan, P. B. Sellman, E. M. Huffine, W. I. Dorris, J. T. Lee, P. H. Winn. 
 
Date of Charter-December, 1889. 
 
Began Business-April 7, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$551,403 83 Demand Loans ---------------- 26,240 05 Loans Secured by Real E~tate 30,(/95 03 United States Bonds _________ 12,206 56 Other Stocks and Bonds______ ________ _ 
Banking House --------------- 4, 700 00 Furniture and Fixtures _______ 2,95U 00 Other Real Estate Owned ____ --------Due from Banks in this State 14,101 72 Due from Banks in other States 1, 750 27 Currency ---------------------- 3,167 00 
Gold --------------------------- 142 50 Silver, Nickels, Pennies________ 1,226 40 Advances on Cotton___________ 21,309 55 
Advances on other Commodities --------Checks foc Clearing House____ 1,135 00 Other Checks and Cash Items 8,979 38 Customers' Liability on Letters 
of Credit and Acceptances__ ________ _ Ove.rdrafts (if any) __________ 2,685 41 
Other Assets ------------------ 7,405 82 
 
Capital Stock Paid In_________ $ 5'0,000 00 
Amount Reserved for Branches --------Surplus Fund ----------------- 43,000 00 Undivided Profits _____________ 18,414 63 Dividends Unpaid ____________ 132 00 Due to Banks in this State___ ________ _ Due to Banks in other States ________ _ 
Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 218,645 95 Demand Certificates of Deposit --------Time Certificates of Deposit__ 174,507 5R Savings Deposits ______________ 13,583 28 '!'rust Funds on Deposit______ ________ _ Cashier's Checks _____________ 1,215 08 
Certified Checks --------------Bills Payable ------------------ 170,000 00 Notes and Bills Re-discounted_ ________ _ Certificates of Deposit for Bor- 
rowed Money --------------- ________ _ Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes ________ _ 
Other Liabilities -------------- --------- 
 
Total ------------------------$689,498 52 Total ------------------------$689,498 52 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$570,447 02 Demand Loans ---------------- 21,500 00 Loans Secured by Real Estate --------United States Bonds __________ 2,351 2F 
Other Stocks and Bonds______ --------Banking Houses --------------- 8,700 00 Furniture and Fixtures_______ 4, 450 00 Other Real Estate Owned ____________ _ 
Due from Banks in this State 14.532 87 
 
Capital Stock Paid In _________ $ 50.000 oo 
 
Amount Reserved for Branches 15,000 00 
 
Surplus Fund ----------------- 43,000 00 
 
Undivided Profits ------------- 15,427 n 
 
Dividends Unpaid ____________ 
 
84 00 
 
Due to Banks in this State___ --------- 
 
Due to Banks in other States --------- 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Due from Banks in other States 
Cu11rency ---------------------GSiollvder,---N-i-c-k-e-l-s-.--P--e-n-n-i-e-s_--_-_-_-_-_-_Advances on Cotton___________ 
 
4. 794 45 
10,120 00 
192 sr 
3.228 42 21,939 5P 
 
Check ----------------------- 252,683 90 Demand Certificates of Deposit --------Time Certificates of Deposit__ 156,201 2~ .Savings Deposits ------------- --------Trust Funds on Deposit_______________ 
 
Advances on other Commodities 971 18 Cashier's Checks ------------- --------Checks for Clearing House___ 6.100 00 Certified Checks --------------- ________ _ 
 
Other Checks and Cash Items 5,120 73 Bills Payable ----------------- 148,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Re-discounted _________ _ 
 
of Credit and Acceptances__ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ 2,254 22 rowed Money --------------- --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Building Account -------------- 3,694 80 and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities ______________ --------- 
 
Total ------------------------$680,397 OF Total ------------------------$680,397 06 
 
 210 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
FARMERS & MERCHANTS BANK OF DOUGLASVILLE, DOUGLASVILLE. 
 
At Close of Business October 25, 1920. 
 
!'resident-E. R. Stewart. Vice-Presidents-R. M. Johnston, V. R. Smith. 
 
Cashier-N. R. Henderson. 
 
Directors-B. R. Stewart, R. M. Johnston, V. R. Smith, .J as. S. Abercrombie, J. R. 
 
Giles, Nesbit Harper, Thad McKay, F. M. Stewart, H. M. Upshaw. 
 
Date of Cha-rter-April 4, 1907. 
 
Began Business-May 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$258,995 96 Demand Loans --------------- 49,413 40 Loans Secured by Real H:state 4,478 50 United 1States Bonds__________ 2,162 28 
Other Stocks and Bonds_______ 3,000 00 Banking House _______________ 4,860 12 
 
Furniture and Fixtures_______ 4,098 92 Other Real Estate Owned_____ ________ _ 
 
Due from Banks in this State  10,293 75 Due from Banl<s in other States 2,173 92 Currency _____________________ 2,454 00 
 
Gold --------------------------- 
 
45 00 
 
Silver, Nickels, Pennies________ 2,035 84 
 
Advances on Cotton___________ 7,341 80 
 
Advances on other Commodities ________ _ 
 
Checks for Clearing House___ 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any) ___________ 
 
353 78 3,839 97 
________ _ 1,873 07 
 
Other Assets ------------------ 3,513 00 
 
Capital Stock Paid In_________$ 25,000 00 
Amount Resarved for Branches Surplus Fund ----------------- 5,000 00 Undivided Profits ____________ _ 14,226 54 
Dividends Unpaid -----------Due to Banks in this State__ _ Due to Banks in other States Call Money _________________ _ 77,500 00 Individual Deposits Subject to 
Check ______________________ _ 84,935 90 Demand Certificates of De-posit Time Certificates of Deposit_ __ 113,875 08 Savings Deposits _____________ 
Trust Funds on Deposit_ ____ _ Cashier's Checks ____________ _ 395 79 Ce-rtified Checks ______________ _ Bills Payable ________________ _ 40,000 00 Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money --------------Liability on Letters of Credit 
and Acceptances ____________ 
Reserve for Interest and Taxes Other Liabilities ----------~--- 
 
Total ------------------------$360,933 31 Total ------------------------$360,933 31 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RE'SO'URCES 
 
LIABILITIES 
 
Time Loans ------------------$253,161 04 
 
Demand Loans --------------- 38,866 56 Loans Secured by Real Estate 5,247 85 United States Bonds- _________ 162 28 
 
Other Stocks and Bonds_______ 3.000 00 
 
Banking House --------------- 4,860 12 Furniture and Fixtures._______ 4,098 92 Other Real Estate Owned______________ 
 
Due from Banks in this State 10 2S4 33 
 
Due from Banks in other States 1,452 55 
 
Currency ____ c ________________ _ 
 
5,696 00 
 
Gold --------------------------- 
 
25 00 
 
Silver, Nickels. Pennies _______ _ 1.272 6? 
 
Advances on Cotton __________ _ 6,946 F 
 
Checks for Clearing House____ ________ _ 
 
Other Checks and Cash Items 1,609 78 
 
Customers' Liability on Letters of Cr<edit and Acceptances__ ________ _ 
 
Overdrafts (if any) ___________ 2,451 14 
 
Other Assets: 
 
Depositors' Guarantee Fund __ Mutual Fire Fund _____________ _ County \Varrants ____________ _ Profit and Loss- ______________ _ 
 
3,393 00 
120.00 6,494 44 
296 00 
 
Capital Stock Paid In_________$ 25,000 00 Amount Reserved for Branches ________ _ Surplus Fund _________________ 5,000 Oll Undivided Profits _____________ 13,952 59 Dividends Unpaid _____________ ________ _ Due to Banks in this State____ ________ _ Due to Banks in other States ________ _ Call Money ____________________ 77,500 00 
Individual Deposits Subject to Check ----------------------- 80,869 27 
Demand Certificates of Deposit --------Time Certificates of Deposit___ 92,492 45 Savings Depos-its _____________________ _ Trust Funds on Deposit_______ ________ _ Cashier's Checks ______________. 346 20 
Ce-rtified Checks --------------Bills Payable _________________ 49,000 00 Xotes and Bills Rediscounted __________ _ Certificates of Deposit for Bor- 
rowed Money _______________ ________ _ 
Liability on Letters of Credit and Acceptances ____________ ________ _ 
RPserve fo-r Interest and Taxes ________ _ 
Other Liabilities -------------- --------- 
 
Total ------------------------$344,160 51 Total ________________________$34-1,160 51 
 
 FIRST ANNUAL REPORT 
 
211 
 
EXAMINER'S REPORT. 
 
BANK OF DOVER, DOVER. 
 
At Close of Business .July 30, 1920. 
 
President-\V. A. \Vilson. Vice-P,resident-\V. M. Howard. Cashier-L. F. Harris. 
 
Directors-W. A. Wilson, IV. M. Howard, \\'. Lane, E. L. Oliver, .T. T. Lane. W. H. Cooper, I. L. Dougherty. B. Burns, I. C. Burke, R. H. Freeman. 
 
Date of Charter-July 5, 1912. 
 
Began Business-August 8, 1912. 
 
LIABILITIES 
 
Time Loans -------------------$ 60,022 74 Demand Loans _______________ _ 3,135 2G Loans Secured by Real Estate United States Bonds ________ _ 
 
Other Stocks and Bonds _____ _ Banking House ______________ _ Furniture and Fixtures ______ _ Other Real Estate Owned ____ _ 
 
300 00 2,507 2~ 1,179 71 
 
Due from Banks in this State fl,071 45 Due from Banks in other States 2,903 40 Currency _____________________ _ 1,329 00 
 
Gold --------------------------Silver, Nickels, Pennies ______ _ Advances on Cotton _________ _ 
 
326 41 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items Customers' Liability on L,etters 
of Credit and Acceptances__ Overdrafts (if any) _______ _:___ _ 
 
1,829 27 
 
Other Assets: 
 
Cash iShort ------------------- 
 
30 39 
 
Capital Stock Paid Jn __________ $ 15,000 00 Amount Reserved for Branches ________ _ 
 
Surplus Fund ----------------- 1,000 00 Undivided Profits _____________ 2,597 18 
 
Dividends Unpaid ------------- ________ _ Due to Banks in this State____ ________ _ 
Due to Banks in other States ________ _ Call" Money ___________________ --------- 
 
Individual Deposits Subject to 
 
Check ----------------------- 26.861 C: 
 
Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit___ 12,170 52 
 
Savings Deposits _____________________ _ 
 
Cashier's Checks ______________ 
 
5 52 
 
Certified Checks _______________ ________ _ 
 
Bills Payable __________________ 25,000 00 
 
Notes and Bills Rediscounted __________ _ 
 
Certificates of Deposit for Borrowed Money _______________ ________ _ 
 
Liability on Letters of Credit and Acceptances ____________ ________ _ 
 
Reserve for Interest and Taxes ________ _ Other. Liabilities ______________ ________ _ 
 
Total ------------------------$ 82,634 85 Total ------------------------$ 82,634 8S 
 
BANK'S STATEMgNT at Close of Business December 15, 19.~0. 
 
RE:SODRCES 
 
L,JABILITIES 
 
Time Loans -------------------$ 50,615 44 Demand Loans ________________ 3,625 00 Loans Secured by Real Estate 3,964 03 United States Bonds --------Other Stocks and Bonds _____ _ 300 00 
 
Capital Stock Paid In__________ $ 15,000 00 Amount Reserved for Branches Surplus Fund _______________ _ 2,000 00 Undivided Prnfits ____________ _ Dividends Unpaid ___________ _ 136 00 
 
Banking Rouse --------------- 2,507 23 Due to Banks in this State ___ _ 
 
Furniture and Fixtures ______ _ 1,179 71 Due to Banks in other States 
 
Other Real Estate Owned ____ _ 
 
Call Money -------------------- 
 
Due from Banks in this State 5,194 28 Individual Deposits Subject to 
 
Due from Banks in othe,r States 1,329 27 Check ----------------------- 10,869 82 
 
Currency ---------------------- 
Gold --------------------------Silver, Nickels, Pennies_______ _ Advances on Cotton __________ 
 
3,032 00 Demand Certificates of Deposit 37 50 Time Certificates of Deposit__ 24,472 64 
549 75 Savings Deposits _____________ Trust Funds on Deposit_ _____ _ 
 
Aavances on other Commodities Checks for Clearing House ___ _ 
Other Checks and Cash Items 
 
Cashier's Checks _____________ 176 62 Ce,rtified Checks ______________ _ 1, 798 00 Bills Payable ________________ _ 21,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted 4,449 37 
 
of Credit and Acceptances __ Overdrafts (if any) ----------- 
 
Certificates of Deposit for Bor1,603 28 rowed Money ______________ _ 
 
Other Assets: Profit and Loss --------------- 
 
Liability on Letters of Credit 2,384 81' and Acceptances ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ______________  
 
15 90 
 
Total ------------------------$ 78,120 35 Total ------------------------$ 78,120 3;) 
 
 212 
 
BANKING DEPARTMENT 
 
EXAMUII'EB'S BEPOBT. 
 
CITIZENS BANK, DUBLIN. 
 
At Close of Business August 9, 1920. 
 
President-F. H. Rowe. Vice-Presidents-T. H. Black, M. H. Blackshear. Cashier-A. R. Arnau. 
Directors--F. H. Rowe, T. H. Black, M. H. Blackshea-r, A. R. Arnau, Jas. B. Jones, D. W. Burch, S. T. Hall, C. W. Hilbun, E. Ross Jordan, T. R. Ramsay, H. H. Ervin, Jr., Miss Marian Arnau. 
 
Date of Charter-December 4, 1916. 
 
Began Busin<>ss---December 15, 1916 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$356,367 12 Demand Loans --------------- 11,102 18 Loans Secured by Real Estate --------- 
 
United States Bonds --------- 31,900 00 Other Stocks and Bonds_______ 7,300 00 
 
Banking House --------------- 15,00U 00 Furniture and Fixtures________ 3,578 67 
 
Other Real Estate Owned_____ 7,500 00 
 
Due from Banks in this State 4,275 37 Due from Banks in other States 8,868 50 
 
Currency ---------------------- 2,530 00 
 
Gold --------------------------- 115 00 Silver, Nickels, Pennies________ 609 49 Advances on Cotton____________ . --------- 
 
Advances on other Commodities --------Checks for Clearing House____ 287 89 
 
Other Checks and Cash Items 1,273 40 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ----------- 7,543" 48 Other Assets: 
 
County Warrants ------------- 23,720 46 
 
Cash Short ------------------~ 
 
8 42 
 
War Savings ,stamps __________ 1,071 80 
 
Capital Stock Paid In__________$ 50,000 06 
Amount Reserved for Branches --------Surplus Fund ----------------- 10,000 00 Undivided Profits ------------- 10,507 21 Dividends Unpaid ------------- 190 00 Due to Banks in this State____ --------Due to Banks in other States --------- 
Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 166,992 13 Demand Certificates of Deposit --------Time Certificates of Deposit__ 113,226 12 
.Savings Depos.its ------------- --------Cashier's Checks -------------- 2,118 ~~ Ce.rtified Checks --------------- --------Bills Payable ----------------- 122,50"0 00 Notes and Bills Rediscounted 7,517 50 Certificates of Deposit for Bor- 
rowed Money --------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
',fotal ------------------------$483,051 7, Total ------------------------$483,051 78 
 
BANK'S STATEMENT at Close of Business. December 15, '920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$290,289 66 
 
Demand Loans ---------------- 5,427 90 Loans Secured by Real Estate 49,124 70 
 
United States &>nds ---------- 12,984 84 Other Stocks and Bonds_______ 7,300 00 
 
Banking House --------------- 15,000 00 Furniture and Fixtures________ 3,578 67 
 
Other Real Estate Owned_____ 7,500 00 
 
Due from Banks in this State 
 
64 40 
 
Due from Banks in other States 14,283 89 
 
Currency ---------------------- 5,489 00 
 
Gold --------------------------- 
 
50 00 
 
Silver, Nickels, Pennies________ 3,261 80 
 
Advances on Cotton ---------- _________ 
 
Advances on other Commodities --------Che{)ks for Clearing Hous.e_____ 1,072 52 
 
Other Checks and Cash Items 325 88 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ------------ 2,734 23 
 
Other Assets ------------------ 35,910 77 
 
Capital Stock Paid In__________$ 50,000 00 
Amount Reserved for Branches --------Surplus Fund ----------------- 10,000 00 Undivided Profits ------------- 6,992 13 Dividends Unpaid ------------- ' 60 00 Due to Banks in this State___ _ 3,388 74 Due to Banks in other States__ --------Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 150,008 22 Demand Certificates of De.posit --------Time Certificates of Deposit___ 101,323 05 Savings Deposits -------------- 4,419 28 Trust Funds on Deposit_______ --------Cashier's Checks -------------- 3,206 84 Ce.rtified Checks --------------- --------Bills Payable ------------------ 115,000 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
rowed Money --------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities --------------- 10,000 00 
 
Total ------------------------$454,398 26 Total ------------------------$454,398 26 
 
 FIRST ANNUAL REPORT 
 
213 
 
EXAMINER'S BEPOB'l'. 
 
DUBLIN & LAURENS BANK, DUBLIN. 
 
At Close of Business October 16, 1920. 
 
President-C. W. Brantley. Vice-Presidents-W. \V. Robinson, H. A. Knight. 
 
Cashier-S. J. Loird. 
 
Directors-C. \V. Brantley, W. W. Robinson, H. A. Knight, S. J. Lord, Jno. J. 
 
Barton, A. T. Cobb, C. W. Brantley, Jr., A. W. Baum, E. A. Lovett, 
 
J. F. Grinstead, H. H. Smith, T. W. Sanders, B. B. Fordham. 
 
Date of Charter-August, 1910. 
 
Began Business-August, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$886,848 11 
 
Demand Loans ---------------- 292,793 97 Loans Secured by Real Estate ________ _ 
 
United States Bonds ---------- 95,250 00 Other Stocks and Bonds_______ 3,200 00 
 
Banking House ---------------- 50,000 00 Furniture and Fixtures________ 3,155 OC 
 
Other Real Estate Owned______ 11,546 20 
 
Due from Banks in this State 26,939 72 
 
Due from Banks in other States 8,237 20 
 
Currency ---------------------- 3,936 00 
 
Gold --------------------------Silver, Nickels, Pennies _______ 
 
495 00 7S8 97 
 
Advances on Cotton___________ 5,487 90 
 
Advances on other Commodities --------Checks for Clearing House____ ________ _ 
 
Other Cheeks and Cash Items --------- 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ------------ 18,638 04 Other Assets: 
 
Cash Short -------------------- 179 56 
 
Collection Account ----------- 4,076 60 
 
Ca.pital Stock Paid In ________$100,000 00  
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 100,000 00 
 
Undivided Profits ------------- 126,515 47 
 
Dividends Unpaid ------------- 
 
24 00 
 
Due to Banks in this State___ 6,657 57 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 368,094 24 
 
Demand Certifi,cates of Deposit --------Time Certificates of Deposit_ __ 286,386 75 
 
Savings Deposits ______________ 17,502 23 
 
Trust Funds on Deposit_______ --------- 
 
Cashier's Checks -------------- 10,631 3h 
 
Certified Checks -------------- 398 63 
 
Bills Payable ------------------ 382,000 00 Notes and Bills Rediscounted ___ l19,897 05 
 
Certificates of Deposit for Borcrowed Money ________________ --------- 
 
Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ----------------------$1,418,107 32 Total ----------------------$1,418,107 32 
 
BANK'S STA'l'E~ENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$1,147,633 06 
 
Demand Loans -------------- __________ 
 
Loans Secured by Real Estate ---------United States Bonds_________ 95,900 00 
 
Other Stocks and Bonds_____ 2,200 00 
 
Banking House -------------- 50,000 00 
 
Furniture and Fixtures______ 3,155 00 
 
Other Real Estate Owned____ 11,546 20 Due from Banks in this State 52,881 03 
 
Due from Banks in other 
 
States --------------------- 3,329 58 
 
Currency --------------------- 7,920 00 
 
Gold -------------------------Silver, Nickels, Pennies______ 
 
465 00 901 03 
 
Advances on Cotton --------- __________ 
 
Advances on other Commodi- 
 
ties -----------------------Checks for Clearing House__ 
 
4,352 93 815 88 
 
Other Checks and Cash 
 
Items ---------------------- 12,283 77 Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances ---------------------- ---------Overdrafts (if any) __________ 17,222 62 
 
Ca.pital Stock Paid In ________ $100,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 100,000 00 Undivided Profits _____________ 22,45'1 32 
 
Dividends Unpaid ------------ 
 
12 00 
 
Due to Banks in this State____ 54,516 59 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 303,023 28 Coupon Certificates of Deposit 7,5IU 00 
 
Time Certificates of Deposit__ 258,174 73 
 
Savings iDeposits ------------- 17,412 65 Trust Funds on Deposit_______ --------- 
 
Cashier's Checks ------------- 19,857 24 
 
Certified Checks -------------- 326 56 
 
Bills Payable ------------------ 342,000 00 Notes and Bills Rediscounted~- 136,246 68 
 
Certificates of Deposit for Bor- 
 
mwed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------Other Liabilities -------------- 49,075 05 
 
Total ----------------------$1,410,606 10 Total ----------------------$1,410,606 10 
 
 ~ 
I 
 
214 
 
BANKING DEPAHTMENT 
 
EXAMINER'S REPORT. 
 
SOUTHERN EXCHANGE BANK, DUBLIN. 
 
At Close of Business August 17, 1920. 
 
President-!<'. B. Reins. Vice-Presidents-M. E. Burts, J. H. vVitherington. 
 
Cashier-G. L. David. 
 
Directors-F. B. Reins, M. E. Butts, J. H. Witherington, Geo. L. David, T. A. 
 
Curry, T. \Y. Evans, M. H. Blackshear, W. M. Herndon, A. L. 
 
Keen, Frank Lawson, Wm. C. Thompson. 
 
Date of Charter-November 11, 1914. 
 
Began Business-November 11, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$274,628 37 Demand Loans ________________ 6,544 53 
 
Loans Secured by Rea!. Estate ________ _ 
 
United States Bonds _________ ________ _ 
 
Other Stocks and Bonds______ ________ _ 
 
Banking House ________________ 1,016 00 
 
Furniture and Fixtures________ 9,896 43 
 
Other Real Estate Owned______ 139 15 
 
Due from Banks in this State 18,658 31 
 
Due from Banks in othe.r States 7,730 92 
 
Currency ---------------------- 5,119 00 
 
Gold --------------------------- 557 50 Silver, Nickels, Pennies________ 1.614 01 Advances on Cotton __________ ________ _ 
 
Advances on other Commodities ________ _ 
 
Checks for Clearing House____ 1,371 18 
 
Other 8hecks and Cash Items 3,836 87 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ _ 
 
Overdrafts (if any) ----------- 
 
1 10 
 
Other Assets ----------------- 33,535 99 
 
Capital Stock Paid In__________ $ 50,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 1,(}00 00 Undivided Profits ------------- 4, 778 90 Dividends Unpaid _____________ 204 00 
 
Due to Banks in this State___ 3,922 41 
 
Due to Banks in other States --------Call Money -------------------- ________ _ 
 
Individual Deposits Subject to Check ________________________148,164 
 
sn 
 
Demand Certificates of D&posit --------Time Certificates of DeposiL_ 76,288 78 
 
Savings Deposits -------------- 
Cashier's Checks -------------- 
Certified Checks --------------- 
Bills Payable -----------------Notes and Bills Rediscounted Certificates of Deposit for Bor- 
rowed Money ---------------- 
 
4,143 23 517 57 200 00 
70,000 00 5,0:f6 67 
________ _ 
 
Liability on Letters of Credit and Acceptances ------------ ________ _ 
Reserve for Interest and Taxes ________ _ 
 
Other Liabilities --------------- 403 00 
 
Total ------------------------$364,649 36 Total ------------------------$364,649 36 
 
BANK'S STATEMENT at Close of Business D<>cember 15, 1920. 
 
I RESOURCES 
------------~------$232,975 Time Loans 
 
LIABILITIES 56 Capital Stock Paid In__________ $ 50,000 00 
 
Demand Loans ---------------Loans Secured by Real Estate United States Bonds --------Other Stocks and Bonds______ 
Banking House --------------Furniture and Fixtures________ Other Real Estate Owned_____ 
 
7,437 53 12,236 65 _________ 
1,012 00 
_________ 10,003 93 _________ 
 
Amount Reserved for Branches Surplus Fund ----------------Undivided Profits ______________ Dividends Unpaid _____________ 
Due to Banks in this State___ Due to Banks in other States Call Money ------------------- 
 
--------1,000 00 5,566 84 40 00 
1, 777 05 ________ _ ________ _ 
 
Due from Banks in this State Due from Banks in other States Currency ---------------------Gold --------------------------Silver, Nickels, Pennies_______ Advances on Cotton ___________ Advances on other Commodities 
Checks for Clearing House___ Other Checks and Cash Items Customers' L,iability on Letters 
of Credit and Acceptances__ Overdrafts (if any) ------------ 
Other Assets -----------------County \Yarrants ------------- 
 
11,034 91l 2,503 5f 4.954 00 612 50 2,237 26 
11,925 H _________ 
2,913 09 2,453 85 
_________ _________ 
2,565 5," 27,387 79 
 
Individual Deposits Subject to 
Check ----------------------- 112,051 16 Demand Certificates of Deposit ________ _ 
Time Certificates of Deposit___ 62,842 53 Savings Deposits -------------- 2,004 22 Trust Funds on Deposit________________ 
Cashier's Checks _____________ _ 2,683 78 Certified Checks --------------- 136 25 Bills Payable ------------------ 92,500 00 Notes and Bills Rediscounted __ 1,6-51 48 Certificates of Deposit fo,r Bar- 
rowed Money ---------------- ________ _ 
Liability on Letters of Credit and Acceptances ------------ --------- 
Reserve for Inte,rest and Taxes ________ _ 
 
Other Liabi!Hies -------------- --------- 
 
Total ------------------------$332,253 31 Total ------------------------$332,253 31 
 
 Fms'l' ANNUAL REPORT 
 
215 
 
EXAMINER'S B.EPOB.T. 
BANK OF DUDLEY, DUDLEY. 
At Close of Business July 12, 1920. President-.!. A. Hogan. Vice-President-R. J. Chappell. Cashier-R. L. Sumner. Directors-.!. A. Hogan, R. J. Chappell, R. L. Sumner, T. J. Gilbert, Izzie Bashinski. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans, Demand Loans,__ $ 33,984 64 Capital Stock Paid In __________ $ 15,000 IJlj 
 
Loans Secured by Real Es,tate 
 
Amount Reserved for Branches 
 
United States Bonds_________ _ 7,485 78 Surplus Fund ---------------- 3, 750 00 
 
Other Stocks and Bonds, other 
 
Undivided Profits _____________ _ 1,786 28 
 
Real Estate and Banking 
 
Dividends Unpaid ____________ _ 
 
House ----------------------Furniture and Fixtures_______ _ 
 
1, 772 71 2,936 90 
 
Due to Banks in this State___ _ Due to Banks in other States __ 
 
2,404 12 
 
Other Real Estate Owned ____ _ 
 
Call Money -------------------- 
 
Due from Banks in this State Due from Banks in other States 
Currency ---------------------Silver, Nickels, Pennies_______ _ Advances on Cotton _________ _ 
 
1,801 00 
830 37 
1,265 or 
674 95 
 
Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of DeposiL_ Savings Deposits _____________ 
Trust Funds on Deposit_ ______ _ 
 
14,286 65 17,836 01 
 
Advances on other Commodities Checks for Clearing House ___ _ 
Cash Items -------------------Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts-(if any) _________ _ 
 
10,284 3"? 4&7 58 
 
Cashier's Checks ____________ _ 
BCielrltsifPieadyaCbhleec_k_s___-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money _______________ _ 
 
2 75 6,500 0) 
 
Other Assets: Profit and Loss_______________ _ 
 
Liability on Letters of Credit, 45 00 and Acceptances ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities: 
 
Cash Long -------------------- 
 
44 
 
Total ________________________ $ 61,568 25 Total ------------------------$ 61,568 25 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 24,908 93 Capital Stock Paid In __________ $ 15,000 00 Demand Loans ---------------- 7,397 61 Amount Reserved for Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds _________ 
 
________ _ ________ _ 
 
Surplus Fund -----------------Undivided Profits _____________ 
 
__3_,7_5_0___00_ 
 
All Stocks and Bonds__________ 7.48fi 7> Dividends Unpaid _____________ ________ _ 
 
Banking House ________________ 1,71r.l ~a Due to Banks in this State____ 
 
965 6~ 
 
Furniture and Fixtures________ 2,990 90 Due to Banks in other States __________ _ 
 
Other Real Estate Owned_____ ________ _ Call Money -------------------- ________ _ 
 
Due from Banks in this State__ ________ _ Individual Deposits Subject to 
 
Due from Banks in other States 
 
Check: ---------------------- 8,297 94 
 
Advances on Cotton____________ 9.693 gr Demand Certificates of Deposit ________ _ 
 
Advances on other Commodities ________ _ Time Certificates of Deposit___ 18,245 82 
 
Checks for Clea,ring House_____ ________ _ Savings DeposHs ------------- ________ _ 
 
Other Checks and Cash Items ________ _ Trust Funds on Deposit________ ________ _ 
 
Customers' Liability on Letters 
 
Cashier's Checks _____________ ________ _ 
 
of Credit and Acceptances__ ________ _ Certified Checks -------------- 121 74 
 
Overdrafts (if any)____________ 122 Ol' Bills Payable ----------------- 11,750 00 
 
Other Assets: 
 
Notes and Bills Rediscounted ________ _ 
 
Profit and Loss________________ 
 
118 15 Certificates of Deposit for Borrowed Money ________________________ _ 
 
Liability on Letters of Credit and Acceptances ____________ --------- 
Reserve for Interest and Taxes ________ _ 
 
Other LiabilHies -------------- ________ _ 
 
Total ------------------------$ 58,131 19 Total ------------------------$ 58,131 19 
 
 QF' l'f'l""'(1 
 
1 ;::;u::;pQV (.ilj ?t:f'"IY-i> ' 
 
! 
 
216 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
BANK OF DULUTH, DULUTH. 
 
At Close of Business July 28, 1920. 
 
President-.L. P. Patillo. Vice-President-J. W. Knox. Cashier-D. W. Wilson. 
 
Directors-L. P. Patillo, J. W. Knox, D. W. WUson, C. M. Pa,rson, A. M. Bell, 
 
Jno. Summerour, J. E. Lowe. 
 
Date of Charter-November 12, 1910. 
 
Began Business-November 1, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$220,701 19 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 7,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
10 000 00 1o:3oo oo 
 
US unrdpi vl ui ds e dF uPnrdo f i-t-s - -_-_-_-_-_-_-_ -_ _- _- -_ 
 
Other Stocks and Bonds ____ ________ _ Dividends Unpaid----------- 
 
21,654 56 
 
Banking House ------------ 2,078 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,500 00 Due to Banks in other States 
 
Other Real Estate Owned --------- Call Money ---------------Due from Banks in this State 12,783 06 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
11,043 34 1,118 00 
 
Detmo aCnhdeCckert-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of DeposiL 
 
107,516 11 
8-3~ 7i5- 86 
 
GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-__- -_ Advances on Cotton ________ 
 
20 00 _ ___4_26___82_ 
 
Savings Deposits ----------CCaersthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ 
 
557 52 
 
A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_ o_ _m_m_ _o_d_i_- 
 
_ _______ _ 
 
Bills Payable _____________ _ Notes and Bills Rediscounted 
 
40,000 00 
 
Checks for Clearing House __ 
 
76 59 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
815 6r> Borrowed Money --------- 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
ances __ - - - ___ - - -- __ - - __ Overdrafts (if any) ________ 
 
- - - ___ - - _ _______ _ 
 
Other Liabilities: Reserve for Interest and Taxes 
 
Other Assets: 
 
Deposits -- __ ---- __ --------- 
 
614 20 
 
CTarashnsSithA orct c_o_u__n_t_-_-_-_-_-_-_-_-_-_-_--_ 
 
115 M 80 60 
 
Total _____________________ $279,058 25 Total---------------------$279,058 25 
 
BANK'S STATEMENT at Close ,.of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLd o aLnosa n-s- - -_-_-_- -_-_-_-_-_-_- _- $_ _2 1_4_,_0_6_9_ _ _34_ 
 
Capital Stock Paid Amt. Reserved for 
 
In ______ -$ Branches 
 
2 5,000 
 
00 
 
Loans Secured by Real Estate United States Bonds_------_ 
 
2,950 00 10,300 Ou 
 
USunrdpivluids edFuPnrdof-it-s---_---------- -_-_---- 
 
20,569 73 
 
Other Stocks and Bonds ____ ________ _ Dividends Unpaid----------- 
 
Banking House ------------ 2,078 00 Due to Banks in this State-_ 1,287 53 
 
Furniture and Fixtures_____ Other Real Estate Owned 
 
2,500 00 ________ _ 
 
CDauiei tMo oBnaenyks_-i-n__o_t_h_e_r- _S_t_a_t_es_ 
 
Due from Banks in this State 10,105 68 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------GCoulrdren_c_y___ -------------_---------- -_---------Silver, Nickels, Pennies- ___ _ Advances on Cotton ___ -- ___ Adtvieasnce-s_-o_n--o-t-h_e_r- _C_o_m__m__o_d_i_- 
 
1,071 48 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 2,472 00 Time Certificates of DeposiL 
45 00 Savings Deposits ___ -- ____ - _ 381 18 Trust Funds on DeposiL----- ____ -- _ CCearsthifiieerd's CChheecckks s __-_-_------__-_-_----________ _ Bills Payable ______ -- ____ -- 
 
70,025 12 79,511 05 
1,077 39 162 25 
47,500 00 
 
Checks for Clearing House__ - _- ___ --- Notes and Bills Rediscounted 
 
Other Checks --------------Customers' Liability on Let- 
 
160 39 Certificates of Deposit for Borrowed Money _---- __ -- 
 
atenrcsesof _C_ r-e-d_i_t_ _a_n_d_ _A_ _c_c_e_p_t_Overdrafts (if any) ___ -- ___ Other Assets __________ - ____ 
 
________ _ _- ____ --________ _ 
 
Liability on Letters of Credit and Acceptances ---------- 
Reserveforlnterestand Taxes Other Liabilities _________ -- 
 
Total---------------------$245,133 07 Total---------------------$245,133 07 
 
'~ ' 
 
 FIRST ANNUAL REPORT 
 
21'i 
 
EXAMINElt'S :&EPO:&T. 
 
BANK OF EASTMAN, EASTMAN. 
 
At Close of Business August 11, 1920. 
 
President-C. C. Hosford. Vice-Presidents--W. L. Jesup, J. D. Herman. 
 
Cashier-T. S. Felder. Directors-C. C. Hosford, W. L. Jesup, J. D. Herman, A. Anderson, J. J. Harrell, 
J. S. Nicholson, J. H. Milner, A. G. Williamson, H. M. 0. Callahan. 
 
Date of Charter~December 28, 1918. 
 
Began Business-January 2, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$275,664 83 Capital Stock Paid In _______ $ 60,000 00 
 
DLoemanasndS<>Lcouarends by--R--e-a-l-E--s-t-a-te- 
 
20,887 43 ________ _ 
 
ASumrtp. luRsesFeurnvded _f_o_r___B_r_a_n_c_h__es_ 
 
United States Bonds ______ __ ________ _ Undivided Profits _- ____ -- __ - 
 
Other Stocks and Bonds ____ ________ _ Dividends Unpaid _________ _ 
 
1,000 00 
5,955 43 100 00 
 
Banking House ------------ 14,500 00 Due to Banks in this State_Furniture and Fixtures_____ 3,000 00 Due to Banks in oth<>r States 
 
Other Real Estate Owned ____ --------- Call Money __ --- _---------- 
 
Due from Banks in this State 7,355 50 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
886 45 DetomaCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 
 
GCoulrdr e n c_y_ _ _ _- -_ -_ -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
_ _4_, 5_4_6_ _ _00_ 
 
Time Certificates Savings Deposits 
 
of Deposit_-- ___ --- _- 
 
90,353 37 85,600 33 
 
Silver, Nickels, Pennies_____ 
 
627 40 Cashier's Checks ______ --- _- 
 
Advances on Cotton_- ___ -___ ________ _ Certified Checks _______ -- __ - 
 
532 94 
 
Advances on other Commodities ________ - ____ - _____ - _ 
 
- _------- 
 
Bills Payable -------------- 100,000 00 Notes and Bills Rediscounted 
 
Checks for Clearing House__ 1,139 02 Certificates of Deposit for 
 
Other Checks and Cash Items 5,604 03 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- 3,814 26 Other Liabilities __________ - 
 
194 10 
 
Oth<>r Assets -------------- 5,711 25 
 
Total _____________________ $343,736 17 Total _____________________ $343,736 17 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$247,937 17 Capital Stock Paid In _______ $ 60,000 00 
 
Demand Loans -----------Loans Secured by Real Estate 
 
________ _ SAumrpt.luRs eFseurnvded __fo__r __B_r_a_n_c__h_es_ 
 
3,000 00 
 
United States Bonds ________ ________ _ Undivided Profits _____ - ____ _ 2,608 OJ 
 
Other Stocks and Bonds ____ ________ _ Dividends Unpaid ---------- 
 
Banking House ------------ 14,500 00 Due to Banks in this State_- 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
3,000 00 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 3,759 16 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 61,025 54 
 
States ------------------GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
212 59 Demand Certificates of DepoRit 1,031 00 Time Certificates of DeposiL 66,493 90 
50 OO Savings Deposits ----------- 
 
Silver, Nickels, Pennies _____ _ 
 
244 91 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton_- ___ -- __ 6,356 39 Cashier's Checks ----------- 
 
37 55 
 
Advances on other Commodi- 
 
Certified Checks __ --- _--- __ - 
 
ties ___ ------------------ --------- Bills Payable ____ - ____ -- __ - 95,000 00 
 
Checks for Clearing House__ 3,460 79 Notes and Bills Rediscounted 
 
Other Checks arid Cash Items ________ _ Certificates of Deposit for 
 
Customers' Lia hi!ity on Let- 
 
Borrowed Money --------- 
 
atenrcsesof _C_r_e_d_i_t__a_n_d- _A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ---------- 
 
Overdrafts (if any) ________ --------- Reserveforinterestand Taxes 
 
Other Assets: 
 
Other Liabilities ______ --- _- 
 
City and County Warrants __ 7,612 99 
 
TotaL ____________________ $288,165 00 TotaL ___________________ -$288,165 00 
 
 218 
 
BANKING DEPARTMEKT 
 
EXAMINEE'S BEPOBT. 
 
CITIZENS BANKING COMPANY, EASTMAN. 
 
At Close of Business October 13, 1920. 
 
President-C. H. Peacock. Vice-President-T. H. Edwards. Cashier-E. H. Ware. 
 
Directors-C. H. Peacock, J. W. Morris, J. C. 'Vall, T. H. Edwards, J. H. Roberts, 
 
C. L. Anderson, S. C. Smyly. 
 
Date of Charter-February 8, 1910. 
 
Began Business-February, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$416,376 68 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans------------- 13,57717 Amt. Reserved for Branches ____ ----- 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 20,000 00 
 
United States Bonds ________ 16,402 80 Undivided Profits ----------- 18,190 79 
 
Banking House and Furniture 
 
Dividends l'npaid ---------- --------- 
 
Otahnedr RFiexatluEresstat-e--O--w-n-e-d--_-__--_ 
 
13,172 57 183 73 
 
Due to Banks in this State.Due to Banks in other States 
 
..... ------------ 
 
Due from Banks in this State 18,295 21 Call Money _____ ----------- ---- .. - -- 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-. -_-_-_ -_ 
 
18,803 38 to Check ----------------- 250,151 98 6,534 00 Demand Certificates of Deposit --------220 00 Time- Certificates of Deposit. 135,235 63 3,545 29 Savings Deposits ----------- --------- 
 
Advances on Cotton _____  __ _ 1 5,794 05 Trust Funds on Deposit. ____ --------- 
 
Adtvieasnce_s__o_n_ _o_t_h_e_r_ _C_o_m_ _m__o_d_i-_ 
 
________ _ 
 
Cashier's Checks ____ -- ____ _ Certified Checks ------- _---- 
 
353 88 --------- 
 
Checks for Clearing House __ 4,732 93 Bills Payable -------------- 25,000 00 
 
Other Checks and Cash Items 
 
651 12 !\'otes and Bills Rediscounted 5,000 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
atenrcsesof__C__re_d__it- _a_ri_d__A_ _c_c_e_p_t_- 
 
________ _ 
 
Borrowed Money _--- _____ Liability on Letters of Credit 
 
__- _---- _ 
 
Other Assets: 
 
and Acceptances _ _ __ _ _ _ __ _ ____ - _--. 
 
War Savings Stamps ______ _ 
 
846 00 Reserve for Interest and Taxes ______ - __ 
 
Collection Account ________ _ City Warrants ------------- 
 
41 7,021 
 
87 68 
 
COatshher LLoniagbil_i_t_ie_s_:___________ _ 
 
County 'Varrants _________ _ 17,840 91 
 
107 11 
 
Total _____________________ $554,039 39 Total _____________________ $554,039 39 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$335,384 23 Capital Stock Paid In ....... $100,000 00 Demand Loans _____________ 8,993 36 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 75,780 32 Surplus Fund -------------- 20,000 00 
 
United States Bonds._______ 16,402 80 Undivided Profits ----------- 18,986 58 
 
Banking House------------- 7,703 15 Dividends Unpaid ---------- --------Furniture and Fixtures.____ 5,469 42 Due to Banks in this State- .. --------- 
 
Other Real Estate Owned____ 
 
183 73 Due to Banks in other States --------- 
 
Due from Banks in this State 14,660 65 Call Money _____ ------ _- __ - --------- 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies. ____ _ Advances on Cotton ________ _ 
 
5,973 75 6,960 00 
180 00 3,672 02 18,847 90 
 
to Check ----------------Demand Certificates of Deposit Time Certificates of Deposit. 
Savings Deposits ----------Trust Funds on Deposit. ____ 
 
209,718 86 ___ -----148,052 08 
----------------- 
 
Adtvieasnce_s__o_n__o_ t-h_e-r_ _C_o_m__m_ _o_d_i_- 
 
________ _ 
 
Cashier's Checks ----------Certified Checks _____ -- _____ 
 
1,071 02 _ _------- 
 
Checks for Clearing House._ 2,353 13 Bills Payable --------------- 25,000,00 
 
Other Checks and Cash Items 
 
732 81 Notes and Bills Rediscounted 7,560 OU 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
O tahnecre sA s-s-e-t s-:- - - - - - - - - - - - - - - - 
 
--------- 
 
Liability on Letters of Credit and Acceptances __ --- _---- 
 
--------- 
 
City and County Warrants .. 26,.H1 27 Reserve for Interest and Taxe:-; ---- ----- 
 
25 per cent of Stock Sub- 
 
Other Liabilities _---------- --------- 
 
scribed to Federal Reserve Banking Co. _____________ _ 
 
750 00 
 
Total---------------------$530,388 54 
 
Total _____________________ $530,388 54 
 
 Fms'l' ANNUAL HEPOH'l' 
 
219 
 
EXAMINER'S B.EPOB.T. 
 
MERCHANTS & FARMERS BANK, EASTMAN. 
At C~ose of Business August 4, 1920. 
President-E. D. Graham. Vice-Presidents-J. D. Herman. .T. H. Roberts. Directors-E. D. Graham, J. D. Herman, J. H. Roberts, W. P. Cobb, J. J. Harrell, 
R. L. Kinchen, B. F. Burch, C. F. Coleman, J. B. Coffee. Date of Charter-February 27, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$391,023 70 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds________ 
Banking House ------------Furniture and Fixtures______ 
 
4,415 05 ________ _ 
200 00 
9,093 55 5, 752 50 
 
Amt. Reserved for Branches Surplus Fund _---- _-------Undivided Profits ________ - __ Dividends Unpaid _______ - __ 
Due to Banks in this State.- 
 
45,000 00 1,728 41 
66 78 
 
Other Real Estate Owned____ Due from Banks in this State 
 
3,178 70 18,945 26 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies ____ _ Advances on Cotton_________ 
 
2,442 18 1,060 00 
200 00 1,253 26 ________ _ 
 
to Check ----------------- 115,122 11 Demand Certificates of Deposit Time Certificates of Deposit. 114,397 72 Savings Deposits __________ _ Cashier's Checks __________ _ 4,224 14 
 
Adtvieasnce_s_ _o_n_ _o_t_h_e_r_ _C_o_m__m_ _o_d_i_- 
 
________ _ 
 
Certified Checks - ___ ---- _--Bills Payable ________ ------ 
 
115,000 00 
 
Checks for Clearing House __ 1,733 95 N'otes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
470 02 
 
Certificates of Deposit for Borrowed Money ______ - __ 
 
atenrcsesof_-C_r_e_d_i-t_ _a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Overdrafts( if any) --------Other Assets: War Savings Stamps ______ _ 
County Warrants ----------City Warrants ------------- 
 
158 47 
915 50 2,614 27 2,239 55 
 
Reserve for Interest and Taxes COatshher LLoinagbil_i_t_ie_s_:___________ _ 
 
156 80 
 
'l'otal _____________________ $445,695 96 Total _____________________ $445,695 96 
 
BANK'S STATEMENT at Close of Business December 15, 1~20. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$340,810 91 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 6,849 12 Amt. Reserved for Branches 
 
Banking House ------------Furniture and Fixtures______ 
 
9.093 55 5, 752 50 
 
Surplus Fund -------------Undivided Profits _________ _ 
 
45,000 00 
 
Other Real Estate Owned____ 3,178 70 Dividends Unpaid _________ _ 
 
Due from Banks in this State 13,099 10 Due to Banks in this StatA __ 
 
129 24 
 
Due from Banks in other 
States ------------------Currency -----------------Gold - __ ------------------Silver, Nickels. Pennies ____ _ 
 
197 34 1,325 70 
-- -- ----258 80 
 
Due to Banks in other States Call Money _______________ _ Individual Deposits Subject 
to Check ----------------Demand Certificates of Deposit 
 
95,267 60 
 
Advances on Cotton _________ --------- Time Certificates of Deposit. 102,414 30 
 
Advances on other Commodi- 
 
Savings Deposits ----------- 
 
ties --------------------- --------- Trust Funds on Deposit. ___ _ 
 
Checks for Clearing House __ Other Checks and Cash Items 
 
453 480 
 
99 91 
 
CCearsthifiieerd's CChheeckcsks_-_-_-_-_-_-_-_-_-_-_--_ 
 
8,114 52 
 
Customers' Liability on Let- 
 
Bills Payable--------------- 105,000 00 
 
atenrcsesof_ _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
1\Totes and Bills Rediscounted Certificates of Deposit for 
 
Overdrafts (if any) ________ _ 9,011 79 Borrowed Money --------- 
 
Other Assets: StoCcok. I_n_t_e_r_n_a_t_i_o_n_a_l___R_a_n__k_in_g_ 
 
Liability on Letters of Credit and AcceptanC'es _________ _ 
~7r, 00 Reserve for lnte-restand Taxes 
 
City and County \\rarrants __ 1 0,24~ 61 Otlwr Liabilities __________ _ 
 
\.Var Saving~ Stanlpf-L ______ _ 
 
49 50 
 
Interest Paid --------------- :\,745 14 
 
Total _____________________ $405,925 66 
 
Total .. -------------------$405,925 66 
 
- - - -    ~------------------ 
 
 r 
i 
 
220 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF EAST POINT, EAST POINT. 
 
At Close of Business August 11, 1920. 
 
President-R. F. Thompson. Vice-President-F. J. Allen. Cashier-J. W. Matthews. 
 
Directors--F. J. Allen, G. C. Christian, E. G. Little, A. J. McCoy, W. F. Smith, 
 
R. F. Thompson, G. C. Trimble, W. G. Whisenheut. 
 
Date of Charter-February 28, 1906. 
 
Began Business-February 19, 1906. 
 
RESOURCES 
 
LIABlLITIES 
 
Time Loans -------------- .. $221,954 16 Capital Stock Paid In ....... $ 35,000 00 
 
Demand Loans ------------- 60,510 00 Amt. Reserved for Branches --------Loans Secured by Real Estate __ ____ ___ Surplus Fund .......... --.. 7,000 00 
 
United States Bonds-------- 
 
240 87 Undivided Profits ----------- 9,224 41 
 
Other Stocks and Bonds..... 7,500 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------- 5,055 23 Due to Ranks in +his Stat<' .. --------Furniture and Fixtures .. ____ 3,590 14 Due to Banks in other States --------. 
 
Other Real Estate Owned .. __ __ __ __ __ _ Call Money ---------------- --------. 
 
Due from Banks in this State 97,603 53 Individual Deposits subject 
 
Due from Banks in other 
 
to Check ----------------- 278,602 68 
 
States ------------------- 43,257 38 Demand Certificates of Deposit --------Currency __ __ __ __ __ __ __ __ __ 26,124 00 Time Certificates of Deposit. 19,831 19 
 
Gold ----------------------- 
 
665 00 Savings Deposits ----------- 125,385 67 
 
Silver, Nickels, Pennies .. ___ 4,424 94 Trust Funds on Deposit.---- --------. 
 
Advances on Cotton_________ __ ______ . Cashier's Checks --------... ------ ... 
 
Advances on other Commodi- 
 
Certified Checks __ .. -- __ --.. __ .---- __ 
 
ties __ __ __ __ __ __ __ __ __ __ _ __ __ --.-- _ Bills Payable -- ______ ---- __ . ------ .. . 
 
Checks for Clearing House__ _____ . ___ Notes and Bills Rediscounted ....... _. 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
543 05 Certificates of Deposit for Borrowed Money -- .. -- __ . __ ---- __ _ 
 
atenrcsesof__C__re_d_ i_t__a_n_d_ _A_ _c_c_e_p_t_- __ __ __ __ _ LiaanbdiliAtyccoenptLanectteesrs..o.f. C__r_e_d_i_t __ __ .-- __ 
 
Overdrafts (if any) _________________ Reserveforinterestand Taxes --------- 
 
Other Assets: 
 
Other Liabilities . . . . . . . . . . . . ..... - .. 
 
Mutual Insurance Fund .... __ 
 
120 00 
 
Depositors' Guarantee Fund. 3,455 65 
 
Total ... ------------------$475,043 95 Total ... ------------------$475,043 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _________ . ____ .. $208,038 97 Capital Stock Paid In .. ____ .$ 35,000 00 
 
Demand Loans ........... _. 69,100 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 9,838 76 Surplus Fund ________ ---- __ '1,000 00 
 
United States Bonds .. ______ 
 
240 87 Undivided Profits ____ ---- ... 11,623 47 
 
Other Stocks and Bonds .. ___ 7,500 00 Dividends Unpaid ______ -- __ 
 
Banking House ------------- 5,055 23 Due to Bai<ks in this State .. 
 
Furniture and Fixtures .. ____ 3,590 14 Due to Banks in other States 
 
Other Real Estate Owned .. __ __ __ __ __ _ Call Money __ -- __ -------- __ 
 
Due from Banks in this State 92,876 83 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ................ . 253,040 30 
 
States _. _... ________ .. ___ 28,568 31 Demand Certificates of Deposit 
 
Currency __ __ __ __ __ __ __ __ __ 18,918 06 Time Certificates of Deposit. 19,124 17 
 
Gold ______________________ . 
 
730 00 Savings Deposits __ ------ .. . 130,512 45. 
 
Silver, Nickels. Pennies .. ___ 4, 738 49 Trust Funds on Deposit. ... . 
 
Advances on Cotton_________ __ __ __ __ _ Cashier's Checks __________ . 
 
Advances on other Commodi- 
 
Certified Checks _.......... . 
 
ties ______ -- ____________ . __ __ __ __ _ Bills Payable --------------. 
 
Checks for Clearing House.. 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Acceptances __ __ __ ___ __ __ __ __ __ _ 
 
____ .. __ . 3,529 14 
_ _ _ _ __ __ _ 
 
Notes and Bills Rediscounted 
Certificates of Deposit for Borrowed Money __ ---- __  
Liability on Letters of Credit and Acceptances ______ .... 
 
Overdrafts (if any) -------- --------- Reserveforlnterestand '!'axes 
 
Other AssetR: 
 
Otlwr LiabilitiPR ----------- 
 
DepositorR' Guarantee Fund_ 3,4!)!) 6fi 
 
.Mutual Jn:;;;uranee ----------- 
 
120 00 
 
Total . . -------------------$456,300 39 Total.--------------------$456,300 39 
 
 FIRST ANNUAL REPORT 
 
221 
 
EXAMINER'S REPORT. 
 
BANK OF EATONTON, EATONTON. 
 
At Close of Business September 29, 1920. 
 
President-L. 0. Benton. Cashier-P. W. Walton, .Jr. 
 
Directors-L. 0. Benton, E. H. Reese, P. W. Walton, Eugene Benton. 
 
Date of Charter-M-ay 11, 1903. 
 
Began Business-May 11, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$358,344 20 
 
Demand Loans ------------- 17,945 10 Loans Secured by Real Estate 94,938 28 United States Bonds_________ 8, 900 00 
 
OBathnekrinSgtoHcokus saend___B_o_n_d_s_______c___ --5-,-5-0-0--0-0 
 
Furniture and Fixtures_____ 1,500 00 
 
Other Real Estate Owned____ 
 
100 00 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches Surplus Fund _____________ _ 
Undivided Profits ----------Dividends 'Cnpaid __ -- __ --- _ Due to Banks in this State __ CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
25,000 00 
50,000 00 19,407 36 
35,000 00 
 
Due from Banks in this State .3,178 93 Individual Deposits Subject 
 
g~rJ~~e~s~-: ~ ~ ~ ~ ~ ~ ~~ ~ ~ ~ ~ ~ ~ ~~~ ~ __~:~~~ _~~ Due from Banks in other 
 
Detmo aCnhdeCcekrt-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t 128,398 07 Time Certificates of Deposit_ 58,875 07 Savings Deposits ___ - ___ - __ _ 
 
Silver, Nickels, Pennies __ --- 
 
570 02 Trust Funds on Deposit_- __ _ 
 
ties --------------------- --------- Advances on Cotton__ ---_--- 
Advances on other Commodi- 
 
4,107 19 Cashier's Checks _______ - __ _ 1,170 00 
 
CBei lrltsi f iPeady aCbhleec k_s_ _ _-_-_-_-_-_-_-_-_-_-_- -_ 
 
30 124,000 
 
61 00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 43,134 10 
 
Other Checks and Cash Items 
 
342 33 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 20,000 00 
 
atenrcsesof__C_r_e_d_i_t__a_n_d___A_c_c_e-p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Overdrafts (if any) --------Other Assets: 
 
2,007 78 
 
Reserve for Interest and Taxes Other Liabilities _______ - __ _ 
 
Cash Short----------------- 
 
17 72 
 
Total---------------------$505,015 21 
 
Total _____________________ $505,015 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$268,077 15 Demand Loans ------------- 14,602 26 Loans Secured by Real Estate 120,826 61 
United States Bonds-------- --------Other Stocks and Bonds_____ 1,300 00 
 
Capital Stock Paid In _______ $ 
Amt. Reserved for Branches 
Surplus Fund -------------UDnivdiidveinddeds PUrnopfiatisd --_-_-__-_-_-_-_-_--_ 
 
25,000 00 
50,000 00 18,269 79 
 
Banking House ------------- 5,500 00 Due to Banks in this State __ 22,500 00 
 
Furniture and Fixtures_____ Other Real Estate Owned 
 
1,500 00 -- __ ----- 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 13,182 63 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------GCoulrdren_c_y____-_------__----------------_-_ -----Silver, Nickels, Pennies ____ _ Advances on Cotton_- ______ _ Advances on other Commodi- 
ties --------------------Checks for Clearing House __ 
 
2,350 39 6,800 00 
365 00 2,602 49 3,781 11 
-- ------2,816 71 
 
DetomaCnhdeCcekrt-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t 79,969 90 
 
Time Certificates of Deposit_ 32,741 59 
 
Savings .Deposits ---------- 
 
Trust Funds on Deposit _____ _ 29,533 17 
 
CCearsthifiieerd's CChheeccksks_-_-_-_-_-_-_-_--- -__--_ Bills Payable ______________ _ 
 
201 
100 114,000 
 
so 
00 00 
 
Notes and Bills Rediscounted 37,515 10 
 
Other Checks and Cash Items --- _----- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money - ____ - __ _ 37,500 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaft-s--(-i-f--a-n-y-)---_-__-_-_--- -__- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- 3,627 00 Other Liabilities ----------- 
 
TotaL _________ --_- ______ -$447,331 35 TotaL ____________________ $447,331 35 
 
 l~ 
I 
 
22'~ 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK, EATONTON. 
At Close of Business September 14. 1920. 
 
I'resident-R. K. Mathews. Vice-President-M. F. Adams. Cashier-.John D. Turner. 
 
Directors-R. K. Mathews, M. !<'. Adams, S. A. Clark, J. N. Hawkins, H. R. Hearn, 
 
S. J. Steinbach. 
 
Date of Charter-October 8, 1917. 
 
Began. Business-October 1, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---.-------------$176.258 78 Capital Stock Paid In_---- .. $ 25,000 00 Demand Loans ------------- 19,569 44 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 8,950 56 Surplus Fund ______ -------- 4,000 00 
 
United States Bonds .. ______ 5,000 00 Undivided Profits ----------Other Stocks and Bonds _____________ _ Dividends Unpaid _--------Banking House __ _ __ __ __ __ _ __ ______ _ Due to Banks in this State_- 
 
3,280 98 
 
Furniture and Fixtures_____ 4.034 24 Due to Banks in other States Other Real Estate Owned.__ ________ _ Call Money ______ ---------- 
 
Due from Banks in this Stnte Due from Banks in other 
States ------------------Currency -----------------Gold ----------------------- 
 
3, 769 29 Individual Deposits Subject to Check ----------------- 
7,571 73 Demand Certificates of Deposit 5,435 00 Time Certificates of Deposit. ________ _ Savings Deposits ----------- 
 
71, 75g 20 
27,050 75 2,622 69 
 
Silver, Nickels, Pennies .. ___ 
 
147 60 Trust Funds on Deposit ___ - 
 
Advances on Cotton_________ __ ______ _ Cashier's Checks ----------- 
 
Adtviensnce_s__o_n_ _o_t_h_e_r_ _C_o__m_m_ _o_d_i-_ 
 
________ _ 
 
Certified Checks __ ---------Bills Pay>tble ____ ----------- 
 
102 20 105 89 72,850 00 
 
Checks for Clearing House__ 
 
325 05 Notes and Bills Rediscounted 31,608 82 
 
Other Checks and Cash Items 
 
484 06 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Acceptances __ _ __ __ _ _ __ __ __ __ __ _ 
 
Li>tbility on Letters of Credit 5,213 40 and Acceptances _________ _ 
 
Overdrafts (if an~-) _________ 1,381 33 Reserve for Interest >tnd Taxes 
 
Other Assets: Profit and Loss ------------ 
 
Other Liabilities _______ ----- 
239 Op 
 
Total _____________________ $238,379 53 TotaJ _____________________ $238,379 53 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $153,395 65 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 23,061 ill Amt. Reserved for Branches 
 
Loans Secured by Renl Estate 8,950 56 Surnlus Fund -------------United States Bonds __ __ __ __ __ ______ _ Undivided Profits ___ - _----- 
 
4,000 00 2,833 74 
 
Other Stocks and Bonds ____ ________ _ Dividends Dnpaid ---------- 
 
Ranking House ------------ --------- Due to Banks in this State._ 
 
Furniture and Fixtures ____ 4,109 24 Due to Banks in other States 
 
Other Real Estate Owned.___ ________ _ Call Money _____ ----------- 
 
Tlue from Bnnks in thiR State 3,931 17 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 42,452 49 
 
States ------------------- 1,045 13 Demand Certificates of Deposit 
 
Currency, Gold, Silver, Nickels 
 
Time Certificates of Deposit. 23,405 9fi 
 
anrl PennieR ------------- 1,033 18 Savings Deposits _________ _ 1,537 91 
 
A<hances on Cotton_________ _ _______ _ Trust Funds on Deposit. ___ - 
 
.\dtvieasnce_s__o_n_ _o_ t_h_ e_r_ _C_o_m__m_ _o_d_i_- 
 
_ _______ _ 
 
Cashier's Checks __________ Certified Checks __________ __ 
 
200 66 12 6t 
 
Checks for Clearing House__ 
 
605 91 Bills Payable ____________ __ 68,885 03 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 29,028 60 
 
Overdr>tfts (if any) __ __ __ __ _ _ ______ __ Certificates of Deposit for 
 
Other Assets: 
 
Borrowed Money ________ _ 
 
Profit and Loss _ __ _ _ __ __ __ _ 
 
724 67 Liability on Letters of Credit 
 
Acceptances _______________ 
 
500 00 and Acceptanf'es ---------- 
 
TIPsPr\'efor Interel-1tancl rraxf\s 
 
Other T.ial>ilili<>s __________ _ 
 
Total _____________________ $197,357 02 TotaL __________________ .. $197,357 02 
------------------------------------------------------- 
 
 FIRST ANNUAL REPORT 
 
223 
 
EXAMIJ!II"EB.'S B.EPOB.T. 
 
MIDDLE GEORGIA BANK, EATONTON. 
 
At Close of Business September 8, 1920. 
 
President-B. W. Hunt. Vice-President-F. P. Ezell. Cashier-E. W. Ingram. 
 
Chairman of Board-E. B. Ezell. 
 
Directors-B. \\'. Hunt, P. P. Ezell, E. B. Ezell, E. W. Ingram. 
 
Date of Charter-December, 1890. 
 
Began Business-February, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$368,688 50 Capital Stock Paid In _______ $ 50,000 Oo Demand Loans _____________ 92,911 66 Amt. Reserved for Branches ________ _ 
 
Lo>:ns Secured by Real EKtate 170,608 5~ Surplus Fun<l -------------- 50,000 00 Umted States Bonds _________________ Undivided Profits ---------- 62,977 1?. 
 
Other Stocks and Bonos ____ 20,500 00 Divi<lends Unpaid ---------- 
 
56 75 
 
Banking House ------------ _________ Due to Banks in this State __ --------- 
 
Furniture and Fixtures ______________ Due to Banks in other States --------- 
 
Other Real Estate Owned _____________ Call Money ---------------- --------- 
 
Due from Banks in this State 9,062 68 Individual Deposits Subject 
 
Due from Banks in other 
 
States ------------------- 27,119 17 
 
Currency ------------------ 7,961 00 
 
Gold ---------------------- 
 
n5 00 
 
Silver, Nickels, Pennies_____ 2,731 7ll 
 
Advances on Cotton __________________ 
 
to Check ---------------- 341,587 72 Demand Certificates of Deposit 24,011 98 Time Certificates of Deposit_ 132,894 28 Savings Deposits ___________ --------Trust Funds on Deposit _____ --------Cashier's Checks ___________ 2,460 80 
 
Advances on other Commodi- 
 
Certified Checks ___________ 
 
12 50 
 
ties --------------------- --------- Bills Payable ______________ 40,000 00 Checks for Clearing House__ 2,27G 79 Notes and Bills Rediscounted 10,000 00 
 
Other CheckR and Cash Items 6.679 70 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _________ ___ ---- _- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances _________________ ___ _________ and AcceptanceR _____ ____ ________ _ 
 
Overdrafts (if any) ________ 4,922 65 Reserve for Interest and Taxes ________ - 
 
Other Assets: 
 
Other Liabilities ___________ - __ ------ 
 
Sundr, Bills --------------- 
 
484 74 
 
TotaL ___________________ -$714,001 16 TotaL ____________________ $714,001 16 
 
BANK'S STATEMF:NT at Close of Business December 15 1920. 
 
RESOURCES 
 
LIABILITIES 
 
"T'ime Loans ---------------$226,751 86 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 124,261 52 Amt. Reserved for Branches Loans Secured by Real Estate 245,103 67 Surnlus Fund -------------- 50,000 00 United States Bonds _________________ Undivided Profits _________ _ 59,711 11 
 
Other Stocks and Bonds____ 20,500 00 Dividends Unpaid - _- __ -- __ _ Banking House ------------ _________ Due to Banks in this State __ Furniture and Fixtures ______________ Due to Banks in other States 
 
56 75 
 
Other Real Estate Owned _____________ Call Money ---------------- 
 
Due from Banks in thiR State 43,927 4:; Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 296,12R 84 
 
States ------------------- 45,315 23 Demand Certificates of Deposit 3,400 00 
 
Currency ------------------ 6,699 00 Time Certificates of Deposit_ 122,118 44 
 
Gold ---------------------- 
 
35 or Savings Deposits----------- 
 
Silver, 1\'ickels, Pennies_____ 2,037 46 Trust Funds on Deposit ____ _ 
 
806 71 
 
Advances on Cotton __________________ Cashier's Checks _________ _ 14,185 19 
 
Advances on other Commoflities - _____________ . ____ _ _ 
 
_________ 
 
Certified Checks _______ -- __ _ Bills Pa:\'able __________ - __ _ 
 
1 ;222 110,639 
 
50 ;,g 
 
Checks for Clearing House__ Other Checks and Cash ItemR Customers' Liability on Let- 
 
595 29 0.'otes and Bills Rediscounted 261 13 Certificates of Deposit for 
Borrowed Money ________ _ 
 
8,184 57 
 
atenrcsesof__C__re_d__it_ a. _n_d_ _A__c_c_e_p_t_- _ _ _ __ _ _ __ LiaanbdilitAyccoenpLtaentcteesrs _o_f__C_r_e_d_i_t 
 
Overdrafts (if any) ________ 
 
966 11 Reserve for Interest and Taxes 
 
Other AsRets _______________ _________ OtllE'r Liabilities __________ _ 
 
TotaJ _____________________ $716,453 70 TotaL ____________________ $716,453 70 
 
 224 
 
BANKING D:EPARTMENT 
 
EXAMI:NEB.'S B.EPOB.T. 
 
BANK OF EDISON, EDISON. 
 
At Close of Business October 27, 1920. 
 
President-C. J. Rambo. Vice-President-Henry Turner. Cashie,r-L. C. Maury. 
 
Directors-C. J. Rambo, Henry Turner, L. C. Maury, W. M,. Sutton, C. S. Sealy, 
 
J. A. Coleman, E. S. Sheppard, J. 0. Axum. 
 
Date of Charter-September 24, 1904. 
 
Began Bus.iness-O'ctober, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$256,288 64 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 4,385 99 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
________ _ 166 69 
 
Surplus Fund -------------Undivided Profits ---------- 
 
.30,000 00 11,522 14 
 
Other Stocks and Bonds_____ 
 
633 31 Dividends Unpaid ---------- 
 
Ranking House ------------ 3,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,800 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ______ ----- ____ _ 
 
Due from Banks in this State 15,894 76 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
11,280 03 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 133,476 97 
 
CGuolrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ __4_,4_3_9___00_ TSaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_i_t__ 7,900 00 
 
Silver, Nickels, Pennies_____ Advances on Cotton _________ A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i_- 
Checks for Clearing House__ 
 
891 98 36,907 33 
________ _ ________ _ 
 
Trust Funds on Deposit_ ___ _ CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ Notes and Bills Rediscounted 
 
855 16 
95,000 00 10,735 47 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
1,080 54 CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___f_or_ 
 
atenrcsesof- _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Overdrafts (if any) _______ _ Other Assets ______________ _ 
 
1,100 17 1,616 65 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
340 28 232 50 
 
TotaL ____________________ $340,062 52 Total _____________________ $340,062 52 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$265,218 31 Capital Stock Paid In _______ $ 50,000 00 
 
DL oe ma nasnSde cLuoraends b y- -R- -e-a-l-E- -s-t-a-t eUnited States Bonds -------- 
 
__2_,_2_9_4__67_ 300 00 
 
Amt. Reserved for Branches US unrdpi vl ui ds e dF uPnrdo f-i t-s- - -_-_ -_ _- _- _- _-_-_- -_ 
 
30,000 00 12,752 86 
 
Other Stocks and Bonds____ 
 
500 00 Dividends Unpaid ---------- 
 
Banking House ------------ 3,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other, Real Estate Owned ____ 
 
1,800 00 --------- 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r_ S--t-at_e_s_ 
 
Due from Banks in this State 22,979 17 Individual Deposits Subject 
 
Due from Banks in other States _________________ _ 
CG uo lrdr e n_c_y_ _ _-_-_-_-_ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- -_ 
 
to Check ----------------- 103,275 12 
 
is- 4o 7,382 25 
4,692 00 
 
Demand Certificates of Deposit Time Certificates of DeposiL 
 
- -9~5 
 
10 00 Savings Deposits _______ - __ _ 
 
Silver, Nickels, Pennies ____ _ 
 
815 94 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _______ _ 33,618 59 Cashier's .Checks __ --------- 
 
853 94 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C_o_m__m__o_d_i-_ ________ _ CBeilrltsifiPedayCabhelecks_______- ___-_-_-_-_-_-_--_ 125,000 00 
 
Checks for Clearing House __ 
 
Notes and Bills Rediscounted 12,782 46 
 
Other Checks and Cash Items 1,471 86 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances _____ - ---------- ___ _ ______ - __ and Acceptances _-------- 
 
Overdrafts (if any) _______ _ 
 
34 81 Reserve for Interest and Taxes 
 
Other Assets: Revenue Stamps __________ _ 
 
Other Liabilities _______ - _-65 18 
 
Total---------------------$344,182 78 Total---------------------$344,182 78 
 
 FIRST ANNUAL REPORT 
 
225 
 
BXAMilii"BB'S BBPOBT. 
 
BANK OF ELBERTON, ELBERTON. 
 
At Close of Business August 18, 1920. 
 
President-W. 0. Jones. Vice-President-T. 0. Tabor. Cashier-C. 0. Brown. 
 
Directors-W. 0. Jones, T. 0. Tabor, W. F. Anderson, J. T. Heard, C. 0. Brown, 
 
C. H. Allen, W. D. Tutt, C. A. Arnold, E. G. Nash, 0. H. Smith, M. F. 
 
Daniel, 0. D. Jones, H. W. Wallace, J. E. Ashbury, Neil Tur- 
 
ner, S. M. Orr, R. R. Hall, J. E. Johnson, M'. P. 
 
Deadwyler, P. E. Heard. 
 
Date of Charte.r-1893. 
 
Began Business-1893. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$464,054 56 Capital Stock Paid In-------$100,000 00 
 
Demand Loans ------------- 28,250 00 Amt. Reserved for Branches --------Loans Secured by Real Estate 8,367 46 Surplus Fund -------------- 25,000 00 
 
United States Bonds ------- 56,102 50 Undivided Profits ----------- 17,254 39 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- --------- 
 
Banking House ------------ 30,142 51 Due to Banks in this State __ --------Furniture and Fixtures _____ 12,535 55 Due to Banks in other States ------ __ _ 
 
Other Real Estate Owned____ 7,423 43 Call Money ---------------- --------Due from Banks in this State 5,916 67 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 312,389 68 
 
States ------------------- 2,652 59 Demand Certificates of Deposit --------Currency ------------------ 6,321 00 Time Certificates of DeposiL 79,080 76 
 
Gold ---------------------- 
 
210 00 Savings Deposits ----------- --------- 
 
Silver, Nickels, Pennies_____ 3,157 81 Trust Funds on DeposiL ____ --------- 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
603 18 58 60 
 
ties --------------------- ---------Bills Payable-------------- 95,000 00 Checks for Clearing House__ 1,950 '67 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items 1,906 36 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _________ ________ _ 
 
taenrcsesof__C-r-e-d_i_t__a-n_d___A-c_c_e_p_t-_ _ _ __ _ _ __ _ LiaanbdilitAycocnepLtaentcteerss _o_f__C_r_e_d_i_t ________ _ 
 
Overdrafts (if any) ________ 
 
545 50 Reserve for Interest and Taxes ________ _ 
 
Other Assets _______________ _________ Other Liabilities __________ _ 
 
150 00 
 
TotaL ___________ -------_ -$629,536 61 
 
Total _____________________ $629,536 61 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$414,630 39 
 
Demand Loans ------------- 17,258 24 Loans Secured by Real Estate 8,367 46 
 
United States Bonds 
 
56,012 50 
 
Other Stocks and Bonds _____ --------- 
 
Banking House ------------ 30,142 51 Furniture and Fixtures_____ 15,058 55 
 
Other Real Estate Owned____ 7,423 43 
 
Due from Banks in this State 3,506 66 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, -N--ic-k--e-ls-,--P-e-n--n-i-e-s-_-__-_--_ 
 
6,810 57 1,279 00 
245 00 1,476 92 
 
Advances on Cotton 
 
46,010 74 
 
Advances on other Commodi- 
 
ties --------------------- --------Checks for Clearing House __ 3,836 29 Other Checks and Cash Items 1,217 42 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances _---- __ ------------- --------Overdrafts (if any) __ - ____ - 1,413 94 
 
Other Assets ______ --------- --------- 
 
Capital Stock Paid In_- _____ $100,000 00 Amt. Reserved for Branches ________ _ 
 
Surplus Fund -------------Undivided Profits ----------- 
Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States Call Money ________________ 
 
25,000 00 14,975 14 
--------14,121 05 ________ _ ________ _ 
 
Individual Deposits Subject 
 
to Check ----------------- 233,991 44 Demand Certificates of Deposit ________ _ 
 
Time Certificates of Deposit_ 70,104 16 
 
Savings Deposits ----------- --------- 
 
Trust Funds on Deposit_ ____ --------- 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ 
 
1,440 
fi7 155,000 
 
83 
00 00 
 
Notes and Bills Rediscounted ________ _ 
 
Certificates of Deposit for 
 
Borrowed Money --------- --------Liability on Letters of Credit 
and Acceptances _________ ________ _ Reserve for Interest and Taxes ________ _ 
 
Other Liabilities ----------- --------- 
 
Total---------------------$614,689 62 TotaL ____________________ $614,689 62 
 
 226 
 
BANKING DEPARTMEKT 
 
EXAlllliNEit'S BEPOBT. 
 
ELBERT COUNTY BANK, ELBERTON. 
 
At Close of Business September 30, 1920. 
 
President-P. M. Hawes. Vice-President-H. E. Hawes. Cashier-H. R. Bynum. 
 
Directors-C. B. Thornton, \Y. 0. Hudson, J. B. Tate, D. ,J. Thornton, J. H. Beasley, D. N. Thompson, S. H. Jones, J. W. Norman, S. G. Booth, T. M. McLanahan. 
 
Date of Charter-December 21, 1919. 
 
Began Business-February 7, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$250,872 74 Capital Stock Paid In _______ $ 60,000 00 
 
Demand Loans -----------Lo~ns Secured by Real Estate Umted States Bonds ------Other Stocks and Bonds _____ Banking House . -. _. _. _____ 
 
11,955 34 12,877 74 25,000 00 --------_________ 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ 
 
----------------- 
4,373 44 --------________ _ 
 
F'urniture and Fixtures_____ 5,146 70 Due to Banks in other States --------- 
 
Other Real Estate Owned ____ --------- Call Money ---------------- --------Due from Banks in this State 14,441 44 Individual Deposits Subject 
 
DuSetatfersom.. _B. _a_n_k_s___in___o__th_e_r_ 3,614 04 Detmo anCdhCecekrtif-i-c-a-te-s--o-f-D--e-p-o-s-i-t _9_6_,_7_9_4__45_ 
 
CGuolrdren_c_y. _. -__--. -_-. -_-_-_-_-_-_-_-_-_-_-_-_-_ 5,17747 0500 TSaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_it___ _4_4_,0_6__2__90_ 
 
Silver, Nickels, Pennies.____ 1,779 17 Trust Funds on Deposit_____ ________ _ 
 
Advances on Cotton _________ Advances on other Commodi- 
ties __ . _ _ __ _ _ _ __ ___ _ __ __ _ 
Checks for Clearing House__ Other Checks and cash Items Customers' Liability on Let- 
 
--------- 
. ____ . __  5,267 03 101 75 
 
Cashier's Checks ----------- 
 
196 60 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
1 100,500 
 
00 00 
 
Notes and Bills Rediscounted 33,616 52 
 
Certificates of Deposit for 
 
Borrowed Money _________ ________ _ 
 
ate'nrcsesof_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t-_ ________  LiaanbdilitAycocnepLtaentcteerss _o_f__C_r_e_d_i_t ________ _ 
 
Overdrafts (if any) _ __ _ __ _ _ 1,113 77 Reserve for Interest and Taxes ________ _ 
 
Other Assets -------------- 2,065 55 Otl1er Liabilities ----------- ________ _ 
 
Cash Short ---------------- 
 
58 14 
 
TotaL ___________________ -$339,544 91 Total. ____________________ $339,544 91 
 
BANK'S STA'l'EMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$168,409 40 Capital Stock Paid In _______ $ 60,000 00 
 
Demand Loans ------------- 4,056 10 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 13,030 87 Surnlus Fund -------------- 
 
United States Bonds ------- 25,000 00 Undivided Profits ---------- 4,438 53 Other Stocks and Bonds_____ ________ _ Dividends Unpaid ---------- 
 
Banking House ------------ --------- Due to Banks in this State._ Furniture and Fixtures_____ 5,146 70 Due to Banks in other States Other Real Estate Owned .. _. . _____ . _. Call Money _______________ _ 
 
Due from Banks in this State 8,917 28 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
CG uo lrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
5,040 00 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 86,974 71 3,031 00 Time Certificates of Deposit_ 31,927 78 
42 50 Savings Deposits __________ _ 
 
Silver, Nickels, Pennies ____ _ 1,264 94 Trust Fund, on Deposit_ __ _ 
 
Advances on Cotton. __ . __ ._Adtvieasnce_~_ .o_n__o_t_h_e_r__C__o_m. m__o_d_i.- 
 
.. _-.-. _- ___ . _. _- 
 
CCearsthifiieerd's CChheec~kkss __-_-_-_-_-_-_-_-_-_--_ Bills Payable ------------- 
 
1,933 33 45,500 00 
 
Checks for Clearing- House __ 1,144 86 Notes and Bills Rediscounted 5,043 36 
 
Other Checks and Cash Items Overdrafts (if any) (7) ----- 
 
30 00 183 92 
 
Certificates Borrowed 
 
of Deposit for Money ________ _ 
 
Other Assets --------------One-fourth of Payment on 18 
 
520 14 Liability on Letters of Credit and Acceptances ________ _ 
 
Shares of Capital Stock 
 
Reserve for Interest and Taxes 
 
Federal International Bkg-. 
 
Other Liabilities ___ - __ - _- __ 
 
Co., $460.00. Total Rhort- 
 
age to Date, $70.14. 
 
Total---------------------$235,817 71 
 
Total _____________________ $235,817 71 
 
 FIRST ANNUAL REPORT 
 
227 
 
EXAMINER'S REPORT. 
 
ELBERTON LOAN AND SAVINGS BANK, ELBERTON. 
 
At Close of Business September 25, 1920. 
 
President-Z. C. Hayes. Vice-President-G. L. A. Almond. Cashier-J. H .Tate. 
 
Directors-J . .J. Balchin, T. F. Murray, J. R. McLanahan, Z. B. Rogers, Jas. Y. 
Swift, H. B. Lunsford, J. E. Hall, L. D. Maddox, J. ,V. Tate. 
 
Date of Charter-1886. 
 
Began Business-December 24, 1886. 
 
RESOURCES 
 
LIABILITIES 
 
'l'ime Loans ----------------$453,372 24 Capital Stock Paid In _______ $ 75,000 00 Demand Loans _ _ __ _ _ __ _ _ __ _ 12,947 21 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 10,397 00 Surplus Fund -------------- 
 
United States Bonds ________ 45,460 00 Undivided Profits __________ _ 43,257 48 
 
Other Stocks and Bonds____ 6,000 00 Dividends Unpaid _________ _ 
 
50 00 
 
Banking House ------------ --------- Due to Banks in this State __ Furniture and Fixtures _____ 10,200 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 
 
Due from Banks in this State 8, 440 10 Individual Deposits Subject 
 
D11e from Banks in other 
 
to Check ----------------- 165,358 49 
 
States ------------------- 3,358 28' Demand Certificates of Deposit Currency __________________ 1,081 00 Time Certificates of Deposit. 26,495 34 
 
Gold ----------------------Silver, NickelH, Pennies_____ 
 
82 50 Savings Deposits ---------- 25,561 96 453 37 Trust Funds on Deposit ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 2,427 29 
 
Advances on other Commodities _____________________ 
 
______ -- _ 
 
Certified Checks __________ _ Bills Payable ______________ _ 
 
171 163,500 
 
75 00 
 
Checks for Clearing House__ 
 
672 23 Notes and Bills Rediscounted 55,660 00 
 
Other Checks and Cash Items 4,980 13 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
terH of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ________________ - __ _ -- __ ----- and Acceptances ________ _ 
 
Overdrafts (if any) ________ _______ -- Reserve for Interest and Taxes 
 
Other Assets -------------Cash Short - ___ --- ____ -- __ - 
 
5 3; ~0 Other Lia,bilities ----------- 
 
Total _____________________ $557,482 31 
 
Total---------------------$557,482 31 
 
BANK'S STATEMENT at Close of Business December 15. 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$362,109 93 Capital Stock Paid In _______ $ 75,000 00 
 
Demanil Loans ------------- 3,836 75 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
12,245 45,100 
 
00 00 
 
US unrdpi vl ui ds e dF uPn dr o f-i t-s- - -_-_-_-_-_ _- _-_-_- -_ 
 
47,034 02 
 
Other Stocks and Bonos _____ 6,000 00 Dividends Unpaid _________ _ 
 
50 00 
 
Banking House ------------ --------- Due to Banks in this State __ 
 
Furniture and Fixtures _____ 10,200 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------Due from Banks in this State 9,515 91 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------Golil __ -- _-----------------Silver, Nickels, Pennies ____ _ Advances on Cotton ______ _ Ailvances on other Commoili- 
ties _-------------------Checks for Clearing House 
 
6,277 17 3,015 00 
37 50 912 31 1,174 73 
--------- 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 115,042 38 
 
Time Certificates of Deposit. 17,008 71 Savings Deposits _________ _ 33,051 72 Trust Funds on Deposit ___ _ 
 
Cashier'H Checks ----------- 
 
106 62 
 
Certified Checks ___________ Bills Payable _____________ 
 
_ _ 
 
171 116,500 
 
75 00 
 
Notes and Bills RediHcounteil 58,259 65 
 
other Checks and Cash Items 1,800 55 Certif'.ca tes of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Creilit and AcceptO vaenreiel rsa f-t s- - -( i-f- -a-n-y-)- - -_-_-_ _- _-_-_- -_ 
 
Liability on Letters of Credit and Acceptances ________ _ 
Rt>Hervt> for Interest and Taxes 
 
Otlwr As><<'ts --------------- 
 
Other Li><hilit.it>H ----------- 
 
I 
 
TotaL __________ - __________$_4_6_2_,2_2_4_8_5\ Total _____________________ $462,224 85 
 
 .. 
 
228 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF ELLAVILLE, ELLAVILLE. 
 
At Close of Business August 4, 1920. 
 
President-J. H. Stevens. Vice-President-A. C. Murray. Cashier-H. F. Dixon. 
 
Directors-J. H. Stevens, A. C..]\furray, T. A. Collnis, J. R. Jordan, H. F. Dixon. 
 
Date of Charter-September 10, 1910. 
 
Began Business-September 16, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 87,761 00 Demand Loans ---------------- 38,091 67 Loans Secured by Real Estate 1,500 00 
United States Bonds ---------- 11,350 or 
Other Stocks and Bonds _____ _ 5,000 00 Banking House -------------- 3,188 02 Furniture and Fixtures _____ _ 2,789 40 Other Real Estate Owned _____ _ 
 
Due from Banks in this State Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver, Nickels. Pennies _____ _ Advances on Cotton _________ _ 
Advances on other Commodi- 
 
41,151 96 
33,077 01 4,485 00 
170 or 
3.040 91 6,593 2r 
 
ties -------------------------Checks for Clearing House ___ _ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts-Of any) _________ _ 
Other Assets: 
 
67 67 475 32 
229 97 
 
Call Money -------------------- 25,000 00 Depositors Guarantee Fund __ 3,204 6f 
 
Capital Stock Paid in ________ $ 22,500 00 
Amount Reserved for Branches Surplus Fund ---------------Undivided Profits -------------- 15,857 20 Dividends Unpaid ------------Due to Banks in this State ___ _ Due to Banks in other States __ 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 139,759 4fi Demand Certificates of Deposit Time Certificates of Deposit -- 68,408 14 Savings Deposits ------------Cashier's Checks -------------- 5,651 10 Ce.rtifled Checks --------------Bills Payable ------------------ 15,000 00 Notes and Bills Rertiscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit, 
and Acceptances ___________ _ 
Reserve for Interest and Taxes Other Liabilities -------------- 
 
Total ------------------------$267.175 9\' Total ------------------------$267,175 90 
 
BANK'S STATEMENT at Close of Business December 15, 1920 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$101,448 9(' Capital Stock Paid in ________ $ 2fi.OOO 00 
 
Demand Loans ---------------- 6,118 Or Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate Pnited States Bonds __________ Other Stocks and Bonds ______ Banking House -------------Furniture and Fixtures ______ 
 
1,379 83 100 00 
5,000 00 3.133 02 3.083 4r 
 
Surplus fund ---------------- 
 
UndiVided P.roflts ------------ 
 
DDiuveidteondBsanUkns 
 
paid in th 
 
-----------is State____ 
 
Due to Banks in other States__ 
 
5,000 00 9,450 18 --------________ _ ________ _ 
 
Other Real Estate Owned______ ________ _ Call Money ------------------ --------- 
 
Due from Banks in this State 29,157 08 Individual Deposits Subject to 
 
Due from Banks in other States Currency ______________________ 
 
10.720 4.366 
 
o4:r> 
 
Check ---------------------- 103,836 73 Demand Certificates of Deposit ________ _ 
 
Gold -------------------------- 140 00 Time Certificates of Deposit__ 56,014 05 Silver, Nickels. Pennies ______ 1,709 60 Savings Deposits -------------- --------Advances on Cotton __________ 28,000 7f Trust Funds on Deposit________ ________ _ 
 
Advances on other Commodi 
 
Cashier's Checks ____________ 335 43 
 
ties -------------------------- --------- Certified Checks -------------- --------Checks for Clearing House __ 596 11 Bills Payable ------------------ ________ _ Other Checks and Cash Items ________ _ Notes and Bills Rediscounted ________ _ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ ________ _ rowed Money ---------------- ________ _ 
 
0verdrafts-(if any) ---------Other Assets: Depositors Guarantee Fund __ Profit ann Loss -------------- 
 
413 17 
 
Liability on Letters of Credit, and Acceptances ____________ 
 
--------- 
 
3.204 69 1.065 3:' 
 
Reserve for Interest and Taxes Other Liabilities ______________ 
 
________ _ ________ _ 
 
Total ------------------------$199.636 391 Total ------- ----------------$199,63tf 39 
 
 FIRST ANNUAL REPORT 
 
22}) 
 
EXAMINER'S B.EPOB.T. 
 
COUNCIL BANK, ELLAVILLE. 
 
At Close of Business August 3, 1920. 
 
President-J. M. Council. Cashier-J. C. Rainey. 
 
Directors-.J. M. Council, H. L. Council, J. C. Rainey. 
 
Date of Charter-December 5, 1917. 
 
Began Business-.Tanuary 2, 1918. 
 
RE:SOURCES 
 
LIABILITIES 
 
h~~e,.nr:~~a~~-================$ 
 
27,860 8,710 
 
08 86 
 
Loans Secured by Real };_:;state _ 9,000 00 llnited States Bonds ________ _ 
 
Other Stocks and Bonds_____ _ 
 
Banking House --------------Furniture and Fixtures _______ _ Other Real Estate Owned _____ _ Due from Banks in this State __ Due f,rom Banks in other States Currency ---------------------Gold ____________ --------------Silver, Nickels, Pennies _____ _ Advances on Cotton _________ _ 
Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts-Of any) _________ _ 
Other Assets ------------------ 
 
12,484 60 1,59~ Rf 3 05 208 18 8,519 10 5, 752 50 
240 gr 34 56 
 
Capital Stock Paid in __________$ 30,000 00 Amount Reserved for Branches Surplus Fund ---------------Undivided Profits -------------- 3,614 9~ Dividends Unpaid _____________ Due to Banks in this State ___ _ Due to Banks in other States__ Call Money -------------------Individual Deposits Subject to 
Check ------------------------ 42,077 34 Demand Certificates of Deposit Time Certificates of Deposit __ Savings Deposits ____________ _ Trust Funds on Deposit_ ______ _ 
Cashier's Checks ------------Certified Checks _____________ _ Bills Payable _________________ _ 
Notes and Bills Rediscounted CerrotwifeicdatMesonoefyD_e_p_o__s_it__f_o_r__B__o_r-_ 
Liabilitv on Letters of Credit, and Acceptances ___________ _ 
Reserve for Interest and Taxes Other Liabilities -------------- 
 
Total ------------------------$ 75,692 3" Total ------------------------$ 75,692 33 
 
BANK'S STATEMENT at Close of Business December 1~ 1920. 
 
RE'SOURCES 
 
LIABILITIES 
 
Time Loans __________________ $ 19.944 46 Demand Loans _______________ _ 30.641) 36 Loans S<:>cured by Real I~state 9,130 77 l'dted Stat<:>s Bonds ________ _ Other Stocks and Bonds_____ _ Banking- House ______________ _ 
 
Furniture and Fixtures _______ _ Other Real Estate Owned _____ _ Due from Banks in this State Due from Banks in other States Currency --------------------- 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-_-_-_-_ Advances on Cotton __________ _ 
 
Advances on other Commoili- 
 
ties -------------------------Creeks for Clearing House ___ _ Othe,r Checks and Cash It<ems Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts-Of any) _________ _ Othf'r Assets ________________ _ 
 
393 75 
 
Capital Stock Paid in ----------$ 30,000 00 Amount Reserved fo.r Branches ________ _ Surolus Fund ________________ ________ _ 
 
Undivided Profits _____________ 2.no 2~ Dividends Unpaid ___ __________ ________ _ 
 
Due to Banks in this State_____________ _ 
 
Due to Banks in other States 
 
Call Money -------------------Individual De.posits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit __ 
 
--------33,159 71 ________ ________ _ 
 
Savings Deposits ------------- ________ _ '!'rust Funds on DeposiL_______ ________ _ 
 
Cashier's Checks _____________ --------Certified Checks ______________ ________ _ Bills Payable __________________ 4.047 49 
 
Notes and Bills RediscountPd__ ________ _ 
 
Certificates of Deposit for Bor- rowed Money ________________________ _ 
 
Liab11ity on Letters of Creilit. and Acceptances ____________ ________ _ 
 
Reserve for lntPre~t and rraxes --------Other LiahilitiE's ______________ _ 
 
Total _ ----------------------$ 70,177 43 'l'otal ----------- ------------$ 70,177 4'' 
 
 230 
 
BANKING DEPARTMENT 
 
EXAliiJ:Illi'EB'S BEPOBT. 
 
BANK OF ELLENTON, ELLENTON. 
 
At Close of Business September 11, 1920. 
 
President-J. I. Baker. Vice-President-B. Baker. Ca.shier-L. T. Rountree. 
 
Directors-J. I. Baker, B. Baker, M. A. Chafin, J. J. Baker, J. F. Hickey, Joe 
 
. Baker, .J. J. Keigans. 
 
Date of Charter-August 31, 1911. 
 
Began Business-September 25, 1911 
 
RESOURCES 
 
LIABILITIES 
 
;';~~ea,~:t'r~ans-================$ 
 
56,809 275 
 
91 00 
 
Loans Secured by Real Estate 
 
United States Bonds _________ _ 500 00 
 
Othe.- Stocks and Bonds ______ _ 
 
Currency ---------------------- 
 
Banking House --------------- 1.600 00 Furniture and Fixtures ------ 1.500 OP Other Real Estate Owned ___ _ 
 
Due from Banks in this State __ 1,950 49 Due from Banks in other States 1.580 64 
 
Currency ---------------------GSiollvder-, --N--i-c-k-e-l-s-, ---P-e-n-n--ie--s-__-_-_-_--_ Advances on Cotton __________ _ 
 
753 OP 45 00 
12I 81 ~84 14 
 
Advances on other Commodi- 
 
ties -------------------------Checks for Clearing House ___ _ 4.530 30 Other Checks and Cash Items 166 04 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ Overdrafts (if any) __________ _ 
 
182 9fi 
 
Other Assets ------------------ 
 
13 31 
 
Capital Stock Paid In __________$ 15,000 lJ1l 
 
Amount Reserved for Branches 
Surplus Fund ----------------DUinvdiidveinddesd UPnropfaiitds _-_-_-_-_-_-_-_-_-_-_-_--_ 
 
2.000 oo 
3,089 87 
 
Due to Banks in this State___ _ 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 16,725 ~7 Demand Certificates of Deposit 1,000 00 Time Certificates of Deposit__ 9,2on ?~ 
 
Savings Deposits ------------Trust Funds on Deposit_ ______ _ Cashier's Checks _____________ _ 
 
300 95 
 
Certified Checl<:s -------------- 
 
Bills Payable ------------------ 20,000 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit, 
and Acceptances ___________ _ 
 
Rese.rve for Interest and Taxe.s 
 
Other Liabilities -------------- 3,640 50 
 
Total ________________________ $ 71,012 5' Total ________________________$ 71,012 fi~ 
 
BAN-':C'S STATJ);.MENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------* Demand TA>ans ---------------- 
 
34. 7;~;-9o 
 
o7o 
 
Loans SPcured by Real Estate 18.~72 !)O 
 
Fnited States Bonds ________ _ 500 00 
 
Other Stocks and Bonds _____ _ 
 
Ranking House --------------Furniture and Fixtures _____ .. 
 
1.600 1.500 
 
0o0r 
 
Other Real Estate Owned ___ _ Due from Banks in this State __ 
 
---~o!iu; 
 
Due from Banks in other States 
Currency --------------------Gold --------------------------Silver, Nickels. Pennies _____ _ Advances on Cotton _________ _ 
 
599 1.3?4 
 
o67r 
 
!)0 00 
 
134 or- 
 
2.337 41 
 
Advances on other Commodities 4,298 40 
 
Checks for Clearing House ____ _ Other Checks and Cash Items 
 
---887-o!i 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) ___________ _ 187 2e 
 
Other Assets: 
 
Collections -------------------- 
 
64 "' 
 
Capital Stock Pa.id In __________$ 15.000 On 
 
Amount Reserved fo.r Branches ________ _ 
 
Surplus Fund ------------------ 3.000 no Undivided Profits______________ 537 30 
 
Dividends Unpaid ------------- ________ _ Due to Banks in this Stat<e____ ________ _ 
 
Due to Banks in other State>< ________ _ 
 
Call Money -------------------- ________ _ 
 
Individual Deposits Subject to 
 
Check ---------------------Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits -----------'!'rust Funds on Deposit_________ 
 
11.126 61 1.000 ()'1\ 8.455 27 
________ _ ________ _ 
 
CCPasrthifieierd's CChheecckkss _-_-_-_-_-__-_-_-_-_-_-_-_- 
 
354 88 _ ___ _ 
 
Bills Payable ----------------- 23,000 00 
Notes and Bills Rediscounted 4.iillQ 00 
 
Certificates of Deposit fo.r Borrowed Money ---------------- ________ . 
 
Liability on Letters of Credit, and Acceptances ____________ ________ _ 
 
Reserve for Interest and Taxes ________ _ 
 
Other Liabilities -------------- --------- 
 
Total ________________________ $ 66,9741' 
- - - - - .- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - . 
 
 FIRST ANNUAL REPORT 
 
231 
 
E:X:AM:llii'EB'S BEPOBT. 
 
BANK OF ELLENWOOD, ELLENWOOD. 
 
At Close of Business August 7, 1920. 
 
President-G. T. Williamson. Vice-President-\V. G. Calloway. Cashier-E. Cowan. 
 
ni.rectors-G. '1'. Williamson, \Y. G. Calloway, E. Cowan, I. M. Burks, J. A. Calloway, \Y. R. Whitaker, n. W. Riley. 
 
Date of Charter-March 18, 1912. 
 
Began Business-March 18, 1912 
 
RESOURCES 
 
LIABILIT~ES 
 
Time Loans ------------------$ 60,910 Sb Demand Loans --------------- 4,045 80 Loans Secured by Real Estate TJnited States Bonds _________ _ 
 
Othe.r Stocks and Bonds _____ _ Ha nking House ______________ _ 
Furniture and Fixtures _____ _ 
Due from Banks in this State Due from Banks in other States 
Currency --------------------Silver ------------------------Silve.r, Nickels. Pennies _____ _ Advances on Cotton _________ _ 
Checks for Clearing House. other Checks and Cash Items 
Customers' Liability on Letters of Credit and Acceptances __ 
Overdrafts (if any) _________ _ 
 
4,234 85 2.000 00 
850 00 7,692 69 
70 98 600 00 903 65 
25,509 01 
1,711 01 
 
Other Assets ----------------- 
 
Capital Stock Paid In __________$ 15,000 00 
 
Amount Reserved for Branches Surplus Fund ________________ _ 
 
--3~oii5-oo 
 
Undivided Profits ____________ _ 10,750 84 Dividends Unpaid ____________ _ 
 
Due to Banks in this State ___ _ 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits .Subject to 
 
Check ----------------------- 44,997 58 Demand Certificates of Deposit Time Certificates of Deposit__ 22,197 ~~ Savings Deposits ____________ _ 
 
Cashier's Checks -------------- 582 50 
 
Certified Checks -------------Bills Payable -------------- ___ _ 12,000 00 Notes and Bills Rediscounted __ 
 
c.,rtificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit, 
and Acceptances ___________ _ 
 
Reserve for Interest and Taxes Other Liabilities _____________ _ 
 
Total -----------------------$108,528 &t Total -----------------------$108,528 b5 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __________________ $ 40.015 2r Demand Loans ________________ _ 10,025 59 
 
Loans Secured by Real Estate TTnited States Bonds ________ _ 4,2'34 85 Other Stocks and Bonds ______ _ 
 
Banking House --------------Furniture and Fixtures _____ _ 
 
2.000 1}0 
8fi0 oc 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State 6,962 93 
 
Due from Banks in other States Currency ---------------------- 
 
7\f 41l7 
 
n9o8 
 
Gold --------------------------Silve,r, Nickels, Pennies _____ _ 241 02 Advances on Cotton __________ _ 26,568 47 
 
Advances on other Commodi- 
 
. ties -------------------------Che.cks for Clearing House ___ _ 
 
Other Checks and Cash Items __ 
 
Customers' Liability on Letters of Credit and Acceptances __ 
Ov<>rdrafts (if any) ___________ _ 
 
453 89 
 
Other Assets ------------------ 
 
Capital Stock Paid Jn __________ $ 15.000 00 Amount Reserved for Branches Surplus Fund ________________ _ 3.000 00 Undivided Profits _____________ _ 10,787 71 Dividends Unpaid ____________ _ 
 
Due to Banks in this State ___ _ 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 22.908 03 Demand Certificates of Deposit Time Certificates of Deposit__ 16.347 87 Savings Deposits ____________ _ 
 
Trust Funds on Deposit_ ______ _ Cashier's Checks ____________ _ C<>rtified Checl<s _____________ _ 
 
66 32 
 
Bills Payable ----------------- 23,800 00 Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities _____________ _ 
 
Total ________________________ $ 91.909 9:; Total ----------------------.-$ 91.909 9~ 
 
 232 
BANKING DEPAHTMENT 
 
EXAMINER'S REPORT. 
 
BANK OF ELLIJAY, ELLIJAY. 
 
At Close of Business .July 13, 1920. 
 
President-Sam Tate. Vice-President-R. L. McClain. Cashier-E. T. Hudson. 
 
Directors-Sam Tate, R. L. McClain, E. T. Hudson, Miss Rebia Allen. 
 
Date of Charter-May 21, 1914. 
 
Began Business-June 1. 1Ul4. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLd oLanosans---_-_-_-_-_-_-_-_--_-_-_-_-_-_-_$_204.326676 1299 
 
Loans Secured by Real Estate 6,313 50 
 
Fnited States Bonds ---------O'ther Stocks and Bonds________ 
 
21,0:m3o3 
 
o? 
00 
 
Banking House ---------------- ________ _ 
 
Furniture and Fixtures _______ 2,292 70 
 
Capital Amount 
 
Stock Paid In_________ $ Reserved for Branches 
 
15.000 
 
00 
 
Surplus Fund ________________ _ Fndivided Profits ____________ _ Dividends l..'npaid ____________ _ 
 
2.117 22 5,311 40 
 
Due to Banks in this State __ _ 
 
Other Real Estate Owned ____ --------- Due to Banks in other StateH 
 
Due from Banks in this State Due from Banks in other States 
 
60,469 l4,3lfi 
 
3fi7~ 
 
Call Money -------------------Individual Deposits Subject to 
 
CUirrency ---------------------Gold -------------------------Silver, Nickels, Pennies _______ 
 
12,756 00 D35 Oo 838 49 
 
Check ----------------------Demand Certificates of Deposit 
 
158,911 
 
76 
 
Time Certificates of Deposit__ 135,063 94 
 
Advances on Cotton _________ _ Advances on other Commodi- 
ties __________________________ Checks for Clearing House____ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overrlrafts (if any) __________ 
Other Assets ----------------- 
 
--------________ _ 
339 2~ 
________ _ ________ _ ________ _ 
 
Savings Deposits ------------Cashier's Checks _____________ _ Certified Checks _____________ _ BiBs Payable ________________ _ 
-Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money _______________ _ 
Liability on Letters of Credit and Acceptances ___________ _ 
Rese.rve for Interest and Taxes 
 
7,778 63 44 08 
 
Other Liabilities _____________ _ 
 
031 Total ------------------------$324.227 
 
Total ------------------------$324,22'7 03 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ___________________ $209.fi15 59 Demand Loans _______________ 775 00 
I oans Secured by Real Estate 12 580 00 United States Bonds __________ 21.746 36 Other Stocks and Bonds_______ 300 00 Banking House ________________________ _ 
 
Capital Amount 
 
Stock _________________ $ Reserved for Branches 
 
15.000 
 
00 
 
USunrdpilvuisdedFuPnrdof-it-s---_-_-_-_-_-_-_-_-_-_-_-_-_. Dividends Unpaid ____________ _ 
 
2.117 22 5,564 42 
 
Furniture and Fixtures _______ Othe.r Real Estate Owned 
 
2.292 70 ________ _ 
 
Due to Banks in this State __ _ Due to Banks in other States 
 
Due from Banks in this State Due from Banks in other States 
GCoulndren__.c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
34,123 50 528 f'O 
12,384720' 0000 
 
Call Money -------------------- 
 
Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit 
 
147,810 
 
20 
 
Silver, Nickels, Pennies________ 556 61 Advances on Cotton __________________ _ Advances on other Commodi- 
ties __________________________ --------Checks for Clearing House____ ________ _ 
 
Time Certificates Savings Deposits 
 
of Deposit__ ____________ _ 
 
126,309 
 
49 
 
Trust Funds on Deposit_ ______ _ 
 
Cashier's Checks ____________ _ Certified Checks _____________ _ Bills Payable ________________ _ 
 
983 02 14 66 
 
Othe.r Checks and Cash Items 2.f68 75 Customers' Liability on Letters 
of Credit and Acceptances __________ _ Overdrafts (if any) __________ ________ _ 
 
Notes and Bills Rediscounted __ Certificates of Deposit fo-r Bor- 
rowed Money _______________ _ 
 
Other 
 
Assets 
 
----------------- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ___________ _ 
 
Reserve for Interest and Taxes Other Liabilities _____________ _ 
 
Total ------------------------$297.799 01 
 
Total ------------------------$297,799 01 
 
 FIRST ANNUAL REPORT 
 
233 
 
~- ---- - - - - - - - - - - - - - - - - - - - 
 
EXAMINER'S REPORT. 
 
THE BANK OF ENIGMA, ENIGMA. 
 
At Close of Business September 20, 1920. 
 
President-E. F. Bussey. Vice-President-A. N. Dean. Cashier-F. P. Williams. 
 
Diredors-E'. F. Bussey, B. H. McLeod, James McMillan, A. N. Dean, E. P. Bowen, 
 
P. P. Williams, B. H. DormineY. 
 
JJate of Charter-March 20. 1920. 
 
Began Business-March 22, 1920. 
 
REJSOURCES 
 
LIABILITIES 
 
b~%"an~0t~~ns-================$ 
 
32,571 1,990 
 
98 00 
 
Loans Secured by Real Estate 
 
United States Bonds _________ _ 
 
Other Stocks and Bonds _____ _ Banking House ______________ _ 2.034 87 
Furniture and Fixtures ______ _ 1,140 er 
 
Other Real Estate Owned ___ _ --------- 
 
Due from Banks in this State 5,012 17 
 
Due from Banks in other States 2,058 91 
 
Currency ---------------------Gold --------------------------- 
 
1.567 105 
 
0oo0 
 
Silver, Nickels, Pennies ______ _ 3>88 10 Advances on Cotton __________ _ 1.051 84 
 
Advances on othe.r Commodities 
 
Checks for Clearing House ___ _ 2, 986 52 
 
Other Checks and Cash Items __ 
 
Customers' Liability on Letters of Credit and Acceptances __ 
Overdrafts (if any) _________ _ 
 
Other Assets: Depositors' Guarantee Fund __ _ 2, 702 70 Mutual Fire Insurance _______ _ 120 00 
 
Capital Stock Paid In __________$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ---------------T:ndivided Profits ____________ _ 1,682 98 
 
Dividends Unpaid ------------Pue to Banks in this State __ _ 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ 
 
25,395 30 10,479 37 
 
Savings Deposits ------------'l'rust Funds on Deposit_ ______ _ 
 
Cashier's Checks ------------- 1.171 44 
 
CBielrltsifiPedayaCbhleeck_s__-_-_-_-_-_-_-__-_-_-_-_-_--_ 
 
Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ________________________ $ 53,729 09 Total ------------------------$ 53,729 Of 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
REJSOURCES 
 
LIABILITIES 
 
Time Loans ___________________ $ 29,506 77 
 
Demand Loans ---------------- 5,500 00 
 
Loans Secured by Real Estate 
 
Unit<>d States Bonds _________ _ 
 
Other Stocks and Bonds _____ _ 
 
Banking House ______________ _ Furniture and Fixtures ______ _ 
 
2,034 1.140 
 
8o7c 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State 4,436 8n 
 
Due from Banks in other States Cunre~ncy ____________________ _ Gold --------------------------Silver, Nickels. Pennies_______ _ Advances on Cotton __________ _ 
 
1,]66 74 
 
250 105 
 
0o0n 
 
450 OR 
 
1.300 00 
 
Advances on othe.r Commodities 
 
Checks fo.r Clearing House __ _ 
 
IJther Checks and Cash Items 2.9fl9 0~ 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts (if any) _________ _ 
 
Other Assets ----------------- 
 
Capital Stock Paid In __________$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits _____________ _ 
 
31)8' 86 1,393 61 
 
Dividends Unpaid ------------ Due to Banks in this State __ _ 
 
Due to Banks in other States 
 
Call Money ------------------Individual Deposits Subject to 
 
 Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits _____________ 
 
8,377 70 
 
Trust Funds on Deposit_ _______ 
 
Cashier's Checks ____________ _ Certified Checks _____________ _ 
 
494 87 
 
Bills Payable ----------------- 7,500 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money --------------Uability on Letters of Credit 
 
and Ac-ceptances -----------Reserve for Interest and Taxes 
 
Other TJiabilities -------------- 
 
Total ------------------------$ 48.889 37 Total ------------------------$ 48,889 37 
 
 ?34 
 
BANKING DEPARTMENT 
 
E:X:AMINEB'S BEPOBT. 
 
BANK OF ETON, ETON. 
 
At Close of Business September 7, 1920. 
 
President-C. C. Keith. Vice-President-S. A. Brown. Cashier-H. R. .James. 
 
Directors-C. C. Keith, S. A. Brown, H. R. .James, W. M. Harris, F. :\L .Jones, 
 
.J. H. Keith, R. H. Tyler. 
 
Date of Charter-May 23, 1910. 
 
Begar Business-September 1, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 50,309 55 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
756 63 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 15,673 99 Surplus .Fund -------------- 3,359 67 
 
United States Bonds -------Other Stocks and Bonds ____ _ Banking House ___________ _ 
 
3,300 00 DUinvdiidveinddesd PUrnopfiatisd --_-_-_-_-_-__-_-_--_ Due to Banks in this State __ 
 
1,214 40 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
2,000 00 DCaulel tMo oBnaenyks__i_n__o_t_h-e_r_ S- _t_a_t_es_ 
 
Due from Banks in this State 4,503 98 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------CGuorldren_c_y___-_-_-_-_------- -_-__------_-_-_-_---Silver, Nickels, Pennies _____ _ Advances on Cotton ________ _ 
 
141 zs DetomaCnhdeCckert-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
1,179 00 Time Certificates of Deposit 662 50 Savings Deposits ----------550 99 Trust Funds on Deposit ___ _ Cashier's Checks __ ------- __ 
 
34,540 76 29,979 12 
 
Advances on other CommodiChteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ 
 
Certified Checks ___ --- _____ _ Bills Payable _____ --- _____ _ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
47 50 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f -t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_-_-_ -_ 
 
and Acceptances ------ __ _ 4,961 96 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
6 57 Other Liabilities __ --------- 
 
Total --------------------$84,093 95 Total --------------------$ 84,093 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITlES  
 
Time Loans __ -- _-- _________ $ 35,071 14 
 
Demand Loans --- _________ _ 
 
759 97 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
27,482 56 3,650 00 
 
Other Stocks and Bonds ____ _ 
 
Capital Stock Paid In _______ $ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 3,359 67 
 
Undivided Profits __ --------- 
 
43 15 
 
Dividends Unpaid _--------- 
 
43 20 
 
Banking House ------------ 
 
Due to Banks in this State_- 
 
Furniture and Fixtures ____ _ 2,000 00 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 
 
Call Money __ - _-- _-- _- _- __ _ 
 
Due from Banks In this State 3,983 61 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------CGuo lrdr e n_c_y_ _ _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
141 28 Detmo aCnhdeCckert-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 1,188 00 Time Certificates of Deposit 
662 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies _____ _ 
 
71 93 Trust Funds on Deposi L---- 
 
Advances on Cotton _______ _ 10,364 84 Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
Chteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u--se--__- 
 
Bills Payable _____ --------- _- ______ Notes and Bills Rediscounted 
 
28,815 33 27,111 08 
12,000 00 
 
Other Checks and Cash Items 
 
70 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - -( i-f- -a-n-y-)- - -_-_-_-_ _-_-_- -_ Other Assets _---- _________ _ 
 
and Acceptances --------987 90 Reserve for Interest and Taxes 
Other Liabilities ----------- 
 
Total --------------------$ 86,372 43 Total --------------------$ 86,372 43 
 
 i---- -----\ 
 
FIRST ANNUAL REPORT 
 
235 
 
EXAllii:Ilii'EB/S BEPOBT. 
 
BANK OF CAMPBELL COUNTY, FAIRBURN. 
 
At Close of Business November 9, 1920. 
 
,V. President-C. R. Harvey. Vice-Presidents-J. L. Brassell, J. A. Jones. 
 
Cashier-H. 
 
Jones. 
 
Directors-C. R. Harvey, J. L. Brassell, J. A. Jones, J. H. McClure, H. W. Cook, R. 0. Tarpley, M. R. Nixon, C. C. Smith. 
 
Date of Charter-November, 1911., 
 
Began Business-November, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$533,677 89 Capital Stock Paid In ________ $1 00,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
_2_5_,1__0_4__23_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--------5,000 00 
 
United States Bonds _______ Other Stocks and Bonds_____ 
 
2,100 00 10,600 00 
 
DUinvdiidveinddesd PUrnopfiatisd --_-__-_-_-_-_-_-_--- 
 
_2_2_,1__7_8__23_ 
 
Banking House------------- 11,000 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures _____ Other Real Estate Owned ____ 
 
~.~12 00 --------- 
 
Due to Banks in other States Call Money ________________ 
 
________ _ ________ _ 
 
Due from Banks in this State 7,726 05 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ _-_ -_ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton--------A dtvi easn c-e_s_ _o_n_ _o_t_h_e_r_ _C_o_ m_ _m_ _o_d_i -_ Checks for Clearing House__ Other Checks and Cash Items 
 
3,750 3,907 
 
11 
oo 
 
132 50 
 
1,924 30 
 
4,581 00 
 
________  ________  
] ,] 86 91 
 
to Check ----------------Demand Certificates of Deposit 
 
2_2_8_,1_0_8___04_ 
 
Time Certificates of DeposiL _ 76,376 57 
 
Savings Deposits ----------- 
 
239 74 
 
Cashier's Checks ----------Certified Checks ___________ _ 
 
366 36 43 52 
 
Bills Payable _-- __ - __ - _____ - 150,000 00 
 
:\!otes and Bills Rediscounted 2G, 600 00 
 
CeBrtoifrircoawteesd .MofoneDyep_o_s_i_t__f_o_r_ ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesof_ _C_r_e_d_i_t_ _a_n_d_ _A__c_c_e_p_t_- 
 
________ _ 
 
and Acceptances ________ Reserve for Interest and Taxes 
 
----- _- __ ________ _ 
 
OO tvheerrd rAa fstsse t s( i f_ _a_n_y_)_ _ _-_- _- -_ -_ -_-_-_ 
 
______9__96_ 
 
Other Liabilities: Cash long ----------------- 
 
699 49 
 
Total --------------------$608,611 95 Total --------------------$608,611 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$509,960 Demand Loans ------------- 22,174 
 
76 85 
 
Capital Stock Paid In ________ $100,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 5,000 00 
 
United States Bonds _______ 
 
100 00 Undivided Profits ----------- 21,452 65 
 
Other Stocks and Bonds_____ 10,600 00 Dividends Unpaid----------- --------- 
 
Banking House ------------Furniture and Fixtures _____ 
 
11,000 00 2,912 00 
 
Due to Banks in this State __ Due to Banks in other States 
 
--------________ _ 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- --------- 
 
Due from Banks in this State 10,612 27 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 228,495 80 
 
States ------------------- 3,162 92 Demand Certificates of Deposit - ___ - _--- 
 
CGuorldren_c_y__ -- -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ __6_,4_2_2___00_ TSiamviengCserDtiefipcoasteitss o_f_D__e_p_o_s_i_L_-_ _7_3_,7_6_8___84_ 
 
Silver, Nickels, Pennies _____ Advances on Cotton -------Adtvieasnc_e_s_ -o_n__o_t_h_e_r__C__om- _m__o_d_i_- 
Checks for Clearing House__ Other Checks and Cas11 Items Customers' Liability on Let- 
atenrcsesof__C_r_e_d_i_t__a_n_d__ A--c-c-e-p-t-- 
OOtvheerrdrAafstssets(if_ _a_n_y_)__-_-_-_-_-_-_-_-_ 
 
966 31 7,169 70 ________ _ _ _______ _ ________ - 
________ _ _- -_ -_ _- _- _-_-_- -_ 
 
Trust Funds on Deposit_ ___ - --------- 
 
Cashier's Checks ___________ - 
 
452 09 
 
Certified Checks ___________ - --------- 
 
Bills Payable -------------- 145,000 00 Notes and Bills Rediscounted 10,911 43 
 
Certificates of Deposit for 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
and Acceptances ---------- --------Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$585,080 81 Total --------------------$585,080 S1 
 
 236 
 
BANKING DEPARTMENT 
 
E:XAMINEB.'S B.EPOB.T. 
 
FAIRBURN BANKING COMPANY, FAIRBURN. 
 
At Close of Business November 6, 1920. 
 
President-J. H. Longino. Vice-President-L. M. Hobgood. 
 
Cashier-George Edmondson. 
 
Directors-.). H. Longino, L. M. Hobgood, George Edmondson, J. \V. Cro.w, M. R. 
 
Redwine, G. .J. Hearn. 
 
Date of Charter-1891. 
 
Began Business-1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$207,194 84 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 8,500 00 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund -------------United States Bonds ______ 36,900 00 Undivided Profits ----------- 
 
6,420 12 
 
OBathnekrinSgtocHkoRusaend_ _B_o_n_d_s___________ 
 
_ _2_,5_2_5___00_ 
 
Dividends Unpaid----------Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned.___ 
 
2,350 oo 
3,317 54 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 9,973 45 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
________ _ Detmo aCnhdeckCe-rt-i-f-ic-a-t-e-s---o-f--D--e-- 190,377 7.J 
 
Currency ------------------Gold ----------------------- 
 
4,197 00 ________ _ 
 
TipmoesiCt e-r-t-if-i-c-a-te-s--o--f -D--e-p-o-s-i-t-. 
 
54,677 99 
 
Silver, Nickels. Pennies _____ 
 
334 79 Savings Deposits __________ _ 
 
Advances on Cotton _________ --------- Cashier'R Checks __________ _ 
 
228 40 
 
Advances on other Commodi- 
 
Certified Checks ________ - __ _ 
 
ties ---------------------- ________ _ Bills Payable -------------- 20,000 00 Cheek:-;; for Clearing House ___ ________ _ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 4,fi 12 64 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
atenrcsesof_ _C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Overdrafts (if an;) --------- 21,517 90 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
22,954 71 
 
Other Liabilities __________ _ Cash Long ________________ _ 
 
22,571 55 2 07 
 
Total --------------------$324,277 87 Total --------------------$324,277 87 
 
BANK'S STATEMEJ\'"T at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$180,107 26 Capital Stock Paid In _______ $ 34,120 00 
 
Demand Loans ------------- 11,403 28 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ______ 
 
19,659 81 36,900 00 
 
USunrdpivluidsedFuPnrdofi-t-s --_-_-_-__-_-_-_-_-_--_ 
 
5,952 39 
 
Other Stocks and Bonds.____ 2,525 00 Dividends Unpaid----------- 
 
Banking House------------- 7,153 34 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned.___ 
 
2,350 00 3,317 54 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 5,280 18 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
GCoulrdren_c_y__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ Silver, Nickels, Pennies _____ _ Advances on Cotton _______ -_ 
 
915 09 
1,847 00 12 50 
638 49 14,224 26 
 
Det~oa_CndhecCk e-rt-i-f-ic-a-t-e-s- 
 
- 
 
--of 
 
---De- 
 
177,795 
 
21 
 
TipmoesitCe-r-t-if-i-c-a-t-e-s -o--f-D--e-p-o-s-i-t-. 48,456 81 Savings Deposits __________ _ 
 
Trust Funds on Deposit_ ___ _ 
 
Advances on other CommodiC htei ecsk s -f-o-r- -C- l-e-a-r-i-n-g- -H- o- -u-s-e-. _-_- 
 
-_-_-_-__-_- ------ 
 
CaRhier's Checks __________ _ Certified Checks ___________ _ Bills Payable ______________ _ 
 
753 9fi 20,000 00 
 
Other Checks and Cash Items 
 
773 67 I\"otes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Mon(\y ________ _ 
 
O 
 
vaenrcdersa 
 
f 
 
-~------------------ 
ts (if any) _______ _ 
 
________ _ 68 42 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Other Assets _-------- __ ---- --------- Reserve for Interest and Taxes 
 
Other Liabilities------------ 
 
97 48 
 
Total --------------------$287,175 84 Total --------------------$287,175 84 
 
!. 
 
 \ 
 
FIRST ANNUAL REPORT 
 
237 
 
EXAllllllii"EB.'S B.EPOBT. 
 
FAIRMOUNT BANK, FAIRMOUNT. 
 
At Close of Business Septembe.r 8, 1920. 
 
President-Mrs. Edna F. Tate. Vice-President-G. \V. Hamrick. Cashier-Miss Maude Erwin. 
 
Directors-Miss Maude Erwin, R. T. Hamrick, R. L. Rogers, G. \V. Hamrick, Mrs. Edna F. Tate. 
 
Date of Charter-October 12, 1913. 
 
Began Business-November 5, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
 
86,180 14,847 
 
44 87 
 
Capital Stock Paid In- ______ -$ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 7,783 27 Surplus Fund ______ -------- 3,000 00 
 
United States Bonds-------- 
 
Undivided Profits ___ - _------ 14,723 83 
 
Other Stocks and Bonds ____ _ Banking House ____________ _ 
 
--------2,000 00 
 
Dividends Unpaid----------Due to Banks in this State_- 
 
Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ 
 
1,800 2,000 
 
0000 
 
CDaulel MtooBneaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 26,500 00 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
CG oulrdr e n_c_y_ _ _-_-_- -- -------------- -_-_-_-__-_-_- -_ 
 
26,055 27 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o--s-it 
 
6,957 630 
 
00 00 
 
Time Certificates of DeposiLSavings Deposits __________ - 
 
68,455 95 77,858 70 
 
Silver, Nickels, Pennies _____ _ Advances on Cotton _______ - 
 
513 11 Trust Funds on Deposit ____ _ Cashier's Checks __ - _------- 
 
373 66 
 
Adtvieasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- 
 
Certified Checks ______ - _---Bills Payable--------------- 
 
Checks for Clearing House __ _ 
 
;-..)otes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
15 62 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ - _---- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaf-ts--(-i-f-a-n-y--) --- -_-_-_-_-__-_--_ 
 
and Acceptances ______ --294 06 Reserve for Interest and Taxes 
 
Other Assets ------ _______ _ 3,201 05 Other Liabilities ______ ------ 
 
115 55 
 
Liberty Bonds Held for Cus- 
 
tomers ------------------- 
 
750 00 
 
Total --------------------$179,527 69 Total --------------------$179,527 69 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _-- _-- _________ -$ Demand Loans ____________ _ Loans Secured by Real Estate 
 
96,109 15,282 
7,712 
 
24 64 
50 
 
Capital Stock Paid In ________ $ 15,000 00 SAumrtp.luRs eFseurnvded___fo__r __B_r_a_n_c_h__es- 7,500 00 
 
UnFioterdCSutsattoems eBrson_d_s_:_______ _ 
 
Undivided Profits ___ -------- 5,912 13 750 00 Dividends Unpaid ____ ------- 
 
Other Stocks and Bonds ____ _ 
 
125 00 Due to Banks in this State __ 
 
Banking House - _-- ________ _ 2,000 00 Due to Banks in other States 
 
Furniture and Fixtures------ 1,800 00 Call Money----------------- 
 
Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ---"--------------Currency ------------------GSiollvder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-__--_ 
 
2,000 00 Individual Deposits Subject 5,000 00 to Check ----------------- 
Demand Certificates of Deposit 9,816 78 Time Certificates of DeposiL _ 7,625 00 Savings Deposits ----------- 
640 00 Trust Funds on DeposiL---458 65 Cashier's Checks _---------- 
 
63,363 63 51,495 17 
346 30 
 
Advances on other CommodiC htei ecsk s -f-o-r- -C- l-e-a-r-i-n-g- -H-o- -u-s-e-_-_ -_ 
 
Certified Checks ____ ----- _-Bills Payable--------------- 10,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
507 26 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_-_ _- -_ 
 
and Acceptances ---------704 66 Reserveforinterestand Taxes 
 
Other Assets: 
 
. 
 
Other Liabilities: 
 
Witham's Fire Insurance ___ _ Depositors' Guarantee Fund_ 
 
120 3,081 
 
00 05 
 
Customers' Liability on Liberty Bonds ____________ - -___1_1_5_5_5 
 
Total -------~------------$153,732 78 Total --------------------$153,732 78 
 
 238 
 
BANKING DEPARTMENT 
 
EXAM:Ilii'EB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, FAYETTEVILLE. 
 
At Close of Business November 4, 1920. 
 
President-J. \V. Wise. Vice-President-vV. \V. Redwine. Cashier-C. D. Redwine. 
 
Directors-J. \V. Wise, W. W. Redwine, C. D. Redwine, S. A. Burks, J. H. Ste- 
 
phens, E. M. Travis, John M. Jackson, J. \Y. Adams, H. P. Redwine. 
 
Date of Charter-February 16, 1906. 
 
Began Business-March 13, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$196,978 23 Demand Loans ---------------- 21,373 75 Loans Secured bY Real Estate ________ _ United States Bonds___________ 1,975 00 
 
Other Stocks and Bonds ______ --------- 
 
Banking House -------------- 2,191 29 Furniture and Fixtures________ 3,191 46 
 
Other Real Estate Owned ____ --------Due from Banks in this State 17,477 06 
Due from Banks in other States --------Currency ---------------------- 3,978 00 
 
SSiillvveerr, N--i-c-k-e-l-s-, --P-e-n-n-i-e-s-_-_-_-_-_-_-_-_- __1_.0__4_8__3\_ 
 
Advances on Cotton ---------- 35,566 92 
 
Advances on other Commodities 2,117 07 
 
Checks for Clearing House___ 1,448 73 
 
Other Chec\<:s and Cash Items 786 39 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ ________ _ 
 
Overdrafts (if anY) ___________ _ 5,665 27 
 
Other Assets ----------------- 358 83 
 
Cash Short ------------------- 
 
11 26 
 
Capital Stock Paid In __________$ 25,000 00 
Amount Reserved for Branches --------Surplus Fund ----------------- 25,000 00 Fndivided Profits ------------- 10,457 14 Dividends Unpaid ------------- ________ _ Due to Banks in this State___ ________ _ Due to Banks in other States ________ _ 
Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 111,453 64 Demand Certificates of Deposit --------Time Certificates of Deposit__ 51,613 86 
Savings Deposits ------------- --------Cashier's Checks -------------- 642 92 Certified Checks -------------- --------Bills Payable ------------------ 70,000 00 Notes and Bills Rediscounted__ ________ _ Certificates of Deposit for Bor- 
rowed Money --------------- ________ _ Liability on Letters of Credit 
Reasned,rveAcfocer pItnatnecreesst--a-n-d--T--a-x-e--s -_-__-_-_-_-_-_--_ 
Other Liabilities -------------- --------- 
 
Total ------------------------$294,167 56 Total ------------------------$294,167 5i> 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __________________ $132,853 37 
 
Demand Loans ---------------Loans Secured by Real Estate United States Bonds___________ 
Other Stocks and Bonds -----Banking House -------------Furniture and Fixtures________ 
Other Real Estate Owned ____ Due from Banks in this Shute Due from Banks in other States 
 
45,768 16 36,35R 64 1,975 00 
--------2,191 29 3,191 46 
--------20,183 27 
8,280 9f 
 
Currency ---------------------- 1,663 00 Gold --------------------------- ________ _ Silver, Nickels, Pennies________ 718 00 
Advances on Cotton ---------- 33,665 71 Advances on other Commodities ________ _ 
Checks for Clea.ring House___ --------Other Checks and Cash Items__ 1,353 34 Customers' Liability on Letters 
of Credit and Acceptances__ ________ _ 
 
Overdrafts (if anY) ----------- 4,802 30 Other Assets ------------------ --------- 
 
Capital Stock Paid In__________$ 25,000 00 Amount Reserved for Branches ________ _ 
Surplus Fund ----------------- 25,000 00 Undivided Profits -------------- 9,176 94 Dividends Unpaid ------------- --------Due to Banks in this State___ 771 79 Due to Banks in other States ________ _ 
Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 111,563 63 Demand Certificates of Deposit --------Time CertificatE\S of Deposit__ 50.261 a1 Savings Deposits ------------- --------Trust Funds on Deposit________ --------Cashier's Checks -------------- 1,230 82 Certified Checks -------------- --------Bills Payable ----------------- 70,000 00 Notes and Bills Rediscounted__ ________ _ Certificates of Deposit for Bor- 
rowed Money --------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$293,004 4P Total ------------------------$293,004 49 
 
 \ 
 
FIRST ANNUAL REPORT 
 
239 
 
EXAllllll'I'EB.'S B.EPOB.T. 
 
BANK OF FINLEYSON, FINLEYSON. 
 
At Close of Business October 13, 1920. 
 
l'resident-J. W. Conner. Vice-Presidents-R. L. Scarbrough, W. E. Finleyson. Cashier-C. Finleyson. 
Di,rectors-J. W. Conner, R. L. Scal!'brough, \Y. E. Finleyson, G. A. Nelson, J. L. Finleyson. 
 
Date of Charter-September 20, 1910. 
 
Began Business-September, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
6~~ean~o~an~-===============-$ 41,0~~ ~5 
 
Loans Secured by Real Estate 11,000 00 United States Bonds __________ 1,700 00 Othe.r Stocks and Bonds______ ________ _ 
 
Banking House --------------- 1,260 00 Fu-rniture and Fixtures _______ 1,530 OA 
 
Other Real Estate Owned --~- --------Due from Banks in this State 2,271 07 
 
Due from Banks in other States --------- 
 
Currency ---------------------- 2,221 00 
 
Gold --------------------------- 
 
25 00 
 
Silver, Nickels, Pennies _______ _ 3f2 91 
 
Advances on Cotton _________ _ 16,624 49 
 
Advances on othe.r Commodities --------- 
 
Checks fo.r Clearing House___ --------- 
 
Other Checks and Cash Items__ --------- 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __  --------- 
 
Overdrafts (if any) ------------ 2,828 33 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid In __________$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits -------------- 12,57& 97 Dividends Unpaid ------------Due to Banks in this State __ _ 
 
Due to Banks in other States __ 
 
6l! 85 
 
Call Money ------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits ------------Trust Funds on Deposit _____ _ 
 
35,290 51 1,544 74 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable ------------------ 15,000 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money --------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve fo.r Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ &0.8114 1~ Total ------------------------$ 80,884 1~ BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ___________________$ 45,068 93 
 
Demand Loans ---------------Loans Secured by Real Estate 
 
-6~40'r:ii< 
 
United States Bonds ---------- 1,700 00 Other Stocks and Bonds_____ _ 
 
Banking House --------------Furniture and Fixtures ______ _ 
 
1,260 1,530 
 
0o0r 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State 2,770 15 Due from Banks in other States 4. 768 47 
 
Currency ---------------------GRiollvder,--N--i-c-k-e-l-s-. --P-e-n-n--ie--s-_-__-_-_-_-_--_ Advances on Cotton ___________ _ 
 
1, 708 00 
25 00 316 03 9,878 99 
 
Advances on other Commodities Checks for Clearing House __ _ 
 
Other Checks and Cash Items __ 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ Overdrafts (if any) ___________ _ 1,437 61 
 
Other Assets ------------------ 
 
Capital Stock Paid In __________$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits ------------- 12,857 3F> Dividends Unpaid ------------Due to Banks in this State __ _ 
 
Due to Banks in other States 
 
Call Money ------------------Indlviduat Deposits Subject to 
 
Check ----------------------- 22,773 73 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
-i545-74 
 
Savings Deposits ------------Trust Funds on Deposit -----CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
286 36 
 
Bills Payable ------------------ 18,000 00 Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
rowed Money --------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities -------------- 
 
Total ________________________ $ 70,463 lF Total ------------------------$ 70,463 18 
 
 240 
 
BANKING DEPARTMENT 
 
EXAliiii.NEB'S BEPOBT, 
 
BANK OF FLOVILLA, FLOVILLA. 
 
At Close of Business September 14, 1920. 
 
President-F. S. Etheridge. Vice-President-F. M. Lawson. Cashier-J. T. Gibson. 
 
Directors-F. S. Etheridge, F. M. Lawson, E. L. Lawson, B. A. Wright, A. F. White. 
 
Date of Charter-October 2, 1906. 
 
Began Business-November 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
j';~~"an~0'E,"ans-================$ 
 
58,084 5,693 
 
35 21 
 
Loans Secured by Real Estate 
 
United States Bonds --------- 2,000 00 Othe.r Stocks and Bonds_____ _ 
 
Banking House --------------Furniture and Fixtures ______ _ Other Real Estate Owned_____ _ Due from Banks in this State Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies ______ _ Advances on Cotton _________ _ 
 
1,250 00 1, 554 84 1,142 70 44,061 86 
1,892 89 3,100 00 
87 50 907 96 
 
Advances on other Commodities Checks for Clearing House__ _ Othe,r Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts (if any) _________ _ 
 
1,202 43 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ---------------- 7,500 00 Undivided Profits -------------- 3,021 20 
 
Dividends Unpaid ------------Due to Banks in this State __ _ 
 
Due to Banks in other States 
 
Call Money ------------------Individual Deposits Subject to 
 
Check ----------------------- 78,362 67 Demand Certificates of Deposit 
 
Time Certificates of Deposit__ 16,500 31 
 
Savings Deposits ------------- 
 
Cashier's Checks ------------- 
 
93 56 
 
Certified Checks -------------- 
 
Bills Payable ----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money --------------- 
 
Liability qn Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities _____________ _ 
 
Total ------------------------$120,977 74 Total ------------------------$120,977 74 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 43,860 9[ Demand Loans --------------- 4.520 8f Loans Secured by Real Estate 8,040 71 
 
United States Bonds --------- 2,000 00 Other Stocks and Bonds_____ _ 
 
Banking House --------------- 1.250 00 Furniture and Fixtures ______ _ 1,554 84 Othe.r Real Estate Owned_____ _ 1,142 70 
 
Due from Banks in this State 36.7~ 7f 
 
Due from Banks in other States 2,039 6F 
 
Currency ---------------------SGiolvlder-, -N--i-c-k-e-l-s-, --P-e-n-n--ie-s---__-_-_-_-_--_ 
 
2,180 87 
 
0s0r 
 
837 Sf 
 
Advances on Cotton ---------Advances on othe.r Commodities Checks for Clearing House__ _ 
 
Other Checks and Cash Items 3,503 70 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) ------------ 
 
48 
 
Other Assets ------------------ 
 
Capital Stock Paid In __________$ 15,000 00 Amount Reserved for Br:;t.nches ________ _ 
Surplus Fund ---------------- 7,500 00 Undivided Profits -------------- 3, 797 ~~ Dividends Unpaid ------------- ________ _ Due to Banks in this State___ ________ _ 
Due to Banks in other States --------Call Money ------------------- ________ _ Individual Deposits Subject to 
Check ----------------------- 58,782 57 Demand Certificates of Deposit --------Time Certificates of DeoposiL_ 21,961 34 STarvuisntgsFuDndespoosnitsDe-p--o-s-i-t -_-_-_-_-_-_- _-_-_-_-_-_-_-_--_ 
Cashier's Checks -------------- 762 19 Certified Checks ______________ --------Bills Payable ----------------- ________ _ Notes and Bills Rediscounted __________ _ Certificates of Deposit for Bor- 
rowed Money --------------- --------Liability on Letters of Credit 
and Acceptances ------------ ________ _ Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
'Total ------------------------$107,804 0 Total ------------------------$107,804 06 
 
 \ 
 
FIRST ANNUAL REPORT 
 
241 
 
EXAMINER'S BEPOBT. 
 
BANK OF FLOWERY BRANCH, FLOWERY BRANCH. 
 
At Close of Business July 29, 1920. 
 
President-L. 0. Benton. Vice-Presidents-C. 0. Wallis, M. L. Light. 
 
Cashier-M. B. Woodliff. 
 
. 
 
Directors-L. 0. Benton, C. 0. Wallis, M. L. Light, J. W. Hunt, F. T. Davie, 
 
B. R. Woodliff. 
 
Date of Charter-August 4, 1904. 
 
Began Business-August 15, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
~~%ea~~tt~~ar'ls-================$ 
 
85,067 6.000 
 
37 01 
 
Loans Secured by Real Estate 10,000 00 
 
United States Bonds _________ _ 200 00 
 
Other Stocks and Bonds_____ _ 
 
Banking House --------------- 2,800 or 
 
Furniture and Fixtures _____ _ 1.500 00 
 
Other Real Estate Owned _____ _ 4.000 00 
 
Due from Banks in this State 7.o97 59 
 
Due from Banks in other States 899 05 
 
Currency ---------------------Gold --------------------------Silve.r, Nickels, Pennies_______ _ Advances on Cotton__________ _ 
Advances on other Commodities Checks for Clearing House __ _ Other Checks and Cash Items Customers' Liability on Letters 
 
421 270' 
 
0o0r 
 
504 3? 
 
7.629 95 
 
l,(f61 10 1,095 93 
 
of Credit and Acceptances __ Overdrafts (if any) _________ _ 
 
Other Assets: Bills Receivable ______________ _ 
 
121 0? 
 
Capital Stock Paid In __________$ 20,000 00 
 
Amount Reserved for Branches Surplus Fund -----------------Undivided Profits _____________ 
Dividends Unpaid _____________ Due to Banks in this State___ Due to Banks in other States 
 
--------2,500 ()H 5,213 22 
--------________ _ ________ _ 
 
Call Money ------------------- ________ _ Individual Deposits Subject to 
 
Check ----------------------- 37,560 55 Demand Certificates of Deposit --------Time Certificates of Deposit__ 22,881 9 Savings Deposits _____________ ________ _ 
 
Cashier's Checks ______________ 1,932 09 
 
Certified Checks -------------- --------Bills Payable ----------------- 35,000 Ou Notes and Bills Rediscounted __ --------Certificates of Deposit for Bor- 
 
rowed Money --------------- --------Liability on Letters of Credit 
and Acceptances ____________ ________ _ 
 
Reserve for Interest and Taxes ________ _ 
 
Other Liabilities: 
 
Deposits ---------------------- 1,SZ& 65 Cash Long -------------------- 139 81 
 
Total _________ .,.______________ $129,04G 31 Total ------------------------$129,046 31 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 91,911 00 
 
Demand Loans ---------------- 800 00 
 
Loans Secured by Real Estate 
 
United States Bonds _________ _ 200 00 
 
Other Stocks and Bonds_____ _ 
 
Banking House ______________ _ 2,800 00 
 
Furniture and Fixtures_______ _ 2.14"8 2F 
 
Other Real Estate Owned_____ _ 4.000 00 
 
Due from Banks in this State 3,048 7{\ 
 
Due from Banks in other States 
 
57 24 
 
Currency ---------------------- 
 
8'5 3~ 
 
Gold --------------------------- 382 50 
 
Silver, Nickels, Pennies_______ _ Advances on Cotton __________ _ 
 
661 OD 7,160 67 
 
Advances on othe.r Commodities 
 
Checks for Clearing House__ _ 
 
Pther Checks and Cash Items 642 lf 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) __________ _ 520 OD 
 
Other Assets: Profit and Loss ______________ _ 
 
302 00 
 
Capital Stock Paid In__________ $ 25,000 00 Amount Reserved for Branches 2,500 OD 
SurPlus Fund ---------------- --------Undivided Profits ------------- ________ _ Dividends Unpaid ------------- ________ _ Due to Banks in this State___ ________ _ Due to Banks in other States ________ _ 
Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 24,8'{!4 57 Demand Certificates of Deposit ________ _ Time Certificates of DeposiL_ 10.355 01 STarvuisntgsFuDnedpsosoints D-e-p--o-s-i-t --_-__-_-_-_- -_-_-__-_-_-_-_--_ 
Cashier's Checks ------------- 1,059 35 Certified Checks --------------- --------Bills Payable ----------------- 4o.OOO on Notes and Bills Rediscounted_ 6,00(f 00 CerrotwifeicdateMsoonfeyDe_p_o_s_i_t__f_o_r__B__o_r_- ________ _ 
Liability on Letters of Credit and Acceptances ____________ ________ _ 
Reserve for Interest and Taxes ________ _ Other Liabilities -------------- ________ _ 
 
I Total ------------------------$114,718 9:' Total ------------------------$114,718 93 
 
.j 
 
 '/' 
 
242 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOBT. 
 
THE CITIZENS BANK, FOLKSTON. 
 
At Close of Business September 24, 1920. 
 
President-Wm. M.izell, Sr. Vice-Presidents-B. G. McDonald, D. F. Pearce. 
Cashier-D. F. Pearce. Directors-Wm. Mizell, Sr., Ivey Dowling, B. F. Scott, B. G. McDonald, \Vm. 
Mizell, Jr., J. W. Vickery, D. F. Pearce, L. E. Mallard. 
 
Date of Charter-December 12, 1911. 
 
Began Business-January 4, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$116,884 09 Demand Loans ________________ 1,95U 00 
 
Loans Secured by Real Estate _________ United States Bonds __________ 18,0~ 00 
 
Other Stocks and Bonds ______ 25,000 00 
 
Banking House ---------------- ________ _ Furniture and Fixtures _______ 2,559 40ther Real Estate Owned ____ ________ _ Due from Banks in this State__ _________ _ 
 
Due from Banks in other States 67,737 Hf 
 
Currency ---------------------- 2,886 00 
 
Gold --------------------------- 227 50 Silver, Nickels, Pennies _______ 962 02 Advances on Cotton __________________ _ 
 
Advances on other Commodities ________ _ Checks for Clearing House___ ________ _ 
 
Other Checks and Cash Items 350 00 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ overdrafts (if any) ___________ 
 
--(ooi-2;: 
 
Other Assets: 
 
Cash Short -------------------- 
 
1 00 
 
Capital Stock Paid In __________$ 16,0Ul) 00 
 
Amount Reserved for Branches --------Surplus Fund __________________ 3,000 00 
 
Undivided Profits -------------- 8,200 ro 
 
Dividends Unpaid ------------- 
 
3 60 
 
Due to Banks in this State___ ________ _ 
 
Due to Banks in other States ________ _ Call Money ___________________ --------- 
 
Individual Deposits Subject to 
 
Check ----------------------- 140,671 76 Demand Certificates of Deposit --------Time Ce-rtificates of Deposit__ 31,758 28 
 
Savings Deposits -------------- 37,015 44 Trust Funds on Deposit ______ _______ _ 
Cashier's Checks -------------- 1,959 4 
Certified Checks --------------- ________ _ 
 
Bills Payable ----------------- ________ _ Notes and Bills . Rediscounted ________ _ 
 
Certificates of Deposit for Borrowed Money --------------- ________ _ 
 
Liability on Letters of Credit and Acceptances ------------ ________ _ 
 
Reserve for Interest and Taxes --------Other Liabilities -------------- ________ _ 
 
Total ------------------------$237,609 23 Total ________________: _______$237,609 2'~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RE:SO'URCES 
 
LIABILITIES 
 
Time Loans -------------------$ Demand Loans ---------------- 
 
63,887 1,485 
 
8~ 
uo 
 
Loans Secured by Real Estate 55,755 00 
 
United States Bonds ---------- 18,050 00 
 
Other Stocks and Bonds _____ _ 25,000 00 
 
Banking House ---------------Furniture and Fixtures ______ _ 2,559 47 Other Real Estate Owned ___ _ 
 
Due from Banks in this State__ 
 
Due from Banks in other States 24,819 84 
 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies_______ _ Advances on Cotton _________ _ 
 
4,342 00 207 50 
809 09 
 
Advances on other Commodities Checks for Clearing House __ _ Other Checks and Cash Items Customers' Liability on LeUers 
of Credit and Acceptances __ Overdrafts (if any) _________ _ 
 
2,194 63 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ------------------ 3,000 00 Undivided Rrofits ------------- 9,511 cA 
 
Dividends Unpaid ------------- 
 
3 60 
 
Due to Banks in this State __ _ 
 
Due to Banks in other States 
 
Call Money ------------------Individual Deposits Subject to 
Check ----------------------- 101,668" 92 Demand Certificates of Deposit Time Certificates of Deposit__ 29,966 !i~ 
Savings Deposits -------------- 37,357 94 Trust Funds on Deposit _____ _ 
 
CCearsthifiieerd's CChheecckkss _-__-_-_-_-_-_-_-_-_-_-_-_--_ 2.601 87 
 
Bills Payable ----------------Notes and Bills Rediscounted Certificates of Deposit for Bor- 
 
rowed Money --------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$199,110 39 Total ------------------------$199,110 39 
 
 \ 
 
FIRST ANNUAL REPORT 
 
243 
 
EXAMINER'S REPORT. 
 
BANK OF FORSYTH, FORSYTH. 
 
At Close of Business October 23, 1920. 
 
President-R. B. Stephens. Vice-President-J. J. Cater. Cashier-.Jno. T. Stephens. 
 
DkectorR-R. B. Stephens, B. 0. Chapman, T. R. Talmadge, J . .J. Cater, P. R. 
 
Chapman, B. S. ~Willingham. 
 
Date of Charter-October 22, 1887. 
 
Began Business-October 22, 1887. 
 
RE'SOURCES 
 
LIABILITIES 
 
n:m ~~~"a~o't~ans================$ ~~ 
 
Loans Secured by Real Estate 23,068 63 
 
l'nited States Bonds  
 
17,700 00 
 
Other Stocks and Bo-nds====== 
 
Banking House ---------------- 4,588 56 Furniture and Fixtures _______ _ 2,666 31 Other Real Estate Owned_____ _ 
 
Due from Banks in this State __ Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies _______ _ 
Advances on Cotton ---------Advances on other Commodities Checks for Clearing House and 
Regular --------------------Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts (if any) _________ _ 
 
45,802 30 6,828 4 
12,992 00 1,000 00 1,461 33 
15,105 42 805 47 
 
Other Assets: 
Profit and Loss --------------Cash Short -------------------- 
 
145 59 55 34 
 
Capital Stock Paid in ----------$ 50,000 00 Surplus Fund ------------------ 12,000 00 Undivided Profits -------------- 10,782 32 Dividends Unpaid _____________ Due to Banks in this State____ _ Due to Banks in other States Call Money ___________________ 
Individual Deposits Subject to Check ----------------------- 169,108 H 
Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits _____________ _ Trust Funds on Deposit _____ _ Cashier's Checks _____________ _ 5,585 H8 CBielrltsifiPedayCabhleecks__-_-_-_-_-__-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted Certificates of Deposit for Bor- 
rowed Money --------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities -------------- 
 
Total ------------------------$247.476 4c Total ------------------------$247,476 4~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RE'SO'URCES 
 
LIABILITIES 
 
Time Loans ___________________$ 80,426 69 
 
Demand Loans ---------------- 64,530 08 
 
Loans Secured by Real Estate 30.557 52 United States Bonds _________ _ 17,700 00 
 
Other Stocks and Bonds _______ _ 
 
Banking House ---------------Furniture and Fixtures _______ _ 
 
4,588 2,666 
 
:5n6 
 
Other Real Estate Owned _____ _ 
 
Due from Banks in this State 33,195 72 
 
Due from Banks in other States 16,799 17 
 
Currency ---------------------- 11,069 00 
 
GSiollvder-, -N--i-e-k-e-l-s-, --P-e-n-n--ie--s-_-_-__-_-_-_--_ 
 
1,000 00 1,522 18 
 
Advances on Cotton ---------- 2,958 05 Advances on other Commodities 
 
Checks for Clearing House __ _ 1,996 21 
 
Other Checks and Cash Items 415 18 
 
Customers' Liability on Letters 
 
. of Credit and Acceptances __ 
 
Overdrafts (if any) ---------- 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________$ 50,000 
 
ASumnopluunst FRuensderv__e_d__f_o_r__B__r_a_n_c_h_e__s 
 
--------12,000 00 
 
Undivided P.rofits ________ c____ 11,213 82 Dividends Unpaid _____________ ________ _ 
 
Due to Banks in this State_____ ________ _ Due to Banks in other States ________ _ 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 165,640 4S Demand Certificates of Deposit --------Time Certificates of Deposit__ ________ _ 
 
STarvuisntgFs uDnedpsosoints D-e-p-o-s-i-t--_-_-_-_-_-_- -_-_-__-_-_-_-_--_ 
 
Cashier's Checks ______________ 
 
12 85 
 
Certified Checks --------------- --------Bills Payable ----------------- ________ _ Notes and Bills Rediscounted ________ _ 
 
Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
 
________ _ ________ _ ________ _ 
 
Other Liabilities -------------- ________ _ 
 
Total ------------------------$238,867 15 Total ------------------------$238,867 15 
 
 244 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
CITIZENS BANK OF FORSYTH, FORSYTH. 
 
At Close of Business August 19, 1920. 
 
President-H. H. Hardin. Vice-Presidents--H. E. Newton, B. H. Manry, B. 0. Chapman. Cashier-Roland Anderson. 
 
Directors-H. H. Ha-rdin, H. E. Newton, B. H. Manry, B. 0. Chapman, 0. N. Ingram, C. M. Taylor, Homer Hardin, C. D. Rudisill, B. A. Mitchell, H. W. Freeman. 
 
Date of Charter-February 17, 1920. 
 
Began Business-February 24, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosan-s---__- 
 
-----------$ 
... _. ____ _ 
 
66,179 67,080 
 
32 51 
 
Capital Stock Paid Amt. Reserved for 
 
In .....$ Branches 
 
80,000 
 
00 
 
Loans Secured bv Real Estate 
 
Surplus Fund .------------- 20,000 00 
 
United States Bonds -------- 
 
Undivided Profits ---------- 2,572 20 
 
Other Stocks and Bonds..... Banking House ...... ____ _ 
 
Dividends Unpaid----------Due to Banks in this State.. 
 
Furniture and Fixtures. __  
 
878 00 Due to Banks in other States 
 
Other Real Estate Owned.... 
 
Call Money . __ ..... ----- .. 
 
Due from Banks in this State 12,663 37 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 41,861 52 
 
States ------------------GCoulrdren.c.y.. __-_-.-.-.--__-.-.-.-.-.-.--_-.-.-. -. 
 
1,623 32 Demand Certificates of Deposit 
3,515 oo Time Certificates of Deposit. 
100 00 Savings Deposits ----------- 
 
7, 750 00 
 
Silver, Nickels, Pennies ____ _ 
 
118 39 Cashier's Checks .......... . 
 
505 43 
 
Advances on Cotton ... _._. __ 
 
Certified Checks .... - .. 
 
Adtiveasnc.e_s__o.n..o_t_h__er. _C. o__m_m__o_d_i_- 
 
Bills Payable ............. . :\'otes and Bills Rediscounted 
 
Checks for Clearing House .. 
 
286 54 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
110 70 Borrowed Money ....... 
 
Customers' Liability on Let- 
 
Liability on Lette'rs of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ........ . 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)---.-..--_-.--.-.-. 
 
Reserve for Interest and Taxes 133 00 Other Liabilities ------------ 
 
Other Assets --------------- 
 
1 00 
 
'I'otal. --- .... ____ ---.----.$152,689 15 Total .................... $152,689 15 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ............... $ 88,950 62 
 
Demand Loans _........... . 64,616 68 
 
Loans Secured by Real Estate 
 
United States Bonds ....... . 
 
Other Stocks and Bonds.... . 
 
Banking House ............ . 
 
Furniture and Fixtures ... __ 2,128 00 
 
Other Real Estate Owned... _ 
 
Due from Banks in this State 18,112 27 
 
Due from Banks in other 
 
States ------------------CGuorldren.c.y...-.-_-_ -.-.-.-.-.-.-.-.-.-.-.-.-.-.-. 
 
1,087 26 3,553 00 
125 00 
 
Silver, Nickels, Pennies ____ _ 
 
360 76 
 
Advances on Cotton........ . 
 
Advances on other Commodi- 
 
ties ......... _........... . 
 
Checks for Clearing House.. . 
 
Other Checks and Cash Items 3,104 44 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -. -. -. -. -. -. .- -. 
 
Other Assets --------------- 
 
Capital Stock Paid In ....... $ 80,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund ............ 20,000 00 
 
Undivided Profits .......... _ 
 
Dividends Unpaid .......... . 
 
Due to Banks in this State.. 
 
Due to Banks in other States 
 
Call Money ................ 
 
Individual Deposits Subject 
 
DetomaCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 74,656 78 
 
Time Certificates of Deposit. 2,425 50 
 
Savings Deposits ----------- 
 
Trust Funds on Deposit. .... 
 
Cashier's Checks ...... _. __ . 
 
462 11 
 
Certified Checks ........... . 
 
Bills Payable -------------- 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Mane-" ........ . 
 
Liability on Lett(lrs of Credit 
 
and Acceptances ........ . 
 
Reserve for Interest and Taxes 
 
Other Liabilities ........... . 
 
Total .............. $182,038 03 Total ................ $182,038 03 
 
 FIRST ANNUAL REPORT 
 
245 
 
EXAMINER'S REPORT. 
FARMERS BANK, FORSYTH. 
At Close of Business .August 29, 1920. President-R. T. Persons. Vice-President~R. P. Brooks. Cashier-R. C. Beddick. Directors-R. 'l'. Jersons, R. P. Brook, Geo. Persons, R. D. Maddox, J. F. Castle- 
berry, G. W. Waldrep, J. W. Newton, R. C. Goolsby. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans and Demand 
 
Capital Stock Paid In _______ $ 50,000 00 
 
Loans -------------------$351,754 37 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 50,000 00 
 
United States Bonds ________ --------- Undivided Profits ----------- 17,661 77 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid----------- 
 
Banking House ------------- 3,992 95 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,493 15 Due to Banks in other States Other Real Estate Owned____ _________ Call Money ________________ _ 
 
Due from Banks in this State 214,791 41 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ________________ _ 495,875 18 
 
States ------------------- 16,496 62 DemandCertificates of Deposit Currency ____ ______________ 7,217 00 Time Certificates of Deposit- 
 
Gold ----------------------- 3,955 00 Savings Deposits ----------Silver, Nickels, Pennies_____ 2,112 85 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------Adtiveasnce_s__o_n__o_t_h_e_r__C_o_m__m__o_d_i_- _________ CBeilrltsifiPedayCabhleecks_______________________--_ 
 
Checks for Clearing House___ _________ Notes and Bills Rediscounted 
 
Other Checkg and Cash Items 11,120 41 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ - 
 
atenrcsesof__C_r_e_d_i_t__a_n_d_ _A__c_c_e_p_t_- ____ _____ LiaanbdilitAycocnepLtaentcteesrs _o_f__C_r_e_d_i_t 
 
Overdrafts (if any) ________ _________ Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
3 19 Other Liabilities------------ 
 
Total.--------~-----------$613,536 95 
 
Total---------------------$613,536 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$215,580 60 Capital Stock Paid In _______ $ 50,000 00 
 
00 Demand Loans ------------- 140,045 89 
Loans Secured by Real Estate --------- 
 
Amt. Reserved for Branches Surplus Fund --------~----- 
 
-5-0~000- 
 
United States Bonds ________ --------- Undivided Profits ----------- 19,301 54 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid----------- 
 
Banking Rouse ------------- 3,992 95 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,493 15 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money --------------- _ 
 
Due from Banks in this State 93,289 14 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----- ___ ------- _ 371,266 13 
 
.. 
 
States ------------------- 12,126 44 DemandCertificates of Deposit 
 
Currency __________________ 10,520 00 Time Certificates of Deposit. 
 
Gold ----------------------- 3,980 00 savings Deposits ----------Silver, Nickels, Pennies_____ 2,128 52 Trust Funds on Deposit.-_-Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C_o__m_m_ _o_d_i_- ____ ____ _ BCielrltsifPieadyaCbhleeck--s----__-_----------------_ 
 
Checks for Clearing House._ 4,852 48 Notes and Bills Rediscounted Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances Overdrafts 
 
- 
 
(if- 
 
a;,y)- 
 
_ 
======_== 
 
-"(558- 5o 
 
and Acceptances __ ------Reserve for Interest and Taxes 
 
Other Assets _______________ _________ Other Liabilities ______ ----- _ 
 
TotaL ____________________ $490,567 67 Total --------------------$490,567 67 
 
 246 
 
BANKING DEPAR'fMENT 
 
EXAMINEB'S BEPOBT. 
 
MONROE COUNTY BANK, FORSYTH. 
 
At Close of Business November 1, 1920. 
 
President-vV. C. Hill. Vice-President-C. B. Hollis. Cashier-C. W. Hill. 
 
Directors-W. C. Hill, C. W. Hill, C. B. Hollis. 
 
Date of Charter-November 2, 1908. 
 
Began Business October 19, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$237,254 99 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
38,200 37 59,864 39 
 
ASumrtp.luRsesFeurnvded __fo__r __B_r_a_n_c_h_._es_ 
 
25,000 00 
 
United States Bonds ------- --------- Undivided Profits ----------- 13,413 H8 
 
Other Stocks and Bonds_____ Banking House _____________ 
 
1,500 00 ________ _ 
 
Dividends Unpaid----------Due to Banlrs in this State __ 
 
Furniture and Fixtures_-___ Other Real Estate Owned____ 
 
1,000 00 ________ _ 
 
CDaulel 
 
tMo oBnaenyl<s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State --------- Individual Deposits Subject 
 
Due from Banks in other 
States ------------------CG uo lrdr e n_c_y_ _ _-_ -_ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- -_ 
 
--------10,490 00 
231 00 
 
Detmo aCnhdeCckert-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t Time Certificates of DeposiL Savings Deposits ----------- 
 
101,558 29 2,500 05 
102,200 30 
 
Silver, Nickels, Pennies ____ _ 
 
688 26 Trust Funds on DeposiL _- __ 
 
Advances on Cotton ________ _ 6,412 91 Cashier's Checks ____ -- __ - __ 
 
601 30 
 
Adtvieasnc_e_s__o_n_ _o_t_h_e_r__C_o_m_ _m__o_d_i_- 
 
________ _ 
 
Certified Checks _____ - _____ _ Bills Payable _____________ _ 
 
:14,500 00 
 
Checks for Clearing House __ 1,661 11 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,22S 47 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
atenrcsesof__C_ r-e_d_ i-t__a-n_d__A__c_c-e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Overdrafts (if any) ________ ________ _ Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ____ - ___ -- _ 2,042 34 Rediscounts ---------------- 87,564 14 
 
TotaL--------------------$374,379 80 Total---------------------$374,379 80 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$179,124 98 Demand Loans ------------- 34,226 24 Loans Secured by Real Estate 92,539 96 United States Bonds ________ --------Other Stocks and Bonds_____ 1,500 00 Banking House __ ------ _-- _- _--- _-- __ 
 
Capital Stock Paid In _______ $ 25,000 00 Amt. Reserved for Branches 
Surplus Fund -------------- 25,000 00 Undivided Profits ----------- 12,576 46 Dividends Unpaid----------Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
1,000 00 ________ _ 
 
CDaulel 
 
tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 31,277 14 Individual Deposits Subject 
 
 
 
Due from Banks in other States ------------------- 
Currency -----------------Gold _____ ------------------ 
 
3,188 10 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 98,412 11 5,748 00 'l'ime Certificates of DeposiL 2,700 00 
36 00 Savings Deposits __________ _ 98,845, 72 
 
Silver, Nickels, Pennies ____ _ 1,160 86 Trust Funds on DeposiL ___ _ 
 
Advances on Cotton ________ _ 4,622 25 Cashier's Checks __________ _ 
 
500 67 
 
Adtvieasnc_e_s__o_n_ _o_t_h_e_r_ _C_o_ _m_m__o_d_i_- 
 
Certified Checks _- _________ _ ________ _ Bills Payable ' _____________ _ 
 
12,000 00 
 
Checks for Clearing House_- 
 
550 00 Notes and Bills Rediscounted 78,615 68 
 
Other Checks and Cash Items 
 
451 49 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
ances __ - - - _- - - - - - - - - - - - - OO tvheerrd rAa fstsse t s( i f_ _a_n_y_)_ _ _-_-_-_-_-_-_- -- 
 
--------_- _-_-_-_-_-_-_- -_ 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances ________ _ 
Reserve for Interest and Taxes Other Liabilities: 
 
Unearned Interest ---------- 1,774 3R 
 
Total---------------------$355,425 02 Total---------------------$355,425 02 
 
 FIRST ANNUAL REPORT 
 
247 
 
EXAMINEE'S BEPOBT. 
 
BANK OF FT. GAINES, FT. GAINES. 
 
At Close of Business September 9, 1920. 
 
President-C. W. Morris. Cashier-\V. L. Paullin. 
 
Directors-C. \Y. 1\Iorris, W. L. Paullin, Mrs. J. K Paullin. 
 
-D-a-te-o-f-C-h-a-r-te-r--S-e-pt-e-m-b-er--2,-1-8-89-. -----------------B-egan Business-1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----- __________ .$185,865 08 Capital Stock Paid In ______ .$ 50,000 00 
 
Demand Loans -- ___________ 13,442 62 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 23,000 00 Surplus Fund _____________ _ 35,000 00 United States Bonds________ 14,325 16 Undivided Profits __________ _ 16,677 66 Other Stocks and Bonds _____ ---------,Dividends Unpaid __________ _ 
 
Banking House ------------- --------- Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,500 00 D1e to Banks in other States 
 
Other Real Bstate Owned ____ --------- Call Money ---------------- 
 
Due from Banks in this State 8,008 11 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 72,794 73 
 
States ------------------- 14,967 15 DemandCertificates of Deposit Currency __________________ 2,577 00 Time Certificates of DeposiL 14,831 73 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
140 00 Savings Deposits ----------362 94 Cashier's Checks ----------- 
 
37 25 
 
Advances on Cotton _________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable _____________ _ 60,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted 18,142 00 
 
Checks for Clearing House__ 
 
68 89 Certificates of Deposit for 
 
Other Checks and Cash Items 3,287 75 Borrowed Money --------- 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
ances __ - _-- __ - ___ _ _ __ _ __ _ ___ ----- _ Reserve for Interest and Taxes 
 
Overdrafts (if any) ________ 
 
35 52 Other Liabilities __________ _ 
 
Other Assets _______________ ________ _ 
 
96 85 
 
TotaL ______________ ------$267,580 22 
 
Total _____________________ $2~7,580 22 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$148,137 57 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------- 21,189 43 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 17,697 67 Surplus Fund -------------- 35,000 00 
 
United States Bonds ------- 1,404 15 Undivided Profits ---------- 17,464 25 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid----------- --------- 
 
Banking House ------------- --------- Due to Banks in this State__ 
 
72 80 
 
Furniture and Fixtures_____ 1,500 00 Due to Banks in other States 
 
182 87 
 
Other Real Estate Owned ____ ---------Call Money ---------------- --------- 
 
Due from Banks in this State 8,923 98 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ------------------ 66,488 37 
 
States ------------------- 4,018 50 Demand Certificates of Deposit --------- 
 
Currency ------------------ 6,440 00 Time Certificates of DeposiL 9,957 73 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
150 00 Savings Deposits ----------- --------678 91 Trust Funds on Deposit _____ --------- 
 
Advances on Cotton _________ 22,503 81 Cashier's Checks ----------- --------- 
 
Advances on other Commodi- 
 
Certified Checks ____ -------- --------- 
 
ties---------------------- ---------Bills Payable-------------- 50,000 00 Checks for Clearing House__ 1,230 44 Notes and Bills Rediscounted 7,500 00 
 
Other Checks and Cash Items 
 
434 03 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ ------- --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit "' 
 
ances ___________ _ _ __ _ _ __ _ __ _ _ _ ___ _ and Acceptances __ ------- --------- 
 
Overdrafts (if any) ________ 
 
147 46 Reserve for Interest and Taxes --------- 
 
Other Assets: 
 
Other Liabilities __ - _-------- --------. 
 
Clay County Warrants _____ _ 2,210 07 
 
Total _____________________ $236,666 02 Total _____________________ $236,666 02 
 
 248 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
THE UNION SAVINGS BANK, FT. GAINE.S. 
 
At Close of Business September 8. 1920. 
 
President-E. W. Chambers. Vice-President-B. F. Pearce. 
Cashier-W. A. McAllister. Directors-E. \V. Chambers, B. F. Pearce, W. A. McAllister. W. T. Credille, B. 
M. Turnipseed, B. F. Grimsley, L. P. Brown. 
 
Date of Charter-July 30, 1910. 
 
Began Business-August 15, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 98,891 35 Capital Stock Paid In ______ .$ 27,150 00 
 
Demand Loans ------------- 2,667 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds - _____ _ 
 
15,000 00 Surplus Fund -------------5,000 00 Undivided Profits - ______ --- 
 
3,000 00 3,916 42 
 
Other Stocks and Bonds ____ _ Banking House ____________ _ 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
1,632 38 3,975 82 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 3,961 98 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
4,863 17 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 35,900 26 1,395 00 Time Certificates of DeposiL 3,520 00 
 
GS iollvde r ,- -N- -i -c -k-e-l s-,- -P- e- n- -n-i e- -s -_-__-_- -_ Advances on Cotton ________ _ 
 
110 00 Savings Deposits ----------34 90 Cashier's Checks ----------Certified Checks _-- ______ --- 
 
24 35 
 
Advances on other Commodi- 
 
Bills Payable -------------- 60,000 00 
 
Chteiceks s -f-o-r---C-l-e-a-r-in-g---H-o-u--se--__- 
 
Notes and Bills Rediscounted 5,224 06 412 10 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
93 26 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances __ ------- 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -_-_-_-_ -_ _-_- -_ 
 
Reserve for Interest and Taxes 397 06 Other Liabilities _- ______ --- 
 
23 39 
 
Other Assets --------------- 
 
324 46 
 
Total _____________________ $138,758 48 
 
Total .. ------------------$138,758 48 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -- _____________ $ Demand Loans ____________ _ 
 
67,383 550 
 
97 00 
 
Capital Stock Paid In-------$ Amt. Reserved for Branches 
 
27,150 
 
00 
 
Loans Secured by Real Estate 18,775 00 Surplus Fund -------------- 3,000 00 United States Bonds -- ____ - 5,000 00 Undivided Profits __ --------- 3,965 59 
 
Other Stocks and Bonds ____ - 
 
Dividends Unpaid ___ -- __ --- 
 
Banking House -- ___ ---- ___ - 
 
Due to Banks in this State_- 
 
Furniture and Fixtures ____ - 1,632 38 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 3,975 82 Call Money ______ ---------- 
 
Due from Banks in this State 3,226 59 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ______ ---------- 30,088 06 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- e- -n-n-i -e-s -_-__-_- -_ Advances on Cotton _______ _ 
 
2,421 85 181 00 125 00 4 19 315 75 
 
Demand Certificates of Deposit Time Certificates of DeposiL Savings Deposits ----------Trust Funds on DeposiL---Cashier's Checks ----------- 
 
4,120 00 198 22 
 
Advances on other CommodiChteiecsks--fo--r --C-l-e-a-r-in--g--H-o--u-s-e-_-- 
 
Certified Checks __ ---------Bills Payable ____ ---------- 31,000 00 1,108 41 Notes and Bills Rediscounted 5,224 06 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - -( I-f- -a-n-y- )- -_-_-_-_-_ -_ _-_- -_ 
 
and Acceptances _-------45 97 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities __ ---------- 
 
Total --------------------$104,745 93 Total --------------------$104,745 93 
 
 FIRST ANNUAL REPORT 
 
249 
 
 
EXAMINEE'S BEPOBT. 
 
CITIZENS BANK, FORT VALLEY. 
At Close of Business August 21, 1920. 
 
p,resident-A. J. Evans. Vice-Presidents-iL. L. Brown, C. E. Martin. 
Cashier-B. H. Fincher. Directors-A. J. Evans, Louis L. Brown, C. E. Martin, J. H. Baird, J. E. Davidson, 
J. W. Frederick, C. B. Nicholls, J. W. RundaH, W. A. Woodall. 
 
Date of Charter-January 8, 1910. 
 
Began Business-December 1, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$945,758 41 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 10,027 24 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 50,196 72 l'nited States Bonds ________ 33,050 00 Undivided Profits ---------- 37,976 09 
 
~~l~~n~toJ~~s~n~- -~~~~~~ ~ ~ ~ ~ __2~~~~ _~~ 1S~'~idte~'~an~~Pf~dtl;i~- Stat~:: ::::::::: 
 
J<'urniture and Fixtures_____ 5,380 34 Due to Banks in other States --------- 
 
Other Real Estate Owned____ 
 
300 00 Call Money ---------------- --------- 
 
llue from Banks in this State 39,769 21 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 432,170 86 
 
States ------------------- 77,838 83 Demand Certificates of Deposit 7,000 00 
 
Currency ------------------ 14,756 00 Time Certificates of Deposit_ 164,182 !>!} 
 
Gold ----------------------- 
 
805 00 Savings Deposits ----------- 43,872 35 
 
Silver, Nickels, Pennies_____ 4,788 21 Trust Funds on Deposit_____ 6,000 00 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 7,561 43 
 
Advances on other Commodi- 
 
Certified Checks ------------ 16,046 09 
 
ties ---------------------- _________ Bills Payable --------------- 75,000 00 Checks for Clearing House._ 1,437 42 Notes and Bills Rediscounted 202,974 64 
 
Other Checks and Cash Items 6,352 55 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------- --------Overdrafts (if any)-------- --------- ReserveforinterestandTaxes --------- 
 
Otller Assets --------------- 
 
39 52 OtlJer Liabilities------------ --------- 
 
Total -------------------$1,142,980 73 Total -------------------$1,142,980 73 
 
BANK'S STATEMENT at Close of Business December 15, 1~20. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$836,255 12 Capital Stock Paid In-------$100,000 00 Demand Loans ------------- 4,310 5s Amt. Reserved for Branches ________ - 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 50,196 72 
 
United States Bonds 
 
34,728 Oo Undivided profits _ __ _ __ _ _ _ _ 15,245 82 
 
ORathnekrinSgtoHcokus saen_d__B_o_n_d_s_._________ 
 
_ _1_,_0_0_0__Oo_ 
 
Dividends Unpaid ---------Due to Banks in this State._ 
 
482 00 4,031 75 
 
Furniture and Fixtures ____ _ Other Real Estate Owned. __ _ 
Due from Banks in this State 
 
5,380 34 Due to Ranks in other States --- _----300 00 Call Money ---------------- --------- 
8,253 65 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ 
 
9,139 69 9, 706 00 
815 00 3,410 42 
 
to Check ----------------- 224,004 93 Demand Certificates of Deposit ____ --- _Time Certificates of Deposit. 149,423 86 Savings Deposits ----------- 41,503 03 Trust Funds on Deposit ____ _ 6,000 Ol! 
 
Advances on Cotton Adtvieasnc_e_s__o_n__o_t_h_e_r__C_o_m_ _m_ _o_d_i_- 
 
14,599 36 ________ _ 
 
CCearsthifiieerd's CChheecckkss _-_-_-__-_-_-_-_-_-_--_ Bills Payable _____________ _ 
 
3,137 767 
183,832 
 
65 65 30 
 
Checks for Clearing House___ 4,052 88 Notes and Bills Rediscounted 194,891 69 
 
Other Checks and Cash Items 16,362 28 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ______ - _ _ - ___ ----- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------- --------- 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 3,777 19 
 
Other Assets: 
 
Other Liabilities ____________ --------- 
 
Rills of Exchange __________ 28,981 27 
 
TotaL _____ ------ ______ ---$977,294 59 Total---------------------$977,294 59 
 
 250 
 
BANKING DEPAR'rMENT 
 
EXAMINEB.'S B.EPOB.T. 
 
EXCHANGE BANK, FT. VALLEY. 
 
At Close of Business October 2, 1920. 
 
President-W. C. Wright. Vice-President-H. E. Brown. Cashier-S. B. Drown. 
 
DirPctors-"' C. \'.'right, Jno. A. Houser, F. 0. M.iller, R. E. Brown, .T. D. K<n- 
 
drick, A. M. Soloman, V. L. Brown, B. T. Marshall, W. N. wright. 
 
Date of Charter-December 28, 1888. 
 
Began Business-December 28, 1888 
 
RESOURCES 
 
LIA BI L TTlES 
 
Time Loans ----------------$384,739 82 Capital Stock Paid In _______ $ 50,000 oo 
 
Demand Loans ------------ ________ _ Amt. Reserved for Branches 
 
Loans Secured by Real Estate 1 ~9.59.7 06 Surplus Fund -------------- 25,000 00 
 
United States Bonds________ 
 
!56 85 Undivided Profits _________ _ 15,662 6~ . 
 
OBathnekrinSgtoHckous saend_ __B_o_n_d_s___________ 
 
-_ -_ -_ _- _- _-_-_- -_ 
 
Dividends Unpaid _________ _ Due to Ranks in this State._ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned____ 
 
~.285 28 ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
!i0,088 08 
 
Due from Banks in this State 17,886 :l7 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 180,358 28 
 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_--_ Gold ______________________ _ 
 
3,234 32 Demand Certificates of Deposit 3,500 00 
 
4,508 00 Time Certificates of Deposit. 82,768 46 
 
2,780 00 Savings Deposits ----------~ 
 
53 27 
 
Silver, Nickels, Pennies ____ _ 1,848 72 Trust Funds on Deposit_ ___ _ Advances on Cotton _________________ _ Cashier's Checks __________ _ 
 
--------- 
343 51 
 
Adtiveasnc_e_s__o_n_ _o_t_h_e_r_ _C_o_m__m_ _o_d_i-_ 
 
________ _ 
 
Certified Checks _ ~- ________ _ Bills PayablE' -------------- 
 
35 135,100 
 
50 00 
 
Checks for Clearing House._ 
 
955 47 :'-Jotes and Bills Rediscounted 21,686 32 
 
Other Checks and Cash Items 2,517 64 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_-_-_ -_ _- -_ 
 
--------2,605 82 
 
and Acceptances ________ _ Reserve for Interest and TaxeH 
 
Other Assets: 
 
Other Liabilities: 
 
Rills of F.xchange ---------- 
 
525 00 Over and under Aeconnt _ __ _ 
 
44 31 
 
Total _____________________ $564,640 35 TotaL ___________________ .$564,610 3fi 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$498,308 82 Capital Stocl< Paid In _______ $ 50,000 00 Demand Loans ____________ _________ Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund-------------- 25,000 00 
 
United States Bonds _______  
 
156 85 Undivided Profits __ ------ _- 12,936 46 
 
Other Stocks and Bonds_____ _________ Dividends Unpaid _________ _ 
 
Banking- House------------- --------- Due to Banks in this State __ F1,1rniture and Fixtures_____ 3,879 32 Due to Banks in other States 
 
36 58 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 
 
Due from Banks in this State 20,872 38 Indi vidt'al Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 191,603 46 
 
States ___________________ 8,450 73 Demand Certificates of Deposit 
 
GCoulrdren_ _o_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Silver. Nickels. Pennies---~Advances on Cotton _________ Advances on other Commodi- 
ties ---------------------Checks for Clearing- House__ Other CheC"ks and Cash Items 
 
32,,860974 5000 1,444 78 --------- 
--------956 96 976 73 
 
TSaimviengC-serDtiefpicoastietss o_f__D__e_p_o_s_i_L_ 
 
76,925 94 50 27 
 
Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks ----------- l ,013 49 
 
Certified Checks _----------- 
 
395 81 
 
Bills Pa~able -------------- 185,000 00 
 
Note,; and Bills Rediscounted 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ____________________ _________ and A ccentances ________ - 
 
Overdrafts (if an~) _ __ __ __ _ l ,413 94 He,erve for Interest and Taxe,; 
 
Other AsRet,; --------------- --------- Otrer Liabilities------------ 
 
Total _____________________ $fi42,962 01 
 
TotaL ___________ ------ ---$542,962 01 
 
 FmsT ANNUAL REPORT 
 
251 
 
EXAMilii"EB'S B.EPOBT. 
 
BANK OF HEARD COUNTY, FRANKLIN. 
 
At Close of Business September 28, 1920. 
 
President-Frank S. Loftin. Vice-President-E. E. Lewis. Cashier-E. E. Lewis. 
 
Directors-Frank S. Loftin, E. E. Lewis, J. ,V. Daniel, 0. A. More, P. C. Whitley, 
C. J. Mcntgcmery, Jce. T . .Jackson, T. M. Awbrey, W. A. Ridley. 
 
Date of Charter-October 14, 1905. 
 
Began Business-October 18, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$142,869 34 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds_____ 
 
16,880 52 ________ _ 
 
Amt. Reserved for Branches Surplus Fund _____ --------- 
 
10,845 00 Undivided Profits _________ _ 
 
________ _ Dividends Unpaid _---- _---- 
 
17,000 00 7,952 87 
 
Banking House ------------ 2,844 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,054 54 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money _______________ _ 
 
Due from Banks in this State 4,358 61 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
1,132 18 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 71,462 11 
 
Currency ------------------ 2,611 00 Time Certificates of Deposit_ 22,175 00 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
250 1,686 
 
00 65 
 
Savings Deposits Cashier's Checks 
 
--------------------- 
 
39,943 29 6 33 
 
Advances on Cotton _________ Achances on other Commodi- 
ties ___ - _- __ -- _----------Checks for Clearing House __ 
 
--------- CBeilrltsifiPedayCabhleecks_____-_-_- ___-_-_____-_--_ 
--------- Xotes and Bills Rediscounted 245 41 Certificates of Deposit for 
 
10,000 00 
 
Other Checks and Cash Items Customers Liability on Let- 
 
1,762 38 Borro"red Money ________ _ LiRbility on Letters of Credit 
 
ters of Credit and Accept- 
 
Rnd Acceptances ________ _ 
 
ances ____ ________ ________ ________ _ (h'erdrafts (if any) ________________ _ Other Assets ______________ ________ _ 
 
Heserve for Interest and Taxes Other Liabilities _________ - __ 
 
TotRI --------------------$193,539 63 
 
Total --------------------$193,539 63 
 
BANK'S STATEMENT at Close of Business December 15, BZO. 
 
HESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$118,818 26 Demand Loans ------------- 16,889 53 
 
Capital Stock Paid Amt. Reserved for 
 
Tn _______ $ Branches 
 
25,000 
 
00 
 
Loans Secured by Real Estate United States Bonds-Liberty Other Stocks and Bonds_____ 
 
12,484 03 Surplus Fund -------------11,345 00 Undivided Profits----------_________ Dividends Unpaid _________ _ 
 
17,000 ou 
7,339 14 
 
Banking House ------------ 2,844 00 Due to Banks in this State __ Vurniture and Fixtures_____ 2, 05 4 54 Due to Banks in other States 
 
Other Real Estate Owned ____ , --------- Call Money ---------------Due from Banks in this State 6,538 01 Individual Deposits Subject 
 
Due from Banks in other 
 
CurSrteantce~s 
 
------------- __ -- _ _ _------- __ -- __ - _ _ _ 
 
1,005 94 10,150 00 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
2,2~5600 
 
00 24 
 
Advances on Cotton __________________ 
 
Advances on other Commodities _--- _-- __ --- ______ - ___ __ _ ___ __ _ 
 
Checks for Clearing House___ _________ 
 
to Check ----------------Demand Certificates of Deposit Time Certificates of Deposit_ 
 
S'fa'rvuisntgsl~uDnedpsoosints 
 
------Deposit_ 
 
---___ _ 
 
Cashier's Checks __________ _ 
 
Certified Checks ___________ _ Bills Payable __ -,- _________ _ 
 
Notes and Bills Rediscounted 
 
61,900 08 
21 ,77fi oo 
38,116 86 187 37 
15,000 00 
 
Other Checks ar>d Cash Items 1,4iS 90 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ - 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ___ - ___ - ____ -- __ - ___ ___ _ _ ___ _ and Acceptances ________ _ 
 
Overdrafts (if any) ____ - _ _ _ _ __ - ___ __ He serve for Interest and Taxes 
 
Other Assets----------------------- Other Liabilities----------- 
 
Total --------------------$186,318 45 
 
Total --------------------$186,318 45 
 
 252 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
PEOPLES BANK, FRANKLIN. 
 
At Close of Business September 29, 1920. 
 
President-A. J. Jackson. Vice-President-G. A. Adams. Cashier-G. A. Adams. 
 
Directors--A. J. Jackson, G. A. Adams, C. E. Adams, E. M. Trammell, J. R. Shelnut, Pierce Crews. 
 
Date of Charter-August 18, 1906. 
 
Began Business-September 5, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----- ___________ $ 82,850 20 Capital Stock Paid In_- ____ -$ 25,000 00 
 
Demand Loans ---------------16,139 07 Loans Secured by Real Estate --------- 
 
Amt. Reserved for Branches Surplus Fund __ ------- ____ _ 
 
United States Bonds________ 2,000 00 Undivided Profits---------- 
 
7,000 00 3,998 07 
 
Other Stocks and Bonds_____ ________ _ Dividends Unpaid __ - _------- 
 
60 00 
 
Banking House - __________ _ 2,000 00 
 
Furniture and Fixtures ____ _ 1,116 71 
 
Other Real Estate Owned ___ _ 3,150 00 
 
Due from Banks in this State 3,180,22 
 
Due from Banks in other 
 
States ------------------CGuolrdren-c-y-------_-----__--- -_-_-_-_-_-_-_-__-_--_ 
 
1,003 16 960 00 352 50 
 
Silver, Nickels, Pennies ____ _ 
 
613 01 
 
Advances on Cotton _________ --------- 
 
Due to Banks in this State __ CDaulel tMo oBnaenyks__i_n__o_t_h_e_r--S_t_a_t_es_ 
Individual Deposits Subject 
DetomaCnhdeCckert-i-fi-c-a-t-e-s-o--f -D-e--p-o-s-it Time Certificates of Deposit_ Savings Deposits __________ _ Trust Funds on Deposit_ ___ _ Cashier's Checks ____ ---- _-- 
 
38,201 25 
2, 709 34 2,900 00 
 
Advances on other Commodities __ --------- ___ _ _ __ _ __ _ 
 
________ _ CBielrltsifiPedayCabhleecks_____________-_-_-_-_-_--_ 
 
35,000 00 
 
Checks for Clearing House __ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
497 22 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _____ - __ - 
 
ters of Credit and Acceptances __ ------- __ _ _ __ _ _ __ _ 
 
________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Overdrafts (if any) _______ _ Other Assets __ - __ _ _ _ __ _ _ __ 
 
_ _1_,_0_0_6_ _57_ 
 
Reserve for Interest and Taxes Other Liabilities _____ - __ ---- 
 
Total _____________________ $114,868 66 Total _____________________ $114,868 66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
----------------$ Time Loans 
Demand Loans ------------- 
oo Loans Secured by Real Estate 
United States Bonds _______ _ 
 
70,247 16 10,560 70 
2,000 00 
 
Capital Stock Paid In _______ $ 25,000 00 
 
Amt. Reserved for Branches 
 
USunrdpilvuisdedFuPnrdofi-t-s --_-_-_-_-_-__-_-_-_--_ 
 
7,000 3,912 03 
 
Other Stocks and Bonds ____ _ --------- Dividends Unpaid----------- 
 
40 00 
 
Banking House -----------Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
2,000 00 Due to Banks in this State __ 
 
1,116 3,150 
 
0710 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 4,192 70 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------SGiol vl de r ,- -N- -i -c k- -e-l s-,- -P-e- n- -n-i e- s- -_-__-_- -_ 
 
33 25 Detmo aCndheCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 9,933 00 Time Certificates of Deposit_ 
402 50 Savings Deposits __________ _ 850 24 Trust Funds on Deposit_ ___ _ 
 
53,743 44 
2,900 00 
 
Advances on Cotton ________ _ 
 
CaRhier's Checks __________ _ 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- 
 
Certified Checks ___________ _ Bills Payable _____________ _ 24,000 00 
 
Checks for Clearing House __ 3,560 70 1'\otes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_-_ -_ -_ 
 
Liability on Letters of Credit and Acceptances ________ _ 
1,089 44 Reserve for Interest and Taxes 
 
Other As:-;ets: 
 
Other Liabilities------------ 
 
County Warrants ---------- 7,459 07 
 
Total --------------------$116,595 47 Total --------------------$116,595 47 
 
 FIRST ANNUAL REPORT 
 
253 
 
EXAlllliNEB.'S BEPOBT. 
 
THE CITIZENS BANK, GAINESVILLE. 
 
At Close of Business Decembe.r 16, 1920. 
 
. President-J. C. Pruitt. Vice-Presidents-J. C. Hosch, M. W. Webb. Cashier-C. L. Newton. 
 
Directors-J. M. Hulsey, W. A. Roper, J. N. Rogers. 
 
Date of Charter-May 19, 1920. 
 
Began Business-June 2, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$757,318 50 Capital Stock Paid In .... _.. $ 50,000 00 
 
Demand Loans ------------- 7,172 64 Amt. Reserved for Branches Loans Secured by Real Estate ______ . __ Surplus Fund -------------United States Bonds __ ___ __ _ 66,450 00 Undivided Profits _______ -- _ 44,998 30 
 
OB at hnekri nSg t oHcokus s ea n_d_ _ _B_o_n_d_s_._._._._ 
 
-_-_-_-_ _- _-_-_- -_ 
 
Dividends Unpaid _______ - __ Due to Banks in this State.. 
 
20,371 98 
 
Furniture and Fixtures. ___ . Other Real Estate Owned .... 
 
5,078 76 _______ __ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in other 
 
--------- 
 
Individual Deposits Subject to Check ___ - ____ --- __ - __ 259,703 92 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i -c -k-e-l s-,- -P- -e-n-n-i-e-s-. -_-_-_ -. Advances on Cotton _______ __ 
 
86,689 82 25,398 00 
920 00 5, 722 05 2,616 11 
 
Demand Certificates of Deposit Time Certificates of Deposit. 28,395 00 Savings Deposits ________ --. 322,629 08 Trust Funds on Deposit._-._ Cashier's Checks __ .. ------- 2,305 57 
 
Advances on other Commodi- 
 
Certified Checks .. __ -.-- .. -- 
 
ties -. __ --. __ -- ___ .--. __ - . ________ . Bills Payable __ - ____ - __ .. --- 247,500 00 
 
Checks for Clearing House.. 4,134 07 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 6,496 40 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _- .... --. 
 
atenrcsesof__C- r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
Liability on Letters of Credit and Acceptances _.-- .. -.- 
 
Overdrafts (if any) -------- 10,114 71 Reserve for Interest and Taxes . -- .. _.. _ 
 
Other Assets: 
 
Other Liabilities -- .... --.- .. 2,228 62 
 
Revenue Stamps ------------ 
 
21 41 
 
Total --------------------$978,132 47 Total --------------------$978,132 47 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$764,516 87 Capital Stock Paid In ....... $ 50,000 00 Demand Loans __ __ __ __ __ __ _ 4,892 35 Amt. Reserved for Branches '"Rns Secured by Real Estate ________ . Surnlus Fund ____________ __ United States Bonds __ __ __ __ 66,450 00 Undivided Profits ___ .. ___ .. _ 44,835 22 
 
ORathnekrinSg toHcokussean_d_ ..B_o_n_d__s_._... ._ 
 
-__- -_-_-_-__-_- -_ 
 
Dividends Unpaid ---------Due to Banks in this State . 
 
21,725 09 
 
Furniture and Fixtures .. ___ Other Real. Estate Owned . . __ 
 
5,078 76 ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_te__s 
 
Due from Banks in this State Due from Banks in other 
CuSrtraetnecsy --_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_-_ 
Gold ~---------------------Silver, Nickels. Pennies ___ __ P. dvances on Cotton _. ___ . __ _ Advances on other Commodi- 
Chteiecsks --fo--r -C--l-e-a-r-in-g---H-o-u--s-e-._Other Checks and Cash Items Customers' Liability on Let- 
 
47,737 42 
35,384 39 25,071 00 
920 00 5. 664 99 2,616 11 
.- _-_-_-_-_-_-_- -. 8,721 26 
 
Individual Deposits Subject Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 254,813 30 Time Certificates of Deposit. 28,8 95 00 Saving-s Deposits . __ . _:. __ . 324,125 72 'f'rust Funds on Deposit .... _ Cashier's Checks ___ .. _____ _ 3,300 07 Certified Checks . __ . _. __ . __ . Bills Payable .. ___________ _ 2!7,500 00 "."ote~ ard Bills Rediscounted Certificates of Deposit for 
Borrowed Money . _.. __ ... 
 
ters of Credit and Accept- 
ances -~-----------------Overdrafts (if any) ________ . Other Assets: 
 
Lfabilitv on Letters of Credit and Accentances _- ... _- .. 
8,119 84 Reserve for Interest and Taxes Other Liabilities __________ _ 
 
flE"YPnne Stamp:-; ----------- 
 
21 41 
 
Total --------------------$975,194 40 Total --------------------$975,194 40 
 
 r 
! 
 
I 
 
254 
 
BANKING DEPARTMENT 
 
EXAlllliNEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, GAINESVILLE. 
 
At Close of Business November 3, 1920. - 
 
President-Felix Jackson. Vice-Presidents-IHayne Palmour, .J. A. Rudolph. 
Cashier-A. G. Maxwell. Directors-Felix Jackson, G. E. Pilgrim, D. W. Ande'l'son, Hayne Palmour, E. C. 
Palmour, C. H. Martin, B. S. Barker, .J. A. Rudolph, G. J. Haynes, \Y. H. MuncY. 
 
Date of Charter-November 19, 1913. 
 
Began Bu'siness-December 2, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$308,625 98 Capital Stock Paid In _______ $ 75,000 00 
 
Demand Loans ------------- 91,035 S6 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund -------------- 6,500 00 
 
United States Bonds -------- 16,764 26 Undivided Profits ----------- 2,588 71 
 
Other Stocks and Bonds_____ 1.496 88 Dividends Unpaid----------Banking House, Improvements 4,724 77 Due to Banks in this State __ 
 
110 00 
 
Furniture and Fixtures_____ 4,189 13 Due to Banks in other States Other Real Estate Owned ____________ _ Call Mone) ________ ------ __ 55,000 00 Due from Banks ____________ 12,602 14 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 178,884 53 
 
States ------------------- ________ _ Demand Certificates of Deposit 
 
Currency -----------------GS iollvde r .-  N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-__-_- -_ 
 
2,~82 00 Time Certificates of Deposit_ 7,966 Hi 125 00 Savings Deposits ----------- 73,886.30 861 32 Trust Funds on DeposiL-- __ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 
 
Adtvieasnc_e_s_ _o_n__o_t_h_e_r_ _C_o_m_ _m_ _o_d_i-_ 
 
Certified Checks _______ --- __ ________ _ Bills Payable _____________ _ 
 
50,000 00 
 
Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
220 75 Certificates of Deposit for 
 
Customers' Liabilit:- on Let- 
 
Borrowed Money __ ------- 
 
ters of Credit and Accept- 
 
Liability on Letter" of Credit 
 
ances _ __ _ __ _ __ _ _ _ __ _ __ ___ __- _- ___ _ and Acceptances _------ _- 
 
Overdrafts (if any) _______ _ Other A SS40'ts: 
 
4,208 u 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
350 00 
 
Depositors' Guarantee Fund_ 2,913 15 
 
Cash Short ----------------- 
 
36 31 
 
Total --------------------$450,285 69 Total --------------------$450,285 69 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$212,48! 10 Capital Stock Paid In_---- __ $ 75,000 00 
 
Demand Loans ------------- 53,400 97 Amt. Re><erved for Branches 
 
Loans Secured by Real Estate United States Bonds -------- 
 
37.565 16,764 
 
12 26 
 
SDuivrpidluens dsFuUndnpa-i-d---_-_-_-_-_-_-_-_-_-_ 
 
6,500 00 26 00 
 
Other Stocks and Bonds_____ 22,096 88 Undivided Profits ---------- 1,458 36 
 
Furniture and Fixtures and 
 
Due to Banks in this State __ 35,249 27 
 
OtIhmerprRoevaelmEesnttaste -O-w--n-e-d-_-_-_-_- 
 
8,966 90 ________ _ 
 
DuP to Banks in other States Call Money __________ ---- __ 
 
25,000 00 
 
Due from Banks in this State 40,662 38 IndividFal Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 158,967 9t 
 
States Cu rrenc~: --__-_-_-.--_-_-_-__-_-_-_-_-_-_-_--_ 
 
4,863 69 Demand Certificates of Deposit 16,634 00 Time Certificates of Deposit_ 
 
6,591 15 
 
Gold ----------------------- 
 
170 00 Savings Deposits ----------- 70,629 05 
 
Silver, Nickels. Pennies ____ _ 2,199 95 'l'rust Funds on DeposiL-- __ 
 
Advances on Cotton. _______ _ 
 
Cashier's Checks ----------- 
 
847 72 
 
Adtvieasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i-_ 
 
Certified Checks ___ -- __ --- __ Bills Payable -- __ --- __ - _- __ 45,000 00 
 
Checks for Clearin~ House __ 3,319 04 "Jotes and Bills Rediscounted 
 
Otller Checks and Cash Items 
 
594 35 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- -( i-f- -a-n-y- )- -U-n- -s e-c-u- -r P- -d Overdrafts (if any) R<>cured _ 
 
and Acceptances -- _---- _- 
7 ss Reserve for Interest and Taxes 
2.977 42 Otlwr Liabilities ________ - __ 
 
350 00 
 
Other Aflsets: 
 
nepositon;' Guarantee F'und _ 2.9n H> 
 
Total --------------------$425,619 49 Total --------------------$425,619 49 
 
 FIRST ANNUAL REPORT 
 
255 
 
EXAMINER'S REPORT. 
 
STATE BANKING COMPANY, GAINESVILLE. 
 
At Close of Business August 14, 1920. 
 
President-T. E. Atkins. Vice-President~R. J. Sanders. Cashier-W. R. \Vinburn. 
 
Directors-T. E. Atkins, R. J. ~'landers, \\'. R. Winburn. Geo. P. I<Jstes, S. B. Carter. 
 
Date of Charter-1888. 
 
Began Business-1888. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$425,000 00 Capital Stock Paid In _______ $ 75,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ------Other Stocks and Bonds ____ 
 
10,000 00 Amt. Reserved for Branches 
 
34 633 20 22:209 00 --------- 
 
US unrdpi vl ui dse dF uPnrdo f i-t s- - -_ -_ _- _- _-_-_-_-_-_- -_ Dividends Unpaid _________ _ 
 
30,000 oo 
16,294 31 
 
Banking House ------------- --------- Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned.___ 
 
5,100 00 ________ _ 
 
CDaulel 
 
tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_te__s 
 
Due from Banks in this State 19,968 06 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
10,415 87 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 194,062 61 
 
CGuolrdren_c_y____-_-_-_-_-_-_-_-_-_-- -_-_-_-_-_-_-_ 
 
_ _5_,9_8_0___00_ 
 
Time Certificates Savings Deposits 
 
of Deposit. ----------- 
 
130,104 
 
45 
 
Silver. Nickels, Pennies_____ 
 
993 8 7 Trust Funds on Deposit ____ _ 
 
Advances on Cotton_________ __ ______ _ Caslner's Checks __ -- __ -- __ _ 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
112 25 
 
ties ---------------------- --------- Bills Payable _____________ _ 9fi,OOO 00 
 
Checks for Clearing House._ 5,473 60 Notes and Bills Rediscounted 
 
Ot!1er Checks and Cash Items 10,320 91 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ____ -- __ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ___ ---- _-- __ -------- ------ --- and Acceptances ________ _ 
 
Overdrafts (if any) --------- 2,618 26 Reserve for Interest and Taxes 
 
Ot!1er Assets: 
Revenue Stamps ----------Transit Account ------------ 
 
28 00 2,825 46 
 
ODethpeorsitLoirasbil_i_ti_e_s_:___________ _ Cash Long ________________ _ 
 
14,976 03 16 58 
 
Total --------------------$555,566 23 
 
Total ____________________ $555,566 23 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCI<JS 
 
LIABILITIES 
 
Time Loans ----------------$383,667 86 Capital Stock Paid In _______ $ 75,000 00 Demand Loans __ _ __ __ __ _ __ _ 3,500 00 A mt. ReFerved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
28,230 00 21,094 00 
 
SUunrdpilvuids edFuPndrof-it-s---_-_-_-__-_-_-_-_--_ 
 
30,000 00 14,980 26 
 
Other Stocks and Bonds ____________ _ Dividends Unpaid ________ __ 
 
Banking House _____________ ________ _ Due to Banks in this State._ 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
5,100 00 --------- 
 
CDaulel tMo oRnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 25,509 57 Individufll Deposits Subject 
 
Due from Banks in other States-------------------- 
 
10,638 36 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 164,982 19 
 
Currency ------------------ 9,952 00 Time Certificates of Deposit. 105,698 76 
 
Gold ----------------------- ________ _ Savings Deoosits ----------- 
 
Silver, Nickels. Pennies___ 
 
1.174 39 'f'rust Funds on Deposit. ___ _ 
 
Advances on Cotton_________ 1,596 72 Cashier's Checks __________ _ 
 
Adtvieasnce__s __o_n__o_t_h_e_r.__C_o_m_ _m__od__i-_ 
 
________ _ 
 
Certified C\1ecks ___ ------- __ Bills Payable ___ - __ - __ ---- __ 
 
36 110,000 
 
fiO 00 
 
Checks for Clearing- House._ 
 
806 89 ;\Totes and Bills Rediscounted 
 
Other Checks and Cash Items 1,033 38 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ____ - ___ _ 
 
ters of Credit and Accept- 
 
Liabilitv on Letters of Credit 
 
ances -------------------- --------- and Accentances _____ - __ _ 
 
Overdrafts (if any) -------- 3,148 49 Reserv<' for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities __________ _ 
 
Cash Items in Transit______ 5,218 05 
 
Revenue Stamps ____ _ ____ __ 
 
28 00 
 
Total --------------------$500,697 71 Total --------------------$500,697 71 
 
 "'r""' """"""_..,._...,.,.,,,.,.,.,,._,_..,,,.,_~.,.,.,v~T-c~"~ 
I 
 
256 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.T. 
 
FARMERS & MERCHANTS BANK, GARFIELD. 
 
At Close of Business July 10, 1920. 
 
President-J. A. Chapman. Vice-President-H. H. Stewart. Cashiecr-D. M. Cason. 
 
Directors-.J. A. Chapman, H. H. Stewart, R. T. Chance, 0. F. Cowart, R. N. Gay, 
 
J. R. James, J. R. Johnson, N. A. Deal, J. J. Anderson. 
 
Date of Charter-January 9, 1911. 
 
Began Buisness-February 16, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 74,133 55 
 
Demand Loans ------------- 
 
118 54 
 
Loans Secured by Real Estate 3,573 Oo 
 
United States Bonds ------- 5,050 00 Other Stocks and Bonds ____ _ 
 
Banking House ------------Furniture and Fixtures ____ _ Other Real F::state Owned ___ _ 
 
4,207 48 3,189 46 
 
Due from Banks in this State 8,918 88 
 
DuSetatfersom___B__a_n_k_s___i_n___o_t_h_er_ 5,839 08 
 
GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ 
 
1,615 00 
360 00 1,004 76 
 
Advances on Cotton _________ --------- 
 
Adtvieasnc_e_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i-_ 
 
Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,381 00 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_-_-_-_ _- -_ Other Assets _____________ _ 
 
6 30 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 1,500 00 Undivided Profits ----------- 7,742 57 Dividends Unpaid ---------Due to Banks in this State __ 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 46,240 37 Time Certificates of DeposiL 28,668 87 
 
CSaavshiniegrs'sDCephoesciktss -_-_-_-_-_-_-_-_-_-_-_ Certified Checks ___________ _ Bills Payable ______________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
245 24 10,000 00 
 
Liability on Letters of Credit and Acceptances _--- _- __ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$109,397 05 Total --------------------$109,397 05 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n-s- - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
Loans Secured by Real Estate United States Bonds ______ _ Other Stocks and Bonds ___ _ 
 
Banking House ------------- 
b~~~~trt~~l a~~tar~x6~~~d:::: 
 
Due from Banks in this State Due from Banks in otber 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-_-_ -_ 
 
Advances on Cotton_---_- __ _ 
 
Advances on other Commodities __ ---- _______________ _ 
 
Checks for Clearing House __ 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
Ovaenrcdersaf-ts- 
 
- 
 
- 
( 
 
-i f- -a-n-y- )- 
 
- 
 
-_-_-_-_ 
 
---_-_ 
 
-_ 
 
Other Assets _____________ _ 
 
56,995 19 113 54 
8,839 95 5,050 00 
4,207 48 3.189 46 
6,884 36 
1,941 80 760 00 360 00 327 15 
600 00 917 16 
 
Capital Stock Paid In ______ -$ Amt. Reserved for Branches Surplus Fund -------------UDnivdiidveidnedds PUrnopfaitisd --_-_-_-__-_-_-_-_--_ 
Due to Banks in this State __ CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
Individual Deposits Subject 
Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of DeposiL Savings Deposits __________ _ Trust Funds on Deposit_ ___ _ 
Cashier's Checks ----------CB ielrl Rt i f i ePda yCa bh leec k s_ _ _- _- _- _- _- _- _- _- _- _- _- -_ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances ________ _ Reserve for Interest and Taxes Other Liabilities __________ _ 
 
15,000 00 3,000 00 5,414 02 
35,844 51 25,622 68 
304 88 5,000 00 
 
Total --------------------$ 90,186 09 Total --------------------$ 90,186 09 
 
 FIRST ANNUAL REPORT 
 
257 
 
EXAMINEB'S BEPOBT. 
 
BANK OF GIBSON, GIBSON. 
 
At Close of Business November 13, 1920. 
 
President-W. H. Ferguson. Vice-Bres'ident-B. F. Walker. 
 
Cashier-W. P. Ferguson. 
 
Directors-W. H. Ferguson, B. F. Walker, E. P. Davis. 
 
Date of Charter-November 7, 1905. 
 
Began Business-November 27, 1905. 
 
RESOURCES 
 
LIABILITIES  
 
Time Loans ______________ .$ Demand Loans ___________ _ 
Loans Secured by Real Estate United States Bonds. ______ _ Other Stocks and Bonds ___ _ Banking House ____________ _ Furniture and Fixtures ____ _ Other Real Estate Owned. __ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iol vl de r ,- -N- -i -c k- -e-l s-,- -P- -e-n-n-i -e-s -_-__-_- -_ Advances on Cotton.-----_-Advances on other Commodi- 
Chteiecsks--fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f t-s- - -( i-f- -a-n-y-)- - -_-_-_-_-__-_- -_ 
Other Assets: U. S. Treas. Cert. of Ind. ___ _ State of Ga. School Wts. __ _ 
County Warrants ----------- 
 
10,727 74 20,030 96 
3,734 87 1,633 51 13,018 97 2,173 00 
225 8S 
504 74 15,356 25 
5,360 00 373 38 
 
Capital Stock Paid In _______ $ 15,000 00 
 
Amt. Reserved for Branches 
 
USunrdpivluids edFuPndrof-it-s---_-_-_-_-_-__-_----_ Dividends Unpaid _____ - ___ _ 
 
3,501 70 
 
Due to Banks in this State._ DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
IndtoiviCdhueacl k D_e_p_o__si_t_s___S_u_b_j_e_c_t 
Demand Certificates of Deposit Time Certificates of DeposiL Savings Deposits ----------Trust Funds on Deposit __ - _ CCearsthifiieerd's CChheecckkss __-_-_-_-_--- -_-__-_--_ Bills Payable ______________ _ 
 
54,152 84 483 76 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money __ ---- --Liability on Letters of Credit 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities ----------- 
 
Total --------------------$ 73,138 30 Total --------------------$ 73,138 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 7,631 35 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
325 78 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Certificates __ _ GBaeonrkginiag SHcohouosel W __a__rr_a_n__t_s_- ____ __ 
 
29,591 15,356 
 
2250 
 
5,360 00 
 
3,000 00 
 
USunrdpilvuids eFd unPdrof-it-s---_-_-_-_-_-__-_-_--_ Dividends Unpaid _________ _ Due to Banks in this State._ 
 
15,000 00 6, 711 77 
 
Furniture and Fixtures __ - __ 1,633 51 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 
 
Call Money __ -- __ -- _------ _ 
 
Due from Banks in this State 11,745 04 Individual Deposits Subject 
 
Due from Banks in other States - _--- __ -- _________ _ 
 
Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 56,327 40 
 
GCoulrdr e n_c_y_ _ _ _- _- _- _- _-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ Advances on Cotton" _______ _ 
 
3,585 00 Time Certificates of Deposit. 
 
Savings Deposits ----------- 
 
113 
 
55 
 
Trust Funds on Deposit __ -Cashier's Checks __________ _ 
 
405 82 
 
Advances on other CommodiC htei ecsk s - -f o- -r - -C-l-e-a-r-i n-g- - -H-o-u- -s e- -__- 
 
CBeilrltsifPieadyaCbhleeck_s_____-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
C'ertificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- -(-i-f -a-n- -y-) - -_-_-_-_-_-__- _- -_ Other Assets _____________ _ 
 
and Acceptances ____ - __ -103 31 Reserve for Interest and Taxes 
Other Liabilities _-- _------- 
 
Total --------------------$ 78,444 99 Total --------------------$ 78,444 99 
 
 258 
 
BANKING DEPARTMENT 
 
EXAMilii'EB.'S BEPOBT. 
 
BANK OF GILLSVILLE, GILLSVILLE. 
At Close of Business September 14, 1920. 
 
Presldent-J. A. Bryan. Vrce-President-C. J. Meadows. Cashier-John Bryan. 
 
Directors-J. A. Bryan, C. J. Meadows, John Bryan, J. 0. Bryan, J. M. Garrison, 
 
D. A. Parks. 
 
Date of ChaTter-September 6, 1911. 
 
Began Business-October 10, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$127,763 48 Capital Stock Paid In _______ $ 15,000 00 Demand Loans ____________ _________ Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund ------------UOnthiteerd SStotactkess aBnodndBson-d-s-_-_-_-_- ___3_5_0__0_0_ UDnivdiidveinddeds UPrnopfaiitds -_-__-_-_-_-__-_--_ 3,471 31 
 
Banking House ------------- 2,158 50 Due to Banks in this State __ Furniture and Fixtures_____ 1,869 58 Due to Banks in other States 
 
Other Real Estate Owned ____ Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency -----------------Gold ----------------------Sliver, Nickels, Pennies_____ Advances on Cotton_________ 
 
--------- Call Money ---------------13,681 65 Individual Deposits Subject 
to Check ----------------1,552 22 Demand Certificates of Deposit 1,051 00 Time Certificates of DeposiL 
105 00 Savings Deposits ----------1,138 70 Trust Funds on Deposit ---_________ Cashier's Checks ------ _---- 
 
39,469 41 57,994 44 
312 44 
 
Advances on other Commodities _--- __ -------- _______ _ 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liabllity on Let- 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
_ _ __ __ _ _ _ 222 93 
3,009 10 
_________ 
 
Certified Checks -----------Bills Payable ------------- _ Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------LiaanbdilitAycocnepLtaentcteerss -o-f--C-r-e-d-i-t 
 
35,000 00 
 
Overdrafts (If any) -------- 1,263 29 Reserve for Interest and Taxes 
 
Other Assets -------------- --------- Other Llabllitles ----------- 
 
Total --------------------$154,165 45 ToTal --------------------$154,165 45 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCJJ]S 
 
LIABILITIES 
 
----------------$ TDiemmeanLdoaLnosans ____________ _ 
 
89,995 33 1,929 68 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches 
 
--------- ULonaitnesdSSectautreesd bByonRdesal_E__s_t_a_te_ 
OBathnekrinSgtoHcokus saend___B_o_n_d__s________ __ 
 
14,749 61 350 00 
 
Surplus Fund ------------Undivided Profits ___ - _-- _- _ Dividends Unpaid _________ _ 
 
2,158 50 Due to Banks in this State __ 
 
1,653 65 
 
--------- Furniture and Fixtures ____ _ 
Other Real Estate Owned ___ _ 
 
2,555 42 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks In this State 12,034 59 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- e- n- -n-i e- s- -_-__-_- -_ Advances on Cotton ________ _ Advances on other Commodi- 
 
1,788 04 5,100 00 
115 00 823 02 
--------- 
 
DetomaCnhdeCckert-i-fi-c-a-t-e-s-o"f--D-e-p-o--s-it Time Certificates of DeposiL Savings Deposits ----------Trust Funds on Deposit ---- 
Cashier's Checks ----------Certified Checks ------------ 
 
29,819 98 3,100 00 
29,561 49 
5,442 37 
 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n-g- - -H-o-u- -s e- -__- 
 
Bills Payable -------------- 47,500 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
92 74 Certificates of Deposit for 
 
Customers' Liabllity on Let- 
 
Borrowed Money __ ------- 
 
atenrcsesof__C_r-e_d__it- _a_n_d_ -A_-c_c-e_p-t-_ Overdrafts (if any) ______ - _ Other Assets _____________ _ 
 
Liability on Letters of Credit and Acceptances --------- 
385 56 ORethseerrveLifaobriIlnittieerses_t_a_n_d__T-a_x__es_ 
 
Total --------------------$132,077 49 Total --------------------$132,077 49 
 
 FIRST ANNUAL REPORT 
 
259 
 
EXAMINEB'S BEPOB'.E'. 
 
BANK OF GIRARD, GIRARD. 
 
At Close of Business September 30, 1920. 
 
President-W. V. Stephens. Vice-Presidents-W. P. Sanders, L. B. Royal. 
 
cashier-W. V. Stephens. 
 
Directors-W. V. Stephens, G. 0. Buxton, W. P. Sanders, L. B. Royal, S. J. Odom. 
 
Date of Charter-April 27, 1906. 
 
Began Business-July 30, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ____ ----- ______ .$147,393 72 Capital Stock Paid In-------$ 15,000 00 
 
Demand Loans ------------- 24,451 20 Amt. Reserved for Branches ~------- 
 
Loans Secured by Real Estate United States Bonds ------- 
 
__ - __ -- __ 7,190 00 
 
US unrdpi vl ui ds e dF uPnrdo f i-t-s- -_-_-_-__- -- -_-_-_-_-_ 
 
230,,097004 0100 
 
Other Stocks and Bonds.____ ________ _ Dividends Unpaid ---------- --------- 
 
Banking House ------------Furniture and Fixtures_____ 
 
1,800 00 2,200 00 
 
DDuuee ttoo BBaannkkss iinn oththiserSStatatetes 
 
_-_-_-_-_-_-_-_- -- 
 
Other Real Estate Owned ____ --------- Call Money ---------------- --------Due from Banks in this State 3,880 56 Individual Deposits Subject 
 
DuSetatfersom___B__a_n_k-s- __in___o__th__er_ 
 
to Check ---------------- 68,156 60 677 69 Demand Certificates of Deposit - _-- ____ - 
 
CGuolrdren_c__y_ ------__-_--- ------------------------ 
 
7,146 00 Time Certificates of Deposit. 101,298 17 35 00 Savings Deposits ----------- --------- 
 
Silver, Nickels, Pennies.- __ _ Advances on Cotton _______ _ 
 
1,322 68 12,327 94 
 
Trust Funds on Deposit ---Cashier's Checks ----------- 
 
--------2,737 21 
 
Advances on other CommodiChteiecsks _fo--r __C_l_e-a-ri-n-g---H-o-u-s-e-_-_- 
 
_- -_-__- _-_-_-_- -_ 
 
BCeilrltsifPieadyaCbhleeck_s_______- _____--____-_-_-_Notes and Bills Rediscounted 
 
-- -__-_- ___-_.___. - _____ - __ 
 
Other Checks and Cash Items --- ___ -- _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ ________ _ LiaanbidliAtyccoenptLanectteesrs__o_f__C_r_e_d_i_t - _______ - 
 
Overdrafts (if any) ________ Other Assets ---- _____ --- ___ 
 
________ _ ________ _ 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
- __ --- ----------- 
 
Total --------------------$211,166 08 Total --------------------$211,166 08 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$119,971 18 Capital Stock Paid In .. $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
36,851 49,093 
 
54 00 
 
ASumrpt.luRs eFseurnvded- _f_o_r_ -B-r-a-n_c_h__es- 
 
- ___ ----3,000 00 
 
United States Bonds ------Other Stocks and Bonds _____ 
 
6,740 00 --------- 
 
DUinvdidiveinddesd UPnrpoafiidts _-_-__-_--- -__, ____ __ 
 
21,596 27 350 00 
 
Banking House ------------- 1,800 00 Due to Banks in this State. --------- 
 
Furniture and Fixtures_-___ Other Real Estate Owned. ___ 
 
2,200 00 --------- 
 
DCaulel tMo oBnaenyks__i_n_ -o-t_h_e_r_ -S_t_a_te_s_ 
 
-_ _______-_-_- ____ 
 
Due from Banks in this State 6,988 99 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 44,681 15 
 
States ------------------- 
 
408 05 Demand Certificates of Deposit ----- _--- 
 
Currency ___ --------------- --- __ ---- Time Certificates of Deposit. 103,503 52 
 
Gold _______ -- _------------Silver, Nickels. Pennies_____ 
 
--------6,508 89 
 
TSarvuisntgFs uDnedpsoosintsD-e-p-o-s-i-t--_-_-_-_ 
 
_- _-_-_-_-_-_-_- -_ 
 
Advances on Cotton _________ Advances on other Commodi- 
 
--------- 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_-_-_ 
 
- __5__9_1 - 8__1 
 
ties --- _--- --- ______ -- -- _ --- _____ _ Bills Payable -------------- 30,000 00 
 
Checks for Clearing House__ 
 
139 18 Notes and Bills Rediscounted 12,000 00 
 
Other CheckR and Cash Items Customers' Liability on Let- 
 
__ - _____ _ CeBrtoirfricoawteesd MofoneDyep_o_s_i_t__f_o_r_ 
 
________ _ 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ ________ _ LiaanbdiliAtyccoenptLanectteesrs__o_f_C__r_e_d_i_t _ _______ _ 
 
Overdrafts (if any) Tempor- 
 
Reserve for Interest and Taxes - ___ ----- 
 
Otahreyr A--s-s-e-t-s--_-------_-_-_-_-_-_-_-_-_-_-_ _____2_1__92_ Other Liabillties ----------- --------- 
 
Total --------------------$230,722 75 Total ______________ -- ___ .$230,722 75 
 
 260 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
FARMERS& MERCHANTS BANK, GIRARD. 
 
At Close of Business October 8, 1920. 
 
President-J. F. Odom. Vice-President-J. B. Heath. Cashier-Jas. L. Burt. 
Directors-J. F. Odom, J. B. Heath, A. L. Heyman, J. Fred Claxton, Geo. w. 
Perry, S. J. Odom, T. A. Buxton. 
 
Date of Charter-August 10, 1920. 
 
Began Business-October 9, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ ________ _ Demand Loans ____________ ________ _ 
Loans Secured by Real Estate ________ _ 
 
Capital Stock Paid In ______ -$ SAumrtp.luRsesFeurvnedd _fo__r__B_r_a_n_c__h_es_ 
 
20,000 
 
00 
 
United States Bonds ________ --------- Undivided Profits __________ _ 
 
OB at hnekri nSgt oHc kosu saen d_ _B_o_n_d_s_ __________ 
 
-_-_-_-_ _- _-_-_- -_ 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Furniture and Fixtures _____ Other Real Estate Owned ____ 
 
----------------- 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in other 
 
________ _ 
 
IntdoivCidhueaclk D__e_p_o__s_it_sc _S__u_b_j_e_c_t 
 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ Gold ------ ___ ______________ Silver, Nickels, Pennies_____ Advances on Cotton _____ -___ 
A dt vi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
Checks for Clearing House __ Other Checks and Cash Items 
 
_2_0_,0_0_0___00_ ________ _ _ _______ _ ________ _ 
________ _ --------________ _ 
 
Demand Certificates of Deposit Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposi L ___ _ CCearsthifiieerd's CChheecckkss _-_-_-__-_-_-_-_-_-_--_ 
Bills Payable --------------Notes and Bills Rediscounted Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
atenrcsesof--C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t-_ 
 
_____ ,. __ _ 
 
Liability on Letters of Credit and Acceptances _____ - __ _ 
 
OO tvheerrd rAa fstsse t s( i f_ _a_n_y_)_ _-_-_-_-_-_-_-_-_ 
 
_- -_ -_ _- _- _- _- _- -_ 
 
Reserve Taxes 
 
for. Interest and ------------------- 
 
other Liabilities----------- 
 
Total ---------------------$20,000 00 Total ---------------------$20,000 00 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _- ____ -- _____ - _$ 13,939 46 Capital Stock Paid In _______ $ 20,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds- ___ _ 
Banking House -----------Furniture and Fixtures ____ _ Due from Banks in this State 
 
1,067 48 11,18f. 70 
--------- 
--4-,5-6-3---1-4 
2,046 65 1'724 31 
 
SAumrtp.luRs esFeurvnedd _f_o_r__B_r_a_n__c_h_es_ Undivided Profits _________ _ Dividends Unpaid _________ _ 
Due to Banks in this State __ CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
 
2,557 09 1,489 00 
15 00 268 36 
--------- 
 
DetomaCnhdeCckert-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits __________ _ Trust Funds on Deposi L- __ _ Cashier's Checks ----------- 
 
11,162 73 2,000 00 
85 
 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n-g- - -H-o- u- -s-e-_-_ 
 
Certified Checks - __ --------Bills Payable--------------- 10,000 00 
 
.Other Checks and Cash Items 3, 701 48 Note!' and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
O vaenrcdersa f -t s- - -( i-f- -a-n-y-)- - -_-_-_-_ _-_-_- -_ 
 
Liabili t:v on LPtters of Credit and AcceptanC'es ------- __ 
 
Other Assets: 
 
Reserve for Interest: and 
 
Initial Expense, State, Bldg., Eetxcc.,haLnegses _I_n_t_._, __D_i_s_c_.__a_n_d_ 
 
Taxes ------------------Other Liabolities _ --------605 91 
 
Total --------------------$ 43,163 58 Total --------------------$ 43,163 58 
 
 FIRST ANNUAL REPORT 
 
261 
 
EXAMINEB.'S BEPOB'l'. 
 
GLENNVILLE BANK, GLENNVILLE. 
 
At Close of Business July 26, 1920. 
 
President-W. F. Durrence. Vice-President-C. W. Kicklighter. Cashier-J. A. Jones. 
 
Directors-vV. F. Durrence, J. I. Durrence, H. J. Banks, J. E. Kirkland, J. D. Kennedy, W. A. Dubberly, J. T. Morgan. 
 
Date of Charter-January 12, 1905. 
 
Began Business-January 15, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----~-----------$390,714 47 Capital Stock Paid In _______ $ 60,000 00 
 
Demand Loans ------------- 35,511 31 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
--------14,642 85 
 
SUunrdpilvuids edFuPnrdofi-t-s--_-_-_-_-_-_-_-_-_-_-_ 
 
9,000 00 3,141 26 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid _- ____ --- _ 
 
Banking House -----------Furniture and Fixtures_____ Other Real Estate Owned 
 
3,800 00 Due to Banks in this State-_ 
 
2,394 00 8,800 00 
 
CDaulel tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 41,735 22 Individual Deposits Subject 
 
Due from Banks In other 
States ------------------CG uo lrdr e n_c_y_ _ _-_ -_ -_ -_ -_ -_ -_ _- _- _- _- _- _- _- _- _- _- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton _________ A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
Checks for Clearing House __ 
 
8,251 89 6,779 00 
22 50 3,467 95 --------- 
________ _ 
1,436 24 
 
DetomaCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 121,908 71 
 
Time Certificates of Deposit_ 313,685 47 
 
Savings Deposits ----------- 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_--_ 
 
5, 568 48 6 00 
 
Bills Payable --------------- 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,671 61 Borrowed Money - _-- ----LiabiJit~ on Letters of Credit and Accentances _________ _ 
 
O vaenrcdersa f -t s- - -( i-f- -a-n-y-,.)- - -_-_-_-_-_-_-_ -_ 
 
--------1,813 91 
 
Reserve for Interest and Taxes Other Llahllities _ .. ________ _ 
 
7,739 90 
 
OCathsher SAhsosretts_: ______________ _ 
 
8 90 
 
Total --------------------$521,049 85 Total --------------------$521,049 85 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$311,540 72 Capital Stock Paid In _______ $ 60,000 00 
 
Demand Loans ------------- 41,646 76 Amt. Reserved for Branches Loans Secured by Real Estate 65,417 94 Surplus Fund -------------United States Bonds ________ 16,450 00 Undivided Profits----------Other Stocks and Bonds-____ __ _______ Dividends Unpaid - __ -- __ -- _ 
 
9,000 00 5,539 17 
 
Banking House ------------ 3,&,00 00 Due to Banks in this State __ Furniture and Fixtures_____ 3.382 00 Due to Banks in other States 
 
Other Real Estate Owned 
 
8,800 00 Call Money ---------------- 
 
Due from Banks in this State 24,320 41 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check __ -- _--- _--- __ -- _ 108,826 61 
 
States ------------------- 10,246 20 Demand Certificates of Deposit Currency ------------------ 4,569 00 Time Certificates of Deposit_ 253,993 38 
 
Gold ----------------------- 
 
37 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 2,561 58 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ _ ________ Cashier's Checks _____ - ____ _ 3,503 80 
 
Advances on other Commodi- 
 
Certified Checks __ - __ ------ _ 
 
50 00 
 
ties ---------------------- --------- Bills Payable -------------- 47,000 00 Checks for Clearing House__ 3,804 37 N">tes and Bills Rediscounted 
 
Other Checks and Cash Items __ - _____ . Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ --- _- -- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Aecf!ltances --------- 
 
Overdrafts (if any) ____ -- ___ 
 
55 86 Reserve for Interest and Taxes 8,861 04 
 
Other Assets: 
 
Other Liabilities __________ _ 
 
Profit and Loss - __ -- _--- _-- 
 
143 66 
 
Total --------------------$496,776 00 Total --------------------$496,776 00 
 
 262 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'X'. 
 
PEOPLES BANK, GLENNVILLE. 
 
At Close of Business October 16, 1920. 
 
President-S. J. Kicklighter. Vice-President-!. J. DeLoach. Cashier-J. W. Delk. Directors-B. J. Kicklighter, I. J. DeLoach, C. C. Padgett, R. R. Purcell, E. H. 
Bacon, Sr., S. H. Howard, M. Statin. 
 
Date of Charter-August 26, 1907. 
 
Began Business-September 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$251,118 92 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 13,194 20 Amt. Reserved for Branches Loans Secured by Real Est~te ________ _ Surplus Fund -------------- 12,500 00 
 
United States Bonds ________ Other Stocks and Bonds _____ 
 
----------------- 
 
UDnivdiidveinddeds PUrnopfiatisd --__-_-_-_-_-_-_-_--_ 
 
7,890 00 
 
Banking House ------------ 8,132 19 Due to Banks in this State __ 
 
Furniture and Fixtures______ Other Real Estate Owned ____ 
 
2,400 00 --------- 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 9,482 34 Individual Deposits Subject 
 
DuSetatfersom_--B- a__n_k_s___i_n___o_t_h_e_r 
 
32 85 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 79,828 72 
 
CGuo lrdr e n c_y_ _ _ _- _- _- _-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
3,553 00 127 50 
 
Time Certificates Savings Deposns 
 
of DeposiL 125,271 67 __ - ______ . _ 
 
Silver, Nickels. Pennies ____ _ 
 
498 43 Trust Funds on DeposiL ___ _ 
 
Advances on Cotton _________ A dt iveasn c_e_s_ _o_n_ _o_ _t h_e_ r. -C__o.m-m__o.d_i_- 
 
--------___ .- __ -- 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_--. -_ Bills Payable -------------- 
 
603 00 50,000 00 
 
Checks for Clearing House __ --------- Note~ and Bills Rediscounted 
 
Other Checks and Cash Items 3,979 12 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --- _----- 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A_ _c_c_e_p_t-_ 
 
________ _ 
 
Li~ bility on Letters of Credit and JdeEptancEs --------- 
 
Overdrafts (if any) ____ - __ _ Other Assets --------------- 
 
8,567 77 7 97 
 
ORethseerrveLifaobriIlnittieerses_t_a_n_d__T_a_x__es_ 
 
Total --------------------$301,094 29 Total --------------------$301,094 29 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------~---$226,650 79 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 17,588 11 Amt. Reserved for Branches 
 
Loans Secured by Real Estate Overdrafts ----------------Other Stocks and Bonds _____ 
 
13,774 00 835 80 
--------- 
 
USunrdpivluids edFuPnrdofi-t-s--_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid _________ _ 
 
12,500 00 6, 795 12 
 
Banking House ------------ 8,132 19 Due to Banks in this State._ 1,225 00 
 
Furniture and Fixfures______ Other Real Estate Owned. __ _ Due from Banks in this State 
 
2,400 00 
---654-72 
 
DCaulel' tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ Individual Deposits Subject 
 
DuSetatfersom___B__a_n_k_s___i_n___o_t_h_e_r 
 
140 30 DetomaCnhdeCckert-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 64,461 27 
 
CGuolrdren_c-y-- _-----_-----_-_-_-_-__-_-_-_--. -_-_ -_ 
 
3,829 00 Time Certificates of DeposiL 103,456 94 127 50 Savings Deposits ----------- 
 
Silver, Nickels. Pennies. ___ _ 
 
340 84 Trust Funds on DeposiL ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks ----------- 1,311 03 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
235 00 
 
ties . -- __ -- __ . _- -- _. _. _-- _ ___ . ____ _ Bills Payable _____ ------ __ . 60,000 00 
 
Checks for Clearing House__ ___ -- _. __ Nott~s and Bills Rediscounted 
 
Other Checks and Cash Items 
 
512 10 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ - ----- 
 
atenrcsesof--C--re__d....i...t__a_n_d_ _A__c_c_e_p_t-_ 
 
________ _ 
 
Liabilitv on Letters of Credit and Acceptances .. __ - __ . _ 
 
Overdrafts (if any) ____ . __ _ Other Assets __________  ____ 
 
________ _ ________ _ 
 
Reserve fotinterest and Taxes Other Liabilities _____ --- _-- 
 
Total --------------------$274,984 85 Total --------------------$274,984 85 
 
 FIRST .ANNUAL REPORT 
 
263 
 
EXAMilii'Eli\'S li\EPOli\T, 
 
THE FARMERS BANK, GLENWOOD. 
 
At Close of Business October 13, 1920. 
 
President-.T. F. Cook. Vice-P,resident-B. S. Calhoun. Cashier-W. .T. Futral. 
 
Directors-.T. F. Cook, Thomas Kent, .T. W. Morrison, B. S. Calhoun, Daniel Pope, 
 
M. Morrison, .T. M. Browning, B. R. Benton, W. E. Currie. 
 
Date of Charter-November 5, 1906. 
 
Began Business-November 10, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$116,675 67 Capital Stock Paid In. _____ .$ 30,000 00 
 
DL oe amnasnSde cLuoraends b y- -R- -e-a-l-E- -s-t-a-t eUnited States Bonds ________ 
Other Stocks and Bonds _____ 
 
__3_,5__0_6__27_ 41,200 00 
 
Amt. Reserved for Branches USunrdpivluids edFuPnrdofi-t-s--_-_-_-_-_-_-_-----_-- 
 
--------- Dividends Unpaid _________ _ 
 
44,000 00 132 58 
 
Banking House ------------- 6,140 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
2,010 79 ________ _ 
 
CDaulel 
 
tMo oBnaeynks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 34,577 63 Individual Deposns Subject 
 
Due from Banks in other States ------------------- 
 
1,150 64 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 61,461 78 
 
CGuolrdren_c_y__ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ __3_,_1_4_0__00_ TSaimviengCserDtiefpicoastietss o__f_D__e_p_o__s_it_. 40,582 39 
 
Silver, Nickels, Pennies_____ Advances on Cotton _________ 
 
1,356 74 ------- 
 
Trust Funds on Deposit_ ___ _ Cashier's Checks __________  
 
677 75 
 
A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_ o_ _m_m_ _o_d_i_- 
 
________ _ 
 
Certifiecl cr.ecks -----------Bills Payable -------------- 
 
48,500 00 
 
Checks for Clearing House__ 
 
110 31 ~-Jotes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
518 60 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ______ -- ____ --- ____ - --------- and Acceptances _- ______ _ 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets -------------- 
 
15,000 00 
 
Other Liabilities: Cash Long _. __ - _- __  _- _ _- 
 
32 15 
 
Total --------------------$225,386 65 Total --------------------$225,386 65 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 78,639 78 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ________ _ Banking House ____________ _ Furniture and Fixtures ____ _ 
 
3,090 63 25,313 96 42,900 00 
6,140 00 2,010 79 
 
AAmlatm. oR, eGsear.ve_d__f_o_r__B__ra__n_c_h_e_s_: 
Surplus Fund _____________ _ 
Undivided Profits _________ _ Dividends Unpaid _________ _ 
 
15,000 00 44,000 00 
 
Other Real Estate Owned ___ _ 
 
Due to Banks in this State __ 
 
Due from Banks in this State DuSetatfersom___B__a_n_k_s___i_n___o_t_h_er_ 
Currency ------------------GS iol vl de r ,- -N- -i -c -k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ Advances on Cotton _______ _ Advances on other Commodi- 
 
34,650 03 
239 58 803 00 
1,270 33 72 27 
 
Due to Banks in other States Call Money __ ---- _________ _ IndtoiviCduheacl k D_e_p_o_l3__it_s___S_u_b_j_e_c_t 
Demand Certificates of Deposit Time Certificates of Deposit_ Savings Deposits __________ _ Trust Funds on Deposit- ___ _ 
 
45,005 64 41,583 68 
 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n- -g- -H-o- u- -s-e-_-_ Other Checks and Cash Items 
 
100 703 
 
86 01 
 
CCoa,srhtiifeierd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ Bills Payable _--- _________ _ 
 
611 29 50,500 00 
 
Customers' Liabilitv on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit arid Accept- 
 
Certificates of Deposit for 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-__- _-_-_- -_ Other Assets: 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances ________ _ 
 
Profit and Loss -----------Capital Reserved for Branch 
 
766 37 ORethseerrveLifaobriIlnittieerses_t_a_n_d__T_a__x_es_ 
 
Bank, Alamo, Ga. _____  __ 15,000 00 
 
Total --------------------$211,700 61 Total --------------------$211,700 61 
 
 ><'' <_W_l&. !&A' 
 
264 
 
BANKING DEPARTMENT 
 
EXAliiiilii'EB'S BEPOBT. 
BANK OF GODFREY, GODFREY. 
At Close of Business August 4, 1920. 
President-S. H. Bullard. Vice-Presidents-C. E. Daniel, J. H. Troutt. Cashier-0. J. Adams. 
Directors-S. H. Bullard, C. E. Daniel, \Y. B. Jordon, W. R. Johnson, W. H. Paul, D. A. Moseley, A. G. Jordon, 0. J. Adams, Dr. J. H. Troutt. 
Date of Charter-1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
 
60,275 1,500 
 
64 00 
 
Loans Secured by Real Estate 
 
United States Bonds ______ _ 
 
Other Stocks and Bonds. ___ _ Banking House ____________ _ 
Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ 
 
2,286 45 2,346 55 
 
Due from Banks in this State 7,056 68 Due from Banks in other 
 
States ------------------- 2,150 62 Currency ------------------ 1,256 00 
 
GS iol vl de r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ Advances on Cotton _______ _ Advances on other Commodi- 
 
627 89 5,325 21 
 
ties ---------------------Checks for Clearing House._ 
 
Other Checks and Cash Items 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaenrcdersaft-s---(i-f--a~n-y-),--_-_-_-_-_-_-_-_ 
 
Other Assets: 
 
Cash Short ----------------- 
 
29 74 
 
Capital Stock Paid In ..... $ 15,000 00 Amt. Reserved for Branches 
 
Surplus Fund ------------Undivided Profits ----------Dividends Unpaid ---------Due to Banks in this State.CDaulel tMo oBneaynks__i_n_ -o_t_h_e_r__S_t_a_t_es 
 
3,632 30 
 
Individual Deposits Subject 
Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of Deposit. Savings Deposits __ --------Cashier's Checks ----------Certil'iE'd Checks -. _--------Bills Payable __ - __ -- _- ____ _ 
Notes and Bills RE'discounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _-- _- _- __  Reserve for Interest and Taxes Other Liabilities - _---- _-- _- 
 
21,137 85 13,697 71 
50 20 30,000 00 
 
Total --------------------$ 83,518 06 Total --------------------$ 83,518 06 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand .....oan:;; ___________ _ 
 
60,120 
 
21 
 
Capital Stock Paid In ....... $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ______ _ 
 
Surplus Fund -------------Undivided Profits __ - _-- _---- 2,014 30 
 
Other Stocks and Bonds.... 
 
Dividends Unpaid ____ - _- __ - 
 
Banking House ------------Furniture and Fixtures. ___ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iol lvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ Advances on Cotton ________ _ 
 
2,286 45 Due to Banks in this State.2,346 55 Due to Banks in other States 
Call Money ---------------4,928 95 Individual Deposits Subject 
89 12 DetomaCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time CertificatE's of Deposit. Savings Deposits __ - _------- 
160 79 Trust Funds on D'epostt _-- _600 00 Cashier's Checks - _--------- 
 
21,504 06 3,905 71 
108 00 
 
Advances on other Commodities ---------------------- 
Checks for Clearing House._ 
 
Certified Checks -- _--------Bills Payable __ - __ --------- 28,000 00 Notes and Bills Rediscounted 
 
Other Checks ani! Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaft-s--(-i-f--a-n-y-)---- -__-- -_-. -__- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities _-- _------- 
 
Total --------------------$ 70,685 23 Total --------------------$ 70,685 23 
 
 FIRST ANNUAL REPORT 
 
265 
 
EXAMINER'S BEPOB'l'. 
 
FARMERS & MERCHANTS BANK, GORDON. 
 
At Close of Business September 2, 1920. 
 
President--J. B. Stinson. Vice-President-C. H. Richardson. Cashier-f. L. M. Smith. 
 
Directors-J. B. Stinson, C. H. Richardson, Sol Isenberg, D. G. Kingry, J. H. Bloodworth, W. H. Branau, C. C. Johnson. 
 
Date of Charter-June 10, 1919. 
 
Began Business-July 19, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ .$ 85,379 10 
 
Demand Loans ------------- 2,000 00 Loans Secured by Real Estate 
 
United States Bonds ______ _ 
 
Other Stocks and Bonds ____ _ Banking House ____________ _ Furniture and Fixtures ____ _ 
 
3,000 00 3,402 84 
 
Other Real Estate Owned ___ _ 
 
Capital Stock Paid In _______ $ 17,000 00 ASumrtp.luRs eFseurnvded __fo__r __B_r_a_n_c_h__es_ 1,500 00 DUnivdiidveinddeds UPrnopfaiitds -_-_-__-_-_-_-_-_--_ 1,595 27 
Due to Banks in tnis State __ CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in other 
States ------------------GCoulrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton _______ _ Advances on other Commodi- 
Chteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
28,043 46 Individual Deposits Subject 
 
3,926 62 5,174 00 
267 50 419 63 
 
D et om aCnhdeCc ke r t-i f-i-c-a-t-e-s -o-f- D- -e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits __________ _ Trust Funds on Deposit. ___ _ Cashier's Checks __________ _ 
 
830 09 
 
Certified Checks -----------Bills Payable -------------1\'otes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ Liability on Letters of Credit 
 
58,212 82 57,192 74 
177 79 
 
Ovaenrcdersaft-s---(i-f--a-n-y-)---- -_-_-_-__-_--_ Other Assets _______ -- _____ _ 
 
and Acceptances ---------17 4g Reserve for Interest and Taxes 2,717 90 Other Liabilities --- ___ -- __ _ 
 
Total ---------------------$135,678 62 Total ---------------------$135,678 62 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 46,779 25 Capital Stock Paid In. _____ .$ 17,000 00 
 
Demand Loans __ - __ --- ___ -Loans Secured by Real Estate 
 
1,200 00 37,036 26 
 
Amt. Reserved for Branches Surplus Fund _____________ _ 
 
1,500 00 
 
United States Bonds -- ___ -Other Stocks and Bonds ___ -- 
 
DUinvdiidveinddesd UPnrpoafiidts_-_-_-_-_-_-_-_-_--_ 1, 795 81 
 
Banking House ------------- 3,000 00 Due to Banks in this State._ 
 
Furniture and Fixtures ___ -Other Real Estate Owned __ -- 
 
3,500 00 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 18,196 57 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
1,000 00 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 51,598 39 6,079 00 Time Certificates of DeposiL 47,994 74 
207 50 Savings Deposits - _____ - ___ _ 
 
Silver, Nickels. Pennies. __ -- 
 
363 28 Trust Funds on Deposit. ___ _ 
 
Advances on Cotton. _____ -Advances on other Commodi- 
Chteiecks s -f-o-r--C--l-e-a-r-in-g---H-o-u--s-e-._- 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-__-_-_--_ Bills Payable ____ - _- ___ - _- __ Notes and Bills Rediscounted 
 
181 40 9 76 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money - ___ ----- 
 
ters of Credit and AcceptO vaenrcdersa f t-s- - -( I-f- -a-n-y-)- - -_-_ -_ _- _-_-_- -_ Other Assets: 
 
Liability on Letters of Credit and Acceptances _________ _ 
ROethseerrveLfiaobr iIlnittieerses_t_a_n_d__T_a-x__es_ 
 
Depositors' Guarantee Fund. 2,717 90 
 
Total --------------------$120,080 10 Total --------------------$120,080 10 
 
 266 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
PEOPLES BANK, GORDON. 
 
At Close of Business August 28, 1920. 
 
President-W. A. Jones. Vice-President-R. E. Evans. Cashier-C. H. Cates. 
 
Directors-W. A. Jones, R. E. Evans, W. C. Gibson, J. E. Dean, S. W. Lee, W. 
 
A. Deitrick, C. H. Cates. 
 
Date of Charter-February 1, 1906. 
 
Began Business-19ll5. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$101,838 27 Capital Stock Paid Jn _______ $ 20,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ------Other Stocks and Bonds ____ _ Banking House ____________ _ 
Furniture and Fixtures ____ _ Other Real Estate Owned___ _ Due from Banks in this State 
 
431 97 
--1~002-95 
1,500 00 3,000 00 2,890 00 4,305 00 23,809 78 
 
Amt. Reserved for Branches 
Surplus Fund -------------UDnivdiidveinddeds PUrnopfiatisd --__--------_-__-_--_ 
Due to Banks in this State._ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
 
822 91 
 
Due from Banks in other 
States ------------------GCoulrdren__cy- _---------_------- -- ------ -- ---------Silver, Nickels, Pennies ___ -_ Advances on Cotton ________ Advances on other Commodi- 
Chteiceks s -f-o-r---C-l-e-a-r-in-g---H-o-u--se--__- 
 
444 18 1,192 00 
160 00 346 18 --------- - -1-1-6- - 7-5- 
 
D et om aCnhdeCc ke r t-i f-i-c-a-t-e-s -o-f-D- -e-p-o-s-i-t Time Certificates of Deposit. Savings Deposits ----------Trust Funds on Deposit. ___ _ 
Cashier's Checks ----------CBei lrltsi f iPe da yCa bh el ec k s___- ---- -- -- -_-_-__-_-_- -_ Notes and Bills Rediscounted 
 
60,242 85 26,134 89 
940 92 30,000 00 
 
Other Checks and Cash Items 1,022 25 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
Ovaenrcdersaft_s--(-i-f- _a-n-y-)--_-_-_-_-_-_-_--_ 
 
--------328 42 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
- - - - CCoasllhecLtioonngs -__--- -_-_-_-_-_-__-_-_-_-_-_-_--_ 
 
485 00 2 80 
 
472 03 
 
Total --------------------$138,613 60 Total --------------------$138,613 60 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 91,158 41 Capital Stock Paid Jn _______ $ 20,000 00 
 
Demand Loans ___ - -- ___ --- - 
 
700 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ($28,734 83) 
 
USunrdpivluidsedFuPnrdofi-t-s--_-__-_----- -_-_-__--- 2,125 68 
 
United States Bonds _______ _ 1,348 95 Dividends Unpaid ___ -- ____ _ 
 
Other Stocks and Bonds._--- 1,250 00 Due to Banks in this State._ 
 
Banking House _-----------Furniture and Fixtures----_ 
 
3,000 00 2,890 00 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Other Real Estate Owned ___ _ Due from Banks in this State 
 
-i0:4o4- 43 
 
Due from Banks in other 
 
Individual Deposits Subject DetomaCnhdeCckert-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t 
 
37,465 38 
 
States ____ -- ____ ----- ___ _ 
 
Time Certificates of Deposit. 23,890 54 
 
GCoulrdren_c_y____-_------- -_-_-_-_-_-__-_-_--_ 
 
3,900 00 Savings Deposits ----------160 00 Trust Funds on Deposit. ___ _ 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton _______ _ 
 
1,020 89 Cashier's Checks ----------Certified Checks ------------ 
 
431 65 
 
Advances on other Commodi- 
 
Bills Payable -------------- 33,000 00 
 
C htei ecsk s- -f o- -r - -C-l-e-a-r-i n- -g- -H-o- -u-s-e-_-_ 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and AcceptO vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -------- -- -- -- -- 
 
1,080 57 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities ----------- 
 
Other Assets --------------- 
 
Total --------------------$116,913 25 Total --------------------$116,913 25 
 
 FIRST ANNUAL REPORT 
 
267 
 
EX:AMINEB'S BEPOB'l'. 
 
BANK OF GOUGH, GOUGH. 
 
At Close of Business October 4, 1920. 
 
President-C. W. Kitchens. Vice-President-A. M. Torbit. Cashier-M. A. Thompson. Directors-C. W. Kitchens, A. M. Torbit, I. J. Gay, J. S. Cates, Sr., G. V. Logue, 
E. E. Ponder, C. E. Powell, M. A. 'l'hompson. 
 
Date of Charter-January 22, 1910. 
 
Began Business-February 3, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 
Demand Loans -----------Loans Secured by Real Estate United States Bonds ------Other Stocks and Bonds ____ _ Banking House ___________ _ 
Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ 
Due from Banks in this State 
 
83,511 73 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------DUinvdiidveinddesd UPnropfaiitds -_-__-_-_-_-_-_-_--_ Due to Banks in this State __ 
 
400 00 4,417 48 
42 00 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other 
States ------------------CG uo lrdr e n_c_y_ _ _ _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_-_- -_ 
Silver, Nickels, Pennies ____ _ Advances on Cotton________ Advances on other Commodi- 
Chteiecks s r-fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
6, 733 09 Detmo aCnhdeCckert-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 1,962 00 Time Certificates of DeposiL 
70 0 0 Savings Deposits __________ _ 1,115 42 Trust Funds on Deposit_ ___ _ 6,201 49 CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ 
Bills Payable -------------2,991 30 Notes and Bills Rediscounted 
Certificates of Deposit for Borrowed Money --------- 
Liability on Letters of Credit 
 
39,071 91 37,332 61 
250 17 20,000 00 
 
O vaenrcdersa f -t s- - -( i-f- -a-n-y-)- - -_-_-_ _- _- _-_- -_ Other Assets: 
 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Revenue Stamps ----------- 
 
100 00 
 
Cash Short ---------------- 
 
29 12 
 
Total --------------------$116.514 17, Total --------------------$116,514 17 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 50,801 41 Capital Stock Paid In-------$ 15,000 00 
 
Demand Loans ------------ 1,252 82 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ______ _ 
 
16,870 35 USunrdpivluidsedFuPnrdof-it-s---_-__-_-_-_-_-_-_--_ 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid _________ _ 
 
400 00 4,032 78 
27 60 
 
Banking House ------------ 2,134 76 Due to Banks in this State __ 
 
Furniture and Fixtures_---_Other Real Estate Owned ___ _ 
 
3,624 56 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State Due from Banks in other 
States ------------------GCoulrdr e n_c_y_ _ _ _-_-_-_- -------- -_-_ _- _-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ Advances on Cotton ___ - ____ _ Advances on other CommodiChteiecsks--fo--r --C-l-e-a-r-in-g---H-o-u--s-e-__- 
 
5,236 04 559 87 506 00 70 00 
1,166 36 1,159 71 
 
IndividUal Deposits Subject 
Detmo aCnhdeCcekrt-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits __________ _ Trust Funds on Deposit- ___ _ Cashier's Checks ----------Certified Checks ---- _-- _-- __ Bills Payable ~------------ Notes and Bills Rediscounted 
 
16,687 80 32,676 51 
718 91 20,000 00 
 
Other Checks and Cash Items 6,161 72 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -__- _-_-_-_-_- -_ Other Assets _________ ------ 
 
and Acceptances ---------ROethseerrveLfiaobr iIlnittieerses_t_a_n_d__T_a__x_es_ 
 
. Total --------------------$ 89,543 60 Total --------------------$ 89,543 60 
 
 268 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOBT. 
 
BANK OF GRANTVILLE, GRANTVILLE. 
 
At Close of Business September 27, 1920. 
 
President-C. S. Colley, Vice-President-W. A. Bohannon. Cashier-J. A. Latimer. 
 
Directors-C. S. Colley, W. A. Bohannon, J. A. Latimer, T. N. Colley, Mrs. I. R. Leach, \V. N. Banks. 
 
Date of Charter-July 1, 1901. 
 
Began Business-July, 1901. 
 
--------------~--------------------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$165,193 59 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ------------- 39,927 55 Am t. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 10,000 00 
 
United States Bonds -------- 
 
100 00 Undivided Profits ---------- 1,870 32 
 
Other Stocks and Bonds_____ 7,339 05 Dividends Unpaid _------- _- ________ _ 
 
Banking House ------------ 3,000 00 Due to Banks in this State __ --------- 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
1,500 00 ________ _ 
 
CDaulel 
 
tMo oBnaenyks__i_n__o_t_h_e_r__S-ta__te_s_ 
 
________________ __ 
 
Due from Banks in this State 12,403 61 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 169,847 10 
 
States ------------------- 4,323 60 Demand Certificates of Deposit 3,550 00 
 
CGuo lrdr e n_c_y_ _ _ -_ -_ -_ -_-_ -_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
_ _2_, 9__0_6__00_ 
 
Time Certificates of DepositSavings Deposits __________ 
 
--------35,397 41 
 
Silver, Nickels, Pennies_____ 1,357 56 Cashier's Checks ----------- 
 
104 00 
 
Advances on Cotton ________ --------- Certified Checks _____ - __ -- _ _ -------- _ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 12,000 00 
 
Chteiecsks_f-o--r _C--l-e-a-ri_ng-----H-o-u-s-e-_-_Other Checks and Cash Items 
 
-_-_-_-_-_-_-_-_-_ 
o~o 
 
Notes and Bills Rediscounted CeBrtoifrircoawteesd MofoneDye.p_o_s_i_t__f_o_r_ 
 
--------________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances _------- _- - _------ _ 
 
OOvt~h~e~r~~Afsts;e-t s( i T_a_r_1_: Y_ _) -_=_=_ =_ =_ =_ =_ _==_ 
 
_-(_8_~_s_i_9_-_54_ 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
_- _- _--- _ --------- 
 
Total --------------------$257,768 83 Total ____________________ $257, 768 83 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$107,409 86 Capital Stock Paid In-------$ 25,000 00 
 
Demand Loans ------------ 80,500 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 15,376 00 Surplus Fund -------------- 10,000 00 
 
United States Bonds -------- 
 
100 00 Undivided Profits ---------- 1,933 45 
 
Other Stocks and Bonds_____ 7,339 05 Dividends Unpaid _____ - _- _- 
 
Banking House ------------ 3,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____._ 1,666 16 Due to Banks in other States 
 
Other Real Estate Owned ___ --------- Call Money _______ --------- 
 
Due from Banks in this State 1,069 90 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check __ -------------- 43,318 89 
 
States ------------------CG uo lrdr e n_c_y_ _ _-_ -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
541 59 __2_,3__6_0__00_ 
 
Demand Certificates of Deposit Time Certificates of Deposit_ 
Savings Deposits ----------- 
 
2, 050 00 33,882 98 
 
Silver, Nickels, Pennies_____ 1,909 30 Trust Funds on Deposit_---- 87,000 00 
 
Advances on Cotton________ 1,189 22 Cashier's Checks __ --------- 
 
264 11 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties -------------------- _________ _ Bills Payable -------------- 15,000 00 
 
Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items ____ ----- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
atenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
______ --- 
 
Liability on Letters of Credit and Acceptances --------- 
 
4,625 25 
 
Overdrafts (if any) -------- 
 
613 60 Reserve forlnterest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total ____________________ $223,074 68 Total --------------------$223,074 68 
 
 FIRST ANNUAL REPORT 
 
269 
 
EXAMINEE'S BEPOBT. 
 
BANK OF GRAY, GRAY. 
 
At Close of Business August 30, 1920. 
 
President-R. H. Kingsman, Sr. Vice-President-T. S. Bush. Cashier-J. W. Bonner. 
 
Directors-R. H. Kingsman, Sr., T. S. Bush, J. \V. Bonner, Rich Johnson, F. H. 
 
Johnson, S. B. Hungerford, W. W. Moore, W. E. Morgan, F. M. Stewart. 
 
Date of Charter-August 23, 1909. 
 
Began Business-August 28, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$135,566 25 Capital Stock Paid In _______ $ 25.000 00 Demand Loans _____________ 5,388 19 Amt. Reserved for Branches Loans Secured hy Real Estate _________ Surplus Fund _____________ _ 5,000 00 United States Bonds ------- 5,100 00 Undivided Profits ----------- 5,959 58 Other Stocks and Bonds _____ --------- Dividends Unpaid ---------Banking House------------- 2,341 07 Due to Banks in this State __ Furniture and Fixtures_____ 2,437 68 Due to Banks in other States Other Real Estate Owned____ _________ Call Money _______________ _ 
 
DDuuee frforommBaBnkans kisn tihnis oStthaeter 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton ________ Adtvieasnc_e_s__o_n__o_t_h_e_r__C_ o_m__m__o_d_i_- 
 
21,057 65 
8,142 09 4,373 00 
107 50 2,151 87 --------- 
_ ________ 
 
IndtoivCidhueaclk D__e_p_o_s_i_t_s___S_u_b_j_e_c_t 
Demand Certificates of Deposit Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposit- ___ _ Cashier's Checks ----------CBeilrltsifiPeadyaCbhleeck_s________________________ __ 
 
97,432 07 
-6-(167-25 
405 15 
 
Checks for Clearing House__ 
 
223 44 Notes and Bills Rediscounted 
 
Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
atenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ _____ " ___ LiaanbdiliAtyccoenptLanectteesrs__o_f__C_r_e_d_i_t 
 
Overdrafts (if any) _______ _ 8, 075 31 Reserve for Interest and Taxes Other Assets --------------- -------.-- Other Liabilities ----------- 
 
Total --------------------$194,964 05 Total --------------------$194,964 05 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$106,927 19 Capital Stock Paid In ______ -$ 25,000 00 
 
Demand Loans ------------ 3,590 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 13,967 62 Surplus Fund -------------- 
 
United States Bonds _______ Other Stocks and Bonds_____ 
 
5,100 00 ______ - __ 
 
UDnivdiidveinddeds 
 
UPrnopfaiitds 
 
-_ -_ -_ _- _- _-_-_-_- -_ 
 
5,000 00 6,043 40 
 
Banking House------------- 2,341 07 Due to Banks in this State-_ 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
2,437 68 --------- 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 10,973 95 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------SGiol vl de r ,- -N- -i c-k- -e -l s-,- -P-e-n- -n-i e- s- -__-_-_- -_ Advances on Cotton ______ _ 
 
623 23 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
3,843 00 122 50 
 
Time Certificates Savings Deposits 
 
of Deposit_ __ - _______ _ 
 
705 46 Trust Funds on DeposiL ___ _ 
 
810 96 Cashier's Checks _________ _ 
 
30,296 56 56,242 31 
426 50 
 
Adtvieasnc_e_s__o_n- _o_t_h_e_r- _C_o_m__m__o_d_i-_ ________ _ CBeilrltsifiPedayCahbelecks___-_-_-_-_-_-_-_-_-_-_--_ 30,000 00 
 
Checks for Clearing House__ - ___ --- __ Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
860 36 
 
Certificates Borrowed 
 
of Deposit for Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances __ - ____ -- ____ -- ____ Overdrafts (if any) _______ _ 
Other Assets --------------- 
 
- ___ -- -- _ 
705 75 --------- 
 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$153,008 77 Total --------------------$153,008 77 
 
 f1R.LZWO 
 
;t; t4 
 
270 
 
BANKING DEPARTMENT 
 
EXAMINEE'S BEPOBT. 
 
BANK OF GRAYMONT, GRAYMONT. 
 
At Close of Business July 16, 1920. 
 
President-T. H. Buttrill. Vice-President-J. A. Durden. Cashier-W. E. Gray, 
 
Directors-T. H. Buttrill, J. A. Durden, V. E. Durden, W. M. Dekle, B. L. Brinson. 
 
Date of Charter-April 27, 1901. 
 
Began Business-May 5, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$119,218 52 Capital Stock Paid In. _____ .$ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
19,990 11,150 
 
00 20 
 
ASumrtp.luRs eFseurnvded __f_o_r__B_r_a_n__c_h_e_s 
 
United States Bonds _______ Other Stocks and Bonds _____ 
 
11,000 00 --------- 
 
DUinvdiidveinddesd 
 
UPnropfaiitds 
 
-_-_ _- _- _- _-_-_-_- -_ 
 
5,000 00 12,780 52 
296 00 
 
Banking House ------------ 5,216 09 Due to Banks in this State._ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
2,827 7,000 
 
14 00 
 
DCaulel toMBonaenyks _i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 9,411 50 Individual Deposits Subject 
 
Due from Banks in other 
States. ------------------GCoulrdren_c__y___-_----------_-- -_-------------__--Silver, Nickels, Pennies ____ _ Advances on Cotton __ -_____ Advances on other CommodiChteiecsks--fo--r--C-l-e-a-r-in- g---H-o- u--s-e.-_- 
 
12,520 84 1,048 00 680 00 
_ ___6_5_9__65_ 
-_-__--__-_-_-_- -_ 
 
Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 103,211 13 Time Certificates of Deposit. 33,381 63 Savings Deposits ----------Trust Funds on Deposit. ___ _ 
CCearsthifiieerd's CChheecckkss _-_-_-__-_-_-_-_-_-_--_ Bills Payable _____________ _ 35,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2,233 63 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ------ __ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t s- -(-i-f- -a-n-y-)- - -- -- -- -- -- -- -- -Other Assets: 
 
- -3-, 1-5-4- - -33- 
 
and Acceptances ____ - ____ _ ORethseerrveLifaobriIlnittieerses_t_a_n_d__T_a_x__es_ 
 
119 56 
 
County Warrants ---------- 10,000 00 Collections not remitted for_ 1,361 81 
 
Cash Short ---------------- 
 
40 75 
 
Total --------------------$216,150 65 Total --------------------$216,150 65 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$113,762 71 Capital Stock Paid In. _____ .$ 25,000 00 
 
- oii Demand Loans ------------ 
Loans Secured by Real Estate 
 
1,395 00 Amt. Reserved for Branches 4,000 00 Surplus Fund -------------- 
 
-5~ooo- 
 
United States Bonds -------- 10,000 00 Undivided Profits __  _ _. 12,597 36 Other Stocks and Bonds ----- 1,000 00 Dividends Unpaid  ________ _ 
 
Banking House ------------- 4,766 09 Due to Banks in this State._ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
2,827 14 18,118 10 
 
CDaulel tMo oBnaenyks__i_n__o_th_e_r _S_t_a_t_es_ 
 
Due from Banks in this State 1,142 73 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder,--N--i-c-k-e-ls-,--P--e-n-n-i-e-s-. -_-__--_ 
 
5,544 25 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 1,882 00 Time Certificates of Deposit. 
680 00 Savings Deposits ----------637 87 Trust Funds on Deposit. ___ _ 
 
46,988 01 35,919 13 
 
Advances on Cotton ________ Advances on other Commodi- 
 
--------- 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ 
 
1,116 30 
 
ties _ ---.-  - - -- --------- - - - ------ - Bills Payable -------------- 50,000 00 
 
Checks for Clearing House._ 
 
864 91 Notes and Bills Rediscounted 
 
Other Checks and Ca:oJ)l Items ______  _. Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances _. ___  __  ___ .-.-.--  ---.---- and Acceptances ---------- 
 
Overdrafts (if any) Other Assets: 
 
-------- 
 
--------- 
 
Reserve for Interest and Taxes Other Liabilities _____  _. __ _ 
 
County Warrants----------- 10,000 00 
 
Total --------------------$176,620 80 Total --------------------$176,620 80 
 
 FIRST ANNUAL REPORT 
 
271 
 
EXAliiiiNEB.'S B.EPOB.T. 
 
BANK OF GRAYSON, GRAYSON. 
 
At Close of Business October 20, 1920. 
 
President-W. A. Cooper. Vice-Presidents---<W. ;r, Tribble, T. A. Pate. 
 
Cashier-W. T. Roberts. 
 
Directors-W. A. Cooper, W. T. Roberts, W. ;r. Tribble, T. A. Pate, W. R. Roberts. 
 
Date of Charter-:July 11, 1906. 
 
Began Business-August 30, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$157,710 06 Capital Stock Paid In_______$ 40,000 00 
 
io:ooo-iiii Demand Loans ------------- 13,570 54 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ 
 
11,621 14,250 
 
27 00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
3,735 19 
 
Other Stocks and Bonds_____ Banking House ____________ 
 
1,500 00 2, 0 0 0 0 0 
 
Dividends Unpaid ---------Due to Banks in this State-_ 
 
Furniture and Fixtures_____ 2,260 50 Due to Banks in other States 
 
Other Real Estate Owned__ --------- Call Money ---------------- 
 
Due from Banks in this State Due from Banks in other 
 
7,516 45 IndtoiviCduhaecl k D_e_p_o_s_i_t_s___S_u_b_j_e_c_t 41,174 73 
 
States ------------------Currency -----------------GS iollvde r ,- - -N-i-c-k-e-l-s ,- - -P-e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton _______ _ 
 
872 37 2,858 00 
148 50 888,31 1,840 67 
 
Demand Certificates of Deposit Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposit----Cashier's Checks ----------- 
 
15,655 40 1,619 43 
--2~i96-2i 
 
A dt vi easn c e_s__o_n_ _o_ t_h_e_ r__C__o m_ _m__o_d_i_- 
 
________ _ 
 
Certified Checks ______ ----- _ Bills Payable _________ --- __ 
 
-2~000- 00 
 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
32 54 Notes and Bills Rediscounted 85,560 91 4,602 68 Certificates of Deposit for 
Borrowed Money --------Liabillty on Letters of Credlt 
 
O vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -------- -- -- -- -- 
 
-- -- -- -- -- -- -- -- -- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
OCathsher SAhsosretts_: ______________ _ 
 
Other Liabilities: 5 20 Sundry Credits ------------ 
 
735 22 
 
Total --------------------$222,677 09 Total --------------------$222,677 09 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$164,651 34 Capital Stock Paid In_______$ 40,000 00 
 
-1o:ooii-oii Demand Loans ------------- 13,254 06 Amt. Reserved for Branches 
Loans Secured by Real Estate 3,036 00 Surplus Fund -------------United States Bonds ------- 11,250 00 Undivided Profits ---------- 
 
3,658 96 
 
Other Stocks and Bonds_____ 1,500 00 Dividends Unpaid _-- _------ 2,000 00 
 
Banking House ------------ 2,000 00 Due to Banks In this State __ Furniture and Fixtures_____ 2,532 00 Due to Banks In other States 
 
Other Real Estate Owned__ --------- Call Money - - __ - - --- ------ - 
 
Due from Banks In this State 10,812 11 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
GCoulrdr e n_c_y_ _ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels, Pennies ____ _ Advances on Cotton _______ _ 
 
2,470 38 3,646 00 
158 50 767 20 2,651 39 
 
Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of DepositSavings Deposits ----------Trust Funds on Deposit----Cashier's Checks _-- _------- 
 
38,425 19 
-ii,649-82 
1,647 59 
---i2o-35 
 
24:ooii-oo Adtiveasnc_e_s- _o-n__o__th-e-r__C_o_m__m__o_d_i_- 
 
________ _ 
 
Certified Checks -----------Bills Payable __ --------- _- 
 
Checks for Clearing House-_ ________ _ Notes and Bills Rediscounted 90,422 20 
 
Other Checks and Cash Items 111 87 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
atenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- _ _______ _ Liability on Lett~rs of Credit 
 
and Acceptances ---------- 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets: U. S. Treas. Certificates ___ _ 
 
3,000 00 Other Liabilities ----------- 
 
- - - - - Revenue Stamps ______ - ____ _ 
 
83 26 
 
Total --------------------$221,924 11 Total --------------------$221,924 11 
 
 272 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOBT. 
 
GREENVILLE BANKING COMPANY, GREENVILLE. 
 
At Close of Business July 21, 1920. 
 
Plresident-R. J. Atkinson. Vcie-President-J. L. Render. Cashier-W. L. Pinkston. 
Directors-R. J. Atkinson, J. L. Render, A. H. Freeman, B. F. McLaughlin, \V. s. 
Howell, W. T. Strozier, J. A. Gaston, J. R. Gay, J. L . .B~stes. 
 
Date of Charter-1887. 
 
Began Bu.~,iness-1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$203,149 14 Capital Stock Paid in ---------$ 65,000 00 
 
Demand Loans ---------------- 49,488 32 Amount Reserved for Branches: 
 
Loans Secured by Real Estate 
 
Gay Branch ------------------ 25,0ti0 00 
 
United States Bonds ---------- 12,000 00 Surplus Fund ------------------ --------Other Stocks and Bonds_______ ________ _ Undivided Profits -------------- 105,737 !i2 
 
Banking House ---------------- 1,700 00 Dividends Unpaid -------------- --------- 
 
Furniture and Fixtures _______ _ Other Real Estate Owned _____ _ 
 
600 00 Due to Banks in this State ____ 2'35 83 5,000 00 Due to Banks in other States__ --------- 
 
Due from Banks in this State __ 21,137 19 Call Money -------------------- --------Due from Banks in other States 5.014 78 Individual Deposits Subject to 
 
Currency ---------------------- 4,925 00 Check ------------------------ 142,958 45 
 
Gold --------------------------- 800' 00 Demand Certificates of Deposit --------- 
 
Silver, Nickels, Pennies -------Advances on Cotton___________ 
 
____8_3_4__81_ 
 
Time Certificates of Deposit __ Savings Deposits -------------- 
 
49,913 86 --------- 
 
Advances on other Commodities ________ _ Trust Funds on Deposit ______ --------- 
 
Checks for Clearing House ___ _ 
 
42 85 Cashier's Checks -------------- 13'8 40 
 
Other Checks and Cash Items __ 864 3~ Ce,rtified Checks -------------- --------- 
 
Customers' Liability on Letters 
 
Bills Payable ------------------ 145,000 00 
 
of Credit and Acceptances__ --------- Notes and Bills Rediscounted-- ________ _ 
 
Overdrafts (if any)------------ ________ _ Certificates of Deposit for Bor- 
 
Other Assets ------------------ 3,42'7 18 rowed Money ---------------- --------Deposited with Gay Branch__ 165,00'0 00 Liability on Letters of Credit 
 
Capital and Surplus set aside 
 
and Acceptances ------------ --------- 
 
for Gay Branch ------------ 35,000 00 Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$51)8,984 16 Total ------------------------$508,9S4 16 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$1!i0,037 29 Capital Stock Paid in ----------$ 65,000 00 Demand Loans ---------------- 48,252 70 Amount Reserved for Branches: 
 
Loans Secured by Real Estate 6'8.044 47 Gay, Ga., Branch ------------ 25,000 00 
 
United States Bonds ---------- 12,000 00 Undivided Profits: 
 
Other Stocks and Bonds_______ --------- Ca.pltal for Greenville ---------- 40,000 00 
 
Banking House ---------------- 1, 70'0 00 Undivided Profits -------------- 89,521 60 Furniture and Fixtures ______ 9,075 00 Dividends Unpaid -------------- --------- 
 
Other Real Estate Owned ______ 5,000 00 Due to Banks in this State ____ 164 65 
 
Due from Banks in this State__ 15,429 32 Due to Banks in other States__ --------- 
 
Due f,rom Banks in other States 
Currency ---------------------'SGiollvder,--N--i-c-k-e-l-s-,--P-e--n-n-i-e-s--_-_-_-_-_-_- 
 
8,822 44 Call Money -------------------- --------- 
4,478 or Individual Deposits Subject to 860 oo Check ------------------------ 117,030 04 
1,388 8~ Demand Certificates of Deposit --------- 
 
Advances on Cotton --------- 73'2 2  Time Certificates of Deposit __ 44,208 34 
 
Advances on other Commodi- 
 
Savings Deposits -------------- --------- 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e--_-_-_-_- 
 
---2-7-4---23- 
 
Trust Funds on Deposit -----Cashier's Checks -------------- 
 
--------19 42 
 
Othe,r Checks and Cash Items __ 598 94 Ce,rtified Checks -------------- --------- 
 
Customers' Liability on Letters 
 
Bills Payable ------------------ 235.00'0 00 
 
of Credit and Acceptances__ ________ _ Notes and Bills Rediscounted__ --------- 
 
Overdrafts-Of any) ---------- 194 92 Certificates of Deposit for Bor- 
 
Other Assets: 
 
rowed Money ---------------- --------- 
 
Call Account ------------------ 43'8 49 Liability on Letters of Credit 
 
Building Account -------------- 10,617 1F and Acceptances ------------ --------- 
 
Amount Due from Gay Branch 178,000 00 Reserve for Interest and Taxes --------- 
 
Othe,r Liabilities -------------- --------- 
 
Total ------------------------$525,944 05 Total ------------------------$525,944 05 
 
 FIRST ANNUAL REPORT 
 
273 
 
EXAMUI'EB'S BEPOBT. 
 
PEOPLES BANK, GREENVILLE. 
At Close of Business August 5, 1920. 
President-H. Warner HilL Vice-Presidents-A. F. Hill, N. F. Culpepper. 
Cashier-H. vV. Hill, Jr. 
Directors-H. Wa,rner Hill, A. F. Hill, N. F. Culpepper, \V. P. Hill, ,T. R Terrell, R. B. Gilbert, R. S. Parham, W. W. Parham. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$189,063 97 Capital Stock Paid in ----------$ 30,000 00 
 
Demand Loans ---------------- 4,083 71 Amount Reserved for Branches 
 
Loans Secured by Real Estate United 1States Bonds __________ 
 
________ _ 8,1TIS 2f 
 
Surplus Fund -----------------Undivided Profits -------------- 
 
37,035 27 
 
Other Stocks and Bonds_______ ________ _ Dividends Unpaid -------------- 
 
Banking House -------------- 2,000 00 Due to Banks in this State ___ _ 
 
Furniture and Fixtures ________ 500 00 Due to Banks in other States__ 
 
Other Real Estate Ovvned_____ 
Due from Banks in this State__ Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies ________ Advances on Cotton___________ Advances. on other Commodities Checks for Clearing House ____ 
 
________ _ 
6,351 69 7.6~5 3 
6, 729 or 
490 00 1,06S 4' ________ _ ________ _ 
1,on 25 
 
Call Money -------------------Individual Deposits Subject to 
Check ------------------------ 107,656 liZ Demand Certificates of Deposit Time Certificates of Deposit __ 
Savings Deposits -------------- 38,549 66 Cashier's Checks -------------- 115 60 Certified Checks -------------Bills Payable ------------------ 15,000 00 
 
Other Checks and Cash Items 1,256 2.' Notes and Bills Rediscounted __ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ Overdrafts (if any)------------ 
 
________ _ --------- 
 
Liraobvivleitdy MoonneLye-tt-e-r-s---o-f--C--r-e-d-i-t 
 
Other Assets ------------------ ________ _ and Acceptances ------------ 
 
Reserve for Interest and Taxes 
 
Other Liabilities: 
 
Cash Long -------------------- 
 
11 35 
 
Total ------------------------$228,367 90 Total ------------------------$228,367 90 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$171,540 83 
 
Demand Loans ---------------- 4,138 97 
 
Loans Secured by Real Estate --------t,Jnited States Bonds ---------- 8,118 25 
 
Othe,r Stocks and Bonds_______ --------- 
 
Banking House -------------- 2,000 00 Furniture and Fixtures ________ 500 00 
 
Other RPal Estate Ovvned_____ --------Due from Banks in this State__ 10,2T5 69 
 
Due from Banks in other States 1,441 03 
Currency ---------------------- 2.955 r 
 
Gold --------------------------- 490 00 Silver, Nickels, Pennies -------- 1,421 07 
 
Advances on Cotton ---------- 3,662 07 
 
Advances on other Commodities --------Checks for Clearing House __ 292 8~ 
 
Other Checks and Cash Items__ 
 
98 72 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any)------------ --------- 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ----------$ 30,000 00 Amount Reserved for Branches 
 
.Surplus Fnud ------------------ 27,606 17 Undivided Profits ------------- 7,866 2\J 
 
Dividends Unpaid -------------Due to Banks in this State ___ _ 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 65,823 56 Demand Certificates of Deposit Time Certificates of Deposit __ 35,577 59 
 
Savings Deposits -------------Trust Funds on Deposit ------ 
 
Cashier's Checks ------------ 
 
1 00 
 
Certified Checks -------------Bills Payable ------------------ 40,000 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
Liraobvivleitdy MoonneLye-tt-e-r-s---o-f--C--r-e-d-i-t 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$206,874 l'i Total ------------------------$206,874 5~ 
 
 274 
 
BANKING DEPARTMENT 
 
EXAMINEE'S BEPOBT. 
 
GRIFFIN BANKING COMPANY, GRIFFIN. 
 
At Close of Business August 18, 1920. 
 
l'Tesident-J. P. Nicholls. Vice-President-B. R. Blakely. Cashier-E. C. Smith. 
 
Directors-B. R. Blakely, Lloyd Cleveland, W. F. Ingram, J. P. Nicholls, J. P. 
 
Nicholls, Jr., Jno. B. Mill, E. C. Smith, J. H. Stephens, W. H. Williams. 
 
Date of Charter-October 26, 1870. 
 
Began Business-October 26, 1870. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$803,695 77 Capital Stock Paid in ----------$100,000 00 
 
Demand Loans ---------------- 52,76"9 71 Amount Rese.rved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ---------------- 50,000 00 
 
United States Bonds --------- 42,2~6 Or Undivided Profits -------------- 115,065 71 
 
Other Stocks and Bonds ______ 31,375 00 Dividends Unpaid -------------- 500 00 Banking House ---------------- 10.000 r Due to Banks in this State____ 300 55 Furniture and Fixtures ________ 3,000 00 Due to Banks in other States 2,461 2f> 
 
Other Real Estate Owned ____ 5,000 or Call Money -------------------- --------Due from Banks in this State 235,848 06 Individual Deposits Subject to 
 
Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies -------Advances on Cotton___________ 
 
39,645 14 
21,912 00 3,200 00 9, 9(i4 18 --------- 
 
Check ----------------------- 797,766 67 Demand Certificates of Deposit 173,557 89 Time Certificates of Deposit __ --------- 
Savings Deposits -------------- 52,957 10 Trust Funds on Deposit ______ --------- 
 
Advances on other Commodities --------- Cashier's Checks -------------- 8,857 55 Checks for Clearing House ____ 4,158 58 Ce.rtified Checks -------------- --------- 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
1,0ml 91 BNiolltsesPaanydabBleill-s--R--e-d-i-sc--o-u-n-t-e-d-_-_- -_-_-__-_-_-_-_--_ 
 
of Credit and Acceptances___ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ___________ 37,619 Oo rowed Money ---------------- --------- 
 
Other Assets ------------------ 
 
46 32 Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ----------------------$1,301,{66" 72 Total ----------------------$1,301,466 72 
 
BANK'1S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$774,769 29 Capital Stock Paid in --------$100,000 00 
 
Demand Loans ---------------- 57,129 30 Amount Rese.rved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ------------------ 50,000 00 
 
United States Bonds ---------- 40,550 00 Undivided Profits -------------- 109,629 98 
Banking House ---------------- 10,000 nr Dividends Unpaid -------------- ________ _ 
Other Stocks and Bonds______ 31,375 00 Due to Banks in this State ____ 826" 90 
 
Furniture and Fixtures -------Other Real Estate Owned ____ 
 
3,000 5,000 
 
0o0r 
 
Due to Banks in other States__ Call Money -------------------- 
 
~2 32 --------- 
 
Due from Banks in this State__ 134,006 84 Individual Deposits Subject to 
 
Due ~rom Banks in other States 
CUirrency ---------------------Gold -------------------------Silver, Nickels, Pennies -----Advances on Cotton __________ 
 
19,504 42 
10.200 00 3,100 00 4.242 38 19,3"89 2" 
 
Check ----------------------- 482.228 ~? Demand Certificates of Deposit 126,992 38 Time Certificates of Deposit __ ________ _ Savings Deposits -------------- 50,995 20 Trust Funds on Deposit ______ --------- 
 
Advances on other Commodities --------- Cashier's Checks -------------- 534 01 Checks for Clearing House____ 15,387 18 Certified Checks -------------- ________ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
121 11 Bills Payable ------------------ 190,000 oo Notes and Bills Rediscounted 20,000 00 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ---------- 1,90S 
 
rowed Money ---------------- --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
War Savings Stamps ---------- 1,676 00 and Acceptances ____________ --------- 
 
Rese.rve for Interest and Taxes --------Other Liabilities -------------- ________ _ 
 
Total ----------------------$1,131,429 61 Total ----------------------$1,131,429 Ill 
 
 FIRST ANNUAL REPORT 
 
275 
 
E:XAMINEB.'S B.EPOB.T. 
 
MERCHANTS & PLANTERS BANK, GRIFFIN. 
 
At Close of Business October 6, 1920. 
 
President-J. C. Brooks. Vice-President-J. S. Tyus. Cashier-0. S. Tyus. 
Dlrectors-J. C. Brooks, J. S. Tyus, 0. s. Tyus, Jas. M. Brawner, \V. J. Kincaid, 
 
Haskell H. Bass, Allan Little, R. F. Strickland. 
 
Date of Charter-February 28, 1876. 
 
Began Business-July 1, 1889. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$934,518 9( Demand Loans ---------------- 156,426 4' Loans Secured by Rea] Estate --------United States Bonds ---------- 86,478 00 Other Stocks and Bonds ______ 23,450 00 
Banking House ---------------- 20,000 00 Furniture and Fixtures ________ 3,564 44 
Other Real Estate Owned_____ --------Due from Banks in this State 35,780 22 Due from Banks in other States 87,246 82 
Currency ---------------------- 15.332 or 
Gold --------------------------- 250 00 Silver. Nickels, Pennies ______ 3,792 64 Advances on Cotton___________ --------Advances on other Commodities --------Checks for Clearing House and 
Other Checks and Cash Items 8,863 11 Customers' Liabdlity on Letters 
of Credit and Acceptances___ --------Overdrafts (if any) ---------- 24,572 8; 
Other Assets ------------------ 
 
Capital Stock Paid in --------$100,000 00 Amount Reserved for Branches --------Surplus Fund ---------------- 100,000 00 Undivided Profits -------------- 71,660 32 Dividends Unpaid -------------- --------Due to Banks in this State ____ --------Due to Banks in other States__ --------- 
Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 424,092 01 Demand Certificates of Deposit 401,854 91 Time Certificates of Deposit __ --------Savings Deposits -------------- --------Cashier's Checks -------------- 2,668 17 Certified Checks -------------- --------Bills Payable ------------------ 300,000 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ----------------------$1.'100,275 r 
 
Total ----------------------$1,400,275 41 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$857,981 5 Capital Stock Paid in --------$100,000 00 
 
Demand Loans ---------------- 69,829 91 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ----------------- 100,000 0 
 
United ,states Bonds ---------- --------- Undivided Profits ------------- 6'1,412 43 Other Stocks and Bonds ______ 24,278 00 Dividends Unpaid -------------- --------- 
 
Banking House ---------------- 20,0()0 00 Due to Banks in this State ____ --------- 
 
Furniture and Fixtures ________ 3,564 41: Due to Banks in other States__ --------- 
 
Other Real Estate Owned ______ 56,469 5' Call Money ------------------- --------Due from Banks in this State__ 37,981 67 Individual Deposits Subject to 
 
Due from Banks in other States 23,860 29 Check ----------------------- 408,128 44 Cunrency ---------------------- 18,609 1 Demand Ce,rtificates of Deposit 288,914 99 
 
Gold --------------------------- 225 00 Time Certificates of Deposit __ --------Silver, Nickels, Pennies ______ 5,303 70 Savings Deposits -------------- --------Advances on Cotton___________ --------- Trust Funds on Deposit ______ --------- 
 
Advances on other Commodities --------- Cashier's Checks -------------- 778 92 
 
Checks for Clearing House ____ 32,212 2 Certified Checks -------------- ________ _ 
 
Other Checks and Cash Items__ --------- Bills Payable ------------------ 200,000 00 
 
Customers' .Liability on Letters 
 
Notes and Bills Rediscounted__ ________ _ 
 
of Credit and Acceptances__ _ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ 1i889-39 rowed Money ---------------- --------- 
 
Other Assets ------------------ --------- Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- ________ _ 
 
Total ----------------------$1, f62, 234 
 
Total ----------------------$1,162,234 78 
 
 276 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
THE SAVINGS BANK OF GRIFFIN, GRIFFIN. 
 
At Close of Business September 22, 1920. 
 
President-B. rR. Blakely. Vice-President-J. H. Smith. Cashier-J. H. Smith. 
 
Directors-B. R. Blakely, J. H. Smith, J. P. Nichols, T. T. Blakely, F. M. Ben- 
 
ford, M. J. Daniell, L. P. Blanton, vV. H. Beck, J. H. Stevens. 
 
Date of Charter-October 11, 1889. 
 
Began Business-1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$489,708 60 Demand Loans ---------------- 73,841l 2\ Loans Secured by Real Estate ________ _ United States Bonds __________ 16,96U 0{ 
 
Other Stocks and Bonds ______ 8, 000 00 
 
Banking House ---------------- 7,500 00 Furniture and Fixtures ________ 5,945 f- 
 
O'ther Real Estate Owned ____ 10,400 00 
 
Due from Banks in this State__ 12.057 89 
 
Due from Banks in other States 3,626 64 
 
Currency ---------------------Gold --------------------------- 
 
10,324 145 
 
o0<r 
 
Silver, Nickels, Pennies -------- 3, 738 b:: 
 
Advances on Cotton___________ --------- 
 
Advances on other Commodities --------Checks for Clearing House __ 4,548 33 
 
Other Checks and Cash Items 1,488 5 Customers' Liability on Letters 
 
of Credit and Acceptances___ --------Overdrafts (if any) ---------- 9,434 93 Othe,r Assets ------------------ 3,:890 4: vVar :Savings Stamps ---------- 1,692 00 
 
Capital Stoc:K Paid in --------$100,000 00 Amount Reserved for Branches --------Surplus Fund ------------------ 25,000 Oil Undivided Profits ------------- 47,783 80 Dividends Unpaid ------------- --------Due to Banks in this State ____ --------Due to Banks in other States__ --------- 
Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 186,377 43 Demand Certificates of Deposit 74,749 67 Time Certificates of Deposit __ Savings Deposits -------------- 186,247 84 Cashier's Checks -------------- 2,108 22 Certified Checks -------------- 925 00 Bills Payable ------------------ 40,000 00 Notes and Bills Rediscounted __ --------Certificates of Deposit for Bor- 
rowed Thfoney ---------------Liability on Letters of Credit 
and Acceptances ------------ ------- __ Reserve for Interest and Taxes --------Other Liabilities: Cash Long -------------------- 108 91 
 
Total ------------------------$663,300 87 Total ------------------------$663,300 87 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$388,079 70 Demand Loans ---------------- 91,501 38 Loans Secured by Real Estate --------United States Bonds __________ 17,431 F Other Stocks and Bonds ______ 8,000 00 
Banking House ---------------- 7,500 00 Furniture and Fixtures ________ 5,945 53 
Other Real Estate Owned ____ 10,400 or 
Due from Banks in this State__ 24,0Z'5 9? Due from Banks in other States 3,486 81' 
Currency ---------------------- 18,141 00 Gold -------------------------- 105 00 Silve,r, Nickels, Pennies ______ 1,313 24 Advances on Cotton___________ --------- 
Advances on other Commodities --------Checks for Clearing House ____ 3,576 46 Other Checks and Cash Items 9,971 05 Customers' Liability on Letters 
of Credit and Acceptances___ --------Overdrafts (if any) ------------ 2,673 15 Other Assets ------------------ 6, 688 60 
 
Capital Stock Paid in ________ $f00,000 00 Asumrpoluunst FRuensderv__e_d__f_o_r__B__r_a_n_c_h_e__s -2-5~liuo-oo 
Undivided Profits ------------ 46,257 72 Dividends Unpaid ------------- --------Due to Banks in this State ____ --------Due to Banks in other States__ --------Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 185,422 83 Demand Certificates of Deposit 70,212 00 Time Certificates of Deposit __ 
Savings Deposits -------------- 169,709 31 Trust Funds on Deposit ______ ------- _ Cashier's Checks -------------- 2,237 56 Ce,rtified Checks -------------- --------Bills Payable ------------------ ________ _ Notes and Bills Rediscounted __ --------Certificates of Deposit for Bor- 
rowed Money ________________ --------- 
Liability on Letters of Credit 
and Acceptances ------------ --------Rese,rve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ______,__________________ $598,839 42 Total ------------------------$598,839 42 
 
 FIRST ANNUAL REPORT 
 
277 
 
JlXAMINJlB'S BJlPOB'l'. 
 
EFFINGHAM COUNTY BANK, GUYTON. 
At Close of Business August 9, 1920. 
President-R. P. Powell. Vice-Rresident-J. W. Grann. Cashier-G. B. Cubbedge. Directors-B. P. Powers, H. R. Tarver, Sr., A. E. Bird, J. T. '.Vells, C. E. Kistler, 
J. M. Grann, C. J. Turnbull, W. A. Grann, F. R. Rountree, J. C. Hughes. Date of Charter-April 8, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$108,649 07 
 
Demand Loans ---------------- 300 O(} Loans Secured by Real Estate 24.226 44 
 
United States Bonds ---------- 350 lR 
 
Other Stocks and Bonds_______ --------- 
 
Banking House -------------- 4,000 00 Furniture and Fixtures ______ 4, 700 00 
 
Other Real Estate Owned ____ 21,072 93 
 
Due f.rom Banks in this State__ 24,535 4 
 
Due from Banks in other States 3,<512 l1 
 
Currency ---------------------- 3,895 Of' 
 
Gold --------------------------- 
 
60 00 
 
Silver, Nickels, Pennies________ 1.0~4 5f 
 
Advances on Cotton __________ --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House ____ --------- 
 
Other Checks and Cash Items 500 70 
 
Customers' Liability on Letters 
 
of Credit and Acceptances___ --------- 
 
Overdrafts (if any) ---------- 713 25 
 
Other Assets ------------------ 72"2 11 
 
Capital Stock Paid in ________ $ 2o,OOD 
 
Amount Rese.rved for Branches 
 
Surplus Fund ------------------ 1,250 00 
 
Undivided Profits -------------- 
 
Dividends Unpaid ------------Due to Banks in this State ___ _ 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
 
DCemheacnkd -C--e-r-ti-f-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 53,501 92 Time Certificates of Deposit __ 6,614 77 
 
Savings Deposits -------------- 111,146 41 Trust Funds on Deposit ------ 
 
Cashier's Checks -------------- 281 34 
 
Certified Checks -------------- 
 
Bills Payable -----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
27 45 
 
Total ------------------------$197,821 89 Total ------------------------$197,821 89 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$ --------- 
 
Demand Loans ---------------- --------Loans Secured by Real Estate --------- 
 
United States Bonds ---------- 350 0 
 
Othe.r Stocks and Bonds_______ --------- 
 
Banking House -------------- 4,000 00 
 
Furniture and Fixtures ------ 4,7(}0 0\l Other Real Estate Owned ______ 20,731! 92 
 
Due from Banks in this .State__ 4,949 33 
 
Due f.rom Banks in other States 3,034 61 
 
Cunrency ---------------------- 3,129 00 
 
Gold --------------------------- 
 
70 00 
 
Silver, Nickels, Pennies ------ 1, 724 34 
 
Advances on Cotton ---------- --------- 
 
Advances on othe.r Commodities --------- 
 
Checks for Clearing House ____ --------- 
 
Other Checks and Cash Items 542 47 
 
Customers' Liabdlity on Letters 
 
of Credit and Acceptances___ --------- 
 
OVerdrafts (if any) ---------- 410 33 Other Assets ------------------ 1,112 92 Suspense Account ------------ 1,282 75 
 
Capital Stock Paid in ________ $ 25,000 QA Amount Reserved for Branches 
 
Surplus Fund ------------------ 1,250 00 
 
Undivided Profits -------------Dividends Unpaid ------------Due to Banks in this State ___ _ 
 
Due to Banks in other States__ 
 
Call. Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 45,687 28 Demand Certificates of Deposit 
 
Time Certificates of Deposit __ ll,Ull 04 
 
Savings Deposits -------------- 10&,790 98 
 
Trust Funds on Deposit -----Cashier's Checks -------------- 
 
-io37-5 
 
Ce.rtified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed M:oney ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$185,18i Sf Total ------------------------$185,181 88 
 
 278 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
JONES COUNTY BANK, HADDOCK. 
At Close of Business September 2, 1920. 
President-T. R. Turner. Cashier-G. A. Smith. Directors-T. R. Turner, G. A. Smith, 0. H. Kingman, JT., R. H. Kingman, Sr., 
J. A. Middlebrooks, C. W. Middlebrooks. Date of Charter-1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$136,211 87 
 
Demand Loans ---------------- 14,906 18 Loans Secured by Real Estate --------- 
 
United States Bonds ---------- 15,00U 00 
 
Othe,r Stocks and Bonds_______ --------- 
 
Banking House ---------------- 1,590 11 Furniture and Fixtures ------ 1,803 11 
 
Other Real Estate Owned_____ --------Due from Banks in this State__ 8,741 17 
 
Due from Banks in other States 312 75 
 
Currency ---------------------Gold -------------------------- 
 
1,497 25 
 
0oo0 
 
Silver, Nickels, Pennies ------ 1,191J 67 
 
Advances on Cotton ---------- 667 38 
 
Advances on other Commodities --------Checks for Clearing House_____ --------- 
 
Other Checks and Cash Items 155 32 
 
Customers' Liability on Letters 
 
of Credit and Acceptances___ --------Overdrafts (if any) ------------ 3,492 5~' 
 
Other Assets ------------------ -------- 
 
Capital Stock Paid in ________ $ :l5,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided Profits ------------- 34,849 87 
 
Dividends Unpaid ------------Due to Banks in this State____ _ 
 
84 00 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 58,550 58 Demand Certificates of Deposit Time Certificates of Deposit __ 20,390 00 
 
Savings Deposits -------------- 
 
Trust Funds on Deposit ------ 
 
Cashier's Checks -------------- 490 69 
 
Certified Checks -------------Bills Payable ------------------ 35,000 00 Notes and Bills Rediscounted __ 11,000 00 Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Depreciation and 
 
Taxes ------------------------ 228 01 
 
Other Liabilities -------------- 
 
Total ------------------------$185,593 1f Total ------------------------$185,593 15 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 
Demand Loans ---------------- 
 
88,731 53,659 
 
48 83 
 
Loans Secured by Real Estate 
 
United States Bonds (Liberty) Othe,r Stocks and Bonds _____ _ Banking House ---------------Furniture and Fixtures -------Other Real Estate Owned____ _ 
 
15,000 00 250 00 
1,590 11 
1,803 11 
 
Due from Banks in this State 1,529 44 
 
Due from Banks in othe.r States ,124 2' 
 
Currency ---------------------- 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s-------------Advances on Cotton ---------Advances on other Commodi- 
 
1,547 00 55 00 658 8} 
2,529 93 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e--__-_-_-_- 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ _ 
 
199 94 
 
Overdrafts (if any) ---------- 609 29 
 
Other Assets ------------------ 
 
Capital Stock Paid in --------$ 25,1JOO or 
Amount Reserved for Branches 
 
Surplus Fund ------------------ 
 
Undivided Profits ------------- 30,273 29 
 
Dividends Unpaid -------------Due to Banks in this State_____ 
 
84 00 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit __ Savings Deposits -------------Trust Funds on Deposit ------ 
 
43,356 2n 17,460 00 
 
Cashier's Checks -------------Certified Checks --------------Bills Payable -----------------Notes and Bills Rediscounted__ 
Certificates of Deposit for Bor- 
 
886 68 
-3-5~000-00 17,000 00 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Depreciation -----Other Liabilities -------------- 
 
228 01 
 
Total ------------------------$169, 2ll8 
 
Total ------------------------$169,2ll8 23 
 
 FIRST ANNUAL REPORT 
 
279 
 
EXAMINER'S BEPOBT. 
 
EVANS COUNTY BANK, HAGAN. 
 
At Close of Business December 27, 1920. 
 
Pcr-esident-J. Directors-J. 
 
A. A. 
 
Sikes. Sikes, 
 
Vice-Presidents-B. 
 
D. 
 
A. 
 
Cashier Calder, 
 
-Bs.. 
 
c. 
T. 
 
T. Ellis, L. Kennedy. Ellis, J. A. 
 
H. Kennedy, DeLoach, L. 
 
E. H. 
 
T. Riggs. Kennedy, 
 
C. E. Graybill. 
 
Date of Charter-March 12, 1919. 
 
Began Business---,March 22, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 52,242 94 
Demand Loans .. --------------Loans .Secured by Real Estate __ United <States Bonds ---------Other Stocks and Bonds______ _ 
 
FBuarnnkiitnugre HaonudseFix-t-u-r-e-s--__-_-_-_-_-_-_Other Real Estate Owned ____ _ Due from Approved Reserve 
Agents ---------------------Due from Banks in other States 
 
2,100 00 2,105 00 
2,860 00 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_--_ 
 
Advances on Cotton ---------Advances on other Commodi- 
 
Chtieecsks--f-o-r--C-l-e-a-r-i-n-g--H--o-u-s-e--__-_-_-_Other Checks and Cash Items._ Customers' Liability on Letters 
of Credit and Acceptances__ _ Overdrafts (if any)-----------Other Assets: 
Cash -------------------------- 
 
1,015 92 
 
Capital Stock Paid in ________; 25,000 00 
Amount Reserved for Branches --------Surplus Fund ------------------ --------Undivided Profits ------------- 187 95 Dividends Unpaid ------------ --------Due to Banks in this State_____ --------Due to Banks in other States --------Call Money -------------------- --------Individual Deposits Subject to 
Check ---------------------- 10,678 36 Demand Certificates of Deposit --------Time Certificates of DeposiL_ 12,350 55 Savings Deposits -------------- --------Trust Funds on Deposit ------ --------Cashier's Checks ------------- 307 lr4 Certified Checks -------------- --------Bills Payable ------------------ 11,800 00 Notes and Bills Rediscounted._ --------Certificates of Deposit for Bor- 
,rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$ 60,324 2r Total ------------------------$ 60,324 20 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 46,569 !'>' Demand Loans ---------------- 100 00 Loans Secured by Real Estate 5,389 68 
 
United States Bonds ---------- --------Other Stocks and Bonds_______ --------- 
 
Banking House -------------- 2,100 00 Furniture and Fixtures ______ 2,105 00 
 
Other ReaJ Estate Owned_____ --------Due from Banks in this State__ 741 33 Due from Banks in other States 129 53 
 
Currency ---------------------Gold --------------------------Silver, Nickels. Pennies ------ 
 
608 00 
7 50 359 09 
 
Advances on Cotton ---------- --------Advances on other Commodi- 
 
ties -------------------------- --------- 
 
Checks for Clearing House_____ --------- 
 
Other Checks and Cash Items 
 
87 98 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances _--- _- --- - --- --- --- - -- - _-- -- - 
 
Overdrafts (if any)------------ 
 
91 32 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in --------$ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided Profits -------------- 
 
61 63 
 
Dividends Unpaid -----------Due to Banks in this State____ _ 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ---------------------- 10:,752 99 Demand Certificates of Deposit 
 
Time Certificates of DeposiL_ 12,350 55 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 123 81 
 
Certified Checks -------------Bills Payable ------------------ 10,000 1)0 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
,rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 58,n8 9r Total ------------------------$ 58,2.88 98 
 
 280 
 
BANKING DEPARTMENT 
 
EXAMiliEB'S BEPOBT. 
 
BANK OF HAHIRA, HAHmA. 
 
At Close of Business August 18, 1920. 
 
President-L. :M. Stanfill. Vice-Presidents-W. H. Overstreet, E. J. Smith. Cashier-W. H. McKinnon. 
Directars-L. M. Stanfill, W. H. Overstreet, E. J. Smith, J. B. Hutchinson, A. T. Coppege, B. L. Wilkerson, J. E. Webb. 
 
Date of Charter-January 22, 1906. 
 
Began Business-February 15, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$188,659 81 Capital Stock Paid In _______ $ 35,000 00 
 
DLoemanasndSeLcuoraends by--R--e-a-l-E--s-t-a-teUnited States Bonds-Treas. OtCheerrtiSfitcoactkess an-d---B-o-n-d-s-_-_-_-_-_- 
 
__8.,2_1_9___01_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
undivided Profits ---------- 
 
_1_5_,_0_0_0__00. 
 
Dividends .Unpaid ---------Due to Banks in this State __ 
 
10,000 00 14,552 14 
8 00 
 
BFuanrnkiitnugreHaonudse F-ix--tu--re--s-_-_-__--_ 
 
2,215 00 1,648 75 
 
Due to Banks in other States Call Money ___ -- -- __ ------- 
 
-------20 
 
Other Real Estate Owned ___ _ 
 
952 27 Individual Deposits Subject 
 
Due from Banks in this State 36,071 51 to Check __ - - -- _-- - --- - - - 128,860 41 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ------------------CGuolrdren_c_y____-_---- -_--_-_-_-_-_-_-_-_-__--_ 
Silver, Nickels, Pennies ____ _ 
 
8,853 52 4,263 00 
 
STaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_i_t__ 
 
81,551 73 
 
90 00 Cashier's Checks ----------- 
 
756 03 
 
1,161 06 Certified Checks - ___ --- _--- _ 
 
Advances on Cotton and Po,tatoes ------------------ 
 
1, 753 96 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C_ o_m__m_ _o_d_i-_ ________ . CeBrtoifrircoawteesd oMf onDeyepo_s_i_t___f_or_ 
 
Checks for Clearing House__ 12,715 11 Liability on Letters of Credit 
 
Other Checks and Cash Items 
 
241 44 and Acceptances -- __ -- __ 
 
Customers' Liability on Let- 
 
Reserve for Interest and Taxes 
 
atenrcsesof _C_r_e_d__it__a-n-d__A__c_c_e-p_t_- 
 
- ___ - - __ _ 
 
Other Liabilities: Deposits and Notes 
 
Paid ___ _ 
 
11,697 03 
 
Overdrafts (if any) -------- 
 
3 20 
 
Other Assets: 
 
In Transit ----------------- 
 
580 90 
 
Total -------------------$182,428 54 Total -------------------$182,428 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$123,281 95 Capital Stock Paid Jn _______ $ 35,000 00 
 
-io:ooo-oo Demand Loans ------------- 8,466 15 m t. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -----Other Stocks and Bonds _____ 
 
71,605 15 ----------------- 
 
SUunrdpilvuids edFuPnrdofi-t-s--_-__------_-_---_-_-_ Dividends Unpaid __ - ___ -- __ 
 
20,567 83 8 00 
 
Banking House ------------ 2,215 00 Due to Banks in this State __ Furniture and Fixtures_____ 1,648 75 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
952 27 Call Money __ --- __ --- _-- __ 
 
Due from Banks in this State 18,719 77 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ________ - _----- _ 98,607 21 
 
States ------------------Currency ----------------SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
8,696 55 Demand Certificates of Deposit 492 87 
 
3,384 00 80 00 
 
Time Certificates of Deposit_ Savings Deposits __________ _ 
 
75,749 82 
 
1,117 98 Trust Funds on Deposit----- 
 
Advances on Cotton __ ------_ ------- __ Cashier's Checks ----------- 
 
A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
____ -- __ _ 
 
Certified ChecKs ____ -- __ --- _ Bills Payable --------------- 
 
Advances on Sweet Potatoes_ 
 
229 65 Notes and Bills Rediscounted 
 
---i2o-oo Checks for Clearing- House __ 
Other Checks and Cash Items 
 
Certificates of Deposit for Borrowed Money --- _---- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
and Acceptances Reserve for Interest and Taxes 
 
Overdrafts (if any) ________ ____ --- __ Other Liabilities ___ --- _---- 
 
Other Assets ____________ - __ -- __ --- __ 
 
Total --------------------$240,517 22 Total --------------------$240,517 22 
 
 FIRST .ANNUAL REPORT 
 
281 
 
ll:XAMilll'llB:S :RIIPO:R'l'. 
 
THE CITIZENS BANK, HAHIRA. 
 
At Close of Business October 8, 1920. 
 
President-J. J. Witherington. Vice-President---John A. Hodges. 
 
Directors-.J. 
 
.r. 
 
CashieT-D. K. Hollis. Witherington, Jno. A. Hodges, D. K. 
 
Hollis, 
 
E. 
 
D. 
 
webb, 
 
Sr., 
 
J. W. Coppage, Hardy King. 
 
Date of Charter-November, 1913. 
 
Began Business-February, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ -$ Demand Loans ___________ _ 
 
76,616 38 3,460 01 
 
Capital Stock Paid In _______ $ 25,000 00 nt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
Surplus Fund -------------Undivided Profits ---------- 
 
966 32 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid _____ ----- 
 
FBuarnnkiitnugreHaonudse F-ix--tu--re--s-_-_-_-_-_ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton _______ _ 
 
3,708 08 
-7:ao5- s7 
2,453 23 2,075 00 
45 00 356 08 
 
Due to Banks in this State_CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S-t_a_te-sIndividual Deposits Subject Detmo aCnhdeCcekrti-l-l.-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of DeposiL Savings Deposits _____ -----Trust Funds on DeposiL-- __ Cashier's Checks ----------- 
 
- -7~000- 00 
15,000 00 41,104 48 
7,548 90 
2,646 78 
 
Advances on other Commodi- 
 
Certified Checks --- _-------- 
 
Chteiceks s -fo--r --C-l-e-a-r-in-g---H-o--u-s-e---- 
 
Bills Payable-Cash Long -356 74 Notes and Bills Rediscounted 
 
33 01 
 
Other Checks and Cash Items 
 
141 00 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -_-_-_-_ _- _-_- -_ 
 
and Acceptances -- _--- __ Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ---- _------ 
 
Depositors' Guarantee Fund_ 2,782 10 
 
Total --------------------$ 99,299 49 Total --------------------$ 99,299 49 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ -$ 69,274 06 Demand Loans ------------- 5,265 61 Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Bankin,g- House ___________ _ 
 
Furniture and Fixtures ____ _ 3, 708 OR 
 
Other Real Estate Owned ___ _ Due from Banks in this State 
 
-1-2:551-28 
 
Due from Banks in other 
 
States -------------------- 1,665 99 
 
Currency -----------------SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton _______ _ 
 
1,562 00 50 00 
229 58 
 
Advances on other Commodi- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
76 10 
 
O. vaenrcdersafts---(i-f--a-n-y-)---_-_-__-_-_-_--_ 
 
"th er Assets: Depositors' Guarantee Fund_ 2,782 10 
 
Capital Stock Paid In _______ $ 25,000 00 
 
Amt. Reserved for Branches Surplus Fund __ - _____ ------ 
 
Undivided Profits ---------Dividends Unpaid ____ ----- 
 
'1ne to Banks in this State-_ Due to Banks in other States 15,000 00 
 
Call Money ---------------IntdoiviCdhueacl k D_e_p_o_s_i_t_s___S-u_b_j_e_c_t 35,748 29 
 
Demand Certificates of Deposit Time Certificates of Deposit_ 12,710 90 
 
Savings Deposits --- __ -----Trust Funds on DeposiL---Cashier's Ch-ecks _________ _ 
 
344 76 
 
BCielrltsifiePdayCahbelecks_____-_-_-_-_-_-_-_-_--_ 7,500 00 
 
Notes and Bills "Rediscounted Certificates of Deposit for 
Borrowed Money __ ---- _- 
 
Liability on Letters of Credit 
 
and Acceptances Reserve for Interest and Taxes Other Liabilities _____ - ____ _ 
 
Total --------------------$ 97,164 80 Total --------------------$ 97,164 80 
 
, 
 
 282 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF HAMILTON, HAMILTON. 
 
At Close of Business August 6, 1920. 
 
President-C. H. Cook. Vice-Presidents-J. F. C. williams., J. H. Mobley. Cashier-T. W. TelfDTd. 
Directors-C. H. Cook, J. F. C. Williams, J. H. Mobley, T. W. Telfo.rd, 0. S. Barnes, J. H. Lynch. 
 
Date of Charter-J-anuary 18, 1905. 
 
Began Business-January 18, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans - ___ - __________ $110,050 20 Capital Stock Paid In. _____ .$ 16,200 00 
 
Demand Loans ------------- 4,055 30 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund ------------- 
 
United States Bonds _______ _ Other Stocks and Bonds ____ _ 
 
- -3~000- iiii 
 
Undivided Profits Dividends Unpaid 
 
------------------- 
 
3,240 00 1,264 20 
60 00 
 
FBuarnnkiitnugreHaonudse F-ix--tu--r-e-s-. -_-__--_ Other Real Estate Owned ___ _ 
 
1,686 16 2,205 04 1,036 22 
 
Due to Banks in this State Due to Banks in other States Call Money __ - _--- __ - ___ - _ 
 
Due from Banks in this State Due from Banks in other 
 
1,995 93 
 
Individual Deposits Subject to Check __ - -- - - - _-- _- -- - 
 
34,549 97 
 
cu~~~~~~ -===============:== 
GS iol vl de r ,- -N- -i-c-k-e-l s-,- -P-e-n- n- -i e-s-_-_-_-_-_- 
 
t:r~~ gg Demand Certificates of Deposit Time Certificates of Deposit_ 
 
-8-2~ 946-00 
 
1,56985 2030 
 
Savings Deposits Cashier's Checks 
 
--------------------- 
 
154 50 
 
Advances on Cotton ________ Advances on other Commodi- 
 
--------- 
 
Certified Checks ___ - _------ _ Bills Payable __ - ___ - _______ _ 
 
Chteiecks s -fo--r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ Other Checks and Cash Items 
 
- - - -1-3-2- -5-3 745 50 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money __ -- __ - _ 
 
Customers' Liability on Letatenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
LiaanbdilitAy cocnepLtaenttceerss o_f__C-r_e_d_i_t Reserve for Interest and Taxes 
 
Cverdrafts (if any) _______ _ 
 
6 27 Other Liabilities --- _------ _ 
 
Other Assets: 
 
Depositors' Guarantee Fund. Mutual Fire Ins. Fund_____ _ 
 
3,464 50 120 00 
 
Total --------------------$138,414 67 Total --------------------$138,414 67 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ .$115,098 57 Capital Stock Paid In-------$ 16,200 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
3,975 69 5,644 00 
 
Amt. Reserved for Branches Surplus Fund ------------- 
 
- -3~24ii- iiii 
 
United States Bonds ------- --------- Undivided Profits ---------- 
 
664 75 
 
Other Stocks and Bonds_____ 3,000 00 Dividends Unpaid --------- 
 
Banking House ------------ 1,686 16 Due to Banks in this State. Furniture and Fixtures_____ 2,205 04 Due to Banks in other States 
 
Other Real Estate Owned____ 1,036 22 Fort Lee, N. Y. 
 
Due from Banks in this State DuSetatfersom___B__a_n_k_s___i_n___o_t_h_e_r 
Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-.-_-__--_ Advances on Cotton Seed ___ _ 
 
15,914 93 
 
6,233 3, 700 
 
7oo2 
 
105 00 
 
1,541 12 
 
1,201 83 
 
Call Money --------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of DeposiL Savings Deposits ----------Trust Funds on Deposit. __ -- 
 
60,242 25 76,628 38 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 
 
Chteiecks s -fo--r --C-l-e-a-r-in--g--H-o--u-s-e-_-_ ----6-44---0-3 CBeilrltsifiPeadyaCbhleeck_s___-_-_-_-_-_-_----_------ 
 
Other Checks and Cash Items 7,191 98 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
atenrcsesof _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t-_ Overdrafts (if any) _______ _ 
 
________ _ 2 10 
 
Borrowed Money __ -----Liability on Letters of Credit 
and Acceptances _------- 
 
Other Assets: Mutual Fire Ins. Fund _____ _ 
 
120 00 ROethseerrveLfiaobr iIlnittieerses_t_a_n__d_T__a_x_e_s 
 
Total ___________________ .$162,108 41 
 
Total --------------------$162,108 41 
 
 FIRST ANNUAL REPORT 
 
283 
 
E:XAMINEB'S BEPOB'l'. 
 
BANK OF HAMPTON, HAMPTON. 
 
At Close of Business October 4, 1920. 
 
President-W. P. Wilson. Vice-President-D. J. Arnold. Cashier-J. 0. Rutherford. 
 
Directors-W. P. Wilson, D. J. Arnold, ,J. 0. Rutherford, J. M. Tarpley, J. L. 
 
Moore, H. G. Fields. 
 
Date of Charter-December 17, 1902. 
 
Began Business-October 1, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$222,163 79 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 6,415 25 Am t. Reserved for Branches Loans Secured by Real Estate --------- Surplus Fund -------------- 30,000 00 United States Bonds ------- 10,834 00 Undivided Profits ---------- 18,479 15 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid --------Banking House ------------ --------- Due to Banks in this State-Furniture and Fixtures_____ 1,200 00 Due to Banks in other States 
 
Other Real Estate Owned___ Due from Banks in this State DuSetatfersom___B__a_n_k_s___in____o_t_h_er_ 
Currency -----------------SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton ________ _ 
 
________ _ 41,305 01 
5,478 37 12,601 00 
205 00 732 88 5,827 98 
 
Call Money --------------IntdoiviCdhueacl k D_e_p_o_s_i_t_s___S_u_b_j_e_c_t 154,736 24 
 
Demand Certificates of Deposit 
 
Time Certificates of DeposiL 80,193 00 
 
Savings Deposits ----------Cashier's Checks ---------- 
 
---iii7-5o 
 
Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable--------------- 
 
Chteiecks s -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ Other Checks and Cash Items 
 
- -1-, 5- 8- 8- - -4-0 ________ _ 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _____ - __ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
at enrcse so f_ _C_r_e_d_i_t _ _a_n_d_ _A_ _c_c_e_p_t -_ 
 
________ _ 
 
and Acceptances _- ____ -Reserve for Interest and Taxes 
 
Overdrafts (if any) _______ _ 
 
Other Liabllities ________ - __ 
 
Other Assets _______________ ________ _ 
 
Total --------------------$308,625 89 Total --------------------$308,625 89 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$196,837 71 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 5,350 25 ~ m t. Reserved for Branches 
 
Loans Secured by Real Estate 28,194 50 Surplus Fund -------------- 30,000 00 
 
United States Bonds ------OB at hnekri nSgt o cHkosu saen d _ B_ _o_n_d_s___________ 
 
10,000 00 -_-_-_-_-__-_-_- -_ 
 
DfTinvdidiveinddeds PUrnopfiatisd -_-_-_-_-_-_-_-_--_ Due to Banks in this State-_ 
 
22,297 06 
 
Furniture and Fixtures_--_- 1,200 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money --------------Due from Banks In this State 8,340 23 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check---------------- 114,073 52 
 
States ------------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-------- 
 
4,032 01 Demand Certificates of DepoRit 
 
3,998 00 Time Certificates of DeposiL 74,027 00 
 
205 00 830 97 
 
TSarvuisntgFs uDndepsoosintsD-e-p-o-s-i-t_--_-__--_ 
 
Advances on Cotton __ --- _Advances on other Commodi- 
ties --------------------- 
 
13,607 77 --------- 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ 
 
33 00 10,0.00 00 
 
Checks for Clearin,- Ho11se __ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2,000 14 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _____ --- 
 
atenrcsesof_ _C_r_e_d_i_t__a_n_d__A_ _c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Accentances 
 
Overdrafts (if any) ------- _ ______ - __ R<>serve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ________ - __ 
 
War Savings Stamps ------- 
 
834 00 
 
Total --------------------$275,430 58 Total ________ -- ___ -------$275,430 58 
 
 284 
 
BANKING DEPART:MENT 
 
E:X:AMilii'EB'S B.EPOB.'r. 
 
BANK OF HAPEVILLE, HAPEVILLE. 
 
At Close of Business August 9, 1920. 
 
President~J. M. Daniel. Vice-President-A. C. Kidd. Cashier-Zack Adamson. 
 
Directors-E. R. Drake, 0. C. Kidd, A. S. Fort, Jr., W. J. Lee, P. D. Fort, J. L. Sims, J. M. Daniel, Z. Adamson, J. T. Lassiter, Jr. 
 
Date of Charter-January 11, 1911. 
 
Began Business-January 17, 1911 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$174,292 5o Capital Stock Paid In_________$ 15,000 00 
 
Demand Loans ---------------- 8, 755 67 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ------------------ 10,000 00 United States Bonds___________ --------- Undivided Profits ------------- 4,847 04 Other Stocks and Bonds ______ _ 12,824 73 Dividends Unpaid -------------- --------- 
 
Banking House --------------- 2,673 64 Due to Banks in this State_____ --------Furniture and Fixtures ______ _ 2,9fi0 r; Due to Banks in other States --------Other Real Estate Owned _____ _ 2,8&2 09 Call Money ------------------- --------Due from Banks in this State 13,9$ ~)C Individual Deposits Subject to 
 
Due from Banks in other States Currency ---------------------- 
 
5,365 4,529 
 
2o2r 
 
GSiollvder-, --N-i-c-k-e-l-s-.--P--e-n-n-i-e-s-_-_-_-_-_-_-_-_ 
 
90 00 703 65 
 
Advances on Cotton __________ --------- 
 
Check ----------------------- 179,183 : Demand Certificates of Deposit --------Time Certificates of Deposit___ 6,490 76 Savings Deposits -------------- --------Cashier's Checks -------------- 661 64 
 
Advances on other Commodities ________ _ Certified Checks --------------- --------- 
 
Checks for Clearing House ____ --------- Bills Payable ------------------ 15,000 00 
 
Other Checks and Cash Items Customers' LiabilitY on Lette,rs 
 
217 01 Notes and Bills Rediscounted --------Ce.rtificates of Deposit for Bor- 
 
of Credit and Acceptances___ --------- rowed Money ---------------- --------Overdrafts (if any) ___________ 1,912 : Liability on Letters of Credit 
 
Other Assets ------------------ ________ _ and Acceptances ------------ --------- 
 
Re-serve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$231,18"3 3r Total ------------------------$231,18'3 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 94.4~1 ? 
 
Demand Loans ---------------- 6,908 28 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
72.341 2' 13,142 4F 
 
Other Stocks and Bonds-------- 
 
Banking House --------------Furniture and Fixtures ______ _ Other Real Estate Owned____ _ 
Due trom Banks in this State Due f.rom Banks in other States 
Currency ---------------------GSiolvlder,---N--ic-k-e-l-s-,---P-e-n-n--ie--s-_-__-_-_-_-_ Advances on Cotton _________ _ 
 
2,673 64 2.950 ; 
2,779 14 7,461 04 4,239 40 1,842 r 
182 0' 1,126 51 
 
Advances on othe.r Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items Customers' LiabilitY on Lette.rs 
of Credit and Acceptances__ _ 
 
125 6? 
 
Overdrafts (if any) unsecured 1,98'"2 
 
Other Assets: 
 
Overdrafts Advanced on Cotton 3,589 4 
 
Capital Stock Paid In _________$ 15,000 OC 
Amount Reserved for Branches --------Surplus Fund ------------------ 10,000 00 Undivided Profits -------------- 5,470 99 Dividends Unpaid -------------- --------Due to Banks in this State_____ --------Due to Banks in other States --------Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 134,862 42 Demand Certificates of Deposit --------Time Certificates of Deposit__ 5,336 26 
Savings Deposits -------------- --------Trust Funds on Deposit ------ --------Cashier's Checks -------------- 155 61 Certified Checks --------------- --------Bills Payable ------------------ 45,000 00 Notes and Bills Rediscounted --------Ce.rtificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------ -- .. ___ _ Total ------------------------ --------- 
 
 FIRST ANNUAL REPORT 
 
285 
 
EXAMINER'S BEPOB'l'. 
 
BANK OF COLUMBIA COUNTY, HARLEM. 
 
At Close of Business September 17, 1920. 
 
President-E. D. Clary. Vice-President-J. T. Barnsley. Cashier-W. S. Lazenby. 
 
Directors-\V. S. Lazenby, L. M. Conner, W. C. Clary, J. I. Phillips, John Lamkin, J. L. Weeks, W. H. Howell, J. E. Greene. 
 
Date of Charter-November 29, 1909. 
 
Began Business-November 29. 1909. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosa 
 
n-s---_-_-_-_-_-_--_-_-_-_-_-_-_-_-_$_16 
 
7,881 8,950 
 
74 00 
 
Loans Secured by Real Estate United States Bonds__________ 
 
10 '7n5o0 
 
4f 32 
 
Capital Stock Paid In _________$ 25,000 00 
 
ASumrpoluunst FRuensderv__e_d__f_o_r__B__r_a_n_c_h_e__s 
 
--------9,902 60 
 
Undivided Profits ------------ 7,815 72 
 
OBathnekrinSgtocHkosuasne d _B__o_n__d_s_-_-_-_-_-_-_-_- 
 
--6-,-00-0---00- 
 
Dividends Unpaid -------------Due to Banks in this State_____ 
 
----------------- 
 
Furniture and Fixtures________ 2,104 5f Due to Banks in other States --------- 
 
Other Real Estate Owned_____ Due from Banks in this State Due from Banks in other States Currency ---------------------Gold -------------------------Silver, Nickels, Pennies-------Advances on Cotton____________ 
Advances on other Commodities 
 
________ _ 
14,446 90 4.227 1. 
6,690 00 27 50 
856 87 ________ _ ________ _ 
 
Call Money ------------------- --------Individual Deposits Subject to 
Check _______________________ 100,478 42 
Demand Ce.rtificates of Deposit --------Time Certificates of. DeposiL__ 81,516 21 Savings Deposits ______________ --------Trust Funds on DeposiL______ --------Cashier's Checks ______________ 2,213 03 
 
Checks for Clearing House____ 357 27 Certified Checks --------------- --------- 
 
Other Checks and Cash Items 3,1(J4 09 Bills Payable ------------------ --------- 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted --------- 
 
of Credit and Acceptances___ ________ _ Ce.rtificates of Deposit for Bor- 
 
Ove!'drafts (if any) ------------ 1,093 95 rowed Money ---------------- --------Other Assets ------------------ ________ _ Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities: 
 
Cash Long (over) ------------- 253 79 
 
Total ------------------------$227,179 77 Total ------------------------$227,179 77 
 
BANK'S STATEMENT at Close of Business December 15. 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s-- 
 
-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_$_11 
 
2,932 30.389 
 
30 2o 
 
Loans Secured by Real Estate 18,621 15 
 
United States Bonds___________ --------Other Stocks and Bonds_______ ________ _ 
 
Banking House --------------- 6,000 00 Furniture and Fixtures________ 2,104 5~ 
 
Other Real Estate Owned______ --------Due from Banks in this State__ 16,195 17 
 
Due from Banks in other States 5,574 70 
 
Currency ---------------------- 7,931 00 
 
Gold --------------------------- 
 
20 00 
 
Silver, Nickels, Pennies________ 1,198 5r 
 
Advances on Cotton____________ ________ _ 
 
Advances on othe.r Commodities ________ _ 
 
Checks for Clearing House_____ ________ _ 
 
Other Checks and Cash Items 3,25ll 93 Customers' Liability on Lette,rs 
 
of Credit and Acceptances___ --------- 
 
Overdrafts (if any) ------------ 1,126 !i' Other Assets ------------------ ________ _ 
 
Capital Stock Paid In _________$ 25,000 00 Amount Reserved for Branches --------Surplus Fund ------------------ 9,902 60 Undivided Profits -------------- 6, 757 08 Dividends Unpaid ------------- --------Due to Banks in this State_____ --------Due to Banks in other States --------Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 92,067 95 Demand Certificates of Deposit --------Time Certificates of Deposit-- 63,694 2 Savings Deposits ______________ --------Trust Funds on Depos!L______ --------Cashier's Checks ______________ 1,911 30 Certified Checks ---------~----- --------Bills Payable ------------------ 6,000 00 Notes and Bills Rediscounted ________ _ Ce.rtificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$205.333 1 
 
Total ------------------------$205,333 16 
 
 286 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB':r. 
 
BANK OF HARRISON, HARRISON. 
 
At Close of Business October 14, 1920. 
 
President-J. C. King, Jr. Vice-President-Wiley Smith. Cashier-JohnS. Harrison. 
 
Directors~J. C. King, Jr., Wiley Smith, E. S. Peacock, G. R. Beddingfield, S. P. 
 
Price, J. S. Harrison. 
 
Date of Charter-March 12, 1906. 
 
Began Business-March 27, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 72,884 66 Demand Loans ---------------- 8,549 78 Loans Secured by Real Estate United States Bonds__________ _ 
 
Other Stocks and Bonds______ _ 
 
Banking House ---------------- 1,962 00 Furniture and Fixtures ______ _ 2,067 65 Other Real Estate Owned____ _ 
 
Due from Banks in this State 19,384 50 
 
Due from Banks in other States 2,899 73 
 
Currency ---------------------Gold --------------------------Silver, Nickels. Pennies_______ _ Advances on Cotton ___________ _ 
 
1,886 00 400 00 883 70 
 
Advances on other Commodities Checks for Clearing House___ _ Other Checks and Cash Items__ 
 
105 38 
 
Customers' LiabilitY on Letters 
 
of Credit and Acceptances__ _ 
 
Overdrafts (if any) ------------ 5,181 13 
 
Other Assets: 
 
Cash Short -------------------- 
 
6 25 
 
Capital Stock Paid In__________$ 25,000 00 
 
Amount Reserved for Branches Surplus Fund ----------------- 
 
--5~~0-00. 
 
Undivided Profits ------------- 1,840 86 
 
Dividends Unpaid ------------Due to Banks in this State'____ _ 
 
Due to Banks in other States 
 
Call Money ------------------Individual Deposits Subject to 
Check ----------------------- 37,854 99 Demand Certificates of Deposit 
 
Time Certificates of Deposit__ 21,119 81 
 
Savings Deposits -------------Trust Funds on Deposit_ _____ _ 
 
Cashier's Checks -------------- 395 12 
 
Certified Checks --------------Bills Payable ------------------ 10,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and A.cceptances -----------Reserve for Inte.rest and Taxes 
 
Other Liabilities -------------- 15,000 00 
 
Total ------------------------$116,210 78 Total ------------------------$116,210 78 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 58,177 82 Demand Loans ---------------- 11,399 76 Loans Secured by Real Estate 6,8~8 00 United States Bonds__________ _ 
 
Other Stocks and Bonds ______ _ 
 
Banking House ---------------- 1,962 00 Furniture and Fixtures _______ _ 2,067 65 Other Real Estate Owned ____ _ 
 
Due from Banks in this State 22,125 11 
 
Due f.-om Banks in other States 5.364 00 
 
Currency ---------------------GSiollvder,--N--i-c-k-e-l-s-, --P-e-n-n--ie--s-_-__-_-_-_-_--_ Advances on Cotton _________ _ 
 
2, 772 00 290 00 
1,042 51 1,950 03 
 
Advances on other Commodities Checks for Clearing House ____ _ 
 
Other Checks and Cash Items__ 350 12 
 
Customers' Liability on Lette.rs 
 
of Credit and Acceptances__ _ 
 
Overdrafts (if any) ------------ 127 92 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches Surplus Fund ----------------- 5,000 00 
 
Dividends Unpaid ------------Due to Banks in this State____ _ 
 
Due to Banks in other States 
 
Call Money ------------------Undivided Profits -------------Individual Deposits Subject to 
Check ----------------------Demand Ce.rtificates of Deposit Time Certificates of Deposit__ 
 
2,608 88 44,614 46 11,599 81 
 
Savings Deposits -------------Trust Funds on Deposit_ _____ _ 
 
Cashier's Checks -------------- 703 77 
 
Certified Checks --------------Bills Payable ------------------ 10,000 00 Notes and Bills Rediscounted Ce,rtificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities: Reserve Account -------------- 15,000 00 
 
Total ------------------------$144,526 92 Total ------------------------$144,526 92 
 
 FIRST ANNUAL REPORT 
 
287' 
 
E:XAlllliNEB.'S B.EPOB.T. 
 
FARMERS & MERCHANTS BANK, HARTWELL. 
 
At Close of Business .November 6, 1920. 
 
Pl"esident-J. H. Skelton. Vice-President-J. A. W. Brown. Cashier-J. L. Massey. 
 
Directors-J. H. Skelton, J. A. W. Brown, A. N. Alford, R. P. Bradley, J. B. 
 
Gaines, J. R. Leard, B. A. Thornton, McAlpine Thornton. 
 
Date of Charter-January 13, 1900. 
 
Began Business-February 1, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$345,104 16 
 
Demand Loans ---------------- 13,970 25 Loans Secmed by Real Estate --------United .States Bonds__________ 35,000 00 Other Stocks and Bonds_______ ________ _ 
 
Banking House ---------------- 8, 70\) 00 Furniture and Fixtures________ 3,122 50 
 
Other Real Estate Owned_____ -------- Due from Banks in this State, 
 
and Due from Banks in other 
 
States ----------------------- 30,521 51 Currency ---------------------- 3,696 00 
 
Gold -------------------------- 283 50 Silver, Nickels, Pennies________ 1,124 06 Advances on Cotton____________ 45,674 45 
 
Advances on othe.r Commodities --------- 
 
Checks for Clearing House___ _ 
 
68 16 
 
Other Checks and Cash Items 540 15 
 
Customers' Liability on Letters 
 
of Credit and Acceptances___ --------Overdrafts (if any)____________ 1,031 04 
 
Other Aassets ------------------ 
 
4 66 
 
Capital Stock Paid Jn __________ $100,000 00 
Amount Reserved for Branches --------Surplus Fund ----------------- 12,000 00 Undivided Profits ------------- 11,674 93 Dividends Unpaid _____________ --------Due to Banks in this State_____ --------Due to Banks in other States --------Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 133,416 90 Demand Ce.rtificates of Deposit ________ _ Time Certificates of Deposit__ 53,132 57 
Savings Deposits -------------- --------Trust Funds on Deposit_______ --------Cashier's Checks -------------- 3,616 04 Certified Checks --------------- --------Bills Payable ------------------ 175,000 00 Notes and Bills Rediscounted-- --------Ce.rtificates of Deposit for Bor- 
rowed MoneY. ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
Other Liabilities -------------- --------- 
 
Total ------------------------$488,840 4 Total ------------------------$488,840 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$310,215 02 
 
Demand Loans ---------------- 8,149 04 Loans Secured by Real Estate 13 556 00 
 
United States Bonds__________ 35:ooo 00 
 
Other Stocks and Bonds_______ --------- 
 
Banking House ---------------- 8,700 00 Furniture and Fixtures________ 3,122 50 
 
Other Real Estate Owned_____ _ Due from Banks in this State__ -28~ifu!-i3 
 
Due from Banks in other States 9,445 6F 
 
Currency ---------------------- 6,699 00 
 
Gold --------------------------- 286 00 Silver, Nickels, Pennies________ 1,399 19 
 
Advances on Cotton ---------- 22,642 68 
 
Advances on other Commodities --------- 
 
Checks for Clearing House___ --------- 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
532 75 
 
of Credit and Acceptances___ -------- 
 
Overdrafts (if any) ---------Other Assets: 
 
422 92 
 
Stock in Federal Reserve Bank 3,400 00 
 
Capital Stock Paid Jn__________ $100,000 00 
 
Amount Reserved for Branches Surplus Fund ----------------- 
 
-1-2~000-00 
 
Undivided Profits ------------- 12,421 28 
 
Dividends Unpaid ------------- --------Due to Banks in this State_____ --------- 
 
Due to Banks in other States --------Call Money -------------------- ________ _ 
 
Individual Deposits Subject to 
 
Check ----------------------- 119,2:ffi 52 Demand Ce,rtificates of Deposit --------Time Ce,rtificates of Deposit__ 31,602 69 
 
Savings Deposits -------------- --------Trust Funds on Deposit_______ --------- 
 
Cashier's CheckS -------------- 1,311 42 Certified Checks --------------- ________ _ 
 
Bills Payable ------------------ 140,000 00 
 
Notes and Bills Rediscounted --------Ce.rtificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ ________ _ 
 
Reserve for Interest and Taxes --------Other Liabilities: 
 
Liberty Bonds with Federal 
 
Reserve Bank -------------- 35,000 00 
 
Total ------------------------$451,573 91 Total ------------------------$451,573 91 
 
 288 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
THE HARTWELL BANK, HARTWELL. 
 
At Close of Business November 8, 1920. 
 
President-D. C. Alford. Vice-President-M. M. Norman. Cashier~R. C. Thornton. 
 
Directors-M. M. Norman, D. C. Alford, R. C. Thornton, W. I. Haley, R. E. Matherson, I. J. Phiiiips, L. L. McMuiian, .J. W. Williams. 
 
Date of Charter-1887. 
 
Began Business-1887. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$367,099 84 Capital Stock Paid Jn ____ -- -$ 60,000 00 
 
Demand Loans ------------- 99,759 6:: Amt. Reser,ed for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
35,6n 47,200 
 
47 00 
 
Surplus Fund -------------Undivided Profits ----------- 
 
30,000 00 23,484 69 
 
Other Stocks and Bonds_____ 3,700 00 Dividends Unpaid _-- __ ---- 
 
Banking House -------------- 7,000 00 Due to "Banks in this State_- 
 
Furniture and Fixtures_____ 2,903 08 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State 
 
190 00 Cn11 Money --------------217 13 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
CGuolrdren_c-y___-__-_-_-_-_-_------_-_ -----------_-- 
 
25,674 52 DetomaCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 201,378 75 4,417 00 Time Certificates of Deposit_ 104,929 60 170 ou Savings Deposits ----------- 4.761 92 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ 
 
652 40 Trust Funds on Deposit__--37,208 15 Cashier's Checks ----------- 
 
5, 808 00 
 
A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Certified ChPcks ____ -- __ ---Bills Payahle _____ --- _- _--- 
 
95,000 00 
 
Checks for Clearing House __ 3,R33 30 Notes and Bi11s Rediscounted 106,687 06 
 
Other Checks and Cash Items 1,556 81 Certificates of D'eposit for 
 
Customers' Liah\Iity on Let- 
 
Borrowed Money --------- 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t -_ 
 
________ _ 
 
Liability on Letters and Acceptances 
 
of Credit -------- 
 
Overdrafts (if any) _______ _ Other Assets --------------- 
 
3,153 93 45 51 
 
Reserve for Interest and Taxes Other Liabilities _________ _ 
 
8,424 
 
74 
 
Total --------------------$640,474 76 Total --------------------$640,474 76 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$394,635 52 Capital Stock Paid In _______ $ 60,000 00 
 
Demand Loans ------------- 49,353 06 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 25,440 00 Surplus Fund -------------- 30,000 00 United States Bonds________ 44.850 00 Undivided Profits __ -- __ ---- 22,513 55 
 
Other Stocks and Bonds_____ 1,000 00 Dividends Unpaid --------- 
 
Banking House -------------- 7,000 00 Due to Banks in this State_- 
 
Furniture and Fixtures_____ 2,903 08 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
190 00 Ca11 Money --------------- 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-__- -_ Advances on Cotton _______ _ 
 
23,794 26 Individual Deposits Subject to Check ----------------- 185,245 76 
7,449 23 Demand Certificates of Deposit 3,385 00 Time Certificates of DeposiL 70,399 76 
290 00 Savings Deposits ----------- 4,520 68 739 20 Trust Funds on DeposiL---17,566 43 Cashier's Checks ----------- 1,371 33 
 
Checks for Clearin~ House __ Other Checks and Cash Items A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
Overdrafts (if any) ________ _ 
 
5,413 05 2, 047 43 ________ _ 2,831 24 
 
Certified Checks -----------Bills Payable--------------- 95,000 00 Notes and Bi11s Rediscounted 119,212 97 Cert\fica tes of Deposit for 
Borrowed Money --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
L. and D. Bonds for CustoS t mo cekr sF e d-. -R- -e-s-e-r-v-e- -B-a-n-k- -_-__-_- -_ 
 
and Acceptances --------R50 00 Due Clearing House _- __ ---2, 700 00 Cash Over ___ --- _-- _-- _----- 
 
4,020 50 152 95 
 
L.BBanoknds__w__i_th___F_e_d_.__R__e_s_e_r_ve_ 
 
Liberty Bonds on Depos!L-500 00 
 
500 00 
 
Total --------------------$592,937 50 Total --------------------$592,937 50 
 
 'l 
 
FIRST ANNUAL REPORT 
 
289 
 
EXAJIIDI'EB'S BEPOBT. 
 
HAWKINSVILLE BANK & TRUST COMPANY, HAWKINSVILLE. 
 
At Close of Business October 9, 1920. 
 
President-E. J. Henry. Vice-Presidents--D. E. Duggan, H. F. Lawson. 
 
Cashier-J. H. Caldwell. 
 
Director&-D. E. Duggan, E. J. Henry, H. F. Lawson, J. H. Caldwell, L. A. Jordan. 
 
Date of Charter-,September 14, 1872. 
 
Began Business--August 26, 1872. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$213,538 63 Capital Stock Paid In-------$ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
50,361 68 20 800 00 
 
ASumrtp.luRs eFseurnvded __f_o_r__B_r_a_n_c_h-e- s_ 
 
--------5,000 00 
 
United States Bond.s _ _______ 9:550 00 Undivided Profits ----------- 26,495 76 
 
Other Stocks and Bonds ----- 18,000 00 Dividends Unpaid --------- _ 
 
45 00 
 
Banking House ------------- 20,000 00 Due to Banks in this State-- --------Furniture and Fixtures _____ --------- Due to Banks in other States __ --- _- _- 
 
Other Real Estate Owned ____ 27,10Q 00 Call Money ---------------- --------Due from Banks in this State 9,508 44 Individual Deposits Subject 
 
States ------------------Due from Banks in other 
 
6,647 
 
16 
 
to Check ----------------- 120,598 Demand Certificates of Deposit 11,613 
 
94 88 
 
States ------------------- --------- Time Certificates of DeposiL 88,496 43 
 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ 
 
2,411 00 1,315 00 1,315 45 
 
Savings Deposits -- ___ ----- _ Trust Funds on Deposit_ ____ Cashier's Checks ______ ----- 
 
--------. --------- 
783 14 
 
Advances on Cotton _________ --------- Certified Checks ------------ 
 
28 50 
 
Advances on other Commodi- 
 
Bills Payable -------------- 41,000 00 
 
Chteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u--se--__- 
 
--------3,852 10 
 
Notes and Bills Certificates of 
 
Rediscounted Deposit for 
 
48,502 91 
 
Other Checks and Cash Items 3,394 52 Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t -_ 
 
________ _ 
 
and Acceptances _-------Reserve for Interest and Taxes 
 
----------------- 
 
Overdrafts (if any) -------- 4,780 58 Other Liabilities ----------- --------- 
 
Other Assets --------------- --------- 
 
Total --------------------$392,564 56 Total --------------------$392,564 56 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$196,770 44 Capital Stock Paid In-------$ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ____ BaFnikxitnugreHs ou_s_e__a_n_d__F__u_r_n_i_t_u_re_ 
Other Real Estate Owned. __ _ Due from Banks in this State Due from Banks in other 
States ------------------CGuolrdren_c_y__ ----------_-__-_----------_-_-_-__--_ Silver, Nickels, Pennies ____ _ Advances on Cotton _____ ~ __ 
 
47,376 93 Amt. Reserved for Branches 
 
23,070 10,200 
 
00 00 
 
US unrdpi vl ui ds e dF uPnrdo f-i t-s- - -_-_-__- _-_- -------- 
 
18,000 00 Dividends Unpaid ---------- 
 
Due to Banks in this State __ 
 
20,000 00 Due to Banks in other States 27,100 00 Call Money --------------- 
3,257 89 Individual Deposits Subject 
 
9,929 29 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p--o-s-it 1,979 00 Time Certificates of Deposit_ 1,280 00 Savings Deposits ----------2,231 48 Trust Funds on DeposiL--- _ 4,715 27 Cashier's Checks _____ -- ---. 
 
5,000 00 '25, 381 20 
45 00 
95,602 67 6,482 88 
91,594 72 1,014 52 
 
A dtvi easn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Certified Checks -----------Bills Payable -------------- 
 
1,892 81 46,000 00 
 
Checks for Clearing House __ 2,141 94 Notes and Bills Rediscounted 47,152 21 
 
Other Checks and Cash Items 2,058 13 Certificates of Deposlt for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
-any)-:::===:: Ovae~~~'!.ft; -(i 
 
----55-64 
 
and Acceptances _____ --- _ Reserve for Interest and Taxes 
 
Other Assets --------------- --------- f)ther Liabilities ----------- 
 
Total --------------------$370,166 01 Total --------------------$370,166 01 
 
 290 
 
BANKING DEPARTMENT 
 
E:XAMI:NEB.'S B.EPOB.T. 
 
PLANTERS BANK, HAWKINSVILLE. 
 
At Close of Business OctobeT 12, 1920. 
 
President-N. A. Jelks. Vice-President-W. N. Parsons. Cashier-C. H. Reynolds. 
 
Directors-W. A. Jelks, '1'. B. Ragan, W. N. Parsons, N. A. Jelks. 
 
Date of CharteT-February 27, 1896. 
 
Began Business-March, 1896. 
 
RESOURCES 
 
LIABU.JTIES 
 
Time Loans -------------------$261,784 04 
 
Demand Loans ---------------- 111,491 43 Loans SecUred by Real Estate 15 000 00 
 
United States Bonds__________ 19;266 76 
 
Other Stocks and Bonds_______ --------- 
 
Banking House and Furniture 
and Fixtures ---------------- 18,000 or 
Other Real Estate Owned______ 669 15 
 
Due ~rom Banks in this State__ 51,895 93 
 
Due from Banks in other States 28,633 5; 
 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies________ 
 
9,229 10 
1,514 
 
0o0o 
3 
 
Advances on Cotton____________ 14,621 41 
 
Advances on othe.r Commodities --------Checks for Clearing House____ 1,896 46 
 
Other Checks and Cash Items 193 89 
 
Customers' Liability on Letters 
 
of Credit and Acceptances___ --------- 
 
Overdrafts (if any) ------------ 
 
11 
 
Other Assets: 
 
Revenue Stamps -------------- 
 
60 00 
 
War Savings Stamps ---------- 169 20 
 
Capital Stock Paid In__________$ 50,000 00 
Amount Reserved for Branches --------Surplus Fund ----------------- 50,000 Ot Undivided Profits ------------- 63,070 92 Dividends Unpaid ------------- --------Due to Banks in this State_____ --------Due to Banks in other States --------Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 227,288 50 Demand Certificates of Deposit 12,381 36 Time Certificates of Deposit__ 124,389 13 Savings Deposits -------------- -------Trust Funds on Deposit_______ --------Cashier's Checks -------------- 678 70 Certified Checks --------------- --------Bills Payable ------------------ --------Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes 6,626 69 Other Liabilities -------------- --------- 
 
JTotal -----------------------$534,435 30 JTotal -----------------------$534,430 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$218,341 18 
 
Demand Loans ---------------- 107,723 00 Loans Secured by Real Estate 26,082 4 
 
United States Bonds__________ 19,266 76 
 
Other Stocks and Bonds_______ -------- 
 
Banking House and Furniture 
 
and Fixtures ---------------- 18,000 00 Other Real Estate Owned______ 1,836 lC 
 
Due from Banks in this State__ 16,974 37 
 
Due from Banks in other States 22,755 21 
 
Currency ---------------------- 9,932 ou 
 
GSiolvlder,--N--i-c-k-e-l-s-, --P-e-n-n-i-e-s-_-_-_-_-_-_-_-_- 
 
20 00 1,777 8 
 
Advances on Cotton (overdraft) 56,163 2F 
 
Advances on other Commodities --------- 
 
Chec){s for Clearing House____ 1,018 23 
 
Other Checks and Cash Items.. 472 9C 
 
Customers' Liability on Letters 
 
of Credit and Acceptances___ --------- 
 
Overdrafts (if any) ------------ 
 
69 
 
Other Assets: 
 
Revenue Stamps on Account__ 
 
80 00 
 
Capital Stock Paid In__________$ 50,000 00 
Amount Reserved for Branches --------Surplus Fund ----------------- 50,000 00 Undivided Profits -------------- 63,297 63 Dividends Unpaid -'------------ --------Due to Banks in this State_____ --------Due to Banks in other States --------Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 159,983 62 Demand Certificates of Deposit 10,068 83 Time Certificates of Deposit___ 111,056 67 Savings Deposits -------------- --------Trust Funds on Deposit_______ 5,402 62 Cashier's Checks -------------- 1,669 96 Certified Checks -------------- 100 35 Bills Payable ------------------ 43,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for lnter.est and Taxes 5,864 35 Other Liabilities -------------- --------- 
 
Total ------------------------$500,444 O:l Total ------------------------$500,444 03 
 
 FIRST ANNUAL REPORT 
 
291 
 
EX:AMINEB.'S B.EPOB.T. 
 
BANK OF HAZELHURST, HAZELHURST. 
 
At Close of Business August 10, 1920. 
 
President-T. H. Weatherly. Vice-President-Wm. Miller. Ca.shier~J. F. Matthews. 
 
Directors-T. H. Weatherly, Wrri. MHJe,r, T. W. Kirkland, J. E. Spann, J. F. 
 
Matthews. 
 
Date of Charter-October 19, 1906. 
 
Began Business--October 19, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$134,715 91' 
 
Demand Loans ---------------- 24& 11 
 
Loans Secured by Real Estate --------United States Bonds___________ --------- 
 
Other Stocks and Bonds_______ --------- 
 
FBuarnnkiitnugreHaonudse F-i-x-t-u-r-e-s--_-__-_-_-_-_--_ Other Real Estate Owned_____ _ 
Due from Banks in other States Due from Banks in other States 
 
4,940 42 2,346 69 7,487 'ff; 
1,249 77 1,294 77 
 
Currency ---------------------- 4,191 00 
 
GSio!vld.er-, -N--i-c-k-e-l-s-, --P-e-n-n--ie-s--__-_-_-_-_-_--_ 
 
60 00 67ll' 81 
 
Advances on Cotton____________ --------- 
 
Advances on othe,r Commodities --------- 
 
Checks for Clearing House ___ _ 
 
53 00 
 
Other Checks and Cash Items __ 71U 06 
 
Customers' Liability on Letters 
 
Ovoef rdCrraefdtist (aifndanAy)cc_e_p_t_a_n_c_e_s_______ 
 
--------200 00 
 
Other Assets: 
 
Depositors' Guarantee Fund___ 3,416 80 
 
Witham Mutual Fire Insurance 
 
Fund ------------------------ 120 00 
 
Cash Short -------------------- 
 
8 21 
 
Capital Stock Paid In__________ $ 15,000 OU 
Amount Reserved for Branches --------Surplus Fund ----------------- 3,000 00 Undivided Profits ------------ 1,0"81r 7~ Dividends Unpaid ------------- --------Due to Banks in this State_____ --------Due to Banks in other States --------Call Money -------------------- 35,000 00 Individual Deposits Subject to 
Check ----------------------- 59,558 5~ Demand Certificates of Deposit 12,05l! 2~ Time Certificates of Deposit___ 43,344 76 
Savings Deposits -------------- --------Cashier's Checks -------------- 804 35 Certified Checks --------------- --------Bills Payable ------------------ --------Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$170,454 69 Total ------------------------$170,41)4' 69 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 87,28~ 34 Capital Stock Paid In__________$ 15,000 00 
 
Demand Loans ---------------- 428,14 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 29,092 34 Surplus Fund ----------------- 3,000 00 
 
United States Bonds__________ _ Profit and Loss_______________ _ 
 
---611-85 
 
Undivided Profits -------------Dividends Unpaid ------------- 
 
----------------- 
 
BF uarnnkiitnugr e Haonuds eF i-x-t-u-r-e- s- -_-_-__- _-_-_- -_ Othe.r Real Estate Owned _____ _ Due from Banks in this State __ 
 
4,940 42 Due to Banks in this State_____ --------2,3'1{\ 69 Due to Banks in ot!J.tr States --------7,487 H Call Money -------------------- 5,000 00 2,391 67 Individual Deposits Subject to 
 
Due from Banks in other States 3, 732 4? Check ----------------------- 59.580 1" 
 
Currency ---------------------GSiollvder-, -N--i-c-k-e-l-s-. -P--e-n-n--ie-s--__-_-_-_-_-_--_ Advances on Cotton___________ _ 
 
7,674 01"' Demand Ce,rtificates of Deposit --------110 00 Time Certificates of Deposit___ J>4,H6 74 896 04 Savings Deposits -------------- --------Trust Funds on Deposit_______ --------- 
 
Advances on other CommodiChtieecsks--f-o-r--C--l-e-a-r-i-n-g--H--o-u-s-e--__-_-_- 
 
5,n00 nc 
 
Cashier's Checks -------------Certified Checks -------------- 
 
3,910 12 150 00 
 
1,221 67 Bills Payable ------------------ 15,000 00 
 
Other Checks and Cash Items 1,874 27 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Letters 
 
Ce.rtificates of Deposit for Bor- 
 
of Credit and Acceptances__ _ Overdrafts (if any)------------ 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ------------ --------- 
 
County Vouchers -------------- 466 00 Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$156,056 02 Total ------------------------$156,056 02 
 
 292 
 
BANKING DEPARTMENT 
 
EXAllllilii'EB'S BEPOBT. 
 
THE JEFF DAVIS BANKING COMPANY, HAZELHURST. 
 
At Close of Business October 11, 1920. 
 
President---G. W. Yarn. Yi-ce-Presidents-L. W. Johnson, H. Cook. 
 
Cashier-F. M. Haynes. 
 
Directors-G. W. Yarn, J. D. Cobb, W. H. Tyson, L. W. Johnson, Z. W. Kirkland, H. Cook, L. C. usrey. 
 
Date of Charter-September 4, 1917. 
 
Began Business--January 1, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$221,160 42 
 
Demand Loans ---------------- 6,824 67 Loans Secured by Real Estate --------United States Bonds __________ 2,500 0 
 
Other Stocks and Bonds_______ --------- 
 
Banking House ---------------- --------Furniture and Fixtures________ 4,920 03 
 
Other Real Estate Owned______ --------- 
 
Due from Banks in this State__ 11,337 55 
 
Due from Banks in other States 7M "" 
 
Currency ---------------------- 6,035 00 
 
Gotd --------------------------- 1,3"80 00 Silver, Nickels, Pennies________ 481 11 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodi- 
 
Chtieecsks--f-o-r--C--l-e-a-r-i-n-g--H--o-u-s-e--__-_--_ 
 
16,U19 9' 822 72 
 
Other Checks and Cash Items 1,845 95 
 
Customers' Liability on Letters 
 
of Credit and Acceptances--- ________ _ 
 
Overdrafts O,f any) ---------- 1,230 81 
 
Other Assets ------------------ 14,131! 92 
 
Cash Short -------------------- 
 
2 28 
 
Capital Stock Paid In__________$ 30,000 00 
Amount Reserved for Branches --------Surplus Fund ---------------- --------Undivided Profits ------------- 833 73 Dividends Unpaid ------------ 348 80 Due to Banks in this State_____ --------Due to Banks in other States --------Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 116,604 50 Demand Ce,rtificates of Deposit --------Time Certificates of Deposit____ 90,447 40 
Savings Deposits -------------- --------Trust Funds on Deposit_______ --------Cashier's Checks -------------- 1,469 81 Certified Checks --------------- --------Bills Payable ------------------ 40,01)0 00 Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- 9,1r50 18 
 
Total ------------------------$289,Z54 4' Total ------------------------$289,354 4" 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$137 ,fl39 57 Capital Stock Paid In----------$ 30,000 00 
 
Demand Loans ---------------Loans Secured by Real Estate United States Bonds__________ Other Stocks and Bonds_______ Banking House ~-------------Furniture and FIIX:tures________ 
 
6,904 67 77,0I8" 31 
100 00 14,384 31 
--------4,920 03 
 
Amount Reserved for Branches 
Surplus Fund -----------------Undivided Profits -------------Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States__ 
 
4,345 93 34&80 
9,60!1 18 
 
Due from Banks in this State__ 10,702 5r Call Money ------------------Due from Banks in other States "2m) 41 Individual Deposits .Subject to 
 
Currency ---------------------- 2,394 00 Check ----------------------- 85,110 94 
 
GSiollvder-, -N--i-c-k-e-l-s-, --P-e-n-n-i-e-s-_-_-_-_-_-_-_-_- 
 
70650" 8080 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
87,951 48 
 
Advances on Cotton____________ Advances on other Commodi- 
 
61!> Or STarvuisntgsFuDnedpsosoints D--e-p-o-s-i-t-_-_-__-_-_--_ 
 
ties, Cotton Seed and Prod- 
 
Cashier's Checks -------------- 44:7 52 
 
ucts ------------------------Checks for Clearing House___ _ Other Checks and Cash Items Customers' Liability on Lette.rs 
 
3,425 7F 817 67 
 
Certified Checks --------------Bills Payable ------------------ 
 
-55~000-00 
 
200 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------Advances on Lumber___________ 2,390 11 Liability on Letters of Credit 
 
Overdrafts (if any) ____________ --------- and Acceptances ------------ 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
4th Liberty Bonds, etc_______ _ 599 67 Other Liabilities -------------- 
 
Secured by Timber and Lum- 
 
- - - - - - ber -------------------------- 10,216 97 
 
Total ------------------------n'73,354 85 Total ------------------------$273,354 85 
 
------------------------------------------------------------------------- 
 
 n 
 
FIRST ANNUAL REPORT 
 
293 
 
EXAMDI'EB'S BEE'OBT. 
 
BANK OF HELEN, HELEN. 
At Close of Business August 11, 1920. 
 
President-J"no. E. Mitchell. Vice-President-Chas. E. Marse. 
 
Cashier-M. ;r, Williams. 
 
Directors--Jno. E. Mitchell, Chas. E. Morse, M. ;r. Williams, C. W. Oakes, W. T. 
 
Stovall, 
 
A:.r.R.:r.PeKrleenyn, e;ry,r,., 
 
B. T. 
 
A. Rogers, G. A. B. Hende.-son, 
 
Vandiver, W. C. W. L. Wood. 
 
White, 
 
Date of Charter-J"uly 4, 1913. 
 
Began Business-July 4, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 30,080 04 
Demand Loans ---------------Loans Secured by Real Estate 
 
United States Bonds ---------- 3,500 00 
 
Other Stocks and Bonds ______ _ 
 
BFuarnnkiitnugreHoaunsde F-i-x-t-u--re--s-_-_-__-_-_-_--_ 
 
--3~2~-;;~ 
830 33 
 
Other Real Estate Owned _____ _ 2,531 00 
 
Due from Banks in this State__ 44,93fi 24 
 
Due from Banks in other States Currency ---------------------- 
 
783 1,247 
 
6o2r 
 
GSiolvlder,--N--i-c-k-e-l-s-. -P--e-n-n--ie-s--__-_-_-_-_-_--_ Advances on Cotton ___________ _ 
 
2"3'5' 00 32 41 
 
Advances on othe,r Commodities Checks for Clearing House __ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
5'5 39 
 
Overdrafts (if any) ------------ 
 
411 
 
Other Assets: 
 
Ti!'ansit: 
 
Independent Trust Co., Char- 
 
lotte, N. C. ------------------ 357 09 
 
Capital Stock Paid In__________$ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ---------------- --------Undivided Profits -------------- 6,030 77 
 
Dividends Unpaid ------------- --------Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 54,064 1!' 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
-l!l~63_o-91 
 
Savings Deposits -------------- --------Cashier's Checks -------------- 110 72 
 
Certified Checks --------------- --------- 
 
Bills Payable ------------------ --------Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities not Included 
 
in the Above Deposits________ 
 
4 70 
 
Total ------------------------$ 87,841 2f Total ------------------------$ 87,841 26 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 4o.1~~  Demand Loans ---------------- 1,732 10 Loans Secured by Real Estate 733 5~ 
United States Bonds ---------- 3,500 on 
Other Stocks and Bonds______ _ 
 
BFuarnnkiitnugreHoanudse F-i-x-t-u-r-e--s-_-_-_-__-_-_--_ Other Real Estate Owned _____ _ 
Due from Banks in this State__ Due ~rom Banks in other States 
 
3.250 00 i<31'i :' 
2,531 00 21,9R2 97 
768 70 
 
Currency ---------------------GSiollvder,--N--i-c-k-e-l-s-. -P--e-n-n--ie-s--__-_-_-_-_-_--_ Advances on Cotton ___________ _ 
 
1,150 00 305 00 
129 74 
 
Advances on othe,r Commodities Checks for Clearing House__ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Oredit and Acceptances__ 
 
25 00 
 
Overdrafts (if any)------------ 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________$ 15,000 00 
Amount Reserved for Branches --------Surplus Fund ---------------- --------Undivided Profits ------------- 6,505 20 Dividends Unpaid ------------- --------Due to Banks in this State____ --------Due to Banks in other States__ --------- 
Call Money ------------------- --------Individual Deposits Subject to 
Check ----------------------- 49,629 9"1 Demand Certificates of Deposit --------Time Certificates of Deposit-__ 13,619 94 
Savings Deposits -------------- --------Trust Funds on Deposit_______ --------Cashier's Checks -------------- 372 03 Certified Checks --------------- --------Bills Payable ------------------ --------Notes and Bills Rediscountt>d-- --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------LiabilitY on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$ 85,127 0~ Total ------------------------$ 85,127 0" 
 
 294 
 
BANKING DEPARTMENT 
 
BXAJIIUNEB.'S B.EPOB.T. 
 
CITIZENS BANK, HELENA. 
 
At Cloa" of Buaines July 26, 1920. 
 
President-0. W. Turner. Cashier-J. T. West. 
 
Directors-0. W. Turner, J. T. West, R. L. Clark, W. L. Tidwell, J. P. Wood, 
 
.J. T. Allen, S. J. Meadows, L. 0. Benton, John Vestal. 
 
Date of Charter-October 2, 1905. 
 
Began Business-October 2, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 53,543 19 Capital Stock Paid In-------$ 15,000 00 
Demand Loans ------ ____ - __ 2,813 69 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surp1us Fund --------- ____ _ 
 
United States Bonds ________ Other Stocks and Bonds_____ 
 
400 00 2, 700 00 
 
UDnivdiidveidnedds PUrnopfiatisd --- -_-_-_-_-__-_-_--_ 
 
4,801 22 
 
Banking House ------------- 2,350 71 Due to Banks In this State __ 
 
Furniture and Fixtures_____ 2,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ 1,200 85 Call Money _--- _--- _----- __ 
 
Due from Banks ln this State oe from Banks in other 
 
6,178 09 IntdoivCidhueaclk D_:e_p_o_s_i_t_s__S__u_b_j_e_c_t 38,196 91 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ Advances on Cotton_________ 
A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
1,692 06 Demand Certificates of Deposit 
 
2,063 00 Time Certificates of DeposiL 
 
62 50 Savings Deposits --- _------- 
 
__1_,5_8__5__04_ ________ _ 
 
Cashier's Checks ----------CBeilrltsifiePdayCahbelecks_______-_-_----------_-_ -_ Notes and Bills Rediscounted 
 
17,558 17 --~-.7oo-5s 
 
Checks for Clearing House-_ 
 
664 23 Certificates of Deposit for 
 
Other Checks and Cash Items ________ _ Borrowed Money __ ------ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesof- _C_ r-e_d_i_t_ _a_n_d__A__c_c_e_p_t-_ 
 
________ _ 
 
and Acceptances __ ----- __ Reserve for Interest and Taxes 
 
Overdrafts (If any) _______ _ 
 
180 35 Other Liabilities: 
 
Other Assets: 
 
Assessment Fund ___ -- _- --- 
 
357 50 
 
Cash Short ----------------- 
 
180 77 
 
Total --------------------$ 77,614 58 Total ~-------------------$ 77,614 58 
 
BANK'S STATEMENT at Close of BusinMs December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ -$ Demand Loans __ _________ _ 
 
53,233 4,056 
 
90 85 
 
Capital Stock Paid In _______ $ 15,000 Amt. Reserved for Branches 
 
00 
 
roans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ 
 
400 00 1,950 00 
 
USunrdpivluidsedFuPnrdof-it-s---__--- -_-__-_-_-_--_ Dividends Unpaid _________ _ 
 
3,905 05 
 
Banking House - _- _- __ - ____ _ 2,350 71 Due to Banks In this State __ 
 
Furniture and Fixtures ____ _ 2,000 00 Due to Banks In other States 
 
Other Real Estate .Owned ___ _ Due from Banks in t>,is State 
 
1,200 85 Call Money ---------------835 91 Individual Deposits Subject 
 
DPe from Banks in other States ------------------- 
Currency -----------------GSiollvder,_-N-.i-c-k-e-l-s-, --P-e-n-n--ie-s-_-_-_-_--_ 
 
420 94 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 593 00 Time Certificates of Deposit_ 
62 50 Savings Deposits ___ - ______ _ 1,660 00 Trust Funds on Deposit_ ___ _ 
 
32,020 73 1&.401 80 
 
Advances on Cotton ____ - ___ _ Advances on other Commodi- 
 
Cashier's Checks ----------Certified Checks ____ -- __ -- __ 
 
1,017 89 
 
Chteiecsks --fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ 
 
Bills Payable ______ - ___ -- __ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-------- 
 
ters of Credit and Accept- 
 
Llab!Iity on Letters of Credit 
 
O vaenrcdersa f t-s- - -( i-f- -a-n-y- )- - -- -_-- -_-_-_ -- -_ 
 
and Acceptances _--- _-- __ 46 85 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ___ -- __ --- _ 
 
Total --------------------$ 70,345 47 Total_--------------------$ 70,345 47 
 
 FIRST ANNUAL REPORT 
 
295 
 
EXAMDI'EB.'S B.EPOB.T. 
 
BANK OF mAWASSEE, HIAWASSEE. 
 
At Close of Business August 10, 1920. 
 
I'Tesident-J. F. Johnson. Vice-Presidents-J. J. Kimsey, J. M. Rice. 
 
Cashier-W. 0. Sparks. 
 
Directorg.....-,J, F. Johnson, J. M. Rice, Frank Loyd, D. W. Franks, J. J. Kinsey, J. B. Russell, W. 0. Sparks, J. V. Twiggs. 
 
Date of Charter-June, 1909. 
 
Began Business-June, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans Demand Loa 
 
-ns 
 
--------------$11 ------------- 
 
55;o2o8o4 
 
o4o7 
 
Loans Secured by .Real Estate United States Bonds ------- 
 
-4-0~-0-0-0--0-0 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 3,000 00 Undivided Profits ---------- 5,133 85 
 
Other Stocks and Bonds _____ --------- Divideni!s Unpaid ___ ------Banking House _____________ 1,000 00 Due to Banks in this State_- 
 
Furniture and Fixtures ____ 1,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
590 00 Call Money _____ - _________ _ 
 
Due from Banks in this State 4,292 73 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
161 56 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 49,501 13 
 
Currency ------------------ 1,683 00 Time Certificates of Deposit_ 100,829 95 
 
Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton_________ Advances on other Commodi- 
ties __ - ______ - __ ----- _---- 
 
275 00 Savings Deposits ----------- 
 
1,548 78 ________ _ 
 
Cashier's Checks __ --------Certified Checks ------------ 
 
Bills Payable -------------- 
 
--------- Notes and Bills Rediscounted 
 
646 50 
 
Checks for Clearing House __ 
 
330 02 Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
119 85 Borrowed Money --------Liabilitv on Letters of Credit 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t_Overdrafts (If any) _______ _ 
 
________ _ 16 72 
 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities: 
 
Other Assets: 
 
Deposits ________ - _- _------- 
 
573 25 
 
Depositors' Guarantee Fund_ 3,262 55 
 
- - - - Fire Insurance Fund ______ _ 
 
120 00 
 
Total ------- _____________ -$174,684 68 
 
Total _________________ --- _$174,684 68 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$139,995 05 Capital Stock Paid In-------$ 15,000 00 
 
Demand Loans ------------- 5,000 00 Amt. Reserved for Branches Loans Secured by Real Estate 25,640 92 Surplus Fund -------------United States Bonds ------- --------- Undivided Profits ---------Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 
 
3,000 00 4,756 70 
 
Banking House ------------ --------- Due to Banks in this State __ Furniture and 1"ixt11res_ ____ ________ _ Due to Banks in other States 
 
Other Real Estate Owned ___ --------- Call Money----------------- 4,000 00 
 
Due from Banks in this State Due from Banks in other 
 
7,804 
 
26 
 
Individual Deposits Subject to Check ________________ _ 
 
54,760 76 
 
States ------------------- 
 
143 24 Demand Certificates of Deposit 
 
Currency ------------------ 1,825 00 Time Certificates of Deposit_ 98,400 74 
 
Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton------_-Advances on other Commodi- 
ties --- _---- _- _----------- 
 
75 00 Savings Deposits ----------1,_532 90 Trust Funds on Deposit_ ___ _ - _- ______ Cashier's Qhecks __________ _ 
Certified Checks ________ - _- _ ---- _____ Bills Payable _____________ _ 
 
2,098 17 
 
Checks for Clearing House __ ------- _ Notes and Bills Rediscounted Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liltbility on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------Overdrafts (if any) -------- - _- _- ____ Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total --------------------$182,016 37 Total --------------------$182,016 37 
 
 r 
! 296 
 
BANKING DEPARTMENT 
 
EXAMJ:lii'Elii'S BEPOlilT. 
 
BANK OF HILLSBORO. HILLSBORO. 
 
At Close of Business October 23, 1920. 
 
President-J. T. Ga'!'land. Vice-President-J. H. Barron. Cashier-E. B. McCullough. 
 
Directors--J. T. Garland, G. E. Fullerton, L. 0. Benton, J. S. Malone, Jr., J. H. Barron, S. M. Fullerton, L. D. Ezell, E. B. McCullough, C. L. Ridley, H. B. Ezell. 
 
Date of Charter-August 23, 1911. 
 
Began Business-August 31, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$104 012 69 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 17:261 80 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds-------Other Stocks and Bonds_____ Banking House -----------Furniture and Fixtures _____ Other Real Estate Owned 
 
24 104 68 
10'400 oo 
' 
 
Surplus Fund -------------UDnivdiidveidnedds PUrnopfiatisd --__-_-_-_-_--- -__--_ 
 
- "(96o- oii Due to Banks in this State._ 
 
1,800 00 Due to Banks in other States 
 
--------- Call Money ___ . _____ ----- __ 
 
18,089 21 
 
Due from Banks in this State 41,370 64 Individual Deposits Subject 
 
DuSetatfersom___B__a_n_k_s___In___o__th_e__r ________ _ Detmo aCnhdeCcekrt-if-i4ca-t-e-s--o-f-D--e-p-o-s-i-t 56,543 40 
 
CGuorldren_c_y__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ Silver, Nickels, Pennies___ 
 
__2_,_9_3_0__00_ 155 57 
 
Time Certificates of Deposit_ 109,683 STarvuisntgFs uDnedpsoosintsD-e-p-o-s-i-t_--_-__--_ 
 
06 
 
Advances on Cotton_________ ________ _ Cashier's Checks ----------- 
 
41 00 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C_o_m__m__o_d_i_- ________ _ BCeilrltsifiPedayCabhleecks___-_-_-_-_-_-_-_-_--- -__- 
 
Checks for Clearing House._ ________ _ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
174 54 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _-- __ -- __ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- 5,186 75 and Acceptances _---- _-- _ 
 
OOtvheerrdrAafstssets(if__a_n_y_)___--_-_-_-_-_-_-_ -_-_-__-_-_-_-_--_ ORethseerrveLifaobriIlnittieerses_t_a_n_d__T__a_x_es_ 
 
Total --------------------$209,356 67 Total --------------------$209,356 67 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$117,002 37 Capital Stock Paid In __  ____ $ 25,000 00 
 
Demand Loans ------------- 16,460 14 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 42,396 56 Surplus Fund ___ -- ---- __ --- 
 
United States Bonds ________ Other Stocks and Bonds _____ 
 
10,400 00 --------- 
 
UDnivdiidveinddeds PUrnopfiatisd --__-_--- -__-_--- -__- 
 
17,215 32 
 
Banking House ------------ 1,960 00 Due to Banks in this State._ 
 
Furniture and Fixtures _____ nther Real Estate Owned Due from Banks in this State 
 
1,800 00 
-5-{,877"i6 
 
CDaulel tMo oBnaenyks__i_n__o_t_he_r__S_t_a_t_es_ Individual Deposits Subject 
 
DuSetatfersom___B_a__n_k_s__ _In____o_th__e_r ________ _ Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 58,990 29 
 
Currency ------------------ 2,122 00 Time Certificates of Deposit_ 100,936 13 
 
GS iol vl de r ,- -N- -i-c-k-e-l s-,- - P- -e-n-n-i-e-s-. _- _- -_-_ 
 
- - - -3 4- 9- - -4-2 
 
Savings Deposits ----------Trust Funds on Deposit__. __ 
 
Advances on Cotton_________ ________ _ Cashier's Checks ----------- 
 
543 25 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- --------- Bills Payable __ - ____ - ----- _ 
 
Checks for Clearing House . --------- Note~ and Bills Rediscounted 
 
Other Checks and Cash Items 
 
713 90 Certificates of Deposit for 
 
Cus.tomers' Liab!llty on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Acceptances -------------------- 
 
--------- 
 
LiaanbdilitAycocenpLtaentcteesrs _o_f__C_r_e_d_i_t 
 
OOvtheerrdrAafstssets(if__a_n_y_)__-_-_-_-_-_-_-_-_ -_-__-_-_-_-_-_--_ ORethseerrveLifaobriIlnittieerses_t_a_n__d_T_ ax__es_ 
 
Total --------------------$202,684 99 Total --------------------$202,684 99 
 
 FIRST .ANNUAL REPORT 
 
297 
 
B:XAJIII:NEB'S BEPOBT. 
 
HINESVILLE BANK, HINESVILLE. 
 
At Close of Business August 23, 1920. 
 
President-T. S. Layton. Vice-President-E. C. Miller. Cashier~Lewis Ashmore. 
Directors-T. S. Layton, E. c. Miller, C. w. Ashmore, P. F. Martin, W. R. Shaw, 
 
S. B. Brewton, J. G. Ryan, D. J. Martin, C. W. Hendry. 
 
Date of Charter-September 4, 19111. 
 
Began Business-November 15, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ___________ _ 
 
84,919 
 
28 
 
Capital Stock Paid In-------$ 15,000 Amt. Reserved for Branches 
 
00 
 
LUonaitnesdSeSctuarteeds bByonRdesal_E__s_t_a_te_ "BtahnekrinSgtoHckosusaend___B_o__n_d_s_-_-_-_--_ Furniture ann Fixtnres ____ _ nther Real Estate Owned __ _ 
 
SUunrdpilvui sd e dF uPnrdo f i-t-s - -_-_-_-_-_-_-_-_-_-_ -_ Dividends Unpaid _________ _ 3,500 00 Due to Banks In this State_2,309 80 CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
8,699 61 
 
Due from Banks in this State 29,893 00 Individual Deposits Subject 
 
Due from Banks In other 
States ------------------CG uo lrdr e n_c_y____-_-_- -- -- ------ -__-_- -- -- -_-__-_- -_ Silver, Nickels,; Pennies ____ _ Advances on Cotton ________ _ 
 
1,215 88 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 919 00 Time Certificates of Deposit_ 831 55 TSarvuisntgFs uDnedpsoosintsD-e-p-o-s-i-t_--_-__--_ Cashier's Checks ___ --- _- __ 
 
68,122 54 32,787 18 
277 28 
 
Advances on other Commodi- 
 
Certified Checks __ -- _- --- -- - 
 
Chteiecsks--fo--r --C-l-e-a-r-in-g---H-o-u--se--__- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
905 34 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money __ ---- -- _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - (-i-f- -a-n-y-)- - -_-_-_-_-__- _- -_ Other Assets ______________ _ 
 
and Acceptances ____ -- __ _ 
 
409 
 
19 
 
Reserve for Interest and Taxes Other Liabilities ____ --- ___ _ 
 
16 43 
 
Total --------------------$124,903 0_4 Total ______________ --- _--$124,903 04 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 
Demand Loans ------------ 
 
94,669 
 
32 
 
Capital Stock Paid In-------~ 15,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds ______ _ 
 
17,828 73 Surplus Fund -------------Undivided Profits ---------- 
 
--------9.658 10 
 
"ther Stocks and Bonds ____ _ 
 
Dividends Unpaid ---------- --------- 
 
Banking House and Furniture 0tahnedr FRiexatlurEPssta-t-e--O--w--n-e-d-_-_--_ 
 
5,809 80 CDDauuleel ttMoo oBBnaaennykkss__iI_nn__ot_ht_hi_se_rS_S_t_at_ate_te___s_ -__-___-__-___-__-__-__--__ 
 
Due from Banks in this State Due from Banks In other 
States ------------------CGuolrdren_c_y____-_-_--- ---------__----------------Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
 
1,855 73 
339 35 8,978 00 
10 00 2,982 06 
 
Individual Deposits Subject 
Detmo aCnhdeCcekrt-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t Time Certificates of DeposiL 
Savings Deposits ----------Trust Funds on Deposit_____ 
CCearsthifiieerd's CChheecckkss __-_-_-_-_--_-_-_-_-_-_ 
 
_6-0-,-29_7___90_ 27,915 85 
----------------__2_,_4_7_2__80_ 
 
Chteiecsks--fo--r --C-l-e-a-r-in-g---H-o-u--s-e-_-_ 
 
NBioltless PaanydabBliells--R-e-d--is-c-o-u--n-te-d- _-_-_-_-_-_-_-_--_ 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
439 50 Certificates of Deposit for Borrowed Money --------- ------ -- 
Liability on Letters of Credit 
 
O vaenrcdersa f -t s- - -( I-f- -a-n-y-)- - -_-_-_-__- _-_- -_ SOuthspeernAsessIetetsm: s ____________ _ 
 
and Acceptances --------- --------184 97 Reserve for Interest and Taxes --------- 
Other Liabilities----------- --------75 92 
 
Total --------------------$115,344 65 Total --------------------$115,344 65 
 
 298 
 
BANKING DEPARTMENT 
 
E:XAMillfE'B'S 'BEPO'B'r. 
 
BANK OF HIRAM. 
 
At Close of Business Auguat 24, 1920. 
 
President-W. W. Hunt. Vice-President-J. S. Paris. Cashier-W. F. Byrd. 
 
Directors-W. W. Hunt, J. S. Paris, W. F. Byrd, A. P. Griggs, R. D. Leonard, 
 
S. L. Laird. 
 
Date of Charter-March, 1907. 
 
Began Business--March, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ____________ _ 
 
87,039 13,755 
 
82 35 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ___________ _ 
 
11,907 88 52,850 00 
--(94s-4o 
 
Furniture and Fixtures. ___ _ 2,447 44 
 
Capital Stock Paid In _______ $ Amt. Reserved for Branches Surplus Fund -------------UDnivdiidveidnedds PUrnopfaiitds-_-_-_-_-_-_-_-_-_--_ 
Due to Banks in this State __ Due to Banks in other States 
 
15,000 16,086 
 
00 58 
 
1er Real Estate Owned  Due from Banks in this State Due from Banks in other 
States ------------------CG uo lrdr e n_c_y_ _ _-_-_-_-_-_-_ -_ -_ -_ -_ _- _- _- _- _- _- _- -_ 
Silver, Nickels, Pennies. ___ _ Advances on Cotton ________ _ Advances on other Commodi- 
 
- -(296- 5o 
 
Call Money _______ --- _-- __ _ Individual Deposits Subject 
 
1,641 61 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t 
 
1,00215 
 
00 00 
 
220 75 
 
Time Certificates of Deposit. Savings Deposits ----------Trust Funds on Deposi L ___ _ 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ 
 
41,804 75 
-5-2~469- 65 
22,332 94 
450 63 
 
C htei ecsk s - -f o- -r - -C-l-e-a-r-i n-g- - -H-o- u- -s-e-. _Other Checks and Cash Items Customers' Liability on Let- 
 
Bills Payable __ - ______ - ___ _ 30,000 00 Notes and Bills Rediscounted 3 16 Certificates of Deposit for 
Borrowed Money ________ _ 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-__-_-_- -_ 
 
Liability on Letters of Credit and Acceptances ____ - ___ _ 
Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ----------- 
 
Total --------------------$178,144 55 Total --------------------$178,144 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________$ 74,575 36 Capital Stock Paid Jn _______ $ 15,000 00 
 
Demand Loans _. ___ - _- _- _ 9,560 76 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds .. Banking House -----------Furniture and Fixtures_-.-_ Other Real Estate Owned Due from Banks in this State 
 
13,584 12,850 
 
8008 
 
--1~948-40 2,447 44 
 
-i6,24o- 65 
 
USunrdpilvuids eFd uPnrdof-it-s---_-_-_-__-_-_-_-_--_ Dividends Unpaid _________ _ Due to Banks in this State._ CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
Individual Deposit~ Subject 
 
16,290 58 
 
Due from Banks in other 
States -------------------Currency -----------------GS iol vl de r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-.---- -- 
 
6,362 89 1,250 00 
531 98 
 
Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t TSaimviengCserDtiefpicoastietss o_f__D__e_p_o_s_i_L_ Trust Funds on Deposit_ ___ _ 
 
47,654 36 
32,092 76 13,242 70 
 
Advances on Cotton_-_-----. Advances on other CommodiChteiecsks -f~o-r---C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_--- -_ 
 
351 99 
 
Bills Payable _____________ _ 15,000 00 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ___ --- _- _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaft-s--(-i-f--a-n-y-)--- -__--.-------- 
 
and Acceptances ___ -----280 03 Reserve for Interest and Taxes 
 
Other Assets  -- -- --- --- --- 
 
Other Li11,billties ____  - _ _-- 
 
Total --------------------$139,632 39 Tota,l --------------------$139,632 39 
 
 FIRST ANNUAL REPORT 
 
299 
 
E:X:.A:MXNEB'S BEPOBT. 
 
HOGANSVILLE BANKING COMPANY, HOGANSVILLE. 
 
At Close of Business November 18, 1920. 
 
President-J. H. Askew. Vice-President-W. E. Johnson. Cashier-W. E. Johnson. 
 
Directors-J. F. Askew, J. E. Askew, Hugh Brazell, >V. A. .rrimbell, E. B. Mc- 
 
Ritchie, W. E. Johnson. 
 
Date of Charter-April 6, 1904. 
 
Began Business-April 21, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$201,365 55 Capital Stock --------------$ 25,000 00 Demand Loans ------------ 94,7 40 40 Surplus Fund -------------- 41,000 00 Loans on Real Estate______ --------- Undivided Profits ---------- 9,990 09 Banking House ____________ _________ Due Unpaid Dividends ______ 
 
Other Real Estate Owned____ --------- Due to Banks in this State __ 
 
Furniture and Fixtures_____ --------- Due to Banks in other States 
 
69 18 
 
Stocks and Bonds other tl1an U. S. or State of Georgia__ 
United States and State of 
 
Call Money ---------------- 1,846 07 3,000 00 Deposits Subject to Check __ 67,875 10 
Demand Certificates of De- 
 
Ga. Bonds -------------- --------- posit -------------------- 
 
Due from Approved Reserve 
 
Certified Checks ------------ 
 
689 83 
 
Agents ------------------ l ,947 70 Time Certificates of Deposit 48,060 20 Currency ------------------ 1 0,044 00 Trust Funds on DeposiL___ _ 44,928 04 
 
Gold ---------------------- 
 
215 00 Certificates of Deposit Repre- 
 
Other Coined Money-------- 2,400 50 senting Borrowed Money__ 
 
Due from other Banks______ --------- Bills Payable -------------- 
 
Checks for Clearing House__ --------Cash Items (Irregular) _______________ 
 
Rediscounts Liability on 
 
---------------Letters of Cred- 
 
120,000 
 
00 
 
Advances on Cotton________ 
 
836 81 its and Acceptances _____ _ 
 
Customers' Liability on Let- 
 
Reserve for Interest and 
 
ters of Credit and Accept- 
 
Taxes ------------------- 
 
ances -------------------- ________ _, Other Liabilities ----------- 
 
Advances on other Commodi- 
 
ties --------------------- --------ov,erdrafts (if any)-------- --------Other Resources ----------- 38,230 90 
 
Cash Short ---------------- 
 
20 09 
 
Total --------------------$360,458 51 Total --------------------$360,458 51 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$189,891 12 Capital Stock Paid In-------$ 25,000 00 
 
DL oeamnasnSde cLuoraends b y- -R- -e-a-l-E- -s-t a- -t e- 
 
1_1_2_,_1_2_7__56_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
41,000 00 
 
UOnthiteerdSStotactkess aBnodndBson-d-s-_-_-_-_-_- __2_,_4_7_0__00_ UDnivdiidveinddeds PUrnopfiatisd --__-_-_-_-_-_-_-_--_ 10,652 68 
 
Banking House ____________ ________  Due to Banks in this State __ Furniture and Fixtures_____ 3,000 00 Due to Banks in other States Other Real Estate Owned___ ________ _ Call Money ---------------Due from Banks in this State 11,347 98 Individual Deposits Subject 
 
2,516 71 
 
Due from Banks in other 
States ------------------Currency -----------------GS iol lvde r ,- - N- -i-c-k-e-l s-,- -P- -e -n-n-i e- s- -__- -- _- -- 
 
622 56 Detmo aCnhdeCcekrt-if-i-c-a-te--s -o-f-D--e-p-o-s-i-t 111,409 08 10,712 00 Time Certificates of Deposit_ 43,503 04 
225 00 Savings Deposits ----------3,627 28 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton __ --- __ -_ 17,945 13 Cashier's Checks ----------- 
 
226 56 . 
 
Adtiveasnc_e_s__o_n__o_t_h_e_r__C__o_m_m--o_d_i_- ________ _ BCeilrltsifiPedayCabhleeck_s__-_-_-_-_-_-_-_-_-_-_--_ 120,000 00 
 
Checks for Clearing House __ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Hems Customers' Liability on Let- 
 
1,541 10 CeBrtoirfricoawteesd oMfonDeyepo_s_i_t___f_or_ 
 
ters of Credit and Acceptances -------------------Overdrafts (if any) -------Other Assets: 
 
--------118 79 
 
Liability on Letters of Credit and Acceptances ________ _ 
OR et hs ee rr v eL fi aobr iIlni ttieerse s_t_a_n_d_ _T_a_ _x_e s_ 
 
Oyerdrafts, Secured ____ ____ 680 2'7 
 
War Savings Stamps -~-----_ _ _5_9_2_2 
 
Total --------------------$354,368 01 Total ---------------------$354,368 01 
 
 300 
 
BANKING DEPARTMENT 
 
EXA'lllli:NEB'S :REPO:R'l'. 
 
PLANTERS BANK, HOGANSVILLE. 
 
At Close of Business September 20, 1920. 
 
I. 
 
President-J. H. Melson. Vice-P.resident-A. H. Jackson. Cashier-S. D. Young. 
 
Directors-J. H. Melson, S. D. Young, A. H. Jackson, C. S. Burden, C. T. High- 
 
tower, J. C. Todd, S. H. Dunson. 
 
Date of Charter-May 13, 1915. 
 
Began Business-May 15, 1920. 
 
RESOURCE:S 
 
LIABILITIES 
 
Time Loans ------------------$134,853 73 Capital Stock Paid In__________ $ 15,00'0 00 
 
Demand Loans ----------------  24,684 46 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ------------------ 1,500 00 United States Bonds__________ 5, 700 00 Undivided Profits -------------- 7,597 52 
 
Other Stocks and Bonds_______ --------- Dividends Unpaid ------------ 
 
54 50 
 
Banking House ---------------- 2,746 96 Due to Banks in this State____ --------Furniture and Fixtures ______ 3,681 93 Due to Banks in other States__ --------- 
 
Other Real Estate Owned_____ 2,250 00 Call Money -------------------- --------Due from Banks in this State__ 20,459 59 Individual Deposits Subject to 
 
Due from Banks in other States 2.998 37 Checks ---------------------- 109,871 91 Currency ---------------------- 1,344 00 Demand Certificates of Deposit 9,275 00 Gold --------------------------- ________ _ Time Certificates of Deposit___ 64,484 04 Silver, Nickels, Pennies________ 1,003 53 Savings Deposits -------------- --------- 
 
Advances on Cotton and other 
 
Cashier's Checks -------------- 1,451 19 
 
Commodities ---------------- 21,832 5P Certified Checks -------------- --------Checks for Clearing House___ _ 644 60 Bills Payable ------------------ 15,000 00 
 
Other Checks and Cash Items 698 03 Notes and Bills Rediscounted__ --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------- --------Overdrafts (if any)------------ 767 67 Liability on Letters of Credit 
 
Other Assets ------~---------- 1,500 00 and Acceptances ------------ --------Mutual Fire Insurance Fund__ 120 00 Reserve for Interest and Taxes --------- 
 
Depositors' Guarantee Fund __ 3,018 55 Other Liabilities -------------- 4,050 00 
 
Cash Long -------------------- 
 
19 85 
 
Total ------------------------$228,304 01 Total ------------------------$228,304 01 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$134,797 22 Demand Loans ---------------- 15,497 4C Loans Secured by Real Estate --------United States Bonds__________ 5,200 00 Other Stocks and Bonds_______ --------Banking House ---------------- 2, 746 96 Furniture and Fixtures________ 3, 759 83 Other Real Estate Owned______ 2,250 00 Due from Banks in this State__ 1,013 55 Due from Banks in othe.r States 1,370 20 
Currency ---------------------- 3,478 l GSiolvlder,--N--i-c-k-e-l-s-, -P--e-n-n-i-e-s_--_-_-_-_-_-_-_- ----4-73---4-( Advances on Cotton____________ 43,&49 5' 
Advances on other Commoditi'es --------Checks for Clearing House____ --------Other Checks and Cash Items 340 95 Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any)____________ 472 78 Other Assets: Depositors' Guarantee Fund__ 3,018 55 Mutual Fire Fund______________ 120 00 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 1,500 00 
 
n4 Undivided Profits ----"--------- 6, f3a 61 
 
Dividends Unpaid ------------ 
 
50 
 
Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- 5,500 OJ 
 
Individual Deposits Subject to 
 
Check ----------------------- 83,51!1! 99 Demand Certificates of Deposit 9,000 00 
 
Time Certifieates of Deposit__ 59,1~ 29 
 
Savings Deposits -------------- 
 
27 89 
 
Trust Funds on Deposit_______ --------- 
 
Cashier's Checks -------------- 825 10 
 
Certified Checks -------------- --------- 
 
Bills Payable ------------------ 31,500 00 
 
Notes and Bills Rediscounted__ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ ----- __ _ 
Bankers Trust Co. ------------ 2,5'0U 00 
Other Liabilities: 
 
L. Bond Dept. ---------------- 3,685 {)0 
 
zc Total ------------------------$218,388 
 
Total ------------------------$218,388 38 
 
 1' \ 
 
FIRST ANNUAL REPORT 
 
301 
 
EXAMI:NEB'S BEPOBT. 
 
THE BANKS COUNTY BANK, HOMER. 
 
At Close of Business November 3, 1920. 
 
President-T. M. Coffee. Vice-Presidents-J. s. Jolly, N. C. Brown. 
 
Cashier-J. W. Jolly. 
 
Dlrectors-T. M. Coffee, J. S. Jolly, N. C. Brown, J. N. Hill, R. T. Thompson, 
 
H. J. Blackwell. 
 
Date of Charter--November 25, 1910. 
 
Began Business-September 1, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$112,870 51 
 
Demand Loans ---------------- 14,127 92 
 
Loans Secured by Real Estate --------United States Bonds__________ 1,550 00 
 
Other Stocks and Bonds_______ --------- 
 
Banking House ---------------- 2,347 40 Furniture and Fixtures________ 2,731 94 
 
Other Real Estate Owned______ __ 
 
-- 
 
Due from Banks______________ 4~iiio-so 
 
Due from Banks in other States --------- 
 
Currency ---------------------- 2,667 00 
 
GSiollvder-, -N--i-c-k-e-l-s-,--P-e-n-n--ie--s-_-_-__-_-_-_--_ 
 
140 00 573 78 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House___ --------- 
 
Other Checks and Cash Items 1,921 82 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overurafts (if any) ------------ 2,859 31 Other Assets: 
 
Cash Short -------------------- 
 
33 95 
 
Capital Stock Paid In----------$ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ---------------- --------Undivided Profits -------------- 6,516 27 
 
Dividends Unpaid ------------- 
 
24 00 
 
Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ---------------------- 34,955 17 Demand Ce.rtificates of Deposit -------Time Certificates of Deposit___ 54,194 48 
 
Savings Deposits -------------- --------Trust Funds on Deposit_______ --------- 
 
Cashier's Checks -------------- 314 51 
 
Certified Checks -------------- --------Bills Payable ------------------ 35,000 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$146,0j4 4: 
 
Total ------------------------$146,00~ 43 
 
BANK'S. STATEMENT at Close of Business December 15, '1.920. 
 
, 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 91,150 91 Demand Loans ---------------- 24,3-27 32 LUonaitnesd SSetcautreesd BboyndRs_e_a_l__E__s_ta__te_ Other Stocks and Bonds______ _ 
 
BFuarnnkiitnugreHaonudse F-i-x-t-u-r-e-s--_-_-__-_-_-_--_ 
 
Other Real Estate Owned_____ _ Due from Banks in this State__ Due from Banks in other States 
 Currency ---------------------GSiollvder-, -N--i-c-k-e-ls-,--P-e--n-n-i-e-s-_-_-_-_-_-__--_ Advances on Cotton ___________ _ 
 
5,007 08 
5,580 57 3,674 r 
140 00 780 46 
 
Advances on other Commodities Checks for Clearing House___ _ 
 
Other Checks and Cash Items_ 1,452 96 Customers' Liability on Letters 
of Credit and Acceptances__ 
 
Overdrafts (If any)------------ 1,023 Sf 
 
Other Assets ------------------ 
 
Capital Stock Paid In----------$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits -------------Dividends Unpaid --~--------Due to Banks in this State___ _ 
 
6,258 72 24 00 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 41,6(5 83 Demand Certificates of Deposit 
 
Time Certificates of Deposit__ 47,974 49 
 
TSarvuisntgFs uDnedpsosoints D-e-p--o-s-i-t_--__-_-_-_-_- 
 
Cashier's Checks -------------- 2,213 45 
 
Certified Checks -------------Bills Payable ------------------ 25,000 00 Notes and Bills Rediscounted__ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest andtTaxes 
 
Other Liabilities -------------- 
 
Total -----------------------$138,11~ 4~ Total ------------------------$138,116 49 
 
 \ 302 
 
BANKING DEPARTMENT 
 
EXAMINEB'S B.EPOB.'l'. 
 
BANK OF HOMERVILLE, HOMERVILLE. 
 
At Close of Business August 5, 1920. 
 
President-iR. G. Dickerson. Vice-President-vV. T. Dickerson. Cashier-G. A. Gibbs. 
Directors-R. G. Dickerson, w. T. Dickerson, A. N. Carswell, G. M. Dome, J. F. 
 
Patterson, W. V. Musgrove, S. A. Sweat. 
 
Date of Charter-May 6, 1903. 
 
Began Business-May 6, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$159,753 83 Capital Stock Paid In__________ $ 15,000 00 
 
Demand Loans ---------------Loans Secured by Real Estate 
 
12,836 55 45,744 27 
 
Amount Reserved for Branches Surplus Fund ------------------ 
 
-28~666-57 
 
United States Bonds__________ 4,100 00 Undivided P.rofits -------------- 2,542 46 
 
Other Stocks and Bonds______ --------- Dividends Unpaid ------------- -------Banking House ---------------- 1,717 62 Due to Banks in this State____ --------Furniture and Fixtures________ 2,245 74 Due to Banks in other States__ --------- 
 
Other Real Estate Owned______ --------- Call Money -------------------- -------- 
 
 
 
Due :tlrom Banks in this State__ 48,822 ~' Individual Deposits Subject to Due from. Banks in other States 25,034 85 Check ----------------------- 110,621 82 
 
Currency ---------------------- 2,990 00 Demand Certificates of Deposit --------- 
 
Gold --------------------------- 165 0( Time Certificates of DeposiL_ 146,ffl 78 
 
Silver, Nickels, Pennies________ 562 87 Savings Deposits -------------- 8,360 26 
 
Advances on Cotton____________ --------- Cashier's Checks -------------- 301 74 
 
Advances on other Commodities --------- Certified Checks -------------- --------- 
 
Checks for Clearing House____ --------- Bills Payable ----------------- --------- 
 
Other Checks and Cash Items 772 05 Notes and Bills Rediscounted__ --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ Overdrafts (i! any)____________ 
 
--------7,145 74 
 
Liraobwileidty MoonneLye-tt-e-r-s---o-f--C--r-e-d-i-t 
 
--------- 
 
Other Assets ------------------ 
 
39 S9 and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$311,930 63 Total ------------------------$311,930 6J 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$147,701 10 
 
Demand Loans ---------------- 8,553 18 Loans Secured by Real E'state 72,480 40 United States Bonds__________ 41,000 00 
 
Other Stocks and Bonds______ --------- 
 
Banking House ---------------- 1,717 62 Furniture and Fixtures________ 2,245 74 
 
Other Real Estate Owned______ --------Due from Banks in this State__ 25,921 31 Due from Banks in other States 23,861 75 
 
Currency ---------------------- 1,081 00 Gold --------------------------- 175 00 Silver, Nickels, Pennies________ 772 77 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House___ _ Other Checks and Cash Items 
 
-i588-55 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any)____________ 14,255 56 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid In__________ $ 15,000 00 Amount Reserved for Branches Surplus Fund ----------------- 28,666 57 Undivided Profits -------------- 2,836 25 Dividends Unpaid ------------Due to Banks in this State___ _ Due to Banks in other States__ 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 97,992 94 Demand Certificates of Deposit Time Certificates -------------- 145,302 97 STarvuisntgFs uDndeps oosnitsDe-p--o-s-i-t_-_-_-_-_-_-_-_- 14,45ll 36 
Cashier's Checks -------------- 204 69 Certified Checks -------------Bills Payable ----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
Total ------------------------$304, 451! 
 
Total ------------------------$304,453 78 
 
 FIRST ANNUAL REPORT 
 
303 
 
'EXAMINEB'S BEPOBT. 
 
CLINCH COUNTY BANK, HOMERVILLE. 
 
President-H. M. Peagler. Vice-President-.J. F. Barnhill. Cash!er-R. A. Brinson. 
 
Directors-H. M. Peagler, J. F. Barnhill, W. H. Hinson, S. L. Drawdy, P. R. Lee, 
 
N. Allen, D. 0 . .Johnson. 
 
Date of Charter-September 2, 1919. 
 
Began Business-September 10, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 79,917 7P 
Demand Loans ---------------- 2,777 7~ Loans Secured by Real Estate United 'States Bonds _________ _ 
 
Other Stocks and Bonds_____ _ 
 
BFuarnnkiitnugreHaonudse F-i-x-t-u-r-e-s--__-_-_-_-_-_-_- 
 
2,272 96 2.704 00 
 
Other Real Estate Owned_---Due kom Banks in this State__ 8,531 '4- 
 
Due from Banks in other States Currency ---------------------GSiolvlder,CoNuipcoknelss. --P-e-n-n--ie--s-_-_-_-_-_-__--_ Advances on Cotton ___________ _ 
 
8,758 61 2,08~ or 
2 37 444 29 
 
Advances on other Commodities Checks for Clearing House___ _ 2,189 41 Other Checks and Cash Items__ 1,524 61 
 
Customers' Liability on Letters of Credit and Acceptances__ 
 
Ove,rdrafts (if any)------------ 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________$ 18,!JOO 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- --------Undivided Profits ------------- 2,997 62 
6 Dividends Unpaid ------------- ---w;;.,~__ _ 
Due to Banks in this State____ o>m 42 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 42,011l 75 Demand Certificates of Deposit --------Time Certificates of Deposit__ 27,017 18 
 
Savings Deposits -------------- 
 
36 13 
 
Trust Funds on Deposit________ --------- 
 
Cashier's Checks -------------- 654 9o 
 
Certified Checks -------------- 
 
:J7 50 
 
Bills Payable ------------------ 20,00U 00 
 
Notes and Bills Rediscounted__ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities: 
 
Cash Long -------------------- 
 
82 75 
 
Total ------------------------$111,211 30 Total ------------------------$111,211 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 60,770 1fi Capital Stock Paid In__________ $ 18,0'00 00 
 
Demand Loans ---------------- '1,239 00 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 23,722 84 Surplus Fund ----------------- 1,200 00 
 
United States Bonds ---------Other Stocks and Bonds_____ _ 
 
Undivided p,rofits -------------Dividends Unpaid ------------ 
 
141 60 16 00 
 
BFuarnnkiitnugreHoaunsde F--i-x-t-u-r-e-s---__-_-_-_--_ Other Real Estate Owned_____ _ Due from Banks in this State__ 
 
2,397 03 Due to Banks In this State____ 467 13 2,865 14 Due to Banks in other States__ --------- 
Call Money -------------------- --------6,78'6 78 Individual Deposits Subject to 
 
Due from Banks in other States a.lmt 1? Check ----------------------- 46,783 88 
 
Currency ---------------------GSiolvlder,--N--i-c-k-e-l-s-. --P-e-n-n--ie-s-_-_-_-_-_-_-_-_Advances on Cotton ___________ _ 
 
5,783 00 Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit__ 32,479 97 
 
907 95 Savings Deposits -------------- 
 
36 13 
 
Trust Funds on Deposit________ --------- 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Cashie,r's Checks -------------Certified Checks -------------- 
 
328 62 
 
0o2n 
 
Other Checks and Cash Items 276 51 Bills Payable ------------------ 15,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted__ --------- 
 
of Credit and Acceptances__ 
 
Certificates of Deposit for Bor- 
 
Overd,rafts (if any) ___________ _ 3,101) 70 rowed Money ---------------- --------- 
 
Other Assets ------------------ 
 
LiabilitY on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$114,515 23 Total ------------------------$114,515 21! 
 
 304 
 
BANKING DEPARTMENT 
 
EXAJIUNEB'S BEPOBT. 
BANK OF HOSCm:'ON, HOSCHTON. 
At cose of BUsiness August 16, 1920. 
President-H. R. L. De La Perriere. Vice-Presidents-W. M. Smith, J. N. Thompson, H. J. Lott. . 
DLrectors-H. P. De La Perriere, W. M. Smith, J. N. Thompson, H. C. De La Perriere, B. F. Wilson, H. P. Lott, A. L. De La Perriere, W. E. Flanigan, L. F. Sell. Date of Charter-May 14, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnsoa-n-s---_-_-_-_-_-_-_-_-_-_-_-_$ 
ULonaitnesdSSectautreesd BboynRdsea_l_E__s_t_a_te_ 
 
92,744 99 9,096 75 
 
Capital Stock Paid In ______ -$ 30,000 00 
ASumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c__h_es_ -1-5~000- 00 
Undivided Profits __________ _ 1,298 06 
 
OBathnekrinSgtoHckosusaend- _B__o_n__d_s_-_-_-_--_ Furniture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
Dividends Unpaid ---------1,700 00 Due to BanKs in this State_1,912 50 DCaulel tMo oBnaenyks__i_n__o_t~h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 3,683 16 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-__- -_ Advances on Cotton ________ _ 
 
694 42 DetomaCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 1,355 00 Time Certificates of DeposiL 
580 00 Savings Deposits ----------286 49 Trust Funds on Deposit_ ___ _ 
Cashier's Checks ___ -- ____ -- 
 
28,787 91 72 62 
 
Advances on other Commodi- 
 
Certified Checks _-- _- ____ -- _ 119 66 
 
Chteiecsks -f-o-r--C-l-e-a-r-i-n-g--H-o--u-s-e-_-_ 
 
Bills Payable -------------- 31,000 00 95 43 Notes and Bills Rediscounted 6,754 43 
 
Other Checks and Cash Items 
 
719 66 Certifi.cates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
OOvtahenercrdersAafs-tss-e-t(s-i-f-_-_a-_n-_y-_)-_-__--_--_--_--_--_--_----_ 
 
and Acceptances ---------164 28 Reserve for Interest and Taxes 
Other Liabilities __ ----- _--- 
 
Total --------------------$113,032 68 Total --------------------$113,032 68 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __ - -- __ - ____ - __ -$ 65,537 64 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ---- --- _- _-Loans Secured by Real Estate 
 
__ - _-- - __ 
 
SAumrtp.luRs esFeurnvded __fo__r__B_r_a_n_c__h_es_ 
 
15,000 00 
 
U(nAitlel dincSltuadteeds iBn oTnidms e__L__o_a_n_s_)_ 8,242 75 UDnivdiidveinddeds UPnropfaiitds _----__-_-_-_--- -__- 2,213 58 
 
Other Stocks and Bonds _____ Banking House ____________ _ Furniture and Fixtures ____ _ 
 
--------1,700 00 1,912 50 
 
Due to Banks In this State-DCaulel tMo oBnaenyks__I_n__o_t_h_e_r__S_t_a_t_es_ 
 
Other Real Estate Owned ___ --------- 
 
Due from Banks in this State 1,698 94 
 
Due from Banks in other 
 
States ------------------Currency -----------------SGiolvlder, -N--i"ck--e-ls-,--P-e--n-n-i-e-s_----_-_ -_ 
 
295 44 1,143 00 
620 00 1,154 24 
 
Individual Deposits Subject Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t STaimviengCseDrtiefpicoastietss o__f_D__e_p_o__s_iL_ Trust Funds on DeposiL---Cashier's Checks __ - _- __ -- _- 
 
26,333 71 222 62 
94 94 
 
Adtiveasnce_s--o_n__o_t_h_e_r_ _C_o_m__m__o_d_i_- ________ _ Certified Checks ------------ 
 
Checks for Clearing House__ 
 
- ___ ---- _ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items 105 69 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
11,000 00 
 
O vaenrcdersa f -t s- - -( i-f- -a-n-y-)- - ---------------- 
 
78 84 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets: Profit and Loss -----------War Savings Stamps ------- 
 
1,527 854 
 
82 00 
 
Other Liabilities ----------Cash Long ----------------- 
 
- - - - --------------------$ Total --------------------$ 84,870 86 Total 
 
6 01 84,870 86 
 
 FIRST ANNUAL REPORT 
 
305 
 
EXA.M:IllrEB'B BEPOB.'1'. 
 
PEOPLES BANK, IDEAL. 
 
At Close of Business .July 20, 1920. 
 
President-A. M. Park. Vice-President-.J. H. Kelly. Cashier-H. R. Lam. 
 
Director~A. M. Pa<rk, J. H. Kelly:, H. R. Lam, R. N. Mcinvale, W. G. Hill 
 
J. N. Childs. 
 
Date of Charter-March 26, 1920. 
 
Began Business-March 30, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ -$ 66,566 22 Capital Stock Paid In-------$ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ___________ _ Furniture and Fixtures ____ _ Other Real Estate Owned __ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iol lvde r ,- -N- -i-c-k-e-l s-,- -P- e- -n-n-i -e-s -_-__-_- -_ Advances on Cotton _______ _ Advances on other Commodi- 
 
4,860 93 2,500 00 
650 97 2,425 00 2,644 78 
 
Amt. Reserved for Branches 
Surplus Fund -------------Undivided Profits ----------Dividends Unpaid __ -------Due to Banks in this State __ Due to Banks in other States 
 
Call Money ---------------7,979 82 Individual Deposits Subject 
 
1,322 86 1,905 00 
47 50 232 50 2,819 85 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p--o-s-it Time Certificates of Deposit_ Savings Deposits ----------Cashier's Checks ____ - _----CBeilrltsifiPedayCabhelecks_______-_-_-_-_-_-_--- -_-- 
 
1,041 53 
30,000 00 34,145 22 
7,000 00 7,146 74 
325 16 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se--__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f -t s- - (-i-f- -a-n-y-)- - -_-_-_-__- _-_- -_ Other Assets: 
 
Notes and Bills Rediscounted 540 71 Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities __ --------- 
 
Mutual Insurance Fund ----- 
 
162 51 
 
Total --------------------$ 94,658 65 Total --------------------$ 94,658 65 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 65,229 07 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 9,792 94 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 2,511 25 Surplus Fund ---------"--- 
 
United States Bonds -------- 
 
412 25 Undivided Profits ---------- 1,495 85 
 
OBathnekrinSgtoHckosusaend__B_o_n_d__s________ __ 
 
Dividends Unpaid - --------2,425 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ nther Real Estate Owned __ _ 
 
2,644 78 Due to Banks in other States Call Money ____ ------------ 28,500 00 
 
Due from Banks in this State 1,422 63 Individual Deposits Subject 
 
Cu~~~~~Y -=========::::::::: Due from Banks in other 
 
to Check ---------------- 26,479 31 3,787 12 Demand Certificates of Deposit 7,600 00 1,673 00 Time Certificates of Deposit_ 7,246 74 
 
SGiol vl de r ,- -N- -i-c-k-e-l-s ,- - P- -e-n-n-i-e-s-_-_-__- -_ Advances on Cotton ________ _ 
 
47 50 1,140 42 11,175 00 
 
Savings Deposits ---- -r.----Trust Funds on Deposit_ ___ _ Cashier's Checks ----------- 
 
1,157 73 
 
Advances on other Commodi- 
 
Certified Checks __ ---------- 
 
Chteiecsks -fo--r--C-l-e-a-r-in--g--H-o-u--s-e-_-_ 
 
Bills Payable -------------- 14,000 00 Notes and Bills Rediscounted 2,500 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money --------- 
Liability on Letters of Credit 
 
O vaenrcdersa f -t s- - -( I-f- -a-n-y-)- - -_-_-_-__- _-_- -_ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
MO tuhteura l AIsnsseut sr a n-c- e- - -F-u-n-d- -_-__-_- -_ 
 
956 16 Other Liabilities ----------162 51 
 
Total --------------------$103,379 63 Total --------------------$103,379 63 
 
 r 
 
306 
 
BANKING DEPARTMENT 
 
EXAMIJ!I'EB'S BEPOB'l'. 
BANK OF ILA, ILA. 
At Close of Business December 15, 1920. President-A. S. Westbrooks. Cashier-J. L. Thompson. 
Directors-R. J. Westbrooks, J. B. Campbell, G. w. Westbrooks, J. w. Bray. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 24,820 48 
 
Demand Loans ------------- 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
41,858 05 50 00 
 
Other Stocks and Bonds ____ _ 
 
Capital Stock Paid In _______ $ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund _- -- _________ _ Undivided Profits _________ _ Dividends Unpaid _________ _ 
 
10,000 00 5,834 59 
 
Banking House -----------Furniture and Fixtures ____ _ Other Real Estate Owned __ _ Due from other Banks _____ _ Due from Approved Reserve 
Agents -----------------GCoulrdren-c--y- __-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o-u--se--__- 
 
2,487 42 Due to Banks in this State __ 1,615 80 Due to Banks in other States 
Call Money _----- ____ ----- _ 3,510 63 Individual Deposits Subject 
5,782 50 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 1,637 00 Time Certificates of Deposit_ 
110 00 Savings Deposits __ ---- ---226 63 Trust Funds on DeposiL--- _ 
Cashier's Checks ----------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted 
 
26,253 11 6,866 30 
18,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money _____ --- _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t-s- - -( I-f- -a-n-y-)- - -_-_-_-_-_ _-_- -_ Other Assets ______________ _ 
 
and Acceptances ---------295 66 Reserve for Interest and Taxes 
Other Liabilities ----------- 
 
Total --------------------$ 82,444 30 Total --------------------$ 82,444 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLd oaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_$ 24,678 
 
53 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ 
 
42,000 00 Surplus Fund -------------50 00 UDnivdiidveinddeds PUrnopfiatisd --_-_-_-__-_-_-_-_--_ 
 
10,000 00 2,684 06 3,150 53 
 
Banking House -----------Furniture and Fixtures ____ _ Other Real Estate Owned __ _ 
 
2,487 42 Due to Banks in this State __ 
1,615 so CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 8,310 10 Individual Deposits Subject 
 
Due from Banks in other Sta.tes __ -- _-- __ -- -------- 
 
983 16 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 26,102 45 
 
Currency -----------------GS iol vl de r ,- -N- -i -c -k-e-l s-,- -P- e- -n-n-i -e-s -_-__- -- _Advances on Cotton ________ _ 
Advances on other Commodi- 
 
1,405 00 Time Certificates of Deposit_ Savings Deposits ---------- 
389 25 Trust Funds on Deposit__--Cashier's Checks ----------Certified Checks ______ ----- _ 
 
6,866 30 
 
Chteiecsks -fo--r --C-l-e-a-r-in-g---H-o--u-s-e-_-_ 
 
Bills Payable -------------229 38 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money --------- 18,000 00 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-__- ------ -- -_ 
 
and Acceptances ---------145 00 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ----------- 
 
Total --------------------$ 82,293 64 Total --------------------$ 82,293 64 
 
 FIRST ANNUAL REPORT 
 
30'2' 
 
EXAMINER'S B.EPOB.T. 
 
IRWINTON BANK, IRWINTON. 
 
At Close of Business September 1, 1920. 
 
President-G. H. Carswell. Vice-President-!. B. Stinson. Cashier-N. H. Bacon. 
 
Directors-G. H. Carswell, I. B. Stinson, J. T. Billue, J. M. Hall, N. H. Bacon. 
 
Date of Charter-February 17, 1911. 
 
Began Business-February, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$118,364 43 Capital Stock Paid In ______ -$ 15,000 00 
 
--6-,7oo-oo Demand Loans ------------- 
Loans Secured by Real Estate 
 
861 88 ASumrtp.luRs eFseurnvded __fo__r__B_r_a_n__c_h_es_ 
 
United states Bonds ________ Other Stocks and Bonds_____ 
 
______ --- 
 
UDnivdiidveinddeds UPrnopfaiitds -_-_-_-_-__-_-_-_-_--_ 
 
3,000 00 1,612 98 
16 00 
 
Banking House------------- 4,075 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
________ _ ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
25,000 00 
 
Due from Banks in this State 17,354 62 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
CGuolrdren_c_y___-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
5,274 60 Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 52,564 01 
 
2,832 00 20 00 
 
STaimviengCserDtiefpicoastietss o_f__D__e_p_o__s_iL_ 
 
63,130 77 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton _________ 
 
499 11 --------- 
 
Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ 
 
A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
Certified Checks ___________ _ ________ _ Bills Payable -------------- 
 
91 00 
 
Checks for Clearing House __ 1,941 32 Notes and Bills Rediscounted 
 
Other Checks and Cash Items. ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ______ --- 
 
at enrcse so f_ _C_r_e_d_i_t_ _a_n_d_ _A_ _c_c_e_p_t -_ Overdrafts (if any) _______ _ 
 
________ _ 829 27 
 
Liability on Letters of Credit and Acceptances ---------- 
Reserve for Interest and Taxes 
 
Other Assets --------------- 3,296 50 Other Liabilities ________ - _- 1,633 97 
 
Total --------------------$162,048 73 Total --------------------$162,048 73 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ Demand Loans ___________ _ 
 
75,948 
 
67 
 
Capital Stock Paid In _______ $ 15,000 Amt. Reserved for Branches 
 
00 
 
Loans Secured by Real Estate United States Bonds - ______ _ 
 
28,761 7,592 
 
16 00 
 
USunrdpivluidsedFuPnrdofi-t-s --__-_-_-_-_-_--- -__--_ 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid ----------- 
 
Banking House, Furniture and 
 
Due to Banks in this State-- 
 
3,000 00 2,136 26 
16 00 
 
Fixtures and other Real Es- 
 
Due to Banks in other States 
 
tate Owned -------------Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------Gold ------------- _-- __ ---- _ Silver, Nickels, Pennies ____ _ Advances on Cotton ________ _ Advances on other Commodi- 
Chteiecsks -fo--r--C-l-e-a-r-in--g--H-o-u--s-e-_-_ 
 
4,173 00 15,771 19 
5,229 70 3,300 00 
25 00 475 30 
--------- 
 
Call Money ---------------- 16,000 00 
 
Individual Deposits Subject 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o--s-it 
 
50,932 51 9,000 00 
 
Time Certificates of Deposit_ 42,403 88 
 
Savings Deposits ______ ---- 
 
Trust Funds on DeposiL--- _ 
 
Cashier's Checks ----------- 1,175 80 
 
Certified Checks ------------ --------Bills Payable --------------- 5,000 00 
 
Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
O vaenrcdersa f -t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_ -_ _- -_ 
 
and Acceptances ---------91 93 Reserve for Interest and Taxes 
 
Other Assets: Mutual Fire Ins. Funds ___ _ 
 
Other Liabilities __ --------120 00 
 
Depositors' Guarantee Funds 3,176 50 
 
Total --------------------$144,644 45 Total --------------------$144,644 45 
 
 308 
 
BANKING DEPARTMENT 
 
EXAMilii'EB'S BEPOBT. 
 
BANK OF IRWINVILLE, IRWINVILLE. 
 
At Close of Business September 16, 1920. 
 
Bresident-J. B. Clements. Vice-President-W. R. Bowen. 
 
Cashier-M. T. Lawrence. 
 
Directors-J. B. Clements, Marcus Fletcher, H. T. Fletcher, E. D. Fletcher, Joe 
 
Fletcher, Jr., E. G. M. Fletcher, J. D. Downing, J. R. Love, W. R. 
 
Bowen, W. W. D. Branch, J. E. Turner. 
 
Date of Charter-October 25, 1906. 
 
Began Business--October 25, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$73,245 11 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 19,817 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 10,000 00 Surplus Fund -------------- 10,000 00 
 
OUtnhiteerdSStotactkess aBnodndBson-d--s.-_-_-_-_Banking House '- ____________ 
 
__5_,5_0__0__00_ 1,379 02 
 
Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State 
 
924 31 16 00 
 
Furniture and Fixtures_____ Other Real Estate Owned ____ 
 
2,596 16 --------- 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 7, 796 22 Individual Deposits Subject 
 
DuSetatefrsom___B__a_n_k_s__ -i-n---o-th__e_r 
 
299 97 DetomaCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t 78,887 93 
 
Currency -----~------------ 
GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-. -_-_-_ -_ Ad"ances on Cotton _________ 
 
712 00 377 00 694 28 --------- 
 
STaimviengCserDtifeipcoasteitss o_f_D__e_p_o_s_i_t__ CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ 
 
7, 705 54 178 28 
 
Adtvieasnces_-o-n--o-t-h.e-r- _C__o_m_m__o_d_i_- 
 
________ _ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Checks for Clearing House._ ________ _ Certificates of Deposit for 
 
Other Checks and Cash Items 148 29 Borrowed Money _- _------ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
Ovaenrcdersaft_s_  (_i-f- _a_n-y_)-. ___--_-__-_-_- Other Assets  _____________ - 
 
- --- ---- 147 01 
 _____ - _- 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
Total --------------------$122,712 06 Total --------------------$122,712 06 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 76,547 64 Capital Stock Paid In  ____ .$ 25,000 00 
 
Demand Loans ------------LUonaitnesdSSectautreesd BboynRdsea_l_E__s_t_a_te_ 
 
24,817 00 SAumrpt.luRs eFseurnvded __f_o_r__B_r_a_n__c_h_es_ 5,000 00 Undivided Profits __________ _ 
 
10,000 00 1,249 15 
 
BOathnekrinSgtoHcokus saend___B_o_n__d_s________ __ 
 
Dividends Unpaid _________ _ 1,379 02 Due to Banks in this State__ 
 
5,000 00 
 
Furniture and Fixtures_____ Other Real Estate Owned. __ _ 
 
2,596 16 CDaulel tMo oBnaenyks- _i_n__o_t_h_e_r__S_tate__s 
 
Due from Banks in this State 5,286 59 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 71,535 88 
 
States ------------------Currency -----------------GSiollvder,--N--i-c-k-e-ls-,--P-e--n-n-i-e-s-. -_-__--_ 
 
1,946 58 Demand Certificates of Deposit 692 00 Time Certificates of DeposiL 
 
--7:3io- 54 
 
367 00 Savings Deposits ---------- 
 
1,908 51 Trust Funds.on Deposit_ ___ _ 
 
Advances on Cotton ________ _ Advances on other Commodi- 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-__-_-_--_ 
 
Chteiecsks -fo--r--C-l-e-a-r-in--g--H-o-u--s-e-.-. Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
Bills Payable -------------Notes and Bills Rediscounted 119 70 Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
 
Ovaenrcdersaf-ts---(i-f--a-n-y-)---_-_-_-_-__-_-- --------5-0 ReasnedrvAeccefpotrancIenste-r-e-s-t---a-n-d- 
 
Other Assets: War Savings Stamps  ------ 
 
Taxes ------------------500 00 Other Liabilities _. ___ -.---- 
 
801 12 
 
Total --------------------$121,160 70 Total --------------------$121,160 70 
 
 FIRST ANNUAL REPORT 
 
309 
 
EXAMINER'S B.EPOB.T. 
 
FARMERS & MERCHANTS BANK, JACKSON. 
 
At Close of Business September 15, 1920. 
 
President-J. H .. Carmichael. Vice-Presidents----J. B. Carmichael, G. E. Mallett. 
 
Cashier-C. T. Beauchamp. 
 
DiTectors-J. H. Carmichael, J. B. Carmichael, G. E. Mallett, J. C. Jones, S. P. 
 
Nichols, T. A. Nutt, R. E. Evans, Geo. F. Etheridge, W. M. Hammond, 
 
F. M. Maddox, L. 0. Benton, J. H. McKibben. 
 
Date of Charter-July 24, 1919. 
 
Began Business-August 29, 1920. 
 
RESOURCES 
 
LIABlLITIES 
 
Time Loans ------------ ___$352,107 51 Capital Stocl<: Paid In_______ $125,000 00 
 
DL oe ma nasnSde cLuoraendsb y- -R- -e-a-l -E- -s-t -a-t e- 
United States Bonds________ Other Stocks and Bonds _____ Banking House -----------Furniture and Fixtures_____ Other Real Estate Owned____ 
 
_6_1_,_2_2_6__36_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
6,650 00 Undivided Profits ---------- 
 
--------- Dividends Unpaid ---------- 
 
5,899 94 Due to Banks in this State__ 
 
4,054 04 ________ _ 
 
CDaulel tMo oBnaenyJ<:s__i_n__o_t_h_e_r_ S--t-a-t-es_ 
 
--------5,000 00 6,828 12 32 00 
10,000 00 _- -_ _- _-_-_-_-_- -_ 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton _______ _ Advances on other Commodi- 
ties ----- ___ _ ______ __ ___ _ 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
atenrcsesof_ _C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
10,770 87 
2,411 39 7, 715 00 
30 00 2,743 85 39,069 19 ________ _ 
241 88 ________ _ 
________ _ 
 
Individual Deposits Subject to Check ---------------- 183,283 59 
Demand Certificates of Deposit 10,000 00 Time Certificates of Deposit_ 150,850 53 
Savings Deposits ---------- --------Cashier's Checks ----------- 2,273 33 Certified Checks __ ---------- --------Bills Payable __ ---------- _- --------Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money --------- --------Liability on Letters of Credit 
and Acceptances _--------- --------Reserve for Interest and Taxes --------- 
 
Overdrafts (if any)-------- --------- Other Liabilities: 
 
Other Assets: 
 
Cash Long ----------------- 
 
Overdrafts ---------------- 
 
23 39 
 
Transit Account ----------- 
 
356 70 
 
32 55 
 
Total --------------------$393,300 12 Total --------------------$393,300 12 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$366,883 28 Capital Stock Paid In_______ $125,000 00 
 
Demand Loans ------------- 59,469 33 Amt. Reserved for Branches _-------- 
 
Loans Secured by Real Estate _____ - __ _ Surplus Fund -------------- 5,000 00 
 
United States Bonds _______ 6,550 00 Undivided Profits ----------- 6,662 98 
 
Other Stocks and Bonds ____ '1,500 00 Dividends Unp.aid ---------- --------- 
 
Banking House ------------- 5,899 94 Due to Banks in this State__ --------- 
 
-io-,ooo- oo Furniture and Fixtures_____ 
Other Real Estate Owned____ 
 
4,054 04 ________ _ 
 
cDaulel 
 
tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_e_s 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton________ _ A dt iveasn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_ m_ _m_ _o_d_i _- 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
7,643 90 
5,251 08 4,791 00 
25 00 2,476 73 68,817 66 ________ _ 2,074 63 ________ _ 
 
Individual Deposits Subject to Check ---------------- 137,196 98 
Demand Certificates of Deposit 3,601 75 Time Certificates of Deposit_ 141,788 34 
Savings Deposits ---------- --------Trust Funds on Deposit_ ____ --------Cashier's Checks ----------- 2,189 53 Certified Checks - _---------- --------Bills Payable -------------- 105,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money --------- 5,000 00 Liability on Letters of Credit 
 
ances -------------------- ________ _ and Acceptances _--------- --------- 
 
Overdrafts (if any) -------- 
 
2 99 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- --------- Other Liabilities ----------- --------- 
 
Total --------------------$541,439 58 Total --------------------$541~39 58 
 
 r 
 
310 
 
BANKING DEPARTMENT 
 
EXAIMI:NEB'S BEPOBT. 
 
JACKSON BANKING COMPANY, JACKSON. 
At Close of Business November 3, 1920. 
 
President-F. S. Ethridge. Vice-President-J. B. Settle. Cashier-N. 0. Ham. 
 
Directors~F. S. Ethridge, J. B. Settle, L. P. McKibben, Hugh Malbet, E. L. Smith. 
 
Date of Charter-December 15, 1888. 
 
Began Business-December, 1888. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$327,096 06 Capital Stock Pa.ld In----------$100,000 00 
 
Demand Loans ----------~----- 23,976 3f Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 22,870 lli Surplus Fund ------------------ 20,000 00 
 
United States Bonds__________ 11>,8150 00 Undivided Profits -------------- 11,204 81' 
 
Other Stocks and Bonds______ 19,778 66 Dividends Unpaid ------------- --------- 
 
Banking House ---------------- 3,684 91' Due to Banks in this State____ --------- 
 
Furniture and Fixtures -------- 2,604 6f Due to Banks in other States__ --------- 
 
Other Real Estate Owned______ --------- Call Money -------------------- --------Due from Banks in this State__ --------- Individual Deposits Subject to 
 
Due from Appr. Res. Agents__ 39,960 23 Check ----------------------- 150,372 41 
 
Currency ---------------------GSiolvlder,--N--i-c-k-e-l-s-, -P--e-n-n-i-e-s_--_-_-_-_-_-_-_- 
 
4,673 or 
1,019042 5340 
 
Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits -------------- 
 
--------62,777 80 63,038 38 
 
Advances on Cotton____________ --------- Trust Funds on Deposit________ --------- 
 
Advances on other Commodities --------- Cashier's Checks -------------- 
 
TI 60 
 
Checks for Clearing House____ 997 20 Certified Checks -------------- --------- 
 
Other Checks and Cash Items 523 24 Bills Payable ------------------ --------- 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted__ 55,410 03 
 
of Credit and Acceptances__ Overdrafts (if any)------------ 
 
---4&9-ii4 
 
Certificates of Deposit for Borrowed Money ---------------- 
 
--------- 
 
Other Assets ------------------ 752 17 Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes Other Liabilities -------------- 
 
-1~578-os 
 
Total ------------------------$464,453 16 Total ------------------------$464,453 16 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCE:S 
 
LIABILITIES 
 
Time Loans ------------------$364,259 78 Capital Stock Pruid In__________$100,000 00 
 
Demand Loans ---------------Loans Secured by Real Hstate 
 
21,715 3f 21,431! 2~ 
 
Amount Reserved for Branches Surplus Fund ------------------ 
 
-2-0~00U-00 
 
United States Bonds ---------- 15.850 0 Undivided Profits -------------- 11,332 61 Other Stocks and Bonds______ 19,745 99 Dividends Unpaid ------------- --------- 
 
Banking House ---------------- 3,'684 9f Due to Banks in this State____ --------- 
 
Furniture and Fixtures________ 2,6lJ4 6F Due to Banks in other States__ --------- 
 
Other Real Estate Owned _____ _ Due from Banks in this State__ 24~525-74 
 
Call Money -------------------Individual Deposits Subject to 
 
-------- 
 
Due from Banks in other States 
Currency ---------------------GSiollvder,--N--i-c-k-e-l-s-, -P--e-n-n--ie-s--__-_-_-_-_-_--_ 
 
2,4lffi 3f Check ----------------------- 110,-179 12 2,293 00 Demand Certificates of Deposit --------- 
132 50 Time Certificates of Deposit__ 58,617 67 953 08 Savings. Deposits -------------- 58,947 74 
 
Advances on Cotton ---------- 954 45 Trust Funds on Deposit_______ 6,163 57 
 
Advances on other Commodities --------- Cashier's Checks -------------- 226 66 
 
Checks for Clearing House____ Other Checks and Cash Items 
 
--------281 09 
 
Certified Checks -------------Bills Payable ------------------ 
 
-1-5-,8-5-0---oo- 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted__ 100,31)4 'i':! 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any)-----------Other Assets: 
 
511 32 rowed Money ---------------- --------Liability on Letters of Credit 
 
RWeavrenSuaeviSngtasmapnsd T--h-r-i-f-t_--_-_-_-__-_--_ 
 
15 00 and Aceeptances ------------ --------17 67 Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$481,972 10 Total ------------------------$4181,972 1lJ 
 
 FIRST ANNUAL REPORT 
 
311 
 
EXAMI:NEB'S BEPOB'l'. 
 
BANK OF JAKIN, JAKIN. 
 
At Close of Business July 21, 1920. 
 
President-C. K. Bivings. ice-President-0. H. Mosely. Cashier-R. G. Luke. 
 
Directors-C. K. Bivings, 0. H. Mosely, J. A. Bivings, T. G. Homey, Sr., M. S. Warren, E. C. Smith, J. S. Sherman. 
 
Date of Charter~September 27, 1912. 
 
Began Busines&-September 27, 1912. 
 
RESOURCE'S 
 
LIABILITIES 
 
Time Loans ------------------$ 62,463 18 
 
Demand Loans ---------------- 22,4ml 96 Loans Secured by Real Icstate United States Bonds _________ _ 
 
Other Stocks and Bonds_____ _ 200 00 
 
BFuarnnkiitnugreHaonudse F-i-x-t-u-r-e-s--__-_-_-_-_-_--_ 
 
3.000 00 2,119 ~9 
 
Other Real Estate Ovvned _____ _ 
 
Due from Banks in this State__ 3,879 73 Due from Banks in other States 282 7g 
 
Currency ---------------------GSiollvder-, --N--ic-k--e-ls-,---P-e-n-n--ie--s-_-__-_-_-_--_ Advances on Cotton___________ _ 
 
7'37 00 22 5~ 
290 90 
 
Advances on other Commodities Checks for Clearing House___ _ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ 
 
1,763 9~ 811 77 
 
Overdrafts (if any)------------ 391 02 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________$ 2l,600 0"0 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits ------------Dividends Unpaid ------------Due to Banks in this State ___ _ Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of DeposiL_ 
 
36,385 3~ 389 01 
 
Savings Deposits -------------Cashier's Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted-Certificates of Deposit for Bor- 
 
2,:{43 63 10,000 00 
 
rovved Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities: Deposits Checks Issued_______ _ :::ash Long -------------------- 
 
1,662 76 4 78 
 
Total ------------------------$ 78,368 1P Total ------------------------$ 78,368 19 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 53.979" 61 
 
Demand Loans ---------------- 2,314 07 Loans Secured by Real Estate 
 
United States Bonds --------Other Stocks and Bonds_______ _ 
 
200 !YO 
 
FBuarnnkiitnugreHaonudse F-i-x-t-u-r-e--s-_-_-_-__-_-_--_ 
 
3,000 00 2,1Ill 39 
 
Other Real Estate Ovvned_____ _ 
 
Due from Banks in this State__ 9,740 37 
 
Due from Banks dn other States Currency ---------------------- 
 
4 742 
 
3on8 
 
GSiollvder,--N--i-c-k-e-l-s-. --P-e-n-n--ie-s-_-_-_-_-_-_-_-_Advances on Cotton ___________ _ 
 
20 00 465 51 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
268 62 
 
of Credit and Acceptances__ 
 
Overdrafts (if any)------------ 
 
Other Assets ------------------ 847 l!< 
 
Overdrafts ---------------------- 
 
4 27 
 
Capital Stock PaJ!d In----------$ 24,600 00 Amount Reserved for Branches --------Surplus Fund ----------------- --------Undivided Profits -------------- 1,587 86 Dividends Unpaid ------------- --------Due to Banks In this State~--- --------Due to Banks In other States__ --------- 
Call MoneY -------------------- --------Individual Deposits Subject to 
Check ----------------------- 41,989 26 Demand Certificates of Deposit --------T'ime Certificates of Deposit___ 380 23 
Savings Deposits -------------- --------Trust Funds on Deposit________ --------Cashier's Checks -------------- 138 52 Certified Checks -------------- --------Bills Payable ------------------ 5,000 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
rovved Money ---------------- --------Liability on Lette.rs of Credit 
and Acceptances ---------C-- --------- 
Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$ 73.7U5' 3- Total ------------------------$ 73,705 37 
 
 312 
 
BANKING DEPARTMENT 
 
EXAMINEB'S B.EPOB.T. 
 
PICKENS COUNTY BANK, JASPER. 
 
At Close of Business July 14, 1920. 
 
President~Sam Tate. Vice-President-R. L. McClain. Cashier-W. C. Warlick. 
 
Directors-Sam Tate, R. L. McClain, W. C. Warlick, MTs. W. C. Warlick, Will Richards. 
 
Date of Charter-July 10, 1909. 
 
Began Business--June 23, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$189,634 44 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 19,277 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 
 
917 67 Surplus Fund -------------- 10,960 53 
 
United States Bonds -------Other Stocks and Bonds____ 
 
10,066 99 _ _______ _ 
 
Undivided Dividends 
 
Profits Unpaid 
 
---------____ - _-- -- 
 
5,867 14 --------- 
 
Banking House ------------- 2, 775 00 Due to Banks in this State.- --------Furniture and Fixtures ____ 3,000 63 Due to Banks in other States --------Other Real Estate Owned____ 3,310 69 Call Money ---------------- --------Due from Banks in this State 53,011 98 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 140,591 49 
 
CuSrtraetnecsy --_-__-_-_-_-_--- -__-_--- -__--------- 
 
- _5-, 7_0-1-- 6__1 
 
Demand Certificates of Deposit --------Time Certificates of Deposit 121,700 10 
 
Gold ----------------------Silver, Nickels, Pennies______ Advances on Cotton_________ A dtvi easn c e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i _Checks for Clearing House__ 
 
10,793 09 Savings Deposits __ -------- 
 
--------________ _ 
 
Cashier's Checks ---------Certified Checks ----------- 
 
________ _ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
________ _ Certificates of Deposit for 
 
--------3,531 19 918 80 
----------------- 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
50 00 Borrowed Money --------- --------Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances __ -------- --------- 
 
O vaenrcdersa f t-s - -(-i f- -a-n-y-)- - -------------- -- 
 
- - - - -3-0 - -1-5 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
----------------- 
 
Other Assets --------------- --------- 
 
Total --------------------$298,569 25 Total --------------------$298,569 25 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$155,452 96 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------..  16,476 29 Amt. Reserved for Branches 
 
Loans secured by Real Estate --------- Surplus Fund -------------- 10,960 53 
 
United States Bonds and 
 
Undivided Profits ---------- 5,708 30 
 
W. S. Stamps ------------ 10,161 91 Dividends Unpaid ---------- 
 
Other Stocks and Bonds____ --------- Due to Banks in this State_- 
 
Banking House ------------ 2,775 00 Due to Banks in other States 
 
Furniture and Fixtures ____ 3,223 13 Call Money ___ ---- _-------- 
 
Other Real Estate Owned __ 2,910 69 Individual Deposits Subject 
 
Due from Banks in this State 48,520 21 to Check ----------------- 130,900 96 
 
Due from Banks in other States ------------------- 
 
1,538 50 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
'ifs~773-99 
 
Currency ------------------- 11,873 00 Savings Deposits __ -------- 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
632 50 Trust Funds on Depos!L---366 53 Cashier's Checks ---------- 3,103 16 
 
Advances on Cotton---~----- --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
ties --------------------- --------- Notes and Bills Rediscounted Checks for Clearing House__ ________ - Certificates of Deposit for 
 
Other Checks and Cash Items 
 
371 41 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances _--------- 
 
ances ------------------- --------- Reserve for Interest and Taxes 
 
OOtvheerrdrAafstssets(i_f __a_n_y_)_________________ - __1__4_4__81_ Other Liabilities ----------- 
 
Total --------------------$254,446 94 Total --------------------$254,446 94 
 
 FIRST ANNUAL REPORT 
 
313 
 
EXA:JIIJ:I:NER'S REPORT. 
 
THE CITIZENS BANK AND TRUST COMPANY, JEFFERSON. 
 
At Close of Business November 13, 1920. 
 
President-T. S. Johnson. Vice-Presidents-R. D. Moore, S. V. Wilhite. Cashier-Homer Hancock. 
 
v. Directors-T. S. Johnson, J. A,. Johnson, J. C. Shields, R. D. Moore, A. J. Murphy, Claud Hancock, S. Wilhite, J. H. Campbell, I. S. Ethridge. 
 
Date of Charter-February 10, 1920. 
 
Began Business-March 4, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLn so a-n-s- - -_-_- -_-_-_-_-_-_-_- -_$_ _2 2_1_, _4_1_7___06_ 
 
Capital Stock Paid In ______$ Amt. Reserved for Branches 
 
84,390 
 
00 
 
Loans Secured by Real Estate --------- Surplus Fund ------------- 
 
United States Bonds ------- --------- Undivided Profits ---------- 
 
OB at hnekri nSg t oHcokuss ea n_d_ _B_ _o_n_d_s_________ 
 
-_-_-_-_-__-_-_- -_ 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
2,836 11 
 
Furniture and Fixtures ____ Other Real Estate Owned____ Due from Banks ----------Due from Banks in other 
States ____ --- ____ ------- _ 
 
2,133 67 ________ - 
3, 739 46 
--- ___ --- 
 
Due to Banks in other States Call Money ---------------Individual Deposits Subject 
to Check ---------------- 104,986 51 Demand Certificates of Deposit 
 
Currency ---~-------------- 1,436 00 Time Certificates of Deposit 15,636 43 
 
SGiolvlder, -N--ic-k-e-l-s-,-P-e-n-n--ie-s-_-_-_-_-_-_- 
 
- -2-, -0 7-9- - -76- 
 
Savings Deposits ---------Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_-_______ ________ _ Cashier's Checks ---------- 
 
A dt iveasn c_e_s_ _o_n_ _o_t_h_e_r_ _C_o_m_ _m_ _o_d_i -_ 
 
________ _ 
 
Certified Checks ____ -- __ --- _ Bills Payable -------------- 
 
Checks for Clearing House__ 
 
384 30 Notes and Bills Rediscounted 
 
408 23 10,000 00 18,497 33 
 
Other Checks and Cash Items 3,307 28 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _____ -- __ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ------------------- --------- and Acceptances ---------- 
 
Overdrafts (if any)--------- 2,083 58 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Revenue Stamps ------------ 
 
173 50 
 
Total --------------------$236,754 61 Total --------------------$236,754 61 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$208,167 10 Capital Stock Paid In ______$ 87,750 00 Demand Loans ------------ --------- Amt. Reserved for Branches Loans Secured by Real Estate --------- Surplus Fund ------------United States Bonds ------- --------- Undivided Profits ---------- 6,984 83 
 
OBathnekrinSgtoHckosusaend___B_o-n-d-s_________ 
 
-_-_-_-__-_-_-_- -_ 
 
Dividends Unpaid ---------Due to Banks in this State 
 
Furniture and Fixtures____ 2,;t33 67 Other Real Estate Owned_____________ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__Sta_t_es_ 
 
Due from Banks in this State 3,379 02 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 85,569 07 
 
States ---~--------------- 4,523 87 Demand Certificates of Deposit 
 
GCoulrdr e n_c_y_ ___- -_-_-_-_-_-_-_-_-__- -__- -__- -_-_-_ 
 
_ _~_._o_oo___00_ 
 
Time Certificates of Deposit Savings Deposits __________ _ 
 
11,819 72 
 
Silver, Nickels, Pennies ___ _ 1,481 15 Trust Funds on DeposlL-- __ 
 
Advances on Cotton_----_--_ ____ -- __ - Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ___ --- __ - _-. 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -__- 
 
690 00 Bills Payable -------------- 12,000 00 1,340 00 Notes and Bills Rediscounted 27,000 00 
 
Other Checks and Cash Items 1,001 07 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ------------------- --------- and Acceptances _________ _ 
 
Overdrafts (if any)---------- 1,619 06 Reserve for Interest and Taxes 
 
Other Assets: Revenue Stamps ------------ 
 
Other Liabilities -----------153 50 
 
Total --------------------$231,488 44 Total ____________________ $231,488 44 
 
 314 
 
BANKING DEPARTMENT 
 
E:XAMINEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, JEFFERSONVILLE. 
At Close of Business July 16, 1920. 
 
President-Joel A. Smith. Vice-Rresident-W. H. McCrary. Cashier-J. H. Whitehurst. 
 
Dkectors-Joel A. Smith, W. H. MeCrary, L. 0. Benton, J. H. Whitehurst, 
 
D. H. Faulk. 
 
.Date of Charter-July 24, 1911. 
 
Began Business-August, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 41,614 00 Capital Stock Paid In ------$ 19,320 00 
 
Demand Loans ------------- 5,023 33 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund ------------- 
 
United States Bonds ------Other Stocks and Bonds____ Banking House ------------ 
 
----------------- 
3,100 00 
 
UDnivdiidveinddeds UPrnopfaiitds -_-_-_-_-_-__-_-_--_ Due to Banks in this State __ 
 
Furniture and Fixtures______ 1,500 00 Due to Banks in other States 
 
Other Real Estate Owned _____________ _ Call Money ---------------- 
 
Due from Banks in this State 18 229 07 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
' 4,357 
 
90 
 
Detmo aCnhdecCk e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 
 
Currency ------------------Gold ----------------------- 
 
2,148 2,523 
 
00 37 
 
posits -------------------Time Certificates of Deposit 
 
Silver, Nickels, Pennies______ 
 
375 37 Savings Deposits ----------- 
 
Advances on Cotton ________ --------- Trust Funds on DeposiL_ 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se-_-_- 
 
-_-_-_-_-_-__- _- -_ 
 
Certified Checks __ - _-- _---- _ Bills Payable -------------- 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 
 
30,244 17 6,000 00 
17,981 05 
205 97 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Aceept- 
 
Borrowed Money --------- 
 
ances ------------------- --------- Liability on Letters of Credit 
 
OO tvheerrd rAa fstsse t s( i f_ _a_n_y_)_ _-_-_-_-_-_-_-_-_ 
 
-_-_-_-_-_-__-_- -_ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
Total --------------------$ 76,385 67 Total --------------------$ 76,385 67 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ 50,529 68 Capital Stock Paid In ______ $ 19,920 00 . 
 
Demand Loans ------------- 
 
291 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund ------------- 
 
TTnited States Bonds ------- 
 
Undivided Profits ---------- 
 
Other Stocks and Bonds ___ _ --------- Dividends Unpatd _________ _ 
 
1,385 38 
 
Banking House ------------ 3,100 00 Due to Banks in this State_Furniture and Fixtures _____ _ 1,500 00 Due to Banks in other States 
 
Other Real Estate Owned __ 
 
235 00 Call Money ---------------- 
 
Due from Banks in this State 25,377 18 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------GS iollvde r ,- -N- -i -c -k-e-l s-,- -P-e-n- -n-i e-s- - -_-_-_ -_ Advances on Cotton ________ _ 
 
to Check ---------------3,764 53 Demand Certificates of De4,610 00 posit -------------------- 
Time Certificates of Deposit 
496 23 Savings Deposits ----------Trust Funds on Deposit_-_-- 
 
46,690 78 
5,500 00 15,673 24 
 
Advances on other Commodi- 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -__Other Checks and Cash Items 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-__-_-_-_-_--_ Bills Payable -------------30 00 Notes and Bills Rediscounted 
 
764 22 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
Ovaenrcdersaft-s--(-if--a-n-y--) --_-_-_-_-__-_--_ 
 
Liability on Letters of Credit and Acceptances ---------- 
 
Other Assets --------------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
'notal --------------------$89,933 62 Total --------------------$89,933 62 
 
 FIRST .ANNUAL REPORT 
 
315 
 
E:XAMil!i'EB'S BEPOB'1'. 
 
TWIGGS COUNTY BANK, JEFFERSONVILLE. 
 
.At Close of Business July 17, 1920. 
 
President--J. C. Shannon. Vice- Presidents-S. E. Jones, J. G. Rockmore. 
 
Cashier-W. E. Hoyle. 
 
Directors-J. C. Shannon, S. E. Jones, J. G. Rockmore, D. S. Faulk, J. S. Vaughn, 
 
J. W. Jones, W. E. Hoyle. 
 
Date of Charter-December 14, 1903. 
 
Began Business-December 14, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$152,020 54 Capital Stock Paid In ------$ 25,000 00 Demand Loans ------------- 22,360 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 51 494 42 Surplus Fund ------------- 10,000 00 
 
United States Bonds ______ Other Stocks and Bonds ____ 
 
13:911 16,314 
 
12 00 
 
UDnivdiidveinddeds 
 
UPnropfaiitds 
 
-_-__-_-_--- -__-_--_ 
 
30,928 49 
 
Banking House ------------ 5,500 00 Due to Banks in this State-- 
 
Furniture and Fixtures ____ 2,150 00 Due to Banks in other States 
 
Due from Banks in this State 44,186 32 Call Money ---------------- 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------- 
C~iu~r~r~ern~ c'Nyic-k-el---s-~ ---:P-e-n-~-i-ie-s-~-~-~-~-~=- 
 
10,090 08 5,772 00 
---692-72 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 144,606 13 Time Certificates of Deposit 126,345 83 Savings Deposits ----------- 
 
.Advances on Cotton -------- 
 
181 58 Cashier's Checks ---------- 1,109 89 
 
.Advances on other Commodi- 
 
Certified Checks ------------ 
 
Chteiecks s--f-o-r--C-l-e-a-r-in--g--H-o-u--se-_-_- 
 
--(261-os 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items 5,062 64 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ------------------Overdrafts (if any) -------Other .Assets: 
 
--------3,377 07 
 
and Acceptances ---------ROethseerrvLeifaobrilIintiteesre_s_t_a_n.:_d__T_a_x__e_s 
 
Depositors' Guarantee Fund_ 3,464 50 
 
Fire Insurance Fund -------- 120 00 
 
Cash Short ---------------- 
 
32 27 
 
Total --------------------$337,990 34 Total --------------------$337,990 34 
 
B.ANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$155,568 37 Capital Stock Paid In ------$ 25,000 00 Demand Loans ------------- '24,804 82 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 47,344 23 Surplus Fund -------------- 10,000 00 United States Bonds -------- 11,142 14 Undivided Profits ----------- 28,145 24 
 
Other Stocks and Bonds ----- 16,564 00 Dividends Unpaid _--- _-- _-- 
 
Banking House ------------ 2,000 00 Due to Banks in this State-Furniture and Fixtures ---- 2,350 00 Due to Banks in other States 
 
Other Real Estate Owned __ Due from Banks in this State 
 
3,500 00 14,827 44 
 
CInadlliviMduoanley D-e-p-o--s-it-s---S-u-b-j-e-c-t 
 
Due from Banks in other States ------------------- 
Currency ------------------- 
 
13,526 6,545 
 
81 00 
 
Detmo aCnhdeCcekrt-if-i-c-a-te-s--o-f-D--e-p-o-s-i-t Time Certificates of DeposiL_ 
 
88,158 116,205 
 
90 04 
 
~i~~~r~-:Nici<eis.- -:P;;;;nies-==== 
 
---826- i5 
 
Savings Deposits ----------Trust Funds on DeposiL __ - _ 
 
.Advances on Cotton -------- 
 
335 95 Cashier's Checks ---------- 1,408 65 
 
.Advances on other Commodi- 
 
Certified Checks ___ -- _--- _-- 
 
Otthieesr C--h-e-c-k-s--a-n-d--C-a-s-h--I-t-e-m--s 
 
--------505 10 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
3,500 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept.- . 
 
Borrowed Money --------- 
 
Ovaenrcdersaft-s--(-i-f -a--n-y-)--_--_-_-_-_--_ 
 
- - - -3 9-3- - -3 2- 
 
Liability on Letters of Credit and Acceptances ---------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Depoeltors' Guarantee Fund 3,464 50 Other Liabilities ------------ 
 
Mutual Fire Insurance Fund 120 00 
 
Collection Account --------- 
 
100 00 
 
Total --------------------$303,917 83 Total --------------------$303,917 83 
 
 316 
 
BANKING DEPARTMENT 
 
E:X:AMINEB'S BEPOB'l'. 
 
FARMERS BANK, JENKINSBURG. 
At Close of Business September 13, 1920. 
 
P;esident-B. F. Akin. Vice-President-J. M. Bankston. Cashier----<W. D. Compton, J<r. 
 
Directors-B. F. Akin, J. M. Bankston, W. D. Compton, Jr., H. G. .Asburry, S. D. 
 
Thurston, J. F. Whitaker, L. 0. Benton. 
 
Date of Charter-January 3, 1910. 
 
Began Business-January, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 61,284 71 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
5,840 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--3~000-00 
 
United States Bonds ------ 
 
Undivided Profits ---------- 2,991 28 
 
Other Stocks and Bonds ___ _ 2,000 00 Dividends Unpaid _--------- 
 
Banking House ------------- 1,500 00 Due to Banks in this State-Furniture and Fixtures ___ _ 1,848 56 Due to Banks in other States 
 
Other Real Estate Owned __ 
 
Call Money ---------------- 
 
Due from Banks in this State 2,393 46 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------.GSAioldlvvdearn-, c-eN-s-i-co-kn-e-l sC-,-o-tP-t oe-nn- -n_-_i e-_s-__- _--_--_----_' 
 
150 05 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 1,019 00 Time Certificates of Deposit 
10 oo Savings Deposits ----------- 
707 67 Cashier's Checks ---------Certified Checks ---------- 
 
29,150 85 17,478 30 
7 82 
 
A dt iveasn c-e-s- -o-n- -o- -t h-e-r- -C- -o-m-m- -o-d-i-- 
 
Bills Payable -------------- 10,000 00 Notes and Bills Rediscounted 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-se--_-_ 
 
Certificates of Deposit for Borrowed Money --------- 
 
Other Checks and Cash Items 
 
287 so Liability on Letters of Credit 
 
Customers' Liability on Let- 
 
and Acceptances ---------- 
 
ters of Credit and .Accept- 
 
Reserve for Interest and Taxes 
 
O vaenrcd, ersa f-t s- - -( -i f- -a-n-y-)- - -_-_ -_ _- _-_-_- -_ 
 
Other Liabilities -----------571 98 
 
Other Assets -------------- 
 
15 02 
 
Total --------------------$ 77,628 25 Total --------------------$ 77,628 25 
 
BANK'S STAT:BJMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 50,136 09 Capital Stock Paid In ----$ 15,000 00 
 
Demand Loans ------------- 
 
91 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus .Fund --------- __ _ 3,000 00 
 
United States Bonds ------ 20,000 00 Undivided Profits ----------- 3,003 12 
 
Other Stocks and Bonds___ _ 
 
Dividends Unpaid _-- __ - ___ - 
 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned__ 
Due from Banks in this State 
 
1,500 00 Due to Banks in this State-1,848 56 Due to Banks in other States 
Call Money ---------------1,656 20 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
to Check ---------------50 05 Demand Certificates of Deposit 461 00 Time Certificates of DeposiL 10 00 Savings Deposits ----------.592 49 Trust Funds on Deposit_ __ _ 
 
19,560 80 5,492 55 
 
.Advances on Cotton and Seed 6,015 33 Cashier's Checks ------------ 
 
207 66 
 
Advances on other CommodiC htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H- o- -u-s-e-_-_ 
 
Certified Checks ----------Bills Payable ------------- 19,000 00 595:99 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
20 00 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) -------- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ------------ 
 
I 
Total --------------------$ 65,264 83\ Total --------------------$ 65,264 83 
 
 FIRST ANNUAL REPORT 
 
31 "/ 
 
EX.A:liii:Ilii'EB'S BEPOBT. 
MERCHANTS & FARMERS BANK, JESUP. 
At Close of Business September 30, 1920. 
President-J. E. Harper. Vice-President-Mrs. G, B. Whaley. Cashier-F. 0. Smith. Directors-E. H. Mason, D. M. Clark, R. M. Millikin, Geo. O'Quinn, Mrs. G. B. 
WhaleY, J. E. Harper. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$240,955 63 Demand Loans ____________ _________ Loans Secured by Real Estate --------- 
 
Capital Stock Paid In ______$ Amt. Reserved for Branches Surplus Fund ------------- 
 
25,000 
--3-.850 
 
-00 00 
 
United States Bonds ______ 2,909 19 Undivided Profits ---------- 9,662 67 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 4,000 00 Due to Banks in this State Furniture and Fixtures ____ 2,207 86 Due to Banks in other States 
 
Other Real Estate Owned____ 9,901 91 Call Money ---------------Due from Banks in this State 54,621 75 Individual Deposits Subject DuSetatfersom___B_a_n__k_s___in___o__th_e_r_ _________ DetomaCndhecCker-ti-f-i-c-a-te-s---o-f--D--e-- 170,558 28 
 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ Advances on Cotton -------Advances on other Commodi- 
 
5,066 00 posit --------------------1,600 00 Time Certificates of Deposit 3,266 59 Savings Deposits ------------------- Trust Funds on Deposit ---- 
Cashier's Checks ---------- 
 
24,843 77 94,814 02 
1,770 40 2,757 31 
 
ties ---------------------- _________ Certified Checks ---------- 
 
Checks for Clearing House__ Other Checks and Cash Items 
 
619 10 Bills Payable -------------932 17 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- _________ Liability on Letters of Credit 
 
Overdrafts (If any) ------- 3,394 19 and Acceptances ---------- 
 
Other Assets --------------- 515 03 Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
Total --------------------$333,256 45 Total --------------------$333,256 45 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$174,033 27 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans -------------Loans Secured by Real Estate 
 
12,038 99 31,807 01 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--3~85ii-iiii 
 
United States Bonds ______ 2,953 19 Undivided Profits ---------- 7,790 94 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------- 4,000 00 Due to Banks In this State Furniture and Fixtures ____ 2,257 86 Due to Banks in other States 
 
Other Real Estate Owned____ 7,151 91 Call Money ---------------Due from Banks in this State 45,038 41 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 137,528 60 
 
States -------------------Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ 
 
7,462 55 Demand Certificates of De6,380 00 posit -------------------- 116,424 00 1,650 00 Time Certificates of Deposit_ 2,651 08 Savings Deposits ----------- 
 
Advances on Cotton -------- --------- Trust Funds on Deposit_ __ _ 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 10,971 .07 
 
ties ---------------------- --------- Certified Checks ---------Checks for Clearing House__ _________ Bills Payable -------------- 
 
Other Checks and Cash Heins 2,550 37 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any) -------- 1,069 94 and Acceptances ---------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Long and Short Account____ 378 76 Other Liabilities ------------ 
 
Items in Suspense ---------- 141 27 
 
Total --------------------$301,564 61 Total --------------------$301,564 61 
 
 318 
 
BANKING DEPARTMENT 
 
EXA'liii:I:NEB'S BEPOB'r. 
 
BANK OF CLAYTON COUNTY, JONESBORO. 
 
At Close of Business August 30, 1920. 
 
President-L. Z. Gilbert. Vice-President-J. 0. Hightower, Jr. 
 
. 
 
Cashier-L. M. King. 
 
D1rectors-L. Z. Gilbe.rt, J. 0. Hightower, L. M. King, Jno. M. Uonday, 0. J. 
 
Coogler, A. C. Farmer, \V. A. Stephens, A. S. Fort. 
 
Date of Charter-October 10, 1'!108. 
 
Began Business-October 29, 1908. 
 
RESOURCES 
 
I 
 
LIABILITIES 
 
Time Loans ----------------$181,293 84 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------- 17,273 19 Amt. Reserved for Branches --------Loans Secured by Real Estate _________ Surplus Fund -------------- 15,000 00 
 
United States Bonds -------- 33,600 00 Undivided Profits ---------- 9,667 99 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ----------- --------- 
 
Banking House ------------- 3,000 00 Due to Banks in this State --------Furniture and Fixtures______ 2,000 00 Due to Banks in other States --------- 
 
Other Real Estate Owned_____________ Call Money ---------------- --------Due from Banks in this State 17,834 42 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 108,318 33 
 
States ------------------- 1,468 10 Demand Certificates of Deposit ________ _ 
 
Currency ------------------- 9,426 00 Time Certificates of Deposit 1,739 58 
 
Gold ----------------------- 
 
867 50 Savings Deposits ---------- 98,704 99 
 
Silver, Nickels, Pennies------ 1,151 74 Cashier's Checks------------ 
 
52 72 
 
Advances on Cotton ________ --------- Certified Checks ---------- _________ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 20,000 00 
 
ties ---------------------- _________ Notes and Bills Rediscounted --------- 
 
Cloecks for Clearing House__ 
 
954 45 Certificates of Deposit for 
 
Other Checks and Cash Items _________ Borrowed Money _________ ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters .of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- --------- 
 
ances -------------------- --------- Reserve for Interest and Taxes --------- 
 
Overdrafts (if any) -------- 9,614 37 Other Liabilities------------ --------Other Assets --------------- _________ 
 
Total --------------------$278,483 61 Total --------------------$278,483 61 
 
BANK'.S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$113,061 05 Capital Stock Paid In ------$ 25,000 00 Demand Loans ------------- 4,321 28 Amt. Reserved for Branches Loans Secured by Real Estate 78,419 89 Surplus Fund -------------- 15,000 00 United States Bonds ______ 24,720 35 Undivided Profits ---------- 10,393 27 
 
Other Stocks and Bonds __ 10,000 00 Dividends Unpaid ----------- 
 
Banking House ------------ 3,000 00 Due to Banks in this State Furniture and Fixtures______ 2,000 00 Due to Banks in other States 
 
Other Real Estate Owned_____________ Call Money ---------------- 
 
Due from Banks in this State 
Due from Banks in other States ------------------- 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ 
 
5,072 35 Individual Deposits Subject 
to Check ---------------276 02 Demand Certificates of Deposit 7,650 00 Time Certificates of Deposit 927 50 Savings Deposits _________ _ 1,528 80 Trust Funds on Deposit_ __ _ 
 
70,120 38 
751 35 90,623 84 
 
Advances on Cotton ________ --------- Cashier's Checks ---------- 
 
401 83 
 
Advances on other Commodi- 
 
Certified Checks ---------- 
 
ties ---------------------- _________ Bills Payable --------------- 40,000 00 
 
Checks for Clearing House__ 
 
362 87 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
12 31 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money ---------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------- 
 
Overdrafts (if any) ________ 
 
938 25 Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ------------ 
 
Total --------------------$252,290 67 Total --------------------$252~90 67 
 
 FIRST ANNUAL REPORT 
 
319 
 
EXAMINER'S REPORT. 
 
BANK OF JONESBORO, JONESBORO. 
 
At Close of Business November 9, 1920. 
 
President-A. C. Blalock. Vice-President-J. 0. Hightower. Cashier-J. B. Pulliam. 
Directors-A. C. Blalock, J. 0. Hightower, c. H. Hutchinson, S. D. Crawford, 
 
L. H. Hammett, W. A. Camp, E. T. Mundy. 
 
Date of Chart~-October 6, 1903. 
 
Began Business--November 7, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$233,027 21 Demand Loans ------------ 30,190 31 Loans Secured by Real Estate --------United States Bonds ------ 30,011 54 Other Stocks and Bonds ____ 29,500 00 
Banking House ------------ 1,500 00 Furniture and Fixtures ____ 1,000 00 
 
Capital Stock Paid In ------$ Amt. Reserved for Branc!1es 
Surplus Fund --------------Undivided Profits ---------Dividends Unpaid ----------Due to Banks in this State Due to Banks in other States 
 
25,000 00 
25,000 00 34,065 51 
 
Other Real Estate Owned__ 9,991 02 Call Money ---------------- 
 
Due from Banks in this State DuSetatfersom_ __B_ a_ _n_k_s_ __in_ _ _o__th_e_r_ 
 
--------________ _ 
 
Individual Deposits Subject to Check ---------------- 
Demand Certificates ofDeposit 
 
222,068 
 
67 
 
Currency ------------------GSiollvder-, -N--ic-k-e-l-s-, -P-e-n--n-ie-s-_-_-_-_-_-_- 
 
3,987 00 Time Certificates of Deposit 
 
1,727150 0806 
 
Savings Deposits ----------Cashier's Checks ----------- 
 
478 36 
 
Advances on Cotton -------Adtvieasnce_s_ _o_n__o_t_h_e_r__C_o_ m__m_ _o_d_i_- 
Checks for Clearing House__ Other Checks and Cash I terns Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -- -- -- -- -- -- -- -Other Assets: 
 
--------________ - 
1,218 68 303 00 
-{1~397-92 
 
Certified Checks -----------Bills Payable -------------Notes and Bills Dediscounted Certificates of Deposit for 
Borrowed Money ---------Liability on Letters of Credit 
and Acceptances --------Reserve for Interest and Taxes 
Other Liabilities ------------ 
 
-5-0~000-00 
 
Collection ----------------- 2,500 00 
 
Total --------------------$356,612 54 Total --------------------$356,612 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$139,826 73 Demand Loans_____________ 41,861 29 
 
Loans Secured by Real Estate 81,271 70 
 
United States Bonds ------ 2,401 84 
 
OBathnekringBoHndosuse---_-_-_-_-_-_-_-_-_-_-__- 291,,550000 0000 
 
Furniture and Fixtures ____ 1,000 00 Other Real Estate Owned ____________ _ 
 
Due from Banks in this State Due from Banks in other 
States -----------------Currency ------------------GSiollvder, --N--ic-k-e-l-s-,--P--e-n-n-i-e-s-_-__--_ 
Advances on Cotton -------Advances on other Commodi- 
ties --------------------Checks for Clearing- House __ _ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
14,050 23 
3',901 04 3,345 00 
185 00 1,766 46 5,528 28 
________ _ 430 75 273 25 
 
ances -------------------- --------- 
 
Overdrafts (if any) -------- 
 
115 25 
 
Other Assets: 
 
Profit and Loss ------------ 2,492 14 
 
Capital Stock Paid In ______$ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 25,000 00 Undivided Profits ---------- 40,284 64 
 
Dividends Unpaid ----------Due to Banks in this State 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 238,501 52 Demand Certificates of Deposit 
 
Time Certificates of DeposiL 
 
Savings Deposits ----------Trust Funds on Deposit____ 
 
Cashier's Checks ------------ 
 
662 80 
 
Certified Checks ------------ 
 
Bills Payable -------------Notes and Bills Dediscounted 
 
Certificates of Deposit for 
 
Borrowed Money ---------Liability on Letters of Credit 
 
and Acceptances --------Reserveforlnterest and Taxes 
 
Other Liabilities ------------ 
 
Total --------------------$329,448 96 Total --------------------$329,448 96 
 
 320 
 
BANKING DEPARTMENT 
 
EXAMI:NllB'S BEPOB.'.r. 
 
FARMERS & MERCHANTS BANK, JUNCTION CITY. 
 
At Close of Business October 8, 1920. 
 
President-C. W. Moore. Vice-Presidents-R. L. McBride, :r. T. Hart. 
Cashier-W. E. Greene, Jr. 
 
DireotorSI--0. 
 
W. 
 
Moore, W. E. Brown, C. H. 
 
Gre,ene, Moore, 
 
:rJ.:r.T, . 
 
W. K. Hart, 
 
Mo:rga.n, R. L. J. S. Brown. 
 
McBride, 
 
W. 
 
M. 
 
Date of Charter-March 23, 1912. 
 
Began Business-April 3, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLd oaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_$ _5_2_,_0_5_3__03 CAampti.taRl eSsteorcvkedPafiodr IBnra-n-c--h-e-s$ 15,000 00 
 
Loans Secured by Real Estate --------- Surplus Fund -------------United States Bonds -------- 9,279 12 Undivided Profits ---------Other Stocks and Bonds____ --------- Dividends Unpaid -------- 
 
7,500 00 1,199 89 
56 00 
 
Banking House ------------- 1,407 40 Due to Banks in this State Furniture and Fixtures ____ 1,651 14 Due to Banks in other States 
 
Other Real Estate Owned_____________ Call Money ---------------- 
 
Due from Banks in this State 3,853 16 Individual Deposits Subject 
 
Due from Banks in other 
 
to Ch,eck ------------------ 
 
States _____ ----- _________ ____ ____ _ Demand Certificates of De- 
 
25,121 9!1 
 
Currency ----------------~-Gold ----------------------Silver, Nickels, Pennies ____ Advances on Cotton________ 
 
1,832 00 posit --------------------- 22,161 97 93 00 Time Certificates of Deposit_ 22,161 97 
1,006 15 Savings Deposits ----------2,300 00 Trust Funds on Deposit_ __ _ 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 
 
12 78 
 
ties --------------------- --------- Certified Checks ---------- 
 
Checks for Clearing House __ 
 
56 45 Bills Payable -------------- 5,000 00 
 
Other Checks and Cash Items 259 26 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
ances -------------------- --------- Liability on Letters of Credit Overdrafts (if any) ________ _________ and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
County Warrants ---------- 2,261 89 Other Liabilities------------ 
 
Total --------------------$ 76,052 60 Total ---,---:..._____________$ 76,052 60 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 31,972 03 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- 6,585 60 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 14,973 00 Surplus Fund -------------- 
 
United States Bonds ------ 8,538 63 Undivided Profits ---------- 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ 1,407 40 Due to Banks in this State --------- 
 
FOutrhneirtuRreeaal nEdsFtaitxetuOrewsne-d--_-_-_-_____1_,6_5_1_ _14 
 
Due to Banks in other States Call Money ---------------- 
 
----------------- 
 
Due from Banks in this State 8,685 00 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check --------------- 31,641 26 
 
States ------------------- --------- 
 
Currency ------------------- 
 
400 00 
 
SGiolvlder-, -N--ic-k-e-l-s-,-P-e-n--n-ie-s-_-_-_-_-_-_-- 40903 5020 
 
Dema_nd Certificates of De- 
Ti~:'bertiticates-oTDeposit-=. 
Savings Deposits ----------- 
 
-2:t.ii7-s7 
--------- 
 
Advances on Cotton -------- 6,300 00 Trust Funds on Deposit____ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ---------- 
 
11 78 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u-s-e-_-_- 
 
-_-_-_-_-__-_-_- -_ 
 
Certified Checks ---------Bills Payable -------------- 
 
--------6,000 00 
 
Other Checks and Cash Items 2,584 49 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- --------- 
 
Ovaenrcdersaf-ts---(-if--a-n-y-)---_-__-_--- -_-_-_ 
 
-_-_-_-__-_-_-_- -_ 
 
Liability on Letters of Credit and Acceptances --------- 
 
--------- 
 
Other Assets --------------- --------- Reserve for Interest and Taxes --------- 
 
Other Liabilities ------------ --------- 
 
Total --------------------$ 83,590 81 To,tal --------------------$ 83,590 81 
 
 FIRST ANNUAL REPORT 
 
321 
 
EXAMINER'S REPORT. 
 
KENNESAW STATE BANK, KENNESAW. 
 
At Close of Business September 23, 1920. 
 
President-J. G. Lewis. Vice-President-C. P. Morgan. Cashier-R. Russom. 
 
Directors-J. G. Lewis, C. P. Morgan, B. H. Carrie, G. W. Calker, B. H. Hill, 
 
P. L. Lewis, W. E. McClure. 
 
Date of Charter-April 20, 1910. 
 
Began Business-April, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 73,710 37 Capital Stock Paid In _______ $ 20,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
15,696 40 12,676 86 
 
ASumrtp.luRs esFeurvnedd _fo__r __B_r_a_n_c_h__es_ 
 
United States Bonds ________ 7,550 00 Undivided Profits ----------- 3,854 51 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------- 3,500 00 Due to Banks in this State Furniture and Pixtures ______ 1,400 77 Due to Banks in other States 
 
Other Real Estate Owned_____________ Call Money ---------------- 
 
Due from Banks in this State 7,695 13 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 26,271 87 
 
States ------------------- _________ Demand Certificates of De- 
 
Currency ------------------ 
GSiollvder-, -N--ic-k-e-l-s-, -P--e-n-n-i-e-s-_-__-_-_--_ Advances on Cotton ________ Advances on other Commodi- 
 
4,656 00 25 00 
895 30 --------- 
 
posit -------------------~Time Certificates of Deposit_ Savings Deposits __________ _ Trust Punds on Deposit_ __ _ Cashier's Checks _________ _ 
 
42,544 77 343 00 
 
ties --------------------- ________ _ Certified Checks -----------Checks for Clearing- House__ ________ _ Bills Payable -------------Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 
 
3,500 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y- )- - -_-_-_-_-_-_-_-_ 
 
-_-_-_-_-_ _-_-_- -_ 
 
Liability on Letters of Credit and Acceptances --------- 
 
Other Assets --------------- 
 
208 32 Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
Total --------------------$128,014 15 Total --------------------$128,014 15 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILl'll'IES 
 
Time Loans ---------------$ 55,420 99 Capital Stock Paid In ------$ 20,000 00 
 
Demand Loans ------------- 14,658 42 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 21,358 10 Surplus Fund __ ---- __ ----- 
 
United States Bonds ________ 7,550 00 Undivided Profits ---------- 3,150 44 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ 3,500 00 Due to Banks in this State 
 
Purniture and Pixtures _____ 1,950 02 Due to Banks in other States 
 
Other Real Estate Owned_____________ Call Money ---------------- 
 
Due from Banks in this State 7,958 04 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
--------- 
 
Detmo aCnhdecCk e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 
 
25,789 24 
 
Currency ------------------- 2,139 00 posit --------------------- 
 
GSiollvder-, -N--ic-k-e-l-s-, -P--e-n-n-i-e-s-_-_-__-_--_ Advances on Cotton ________ 
 
10 00 _ _ _ _68_5_ _ _60_ 
 
Time Certificates of Deposit_ Savings Deposits __________ _ Trust Funds on Deposit_ __ _ 
 
32,639 61 
 
Advances on other Commodi- 
 
Cashier's Checks ___________ _ 
 
897 18 
 
ties --------------------- _________ Certified Checks ____________ 
 
Checks for Clearing House__ ________ _ Bills Payable --------------- 33,000 00 
 
Other Checks and Cash Items 
 
71 09 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
ances -------------------- ________ _ Liability on Letters of Credit 
 
Overdrafts (if any) --------- 
 
175 21 and Acceptances ________ _ 
 
Other Assets --------------- _________ Reserve for Interest and Taxes 
 
Other Liabilities ___________ _ 
 
Total --------------------$115,476 47 Total --------------------$115,476 47 
 
 322 
 
BANKING DEPARTMENT 
 
EXA'MINER'S REPORT., 
THE STATE BANK OF KINGSLAND, KINGSLAND. 
 
President-W. B. Godley. Vice-Presidents-J. H. Gross, Wm. MixelL 
 
Cashier-C. A. Perry. 
 
Directors-W. B. Godley, C. A. Perry, John Brazell, J. H. Gross, S. C. Sheffield, J. H. Sauls, vVm. Mizell, I. N. Carlton. 
 
Date of Charter-November 26, 1912. 
 
Began Business-December 10, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 66,320 36 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans -------------- 9,650 93 Loans Secured by Real Estate ________ _ United States Bonds ________ 1,900 00 Other Stocks and Bonds____ _________ 
Banking House ------------- 4,000 00 Furniture and Fixtures ____ 2,500 00 Other Real Estate Owned_____________ 
D:~e from Banks in this State ____ ----- 
 
Amt. Reserved for Branches Surplus Fund - ___ -- __ ---- _ 
Undivided Profits ----------Dividends Unpaid ---------Due to Banks in this State Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
 
6,575 19 12 00 
 
Due from Banks in other States ------------------- 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ Advances on Cotton ________ 
 
2,302 79 3,801 00 ________ _ 
409 98 ________ _ 
 
to Check ---------------Demand Certificates of De- 
posit -------------------Time Certificates of Deposit Savings Deposits _________ _ Trust Funds on DeposiL __ _ 
 
40,570 25 
2,261 60 24,935 46 
 
Adtiveasnce_s__o_n__o__th_e__r _C__o_m_m__o_d_i_- ________ _ CCearsthifiieerd's CChheecckkss _-__-_-_-_-_-_-_-_-_--_ 
 
854 81 
 
Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,831 75 Dills Payable -------------1,455 37 Xotes and Bills Rediscounted 
Certificates of Deposit for Borrowed Money _________ _ 
 
4,000 00 
 
ances -------------------- ________ _ Liability on Letters of Credit 
 
Overdrafts (if any) ________ 
 
29 38 and Acceptances ________ _ 
 
Other Assets: Cash Short --------------- 
 
Reserve for Interest and Taxes 7 75 Other Liabilities ___________ _ 
 
Total --------------------$ 94,209 31 Total --------------------$ 94,209 31 
 
BAKK'S STATEMEKT at Close of Business llecc-mber 15, 1920. 
 
RESOURCES 
 
LIA DILITIES 
 
Time Loans _______________ $ S1,0H 36 
________ . Demand Loans ___________ _ 
Loans Secured by Real Estate United States Bonds _______ _ 1,900 00 Other Stocks and Bonds___ _ 
 
Capital Stock Paid In_______ $ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund------------- 
 
Undivided Profits ---------- 6,692 96 
 
Dividends Unpaid _________ _ 
 
12 00 
 
Banking House ___________ _ 4,000 00 Due to Banks in this State 
 
Furniture and Fixtures _____ _ 2,500 00 Due to Banks in other States 
 
Other Real Estate Owned __ 1,502 11 Call Money ---------------- 
 
Due from Danks in this State DuSetatfersom___n_n_~:_'__s __i_n___o_th__ce_ Currency _________________ _ 
Gold ----------------------Silver. Nickels, Pennies ____ _ 
 
397 29 
6,168 56 4,000 00 
1,314 23 
 
Individual Deposits Subject to Check _______________ _ 
Demand Certificates of Deposit --------------------- 
Time Certificates of Deposit Sa,-ings Deposits ________ _ 
 
43,681 75 
2,254 59 23,642 25 
 
Advances on Cotton _______ _ 
 
Trust Funds on Deposit ___ _ 
 
Advances on other Commodities --------------------- 
 
CCearsthifiieerd's CChheecckkss -_-_-__-_-_-_-_-_-_-_--_ 
 
327 48 
 
Checks for Clearing House __ 
 
Dills Payable -------------- 13,000 00 
 
Other Checks ami Cash Item~ 1,778 82 :\'otes and Bills Rediscounted 
 
Customers' Liahilit~ on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money _________ _ 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-)-- )- - -__-_-_-_-_-__- -_ 
 
Liability on Letters of Credit 15 66 and Acceptances ________ _ 
 
Other Assets -------------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
Total --------------------$104,611 03 Total ____________________ $]04,611 03 
 
 FmsT ANNUAL REPOHT 
 
323 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF KINGSTON, KINGSTON. 
 
At Close of Business September 15, 1920. 
 
President-!. S. Sheats. Vice-President~O. M. Butler. Cashie.r-Miss H. L. Hargis. 
 
Direetors-I. S. Sheats, 0. M. Butler, :\Iiss H. L. Hargis, David W,e,aver. 
 
Date of Charter-1904. 
 
Began Business-1904. 
 
RgSOURCES 
 
LIABILITIES 
 
Time Loans ----------------$141,574 05 Demand Loans _____________ 1,467 06 
 
Loans Secured by Real Estate 6,465 40 United States Bonds ______ 2,900 00 Other Stocks and Bonds____ ________ _ 
 
Banking House ------------ 8,500 00 Furniture and Fixtures ____ 3,500 00 Other Real Estate Owned __________ _ 
 
Due from Banks in this State 7,588 23 Due from Banks in other 
 
States ------------------Currency ------------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s---_-__--_ Advances on Cotton ________ 
 
5,594 53 
:1,055 00 90 00 
f>61 43 ________ _ 
 
Advances on other Commodi- 
 
ties --------------------Checks for Clearing HonHe __ Other Checks and Cash I!'"" ________ _ 
 
Customers' Liability on ' ters of Credit and A. 
 
ances -------------------Overdrafts (tf any) __ : ____ . Other Assets _______________ _ 
 
3,461 50 
 
Capital Stock Paid In ------$ Amt. Reserved for Branches 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid __________ _ Due to Banks in this State Due to Banks in other States Call Money ----------------Individual Deposits Subject 
to Check ---------------Demand Certificates of De- 
posit -------------------Time Certificates of Deposit Savings Deposits __________ _ Trust Funds on Deposit ___ _ Cashier's Checks _________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ---------Liability on Letters of Credit 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
15,000 00 3,000 00 2,390 39 
40,000 00 43,215 03 
5,307 25 198 53 
25,000 00 
2,880 00 
 
Total ____________________ $184,757 20 Total ____________________ $184, 757 20 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ .$124,61)8 6~ Capital Stock Paid In ------$ 1,500 00 Demand Loans _____________ 2,2!0 01 .-\mt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate _________ !'1urplus Fund -------------- 3,000 00 
 
United States Bonds ________ 2,900 00 I F. ~iviiled Profits ---------- 
 
650 20 
 
Other Stocks and Bonds_____ __ ___ _ __ _ Lli villends Unpaid ----------- --------- 
 
Banking House ____________ 8,500 00 Due to Banks in this State ________ _ 
 
Furniture and Fixtures ______ 3,500 00 Due to Banks in other States 35,000 00 Other Real Estate Owned__ _________ Call Money __ __ _________ __ _ __ _____ __ 
 
Due from Banks in this State Due from Banks in other 
States ___________________ 
 
1,446 97 Ind:vidual Deposits Subject to Check _________________ 43,826 69 
2,771 02 Demanu Certificates of De- 
 
Currency ------------------Gold _______________________ 
Silver, Nickels, Pennies ____ Ailvances on Cotton_________ 
Advances on other Commodities --------------------- 
Checks for Clearing- House__ 
 
4,405 00 143 50 778 49 
7,778 45 
_________ _________ 
 
posit --------------------- ________ _ 
 
Time Certificates of Deposit 30,573 19 
 
Savings Deposits _______ .. _ ...... __ _ 
 
Trust Funds on Deposit ____________ _ 
 
Cashier's Cltecks ___________ 
 
92 35 
 
Certified Clwcks ____________ ________ _ 
 
Bills Payal>lP ______________ 28,000 00 
 
Other Checks and Cash Items __ ___ _ ___ Notes and Bills Rediscounted 3,fi00 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money __________ ________ _ 
 
ances -------------------Overdrafts (if any) -------Other Assets: Mutual Fire Insurance ______ Depositor's Insurance ______ 
 
__________ --------- 
120 00 3,341 50 
 
Liability on Letters of Credit and Acceptnnces __________ 
Reserve forTnterest and Taxes Other Liabilities _____________ 
 
--------________ __ 
2,891 25 
 
Total ---------------------$162,533 68 Total ---------------------$162,533 68 
 
 324 
 
BANKING DEPARTMENT 
 
EXA'MINEB.'S B.EPOB.T. 
 
CITIZENS BANK, KITE. 
 
At Close of Business September 18, 1920. 
 
President-D. C. Harrison. Vice-President-J. E. Clark. Cashier-J. S. Stephenson. 
 
Directors-D. C. Harrison, J. E. Clark, M. J. Claxton, J. M. Neal, J. B. Claxton, J. L. Hatcher, J. S. Stephenson. 
 
Date of Charter-S<eptembe.r 11, 1906. 
 
Beg~an Business--August 3, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$117,728 27 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 51,888 16 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund .............. __ .. _ .. .. 
 
United States Bonds _______ Other Stocks and Bonds _____ 
 
8,822 1,500 
 
68 00 
 
Undivided Profits ----------Dividends Unpaid ---------- 
 
10,994 66 10 00 
 
Banking House ------------ 1,575 49 Due to Banks in this State .... 
 
Furniture and Fixtures_____ 4,127 05 Due to Banks in other States 
 
Due from Banks in this State 10,315 15 Call Money ----------------- 32,500 00 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------- 5,049 29 to Check ---------------- 52,193 70 
 
Currency ------------------ 4,545 00 Demand Certificates of Deposit 4,005 00 
 
GSiolvlder, --N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-_-_ 
 
242 50 Time Certificates of Deposit_ 97,638 92 887 19 Savings Deposits _________ _ 
 
Advances on Cotton ________ ________ _ Trust Funds on Deposit ___ _ 
 
Advances on other Commodi- 
 
Cashier's Checks __________ _ 1,325 18 
 
ties -------------------- _________ _ Certified Checks ----------Checks for Clearing Hous ~ __ ________ _ Bills Payable _____________ _ 20,000 00 Other Checks and Cash Items ___ ........ __ Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- ________ _ Liability on Letters of Credit 
 
Overdrafts (if any) ________ 23,233 05 and Acceptances ------~ 
 
Other Assets: Depositors' Guarantee _____ _ Mutual Fire Fund _________ _ Collections _______________ _ 
 
Reserve for Interest and Taxes 3,427 85 Other Liabilities ------------ 
120 00 37 55 
 
Total ------------------- .. $233,667 46 Total --------------------$233,667 46 
 
BANK'S STATJDMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$102,830 41 Capital Stock Paid In _______ $ 15,000 00 
 
'Jemand Loans ------------- 40,091 21 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 6,640 00 Surplus Fund -------------- 3,000 00 
 
United States Bonds ________ 
 
362 38 Undivided Profits ----------- 5,250 58 
 
Other Stocks and Bonds_____ 1,500 00 Dividends Unpaid ---------- 
 
10 00 
 
Banking House _:___________ 1,575 49 Due to Banks in this State __ 2,182 85 
 
Furniture and Fixtures.... ___ 4,127 05 Due to Banks in oth.er States 19,500 00 
 
Other Real Estate Owned__ ________ _ Call Money .... _...... _................ .. 
 
Due from Banks in this State 2,268 11 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 29,116 32 
 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_--_ 
 
3,446 50 Demand Certificates of Deposit 4,005 00 2,326 00 Time Certificates of Deposit.. 67,235 54 
 
GSiollvder,--N--i-c-k-e-ls-,--P--e-n-n-i-e-s-...-. -__--_ 
 
242 50 Savings Deposits ---------1,352 74 Trust Funds on Deposit ___ _ 
 
Advances on Cotton ________ _ 3,825 39 Cashier's Checks __________ _ 
 
14 79 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- g- - -H-o-u-s-e-_-_- 
 
8,019 50 Bills Payable --------------________ _ Notes and Bills Rediscounted 
 
30,500 00 3,000 00 
 
Other Checks and Cash Items ................ .. Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-) - -_-_-_ -_ -_ _- _- _- -_ 
 
-- 
 
----87 
 
-so- 
 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
120 00 Other Liabilities ___________ _ 
 
Total --------------- _____ $178,815 OS Total --------------------$178,815 08 
 
 FIRST ANNUAL REPORT 
 
325 
 
EXAMINEE'S BEPOBT. 
 
BANK OF LAFAYETTE, LAFAYETTE. 
 
At Close of Business October 7, 1920. 
 
President-J. P. Shattuck. Vice-President-F. D. Fortune. Cashier-J. E. Patton. 
 
Directors-J. P Shattuck, P. D. Fortune, J. E. Patton, D. \Y. Herndon, S. M. Warthem, J. C. Young, J. S. Probases. 
 
Date of Charter-November, 1889. 
 
Began Business-July, 1899. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$576,555 03 Capital Stock Paid In_______ $ 60,000 00 
 
Demand Loans ------------- 24,467 63 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 125,150 49 Surplus Fund -------------- 60,000 00 United States Bonds ________ 49,000 00 Undivided Profits __________ _ 25,436 83 
 
Other Stocks and Bonds_____ 6,600 00 Dividends Unpaid ----------Banking House _____________ 26,165 48 Due to Banks in this State __ 
 
Furniture and Fixtures______ 4,754 42 Due to Banks in other States 
 
Other Real Estate Owned____ 15,597 45 Call Money ----------------- 
 
Due from Banks in this State 8,460 32 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ________________ _ 256,854 37 
 
States ------------------- 10,777 23 Demand Certificates of Deposit Currency __________________ 10,456 00 Time Certificates of Deposit_ 239,599 90 
 
Gold ----------------------- 
 
665 00 Savings Deposits __________ _ 41,280 83 
 
Silver, Nickels, Pennies_____ 2,994 80 Trust Funds on Deposit ___ _ 
 
Advances on Cotton ________ _________ Cashier's Checks __________ _ 
 
Advances on other Commodi- 
 
Certified Checks __________ _ 
 
4,019 51 
 
ties -------------------- __________ Bills Payable _____________ _ 175,000 00 
 
Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
104 80 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ____________________ _________ and Acceptances --------- 
 
Overdrafts (if any) _________ 
 
24 79 Reserve for Interest and Taxes 
 
Other Assets: War Savings Stamps ______ _ 
 
Other Liabilities-----------418 00 
 
Total --------------------$862,191 44 Total --------------------$862,191 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURC:BJS 
 
LIABILITIES 
 
Time Loans _______________ $502,937 86 Capital Stock Paid In _______ $ 60,000 00 
 
Demand. Loans ------------- 22,102 63 Amt. Reserved for BraucheR 
 
Loans Secured by Real Estate 110,317 11 Surplus Fund -------------- 60,000 00 United States Bonds ________ --------- Undivided Profits :_ ________ _ 23,132 35 
 
Other Stocks and Bonds_____ 6,600 Oo Dividends Unpaid - __ -- ___ - _ 
 
Banking House _____________ 26,165 48 Due to Banks in this State __ 
 
Furniture and Fixtures______ 4,754 42 Due to Banks in other States 
 
Other Real Estate Owned____ 15,597 45 Call Money ------------------ 
 
Due from Banks in this State 14,925 25 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 303,140 23 
 
States ------------------- 41,661 70 Demand Certificates of Deposit 
 
819 03 
 
Currency ----------------- _ 24,019 00 Time Certificates of Deposit_ 169,235 62 
 
Gold ---------------------- 
 
617 50 Savings Deposits ----------- 37,235 69 
 
Silver, Nickels, Pennies_____ 2,027 41 Trust Funds on Deposit. ___ _ 
 
Advances on Cotton _________ --------- Cashier's Checks __________ _ 1,646 91 
 
Advances on other Commodi- 
 
Certified Checks ------~---- 
 
ties -------------------- __________ Bills Payable _____________ _ 120,000 00 
 
Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 3,054 22 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances ________ _ 
 
Overdrafts (if any) ________ 
 
11 80 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ___________ _ 
 
War Saving" Stamps ________ _ 
 
! 1R 00 
 
Total --------------------$775,209 83\ Total --------------------$775,209 83 
 
 326 
 
BANKI~G DEPARTMEJ:\T 
 
EXAMINER'S BEPOBT. 
 
WALKER COUNTY BANK, LA FAYETTE. 
 
At Close of Business October 6, 1920. 
 
President-W. C. Martin. Vice-President-J. E. Rosser. Cashier-C. C. Gilbert. 
Directors-W. C. Martin, J. E. Rosser, c. C. Gilbert, J. W. Holland, R. D. Love, 
J. A. Laughridge, 0. T. Simmons. 
 
Date of Charter-October 22, 1913. 
 
Began Business-November 1, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$124,864 11 Capital Stock Paid In-_- ____ $ 25,000 00 
Demand Loans ------------- 1,140 00 Amt. Reserved for Branches --------Loans Secured by Real Estate 28,222 58 Surplus Fund -------------- 4,800 00 United States Bonds ________ 10,000 00 Undivideil Profits ----------- 6,674 81 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- --------Banking House ____________ _________ Due to Banks in this State --------- 
 
Furniture and Fixtures_____ 12,991 66 Due to Banks in other States --------- 
 
Otller Real Estate Owned__ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------- 
 
--------398 00 
9,240 01 12,474 00 
 
Call Money ----------------- --------Individual Deposits Subject 
to Check ---------------- 105,293 93 Demand Certificates of Deposit --------Time Certificates of Deposit_ 47,801 00 
 
Gold ----------------------- 
 
117 50 Savings Deposits ---------- 16,687 45 
 
Silver, Nickels, Pennies______ 1,870 87 Trust Funds on Deposit_ ____ --------- 
 
Advances on Cotton_________ --------- Cashier's Checks ----------~ 
 
814 54 
 
Advances on other Commodi- 
 
Certified Checks ___________ --------- 
 
ties -------------------- ---------- 
 
Checks for Clearing House__ 
 
199 29 
 
Other Checks and Cash Items 5,553 08 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _________ Liability on Letters of Credit 
 
------------------------- 
 
ances -------------------- --------- and Acceptances --------- --------- 
 
Overdrafts (if any) ________ 
 
63 Reserve for Interest and Taxes ________ _ 
 
Other Assets --------------- --------- Other Liabilities ------------ --------- 
 
Total --------------------$207,071 73 Total --------------------$207,071 73 
 
BANK'S STATEMENT at Close of Business December 16, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$107,180 12 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ____________ 1,790 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 31,686 79 Surplus Fund -------------- 4,800 00 
 
United States Bonds ________ 10,000 00 Undivided Profits ---------- 6,561 25 
 
Other Stocks and Bonds_____ _________ Dividends Unpaid ---------- 
 
Banking House and Furniture 
 
Due to Banks in this State 
 
and Fixtures _____________ 12,991 66 Due to Banks in other States 
 
Other Real Estate Owned__ _________ Call Money ----------------- 
 
Due from Banks in this State 
 
17 61 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 78,813 39 
 
States ___________________ 4,488 01 Demand Certificates of Deposit 
 
Currency ___________________ 12,095 00 Time Certificates of DeposiL 45,640 08 
 
Gold ----------------------- 
 
117 50 Savings Deposits ----------- 16,285 96 
 
Silver, Nickels, Pennies_____ 1,902 59 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton __________________ Cashier's CheckR ----------- 1,100 67 
 
Advances on other Commodi- 
 
Certified CJ1ecks ----------- 
 
ties -------------------- __________ BillR Payable -------------- 10,000 00 
 
Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 5,931 71 CertificateR of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liabilitv on Letters of Credit 
 
ances --------------------- _________ and Acceptances --------- 
 
Overdrafts (if any) ________ 
 
36 neserve for Interest and TaxeR 
 
Other Assets__ __ 
 
_________ Other Linhilitics ------------ 
 
Total --------------------$188,201 35 Total ____________________ $188,201 3f> 
 
 FIRST A_"'NUAL REPORT 
 
327 
 
EXAMINER'S REPORT. 
 
BANK OF LaGRANGE, LaGRANGE. 
 
At Close of Business July 3, 1920. 
 
Prcsident-R. L. Render. Vice-President-L. D. Mitchell. Cashier-L. D. Mitchell. 
 
Directors-R. L. Render, L. F. Mitchell, Eulah M. Render, Howard P. Park, L. J. Render. 
 
Date of Charter-December 29, 1890. 
 
Began Business-December 29, 1890. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$123,728 31 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans _____________ 4,660 69 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
________ _ :J,661 9 l 
 
SUunrdpilvuids edFuPnrdofit-s--_-_-_-_-_-_-_-_-_--_ 
 
Other Stocks and Bonds ____ 1 o.~oo oo Dividends Unpaid _________ _ 
 
Banking House ------------ fi,H~5 r)o Due to Banks in this State 
 
2,908 08 165 00 
 
Furniture and Fixtures_____ 1,189 1 0 Due to Banks in other States 
 
Other Real Estate Owned__ ________ _ Call Money ________________ _ 
 
Due from Banks in this Stale <,697 72 Individual Deposits Sub,ied 
 
Due from Banks in other 
 
to Check _______________ _ 82,390 62 
 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_--_ Gold ______________________ _ Silver, Nickels, Pennies ____ _ Advances on Cotton_________ 
 
:?, 43-1 :>5 
~.490 ou 
1,090 00 fi20 3G 
________ _ 
 
Demand Certificates of Deposit Time Certificates of DeposiL Savings Deposits __________ _ Cashier's Checks __________ _ 
Certified Checks __________ _ 
 
25,852 94 898 79 
 
Advances on other Commodi- 
 
Bills Payable _____________ _ 5,000 00 
 
ties -------------------- ---------- Notes and Bills Rediscounted 
 
Checks for Clearing- House__ ________ _ Certificates of Deposit for 
 
Other Checks and Casl1 Items 
 
282 9~ Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances -------------------- ________ _ Reserve for Interest and Taxes 
 
Overd Other 
 
rafts Asse 
 
(i ts 
 
f _ 
 
an:>) _______ _ ______________ 
 
_ 
 
_ 
 
_ 
 
_1_5_~__16_ 
 
Other Liabilities: Reserve for Past Due 
 
Loans_ 
 
828 19 
 
Total --------------------$168,043 60 Total --------------------$168,043 60 
 
BANK'S STATE:\'llcNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$119,127 95 Capital Stock Paid In _______ $ 50,000 00 Demand Loans ____________ 8,288 11 Amount Reserved for Taxes 
 
Loans Secured by Real Estate United States Bonds _______ Other Stocks and Bonds ____ Banking House _________ ___ 
Furniture and Fixtures_____ 
 
10,099 53 4,050 00 9,996 94 9,935 50 
1,189 40 
 
and Estates -------------Surplus Fund ------------Undivided Profits ----------Dividends Unpaid ---------Due to Banks in this State 
 
881 21 
2,222 26 165 00 
 
Other Real Estate Owned ____ --------- Due to Banks in other States 
 
Due from Banks in this State DuSetatfersom___B__a_n_k_s___i_n___o_th__er_ Currency _________________ _ Gold _____________________ _ 
Silver, Nickels, PennieR ____ _ Advances on Cotton ________ _ 
 
4,481 38 
332 06 2,634 00 1,080 00 
987 27 4,812 00 
 
Call Money ----------------Individual Deposits Subject 
to Check ---------------DemandCertificates of Deposit Time Certificates of DepositSavings Deposits ---------Trust Funds on Deposit____ _ 
 
62,076 92 23,945 80 
 
Advances on other Commodi- 
 
Cashier's Checks ----------- 
 
665 62 
 
ties -------------------- ---------- Certified Checks ----------- 
 
Checks for Clearing House.~ 
 
156 00 Bills Payable -------------- 37,500 00 
 
Other Checks and Cash Items 
 
286 67 1\"otes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
OOtvheerrdrAasfstse,ts(if a_n_y_)__-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_- 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
Total _________ -----------$177,456 81 Total ____________________ $177,4G6 S1 
 
 r 
i 
328 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
LaGRANGE BANKING & TRUST COMPANY, LaGRANGE. 
 
At Close of Business November 16, 1920. 
 
President-J. E. Dunson. Vice-Presidents-A. H. Cary, \\, S. Dunson. 
 
Directors-J. 
 
E. 
 
Dunson, 
 
Cashier-Robt. Hutchinson. Jr., Robt. Hutchinson, A. H. Cary, 
 
w. 
 
S. 
 
Dunson, 
 
\Y. 
 
A. 
 
Speer, A. E. Thornton, H. W. Caldwell, W. E. Morgan, F. P. Longley, 
 
W. J. Albright, S. H. Dunson, J. A. Baugh, Jr. 
 
Date of Charter-December 11, 1871. 
 
Began Business-1871. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$3,345,508 2r 
 
Demand Loans -------------- 280,207 ~3 
 
Loans Secured by Real Estate 
 
United States Bonds _______ _ 3,916 00 
 
Other Stocks and Bonds _____ _ Banking House ----------- -- 
 
133,81HJ 53,400 
 
0o0o 
 
Furniture and Fixtures _____ _ 
 
Othe.r Real Estate Owned____ 33,469 60 
 
Due from Banks in this State 145,903 68 Due from Banks in other 
 
States ---------------------- 131,829 59 Cu"rency -------------------- 52,206 Of 
 
Gold ------------------------- 1,430 00 Silver, Nickels, Pennies _____ _ 16,903 84 Advances on Cotton _________ _ 
 
Advances on other Commodities ------------------------ __________ _ 
Checks for Clearing House __ _ 1.982 71 Other Checks and Cash 
 
Items ---------------------- 14,313 92 Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaen.cred.rsaft-s---(-if---a-n-y-)-_-_-_-_-_-_-_-_-_-_Other Assets _______________ _ 
 
----------1,275 09 
50,300 00 
 
Capital Stock Paid In ________ $ 250.000 00 
 
Undivided Profits ---~------- 152,6Tii 55 Amount Reserved for Branches 
 
Surplus Fund ---------------- 650,000 00 
 
Dividends Unpaid -----------Due to Banks in this State __ 
 
236 70 
 
Due to Banks in other States 
 
Call Money -----------------Individual Deposits Subject to 
 
Check ---------------------- 894,040 03 Demand Certificates of De- 
 
posit ----------------------- 83,540 17 Time Certificates of Deposit._ 469,913 69 
 
Savings Deposits ----------Trust Funds on Deposit_ ____ _ Cashier's Checks ___________ _ Certified Checks _____________ _ Bills Payable _______________ _ 
 
528,650 81 
4,285 OJ 810 00 
675,000 00 
 
:'-Jotes and Bills Rediscounteil 494,540 60 
 
Certificates of Deposit for Borrowed Money _________ _ 
 
Liability on Letters of Credit 
 
and Acceptances ----------- ----------Reserve for Interest and Taxes 12,563 7U Other LiabilitieH ____________ _ 50,000 00 
 
Total ----------------------$4.266.496 2 Total ----------------------$4,266,496 26 BANK'S E'TATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$2,591.852 82 Capital Stock Paid In ________ $ 250,000 00 
 
Demand Loans -------------- 247,875 50 Amount Reserved for Branches 
 
Loans Secured by Real Estate 772,100 10 Surplu.; Fund ---------------- 650,000 00 
 
United States Bonds__________ 51,400 00 Undivided Profits ------------ 155,575 40 
 
Furniture and Fixtures______ ----------- Dividends Unpaid ------------ 
 
Other Stocks and Bonds______ 120,400 O'P Due to Banks in this State __ 
 
31l 70 
 
Banking House -------------- 53,400 00 Due to Banks in other States 
 
Other Real Estate Owned____ 33,469 60 Individual Deposits Subject to 
 
Due from Banks in this State 136,776 72 Check --------------------- 786,641 93 
 
Due from Banks -in other 
 
Demand Certificates of De- 
 
States --------------------Currency -------------------- 
 
88,794 g~ 
11,200 or 
 
posit ----------------------Time Certificates of DepoRiL_ 
 
50,440 17 446,8'13 69 
 
Gold ------------------------Silver, Nickels, Pennies_____ _ 
 
1,277 50 Savings Deposits ------------ 516,220 94 10,527 95 Trust Funds on Deposit_ ____ _ 
 
Advances on Cotton__________ ----------- Cashier's Checks ------------ 12,567 79 
 
Checks for Clearing House __ Other Checks and Cash 
 
2,584 96 Certified Checl<s ------------Bills Payable ---------------- 
 
650,ooo on 
 
Items -------------- _______ _ 13,667 92 Notes and Bills Rediscounted 600,322 10 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
Ovaenrcdersaft-s---(-if---a-n-y-)-_-_-_-_-_-_-_-_-_--_ ----4-,0-0-4---90- 
 
Liability on Lette.rs of Credit and Acceptances ----------- 
 
Other Assets: 
 
Reserve for Interest and 
 
\Var Savings Stamps _______ _ Revenue Stamps -------------Stock in Federal Reserve Bank 
 
2,511r 00 
3oo or 
 
Taxes ---------------------- 
 
Other Liabilities: 
 
 
 
27,000 00 lT. S. Bonds Borrowed_______ _ 
 
6,530 20 50,000 00 
 
Total ----------------------$4,175,!~ 92 Total ----------------------$4,175,148 ~2 
 
 FIRST ANNUAL REPORT 
 
329 
 
EXAMINER'S B.EPOB.T. 
 
LaGRANGE SAVINGS BANK, LaGRANGE. 
 
At Close of Business November 4, 1920. 
 
President-Ely R. Callaway. Vice-Presidents-C. V. Truitt, H. D. Glanton. Cashier-L. H. Adams. 
 
Directors-Ely R. Callaway, C. V. Truitt, H. D. Glanton, Fuller E. Callaway, J. G. Truitt, S. H. Truitt, Hatton LovejoY. 
 
Date of Charter-December 13, 1906. 
 
Began Business-December 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------~4G9.~4t> 7? Demand Loans ________________ 105,179 90 
 
Loans Secured by Real Estate United States Bonds__________ 
 
--fi~2'q-;;;: 
 
Other Stocks and Bonds________ 183,556 63 
 
Banking House --------------- --------Furniture and Fixtures________ --------Other Real Estate Owned______ 34.!J(J7 2F Due from Banks in this SUlte 61Ui47 gr 
 
Due from Banks in other States GCoulrdren__c_y__-_-_-__-_-_-_-_-_-_------------------------- 
 
---2-6-1---on- 
275 00 
 
Silver, Nickels. Pennies_______ _ 
 
46 41 
 
Advances on Cotton________.__ __ --------- 
 
Advances on other Commodities -------------------------- 318 75 
---iosoF Checks for Clearing House ___ _ 
Other Checks and Cash Items Custome.rs' Liability on Letters 
 
of Credit and Acceptances__ --------Overdrafts (if any) __________ --------- 
 
Other Assets ------------------ --------- 
 
Total ________________________ $8o3.4"'  
 
Capital Stock Paid In __________$ 25,000 00 Amount Reserved for Branches 
 
SUJrplus Fund -----------------Undivided Profits -------------Dividends Unpaid ------------Due to Banks in this State___ _ Due to Banks in other States __ 
 
42,500 00 41,870 23 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ 25,699 00 Savings Deposits -------------- 619,165 44 Trust Funds on DeposiL ______ _ Cashier's Checks _____________ _ 
 
Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed ~oney ---------------Liability on Lette.rs of Credit 
and Acceptances ___________ _ 
 
95,950 00 
 
Rese.rve for Interest and Taxes 1,20(J \TO O'ther Liabilities _____________ _ 2,025 sa 
 
Total ------------------------$853.410 56 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ___________________ $422,332 8? 
 
Demand Loans ---------------- 84,807 74 Loans Secured by Real Estate ________ _ United States Bonds__________ 4,580 6!' Other Stocks and Bonds ________ 191,676 03 
 
Banking House" --------------- --------Furniture and Fixtures________ --------Other Real Estate Owned______ 34,007 2n Due from Banks in this State__ 30,009 74 Due from Banks in other States ________ _ 
 
Currency ---------------------- 964 00 
 
 Gold --------------------------- 302 50 
 
Silver, Nickels, Pennies________ 
 
41 42 
 
Advances on Cotton ____________________ _ 
 
Advances on othe.r Commodities ________ _ 
 
Checks for Clearing House____ 206 81 
 
Other Checl<s and Cash Items 100 37 Customers' Liahility on Letters 
of Credit and Acceptances__ ________ _ 
 
Overdrafts (if any) __________ --------- 
 
Other Assets: 
Acceptances ------------------- 90.000 nn 
War Savings Stamps__________ 1,68~ 00 
 
Capital Stock Paid In __________ $ 25,000 00 Amount Reserved for Branches ________ _ Surplus Fund ----------------- 42,500 00 Undivided Profits -------------- 24,400 32 Dividends Unpaid ------------- ________ _ Due to Banks in this State____ --------Due to Banks in other States__ ________ _ 
Call Money -------------------- ________ _ Inrlividual Deposits Subject to 
Check ----------------------- ________ _ Demand Certificates of Deposit ________ _ Time Certificates of Deposit___ 78,949 00 Savings Deposits -------------- 561,733 70 Trust Funds on DeposiL_______ ________ _ Cashier's Checks ______________________ _ 
Certified Checks -------------- ________ _ Bills Payable ------------------ 105,950 00 Notes and Bills Rediscounted__ ________ _ Certificates of Deposit for Bor- 
rowed ~onev ---------------- --------Liabi!itv on Lette.rs of Credit 
and Acceptances ____________ ----~---Reserve for Inte.rest and Taxes 1,0fl 44 Other Liabilities: Depreciation Account _________ 2,025 89 Unearned Interest ____________ 19,049 98 
 
Total ------------------------$860,711! 33 Total ------------------------$860,713 3:1 
 
 330 
 
BANKING DEPAR'.rMENT 
 
EXAMINER'S REPORT. 
 
LAKE PARK BANK, LAKE PARK. 
 
At Close of Business August 19, 1920. 
 
President-Ewell Brown. Vice-President-J. K. White. Cashier-E. \V. Mason. 
 
Directors-Ewell Brown, J. K. White, E. Brown, F. M. White, Robert Patterson. 
 
Date of Char-ter-Ja.nuary 22, 1906. 
 
Began Business-:\farch 6, 190G. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 50,846 51 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds_______ _ Other Stocks and Bonds____ _ Banking House ____________ _ 
 
1,071 70 3,494 11 2,000 00 
 
Amt. Reserved for- Branches --------Surplus Fund -------------- 4,500 00 Undivided Profits ----------- 1,751 73 Dividends Unpaid __________ --------Due to Banks in this State__ ________ _ 
 
Furniture and Fixtures____ _ Other Real Estate Owned ___ _ 
 
1,500 00 
 
Due to Banks in other States Call Money _________________ 
 
________ _ ________ _ 
 
Due from Banks in this State 7,231 33 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check _________________ 30,049 18 
 
States 
Currenc~ 
 
- -_-_-_ -_ -_ -_ _- _- _- _- _- _- _- _- _-_-_- -_ 
 
GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton ________ _ Advances on other Commodi- 
 
3,594 58 751 00 
540 00 117 10 
 
Demand Certificates of Deposit 
Time Certificates of DeposiL Savings Deposits __________ _ Cashier's Checks __________ _ Certified Checks _____________ Bills Payable ______________ 
 
________ _ 
5,044 00 14,759 27 _ _ _ _2_0_1 _ _30_ ________ _ 
 
Chteiecsks -f-o-r--C-l-e-a-r-in-g---H-o-u--se-_-_Other Checks and Cash Items 
 
Notes and Bills Rediscounted ________ _ CertificateR of Deposit for 150 00 Borrowed Money __________ ________ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances _________ ________ _ 
 
O vaenrcdersa f-t -s - -(-i f- -a-n-y-)- - -_-_-_-_-_ _- _- -_ 
 
Reserve for Interest and Taxes ________ _ 9 15 Other Liabilities ___________ ________ _ 
 
Other Assets --------------- 
 
Total --------------------$ 71,305 48 Total __________ ----------$ 71,305 48 
 
BANK'S' STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________$ 33,165 10 
 
Demand Loans ------------- 1,801 60 
 
Loans Secured by Real Estate 16,347 05 
 
United States Bonds _______ _ 3,422 89 
 
Other Stocks and Bonds____ _ 
 
Banking House ____________ _ 2,000 00 
 
Fur-niture and Fixtures____ _ 1,500 00 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State 1,827 12 
 
Due from Banks in other 
 
States ------------------- 1,431 15 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
723 00 fi55 00 :361 15 
 
.Advane<'s on Cotton_________ 
 
Advances on other Commodi- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -_ -_ _- _- _-_-_- -_ 
 
843 00 
_________ 48 
 
Other- Assets --------------- 
 
Capital Stock Paid In _______ $ 15,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Pr-ofits _________ _ Dividends Unpaid _________ _ 
 
4,500 00 780 73 
 
Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ----------------IntdoiviCdhueacl k D_e_p_o__s_it_s___S_u_b_j_e_c_t 26,529 96 
 
Demand Certificates of Deposit 
 
Time Certificates of DeposiL 4,544 00 Savings Deposits _________ _ 
 
Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks __________ _ 
 
122 85 
 
Certified Checks ___________ _ 
 
Bills Payable _____________ _ 12,500 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total ____________________ $ 63,977 54 Total ____________________ $ 63,977 54 
 
 FIRST ANNUAL REPORT 
 
331 
 
EXAMINER'S BEPOBT. 
 
BANK OF LAVONIA, LAVONIA. 
 
At Close of Business July 22. 1920. 
 
President~S. B. Yow. Vice-President-J. H. Burton. Cashier-G. H. Pruitt. 
 
Directors-S. B. Yow, .J. H. Burton, J. II. Pulliam, M. P. Sewell, Thos. G. Smitl1, E. R McMurray, Thos. B. Bonner, 0. D. Cannon, H. L. Mauldin. 
 
Date of Charte,r-1,8,98. 
 
Began Busiflless-July, 18!18. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$223,362 17 Capital Stock Paid In_______ $ 40,000 00 Demand Loans _____________ 8,825 06 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 5,765 09 Surplus Fund _____________ _ 10,000 00 
 
United States Bonds ________ 12,700 00 Undivided Profits _________ _ 21,83-2 80 Other Stocks and Bonds_____ ________ _ Dividends Unpaid _________ _ 
 
Banking House ___________ __ 2,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,685 00 Due to Banks in other States 
 
Other Real Estate Owned ___ _ Due from Bani{S in this State 
 
-3-0~168-88 
 
Call Money ----------------Individual Deposits Subject 
 
Due from Banks in other 
 
to Cl1eck --------~------ 100,370 27 
 
States ------------------- 6,479 63 Demand Certificates of Deposit 
 
Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s -_-_-__--_ Advances on Cotton________ _ 
 
5,393 00 Time Certificates of Deposit_ 41,335 70 52 50 Savings Deposits _________ _ 
867 73 Cashier's Checks __________ _ 1,802 13 Certified Checks ___________ _ 
 
Adtvieasnce_s__o_n__o_t_h_e_r__C__o_m_m__o_d_i_- 
 
_ _______ _ 
 
Bills Payable _____________ _ Notes and Bills Rediscounted 
 
80,000 00 
s,ooo 00 
 
Checks for Clearing House __ 1,492 69 Certificates of Deposit for 
 
Other Checks and Casll Items 
 
481 25 Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesof_. _C__re_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
Overdrafts (if Other Assets _ 
 
_a_n_:>_)______________________5_6_7__91_ 
 
Other 
 
Liabilities 
 
__________ _ 
 
Total ___________________ $300,340 90 [ Total ___________________ $300,340 90 
 
BANK'S STATEJMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LT ABILITIES 
 
Time Loans ----------------$179,080 47 Capital Stock Paid In_______ $ 40,000 00 Demand Loans _____________ 12,311 93 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 4,164 29 Surplus Fund -------------- 10,000 00 
 
United States Bonds ________ 12,700 00 Undivided Profits ---------- 20,244 06 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid __________ 
 
Banking House ------------ _________ Due to Banks in this State__ 
 
Furniture and Fixtures_____ 1,685 00 Due to Banks in other States Other Real Estate Owned____ 2,500 00 1 Call Money ----------------- 
 
Due from Banks in this State 11,889 56 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 52,300 74 
 
States ___________________ 1,648 66 Demand Certificates of Deposit 
 
Currency ------------------ 1,291 00 Time Certificates of Deposit_ 31,465 35 
 
Gold ----------------------- 
 
57 50 Savings Deposits ---------- 
 
Silver, Nickels, Pennies_____ 
 
494 06 Trust Funds on Deposit ____ _ 
 
Advances on Cotton_________ _ ________ Cashier's Checks __________ _ 
 
3,304 53 803 11 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
ties ---------------------- _________ Bills Payable _____________ _ 75,000 00 
 
Checks for Clearing House__ 1,685 31 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
390 00 Certificates of Deposit for 
 
Customers Liahilit:v on Let- 
 
Borro.red Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances ________ _ 
 
Overdrafts (if any) ________ 3,220 01 Reserve for Interest and Taxes Other Assets _______________ _________ Other Liabilities __________ _ 
 
Total --------------------$233,117 79 Total --------------------$233,117 79' 
 
 1:"- -- -~ r--,-, --1 
 
332 
 
BANKING DEPARTMENT 
 
EX.A:MINEB'S BEPOBT. 
 
BRAND BANKING COMPANY, LAWRENCEVILLE. 
 
At Close of Business September 1, 1920. 
 
President-L. M. Brand. Vice-President-W. H. Powell. Cashier-G. C. Montgomery. 
 
Directors-L. M. Brand, W. H. Powell, C. R. Ware, C. H. Brand, H. T. Pentecost. 
 
Date of Charte.r-June 2, 1905. 
 
Began Business-July 17, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$235,646 34 Capital Stock Paid In ______ -$ 50,000 00 
 
Demand Loans ------------ 105,031 67 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 26,343 46 Surplus Fund -------------- 50,000 00 
 
United States Bonds ________ 27,450 Oo Undivided Profits ---------- 27,041 96 
 
OB at hnekri nSgt oHc kosu saen d_ B_ _o_n_d_s___________ 
 
-_-_-_-_-_-_ -_ _- -_ 
 
Dividends Unpaid Due to Banks in 
 
---------this State 
 
Furniture and Fixtures_____ 2,400 00 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ----------------- 
 
Due from Banks in this State 43,883 98 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
33,015 05 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 238,087 32 
 
Currency -----------------GS iol vl de r ,- -N- -i-c -k-e-l s-,- -P- -e-n-n-i-e-s _- _-_-_- -_ 
 
3,631 00 Time Certificates of DeposiL 
 
142 50 Savings Deposits ---------- 158,505 45 
 
787 32 Cashier's Checks __________ _ 
 
37 84 
 
Advances on Cotton_________ Advances on other Commodi- 
 
--------- 
 
Certified Checks ----------Bills Payable -------------- 
 
-5-o~oo<(oo 
 
ties -------------------- ---------- "'otes and BiJls Rediscounted Checks for Clearing House__ 4,110 77 Certificates of Deposit for 
 
Other Checks and Cash Items 15,063 62 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -_-_-_-_-_-_-_-_ 
 
-_-_-_-_ _-_-_- -_- 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
3,875 54 
 
Other Assets _______________ 80,000 00 
 
Total --------------------$577,525 71 Total ____________________ $577,525 71 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$216,269 93 Capital Stock Paid In ______ -$ 50,000 00 
 
Demand Loans ------------- 114,508 63 Amt. Reserved for Branches Loans Secured by Real Estate 11,076 78 Surplus Fund -------------- 50,000 00 United States Bonds________ _________ Undivided Profits ---------- 24,088 80 
 
Other Stocks and Bonds_____ _________ Dividends Unpaid ---------- 
 
Banking House ------------ --------- Due to Banks in this State-Furniture and Fixtures_____ 2,400 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------Due from Banks in this State 100,213 54 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 214,619 90 
 
States ------------------- 7,208 41 Demand Certificates of Deposit 
 
Currency ------------------- 12,176 00 Time Certificates of Deposit_ 
 
Gold ----------------------- 
 
147 50 Savings Deposits ----------- 139,899 45 
 
Silve.r, Nickels, Pennies_____ 2,570 22 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ _________ Cashier's Checks ----------- 
 
643 26 
 
Advances on other Commodi- 
 
Certified Checks __________ _ 
 
ties -------------------- __________ Bills Payable _____________ _ 
 
Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 11,590 79 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ________ _ Overdrafts (if any) ________ 1,089 61 Reserve foriHterest and Taxes Other Assets _______________ _________ Other Liabilities __________ _ 
 
I Total --------------------$479,251 41 Total --------------------$479,251 41 
 
 FIRST ANNUAL REPORT 
 
333 
 
EXAMINEB.'S B.EPOB.T. 
 
BANK OF LEARY, LEARY. 
 
At Close of Business October 29, 1920. 
 
President-Harper Daniel. Vice-President-R. B. vVhitehead. 
 
Cashier-R. B. whitehead. 
 
Directors-Harper Daniel, R. B. Whitehead, G. W. Hammond, M. D. Addison, 
 
R. H. Bostick. 
 
Date of Charter-June 22, 1909. 
 
Began Business-June, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 58,418 88 Capital Stock Paid In _______ $ 15,000 00 Demand Loans ------------- 5,132 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Funa ------------- 
 
United States Bonds -------Other Stocks and Bonds_____ 
 
6,400 00 117 25 
 
UDnivdiidveinddeds UPrnopfaiitds -_-_-_-_-_-_-_-__--_ 
 
1,963 89 
 
Banking House ------------ 3,726 22 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 3,019 98 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------Due from Banks in this State 11,333 24 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 50,840 84 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-(-!-ln-n-i-e-s -__-_-_--_ Advances on Cotton _______ _ 
 
1,037 39 DemandCertificates of Deposit 5,081 00 Time Certificates of Deposit_ 
30 00 Savings Deposits ---------995 62 Trust Funds on Deposit_ ___ _ 7,021 03 Cashier's Checks __________ _ 
 
21,060 40 9,297 17 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
ties -------------------- _________ _ Bills Payable -------------- 10,000 00 
 
Checks for Clearing House__ 
 
721 18 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
181 16 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ -_ _- _- _-_-_- -_ 
 
- -4-, 1-0-7- - -96- 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
839 39 Other Liabilities __________ _ 
 
Total --------------------$108,162 30 Total --------------------$108,162 30 
 
BANK'S STATEMENT at Close of Business Decembe.r 15, 1920. 
 
RESOURCES 
 
I 
 
LIABILITIES 
 
Time Loans ---------------$ 59,150 67 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 5,047 53 Amt. Reserved for Branches Loans Secured by Real Estate _________ Surplus Fund ----- _______ _ 
 
United States Bonds ________ 6,400 00 Undivided Profits ---------- 1,834 25 
 
Other Stocks and Bonds_____ 
 
117 25 Dividends Unpaid ---------- 
 
Banking House ------------ 3, 726 22 Due to Banks in this State __ Furniture and Fixtures_____ 3,019 98 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ----------------- 
 
Due from Banks in this State 8,915 56 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 43,468 91 
 
States ------------------- 
 
182 89 Demand Certificates of Deposit 
 
Currency ------------------ 2,850 00 Time Certificates of Deposit_ 21,067 95 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
30 00 Savings Deposits ---------583 76 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton -------- 9,221 24 Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
719 22 
 
ties --------------------- 2,819 67 Bills Payable -------------- 20,000 00 Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------- 
 
Overdrafts (if any) ________ 
 
25 56 Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities __________ _ 
 
Total --------------------$102,090 33 Total --------------------$102,090 33 
 
 - 
 
334 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
BANK OF LEESBURG, LEESBURG. 
 
At Close of Business August 12, 1920. 
 
President-G. A. Nesbit. Vice-Presidents-!. "\V. Statham, J. W. Lyons. 
Cashier-T. C. Tharp. Directors-G. A. Neshit, I. W. Statham, T. C. Tha;rp, J. R. Lane, J. W. L~ons. 
 
Date of Charter-May 30, 1907. 
 
Began Business-July 9, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$188,649 44 Capital Stock Paid In_______$ 15,000 00 
 
Demand Loans ------------ 7,666 70 Amt. Reserved for Branches 
 
Loans Secured by Heal Estate 7,500 00 Surplus Fund -------------- 5,000 00 United States Bonds _________________ Undivided Profits ---------- 11,884 44 
 
Other Stocks and Bonds_____ 3,000 00 Dividends Unpaid ---------- 
 
Banking House ------------ 2,651 27 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 3,025 00 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ---------------- 71,000 00 
 
Due from Banks in this State 7, 709 50 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 46,485 33 
 
States ------------------- 4,618 99 Demand Certificates of Deposit 11,555 00 
 
Currency ------------------ 5,741 00 Time Certificates of DeposiL 39,180 05 
 
--------- Gold ----------------------- 
 
318 50 Savings Deposits ---------- 
 
Silver, Nickels, Pennies_____ 1,667 52 Cashier's Checks ----------- 
 
391 68 
 
Advances on Cotton_________ --------- Certified Checks ------------ 
 
24 75 
 
Advances on other Commodi- 
 
Bills Payable -------------- 30,000 00 
 
ties -------------------- ---------- Notes- and Bills Rediscounted 8,918 93 
 
Checks for Clearing House__ 
 
33 9 95 Certificates of Deposit for 
 
Other Checks and Cash Items 3,046 36 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances -------------------- --------- Reserve for Interest and Taxes Overdrafts (if any) -------- _________ Other Liabilities __________ _ 
 
Other Assets: 
 
Depositors' Guarantee Fund_ 3,5 05 95 
 
Total --------------------$239,440 18 Total --------------------$239,440 18 
 
BANK'S STATEMENT. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$161,658 76 Capital Stock Paid In_______$ 15,000 00 
 
Demand Loans ------------- 5,604 50 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 10,274 16 Surplus Fund -------------- 5,000 00 United States Bonds ________ --------- Undivided Profits ----------- 7,545 97 
 
Other Stocks and Bonds_____ 3,000 00 Dividends Unpaid ---------- 
 
Banking House ------------ 2,471 27 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 3,025 00 Due to Banks in other States Other Real Estate Owned____ ________ _ and Call Money ----------- 59,500 00 
 
Due from Banks in this State 11,653 31 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- - N- -i-c-k-e-l s-,- -P- e- n- -n-i e- s- -_ _-_-_- -_ Advances on Cotton________ _ 
 
to Check ---------------703 16 Demand Certificates of Deposit 4,916 00 Time Certificates of Deposit_ 332 50 Savings Deposits ---------2,241 95 Trust Funds on Deposit_ ___ _ 3,349 77 Cashier's Checks ----------- 
 
39,440 13 30,271 89 
988 05 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
ties -------------------- _________ _ Bills Payable -------------- 26,584 50 Checks for Clearing House__ --------- Notes and Bills Rediscounted 10,399 84 Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 14,500 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -_-_ -_ _- _-_-_-_- 
 
________________ __ 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities __________ _ 
 
Total --------------------$209,230 38 Total --------------------$209,230 38 
 
 \ 
 
FIRST ANNUAL REPORT 
 
335 
 
EXAMINER'S BEPOBT. 
 
BANK OF LENOX, LENOX. 
At Close of Business September 16, 1920. 
 
President-J. D. Robinson. Vice-President-M. J. L. Griner. Cashier-C. A. Sears. 
 
Directors-J. D. Robinson, M. J. L. Griner, J. W. Gray, W. R. Lindsey, C. A. Sears. 
 
Date of Charter-June 20, 1907. 
 
Began Business-June 25, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$140,093 64 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 
 
695 74 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
--------500 00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
2,000 00 6,820 31 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 1,200 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ----------------- 
 
Due from Banks in this State 10,349 76 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
7,491 98 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 63,644 64 
 
Currency ------------------ 2,386 00 Time Certificates of Deposit_ 52,490 96 
 
GSiollvder-, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-__-_--_ 
 
407 50 Savings Deposits ---------731 33 Cashier's Checks __________ _ 1,398 20 
 
Advances on Cotton ________ _ 10,975 84 Certified Checks ----------- 
 
Advances on other Commodi- 
 
Bills Payable --------------- 20,000 00 
 
ties -------------------- __________ Notes and Bills Rediscounted 
 
Checks for Clearing House__ 
 
232 11 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
225 00 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances -------------------- --------- Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- 
 
70 07 Other Liabilities ----------- 
 
4 86 
 
Other Assets --------------- _________ 
 
Total --------------------$176,358 97 Total --------------------$176,358 97 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES . 
 
Time Loans --------------T-$101,538 97 Capital Stock Paid In _______$ 30,000 00 
 
Demand Loans ------------- 2,500 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 2,000 00 
 
United States War Stamps__ 
 
500 00 Undivided Profits ---------- 5,692 74 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------Banking House ------------- 1,200 00. Due to Banks in this State~ Furniture and Fixtures_____ 1,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------Due from Banks In this State 10,577 11 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 49,278 12 
 
States ------------------- 3,089 10 Demand Certificates of Deposit 500 00 Currency ------------------ 3,796 00 Time Certificates of Deposit_ 34,187 31 
 
., 
 
Gold ----------------------- 
 
450 00 Savings Deposits ---------- 
 
Silver, Nickels, Pennies_____ 1,540 96 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ 5,436 27 Cashier's Checks ----------- 
 
406 68 
 
Advances on other Commodl- 
 
Certified Checks ------------ 
 
ties --------------------- --------- Bills Payable _____________ _ 5,000 00 
 
Checks for Clearing House__ 
 
404 00 Notes and Bills Rediscounted 
 
Other Checks and Cah Items _________ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 5,000 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances --------- 
 
Overdrafts (if any) ________ 
 
32 44 Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities __________ _ 
 
Total --------------------$132,064 85 
------------~~,---- 
 
Total --------------------$132,064 85 
 
 ''/ 
 
336 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S B.EPOB.T. 
 
BANK OF LESLIE, LESLIE. 
 
At Close of Business July 14, 192u. 
 
President-E. L. Wilson. Vice-President-E. B. Wallace. 
 
Cashier-W. T. Anderson. 
 
Directors-E. L. Wilson, E. B. Wallace, W. T. Anderson, J. J. wilson F. A. 
 
Wilson, G. T. Deriso, J. I. Kaylor, R. J. Sims. 
 
' 
 
Date of Charter-February 4, 1905. 
 
Began Business-February 4, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$128,807 22 Capital Stock Pa-id In__________ $ 25,000 00 
 
Demand Loans ---------------- 399 48 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 100,000 00 Surplus Fund ----------------- 10,000 00 
 
United States Bonds____________15,000 00 Undivided Profits ------------- 22,441 63 
 
Other Stocks and Bonds ______ --------- Dividends Unpaid ------------- ________ _ 
 
Banking House ---------------- 4,171 36 Due to Banks in this State____ --------Furniture and Fixtures________ 4,046 80 Due to Banks in other States__ --------- 
 
Other Real Estate Owned______ ________ _ Call Money -------------------- 55,000 00 
 
Due from Banks in this State __ 7,788 77 Individual Deposits Subject to 
 
Due from Banks in othe.r States 6,327 09 Check ----------------------- 147,408 15 
 
Currency ---------------------- 8,328 00 
 
Gold --------------------------- 182 50 Silver, Nickels. Pennies_______ _ 2,919 27 Advances on Cotton_____________________ 
 
Advances on other Commodities ________ _ Checks for Clearing House____ ________ _ 
 
Other Checks and Cash Items 
 
41 99 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ _ 
 
Overdrafts (if any) ___________ _ 
 
3 00 
 
Other Assets: Depositors' Guarantee Fund__ 3,464 50 
 
Mutual Fire Insurance Fund__ 120 00 
 
Demand Certificates of Deposit Time Certificates of DeposiL___ Savings Deposits -------------Cashier's Checks -------------Certified Checks ______________ 
Bills Payable -----------------Notes and Bills Rediscounted-Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Lette.rs of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
9,500 00 12,394 21 ________ _ 
845 99 ________ _ ________ _ ________ _ 
________ _ 
________ _ ________ _ 
10 00 
 
,' 
! 
 
Total --<----------------------$282,599 98 Total ------------------------$282,599 98 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$118,381 79 Capital Stock Paid In__________ $ 25,000 00 
 
Demand Loans ---------------- 33,204 17 Amount Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _________ 
 
88,762 18 --------- 
 
Surplus Fund ----------------Undivided Profits _____________ _ 
 
10,000 00 19,101 57 
 
Other Stocks and Bonds______ 1,000 00 Dividends Unpaid ____________ _ 
 
Banking House --------------Furniture and Fixtures________ 
 
4,171 36 4,046 80 
 
Due to Banks in this State___ _ Due to Banks in other States__ 
 
Other Real Estate Owned______ Due from Banks in this State__ Due from Banks in othe.r States 
 
1,800 00 2.529 93 3,668 5R 
 
Call Money -------------------- 33,000 00 InCflihveicdkual__D__e_p_o_s_i_t_s_. __S_u_b_j_e_c__t __to_ 116,988 61 Demand Certitlc'ates of Deposit 
 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies________ 
 
4,356 00 197 5P 
2,843 31 
 
(Borrowed Money) _________ _ Time Certificates of Deposit__ Savings Deposits _____________ _ 
 
9.500 00 12,053 :\7 
 
Advances on Cotton____________ Advances on othe.r Commodities Checks for Clearing House____ 
 
3,34,5 6~ ________ _ ________ _ 
 
Trust Funds on Deposit_ ______ _ Cashie.r's Checks _____________ _ Certified Checks _____________ _ 
 
705 60 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any)____________ 
 
53 08 
________ _ 12 32 
 
Bills Payable _________________ _ 
Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
32.000 00 13,608 00 
 
Other Assets: Deposito<rs' Guarantee Fund_, Mutual Fire Fund______________ 
 
rowed Money ---------------- 
 
3,464 f>o 120 00 
 
Liability on Letters of Credit and Acceptances ------------ 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$271,957 15 
 
Total ------------------------$271,957 15' 
 
 FIRST ANNUAL REPORT 
 
337 
 
EXA'MINEB.'S B.EPOB.T. 
 
BANK OF LEXINGTON, LEXINGTON. 
 
At Close of Business July 16. 1920. 
 
President-N. D. Arnold. Vice-President-A. A. Royle. Cashier-W. A. Child. 
 
Diiectors-N. D. Arnold, A. A. Royle, Chas. Crawford, F. C. Reid, M. S. Weaver, 
 
A. L. Clark, F. E. \Yatkins, "\V. T. Patton, J. A. Moore. 
 
Date of Charter-1896. 
 
Began Business-1896. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLd oLanosans---_-_-_-_-_-_--_-_-_-_-_-_-_-_-_$_110,950755 0900 
 
Capital Stock Paid In__________ $ 2ti,OOO 00 Amount Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds__________ 
 
24,729 43 1,600 00 
 
USunrdpilvuisdeFd uPnrdof-it-s---_-_-_-_-_-__-_-_-_-_-_--_ 
 
Other Stocks and BondR______ 3,700 00 Dividends Unpaid _____________ _ Banking House ________________ 2.343 20 Due to Banks in this State ___ _ Furniture and Fixtures________ ________ _ Due to Banks in other States __ Other Real Estate Owned ______________ _ Call Money -------------------Due from Banks in this State__ 5.463 10 Inilividual Deposits Subject to 
 
8,000 00 
 
Due from Banks in other States 1.7:r.l 98 Check -----------------------Currency ---------------------- 800 00 Demand Certificates of Deposit 
 
Gold --------------------------- 
 
55 00 Time Certificates of Deposit._ 37,768 85 
 
Silver, Nickels, Pennies _______ _ 15"2 27 Savings Deposits _____________ _ 
 
Advances on Cotton ____________________ _ Cashier's Checks _____________ _ 13\l 90 
 
Advances on other Commodities ________ _ Certified Checks _____________ _ 
 
Checks for Clearing House____ ________ _ Bills Payable _________________ _ 
 
Other Checks and Cash Items 
 
48 00 Notes and Bills Rediscounted __ 
 
Customers' Liability on Letters of Credit and Acceptances__ 
Overdrafts (if any)_ __________ _ Other Assets __________________ Call Money ____._______________ _ 
 
_________ _ 1,129 25 149 5F 
5,ooo on 
 
Certificates of Deposit for Borrowed Money ---------------- 
Liability on Lette.rs of Credit and Acceptances ___________ _ 
Reserve for Interest and ,.J.,axes 
 
Depositors' Guarantee Fund __ _ 3,464 50 Other Liabilities -------------Mutual Fire Insurance Fund__ 120 00 
 
I Total ------------------------~H61,969 1~ Total ------------------------$16],.,969 19 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$119.535 Fi Demand Loans ---------------- 15,000 00 Loans Secured by Real Estate 24.375 fiP lTnited States Bonds__________ 1,6ll0 00 Other Stocks and Bonds______ 3,7UO 00 
Banking House ---------------- 3,089 47 Furniture and Fixtures________ -------Other Real Estate Owned_____ _ Due from Banks in this State__ Due f-rom Banks in other States 
Currency ---------------------GSiollvder,--N--i-c-k-e-l-s-. --P-e-n-n-i-e-s-_-_-_-_-_-_-_-_- 
Advances on Cotton_----------- -------Aclvances on othe.r Commodities --------Checks for Clearing House____ --------Other Checks and Cash Items__ --------Customers' Liability on Letters 
-i4:sso69 of Credit and Acceptances__ 
Ove,rdrafts (if any)-----------Other Assets: Depositors' Guarantee Fund___ 3,464 50 Mutual Fire Fund______________ 120 00 
 
Capital Stock Paid In__________ $ 25,000 oo 
Amount Reserved for Branches Surplus Fund _________________ _ 10,000 00 TTnilivided Profits _____________ _ 2,4n5 31 Dividends Unpaid ------------ !>44 00 Due to Banks in this State ___ _ 
 
Due to Banks in other S-tates__ Call Money -------------------- 48,000 00 Inilividual Deposits Subject to 
Check ----------------------- 32,647 46 Demand Certificates of Deposit 'rime Certificates of Deposit_ ____ 36.666 fiO Savings Deposits _____________ _ 
 
'!'rust Funils on Deposit. ______ _ 1,026 8~ 
 
Cashier's Checks -------------Certified Checks _____________ _ 
 
43 16 
 
Bills Payable ------------------ 34,000 00 Notes ani! Bills Rediscounteil __ Certificates of Deposit for Bor- 
rowed Monev _______________ _ 
 
Liability on Letters of Credit and Acceptances ___________ _ 
 
Reserve for Interest and Taxes 2,500 00 
 
Othe-r Liabilities -------------- 
 
Total ------------------------$192,883 32 Total ------------------------$192,883 32 
 
 338 
 
BANKING DEPARTMENT 
 
,EXAMINER'S REPORT. 
 
OGLETHORPE. COUNTY BANK, LEXINGTON. 
 
At Close of Business August 30, 1920. 
 
President-Joel Cloud. Vice-President~G. A. Barron. Cashier--W. K. Howard. 
 
Directors-Joel Cloud, G. A. Barron, W. K. Rowand, 'V. H. Reynolds. G. C. Faust, 
 
R. F. Brooks, C. W. Howard, E. C. Maxwell. 
 
Date of Charter-May 5, 1905. 
 
Began Business-August, 190.o. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$205.078 90 Demand Loans ---------------- 45,065 7r Loans Secured by Real Estate 16,936 38 United States Bonds__________ 7,000 00 Other Stocks and Bonds______ --------Banking House -------------- 4,000 00 Furniture and F1ixtures________ 1,000 00 Other Real Estate Owned______ 13,000 00 Due from Banks in this State__ 4,628 92 Due from Banks in other States 7,3~ 5P 
Currency ---------------------- 1,684 00 Gold --------------------------- 2,05'1 32 Silver, Nickels, Pennies________ --------Advances on Cotton __________ --------- 
Advances on othe.r Commodities --------Checks for Clea,ring House____ 1,393 14 Other Checks and Cash Items 307 76 Custome.rs' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any)____________ 2,031 33 Other Assets ------------------ ________ _ 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 25,000 00 
 
Undivided Profits ------------- 14,465 ~? 
 
Dividends Unpaid ____________ 
 
57 80 
 
Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 143,511 2f> 
 
Demand Certificates of Deposit --------Time Certificates of Deposit__ 77,895 45 Savings Deposits ______________ --------Cashier's Checks ______________ 571 53 
 
Certified Checks -------------- ________ _ 
 
Bills Payable ------------------ 25,000 00 Notes and Bills Rediscounted-- ________ _ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ ________ _ Reserve for Interest and Taxes ________ _ 
 
Other Liabilities -------------- --------- 
 
951 Total ------------------------$311,501 
 
Total ------------------------$311,501 95 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$216,289 81 Demand Loans ________________ 48.583 31 
 
Loans Secured by Real Estate H>.3'89 4~ United States Bonds__________ 7,000 00 
 
Other Stocks. and Bonds______ 1.500 W Banking House ________________ 4,000 00 
 
Furniture and Fixtures________ 1,000 00 
 
Othe.r Real Estate Owned______ --------- 
 
Due from Banks in this State__ 5,937 48 
 
Due from Banks in other States 499 54 
 
Currency ---------------------- 2..600 or Gold --------------------------- ________ _ Silver, Nickels, Pennies________ 1,827 02 
 
Advances on Cotton ____________ --------Advances on other Commodities ________ _ 
 
Checks for Clearing House____ 1,090 12 
 
Other Checks and Cash Items 360 42 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------Overdrafts (if any)____________ 6,874 54 
 
Other Assets: Acceptances Bought _____ 
 
2,500 00 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches USlnlldrpivluids eFduPn.dro-fi-t-s--_-__-_-_-_-_-_-_-_-_-_-_-_- 
 
------25,000 
 
-on- 
 
7,798 98 
 
Dividends Unpaid ------------ 205 80 
 
Due to Banks in this State___ _ 1,'!H3 83 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- 10,000 00 Individual Deposits Subject to 
 
Check ----------------------- 104,961 56 Demand Certificates of Deposit --------Time Certificates of Deposit___ 58,771 98 Savings DeposHs ______________ --------Trust Funds on Deposit________ ________ _ 
 
Cashier's Checks -------------- 1,099 o2 Certified Checks ______________ 300 00 
 
Bills Payable ------------------ 75,000 00 Notes and Bills Rediscounted__ 6,000 00 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ____________ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$315,451 67 Total ------------------------$315,451 67 
 
 
 
 FIRST ANNUAL REPORT 
 
339 
 
EXAMINER'S REPORT. 
 
LILLY BANKING COMPANY, LILLY. 
 
At Close of Business November 17, 1920. 
 
President-J. A. Lilly, Vice-President-\V. T. Ricks. Cashier-Joe Morgan. 
 
Directors-J. A. Lilly, R. S. M. Lilly, \V. B. F. Lilly, W. A. Ingram, vV. C. Ingram, 
 
W. T. Ricks, Jno. 0. Teasley, Joe :VIorgan. 
 
Date of Charter-July 30, 1919. 
 
Began Business-August 1, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 24,985 30 
Demand Loans ---------------- 5,3/ffi 0 Loans Secured by Real Estate 8,000 00 
 
United States Bonds --------- 
 
Other Stocks and Bonds _____ _ 
 
Banking House --------------- 1,823 00 l<~urniture and Fixtures _______ _ 1,988 00 Othe.r Real Estate Owned_____ _ 
 
Due from Banks in this State.... 9,412 75 
 
Due from Banks in other States 539 51 
 
Currency ---------------------- 3,564 00 
 
Gold --------------------------- 
 
40 00 
 
Silver, Nickels, Pennies_______ _ 180 59 
 
Advances on Cotton ---------- 1,815 63 
 
Advances on othe.r Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 182 41 
 
Customers' Liability on Letters 
 
of Credit and Acceptances.... 
 
8'r~~~r:;:;:et~if-~-~~~============ 24 05 
 
Capital Stock Paid In__________ $ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits -------------Dividends Unpaid -----------Due to Banks in this State ___ _ 
 
680 72 
 
Due to Banks in other States.... 
 
Call 1\loney -------------------Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Depos-iL .. 
Savings Deposits -------------Trust Funds on Deposit_ ______ _ 
 
32,524 2~ 4,4ou . 
 
Cashier's Checks -------------Certified Checks _____________ _ 
 
184 78 
 
Dills Payable ------------------ 5,000 00 Notes and Bills Rediscounted .... Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------0 ..........$ 57,940 2 
 
Total ------------------------$ 57,940 2~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 35,675 68 
Demand Loans ---------------- 2,645 66 Loans Secured by Real Estate United States Bonds ________ _ 
 
Other Stocks and Bonds .. ____ _ 
 
Banking House ---------------- 1,823 00 Furniture and Fixtures ......~---- 2,125 50 
 
Other Real Estate Owned .......... .. Due from Banks in this State __ 5,074 82 
 
Due from Banks in other States 539 51 
 
Currency ---------------------GSiolvlde.r-, -N--i-c-k~e-l-s-, --P-e-n-n--ie--s-_-_-_-_-_-__--_ Advances on Cotton___________ _ 
 
1,956 00 45 00 
162 53 2,041 43 
 
Advances on other Commodities Checks for Clearing House___ _ 
 
Other Checks and Cash Items 751 28 
 
Custome.rs' Liability on Letters 
 
of Credit and Acceptances.... Overdrafts (if any) ___________ _ 
 
25 32 
 
Other Assets ------------------ 
 
Capital Stock Paid In.................... $ 115,000 00 
 
Amount Reserved for Branches --------Surplus Fund _________ ________ --------- 
 
Undivided Profits ------------ 959 49 
 
Dividends Unpaid ------------ --------- 
 
Due to Banks in this State........ --------Due to Banks in other States.... --------Call Money -------------------- ________ _ 
 
Individual Deposits Subject to 
 
Check ----------------------- 27,419 32 Demand Certificates of Deposit --------Time Certificates of DeposiL.. 4,395 50 
 
Savings Deposits -------------- --------Trust Funds on Deposit_ _______ --------- 
 
Cashie.r's Checks -------------- 
 
91 42 
 
Certified Checks -------------- --------Bills Payable ------------------ --------Notes and Bills Rediscounted.... ________ _ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- 5,000 00 Liability on Letters of Credit 
 
and Acceptances ........................ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$ 52,865 73 Total ------------------------$ 52,865 73 
 
 340 
 
BANKING DEPARTMEN'l.' 
 
EXAMINER'S REPORT. 
 
BANK OF LINCOLNTON, LINCOLNTON. 
 
At Close of Business September 14, 1920. 
 
President-;Benj. Fonston. Vice-President-:A. IV. Burch. , Cashier-B. R. Calley. 
 
Directru-s-B. R. Calley, J. E. Deason, J. M. Ivey, J. A. Hardy, B. H. Dunaway, 
 
A. B. Sims, J. Mercer Hogan. 
 
Date of Charte.--April 22, 1905. 
 
Began Bus.iness-April 3, 1905. 
 
RESOURCES 
 
LIABII.;ITIES 
 
Time Loans ----------------$171,005 63 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ------------- 3,086 00 Amt. Reserved for Branches Loans Secured by Real Estate 14,643 47 Surplus Fund ___________ -- 
 
United States Bonds ------- 11,590 63 Undivided Profits ---------Other Stocks and Bonds_____ _________ Dividends Unpaid ---------Banking House --------~---- 1,244 07 Due to Banks in this State-- 
 
9,560 7 6 64 00 
 
Furniture and Fixtures_____ 2,548 41 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
150 00 Call Money ----------------- 
 
Due from Banks in this State 2,199 76 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 64,203 70 
 
States ------------------- 11,066 31 Demand Certificates of Deposit 
 
Curreney ------------------ 1,865 Ou Time Certificates of DeposiL 56,700 80 
 
Gold ----------------------- 
 
60 00 Savings Deposits _________ _ 
 
Silver, Nickels, Pennies_____ 1,219 70 Trust Funds on Deposit_ ___ _ Advances on Cotton_________ _________ Cashier's Checks __________ _ 1,184 08 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- ----~---- Bills Payable -------------- 
 
Checks for Clearing House__ 
 
349 03 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
271 97 Certificates of Deposit for 
 
35,000 00 29,796 80 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances _________ _ 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets: Cash Short ----------------Collection Account --------- 
 
Other Liabilities ----------29 41 182 75 
 
Total --------------------$221,510 14 Total --------------------$221,510 14 
 
BANK'S STATEMENT at Close of Business December 15. 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$110,992 24 
 
Demand Loans ------------- 
 
500 00 
 
Loans Secured by Real Estate 22,393 93 
 
United States Bonds _______ 5,257 19 
 
Other Stocks and Bonds_____ ________ _ 
 
Banking House _____________ 1,244 07 
 
Furniture and Fixtures_____ 2,548 41 
 
Other Real Estate Owned____ 
 
150 00 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
7,240 54 5,876 06 5,195 00 
30 00 733 51 
 
Advances on Cotton -------- !l,725 57 Advances on other Commodi- 
 
Chteiecks s--f-o-r--C-l-e-a-r-in-g---H-o-u-s-e-_-_- 
 
508 40 _ _______ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
2,319 99 
 
ances -------------------- --------Overdrafts (if any) -------- --------Other Assets _______________ 1,332 75 
 
Capital Stock Paid In _______ $ 25,000 00 ASumrtp.luRs esFeurvnedd _fo__r__B_r_a_n_c__h_es_ 
 
Undivided Profits ----------Dividends Unpaid ----------Due to Banks in this State__ 
Due to Banks in other States 
 
8,712 96 16 00 
 
Call Money ----------------Individual Deposits Subject 
to Check ----------------Demand Certificates of Deposit Time Certificates of Deposit_ Savings Deposits _________ _ Trust Funds on Deposit_ ___ _ 
 
52,484 30 44,239 86 
 
Cashier's Checks ----------- 
Certified Checks -----------Bills Payable --------------Notes and Bills Rediscounted 
Certificates of Deposit for Borrowed Money ________ _ 
 
4,387 88 
25,500 00 11,706 66 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$172,047 66 Total --------------------$172,047 66 
 
 FIRST ANNUAL REPORT 
 
341 
 
EXAMINEB.'S B.EPOB.T. 
 
FARMERS STATE BANK, LINCOLNTON. 
 
At Close of Business September 21, 1920. 
 
President-Jas. H. Boykin. Vice-Presidents-W. B. Crawford, T. J. Leverett. 
 
Cashier-H. B. Pitt. 
 
Directors-B. S ..Florence, E. N. Gunby, \\". M. Smalley, W. A. Drinkard, L. H. Ward, Jas. H. Boykin, \Y. B. Crawford, T. J. Leverett. 
 
Date of Charter-1911. 
 
Began Business-December 2, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$287,527 82 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 
 
185 40 Am t. Reserved for Branches 
 
Loans Secured by Real Estate 17,590 00 Surplus Fund -------------- 10,000 00 
 
United States Bonds ------- 9,540 00 Undivided Profits ----------- 17,5fi8 57 
 
OBathnekrinSgtoHckosusaend__B_o_n_d_s___________ 
 
- -2-, 4-2-5- - -00- 
 
Dividends Unpaid ----------Due to Banks in this State__ 
 
24 00 
 
Furniture and Fixtures_____ 1,380 00 Due to Banks in other States 
 
Other Real Estate Owned____ 1,070 00 Call Money ----------------- 
 
Due from Banks in this State 27,582 24 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
4,147 96 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 131,250 17 
 
Currency -----------------GSiolvlder-, --N-i-c~k-e-ls-,--P--e-n-n-i-e-s-_-_-_-_-_ 
 
2,804 00 Time Certificates of Deposit_ 100,202 01 685 00 Savmgs Deposits ---------832 93 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _______ _ 7,866 02 Cashier's Checks __________ _ 
 
192 42 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- ________ _ Bills Payable -------------- 70,000 00 
 
Checks for Clearing House __ 3, 708 29 Notes and Bills Rediscounted 17,204 99 
 
Other Checks and Cash Items 
 
87 50 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Acceptances -------------------Overdrafts (if any) -------- 
 
----------------- 
 
Liability on Letters of Credit and Acceptances _________ _ 
Reserve for Interest and Taxes 
 
Other Assets --------------- 4,000 00 Other Liabilities ----------- 
 
Total --------------------$371,432 16 Total --------------------$371,432 16 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnsoa-n-s---_-_--- -_-_-_-_-_-_--_$__22_0_,_9_8_1___83_ 
 
Capital Stock Paid In ______ -$ Amt. Reserved for Branches 
 
25,000 
 
00 
 
Loans Secured by Real Estate United States Bonds ------- 
 
________ _ 9,540 00 
 
US unrdpi vl ui ds e dF uPnrdo f i-t-s- _- _-_-_-_-_-_-_-_-_- -_ 
 
10,000 00 16,790 07 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ----------- 
 
24 00 
 
Banking House ____________ 2,425 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,425 00 Due to Banks in other States 
 
Other Real Estate Owned____ 1,070 00 Call Money ----------------- 
 
Due from Banks in this State 15,493 00 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
5,448 02 6,143 00 
730 00 709 88 
 
DteomCahnedcCker-t-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 100,413 46 Time Certificates of Deposit_ 79,057 60 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _______ _ 16,069 58 Cash,ier's Checks ----------- 
 
485 44 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f-o-r - -C-l-e-a-r-i n- -g- -H-o-u- -s e- -__- 
 
1,352 11 Bills Payable -------------- 41,400 00 728 25 Notes and Bills Rediscounted 16,990 17 
 
Other Checks and Cash Items 3,513 61 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ -_ _- _-_-_-_- -_ 
 
________ _ 530 96 
 
and Acceptances _________ _ Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities __________ _ 
 
Special Deposits ------------ 4,000 00 
 
Total --------------------$290,160 74 Total ____________________$290,160 74 
 
 342 
 
BANKJ;NG DEPARTMENT 
 
EXA'MINEB.'S BEPORT. 
 
LITHONIA BANKING COMPANY, LITHONIA. 
 
At Close of Business July 10, 1920. 
 
President-'iV. M. Johnson. Vice-Presidents-C. J. Tucker, J. K. Davidson. 
 
Cashier-A. B. Coffee. 
 
Directors-B .S. FlorencE>, E". N. Gunby, W. M. Smalley, W. A. Drinkard, L. H. 
 
Tribble, H. D. Wesley, J. H. Patterson, A. B. Coffee, P. K. Phillips, A. N. Howard. 
 
Date of Charter-November, 1903. 
 
Began Business-November, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$110,039 23 Capital Stock Paid In_______ $ 25,000 00 
 
Demand Loans ------------- 15,433 59 Amt. Heserved for Branches 
 
Loans Secured by Real Estate 45,000 00 Surplus Fund -------------United States Bonds ________ 23,3-50 00 Undivided Profits ----------- 15,433 59 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 3,425 40 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 2,437 28 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------- 
 
Due from Banks in this State 16,292 48 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
to Check ----------------- 106,466 67 824 36 DemandCertificates of Deposit 2,034 00 Time Certificates of Deposit_ 71,143 33 
 
GSiollvder-, --N-i-c-k-e-ls-,--P-e--n-n-i-e-s-__-_-_--_ 
 
690 00 Savings Deposits ----------309 3U Cashier's Checks ----------- 
 
Advances on Cotton_________ ________ _ Certified Checks ___________ _ 
 
264 30 
 
Advances on other Commodi- 
 
Bills Payable _____________ _ 
 
ties --------------------- --------- Notes and Bills Rediscounted 10,000 00 
 
Checks for Clearing House __ 
 
22 75 Certificates of Deposit for 
 
Other Checks and Cash Items 6,330 87 Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y- )- - -_-_-_-_ -_ _- _- -_ 
 
- -2-,-2 0- 1- - -1-9 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
128 13 
 
Other Assets: 
 
Cash Short ---------------- 
 
7 80 
 
Loans --------------------- 
 
27 77 
 
Total --------------------$228,436 02 Total --------------------$228,436 02 
 
BANK'S STATEME'NT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$129,213 33 Capital Stock Paid In _______ $ 25,000 00 Demand Loans ------------- 6,500 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 12,000 00 Surplus Fund -------------- 
 
United States Bonds ________ Banking House ------------Furniture and Fixtures_____ 
 
3,500 00 Undivided Profits ---------- 13,966 23 3,425 40 Dividends Unpaid _________ _ 2,437 28 Due to Banks in this State __ 
 
Other Real Estate Owned____ --------- Due to Banks in other States 
 
Due from Banks in this State 2,432 67 Call Money ----------------- 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
Individual Deposits Subject 
 
857 42 to Check ---------------- 
 
6,430 00 Demand Certificates of Deposit 
 
797 466 
 
00 96 
 
Time Certificates of Deposit_ Savings Deposits __________ _ 
 
75,310 73 58,922 81 
 
Advances on Cotton _______ _ 10,752 01 Trust Funds on Deposit_ ___ _ 
 
Advances on other Commodi- 
 
Cashier's Checks __________ _ 
 
802 30 
 
ties --------------------- --------- Certified Checks -----------Checks for Clearing House __ l ,286 00 Bills Payable -------------- 6,500 00 
 
Other Checks and Cash Items 
 
254 00 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ances ____ - _- ______ -- ___ ----- __ ---- Liability on Letters of Credit 
 
Overdrafts (if any) ________ --------- and Acceptances ---------- 
 
Other Assets: 25 per cent payment on six 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
shares stock Federal Inter- 
 
- - - - national Bank Co. --------- 
 
150 00 
 
Total --------------------$180,502 07 Total --------------------$180,502 07 
 
 FIRST ANNUAL REPORT 
 
343 
 
EXAMINER'S BEPOBT. 
 
PEOPLES BANK, LITHONIA. 
 
At Close of Business July 14, 1920. 
 
President-A. J. Almand. Vice-Presidents-W. R. Watson, M. C. Moore. 
 
Cashier-J. M. Starr. 
 
Directors-A. J. Almand, W. R. Watson, M. C. Moore, I. M. Starr, D. B. Boyd, 
 
J. S. Chupp, C. J. Tucker, H. M. Rogers, C. A. Rankin, A. G. Wilson, L. T. Y. Nash. 
 
Date of Charter-August 26, 1910. 
 
Began Business-August 26, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnos a-n-s---_-_--_-_-_-_-_-_-_--_$__12_1_,_4_0_8___56_ 
 
Capital Stock Paid In_______ $ Amt. Reserved for Branches 
 
25,000 
 
00 
 
Loans Secured by Real Estate _________ Surplus Fund -------------- 
 
United States Bonds ________ OBathnekrinSgtoHcokus saen_d__B_o_n_d_s___________ 
 
25,136 95 --------- 
7,500 00 
 
UDnivdiidveinddeds PUrnopfiatisd --_-_-_-__-_-_-_-_--_ Due to Banks in this State __ 
 
5,000 00 12,534 80 
 
Furniture and Fixtures ____ _ 2,100 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------- 
 
Due from Banks in this State 16,361 50 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 103,916 00 
 
States ------------------- 4,190 91 Demand Certificates of Deposit 
 
Currency ------------------ 4,119 00 Time Certificates of DeposiL 35,644 70 
 
Gold ----------------------- 
 
58 00 Savings Deposits ----------- 
 
Silver, I\ickels, Pennies ____ _ Advanc~s on Cotton_________ 
 
742 79 ________ _ 
 
Cashier's Checks ----------Certified Checks ------------ 
 
205 54 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
--------529 20 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 1,371 19 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_pt-__________ _ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Overdrafts (if any) ________ ________ _ Other Liabilities ------------ 
 
1,217 06 
 
Other Assets --------------- --------- 
 
Total --------------------$183,518 10 Total --------------------$183,518 10 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$119,070 45 Capital Stock Paid In _______ $ 25.000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches Loans Secured by Real Estate 20,000 00 Surplus Fund -------------- 5,000 00 
 
United States Bonds ________ 5,507 33 Undivided Profits ----------- 12,406 64 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 7,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures _____ 2,100 00 Due to Banks in other States Other Real Estate Owned____ _________ Call Money ----------------Due from Banks in this State 1,678 93 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
2,965 98 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 5,385 00 Time Certificates of Deposit_ 
80 00 Savings Deposits ----------1,423 68 Trust Funds on Deposit_ ___ _ 
 
48,019 74 36,813 70 
 
Advances on Cotton _______ _ 1,541 03 Cashier's Checks __________ _ 
 
12 32 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- --------- Bills Payable -------------- 30,000 00 Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- 
 
and Acceptances _________ _ 
 
OO tvheerrd rAa fstsse t s( i f_ _a_n_y_)_ _-_-_ -_ -_ -_ _- _- -_ 
 
Reserve for Interest and Taxes 10,000 00 Other Liabilities ----------- 
 
Total --------------------$157,252 40 Total --------------------$157,252 40 
 
 1'", I 
 
344 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
BANK OF LOCUST GROVE., LOCUST GROVE. 
 
At Close of Business October 5, 1920. 
 
President-F. S. Etheridge. Vice-President-A. G. Combs. Cashier-C. P. Plexico. 
 
Directors-F. S. Etheridge, A. G. Combs, L. ,V. Pullin, A. H. Price, W. J. Smith, 
W. A. Smith, S. B. K:imbell, E. L. Drewry, C. V. Williams. 
 
Date of Charter-August 25, 1902. 
 
Began Business-August 25, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$179,890 35 Capital Stock Paid In_______ $ 25,000 00 Demand Loans ------------- 3,324 81 Amt. Reserved for Branches 
 
Loans Secured by .Real Estate United States Bonds________ 
 
----------------- 
 
USunrdpivluidseFd uPndrof-i-ts---_-__-_-_-_-_-_-_--_ 
 
Other Stocks and Bonds_____ _________ Dividends Unpaid _________ _ 
 
5,000 00 27,033 85 
 
Banking House ------------- 4,819 23 Due to Banks in this State __ Furniture and Fixtures_____ 1,944 46 Due to Banks in other States Other Real Estate Owned____ . ________ _ Call Money ----------------Due from Banks in this State 7,654 56 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 97,253 21 
 
States ------------------- _________ DemandCertificates of Deposit 
 
Currency -----------------Gold, Silver, Nickels and Pen- 
 
1,480 Oo 
 
Time Certificates of Deposit_ Savings Deposits __________ _ 
 
23,222 95 
 
{ 
 
nies --------------------- 
 
273 11 Cashier's Checks __________ _ 
 
286 54 
 
Advances on Cotton ________ 6,181 64 Certified Checks ___________ _ 
 
Advances on other Commodi- 
 
Bills Payable _____________ _ 30,000 00 
 
I' 
 
ties --------------------- --------- Notes and Bills Rediscounted Checks for Cleating House__ 1,108 25 Certificates of Deposit for Other Checks and Cash Items 1,115 14 Borrowed Money ________ _ 
 
\ 
I 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances _________ _ 
 
O vaenrcdersa f-t -s - -( -I f- -a-n-y- )- - -_-_-_-_-_-_-_ -_ 
 
- - - - - -5- -0-0 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Other Assets _______________ ________ _ 
 
f ( 
 
I 
 
Total --------------------$207,796 55 Total ____________________ $207,796 55 
 
f 
 
' 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $124,6R5 57 Capital Stock Paid In_______ $ 25,000 00 
 
Demand Loans _____________ 1,675 00 Amt. Reserved for Branches Loans Secured bv Real Estate 3,700 00 Surplus Fund _____________ _ 5,000 00 United States B"onds________ --------- Undivided Profits __________ _ 26,074 98 Other Stocks and Bonds_____ ________ _ Dividends Unpaid _________ _ 
 
Banking House _____________ 4,R19 23 Due to Banks in this State __ 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
1,944 46 ________ _ 
 
CDaulel MtoonBeaynk_s__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in this State 19,263 62 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 58,857 96 
 
States ------------------- ________ _ DemandCertificates of Deposit 
 
Currency -----------------Gold ----------------------- 
 
1,392 00 ________ _ 
 
Time Certificates of DeposiL Savings Denosits __________ _ 
 
17,105 12 
 
Silver, Nickels, Pennies_____ 
 
20R 00 'T'rust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ 4,742 87 Cashier's Checks ___________ _ 1,025 41 
 
Advances on other Commodities --------------------- 
 
________ _ 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
40,00'<1 00 
 
!:hecks for Clearing Honse__ ________ _ NotN< and Bills Rediscounted 
 
Other Checks and Cash Items 
 
627 72 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - _- _- _- _-_-_-_-_- 
 
- - - - - -5 - -00- 
 
Liability on Letters of Credit and Acceptances _________ _ 
Reserve for Interest and Taxes 
 
Other Assets _______________ _________ Other Liabilities ___________ 
 
Total ____________________ $173,063 47 Total ____________________ $173,063 47 
 
 FIRST ANNUAL REPORT 
 
.345 
 
EXA'MINER'S REPORT. 
 
CITIZENS BANK, LOCUST GROVE. 
 
At Close of Business September 13, 1920. 
 
President-J. L. Gardner. Vice-President-\\'. I. Parr. Cashier-A. J. Thomason, Jr. 
 
Directors-J. L. Gardner, W. I. Parr, J. A. Combs, A. G. Combs, G. 0. Combs, 
 
T. J. \Villiams, R. H. Brown, G. B. Childs, L. 0. Benton. 
 
Date of Charter-September 5, 1910. 
 
Began Business-September, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $] 04,450 86 Capital Stock Paid In _______$ 29,400 00 
 
Demand Loans ------------Loans Secured by .Real Estate United States Bonds________ 
Other Stocks and Bonds_____ Banking House _____________ 
 
5,521 66 ________ _ ________ _ ________ _ 
2, 700 00 
 
Amt. Reserved for Branches Surplus Fund _____________ _ Undivided Profits _________ _ Dividends Unpaid _________ _ 
Due to Banks in this State __ 
 
6,000 00 5,263 87 
19 20 
 
Furniture and Fixtures_____ 1,525 00 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ----------------- 
 
Due from Banks in this State 1,769 76 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton_________ Advances on other Commodi- 
 
1,979 45 998 00 
52 50 
1 64 2 4 ________ _ 
 
to Check ----------------DemandCertificates of Deposit Time Certificates of Deposit_ Savings Deposits __________ _ Cashier's Checks __________ _ Certified Checks ___________ _ 
Bills Payable -------------- 
 
57,739 65 17,569 14 
272 57 
-2-5~ooo-oo 
 
ties --------------------- ________ _ Notes and Bills Rediscounted 
 
Checks for Clearing House __ 
 
826 45 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
319 55 Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances _________ _ 
 
ances -------------------OOtvheerrdrAasftssets(if__a_n_y_)___-_-_-_-_-_-_-_- 
 
--------_2_1_,_5_5_6__96_ 
 
Reserve for Intere;;t and Taxes Otl1er Liabilities __________ _ 
 
600 00 
 
Total --------------------$141,864 43 Total --------------------$141,864 43 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 97,167 76 Capital Stock Paid In _______ $ 29,400 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
2,611 66 Amt. Reserved for Branches 21,430 00 Surplus Fund _____________ _ 
 
6,000 00 
 
United States Bonds_______ _ 
 
Undivided Profits ---------- 5,970 82 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid ---------- 
 
Banking House ____________ _ 2,700 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ 1,525 00 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 
 
Call Money ----------------- 
 
Due from Banks in this State 8,137 20 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 41,168 83 
 
States ------------------- 6,472 36 Demand Certificates of Deposit 
 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies ____ _ 
 
965 00 Time Certificates of Deposit_ 11,884 89 52 50 Savings Deposits __________ _ 
533 19 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _______ _ 10,8 69 93 Cashier's Checks __________ _ 
 
153 37 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
ties --------------------- 
 
Bills Payable _____________ _ 60,000 00 
 
Checks for Clearing House __ 2,667 72 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
45 59 Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -_-_-_-_ _-_-_- -_ 
 
and Acceptances _________ _ Reserve for Interest and Taxes 
 
Other Assets ______________ _ 
 
Other Liabilities: 
 
Stock Dividend ___________ _ 
 
600 00 
 
Total --------------------$155,177 91 Total --------------------$155,177 91 
 
 346 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
FARMERS & MERCHANTS BANK, LOGANVILLE. 
 
At Close of Business September 23, 1920. 
 
President~L. 0. Benton. Vice-President-D. Y. Hodges. Cashier-W. S. McKibben. 
 
Directors-L. 0. Benton, D. Y. Hodges, G. W. Blanchett, "\V. ,s. Carter, C. J. Kil- 
 
gore, W. H. Braswell, G. W. Dunbar, C. S. Floyd, J. B. Curley, R. B. Tuck. 
 
Date of Charter-April 11, 1906. 
 
Began Business-1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$175,547 54 Demand Loans ---------------- 4,41'>8 40 
 
Loans Secured by Real Estate 30,000 00 United States Bonds__________ 7,500 00 
 
Other Stocks and Bonds______ -------- 
 
Banking House ---------------- 3, 700 {JfJ Furniture and Fixtures________ :!,65) 00 
 
Other Real Estate Owned______ --------Due from Banks in this Stat>e __ 5.468 88 Due from Banks in other Scates 2,028 j2 
 
Cu11rency ---------------- __ -- .. 1,694 ~0 
 
GSiollvder-, -N--i-c-k-e-l-s-, --P-e-n-n--ie-s--__-__-_-_-___-_ 
 
145 00 lft6 62 
 
Advances on Cotton____________ --------- 
 
Advances on othe,r Commodities --------- 
 
Checks for Clearing Hous3 ... _ 
 
3~U 48 
 
Other Checks and Cash Itemd Custome.rs' Liability on Letters 
 
167 53 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ___________ _ 
 
75 17 
 
Other Assets: 
 
Transit ------------------- ___ __ 2,203 ;s 
 
Cash Short -------------------- 
 
93 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 10,000 00 Undivided Profits ---------- _.. 3,838 26  
 
Dividends Unpaid ------------ --------Due to Banks in this State____ --------Due to Banks in other States__ --------- 
 
Call Money -------------------Individual Deposits Subject to 
Check ---------~------- _ _ __ Demand Certificates of Deposit Time Certificates of Depus.t__ 
 
--------- 
58,422 14 --------78,9oS 46 
 
Savings DeposHs -------------- --------Trust Funds on Deposit._______ --------Cashier's Che<?ks ____ -------. _ 538 29 
 
Certified Checks -------------- --------- 
 
Bills Payable --------. ___ 
 
Gt',COO 00 
 
Notes and Bills Rediscounted __ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------- 
 
Liability on Letters of Credit 
 
and Acceptances ------~----- --------- 
 
Reserve for Interest and Taxes ________ _ 
 
Other Liabil'_t;.,s _______ .. _ 
 
l2 CO 
 
Total ------------------------$236,766 15 Total ------------------------$236,766 15 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s---_-_-_-_-_-_-_--_-_-_-_-_-_-_-_$_138,251498 2407 
 
Loans Secured by Real EstatE' 26,037 12 United States Bonds__________ 7,500 00 
 
Other Stocks and Bonds______ --------- 
 
Banking House ---------------- 3,700 00 Furniture and Fixtures_________ 2,65\l 00 Other Real Estate Owned______ ________ _ 
 
Due from Banks in this State __ Due f,rom Banks in other States Currency ---------------------GSiollvder,--N--i-c-k-e-l-s-, -P--e-n-n--ie-s--_-__-_-_._._- _ Advances on Cotton _________ _ 
Advances on other Commodities Checks for Clearing House ___ _ 
 
4,122 81 1,245 62 
156 0( 
205 00 31 99 2,582 10 
1,071 37 
436 7C 
 
Other Checks and Cash Items__ --------Custome.rs' Liability on Letters 
 
of Cred-it and Acceptances__ --------Overdrafts (if any) ___________ _ 10~ flf 
 
OL.thBe.r CAosuspeotsns-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ 
 
27 02 2 12 
 
Capita.! Stock Paid In__________ $ 25,000 00 
Amount Reserved for Branches _l_ __..__ii_ 
 
Surplus Fund ---------------- _ Undivided Profits ------------- 
 
0 000 0 
2,735 ro 
 
Dividends Unpaid ------------ --------Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits SubJect to 
 
Check ----------------------- 52,8fl1 7G 
 
Demand Certificates of Deposit Time Certificates of Dep J-<;t.. 
 
~17,538-44 
 
Savings Depos-its -------------- --------Trust Funds on Deposit. _______ --------- 
 
Cashier's Checks ________ ----- 
 
617 l 5 
 
Certified Checks ______________ --------- 
 
Bills Payable ------------------ 50,000 00 
 
Notes and Bills Rediscounted __ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
------- j , Total ------------------ _ ...$18!'.,6~3 2n Total ------------------------$188,693 20 
 
 FIRST ANNUAL REPORT 
 
347 
 
EXAMINER'S B.EPOB.T. 
 
LOGANVILLE BANKING COMPANY, LOGANVILLE. 
 
At Close of Business September 23, 1920. 
 
President-A. M. Brooks. Vice-President-J. V. Tuck. Cashier-W. T. Brooks. 
 
Directors-A. M. Brooks, J. V. Tuck, W. T. Brooks, J. R. Tuck, W. T. Tuck, 
 
J. P. Rockmore. 
 
Date of Charter-Februa.ry 1, 1902. 
 
Began Business-March 24, 1902. 
 
RESOI:HCES 
 
LlABILITIES 
 
Time Loans ___________________ $114,535 4 Capital Stock Paid In----~-----$ 25,000 00 Demand Loans _______________ 9,134 5F Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 46,009 74 Surplus Fund ----------------- 20,000 00 Other Stocks and Bonds_______ 43,450 00 Undivided Profits ------------ 11,018 41 Banking House _______________ 1,40U 00 Dividends Unpaid -------------- ________ _ Furniture and Fixtures________ --------- Due to Banks in this State __________ _ Other Real Estate Owned ______________ _ Due to Banks in other States ________ _ 
 
Due from Banks in this State 14,738' 38 Call Money -------------------- ________ _ Due from Banks in other States 3,222 34 Individual Deposits Subject to 
 
Currency ---------------------- 1,041 00 
 
Gold --------------------------- 330 00 Silver, Nickels. Pennies _____ _ 1,989 61 Advances on Cotton __________________ _ 
 
Advances on other Connnorlitil~H ________ _ 
 
Checks for Clearing House ___ _ 
 
69 77 
 
Check ----------------------- 86,322 72 Demand Certificates of Deposit ________ _ Time Ce,rtificates of Deposit___ 93,999 71 Savings DeposHs ______________ ________ _ Trust Funds on Deposit _____________ __ Cashier's Checks ______________________ _ 
 
Other Checks and Cash Items Custome,rs' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any) _________ . Other Assets _________________ _ 
 
367 75 
________ _ ________ _ 
103 65 
 
Certified Checks -------------- -------- Bills Payable ------------------ ________ _ Notes and Bills Rediscounted__ ________ _ CerrotwifeicdatMesonoefyD_e_p_o__s_it__f_o_r__B__o_r-_ 
Liability on Letters of Credit and Acceptances ___________________ __ 
 
Reserve for Interest and Taxes ________ _ 
 
Other Liabilities ______________ 
 
51 35 
 
Total --- --------- __________ $236,392 1~ Total ------------------------$236,392 19 
 
BANK'S STATEME'N'l' at Close of Business December 15. 1920. 
 
RESOURCES 
 
LlABILITIES 
 
Time Loans ___________________ $162.195 60 Capital Stock Paid In__________ $ 25,000 00 Demand Loans ________________ 5,500 00 Amount Reserved foi Branches Loans Secured by Real Estate ________ _ Surplus Fund ________________ _ 20,000 00 United States Bonds ---------- 43,450 00 Undivided Profits _____________ _ 11.720 60 Other Stocks and Bonds ______________ _ Dividends Unpaid _____________ _ 
 
Banking House --------------- 1,400 00 Due to Banks in this State __ ~'urniture and Fixtures________ ________ _ Due to Banks in other States 
 
Other Real Estate Owned _____ _ Due from Banks in this State -13~3n-43 
 
Call Money -------------------Individual Deposits Subject to 
 
Due from Banks in other States 
Cur.rency ---------------------Gold --------------------------Silver, Nickels. Pennies _____ _ Advances on Cotton __________ 
 
355 2,3'73 
330 
 
oo22rr 
 
2,197 ~7 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of DeposiL__ Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
69,929 34 89,649 25 
 
Advances on other CommoJ.it.('"' _________ _ Cashier's Checks ------------- _ Checks for Clearing House____ ________ _ Certified Cheeks ______________ _ 
 
310 00 
 
Other Checks and Cash Items 481 67 Custome,rs' Liability on Letters 
of CredH and Acceptances_________ __ Overdrafts (if any) __________ ________ _ Other Assets __________________ ________ _ 
 
Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
 
15.000 00 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities _________ __ 
 
Total -------------------- ___ $231,609 10 Total ------------------------$231,609 19 
 
 348 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
BANK OF LOUISVILLE, LOUISVILLE. 
 
At Close of Business November 1, 1920. 
 
President-\V. L. Phillips. Vice-President-L. R. Farmer. Cash1er-R. S. Farmer. 
Directors-W. L. Phillips, L. R. Farmer, R. S. Farmer, Joe W. Clark, W. s. 
Murphy, J. R. Murphy, W. A. Cates, D. P. Ponder. 
 
Date of Charter-October 2, 1891. 
 
Began Business-1893. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$415,386 37 Capital Stock Paid In_______$ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ________ 
Other Stocks and Bonds_____ Banking House ------------Furniture and Fixtures______ Other Real Estate Owned____ 
 
20,837 75 38 726 97 23:781 00 
3,900 Oo 2,500 00 --------14,2+2 00 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ----------- 
Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States Call Money _______________ _ 
 
55,000 00 19,103 40 
80 00 182 30 
57,500 00 
 
Due from Banks in this State ____ .... _ Individual Deposits Subject 
 
Due from Approved Reserve 
 
to Check ----------------- 113,756 60 
 
Agents ------------------ 15,402 20 Demand Certificates of Deposit 
 
Currency ------------------ 5,377 08 Time Certificates of Deposit_ 99,821 59 
 
Gold ----------------------- 
 
490 00 Savings Deposits __________ _ 17,130 18 
 
Silver, Nickels, Pennies_____ 2,081 02 Cashier's Checks __________ _ 1,403 44 
 
Advances on Cotton __________________ Trust Funds on Deposit_ ___ _ 
 
710 67 
 
Advances on other Commodities --------------------- 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
Certified Checks ___________ _ _________ Bills Payable _____________ _ 100,000 00 
1,569 63 Notes and Bills Rediscounted 72.975 83 _________ Certificates of Deposit for 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances __________ 
 
Overdrafts (if any) -------- 18,646 30 Reserve for Interest and Taxes Other Assets _______________ 3,564 fi5 Other Liabilities __________ _ 13,561 95 
 
Cash Items ---------------- 7,315 35 Current Checks _____________ 2,405 74 
 
Total ____________________ $576,225 96 Total --------------------$576,225 96 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
I 
 
LIABILITIES 
 
Time Loans ________________$390,634 00 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ____________ 19,558 50 Loans Secured by Real Estate 20,400 00 United States Bonds __________ 23,950 00 Other Stocks and Bonds ____ 5,245 00 
Ranking House ------------ 2,500 00 Furniture and Fixtures______ _________ 
Other Real Estate Owned____ 4,242 00 
 
Amt. Reserved for Branches Citizen's Bank, Avera______ _ Surplus Fund -------------Undivided Profits ---------- 
Dividends Unpaid ----------Due to Banks in this State 
Due to Banks in other States 
 
15,000 00 40,000 00 18,921 18 
80 00 12,500 00 
37,500 00 
 
Due from Banks in this State 14,404 97 Call Money ---------------- 
 
Due from Banks in other States ------------------- 
 
Individual Deposits Subject 338 83 to Check ----------------- 129,289 36 
 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ 
 
3,658 00 Demand Certificates of Deposit 515 00 Time Certificates of Deposit 
2,043 31 Savings Deposits ----------- 
 
86,543 07 11,228 29 
 
Advances on Cotton ________ --------- Trust Funds on Deposit_ ___ _ 
 
Advances on other Commodi- 
 
Cashier's Checks ---------- 
 
1,849 40 
 
ties ---------------------Checks for Clearing- House__ Other Checks and Cash Items 
 
7,567 12 _ ________ 
1,79+ 73 
 
Certified Checks ___________ _ Bills Payable -------------Notes and Bills Rediscounted 
 
86,500 104,402 
 
00 94 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ances -------------------- _________ Liability on Letters of Credit Overdrafts (if any) ________ 3,536 90 and Acceptances-----~---- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Building Account __________ 15,000 00 Other Liabilities ----------~onnty Warrants __________ 58,42fi 88 Reserve for Duililing- _______ _ 5,000 00 
 
Total ____________________ $573,814 24 'I'otal ____________________ $fl73,814 24 
 
 FIRS'!' ANNUAL REPORT 
 
349 
 
EXAMINER'S REPORT. 
LOVEJOY BANKING COMPANY, LOVEJOY. 
At Close of Business August 31, 1920. 
 
President-S. D. Crawford. Vice-President-.J. vV. Fields. Cashier-G. P. Babb. Directors-B. D. Crawford, J. W. Fields, G. P. Babb, H. A. Moore, R. L. Dickson. 
 
Date of Charter-February 20, 1909. 
 
Began Business-January, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------- $ 87,447 2g Capital Stock Paid In ______$ 15,000 00 
 
Demand Loans ------------- 13,700 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 10,000 00 
 
United States Bonds ______ 2,550 00 Undivided Profits ---------- 9,106 63 
 
Other Stocks and Bonds----- --------- Dividends Unpaid __________ 
 
Banking House ------------- l ,51 9 08 Due to Banks in this State __ 
 
Furniture and Fixtures______ Other Real Estate Owned__ 
 
2,115 57 ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
Due from Banks in fhis State 4,829 47 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 50,590 55 
 
States ------------------Currency ------------------- 
GSiollvder-, -N--ic-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-__--_ 
Advances on Cotton _________ 
 
145 38 Demrmd Certificates of Deposit 1,175 00 Time Certificates of Deposit 
30 00 Savings Deposits __________ _ 568 10 Cashier's Checks ___________ _ --------- Certified Checks ____________ 
 
13,066 08 19 50 
 
Advances on other Commodi- 
 
Bills Payable -------------- 20,000 00 
 
ties --------------------- ________ _ Notes and Bills Rediscounted 
 
Checks for Clearing House__ ________ _ Certificates of Deposit for Other Checks and Cash Items 1,826 96 Borrowed Money ________ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances__________ 
 
O vaenrcdersa f-t s- - -(-i f- -a-n-y-)- - -_-_-_-_-_-_-_-_ 
 
--------1,875 92 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Other Assets --------------- _________ 
 
Total ____________________ $117,782 761 Total ____________________ $117,782 76 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
1 ___________R__E_s_o__u_R_c_E__s ____________ 
 
LIABILITIES 
 
Time Loans ________________ $ 65,450 28 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans _____________ 1,900 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 17,fi35 89 Surplus Fund ------------- 10,000 00 United States Bonds ________ 2,550 00 Undivided Profits ----------- 8,433 90 
OBathnekrinsgtoHckosusaend___B_o_n_d__s_________ --(.ii]!J_o_s g~v~d~gd~a;;~~a~~ ti1i;;-state 
 
Furniture and Fixtures ____ 2,115 57 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 
 
Due from Banks in this State 5,827 02 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 46,335 67 
 
States ___________________ 
 
2fi6 35 Demand Certificates of Deposit 
 
Currency __________ _________ 2,318 00 Time Certificates of Deposit 19,478 36 
 
Gold ----------------------- 
 
30 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ 1,060 67 Trust Funds on Deposit ---- 
 
Advances on Cotton ________ _ ________ Cashier's Checks ___ -- _____ _ 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
ties ---------------------- 1,805 04 Bills Payable ---------------- 1 2,fi00 00 Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
:Sorrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ____________________ _________ and Acceptances_________ _ 
 
Overdrafts (if any) _________ 9,380 03 Reserve for Interest and Taxes 
 
Other Assets ---------------- _________ Other Liabilities __________ _ 
 
Total _____________________ $111,747 9~ Total ________ -------~---$111,747 93 
 
 1 
 
350 
 
BANKING DEPARTMENT 
 
EXA'MINl:R'S REPORT. 
 
BANK OF LOVETT, LOVETT. 
 
At Close of Business August 16, 1920. 
 
President-B. T. Kight. Vice-President-\V. D. Sumner. Cashier-L. A. l\fcCrary. 
 
Directors-B. T. Kight, W. D. Sumneo-, L. A. McCrary, B. B. Kight. 
 
0. W. Parker. 
 
Date of Charter-November 29, 1911. 
 
Began Business-November 29, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ _7_0_,_0_92___83_ 
 
Capital Stock Paid In --------$15,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate ________ _ United States Bonds________________ _ 
Other Stocks and Bonds ____ --------Banking House ------------- l ,535 07 Furniture and Fixtures ____ 2,243 66 Other Real Estate Owned____ ________ _ 
 
Surplus Fund -------------Undivided Profits ----~----Dividends Unpaid __________ 
Due to Banks in this State Due to Banks in other States Call Money ________________ 
 
3,000 00 _ _2_,4_4_8___39_ 
________ _ ________ _ --------- 
 
Due from Banks in this State Due from Banks in other 
States ___________________ 
 
2,533 56 Individual Deposits Suhject to Check _________________ l 0,666 39 
1,225 60 Demand Certificates of Deposit ________ _ 
 
GCoulrdr e n_ _c_y_ _ _- -_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_- 
 
_ _ _8_9_0_ _ _00_ 
 
Time Certificates of Deposit Saving-s Deposits ___________ 
 
19,723 63 _ _______ _ 
 
Silver, Nickels, Pennies _____ 
 
367 19 Trust Funds on Deposit ____ ________ _ 
 
Advances on Cotton_________ ________ _ Cashier's Checks ______ ----- ------ __ _ 
 
Advances on other Comtnodities --------------------- 
 
--------- 
 
Certified Checks __ __________ Bills Payable _______________ 
 
-:-Jo-,-oo-o---o-o 
 
Checks for Clearin<r House __________ _ Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _________ ________ _ 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_-_ 
 
_ ________ _ 
 
Liability on Letters of Credit and Acceptances__________ 
 
________ __ 
 
Overdrafts (if any) __________ 2,160 89 Reserve for Interest and Taxes ________ _ 
 
Other Assets: Cash Short _________________ 
 
Other Liabilities: 15 02 Credit Items _______________ 
 
225 41 
 
Total ____________________ $ 81,063 82 Tot'tl ____________________ $ R1,06R ~2 
 
BANK'S STATEME'KT at CloS(' of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 41,840 36 Capital Stock Paid In ______ $ 15,000 00 Demand Loans ------------- 14,121 53 Amt. ReRerved for Branches ________ _ 
 
Loans SE:cured by Real Estate 2,243 95 Surplus Fund -------------- 3,000 00 United States Bonds________ ________ _ Undivided Profits __________ 1,883 67 
 
Other Stocks and Bonds _____ --------- DividendR Unpaid __________ _-------Banking House ------------- 1,535 07 Due to Banks in this State ________ _ Furniture and Fixtures ____ 2,119 66 Due to Banks in other States ________ _ 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- ________ _ 
 
Due from Banks in this State 2,237 92 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------SGiol vl de r ,- -N-i-c-k-e-l s-,- -P-e-n-n-i-e-s- -_-_ _- _-_- -_ Advances on Cotton_________ 
 
208 34 1,147 00 
5 00 470 50 ________ _ 
 
to Checl<: ----------------Demand Certificates of Deposit 
Time Certificates of DeposiL Savings Deposits ___________ Trust Funds on Deposit ____ Cashier's Checks ___________ 
 
12,343 73 ________ _ 
688 54 ________ _ ________ _ 
238 22 
 
Advances on other Commodi- 
 
Certified Checks ____________ ________ _ 
 
Chteiecsks -f-o-r--C-l-e-a-ri-n-<-r--H-o-u--se--__- 
 
-------- 274 83 
 
Rills Payable ______________ Notes and Bills Rediscounted 
 
15,000 00 _________ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
450 00 Certificates of Deposit for Borrowed Money ________ 18.500 00 
 
atenrcsesof__C_r_e_d_i_t__a_n_d__A__c_c_e_p_t_- 
 
________ _ 
 
Liability on Letters of Credit and Acceptances_________ _ 
 
Overdrafts (if any) _ __ _ _ __ __ ________ _ Reserve for TnterE'st and TaxE's _________ __ Other AsRetR _______________ ________ _ Other Liabilities ___________ ---------- 
 
Total ____________________ $ 66,6!'i4 16 Toinl ____________________ $ 66,6!'i4 16 
 
 FIRST ANNUAL REPORT 
 
351 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK, LUDOWICI. 
At Close of Business July 24, 1920. 
 
President-S. H. Howard. Vice-President-E. B. Rimes. Cashie,r-Miss Emma D. Lee. 
 
Directors-S. H. Howard, E. B. Rimes, H. R. Rimes,, C. W. Hendry, D. F. Wells, J. E. Swanson, J. P. warren, Sr., J. A. Smiley. 
 
Date of Charter-July 25, 1909. 
 
Began Business-October, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $_89,418 80 Capital Stock Paid In_______ $ 25,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
--------________ _ 
 
Surplus Fund -------------Undivided Profits ----------- 
 
1,505 12 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 3,500 00 Due to Banks in this State 
 
Furniture and Fixtures______ 2,270 29 Due to Banks in other States 
 
Other Real Estate Owned __ --------- Call Money ---------------Due from Banks in this State 8,590 80 Individual Deposits Subject 
 
Due from Banks in other States ----------~------- 
 
144 57 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 29,846 06 
 
Currency ------------------- 3,747 00 Time Certificates of Deposit 55,795 68 
 
GSiollvder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s---_-__--_ 
 
185 00 Savings Deposits ----------329 72 Cashier's Checks ----------- 
 
372 25 
 
Advances on Cotton_________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
ties ---------------------- --------- Notes and Bills Rediscounted Checks for Clearing House__ ________ _ Certificates of Deposit for 
 
Other Checks and Cash Items 4,240 64 Borrowed Money --------- 
 
Customers' Liability on Letters of Credit and Accept- 
 
LiaanbdilitAy cocnepLtaenttceerss__o_f__C_r_e_d_i_t 
 
ances -------------------- --------- Reserve for Interest and Taxes 
 
Overdrafts (if any)--------- 
 
330 68 Other Liabilities ----------- 
 
238 39 
 
Other Assets --------------- ________ _ 
 
Total ____________________ $112,757 50 Total --------------------$112,757 50 
 
BANK'S STATEME'NT at Clos0 of Business December 15, 1920. 
 
RESOURCES 
 
I 
 
LIABILITIES 
 
Time Loans ________________ $111,844 73 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ------------- 3,722 40 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund -------------- 1,452 72 
 
United States Bonds________ _________ Undivided Profits ---------- 3,499 97 
 
Other Stocks and Bonds ____ 1,040 00 Dividends Unpaid ---------- 
 
Banking House ____________ 5,000 00 Due to Banks in this State 
 
Furniture and Fixtures ______ 
 
770 29 Due to Banks in other States 
 
Other Real Estate Owned __ _________ Call Money ---------------- 
 
Due from Banks in this State 
 
512 17 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 30,717 29 
 
States ------------------- 
 
169 62 Demand Certificates of Deposit 
 
Currency ------------------- 1,366 00 Time Certificates of Deposit 43,278 76 
 
Gold ----------------------- 
 
145 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ 
 
344 66 Trust Funds on Deposit ___ _ 
 
Advances on Cotton_________ _________ Cashier's Checks _________ _ 
 
137 60 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
--------_________ 
619 91 
 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ Liability on Letters of Credit 
 
.23,500 00 
--------- 
 
ances -------------------- --------- and Acceptances_________ _ 
 
Overdrafts (if any)__________ 
 
111 78 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Profit and Loss ____________ 1,939 78 
 
Total --------------------$127,586 34 Total ____________________ $127,586 34 
 
 352 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
LIBERTY BANKING COMPANY. LUDOWICI. 
 
At Close of Business August 24, 1920. 
 
President-.N. McQueen. Cashier-J. B. Daniel. 
 
Directors-N. McQueen, W. H. Simmons, J. B. Daniel, M. Nathan, N. J. McQueen. 
 
Date of Charter-September 25, 1903. 
 
Began Business-October, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 92,884 11 
 
Demand Loans ------------- 6,893 75 
 
Loans Secured by Real Estate _________ 
 
United States Bonds _______ _ ~.468 39 
 
Other Stocks and Bonds ___ _ Banking House ___________ _ 
 
4,500 00 3,000 00 
 
Furniture and Fixtures ___ _ 1,890 86 
 
Other Real !<~state Owned __ 16,063 75 
 
Due from Banks in this State 14,243 07 
 
Due from Danks in other States __________________ _ 
 
694 00 
 
CG uo lrdr e n_ c_ y_ _ _- _- _- _- _- _- _- _- _- _-_-_-_-_-_-_-_-_- -_ 
 
1,673 00 20 00 
 
Silver, Nickels, l-'ennies ___ _ 
 
318 39 
 
Advances on Cotton ________ _ 
 
Advances on other Commodi- 
 
ties ---------------------Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1o:l 41 
571 53 
 
ances -------------------OO tvheerrd rAa fstsse t s( i f_ _a_n_y_)_ _ _-_-_-_-_-_-_- -_ 
 
4,269 30 500 00 
 
Capital Stock Paid In ------$ Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ----------Dividends Unpaid ---------Due -to Banks in this State Due to Banks in other States Call Money ------------- __ _ Individual Deposits Subject 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-,-D-e-p-o-s-i-t Time Certificates of Deposit Savings Deposits ----------Cashier's Checks _________ _ 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
Liability on Letters of Credit and Acceptances_________ _ 
Reserve for Interest and Taxes Other Liabilities -----~----- 
 
25,000 00 391 91 
66,499 97 43,893 68 
3,184 65 964 66 
10,000 00 
158 69 
 
Total ____________________ $1fi0,093 56 Total --------------------$150,093 56 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 83,567 43 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ 
Other Stocks and Bonds ___ _ Banking House ------~-----Furniture and Fixtures ___ _ Other Real I~state Owned ___ _ 
Due from Banks in this State Due from Banks in other 
 
7,868 42 22,690 23 
2,793 76 4,500 00 3,000 00 1,890 86 16,063 75 3,556 17 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- e- n- -n-i e- s- - -_-_-_-_ Advances on Cotton________ _ 
Advances on other Commodi- 
 
136 39 1,192 00 
20 00 205 93 
--------- 
 
ties ---------------------Checks for Clearing House __ 
Other Checks and Cash Items Custolllers' Liability on Let- 
ters of Credit and Accept- 
 
----------------- 
107 21 
 
ances --~---------------- Overdrafts (if any) -------- Other Assets ______________ _ 
 
1,838 27 
 
Capital Stock Paid In _______ $ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus :B'und -------------- 
Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State 
 
460 39 
 
Due to Banks in other States Call Money _______________ _ 
 
Individual Deposits Subject to Check _______________ _ 42,952 87 
 
Demand Certificates of Deposit Time Certificates of Deposit_ 40,582 86 Savings Deposits __________ _ 3,102 39 
 
Trust Funds on Deposit ___ _ Cashier's Checks ___________ _ Certified Checks ___________ _ 
 
7,331 91 
 
Rills Payable _____________ _ 30,000 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances_________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
Total --------------------$147,270 74 Total --------------------$149,430 42 
 
 FIRST ANNUAL REPORT 
 
353 
 
EXAM'I:NEB'S BEPOBT. 
 
BANK OF LULA, LULA. 
 
At Close of Business September 27, 1920. 
 
President-S. S. Carter. Vice-President-C. A. Summerour. Cashier-E. F. Whitworth. 
Directors-S. S. Carter, E. F. Whitworth, C. A. Summerour, R. Martin, Joel Caffey. 
 
Date of Charter-December 20, 1904. 
 
Began Business-1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$116,697 00 Capital Stock Paid In _______ $ 16,000 00 
 
Demand Loans ------------- 6,267 96 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- --------- 
 
United States Bonds -------- 11,650 00 Undivided Profits ---------- 15,452 54 
 
Other Stocks and Bonds ____ 4,500 00 Dividends Unpaid ---------- 
 
600 00 
 
Banking House ------------ 1,250 00 Due to Banks in this State --------Furniture and Fixtures ____ 4,500 00 Due to Banks in other States --------- 
 
Other Real Estate Owned __ --------- Call Money ---------------- --------Due from Banks in this State 20,276 04 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ---------------~--- 
 
to Check ----------------- 64,197 05 1,453 15 Demand Certificates of Deposit ________ _ 2,547 00 Time Certificates of Deposit 75,871 60 
 
Gold ---------------------- 
 
290 00 Savings Deposits ----------- --------- 
 
Silver, Nickels, Pennies ____ 1,238 50 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton_________ --------- Cashier's Checks ___________ ________ _ 
 
Advances on other Commodi- 
 
Certified Checks ------------ --------- 
 
ties ---------------------- --------- Bills Payable ______________ --------- 
 
Checks for Clearing House__ 
 
427 76 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items 1,453 15 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _________ --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances__________ --------Overdrafts (if any) __________ --------- Reserve for Interest and Taxes --------- 
 
Other Assets: Mutual Fire Insurance Fund Depositors' Guarantee Fund_ 
 
Other Liabilities -----------120 00 Cash Long ------------------3,464 50 
 
476 45 7.64 
 
Total ---------------------$171.605 28 Total -------------;--------$171,~05 28 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$-------- Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans -------------- 108,403 49 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund -------------- 1,100 00 
 
United States Bonds ______ 11,650 00 Undivided Profits ---------- 14,181 66 
 
Other Stocks and Bonds ____ 4,500 00 Dividends Unpaid ---------- 
 
Banking House ------------ 1,250 00 Due to Banks in this State 
 
Furniture and Fixtures ____ 3,324 01 Due to Banks in other States 5,000 00 
 
Other Real Estate Owned __ --------- Call Money ---------------Due from Banks in this State 11,561 28 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 48,054 09 
 
States -------------------- 
 
218 86 Demand Certificates of Deposit 
 
Currency ------------------- 1,057 00 Time Certificates of Deposit 63,799 82 
 
Gold ----------------------- 
 
322 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 1,373 97 Trust Funds on Deposit ___ _ 
 
Advances on Cotton -------- --------- Cashier's Checks ---------- 
 
135 17 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- --------- Bills Payable -------------Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
1.25 Certificates of Deposit for Borrowed Money _______ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances_________ _ 
 
Overdrafts (if any) ________ 
 
23 88 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities __________ _ 
 
Depositors' Guarantee Fund __ 3,584 50 
 
Total --------------------$147,270 74 Total --------------------$147,270 74 
 
 354 
 
BaNKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
FARMERS & MERCHANTS BANK, LUMBER CITY. 
 
At Close of Business .July 31, 1920. 
 
President-D. W. PhiHips. Vice-President-E. F. Davis. Cashier-R. H. Hall. Directors-D. W. Phillips, E. F. Davis, R. H. Hall, C. C. DeLoach, \V. H. Sears, 
.J. H. Wilcox, A. T. Varnadoe, 0. F. McEachin. 
 
Date of Charter-August 7, 1914. 
 
Began Business-August 10, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 99,579 18 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------ 27,912 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _____ _ BOathnekrinSgtoHcokus saend___B_o_n__d_s________ __ 
 
Surplus Fund -------------200 00 Undivided Profits ---------- 
Dividends Unpaid ---------Due to Banks in this State 
 
3,986 44 
 
Furniture and Fixtures ____ _ 
 
Due to Banks in other States 
 
Other Real Estate Owned __ 
 
Call Money ---------------- 
 
Due from Banks in this State 39,477 66 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
3,024 44 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 85,182 98 
 
Currency ------------------ 1,681 00 Time Certificates of Deposit 76,029 83 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
Savings Deposits ----------449 70 Cashier's Checks ----------- 3,304 09 
 
Advances on Cotton -------- 
 
Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
C htei ecsk s- -f -o-r - -C-l-e-a-r-i n- g- - -H-o- u- -s -e-__- 
 
Notes and Bills Rediscounted 549 79 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
522 01 Borrowed Money -------- 
 
Customers' Liability on Letters of Credit and Accept- 
 
LiaanbdilitAy cocnepLtaenttceerss__o_f__C_r_e_d_i_t 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ -_ _- _- _-_-_- -_ 
 
Reserve for Interest and Taxes 14 43 Other Liabilities ------------ 
 
6 87 
 
Other Assets --------------- 
 
Total --------------------$183,510 21 Total --------------------$183,510 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 92,633 93 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------ 25,436 84 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- --------United States Bonds ________ _________ Undivided Profits ---------- 1,960 17 
 
Other Stocks and Bonds____ _________ Dividends Unpaid ---------- --------- 
 
Banking House ------------ _________ Due to Banks in this State --------- 
 
Furniture and Fixtures ____ 9,950 00 'Due to Banks in other States --------- 
 
Other Real Estate Owned _________ Call Money ---------------- --------- 
 
Due from Banks in this State 15,176 83 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ------------------ 59,350 01 
 
States -------------------- 
 
201 07 Demand Certificates of Deposit --------- 
 
Currency ------------------ 5,098 46 Time Certificates of Deposit 74,328 90 
 
Gold ----------------------- --------- Savings Deposits ----------- --------Silver, Nickels, Pennies_____ _________ Trust Funds on Deposit ---- --------- 
 
Advances on Cotton _______ _ 7,510 48 Cashier's Checks------------ 1,227 69 
 
Advances on other Commodi- 
 
Certified Checks ------------ ________ _ 
 
ties ---------------------- _________ Bills Payable --------------- 5,000 00 
 
Checks for Clearing House__ _________ Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 
 
859 16 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -------- --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------- --------- 
 
Overdrafts (if any) ________ --------- Reserve for Interest and Taxes --------- 
 
Other Assets --------------- _________ Other Liabilities ----------- --------- 
 
Total -------------------$156,866 771 TotaL -------------------$156,866 77 
 
 FIRST ANNUAL REPORT 
 
355 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF LUMPKIN, LUMPKIN. 
 
At Close of Busines,s August 18, 1920. 
 
President-E. L. Brawner. Vice-President-G. W. Pugh. Cashier-E. E. Humber. 
 
Directors-T. T. James, D. G. Bland, E. L. Harvey, W. B. Perkins, G. W. Pugh, Mrs. L. W. Hillman, E. L. Brawner, J. L. Morton, E. E. Humber, 0. L. Morton, J. N. Davis, Mrs. C. R. Thompson. 
 
Date of Charter-November 18, 1908. 
 
Began Business-November 18, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------T$217,499 92 
 
Demand Loans ------------- 15,405 76 Loans Secured by Real Estate 25,000 00 
 
United States Bonds________ --------Other Stocks and Bonds______ 5,199 10 
 
Banking House ------------ --------Furniture and Fixtures ____ 3,000 00 
 
Other Real Estate Owned__ 
 
989 50 
 
Due from Banks in this State 29,870 76 
 
Due from Banks in other 
 
States ------------------- 3,508 68 
 
Currency ------------------ 5,109 00 
 
Gold ----------------------- 
 
467 50 
 
Silver, Nickels, Pennies ____ 1,509 10 
 
Advances on Cotton -------- --------Advances on other Commodi- 
 
ties ---------------------- _________ 
 
Checks for Clearing House__ 
 
258 53 
 
Other Checks and Cash Items 
 
279 02 
 
Customers' Liability on Letters of Credit and Accept- 
 
ances -------------------- _________ 
 
Overdrafts (if any) -------Other Assets ______________ 
 
462 76 6,050 27 
 
Capital Stock Paid In ------$ 25,000 00 
 
Amt. Reserved for Branches --------Surplus Fund -------------- 5,000 00 
 
Undivided Profits ---------- 9,657 16 
 
Dividends Unpaid __________ 
 
152 00 
 
Due to Banks in this State 5,000 00 Due to Banks in other States --------- 
 
Call Money ---------------- --------Individual Deposits Subject 
 
to Check ----------------- 101,608 84 
 
Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit 102,086 84 
 
Savings Deposits ___________ --------- 
 
Cashier's Checks ------------ 1,096 05 
 
Certified Checks ------------ --------Bills Payable -------------- 65,000 00 
 
Notes and Bills Rediscounted --------Certificates of Deposit for 
 
Borrowed Money ________ --------- 
 
Liability on Letters of Credit and Acceptances __________ ________ _ 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ------------ 
 
9 01 
 
I Total -------------------$ 314,609 90 Total --------------------$314,609 90 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$189,900 09 Capital Stock Paid In_______ $ 25,000 00 
 
Demand Loans ------------- 18,106 29 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 23,492 00 Surplus Fund -------------- 5,000 Oo United States Bonds________ --------- Undivided Profits ----------- 7,220 09 
 
Other Stocks and Bonds 
 
--------- Dividends Unpaid ------------ 
 
72 00 
 
Banking House ------------ --------- Due to Banks in this State _________ 
 
Furniture and Fixtures ____ 3,000 00 Due to Banks in other States --------- 
 
Other Real Estate Owned__ 
 
989 50 Call Money ----------------- 12,000 00 
 
Due from Banks in this State 21,487 35 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 72,371 77 
 
States ------------------- 1,167 33 Demand Certificates of Deposit --------- 
 
Currency ------------------ 5,469 Ou Time Certificates of Deposit 84,371 77 
 
Gold ----------------------- 
 
447 50 Savings Deposits ----------- --------- 
 
Silver, Nickels, Pennies______ 1,022 35 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton -------- 2,138 65 Cashier's Checks------------ 
 
571 26 
 
Advances on other Commodi- 
 
Certified Checks ------------ --------- 
 
ties ---------------------- 1,154 47 Bills Payable ------------- 60,000 00 
 
Checks for Clearing House__ 
 
545 50 Notes and Bills Rediscounted 2,500 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
175 35 Certificates of Deposit for Borrowed Money ---------- ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances ---------- --------- 
 
Overdrafts (if any) ________ 
 
376 83 Reserve for Interest and Taxes ________ _ 
 
Other Assets --------------- --------- Other Liabilities ----------- --------- 
 
Total --------------------$269,432 21 Total --------------------$269,432 21 
 
 356 
 
BANKING DEPARTMENT 
 
EXAM:Ilii"EB.'S B.EPOB.'l'. 
 
FARMERS STATE BANK, LUMPKIN. 
 
At Close of Business July 31, 1920. 
 
President-E. L. Carter. Vice-President-W. G. Worthington. Cashier-A. T. Fort. 
Directors-E. L. Carter, J. Day, w. G. Worthington, M. T. McDowell, A. T. Fort, Jr. 
 
Date of Charter-October 21, 1911. 
 
Began Business-December, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$145,054 75 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------ 11,305 48 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
20,000 00 4,250 00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
3,000 00 7,427 63 
 
Other Stocks and Bonds 
 
--------- Dividends Unpaid ---------- 
 
16 00 
 
Banking House ------------ --------- Due to Banks in this State 
 
Furniture and Fixtures ------ 2,800 00 Due to Banks in other States 
 
Other Real Estate Owned __ Due from Banks in this State 
 
--8~625-83 
 
Call Money ----------------Individual Deposits Subject 
 
60,000 00 
 
Due from Banks in other 
 
to Check ---------------- 40,706 01 
 
States -------------------Currency ------------------SGiol vl de r ,- - N- -i-c-k-e-l s-,- -P- e- n- -n-i e- s- -_ _-_-_- -_ 
 
2,562 92 Demand Certificates of Deposit 
 
1,150 00 Time Certificates of Deposit 48,802 71 
 
260 00 Savings Deposits ---------- 4,352 84 
 
2,181 85 Cashier's Checks ---------- 
 
773 10 
 
Advances on Cotton ________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 23,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted Checks for Clearing House__ --------- Certificates of Deposit for 
 
Other Checks and Cash Items --------- Borrowed Money ---------- 
 
I. 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ _- _- _- _-_-_- -_ Other Assets _____________ _ 
 
--------289 13 
3,651 18 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
Total --------------------$203,078 29 Total --------------------$203,078 29 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------~---$ _______ _ Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans ------------- 154,951 79 Amt. Reserved for Branches ________ _ 
 
LUonaitnesdSeSctuarteeds bByonRdesa_l__E_s_t_a_te_ -_-_-_-_-_-_-_-_-_ USunrdpivluids edFuPndrof-i-ts---_-__-_-_-_-_-_-_--_ 
 
3,000 00 3,932 75 
 
Other Stocks and Bonds 
 
________ _ Dividends Unpaid ---------- 
 
8 00 
 
Banking House ------------ _________ Due to Banks in this State --------- 
 
Furniture and Fixtures____ 2,800 00 Due to Banks in other States --------- 
 
Other Real Estate Owned __ --------- Call Money ---------------- 51,500 00 
 
Due from Banks in this State 8,950 20 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------GSiollvder-, -N--ic-k-e-l-s-,-P--e-n-n-i-e-s-_-_-__-_--_ 
 
to Check ----------------- 32,080 27 1,288 56 Demand Certificates of Deposit ________ _ 2,025 00 Time Certificates of Deposit 43,885 20 
260 00 Savings Deposits ---------- 3,997 97 3,182 85 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton -------- --------- Cashier's Checks ---------- 
 
202 10 
 
Advances on other Commodi- 
 
Certified Checks ------------ --------- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--s-e-_-_ 
 
--------207 54 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
26,000 00 --------- 
 
Other Checks an<'! Cash Items 
 
199 72 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ -_ _- _-_-_-_- -_ 
 
and Acceptances .:._________ --------246 48 Reserve for Interest and Taxes --------- 
 
Other Assets: 
 
a, 
 
Depositors' Guarantee Fund __ 
 
139 
 
Other Liabilities ----------- --------- 
 
County Warrants ---------- 2,354 56051 
 
Total -------------------$179,606 29 Total -------------------$179,606 29 
 
:' 
 
 1 
 
FIRST ANNUAL REPORT 
 
357 
 
EXA'Mllii'EB.'S BEPOBT. 
 
LUTHERSVILLE BANKING COMPANY, LUTHERSVILLE. 
 
At Close of Business August 23, 1920. 
 
President-J. 0. Norris. Vice-President-Ja.s. W. Taylor. Cashie,r-H. R. Fitts. Directors-J. 0. Norris, Ja.s. W. Taylor, H. R. Fitts, W. T. Upshaw, W. F. Cul- 
pepper, C. C. Nalyl, G. L. Colly, J. W. Williams, R. T. Trammell, E. C. Norris- 
 
Date of Charter-October 11, 1905. 
 
Began Business-August 3, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ Demand Loans ------------Loans Secufed by Real Estate United States Bonds _______ _ Other Stocks and Bonds ___ _ 
Banking House -----------Furniture and Fixtures_____ _ Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--ic-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-__--_ Advances on Cotton _______ _ Advances on other Commodi- 
C htei ecsk s- - f-o-r- - -C- l-e-a-r-i-n-g- - -H-o-u- s-eOther Checks and Cash Hems Customers' Liability on Let- 
ters of Credit and Accept- 
ances -------------------Overdrafts (if any) -------Other Assets --------------- 
 
98,803 90 10,922 58 
2,659 33 230 00 
1, 700 00 850 00 
4,361 51 412 34 
1,215 00 716 60 
530 93 134 79 
16,092 78 
 
Capital Stock Paid In ------$ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 25,000 00 Undivided Profits ----------- 9,260 02 Dividends Unpaid ---------Due to Banks in this State 
 
Due to Banks in other States 
 
Call Money ----------------Individual Deposits Subject 
 
Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f--D-e-p-o--si-t 50,321 95 
 
Time Certificates of Deposit 23,964 02 
 
Savings Deposits ----------Cashier's Checks ------------ 
 
----83-77 
 
Certified Checks ------------ 
 
Bills Payable -------------- 5,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ____,_____ _ 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$138,629 76 Total --------------------$138,629 76 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ Demand Loans ------------Loans Secured by Real Estate United States Bonds_______ _ Other Stocks and Bonds ___ _ Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton_______ _ Advances on other Commodi- 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i-n~- - -H-o-u- -s e- -__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - _- _-_-_-_-_-_- -_ 
Other Assets --------------- 
 
82,058 90 18,877 45 17,255 86 
230 00 1,700 00 
850 00 
423 95 497 00 434 74 7,435 62 
1,631 29 
 
Capital Stock Paid In ______ $ 25,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 25,000 00 Undivided Profits ----------- 8,193 02 
 
Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
 
651 64 
 
Call Money ----------------Individual Deposits Subject 
 
to Check ----------------- 30,327 85 Demand Certificates of Deposit 
 
Time Certificates of Deposit 12,183 09 Savings Deposits __________ _ 
 
Trust Funds on Deposit ____ --------- 
 
Cashier's Checks ------------ 
 
39 21 
 
CBeilrltsifiePdayCahbelceks__-_-_-_-_-_-_-_-_-_-_--_ 30,000 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money _________ _ 
 
Liability on Letters of Credit 
 
and Acceptances ---------Reserve for Interest and Taxes Other LiahilitiPs __________ _ 
 
Total --------------------$131,394 81 Total --------------------$131,394 81 
 
i 
 
 358 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF LYERLY, LYERLY. 
 
At Close of Business October 22, 1920. 
 
President~J. L. Pollock. Vice-President~B. F. Shamblin. Oashier-H. S. Carson. 
 
Dlrectors-J. L. Pollock, B. 'F. Shamblin, J. S. Cleghocn, J. A. Smith, F. A. williams. 
 
Date of Charter-September, 1904. 
 
Began Business-September, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$177,769 3:1 Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans ------------ 11,281 59 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 13,057 12 Surplus Fund ----------+-- 
 
United States Bonds ______ 10,500 00 Undivided Profits ---------- 
 
Other Stocks and Bonds __ Banking House ____________ 
 
_ _______ _ 2,122 24 
 
Dividends Unpaid ----------Due to Banks in this State 
 
5,000 00 6,739 40 
 
Furniture and Fixtures ____ 2,471 61 Due to Banks in other States 
Other Real Estate Owned __ ________ _ Call Money --------------- 27,500 ou 
Due from Banks in this State --------- Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
--------10,686 07 
 
Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f--D-e-p-o--si-t 
 
69,557 88 
 
Currency ------------------Gold ----------------------- 
 
3,981 00 ________ _ 
 
Time Certificates of Deposit 103,197 Savings Deposits __________ _ 
 
26 
 
Silver, Nickels, Pennies ____ 
 
505 60 Trust Funds on Deposit ___ _ 
 
Advances on Cotton ________ _________ Cashier's Checks __________ _ 
 
277 06 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
ties ---------------------- ________ _ Bills Payable ______________ _ 10,000 00 
 
Checks for Clearing- House__ _________ l\'otes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
117 40 Certificates of Deposit for Borrowed Money _________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_ -_ _- _-_-_- 
 
- -1-,-0 8- 8- - -54- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets _______________ 3,691 10 Other Liabilities ___________ _ 
 
Total ____________________ $237,271 60 Total ____________________ $237,271 60 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $174,607 76 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- R,015 67 Amt. Reserved for Branches 
 
Loans Secured by Real F.:state 6,186 04 Surplus Fund -------------- 
 
United States Bonds ________ 10,500 00 Undivided Profits ----------- 
 
Other Stocks and Boncls 
 
_________ Dividends Unpaid ----------- 
 
5,000 00 6,418 23 
 
Banking House ------------ 2,122 24 Due to Banks in this State 2,000 00 
 
Furniture and Fixtures ______ 2,471 61 Due to Banks in other States 25,000 00 
 
Other Real Estate Owned__ ________ _ Call Money ---------------- 18,500 00 
 
Due from Banks in this State - _------- Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies _____ Advances on Cotton ________ 
Advances on other Commodities ---------------------- 
Checks for Clearing House___ 
 
--------- to Check ----------------- 
 
6,524 14 Demand Certificates of Deposit 
 
2,469 00 753 58 
 
Time Certificates of Deposit Savings Deposits __________ _ 
 
--------- Trust Funds on Deposit ___ _ 
 
1,654 19 Cashier's Checks ___________ _ 
 
Certified Checks ___________ _ 
 
------------- Dills Payable _____________ _ 
 
______________ _ Notes and Bills Rediscounted 
 
52,094 87 92,200 52 
4,781 71 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
---------------- 
 
Certificates of Deposit for Borrowed Money _________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersa 
 
f-ts- 
 
- 
 
- 
( 
 
i-f- -a-n-y-)- 
 
- 
 
-__-_-__-_-__-_-_-_ 
 
.-. -__-__-__-__-__-__-_ -_ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ___________ _ 
 
Depositors' Guarantee Fund__ 3,fi71 1o 
 
Mutual Fire JnsJJrance Fund 
 
120 00 
 
Total _________________________________ $218,995 33 Total ------------------------------------$218,995 33 
 
 FIRST ANNUAL REPORT 
 
359 
 
E:X:A'MINEB.'S B.EPOB.T. 
 
THE TOOMBS COUNTY BANK, LYONS. 
 
At Close of Business October 21, 1920. 
 
President-W. A. McNatt. Vice-President-R. L. Page. Cashier-W. T. China. 
 
Directors-W. A. McNatt, G. W. Lankford, L. L. McGregor, R. L. Page, Dan Odom, W. T. China, A. P. Thomas. 
 
Date of Charter-Decembe'r 22, B05. 
 
Regan Business-January 5, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------~144,985 25 Demand Loans ------------- 60,574 03 Loans Secured by Real Estate -------- United States Bonds -------- 25,730 74 Other Stocks and Bonds __ ________ _ 
Banking House ------------ 9,000 00 Furniture and Fixtures ____ 2, 500 00 
 
Capital Stock Paid In ------$ 30,000 00 Amt. Reserved for Branches Surplus Fund -------------- 6,000 00 Undivided Profits ---------- 7,289 18 Dividends Unpaid ----------Due to Banks in this State Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies______ Advances on Cotton ________ 
 
________ _ Call Money ----------------- 
 
34,625 21 Individual Deposits Subject 
 
_________ to Check ---------------- 119,556 20 
 
5,166 00 Demand Certificates of De- 
 
8,297 00 posits ------------------- 5,704 24 
 
706 00 1,377 67 
 
'rime Certificates of Deposit__ 123,088 47 Savings Deposits ---------- 1,914 72 
 
_________ Trust Funds on Deposit ____ 
 
Advances on other CommodiC htei ecsk s- -f -o-r - -C-l-e-a-r-i n-g- - -H-o-u-s-e-_-_- 
 
- 
 
- 
 
---744 
 
- 
 
-67 
 
CCearsthifiieerd's CChheecckkss _-__-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ 
 
765 06 
 
Other Checks and Cash Items 
 
200 90 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
ances -------------------- ________ _ Liability on Letters of Credit 
 
Overdrafts (if any) -------- 
 
61 OS and Acceptances _________ _ 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Transit ------------------- 
 
357 45 Other Liabilities: 
 
Cash Long ----------------- 
 
8.13 
 
Total --------------------$294,326 00 Total --------------------$294,326 00 
 
BANK'S STATEMENT at Close of Business December 15. 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 97,972 97 Capital Stock Paid In ------$ 30,000 00 
 
Demand Loans ------------- 66,486 62 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 23,507 92 Surplus Fund -------------United States Bonds________ 2.0,730 74 Undivided Profits ---------Other Stocks and Bonds __ _________ Dividends Unpaid ----------- 
 
6,000 00 5,903 70 
 
Banking House ------------- 9,000 00 Due to Banks in this State Furniture and Fixtures ____ ~.500 Ou Due to Banks in other States 
 
Other Real Estate Owned__ _________ Call Money ----------------- 
 
Due from Banks in this State 29,886 53 Individual Deposits Subject 
 
Due from Banks in other  _________ to Check ----------------- 112,670 69 
 
States ------------------- 2,.S20 24 Demand Certificates of DeCurrency ___________________ 8,005 00 posit -------------------- 2,704 24 
 
Gold ---------------------f'ilver, Nickels, Pennies______ Advances on Cotton ________ Advances on other Commodi- 
ties ---------------------Checks for Clearing House __ 
 
736 00 1,839 51 6,110 64 
_________ 1,004 96 
 
Time Certificates of Deposit 110,064 40 Savings Deposits ---------- 1,896 85 Trust Funds on Deposit ___ _ 3,610 37 Cashier's Checks ___________ _ 2,661 18 Certified Checks ___________ _ Bills Payable _____________ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
89 03 Notes and Bills Rediscounted Certificates of Deposit for Borrowed Money _________ _ 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any) ________ 
 
121 27 and Acceptances ---------- 
 
Other Assets _______________ _________ Reserve for Interest and Taxes 
 
Other Liabilities ___________ _ 
 
Total ____________________ $275,511 43 Total --------------------$275,511 43 
 
 l 
! 
360 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
MERCHANTS & MINERS STATE BANK, McCAYESVILLE. 
 
At Close of Business July 10, 1920. 
 
President-E. W. Chapman. Vice-President-C. D. McCay. 
 
Cashier-H. L. Greenway. 
 
Directors---;E. 
 
W. 
 
Chapman, C. J. H. Pumam, 
 
D. IH. 
 
McCay, 
s. Vanz 
 
A. D. Angel, ant, W. E. Wi 
 
T. J. Huckos, mbeu"ly. 
 
E. 
 
L. 
 
Price. 
 
Date of ChaxtJe['-JAugust 2'8, 1i916. 
 
J3egan Business--iNovember 1, 1916. 
 
RESOURCES 
 
LIABILITIES 
 
~~ean~0~!ns-================$ 
 
67,545 987 
 
74 43 
 
Loans Secured by Real Estate 7,196 46 
 
United States Bonds ---------- 650 00 
 
Other Stocks and Bonds _____ _ Banking House _______________ _ 
Furniture and Fixtures _____ _ Othe,r Real Estate Owned_____ _ 
 
2,906 38 2,026 49 
 
Due from Banks In this State 3,908 56 
 
Due from Banks in other States 
 
Currency ---------------------- 8,141 00 
 
Gold --------------------------Silver, Nickels, Pennies ______ _ 
 
145 00 126 33 
 
Advances on Cotton ---------- 
 
Advances on other Commoclities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items __ 
 
61 86 
 
Custome.rs' Liability on Letters 
 
of Credit ancl Acceptances-Overdrafts (if any) ___________ _ Other Assets _________________ _ 
 
310 97 
 
Capital Stock Paid in ________ $ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits -----------Dividends Unpaid _____________ _ 
 
871 !r4 
 
Due to Banks in this State __ Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to DCemheacnkd -C--e-r-t-if-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t Time Certificates of Deposit __ 
 
28,941 58 34,519 00 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ Cashier's Checks _____________ _ 
 
Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ Cerrotwifeicdat1eisonoefyD_e_p_o__s_it__f_o_r__B__o_r_- 
 
13,0()0 00 1,674 00 
 
Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 94,006 22 Total ------------------------$ 94,006 22 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$69,!r49 97 Demand Loans ---------------- 1,3UO 00 Loans .Seccred by Real Estate 4,054 69 United States Bonds _______ ___ 650 00 Other Stocks and Bonds ______ --------Banking House _______________ 2,906 38 
 
Capital Stock Paid in ----------$ 15,000 00 Amount Reserved for Branches Surplus Fund ------------------ 600 00 Undivided Profits ------------- 222 51 Dividends Unpaid ------------- 900 00 Due to Banks in this State __ 
 
Furniture and Fixtures _______ 2,02"6 49 Due to Banks in other States 
 
Othe.r Real Estate Owned______ --------- Call Money -------------------Due from Banks in this State__ 649 70 Individual Deposits Subject to 
 
Due from Banks in other States --------- Check __ --------------------- 33,806 47 Currency ---------------------- 7,481 00 Demand Certificates of Deposit Gold --------------------------- 245 00 Time Certificates of Deposit__ 30,316 80 Silver, Nickels, Pennies ______ 1,304 10 Savings Deposoits -------------- 
 
Advances on Cotton ---------- --------- Trust Funds on Deposit ------ 
 
Advances on other Commodities _________, Cashier's Checks -------------- 
 
Checks for Clearing House____________ _ Certified Checks -------------- 
 
Othe,r Checks and Cash Items__ 
 
25 00 Bills Payable ------------------ 
 
Custome.rs' Liability on Letters 
 
Notes and Bills Rediscounted 
 
7,500 00 1,847 00 
 
of Credoit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ___________ 
 
255 45 rowed Money --~------------ 
 
Other Assets -----------------. --------- Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 90,192 7g Total ------------------------$ 9~192 78 
 
 FIRST ANNUAL REPORT 
 
361 
 
EXAMINER'S BEPOBT. 
 
BANK OF HENRY COUNTY, McDONOUGH. 
 
At Close of Business November 2, 1920. 
 
President-F. W. Pullin. Vice-President-H. J. Copeland. Cashier-J. B. Dickson. 
 
Directors-F. W. Pullin, H. J. Copeland, J. B. Dickson, E. M. Copela.nd, D. J. Green, 
H. M. Amis, A. N. Brown, E. M. Smith, F. S. Etheridge, R. w. Dickerson. 
 
Date of Charter~June 23, 1896. 
 
Began Business-July 1. 1896. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLddLanosans---_-_-_-_-_-_-_--_-_-_-_-_-_-_-_$_29525,3,47190 4916 
 
Loans Secured by Real Estate --------United States Bonds __________ 17,301 34 
 
Other Stocks and Bonds _____ _ Banking House _______________ --3~7sz-il4 
 
Furniture and Fixtures ______ 7,2'21 53 
 
Other Real Estate Owned______ --------- 
 
Due from Banks in this State and other States ___________ _ 7,306 92 
 
Currency ---------------------- 4,366 00 
 
Silver ----------------------- __ Silver, Nickels. Pennies ______ 
 
____0_5_9__70_ 
 
Advances on Cotton __________ 2,325 33 
 
Advances on other Commodities --------- Checks for Clearing House ____ 2,296 04 
 
Other Checks and Cash Items__ 845 84 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------Overdrafts (if any) ___________ _ 18,673 94 Other Assets: 
 
Cash Short -------------------- 
 
78 13 
 
Capital Stock Paid in ----------$ 50,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 30,000 00 
 
Undivided P.rofits -----------Dividends Unpaid ------------- 
 
25,717 25 
 
1oo3 
 
Due to Banks in this State___ _ 1,627 77 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ------------------------ 100,463 47 Demand Certifi.cates of Deposit --------Time Certificates of Deposit __ 54,o47 53 
 
Savings Deposits -------------- --------Cashier's Checks -------------- 1,012 75 BCieJritsifPieadyaCbhleec_k_s__-_-_-__-_-_-_-_-_-_-_-_-_-_- ii5~oilo-oo 
 
Notes and Bills Rediscounted__ 7,1'54 83 Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ____________ --------- 
 
ROethseerrveLifaobrilIintiteesre_s_t_a__n_d__T_a_x__e_s__-_-_-_-_-_-_-_--_ 
 
Total ------------------------$385~48 4P Total ------------------------$385,54'8 4~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$248,152 37 Capital Stock Paid in --------$ 50,000 00 Demand Loans ---------------- 24,689 0? Amount Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 35,722 37 Surplus Fund ---------------- 30,000 00 
 
United States Bonds ---------- 17,301 34 Undivided Profits ------------ '27,010 86 
 
Other Stocks and Bonds ______ --------- Dividends Unpaid -------------- --------Banking House --------------- 3, 783 34 Due to Banks in this State____ 4,998 19 Furniture and Fixtures ______ 7,221 5? Due to Banks in other States --------- 
 
Othe.r Real Estate Owned______ --------- Call Money -------------------- --------Due from Banks in this State 7,058 30 Individual Deposits Subject to 
 
Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver. Nickels. Pennies ______ Advances on Cotton __________ 
 
1,821 10 
599 00 --------- 
1,265 7F 5,441 91 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit __ 
STarvuisntgFs uDnedpsosoints D-e-p--o-s-i-t --_-__-_-_-_- 
 
_8_9_,0_3__4__27_ 47,152 98 
_-_-_-_-_-_-_-_--_ 
 
Advances on other Commodities 1,527 10 Cashier's Checks -------------- 1,693 97 Checks for Clearing House____ --------- Certified Checks -------------- ________ _ 
 
Other Checks and Cash Items 1,045 71 Bills Payable ------------------ 110.500 00 
 
Cm<tomers' Liability on Letters 
 
Notes and Bills Rediscounted 2,01l9 33 
 
of Credit and Acceptances__ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ____________ 6,110 68 rowed Money ---------------- ________ _ 
 
Other Assets: Profit and Loss Account ______ 
 
Liability on Letters of Credit 726 10 and Acceptances ------------ ________ _ 
 
Reserve for Interest and Taxes ________ _ 
 
Other Liabilities: 
 
Safety Box Rent -----------~ 
 
6 00 
 
Total ---------- --------------$362,4'6'5 60 Total ------------------------$362,465 60 
 
 362 
 
BANKING DEPARTMENT 
 
EXAM'INER'S REPOR'l'. 
 
FARMERS & MERCHANTS BANK, McDONOUGH. 
 
At Close of Business October 4, 1920. 
 
President-H. J. Turner. Vice-President-W. D. Tarpley. Cashier-J. B. Turner. 
 
Director-H. J. Turner, W. D. Tarpley, D. J. Green, W. J. Turner, vV. W. Turner, 
C. C. Fargason, W. A. Ammons, W. N. Gilmore. 
 
Date of Charter-March 8, 1911. 
 
Began Business-March 8, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$227,025 34 Capital Stock Paid in ________ $100,000 00 
 
Demand Loans ---------------- 64,282 28 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ----------------- 8,80"0 00 United States Bonds __________ ~.841l 00 Undivided Profits ------------- 11,061 92 
 
Other Stocks and Bonds ______ --------- Dividends Unpaid -------------- --------- 
 
Banking House ---------------- 3,800 fiO Due to Banks in this State __ --------- 
 
Furniture and Fixtures ______ 2,300 00 Due to Banks in other States 
 
Other Real Estate Owned______ --------- Call Money -------------------- --------Due from Banks in this State 3,402 74 Individual Deposits Subject to 
 
Due from Banks in othe.r States 2.056 43 Check ----------------------- 103,409 56 Currency ---------------------- 2,53"2 00 Demand Certificates of Deposit ________ _ Gold --------------------------- ________ _ Time Certificates of Deposit___ 45,405 "~ 
 
Silver, Nickels, Pennies ------ 2:!0 17 Savings Deposits -------------- ________ _ Advances on Cotton __________ 14,478 40 Cashier's Checks -------------- 454 8:1 
 
Advances on other Commu1ities ________ _ Certified Checks -------------- --------- 
 
Checks for Clearing House and 
 
Bills Payable ------------------ 60,000 00 
 
other Checks and Cash Items 2,343 08 Notes and Bills Rediscounted__ ________ _ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------- ________ _ 
 
Ovel'drafts (if any) ------------ 1, 785 45 Liability on Letters of Credit 
 
Other Assets ------------------ --------- and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$329,111 ~9 Total ------------------------$329,11!"1 89 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$215,181 59 Capital Stock Paid in ________ $100,000 00 
 
Demand Loans ---------------- 31,777 94 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds __________ Other Stocks and Bonds ______ 
Banking House ---------------Furniture and Fixtures ______ 
 
46,826 4,000 
 
o43c 
 
800 00 
 
3,800 00 2,300 00 
 
Surplus Fund ---------------- 8,800 00 Undivided Profits ------------- 11,840 00 Dividends Unpaid ____________ --------Due to Banks in this State __ ________ _ Due to Banks in other StRtes ________ _ 
 
Other Real Estate Owned______ --------- Call Money -------------------- --------Due f.rom Banks in this State 6,933 32 Individual Deposits Subject to 
 
Due from Banks in other States 2,037 4F Check ----------------------- 62,887 97 
 
CuNency ---------------------Gold ---------------------- ____ _ Silver, Nickels, Pennies ______ 
Advances on Cotton ---------Advances on other Commodities 
 
3,102 00 
---m-83 
7,330 98 ________ _ 
 
Demand Certificates of Deposit Time Certificates of Deposit __ STarvuisntgFs uDnedpsosoHns D-e-p--o-s-i-t --_-_-__-_-_- 
Cashier's Checks -------------- 
 
--------43,631 13 -_-_-__-_-_-_-_-_- 
31! 56 
 
Checks for Clearing House____ _______ _ Certified Checks -------------- --------- 
 
Other Checks and Cash Items 2,012 15 Bills Payable ---------------- 100,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted-- --------- 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ---------- 682 9il rowed Money ---------------- --------Other Assets ------------------ ________ _ Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$327,193 62 Total ________________________$327,193 62 
 
 FIRST ANNUAL REPORT 
 
363 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK, McRAE. 
 
At Close of Business October 12, 1920. 
 
President-J. F. Cool<. Vice-Pres1idents-E. D. Graham, T. J. Smith. 
 
Cashier-J. F. Cook. 
 
Directors-J. F. Cook, W. J. Clark, E. D. Graham, W. D. Horton, F. A. Smith, 
 
T. J. Smith, A. L. Ryals. 
 
Date of Charter-March 21, 1906. 
 
Began Business-June 3, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$193,972 60 Demand Loans ---------------- 24,061 59 Loans Secured by Real ~state 35 639 29 United States Bonds __________ 15:500 00 Other Stocks and Bonds ______ --------Banking House ------------- ___ 2,500 00 Furniture and Fixtures ________ 2,657 67 Other Real Estate Owned ____ 95'5 80 Due from Banks in this State 64,803 00 Due from Banks in other States 5,264 82 CGoulrdren__c_y__-_-_-_-_-_-__-_-_-_-_-_-,-_-_-_-_-_-_-_-_-_-_ --4-,2-8-1---00- 
Silver, Nickels, Pennies ______ 1,358 85 Advances on Cotton __________ 4,212 73 
Advances on other Commodities --------Checks for Clearing House____ ________ _ Other Checks and Cash Items__ o15 33 Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any) __________ 238 88 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ----------$ 50,000 00 Amount Reserved for Branches Surplus Fund ---------------- 35,000 00 Undivided Profits ------------ 8,868 53 Dividends Unpaid -----------Due to Banks in this State __ 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 140,141 15 Demand Certificates of Deposit Time Certificates of Deposit _ 120,44] 31 Savings Deposits -------------Trust Funds on Deposit ------ 
 
Cashier's Checks -------------Certified Checks -------------Bills PaYable -----------------Notes and Bills Rediscounted-Certificates of Deposit for Bor- 
 
476 31 
 
Liraobwileitdy MoonneLye-tt-e-r-s---o-f--C--r-e-d-i-t 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities: 
 
Cash Long -------------------- 1,043 26 
 
Total ------------------------$355,971 56 Total ------------------------'$355,971 56 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$148,3\)3 03 
 
Demand Loans ---------------- 27,567 30 Loans Secured by Real Estate 60,924 70 United States Bonds __________ 15,500 00 
 
Other Stocks and Bonds_______ --------- 
 
Banking House ---------------- 2,500 00 Furniture and Fixtures ________ 2,657 67 
 
Other Real Estate Owned ____ 873 30 
 
Due from Banks in this State 35,714 99 
 
Due from Banks in other States 18,676 46 
 
Currency ---------------------- 3,943 Of 
 
Gold ------------------.-------- _________ Silver, Nickels, Pennies ______ 1,952 16 
 
Advances on Cotton __________ --------- 
 
Advances on other Commodities --------Checks for Clearing House __ 274 01 Other Checks and Cash Items 299 50 Custome,rs' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Ove,rdrafts (if any) ------------ 
 
6 46 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ----------$ 50,000 00 Amount Reserved for Branches Surplus Fund ----------------- 35,000 00 Undivided Profits ------------ 8,435 80 Dividends Unpaid -----------Due to Banks in this State __ Due to Banks in other States-- 
Call Money -------------------Jndi.vidual Deposits Subject to 
Check ----------------------- 93,46U 90 
r6 Demand Ce,rtificates of Deposit 
Time Ceo-tificates of Deposit-_ 12o,1l02 
Savings DeposHs -------------Trust Funds on Deposit -----Cashier's Checks -------------- 1,503 72 Certified Checks -------------Bills Payable -----------------~ 10,000 00 Notes and Bills Rediscounted-Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
Total ------------------------$319,252 5: Total ------------------------$319,252 58 
 
 r 
I 
 
364 
 
BANKING DEPARTMENT 
 
EX.A:MINEB'S B.EPOB.'l!'. 
 
MERCHANTS BANK, McRAE. 
 
At Close of Business July 28, 1920. 
 
President-a. F. McRae. Vice-President-C. A. Ryals. Cashier-0. T. McRae. 
 
Directors-0. T. MoRae, C. A. Ryals, S. P. Aiken, G. A. Burch, E. F. McRae, 
 
\V. H. Born, H. E. Pritchett. 
 
Date of Charter-March 13, 1900. 
 
Began Business-March 13, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$280,711 24 
 
Demand Loans ---------------- --------- 
 
Loans Secured by Real Estate --------United States Bonds __________ 38,500 1JO 
 
Other Stocks and Bonds ______ 1,000 fj0 Banking House ______________ 7,000 10 
 
Furniture and Fixtures ______ 3.0CG 10 
 
Othe.r Real Estate Owned______ --------- 
 
Due from Banks in this State 36,392 82 
 
Due from Banks in other States 7,726 97 
 
Currency ---------------------- 5,18"2 00 
 
Gold -------------------------- 1,380 00 Silver, Nickels, Pennies ______ 1,924 94 
 
Advances on Cotton ---------- ________ _ 
 
Advances on other Commodities --------- 
 
Checks for Clearing House __ 403 94 
 
Other Checks and Cash Items 1,852 05 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ _ 
 
Overdrafts (if any) __________ --------- 
 
Other Assets __________________ 
 
12 50 
 
Capital Stock Paid in --------$ 50,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits ------------Dividends Unpaid -----------Due to Banks in this State __ Due to Banks in other States 
 
11,500 00 12,181J 24 
 
Call Money ---------------"---Individual Deposits Subject to 
Check ----------------------- 181,011 11 Demand Certificates of Deposit 2,000 00 Time Certificates of Deposit__ 125,676 00 Savings Deposits -------------Cashier's Checks -------------- 2, 719 11 
 
Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted-Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
. Total -----------------------$385,086 46 
 
Total -----------------------$38&,,086 46 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$197,365 06 Demand Loans ---------------- 10,740 30 Loans Secured by Real Estate 56,720 00 United States Bonds ________ 38,900 0~ Other Stocks and Bonds ______ 1,000 00 Banking House ______________ 7,000 00 Furniture and Fixtures ______ .3 0(1() 00 
Other Real Estate Owned______ --------Due from Banks in this State 15,278 95 Due from Banks in other States 15,988 1f Currency ---------------------- 3,533 00 Gold -------------------------- 1,482 5'1. Silver, Nickels, Pennies ______ 2, 7T5 ~1 
Advances on Cotton ---------- 19,468" 92 Advances on other CommoJitit"' --------Checks for Clearing House____ --------Other Checks and Cash Items l,lr.l6 43 Custome.rs' Liability on Letters 
of Credit and Acceptances__ --------Overd.rafts (if any) __________ --------- 
Other Assets ------------------ --------- 
 
Capital Stock Paid in --------$ 50,000 00 Amount Reserved for Branches ------- Surplus Fund ------------------ 11,500 00 Undivided Profits ------------- 10,834 54 Dividends Unpaid ------------ --------Due to Banks in this State ____ --------Due to Banks in other .States --------Call Money ------------------ ------ - _ Individual De.posits Subject to 
Check ----------------------- 148,728 02 Demand Certificates of Deposit --------Time Certificates of Deposit___ 92,111 57 Savings Deposits -------------- 4,261 95 Trust Funds on Deposit _____ _ 
Cashier's Checks -------------- 2,592 85 Bills Payable ____ -------------- 55,000 llo Notes and Bills Rediscounted __ --------Certificates of Deposit for Bor- 
rowed Money ---------------- ________ _ Liability on Letters of ,credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total -----------------------$375,02"9 23 Total -----------------------$375,029 23 
 
 FIRST ANNUAI, REPORT 
 
365 
 
E:X:Allr'II:N'EB.'S :REPORT. 
 
MACON SAVINGS BANK, MACON. 
At Close of Business November 2, 1920. 
 
P.resident-Jesse B. Hart. Vice-President-J. W. Cannon. Cashier-Maitland Soloman. 
 
Directors-Jesse B. Hart, R. G. Jordan, J. F. Hart, J. W. Cannon, G. B. Jewett, G. G. iHaJ"deman, E. G. Jacobs. 
 
Date of Charter-March 2, 1874. 
 
Began Business~January 17, 1875. 
 
RESOURCES 
 
LIABILITIES 
 
Loans of All Kinds ----------$531,770 44 United States Bonds -------- 6,916 20 Other Stocks and Bonds ______ 12,166 38 
 
Banking House ---------------- 40,000 00 Furniture and Fixtures ______ 1,325 r1 
 
Other Real Estate Owned ____ --------Due from Banks in this State 7,313 31 Due from Banks in other States 6,156 46 
 
Currency ____ -------------- 3,537 00 
 
SGiolvlder,--N--i-c-k-e-l-s,--P--e-n-n-i-e-s---__-_-_-_-_-_- 
 
297 50 518 67 
 
Advances on Cotton __________ --------- 
 
Advances on other Commodities --------Checks for Clearing House __ 663 17 
 
Other Checks and Cash Items 1,21)8 84 Customers' Liability on Letters 
 
of Credit and Acceptances - _------ __ Overdrafts (if any) __________ --------Other Assets: 
 
Cash Short ------------------- 
 
1 60 
 
Capital Stock Paid in --------$ 50,000 00 
 
Amount Reserved for Branches surplus Fund ---------------- 
 
5-o~ooo-oii 
 
Undivided P.rofits ------------- Z7,491 94 
 
Dividends Unpaid ------------- --------Due to Banks in this S1.ate_ __ _ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ------------------------ --------Demand Certificates of Deposit 440 07 
 
Time Certificates of Deposit__ 106,935 67 
 
Trust Funds on Deposit ------ --------Savings Deposits -------------- 298,684 95 
 
Cashier's Checks -------------- 372 85 
 
Certified Checks -------------- --------Bills Payable ------------------ 78,000 00 Notes and Bills Rediscounted _ --------Certificates of Deposit for Bor- 
rowed Money __ c_____________ --------- 
 
Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$611,925 48 Total ------------------------$611,925 48 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIE'S 
 
Time Loans -------------------$202,635 39 Demand Loans ---------------- 10,326 13 Loans Secured by Real Estate 301 355' 88 
 
United States Bonds ---------- 3;562 95 Other Stocks and Bonds ______ 17,533 24 
 
Banking House ---------------- 40,000 1JO Furniture and Fixtures ------ 1,325 91 Other Real Estate Owned ___ _ 
 
Due from Banks in this State 7,433 22 
 
Due from Banks in other States 
Currency ---------------------Gold -------------------------Silver, Nickels, Pennies ------ 
 
4,005 2G 
4,916 00 
232 50 703 77 
 
Advances on Cotton ---------- --------Advances on other Commodities --------Checks for Clearing House ____ 3,78'5 95 Other Checks and Cash Items__ ________ _ 
 
Customers' Liability on Letters 
 
of Cred,it and Acceptances__ --------Overdrafts (if any) __________ --------- 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in --------$ 50,01JO 00 
 
Amount Reserved for Branches Surplus Fund ----------------- 
 
-5-0~000-00 
 
Undivided Profits ------------ 33,698 36 
 
Dividends Unpaid ------------Due to Banks in this State ___ _ 
 
Due to Banks in other States-- 
 
Christmas Savings Club ------ 7,342 60 
 
Individual Deposits Subject to 
 
DCemheacnkd -C--e-r-ti-f-i-c-a-t-e-s--o-f--D-e-p--o-s-i-t Time Certificates of Deposit___ 92,500 00 
Savings Deposits ------------- 277,525 97 Trust Funds on Deposit -----Cashier's Checks -------------- 2, 749 27 Due on Bank Building -------- 30,000 00 Bills Payable ------------------ 54,000 00 Notes and Bills Rediscounted _ Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities -------------- 
 
Total ------------------------$597,816 20 Total ---------- --------------$597,8f6' 20 
 
 366 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.T. 
 
THE MERCHANTS & MECHANICS SAVINGS BANK, MACON, 
 
At Close of Business November 3, 1920. 
 
President-W. T. Morgan. Vice-Rresident-W. A. Taylor. Cashier-T. W. Hawkes. 
 
Directors-W. 'l'. Morgan, Jno. F. Lackay, G. F. Gilleland, Sr., W. A. Taylor, Jesse 
 
B. Hart, Chas. C. Morgan. T. IV. Hawkes, Jno. B. Harris. 
 
Date of Charter-January 17, 1910. 
 
Began Business-January 3, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$126,223 81 
 
Demand Loans --------------- 14,4lm &6 Loans Secured by Real Estate 55,457 11 
 
United States Bonds ---------- 12,853 19 Other Stocks and Bonds ______ 765 00 
 
Banking House ---------------- --------Furniture and Fixtures ---- - - --------Other Real Estate Owned ____ --------Due from Banks in this State 19,417 13 Due from Banks in other States 2,475 59 
 
Currency ---------------------- 13,758 00 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_-_- 
 
1,462 5G 1,003 95 
 
Advances on Cotton ---------- --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House __ 379 97 
 
Other Checks and Cash Items 
 
46 64 
 
Customers Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ---------- --------Other Assets ------------------ 6,000 00 
 
Capital Stock Paid in __________$ 25,000 00 
 
Amount Reserved for Branches 
Surplus Fund -----------------Undivided Profits ------------Dividends Unpaid ------------Due to Banks in this f.t:ate ___ _ Due to Banks in oth<ft States__ 
 
12,500 00 4,520 11 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 117,392 48 Demand Certificates of Deposit Time Ce.rtificates of Deposit -- 800 00 Savings Deposits ------------- 92,995 51 Trust Funds on Deposit -----Cashier's Checks -------------- 1,088 45 Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted _ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$254,296 55 Total -----------------------$254,29{) 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$119,408 20 Demand Loans ---------------- 7,8(}2 00 Loans Secured by Real Estate 54,03~ 53 
United States Bonds ---------- 12,853 19 Other Stocks and Bonds ______ 765 00 
 
Banking House ---------------- --------Furniture and Fixtures ____ - __ __ ------Other Real Estate Owned ____ ________ _ 
 
Due from Banks in this State 19,965 04 Due from Banks in other States --------- 
 
Currency ---------------------- 13,839 00 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s-------------- 11,,406925 5102 
Advances on other Commodities --------Checks for Clearing House____ --------Other Checks and Cash Items__ --------Customers' Liability on Letters 
 
of Credit and Acceptances__ --------Overdrafts (if any) ---------Other Assets: 
 
Cash Short -------------------- 
 
26 01 
 
Capital Stock Paid in ----------$ 25,000 00 
Amount Reserved for Branches --------Surplus Fund ---------------- 12,500 00 Undivided Profits ------------- 4,482 70 Dividends Unpaid ------------- --------Due to Banks in this State____ --------Due to Banks in other States 209 63 
Call Money -------------------- --------Individual Deposits Subject to 
Check ---------------------- 100,287 09 Demand Certificates of Deposit --------Time Ce.rtificates of Deposit __ 600 00 Savings Deposits -------------- 87,444 38 Trust Funds on Deposit ------ ----- ---Cashier's Checks -------------- 730 79 Certified Checks -------------- --------Bills Payable ------------------ --------Notes and Bills Rediscounted _ --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Cre::lit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$231,254 59 Total ------------------------$231,25'4 59 
 
 FIRST ANNUAL REPORT 
 
367 
 
EXAMINEB.'S BEPOBT. 
 
BANK OF MADISON, MADISON. 
 
At Close of Business August 5, 1920. 
 
President-Lee Trammell. Vice-President-G. D. Perry. Cashier-E. G. Atkinson. 
 
Directors-Lee Trammell, G. D. Perry, E. G. Atkinson, J. E. Godfrey, J. H. Hunter, 
 
B. S. Thompson, F. C. Newton, J. H. Harris, E. W. Butler, C. P. Crew, 
 
W. H. Kimbrough, B. M. Atkinson. M. H. Higgenbothem, W. 
 
H. Adams, R. W. Parker, W. P. Beardon, M. F. 
 
Brooks, J. H. Trout, J. T. Hollis, 
 
J. F. Stovall. 
 
Date of Charter-lDecember 216, 188.S. 
 
Began Business-Januoo-y 2, 1890, 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$306,787 59 Capital Stock Paid in ________$100,000 00 Demand Loans ---------------- 33,600 00 Amount Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds__________ 
 
32,924 33 ________ _ 
 
Surplus Fund -----------------Undivided Profits -------------- 
 
Other Stocks and Bonds ______ 171,792 63 Dividends Unpaid ------------ 
 
BFuanrnkiitnugreHoaunsde -F-i-x-t-u-r-e-s-_-_-_-_-_-_-_- 
 
--------9,008 00 
 
Due to Banks in this State____ Due to Banks in other States__ 
 
_ ______ __ _______ __ 
 
Other Real Estate Owned ____ ________ _ Call Money -------------------- --------- 
 
Due from Banks in this State 28,706 &2 Individual Deposits Subject to 
 
Due from Banks in other States 40.600'74 Check ----------------------- 419,927 42 
 
Currency ---------------------- 7,270 00 Demand Certificates of Deposit --------- 
 
.GSoillvder-, --N-i-c-k-e-l-s-,--P--e-n-n--ie--s-_-_-_-_-_-_- 
 
--1-,1-5-9--2-9- 
 
Time Certificates of Deposit __ Savings Deposits -------------- 
 
9,939 78 --------- 
 
Advances on Cotton __________ 28,861 31 Trust Funds on Deposit ______ --------- 
 
Advances on other Commo1itieo _______ _ Cashier's Checks -------------- --------Checks for Clearing House __ 1,593 78 Certified Checks -------------- ________ _ 
 
Other Checks and Cash Items__ 554 52 Bills Payable ------------------ 50,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted _ --------- 
 
of Credit and Acceptances.. ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ 1,766 87 rowed Money ---------------- _____ ..__ _ Other Assets ------------------ _______ __ Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$664,625 3' Total ------------------------$664,625 38 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$405,744 64 Capital Stock Paid in --------$100,000 Oll 
 
Demand Loans ---------------- 36,021 22 Amount Reserved for Branches --------Loans Secured by Real Estate ________ _ Surplus Fund ----------------- 80,000 00 United States Bonds__________ ________ _ Undivided Profits -------------- 7,921) ~;; 
 
Othe.r Stocks and Bonds ______ Banking House and Furniture 
and Fixtures ---------------Other Real Estate Owned ___ _ Due from Banks in this State 
 
98,780 55 
9,008 00 3,000 00 12,146 61 
 
Dividends Unpaid -------------Due to Banks in this State____ Due to Banks in other States__ 
Call Money -------------------Individual Deposits Subject to 
 
170 00 ________ _ _______ __ 
--------- 
 
Due from Banks in other States Currency ---------------------- 
 
5.02o 81 8,064 00 
 
DeCmhaenckd C--e-r-ti-f-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 2_5_1_,5__9_6__63_ 
 
GSiollvder-, --N-i-c-k-e-l-s-.--P--e-n-n-i-e-s---_-_-__.._-_- 
 
--2.,:.m-&..7..8. 
 
Time Certificates of Deposit__ Savings Deposits -------------- 
 
9,008 2!'> 50,54'1 06 
 
Advances on Cotton ---------- 61,8ml 4r Trust Funds on Deposit ______ --------- 
 
Advances on other Commodities --------- Cashier's Checks -------------- 1,237 31 
 
Checks for Clearing House ____ 2,302 64 Certified Checks -------------- 716 00 
 
Other Checks and Cash Items__ ________ _ Bills Payable ------------------ 145,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted _ --------- 
 
of Credit and Acceptances__ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ 1,932 19 rowed Money ---------------- --------Other Assets ------------------ --------- Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- _______ __ 
 
Total ------------------------$646,197 90 Total ------------------------$646,197 90 
 
 r 
 
368 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S BEPOB'l'. 
 
MORGAN COUNTY BANK, MADISON. 
 
At Close of Business JWy 26, 1920. 
 
President-C. E. Thomas. YicePl'eiSident-J. F. Bl'aughton. Cashiel'--W. G. Thompson. 
Directors-C. L. C. Thomas, J. F. Baughton, W. G. Thompson, Louis Cohen, T. H. Holland, W. T. Baugh, D. P. Few, W. E. Sheppard, Thos. Wray, P. M. Atkinson. 
 
Date of Charter-May, 1899. 
 
Began Business-May, 1899. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$272,131 83 
 
Demand Loans ---------------- 16,271 82 Loans Secured by Real Estate 25,070 00 United States Bonds__________ 5,000 00 
 
Other Stocks and Bonds - -Banking House and Furniture 
 
and Fixtures ---------------- 5.000 00 Other Real Estate Owned ____ _____ . _- 
 
Due from Banks in this State 8,049 52 
 
Due from Banks in other States Currency ---------------------- 
 
2,289 5,643 
 
o78r 
 
GSiollvder,---N-i-c-k-e-l-s-,--P-e--n-n-i-e-s--_-_-_-_-_-_- .. -1-,780--6-2- 
 
Advances on Cotton ---------- --------Advances on other Commodities --------Checks for Clearing House ____ 125 96 
 
Other Checks and Cash Items 5,017 51 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ------------ 
 
41 14 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in --------$ 50,01!'0 00 Amount Reserved for Branches --------Surplus Fund ------------------ 20,000 00 Undivided Profits ------------- 2,140 14 Dividends Unpaid ------------- --------Due to Banks in this State____ --------Due to Banks in other States __ --------- 
Call Money -------------------- --------Individual Deposits Subject to 
check ----------------------- 123,186 75. Demand Certificates of Deposit --------Time Certificates of Deposit_ __ 20,768' 40 
Savings Deposits -------------- 29,803 59 Trust Funds on Deposit ______ --------- 
Cashier's Checks -------------- --------Certified Checks -------------- 522 30 Bills Payable ------------------ 100,000 00 Notes and Bills Rediscounted _ --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ _____ --Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$346,421 lt Total ------------------------$346,421 18 
 
I!ANIK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$208,813 08 
 
Demand Loans ---------------- 20,148 39 Loans Secured by Real Estate 35,677 00 United States Bonds__________ --------- 
 
Other Stocks and Bonds --- Banking House and Furniture 
 
and Fixtures ---------------- 5,000 00 Other Real Estate Owned ____ --------- 
 
Due from Banks in this State 8,785 17 
 
Due from Banks in other States 582 41 
 
Curl'ency ---------------------- 2,198 00 
 
SGiolvlder,--N--i-c-k-e-l-s.--P--e-n-n-i-e-s--_-_-_-_-_-_-_- 
 
30 00 1,851 90 
 
Advances on Cotton ---------- --------Advances on othe.r Commodities --------Checks fo,r Clearing House ____ 187 13 
 
Other Checks and Cash Items 2,231 Of 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ _ 
Overdrafts (if any) __________ ________ _ 
 
Other Assets ----------------- ________ _ 
 
Capital Stock Paid in --------$ 50,000 00 
 
Amount Reserved for Branches Surplus Fund ------------------ 
 
-2-o~ooo-oo 
 
Undivided Profits -------------- 35'1 56 
 
Dividends Unpaid ------------- 
 
Due to Banks in this State___ _ 
 
Due to Banks in other States __ 
 
Call Money -------------------- 
 
Individual Deposits Subject to 
 
Check ----------------------- 88,373 74 
 
Demand Certificates of Deposit Time Certificates of Deposit __ 
 
1-7~58'5-9o 
 
Savings Deposits -------------- 28,398 16 Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 794 77 Certified Checks -------------Bills Payable ------------------ 80,000 00 Notes and Bills Rediscounted _ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total -----------------------$285,504 13 Total ------------------------$285,504 13 
 
 FIRST ANNUAL REPORT 
 
369 
 
EXAM:INEB.'S B.EPOB.T. 
 
BANK OF MANCHESTER, MANCHESTER. 
 
At Close of Business August 2, 1920. 
 
President-W. Truitt. Vice-President-Jas. S. Peters. Cashier-D. H. Smith. 
 
Directors-W. Truitt, J. S. Peters, J. H. Edmondson, P. G. Autrey, J. M. Barnes, 
 
W. H. Routon, A. P. Bulloch, J. P. Corley, E. Brown, B. Minkoff, 
 
J. H. Cotter, B. A. Dunne, S. G. Smith, W. W. 
 
Arnold, Jr., M. M. Trotter, Jr. 
 
Date of Charter-January 28, 1910. 
 
Began Business-February 1, 1910. 
 
RESOURC:8S 
 
LIABILITIES 
 
Time Loans ------------------$337,880 76 Capital Stock Paid in ________ $ 50,000 00 Demand Loans ________________ 16,316 16 Amount Reserved for Branches 
 
Loans Secured by Real f<Jsta tc --------- Surplus Fund ----------------- 25,000 00 United States Bonds __________ 38,864 83 Undivided Profits -------------- 30,718 81 Other Stocks and Bonds ___ _ _ ___ ____ _ Dividends Unpaid _____________ _ 1,444 00 
 
Banking House ________________ 9,661 04 Due to Banks in this State___ _ 
 
Furniture and Fixtures ______ 3,ooo 00 Due to Banks in other States-- 
 
Other Real Estate Owned ____ --------- _ Call Money -------------------- 
 
Due from Banks in this State__ 29,713 79 Individual Deposits Subject to 
 
Due from Banks in other States 45,068 68 Check ----------------------- 224,081 26 
 
Currency ---------------------- 10,981 '011 Demand Certificates of Deposit 
 
Gold --------------------------- 
 
10 00 Time Certificates of Deposit_ __ 41,688 96 
 
ASidlvvearn, ceNsicoknelsC, oPtteonnni_e_s___-_-_-_-_-_- 
 
1,090 73 ________ _ 
 
Savings Deposits ------------Cashier's Checks -------------- 
 
64,&79 Rfi 1,190 06 
 
Advances on othe.r Commodities ________ _ Certified Checks -------------- 
 
48 87 
 
Checks for Clearing House ____ 
 
494 5fi Bills Payable ------------------ 40,000 00 
 
Other Checks and Cash Items 278 81 Notes and Bills Rediscounted __ 114,4()!; 65 
 
Customers' Liability on Letters of Credit and Acceptances__ --------- 
 
CerrotwifeicdatMesonoefyD_e_p_o__s_it__f_o_r__B__o_r_- 
 
Overdrafts (if any) __________ 384 32 Liability on Letters of Credit 
 
Other Assets ------------------ 
 
52 and Acceptances ___________ _ 
 
Cash Short -------------------- --------- Reserve for Interest and Taxes 500 00 
 
Collections -------------------- 272 80 Other Liabilities -------------- 
 
Total ------------------------$494,017 99 Total ------------------------$494,017 99 
 
BANK'S STAT:8MEN'.P at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$298,289 51 Demand Loans ---------------- 26,348 18 Loans Secured by Real Estate --------United States Bonds __________ 39,753 74 Other Stocks and Bonds ______ _ 
 
Banking House -------------- 9.661 P' Fu.rniture and Fixtures ________ 3,000 00 
 
Other Real Estate Owned _____________ 
 
Due. from Banks in this State 44.S23 0' 
 
Due from Banks in other States 5,763 R" 
 
Currency ---------------------- 8,901 00 
 
Gold --------------------------- 
 
55 00 
 
Silver, Nickels, Pennies -------- 2,296 9:' 
 
Advances on Cotton __________ ________ _ 
 
Advances on other Commodities --------Checks for Clearing House__ --------Other Checks and Cash Items 877 62 Customers' Liability on Letters 
of Cred.it and Acceptances__ --------Overd,rafts (if any) ---------- 1,383 96 Other Assets: 
 
Collections --------------------- 235 00 
 
~ 
Capital Stock Paid in --------$ 50,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ------------------ 25,000 00 Undivided Profits ------------- 35,491 00 Dividends Unpaid ____________ _ 
 
Due to Banks in this State___ _ 
 
Due to Banks in other States-- 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ------------------------ 169,589 40 Demand Certificates of Deposit 
 
Time Certificates of Deposit __ 38,208 12 
 
Savings Deposits -------------- 68,231 1~ Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 659 73 
 
Certified Checks -------------- 
 
48 87 
 
Bills Payable ------------------ 45,000 00 
 
Notes and Bills Rediscounted-- 8,360 00 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
500 uo 
 
Other Liabilities -------------- 
 
Total ------------------------$441,088 2F Total ------------------------$411,08'8" 28 
 
 r 
 
370 
 
BANKING DEPARTMENT 
 
EXA'MINER'S REPORT. 
 
THE STATE BANK, MANCHESTER. 
 
At Close of Business September 4, 1920. 
 
President-W. E. Smith. Vice-President-Harry Huddleston. Cashier-J. w. Peavy. 
 
Directors-W. E. Smith, J. W. Peavy, Harry Huddleston, H. R. Routon, A. Hoffman, 
 
A. J. Barnes. 
 
Date of Charter--lJune 15, 1914. 
 
Began Business~July 15, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$231,431 82 Capital Stock Paid In__________ $ 16,000 00 
 
Demand Loans ---------------- 1,397 5F Amount Reserved for Branches --------- 
 
Loans Secured by RPal Estate United States Bonds__________ Other Stocks and Bonds ______ Banking House --------------Furniture and Fixtures________ 
 
--------9,599 95 
... ___ --3,107 0" 3,500 00 
 
Surplus Fund ----------------- 5,000 00 Undivided Profits ------------- 6,836 53 DDiuveidteondBsanUknspainidth-i-s--S-t-a-t-e-_-_-_-_- -_-_-_-__-_-_-_--_ Due to Banks in other States___________ 
 
Other Real Estate Owned______ 1,500 00 Call Money -------------------- 64,500 00 
 
Due from Banks in this State__ 11,184 4? Individual Deposits Subject to 
 
Due from Banks in other States 2,773 39 Check ----------------------- 74,767 19 
 
Currency ---------------------- 1, 73'8 or Demand Certificates of Deposit 7,500 00 
 
Gold --------------------------Silver, Nickels. Pennies________ Advances on Cotton ____________ .. Advances on other Commodities Checks for Clearing House____ 
 
62 50 826 19 ________ _ --------________ _ 
 
Time Certificates of Deposit__ Savings Deposits _____________ _ 
Trust Funds on Deposit ______ Cashier's Checks ______________ Certified Checks ______________ 
 
23,461 46 57,514 17 --------1,818 09 --------- 
 
Other Checks and Cash Items 1,951 80 Bills Payable ------------------ 15,000 00 
 
Customers' Liability on Lette>rs 
 
Notes and Bills Rediscounted _ --------- 
 
of Credit and Acceptances__ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ___________ _ 403 67 rowed Money ---------------- --------- 
 
Other Assets ------------------ 218 40 Liability on Letters of Credit 
 
Deposito;rs' Guarantee Fund .... 2,702 70 and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------ ______ $272,397 4  Total ------------------------$27~397 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----~--------------$151,251 92 
 
Demand Loans ---------------- 8.335 48 Loans Secured by Real Estate 77.649 16 United States Bonds___________ 10,246 50 
 
Other Stocks and Bonds .. _________ ... ---- 
 
Banking House ---------------- 3,107 On Furniture and Flixtures ______ 3.500 00 
 
Othe,r Real Estate Owned______ 1.500 On 
 
Due from Banks in this State.... 7,412 4~ 
 
Due from Banks in other States 1.280 77 
 
Currency ---------------------- 2,450 00 
 
Gold --------------------------- 
 
50 on 
 
Silver, Nickels. Pennies________ 937 60 
 
Advances on Cotton____________ 400 00 
 
Advances on other Commodities --------Checks for Clearing House_____ 769 84 
 
Other Checks and Cash Items 533 53 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------Ove.rdrafts (if any)____________ 1,602 91 
 
Other Assets: 
 
Revenue Stamps -------------- 161 00 Depositors' Guarantee Fund___ 2,702 70 
 
Capital Stock Paid In__________$ 16,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------- 5,000 00 Undivided Profits ------------- 7,762 98 
 
Dividends Unpaid ------------Due to Banks in this State ___ _ 3,000 00 Due to Banks in other States __ 48,000 00 
 
Call Money -------------------Individual Deposits Subje-ct to 
 
DeCmhaenckd C--e-,r-t-if-i-c-a-t-e-s--o-f--D-e--p-o-s-i-t Time Certificates of Deposit__ Savings Deposits _____________ _ Trust Funds on Deposit _____ _ 
 
61,527 90 
2fi.201 24 53,780 12 
 
CCearsthifiieerd's CChheecckkss -_-_-_-__-_-_-_-_-_-_-_-_--_ 
 
988 57 
 
Bills Payable ------------------ 47,500 00 Notes and Bills Rediscounted __ 5,130 08 Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$273,890 89 Total ------------------------$273,890 89 
 
 FIRST ANNUAL REPORT 
 
371 
 
EXAMINER'S REPORT. 
 
BANK OF MANSFIELD, MANSFIELD. 
 
At Close of Bus.iness September 25, 1920. 
 
President-J. M. Hurst. Vice-President-E. W. Adams. Cashier-Joe S. McGarity. 
 
Directors-J. M. Hurst, G. C. Adams, \V. B. Beckwith, E. W. Adams, D. J. Adams, 
 
E. L. Almond, J. S. McGarity, W. B. Hurst, B. M. Leach. 
 
Date of Charter-September 25, 1905. 
 
Began Business-October 10, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$187,489 70 Demand Loans ---------------- 1,800 00 Loans Secured by Real Estate --------United States Bonds __________ 10,050 ()O 
 
Other Stocks and Bonds _______ -------Banking House and Furniture 
 
Otahnedr FRiexatlurEessta-t-e--O--w--n-e-d---__-_-_- __4_,_7_0_0__00_ 
 
Due from Banl<s in this State__ 8,116 27 Due from Banks in other States 1,714 43 
 
Cunrency ---------------------- 3,653 00 Gold --------------------------- ------ __ Silver, Nickels, Pennies________ 781 64 Advances on Cotton __________ 39,451 96 
 
Advances on other Commodities --------- 
 
Checks for Clearing House____ 1,324 00 
 
Other Checks and Cash Items 
 
56 24 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------Overdrafts (if any)____________ 3,062 65 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ----------$ 25,000 00 Amount Reserved for Branches Surplus Fund ------------------ 16,000 00 Undivided Profits -------------- 8,132 62 
 
Dividends Unpaid ------------Due to Banks in this State ___ _ 
 
Due to Banks in other States __ 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of DeposiL_ 
 
93,U89 93 29,585 50 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 391 84 
 
Certified Checks -------------Bills Payable ------------------ 90,000 00 Notes and Bills Rediscounted _ Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$262,199 89 Total ------------------------$262,199 89 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$137,89'1, 55 Demand Loans ---------------- 9,014 25 Loans Secured by Real Estate 18,772 00 United States Bonds__________ --------Other Stocks and Bonds ______ -------Banking House and Furniture 
and Fixtures ---------------- 4,700 00 Other Real Estate Owned ---- --------Due rom Banks in this State__ 8,646 81 Due from Banks in other States 1,358 42 Currency ----------------------- 1,051 00 
GSiollvder,--N--i-c-k-e-l-s-, --P-e-n-n--ie--s-_-_-_-__-_-____ -- 5oi-94 
Advances on Cotton ---------- 27,626 28 Advances on Cotton Seed_____ _ 199 58 Checks for Clearing House___ _ 442 58 Other Checks and Cash Items__ --------Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (Temporary) ______ 2,061 21 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ----------$ 25,()()0 00 Amount Reserved for Branches Surplus Fund ------------------ 20,000 00 Undivided Profits -------------- 435 62 Dividends Unpaid ------------ 2,500 00 Due to Banks in this State ___ _ 
 
Due to Banks in other States __ 
 
Call Money -------------------- 
 
Individual Deposits Subject to 
 
Check ----------------------- 67,353 55 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
-28~sio-oo 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 
 
90 00 
 
Certified Checks -------------Bills Payable ------------------ 55,000 00 Notes and Bills Rediscounted __ 13,579 45 Ce.rtificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$212,26'8 62 Total ------------------------$212,268 62 
 
 372 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
PEOPLES BANK, MANSFIELD. 
At Close of Business September 15, 1920. 
President-N. Z. Anderson. Vice-President-C. C. Lunsford. Cashier-J. E. Harwell. Directors-N. Z. Anderson, J. E. Harwell, C. C. Lunsford, E. H. Adams. W. G. 
Biggers, R. L. Epps, F. H. J:<'ranklin, J. C. Hays, S. R. Smith. Date of Charte:r-March 17, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$157,456 92 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 5,750 00 Amt. Reserved for Branches 
 
ULonaitnesd SSectautreesd bByonRdesal_E__s_t_a_te_ Other Stocks and Bonds_____ 
 
_- -_ _- _-_-_-_-_- -_ ________ _ 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------- 
 
Banking House ------------- 1,910 48 Due to Banks in this State__ 
 
Furniture and Fixtures______ 2,261 38 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
594 92 Call Money ---------------- 
 
Due from Banks in this State 2,283 74 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------CSGiuolvrlrdeern, -c-yN-i-c--k--e--l-s-,~---P----e--n--n--i-e---s--_--_-_--_--_Advances on Cotton_________ Advances on other Commodi- 
 
4 19 1,416 00 
562 43 --------________ _ 
 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit_ Savings Deposits ---------Trust Funds on Deposit_ ___ _ 
Cas)Jier's Checks ----------Certified Checks ------------ 
 
47,386 29 13,174 86 
84 81 
 
ties --------------------- --------- Bills Payable ---~--------- 85,000 00 
 
Checks for Clearing House __ 
 
257 79 Notes and Bills Rediscounted 6,073 95 
 
Other Checks and Cash Items 
 
170 97 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y- )- - ---------------- 
 
- -2-,-5-9-4 - -0-2 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Assets: Cash Short ---------------- 
 
Other Liabilities ----------1 77 
 
Profit and Loss ------------ 1,455 30 
 
Total --------------------$176,719 91 Total --------------------$176,719 91 
 
"l 
 
 FIRST ANNUAL REPORT 
 
373 
 
EXAMINER'S BEPOB'r. 
 
MARIETTA TRUST & BANKING COMPANY, MARIETTA. 
 
At Close of Business August 18, 1920. 
 
Presiilent.-J. D. Malone. Vice-President-A. H. Gilbert. Cashier-G. H. Sessions. 
 
Directors-J. D. Malone, A. H. Gilbert, G. H. Sessions, D. W. BlaiT, T. M. Brum- 
by, Jll"., W. A. DuPII"ee, J. J. Dan:iel, R. w. Northcutt, S. D. Rambo. 
 
Date of Charter-September 8, 1891. 
 
Began Business-May 2, 1892. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$521,817 91 Capital Stock Paid In_______ $ 75,000 00 
 
Demand Loans ------------- 124,401 35 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 20,384 00 Surplus Fund -------------- 45,000 00 
 
United States Bonds ------- 4,450 00 Undivided Profits ----------- 8,363 30 
 
Other Stocks and Bonds____ Banking House ____________ 
 
84,200 00 --- _----- 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
42 50 3,484 56 
 
Furniture and Fixtures_____ 8,675 00 Due to Banks in other States 
 
Other Real Estate Owned____ 4,550 Oo Call Money ---------------- 
 
Due from Banks in this State 4,052 73 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
16,348 60 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 350,014 07 
 
Currency -----------------GSiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ 
 
7,666 oo Time Certificates of Deposit_ 15,267 04 634 50 Savings Deposits __________ _ 183,417 10 637 82 Cashier's Checks ----------- 
 
Advances on Cotton ________ --------- Certified Checks ------------ 1,618 74 
 
Advances on other Commodi- 
 
Bills Payable -------------- 60,000 00 
 
ties --------------------- _______,__ Notes and Bills Rediscounted 71,389 17 
 
Checks for Clearing House__ 
 
377 78 Certificates of Deposit for 
 
Other Checks and Cash Items 11,740 59 Borrowed Money --------- 
 
Customers Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances ------------------- --------- Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- 
 
46 83 Other Liabilities ----------- 
 
Other Assets -------------- 2,103 37 
 
Total ____________________ 813,596 48 
 
Total --------------------813,596 48 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$521,960 39 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ------------- 83,966 00 Amt. Reserved f,or Branches --------- 
 
Loans Secured by Real Estate 18,200 00 Surplus Fund -------------- 20,000 00 
 
United States Bonds ------- 4,450 00 Undivided Profits ---------- 12,491 99 . 
 
Other Stocks and Bonds____ 79,625 00 Dividends Unpaid ---------- 
 
2 50 
 
Banking House ------------ --------- Due to Banks in this State__ 1,463 29 Furniture and Fixtures_____ 8,675 00 Due to Banks in other States 3,481 72. 
 
Other Real Estate Owned____ 4,550 00 Call Money ---------------- --------Due from Banks in this State 8,773 81 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 316,487 12 
 
State -------------------- 2,656 28 Demand Certificates -of Deposit 4,855 04 
 
Currency ------------------ 18,723 00 Time Certificates of DeposiL --------- 
 
Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton ________ 
 
852 50 2,278 25 --------- 
 
Savings Deposits ---------Trust Funds on Deposit_____ Cashier's Checks ----------- 
 
1-6-14,,783734- 
 
54 
05 
 
A~y:~c~~-~~-~~~':_~-~~~~-o_d!~ _________ ~IE~fi~~Y~~I~k~-============ -9o~5oo-oo 
 
Checks for Clearing House__ --------- Notes and Bills Rediscounted 42,931 12 
 
Other Checks and Cash Items 2,110 14 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
ances ------------------- --------- and Acceptances --------- --------Overdrafts (if any) -------- . _________ Reserve for Interest and Taxes --------- 
 
Other Assets: Interest Accrued and Uncol- 
 
Other Liabilities ----------- --------- 
 
lected ------------------- 2,000 00 
 
Total --------------------$758,820 37 Total --------------------$758,820 37 
 
 374 
 
BANKING DEPARTMENT 
 
EXA'MINEB'S BEPOBT. 
 
MERCHANTS & FARMERS BANK, MARIETTA. 
 
At Close of Business July 22, 1920. 
 
President-R. E. Butler. Vice-Presidents-R. R. Hill, J. E. Massey. Cashier-W. E. SchiJling. 
Directors-R. E. Butler, R. R. Hill, Jos. M. Brown, '.r. J. Conno.r, A. V. Corteyour, 
J. E. Dobbs, E. P. Dobbs, G. F. Hagood, A. A. Irwin, J. E. Massey, N. A. Morris, G. P. Reynolds. 
 
Date of Charter-June 16, 1911. 
 
Began Business-July 15, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$179,308 77 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds________ Other .stocks and Bonds_____ 
 
73,938 17 2,421 75 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--5~000-00 
 
1,936 50 Undivided Profits ---------- 2,824 59 
 
4,300 00 Dividends Unpaid ----------- 
 
Banking House -----------Furniture and Fixtures_____ Other Real Estate Owned ___ _ Due from Banks in this State 
 
Due to Banks in this State Due to Banks in other States Call Money ----------------Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s-_-_-_-_-_- 
 
to Check ---------------5,937 50 Demand Certificates of Deposit 5,900 00 Time Certificates of Deposit_ 
95 00 Savings Deposits ----------704 46 Cashier's Checks ----------- 
 
98,714 73 
54,642 63 162 75 
 
Advances on Cotton_________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable --------------- 75,000 00 
 
ties --------------------- --------- Notes and Bills Rediscounted Checks for Clearing House__ --------- Certificates of Deposit for 
 
Other Checks and Cash Items 1,618 42 Borrowed Money ---------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - _- _- _- _-_-_-_- -_ 
 
--------108 56 
 
Reserve for Interest and Taxes Other Liabilities ------------ 
 
Total ---------------------286,344 70 Total _____________________286,344 70 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------U60,795 11 
 
Demand Loans ------------- 60,787 88 Loans Secured by Real Estate 15,314 59 
 
United States Bonds -------- 2,253 00 Other Stocks and Bonds_____ 4,300 00 
 
Banking House ------------ --------Furniture and Fixtures_____ 3,883 08 
 
Other Real Estate Owned____ --------- 
 
Due from Banks in this State 7,252 69 
 
Due from Banks in other  
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e--n-n-i-e-s-__-_-_--_ 
 
8,858 02 3,720 00 
140 00 
507 48 
 
Advances on Cotton_________ --------- 
 
Advances on other Commodities __:____________________ --------- 
 
Checks for Clearing House 
 
and other Checks and Cash 
 
Items ------------------- 2,904 09 Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- --------- 
 
Overdrafts (if any) -------- 
 
168 29 
 
Other Assets ---------------- --------- 
 
Capital Stock Paid In _______ $ 50,000 00 Amt. Reserved for Branches Surplus Fund -------------- 5,000 00 Undivided Profits ----------- 3,457 06 Dividends Unpaid ----------Due to Banks in this State Due to Banks in other States 
Call Money ----------------Individual Deposits Subject Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f--D-e-p-o-s-i-t 89,866 60 Time Certificates of Deposit_ Savings Deposits ----------- 45,197 19 Trust Funds on Deposit____ _ 
Cashier's Checks ----------- 1,843 38 Certified Checks -----------Bills Payable -------------- 75,000 00 Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money -------Liability on Letters of Credit 
and Acceptances ---------Reserve for Interest and Taxes 
Other Liabilities ------------ 
 
Total --------------------$270,364 23 Total --------------------$270,364 23 
 
 FIRST ANNUAL REPORT 
 
375 
 
E:XA'MINEB.'S B.EPOB.T. 
 
CITIZENS BANK, MARSHALLVILLE. 
 
At Close of Business November 4, 1920. 
 
President-J. W. Frederick. Cashier-C. C. Haslam. 
 
Directors-J. W. Frederick, I. F. Murph, F. J. Frederick, E. J. Martin, W. H. Rice. 
 
Date of Charter-1906. 
 
Began Business-January 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $121,957 77 Capital Stock Paid In_______ $ 18,000 00 
 
Demand Loans ------------- 7,131 50 Amt. Reserved for Branches Loans Secured by Real Estate 36,000 00 Surplus Fund -------------- 25,000 00 United States Bonds -------- 21,400 00 Undivided Profits ---------- 14,986 08 
 
Other Stocks and Bonds __ --------- Dividends Unpaid ----------Banking House ------------- 4,800 00 Due to Banks in this State__ Furniture and Fixtures_____ 2,700 00 Due to Banks in other States 
 
Other Rea! Estate Owned____ --------- Call Money ----------------Due from Banks in this State 21,861 00 Individual Deposits Subject 
 
Due from Danks in other 
 
to Check ----------------- 110,242 26 
 
States ------------------- 9,716 17 Demand Certificates of Deposit 
 
Currency -----------------Gold ----------------------Silver, Nickels, .Pennies_____ 
 
1,551 00 Time Certificates of Deposit_ 67 50 Savings Deposits ---='------- 20,054 67 
1,403 64 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ --------- Cashiers Checks ------------ 
 
401 75 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- _________ Bills Payable -------------- 40,000 00 
 
Checks for Clearing House__ 
 
5 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
125 85 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money -------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------Overdrafts (if any) -------- --------- Reserve for Interest and Taxes Other Assets --------------- --------- Other Liabilities ----------- 
 
34 67 
 
Total --------------------$288,719 43 Total --------------------$288,719 43 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$125,268 21 Capital Stock Paid In _______ $ 18,000 00 
 
Demand Loans ------------- 7,187 50 Amt. Reserved for Branches Loans Secured by Real Estate 32,714 43 Surplus Fund -------------- 2!>,000 00 United States Bonds -------- 21,400 00 Undivided Profits ----------- 13,216 75 
 
Other Stocks and Bonds __ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 4,800 00 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 2,700 00 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ---------------- 
 
Due from Banks in this State 17,285 80 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check .---------------- 84,707 35 
 
States ------------------- 
 
980 89 Demand Certificates of Deposit 
 
Currency ------------------Gold ----------------------Silver, Nickels, Pennies_____ 
 
2,348 00 Time Certificates of DeposiL 72 50 Savings Deposits -----:------ 19,911 93 
1,081 03 Trust Funds on DeposJL ___ _ 
 
Advances on Cotton_________ _________ Cashiers Checks ------------ 
 
226 94 
 
Advances on other Commodi- 
 
C<'rtified Checks ------------ 
 
ties --------------------- _________ Bills Payable --------------- 55,000 00 
 
Checks for Clearing- House__ 
 
224 61 Notes and Bills Rediscounted 
 
Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liabilitv on Let- 
 
Borrowed Money --------- 
 
ters of Credit arid Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------- 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ------------ 
 
Total --------------------$216,062 97 Total --------------------$216,062 97 
 
 376 
 
BANKING DEPARTMENT 
 
EXAMillfEB'S BEPOBT. 
 
GEORGIA BANKING COMPANY, MARSHALLVILLE. 
 
At Close of Business November 4, 1920. 
 
President-J. C. :Walker. Vice-lPTesident-'T. R. TayLor. Cashier-H. C. 'Taylor. 
 
Directors-J. C. Walker, T. S. Taylor, H. C. Taylor, M. L. Patrick, C. J. Goodwin. 
 
Date of Charter-September 19, 1910. 
 
Began Business-September 26, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 35,345 28 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 
 
571 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 25,000 00 Surplus Fund -------------- 
 
United States Bonds -------- 18,650 00 Undivided Profits ----------- 7,992 78 
 
Other Stocks and Bonds __ 
 
Dividends Unpaid ----------- 
 
Banking House ------------- 2,462 96 Due to Banks in this State__ 
 
Furniture and Fixtures ____ _ 2,213 15 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
Call Money ---------------- 
 
Due from Banks in this State 9,449 52 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
372 60 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 2,088 00 Time Certificates of Deposit_ 
75 00 Savings Deposits ----------3,868 05 Trust Funds on Deposit_ ___ _ 
 
44,803 99 19,751 42 
 
Advances on Cotton_________ 
 
Cashier's Checks __________ _ 
 
143 63 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
Chteiecks s -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
Bills Payable -------------407 46 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2,105 80 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
O vaenrcdersa f-t -s -(-i-f-a-n- -y-) - -_-_ -_ _- _- _-_-_- -_ 
 
Borrowed Money --------LiaanbdiliAtyccoenptLanectteesrs__o_f__C_r_e_d_i_t 83 00 Reserve for Interest and Taxes 
 
Other Assets ---------------- 
 
Other Liabilities ------------ 
 
Total --------------------$102,691 82 Total --------------------$102,691 82 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 32,730 34 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 9,104 78 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ _ 
 
19,115 56 Surplus Fund -------------19,050 00 Undivided Profits ----------- 
 
--------- Other Stocks and Bonds __ 
BFuanrnkiitnugreHoaunsde F--ix--tu--re--s-__-_-_--_ 
 
Dividends Unpaid ----------2,462 96 Due to Banks in this State__ 2,213 15 Due to Banks in other States 
 
8,975 32 
 
--------- Other Real Estate Owned ___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 8,872 85 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s--__-_-_--_ Advances on Cotton_________ Advances on other Commodi- 
 
363 11 5,461 00 
40 00 1,210 33 
--------- 
 
D et om aCnhdeCc ke r t-i-f i-c-a-t-e-s-o-f- -D-e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposit -----------Trust Funds on Deposit_ ___ _ 
Cashier's Checks ----------Certified Checks ------------ 
 
40,881 50 
21,282 61 9 75 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se-_-_- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
525 30 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t -s - -( -i f- -a-n-y-)- ----------------- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ------------ 
 
Total --------------------$101,'149 .38 Total ____________________ $101,149 38 
 
 FIRST ANNUAL REPORT 
 
377 
 
EXAMINEB."S B.EPOB.T. 
 
BANK OF MARTIN, MARTIN. 
 
At Close of Business July 19, 1920. 
 
President-W. A. Mitchell. Vice-President-G. w. Stovall. Cashiecr-P. D. Landcrum. 
 
Directors-\V. A. Mitchell, G. N. Stovall, P. D. Landrum, C. C. Knox, Paul 
 
Cooper, Thos. H. Stovall, M. P. Sewell. 
 
Date of Charter-October 2, 1907. 
 
Began Business-October 11, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 99,544 73 Capital Stock Paid In_______$ 15,300 00 
 
Demand Loans ------------- 3,078 70 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds____ _ 
 
2,941 08 Surplus Fund -------------5,000 00 Undivided Profits ---------- 
Dividends Unpaid ---------- 
 
3,000 00 5,507 92 
 
Banking House -----------Furniture and Fixtures____ _ 
 
Due to Banks in this State __ Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 12,892 26 Individual Deposits Subject 
 
Due from Banl<s in other States ------------------- 
Currency ------------------ 
 
to Checks ---------------- 75,468 40 807 33 Demand Certificates of Deposit 1,071 00 Time Certificates of Deposit_ 18,712 60 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton________ _ 
 
292 50 Savings Deposits ----------610 28 Trust Funds on Deposit_ ___ _ 
Cashier's Checks ----------- 
 
163 99 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
Chteiceks s -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
Bills Payable -------------- 10,000 00 481 11 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
686 66 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and AcceptO va enrcdersa f-t -s -(-i-f-a-n- -y-)- -_-_ -_ _- _- _-_-_- -_ 
 
Liability on Letters of Credit and Acceptances _________ _ 
56 45 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
Other Liabilities ----------- 
 
619 23 
 
Total --------------------$128,772 14 Total --------------------$128,772 14 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 69,604 49 Capital Stock Paid In_______$ 15,300 00 
 
Demand Loans ------------- 4,348 44 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
2,897 41 Surplus Fund -------------5,000 00 Undivided Profits ----------- 
 
5,000 00 341 21 
 
Other Stocks and Bonds 
 
Dividends Unpaid ---------- 
 
10 00 
 
Banking House ------------ 
 
Due to Banks in this State__ 
 
Furniture and Fixtures____ _ 1,310 04 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 12,455 09 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-ck--e-ls-,--P-e-n-n--ie-s---__-_--_ Advances on Cotton________ _ 
 
1,625 25 1,249 00 
185 00 160 32 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposit_ ___ _ Cashier's Checks ----------- 
 
54,851 67 14,263 85 
863 85 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__- 
 
Bills Payable -------------- 5,000 00 Notes and Bills Rediscounted 4,050 82 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
568 49 Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and AcceptO vaenrcdersa f-t -s -(-i-f-a-n- -y-) - -_-_-_-_ -_ _- _-_- -_ Other Assets ------------~-- 
 
Liability on Letters of Credit and Acceptances _________ _ 
277 87 Reserve for Interest and Taxes Other Liabilities ___________ _ 
 
Total ____________________$ 99,681 40 Total --------------------$ 99,681 40 
 
 378 
 
BANKING DEPARTMEN'l' 
 
EX.A:MINER'S REPORT. 
 
BANK OF MAXEYS, MAXEYS. 
 
At Close of Business July 14, 1920. 
 
President-vV. T. Brightwell. Vice-President-\V. H. \Vray. Cashier-Geo. P. Bell. 
 
Directors-\V. T. Brightwell, W. H. Wray, J. R. .Nicholson, W. V. Durham, W. A. Hewell. 
 
Date of Charter-Feb-ruary 22, 1907. 
 
Began Business-April 10, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n- -s- -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and BondB ____ _ Banking House ----~------Furniture and Fixtures____ _ Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------ 
SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton________ _ 
Advances on other Commodi- 
Chteiecsks -f-o-r--C-l-e-a-r-i-n-g--H-o--u-s-e-_-_ Other Checks and Cash Hems Customers' Liability on Let- 
ters of Credit and Accept- 
ances -------------------Overdrafts (if any) --------Other Assets -------------- 
 
69,167 10 32,150 00 
1,525 88 1,249 53 
700 00 1,825 00 
2,629 44 74 47 
2,729 00 
694 08 
345 00 75 52 
31 97 267 16 
 
Capital Stock Paid In_______$ 15,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 10,000 00 Undivided Profits ---------- l ,017 'j' ~ 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
DetomaCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 53,295 26 Time Certificates of DeposiL 13,822 48 
 
CSaavshiniegrs'sDCephoecsiktss -_-_-__-_-_-_-_-_-_--_ Certified Checks ___________ _ 
 
328 63 
 
Bills Payable -------------- 20,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
 
and Acceptances ---------Reserve for Interest and 'l'axes 
 
Other Liabilities ----------- 
 
Total --------------------$113,464 15l Total ---------------------$113,464 15 
 
BANK'S STATEMENT at CLose of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ Demand Loans ------------Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds____ _ 
Banking House -----------Furniture and Fixtures____ _ Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ----------.--------Currency -----------------SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton________ _ Advances on other Commodi- 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f-t -s - (-i-f- a- -n-y-)- -_-_-_-_-_-_-_-_-_ Other Assets: Live Stock ________________ _ 
 
61,977 00 
 
17,863 999 
 
48 98 
 
1,230 00 
 
700 00 
 
1,825 00 
 
3,468 44 
 
2,803 69 588 00 
 
655 21 6,000 00 
 
223 77 
 
22 32 150 00 
 
Capital Stock Paid ln_______ $ 15,000 00 
 
Amt. Reserved for Branches Surplus Fund _____________ _ 10,000 00 
 
Undivided Profits ----------Dividends Unpaid _________ _ 
 
944 80 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ----------------- 29,859 50 DemandCertificates of Deposit Time Certificates of DeposiL 13,669 48 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
 
4'i4 79 58 32 
22,500 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$ 92,506 89 Total --------------------$ 92,506 89 
 
 FIRST ANNUAL REPORT 
 
379 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK, MAXEYS. 
 
At Close of Business July 13, 1920. 
 
President-S. D. Durham. Vice-President-H. G. Maxey. Cashier-J. L. Copeland. 
 
Directors-B. D. Durham, H. S. Maxey, A. J. Gillen, J. E. Marable, W. A. Durham, L. P. Maxey. 
 
Date of Charter-1910. 
 
Began Business-1910. 
 
RESOURCES 
 
LIABILITIES 
 
'.rime Loans ________________ $ 97,108 65 
 
Demand Loans ------------- 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
2,667 81 
 
Other Stocks and Bonds____ _ 
 
Banking House -----------J~urniture and Fixtures ____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------ 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton________ _ 
 
1,601 60 2,006 65 
--2~023-86 
73 15 3,229 00 
100 00 293 63 
 
Advances on other Commodi- 
 
ties --------------------Checks for Clearing House __ Other Checl{S and Cash Items 
Customers' Liability on Letters of Credit and Accept- 
 
321 71 490 33 
 
O vaenrcdersa f-t -s - -(-i f- -a-n-y-)- - ------ -- -- -- -- -- 
 
487 so 
 
Other Assets --------------- 
 
Capital Stock Paid In _______$ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ----------- 10,911 27 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ----------------- 31,675 24 DemandCertificates of Deposit 
 
Time Certificates of DeposiL 5,765 46 
 
Savings Deposits ----------- 
 
Cashier's Checks ----------- 
 
391 53 
 
C::ertified Checks -----------Bills Payable -------------- 46,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
660 69 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$110,404 19 Total --------------------$110,404 19 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$75,114 97 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 1,237 65 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 5,067 81 Surplus Fund -------------United States Bonds ________ --------- Undivided Profits ---------- 8,627 82 
 
Other Stocks and Bonds_____ ________ _ Dividends Unpaid _________ _ 
 
Banking House ------------ 1,601 60 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,006 65 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State Due from Banks in other 
 
479 93 IntdoivCidhueaclks D_e_p_o__si_t_s__S__u_b_j_e_c_t 17,410 21 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton_________ Advances on other Commodi- 
ties --------------------Checks for Clearing House __ 
 
139 66 1,243 00 
105 00 373 62 --------- 
--------317 35 
 
Demand Certificates of Deposit Time Certificates of DeposiL Savings Deposits __________ _ 
Trust Funds on Deposit_ ___ _ Ca.shier's Checks __________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted 
 
4,479 68 
32 48 40,000 00 
2,667 81 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
269 08 Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and AcceptO vaenrcdersa f-t s- -(-i-f-a-n- -y-) - -_-_-_-_ -_ _- _-_- -_ Other Assets ______________ _ 
 
Liability on Letters of Credit and Acceptances _________ _ 
261 68 Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total ____________________ $ 88,218 00 Total ____________________ $ 88,218 00 
 
 380 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S B.EPOB.'l'. 
 
THE MAYSVILLE BANK, MAYSVILLE. 
 
At Close of Business October 27, 1920. 
 
President-J. M. Eberhart. Vice-President-G. 0. CasteUaw. Cashier-R. C. Sligh. 
 
Directors-J. M. Eberhart, E. S. Comer, G. 0. Cast~llaw, T. H. Blackwell, R. C. 
 
Sligh. Date of Charter-December 10, 1919. 
 
Began Business-April 1, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DT iemmea nLdo aLnosa n- -s- -_-_-_-_-_-_-_-_-_-_-_ _ -_$ 
 
83,919 24,114 
 
39 57 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
- 
 
-----1,096 
 
-28- 
 
Other Stocks and Bonds____ _ Banking House ___________ _ 
 
80 00 3,800 00 
 
l<'urniture and Fixtures____ _ 2,174 37 
 
Other Heal Estate Owned ___ _ Due from Banks __________ _ 
 
200 00 10,185 96 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton ________ _ Advances on other Commodi- 
 
4,353 00 22 50 
1,449 85 
 
Chteiecsks -f-o-r--C-l-e-a-r-in-g---H-o-u--se--__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,373 91 326 48 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -_-_-_-_-_-_-_-_ 
Other Assets: Depositors' Guarantee Fund_ Mutual Fire Insurance Fund_ 
 
195 35 
3,469 00 120 00 
 
Capital Stock Paid In_______$ 15,000 00 Amt. Reserved for Branches 
 
USunrdpilvuids edFuPnrdof-i-ts---__-_-,-_-__-_-_-_--_ 1,475 64 Dividends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------- 35,000 00 Individual Deposits Subject 
 
to Check ----------------- 18,001 01 DemandCertificates of Deposit Time Certificates of Deposit_ 18,168 59 Savings Deposits _________ _ 
 
Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ 
 
734 02 
 
Bills Payable -------------- 46,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
Liability on Letters of Credit . and Acceptances _________ _ 
 
8,500 00 
 
Reserve for Interest and Taxes 
 
Other Liabilities: 
 
Cash Long ----------------- 
 
40 
 
Total --------------------$136,880 66 Total --------------------$136,880 66 
 
BANK'S STATEMJDNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds____ _ 
Banking House -----------Furniture and Fixtures ____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton________ _ 
Advances on other Commodities ---------------------- 
Checks for Clearin[(' House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - _- _- _-_-_-_-_- -_ Other Assets ______________ _ 
 
87,399 84 5,455 50 1,096 28 80 00 3,800 00 2,284 44 200 00 1,620 16 3,825 86 3,784 00 22 50 1,580 40 
119 94 
3,789 00 
 
Capital Stock Paid In_______ $ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------- 1,667 60 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due from Banks in this State 
 
and Call Money'---------- 32,000 00 Individual Deposits Subject 
 
to Check ----------------- 15,316 06 Demand Certificates of Deposit 
 
Time Certificates of DeposiL 23,558 19 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ 
 
323 48 192 59 
 
Bills Payable --------------- 27,000 00 Notes and Bills Rediscounted 
 
CPrtificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Reserve for Interest and Taxes Other Liabilltif's __________ _ 
 
Total .-------------------$115,057 92 
 
Total ___________________$115,057 92 
 
 FIRST ANNUAL REPORT 
 
381 
 
EXAMINER'S REPORT. 
 
BANK OF MEANSVILLE, MEANSVILLE. 
 
At Close of Business JtJ.ly 30, 1920. 
 
President-W. L. Taylor. Vice-President-\V. L. Taylor. Cashier-H. G. Langford. 
 
Directors-W. F. Taylor, H. G. Langford, W. E. Storey, S. S. Barrett, Ec'1.rly Owen, J. vV. Holloway. 
 
Date of Charter-March 1, 1911. 
 
Began Business-April 1, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------- $113,976 07 Capital Stock Paid In _______ $ 15,020 00 
 
Demand Loans ------------- 3,97!1 52 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
--------10,400 00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
10,000 00 3,870 29 
 
Other Stocks and Bonds_____ 9,686 11 Dividends Unpaid ---------- 
 
Banking House ------------ 1,750 00 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 2,250 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 6,916 18 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 56,887 34 
 
States ------------------- 5,393 42 Demand Certificates of Deposit 
 
Curr.ency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
1,761 00 Time Certificates of DeposiL 26,389 49 
 
10 00 Savings Deposits _________ _ 
 
596 90 Cashier's Checks __________ _ 
 
61 00 
 
Advances on Cotton_________ Advances on other Commodi- 
 
--------- 
 
CBeilrltsifiPedayCahbeleck_s _-_-_-_-__-_-_-_-_-_-_--_ 
 
45,000 00 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u-s-e-_-_- 
 
-_-_ -_ _- _-_-_-_- -_ 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 
 
488 56 Borrowed Money ________ _ 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_ _- _-_-_- -_ 
 
________ _ 33 28 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
Other Assets --------------- ________ _ 
 
12 92 
 
Total --------------------$157,241 04 Total ____________________$157,241 04 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ 58,814 14 
 
Demand Loans ------------ 26,304 58 
 
Loans Secured by Real Estate 9,123 23 
 
United States Bonds _______ _ 10,450 00 
 
Other Stocks and Bonds ____ _ 6,000 00 Banking House ___________ _ 1,750 00 
 
Furniture and Fixtures ____ _ 2,250 00 
 
--------- Other Real Estate Owned ___ _ 
Due from Banks in this State 7;285 77 
 
Due from Banks in other 
 
States -----------~------ 3,581 39 
 
Currency ------------------ 3,154 00 
 
GS iol lvde r ,- - N- -i-c-k-e-l s-,- -P- -e-n-n-i -e-s -_-_ _- _- -_ 
 
15 00 642 71 
 
Advances on Cotton- Over 
 
drafts ------------------- 2,638 57 
 
Advances on other Commodi- 
 
ties --------------------Checks for Clearing Honse __ 
 
--------- 
---------- 
 
Other Ch!')cks and Cash Items 
 
111 93 
 
Custom<'rs' Liabilitv on Let- 
 
ters of Credit arid Accept- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-: v- )- - -_-_-_ -_ _- _-_- -_ Other Assets ______________ _ 
 
15 31 
 
Capital Stock Paid In _______ $ 15,020 00 Amt. Reserved for Branches Surplus Fund -------------- 10,000 00 DUinvdiidveinddesd UPnropfaiitds -_-__-_-_-_-_-_-_--_ 3,289 52 
Due to Banks in this State__ Due to Banks in other States Call Money ---------------Individual Deposits Subject 
to Check ---------------- 38,771 39 Demand Certificates of Dc,posit Time Certificates of DeposiL 26,345 43 Savings Deposits _________ _ 
Trust Funds on DeposiL.___ ._ Cashier's Checks __________ _ 1,710 29 Certified Checks ___________ _ 
Bills Payable _____________ _ 37,000 ou 
Notes and Bills Re'discounted Certificates of Deposit for 
Borrowed Money ________ _ 
Liability on Letters of Credit and Acceptances ________ _ 
Reserve for Interest and TaxPs Other LiahilitieR _--------- 
 
Total ____________________ $132,136 63 Total ____________________ $132,136 63 
 
 382 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
BANK OF MEIGS, MEIGS. 
 
At Close of Business September 18, 1920. 
 
President-E. M. Smith. Vice-President-J. N. Carter. Cashier-Duncan Bickley. 
 
Directors-E. M. Smith, J. N. Carter, Duncan Bickley, J. A. Bowers, Thos. Davis, M. Wilkes, J. M. Pilcher. 
 
Date of Charter-May 8, 1903. 
 
Began Business-June, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$294,626 07 
 
Demand Loans ------------- 7,350 00 
 
Loans Secured by Real Estate --------United States Boqds _______ 38,600 00 
 
Other Stocks and Bonds_____ --------- 
 
Banking House ------------- 1,925 00 Furniture and Fixtures_____ 1,920 00 
 
Other Real Estate Owned____ --------- 
 
Due from Banks in this State 48,659 63 
 
Due from Banks in other 
 
States ------------------- 14,426 84 
 
C.urrency ------------------ 8, 710 00 
 
GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
400 00 940 21 
 
Advances on Cotton ________ --------- 
 
Advances on other Commodi- 
 
ties --------------------- _________ 
 
Checks for Clearing House __ Other Checks and Cash Items 
 
608 62 10 00 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances ------------------- --------- 
 
Overdrafts (if any) _______ _ 
 
726 22 
 
Other Assets --------------- --------- 
 
Capital Stock Paid In _______ $ 75,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 15,000 00 Undivided Profits ---------- 3,978 12 Dividends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ----------------- 121,887 18 
 
Demand Certificates of Deposit 13,740 00 
 
Time Certificates of Deposit_ 54,906 20 Savings Deposits _________ _ 
 
rrrust Funds on Deposit____ _ Casl1ier's Checks __________ _ Certified Checks ___________ _ 
 
1,713 03 
 
Dills Payable ______________ _ 100,000 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Reserve for Interest and Taxes 
 
23 00 
 
Other Liabilities: Bonds Borrowed __________ _ 30,100 00 
 
Deposits ------------------- 2,555 06 
 
Total --------------------$418,902 59 Total --------------------$418,902 59 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
I 
 
I 
 
Time Loans ----------------$162,751 10 Capital Stock Paid In _______$ 91,840 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
10,250 00 68,065 25 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-1--8-,-3--6-8---0.10 
 
United States Bonds ________ 34,750 00 Undivided Profits ----------- 3,002 93 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
60 00 
 
Banking House ------------- 1,925 00 Due to Banks in this State__ 
 
F'lrniture and Fixtures_____ 1,920 00 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ---------------- 
 
Due from Banks in this State 27,215 52 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 107,318 38 
 
States ------------------- 17,773 80 Demand Certificates of Deposit 
 
Currency ------------------ 13,321 00 Time Certificates of Deposit_ 52,411 02 
 
Gold ----------------------- 
 
500 00 Savings Deposits _________ _ 
 
Silver, Nickels, Pennies_____ 1,426 37 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton ________ _________ Cashier's Checks ----------- 1,334 92 
 
Advances on other Commodi- 
 
Certified Checks ___________ _ 
 
ties --------------------- _________ Bills Payable _____________ _ 40,000 00 
 
Checks for Clearing House__ 
 
600 57 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
57 57 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ------------------- _________ and Acceptances --------- 
 
Overdrafts (if any) -------- 
 
29 07 Reserve for Interest and Taxes 
 
Other Assets---------------- _________ Other Liabilities: 
 
Bond Certificates of Deposit_ 26,250 00 
 
Total ____________________ $340,585 25 Total --------------------$340,585 25 
 
 FIRST .ANNDAL REPORT 
 
383 
 
EXAMINEB.'S REPORT. 
 
BANK OF MENLO, MENLO. 
 
At Close of Business October 20, 1920. 
 
President-R. A. McWhorter. Vice-President-0. D. Wyatt. Cashier-J. C. Chamblee. 
 
Directors-R. A. McWhorter, 0. D. \Vyatt, J. C. Chamblee. 
 
Date of Charter-July 29, 1904. 
 
Began Business-August 1, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$198,643 34 Capital Stocl< Paid In _______ $ 15,000 00 
 
Demand Loans ------------~ 13,228 65 Amt. Reserved for Branches Loans Secured by Heal Estate ________ _ Surplus Fund -------------United States Bonds _______ ________ _ Undivided Profits ----------Other Stocks and Bonds_____ 3,000 00 Dividends Unpaid _________ _ 
 
3,000 00 8,121 48 
 
Banking House ------------- 2,716 91 Due to Banks in this State __ 
 
Furniture and E"ixtures_____ 2,773 70 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 9,000 00 
 
Due from Banks in this State --------- Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton ________ Advances on other Commodi- 
 
6,778 29 1,559 00 
30 00 778 40 _ _______ _ 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ 
Savings Deposits ---------Trust Funds on Deposit_ ___ _ Cashier's Checks __________ _ Certified Checks ___________ _ 
 
60,004 82 90,028 96 
539 35 
 
ties --------------------- ________ _ Bills Payable -------------- 52,500 00 Checks for Clearing House__ ________ _ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 5,025 28 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f t s- - -( i-f- -a-n-y-)- - -_-_-_ -_ _- _-_- -_ 
 
- - - - -7 6- - -48- 
 
and Acceptances ________ _ Reserve for ln terest and Taxes 
 
Other Assets ______________ _ 3,584 56 Other Liabilities __________ _ 
 
Total --------------------$238,194 61 Total --------------------$238,194 61 
 
BANK'S STATEMENT at Cluse of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$183,656 95 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
________ _ ________ _ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--3~000-00 
 
United States Bonds ------- --------- Undivided Profits ---------- 8,812 35 
 
Other Stocks and Bonds_____ :1,000 00 Dividends Unpaid ---------- 
 
Banking House ------------- 2,716 91 Due to Banks in this State __ 4,000 00 
 
Furniture and Fixtures_____ 2,773 70 Due to Banks in other States 13,000 00 
 
Other Real Estate Owned____ _________ Call Money ---------------- 
 
Due from Banks in this State 5,000 00 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 58,719 63 
 
States ------------------- 3,236 25 Demand Certificates of Deposit 
 
Currency ------------------ 4,357 00 Time Certificates of Deposit_ 65,596 11 
 
Gold ---------------------Silver, Nickels, Pennies_____ 
 
--------540 26 
 
Savings Deposits ---------Trust Funds on Deposit____ _ 
 
Advances on Cotton ________ ________ _ Cashier's Checks __________ _ 1,871 22 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- ________ _ Bills Payable -------------- 39,500 00 
 
Checks for Clearing- House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcder~a f t s- - -( i-f- -a-n-y-)- - -_ -_ _- _- _-_-_-_- 
 
- - - -2 3-3- - -68- 
 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Depositors' Guarantee Fund_ 3,464 56 
 
Fire Insurance Fund________ 
 
120 00 
 
Total --------------------$209,499 31 Total --------------------$209,499 31 
 
 384 
 
BANKING DEPARTMENT 
 
EXA'MINEB.'S B.EPOB.T. 
 
COMMERCIAL BANK, METCALFE. 
 
At Close of Business July 31, 1920. 
 
President-J. W. Horne. Vice-Presidents-K. C. Copeland, G. F. Hicks. 
 
Cashier-J. T. Holland. 
 
Directors-J. \Y. Horne, Elmer Horne, G. F. Hicks, H. C. Copeland, W. W. Felkel, Edwin Horne. 
 
Date of Charter-July 3, 1916. 
 
Began Business-July 22, 1916. 
 
RESOURCES 
 
LIABILITIES 
 
'l'ime Loans ---------------$ 62,767 42 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- 4,625 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Heal Estate United States Bonds ______ _ Other Stocks and Bonds ____ _ 
 
Surplus Fund ------------- 5,000 00 Undivided Profits ----------- 2,659 47 
Dividends Unpaid ----------- -------- 
 
Banking House ------------ 1,195 43 Due to Banks in this State__ --------- 
 
Furniture and Fixtures ___ _ 
 
923 61 Due to Banks in other States --------- 
 
Other Real Estate Owned____ 
 
Call Money ---------------- --------- 
 
Due from Banks in this State 60,826 75 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 98,809 51 
 
States ------------------- 11,562 19 Demand Certificates of De- 
 
Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton _______ _ Advances on other Commodi- 
 
2,881 00 255 12 20 00 
 
posit --------------------Time Certificates of Deposit 
Savings Deposits ---------Cashier's Checks ---------Certified Checks ----------- 
 
656 25 17,825 86 
--------5,075 65 
--------- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-se--_-_ 
Other Checks and Cash l terns Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,356 87 138 00 
 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
 
------------------------- 
 
O vaenrcdersa f t s- - -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _-_- -_ 
 
and Acceptances --------- --------23 50 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- 
 
Other Liabilities ----------- 1,548 15 
 
Total --------------------$146,574 89 Total --------------------$146,57 4 89 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
.rime Loans ----------------$ 53,709 60 Capital Stock Paid In ------$15,000 00 
 
Demand Loans -------------Loans Secured by Real Estate United States Bonds ______ _ Other Stocks and Bonds____ _ 
Banking House -----------I,~urniture and Fixtures _____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
 
2,125 00 8,067 73 
1,195 43 923 61 
14,081 38 
 
Amt. Reserved for Branches --------Surplus Fund ------------- 5,000 00 Undivided Profits Less Ex- 
penses etc ---------------- 4,215 78 Dividends Unpaid ----------- ________ Due to Banks in this State__ --------Due to Banks in other States --------Call Money ---------------- ----~--- Individual Deposits Subject 
 
States ------------------Currency -----------------SGiolvlder, -N--ic-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-__--_ Advances on Cotton _______ _ 
Advances on other Commodi- 
 
6,197 58 2,205 00 
427 18 
 
to Check ----------------Demand Certificates of Deposit Time Certificates of Deposit 
Savings Deposits ---------Trust Funds on Deposit_____ Cashier's Checks ___________ 
 
42,942 54 --------- 
391 25 
21,226 63 --------- 
156 31 
 
ties --------------------Checks for Clearing House __ 
 
CBeilrltsifiPedayaCbhleeck_s___-_-_-_-_-_-_-_-_-_-_- ------------------ 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted ________ _ 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money _________ --------- 
 
O vaenrcdersa f t s- - -( -i f- -a-n-y-)- - _- _- _-_-_-_-_- -_ 
 
Liability on Letters of Credit and Acceptances _________ --------- 
 
Other Assets --------------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$ 88,932 51 Total ____________________$ 88,932 51 
 
 FIRST ANNUAL REPORT 
 
385 
 
EXAMINEB'S BEPOBT. 
 
BANK OF METTER, METTER. 
 
At Close of Business July 20, 1920. 
 
President-W. ID. Kennedy. Vice4>resident-.J. T. T:ranell. Ca.shier-"L.. H. Sewell. 
Directors-W. D. Kennedy, J. T. Trapnell, L. H. Sewell, P. L. Rountree, T. H. _ Bowen, W. L. Jones, J. R. Dixon, G. B. Hendrix, J. A. Brannon, J. J. Collins, B. F. Fordham, M. S. Dekk. 
 
Date of Charter-March 4, 1904. 
 
Began Business-March 23, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$258,153 91 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------- 35,380 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ______ 
 
26 029 46:200 
 
00 00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
25,000 00 22,217 03 
 
Other Stocks and Bonds ____ 11,700 00 Dividends Unpaid ---------- 
 
60 00 
 
Banking House ------------ 22,565 92 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 2,472 66 Due to Banks in other States 
 
Other Real Estate Owned___ 1,835 60 Call Money ---------------- 
 
Due from Banks in this State 10,889 06 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s---__-_--_ 
 
1,702 87 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 151,920 31 
 
3,388 00 Time Certificates of Deposit 193,446 53 
 
111 00 Savings Deposits ---------- 
 
640 74 Cashier's Checks ------------ 
 
584 52 
 
Advances on Cotton -------- --------- Certified Checks ----------- 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
ties --------------------- _________ Notes and Bills Rediscounted 
 
Checks for Clearing House 
 
79 40 Certificates of Deposit for 
 
Other Checks and Cash Items 13,363 19 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
Ovaenrcdersafts--~(-if--a-n-y-)---_-_-_-_-_-_-_-_ 
 
- - - -6-4 1- - -00- 
 
Reserve for Interest and Taxes Other Liabilities ------------ 
 
20,999 76 
 
Other Assets -------------- 4,075 80 
 
'l'otal --------------------$439,228 15 Total --------------------$439,228 15 
 
BANK'S STATEM\ENT at Close of Business December 15, 19120. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$273,556 37 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------- 47,090 98 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 25,000 00 
 
United States Bonds -------- 32,700 00 Undivided Profits ---------- 18,039 36 
 
Other Stocks and Bonds____ 1,700 00 Dividends Unpaid. ----------- -------- 
 
Banking House ------------ 23,065 92 Due to Banks in this State__ --------- 
 
Furniture and Fixtures_____ 2,472 66 Due to Banks in other States --------- 
 
Other Real Estate Owned____ 1,835 60 Call Money ---------------- --------Due from Banks in this State 4,379 25 Individual Deposits Subject 
 
Due from Banks in other 
 
to Checl{ ----------------- 161,259 31 
 
States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-l-s-, --P-e-n--n-ie-s-_-_-_--_ Advances on Cotton________ 
 
5,358 89 Demand Certificates of Deposit --------- 
 
4,746 00 Time Certificates of Deposit 141,670 09 
 
195 1,188 
 
o0o0 
 
Savings Deposits ---------United States Bonds on De- 
 
--------- 
 
24,690 08 posit -------------------- 19,100 00 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 1,084 24 
 
ties --------------------- --------- Certified Checks ----------- --------Checks for Clearing House __ 1,334 19 Bills Payable --------------- 35,000 00 
 
Other Checks and Cash Items , 1,298 97 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
O vaenrcdersa f t s- - -(-i-f- -a-n- -y-)-------------- -- 
 
- - - - -49- - -79- 
 
Liability on Letters of Credit and Acceptances --------- 
 
--------- 
 
Other Assets -------------- 
 
491 30 Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$426,153 00 Total --------------------$426,153 00 
 
 386 
 
BANKING DEPARTMENT 
 
EXA:MINER'S REPORT. 
 
CITIZENS BANK, METTER. 
 
At Close of Business October 29, 1920. 
 
President-A. J. Bird. Vice-President-Geo. W. Watson. Cashier-C. G. McLain. 
 
Directors-A. J. Bird, Geo. W. Watson, C. G. McLain, Josiah Bird, V. S. Denden, J. M. Wilkins, Leo B. Dekle, Jno. Lamar, M. Mercer, J. D. Kirkland, E. Lanier. 
 
Date of Charter-December 20, 1910. 
 
Began Business-December 20, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$230,492 87 Capital Stock Paid In ___ _, __ $ 30,000 00 
 
Demand Loans ------------- 
 
450 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 17,797 04 Surplus Fund -------------- 20,000 00 
 
United States Bonds ------ 4,100 00 Undivided Profits ---------- 7,457 85 
 
Other Stocks and Bonds____ 1,500 00 Dividends Unpaid ----------- 
 
4 80 
 
Banking House ----------- 19,271 OZ Due to Banks in this State __ Furniture and Fixtures ____ 3,852 34 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Approved Reserve 
 
200 00 Caii Money ---------------Individual Deposits Subject 
 
Agents ------------------ 13,116 83 to Checlr ----------------- 91,266 70 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ------------------- --------- Time Certificates of DeposiL 66,607 33 
 
Currency -----------------Gold ---------------------Silver, Nickels, Pennies_____ Advances on Cotton ________ 
 
3,039 00 Savings Deposits ---------345 00 Cashier's Checks ---------- 
1,355 58 Certified Checks ----------8,268 20 Biiis Payable -------------- 
 
415 95 3,500 00 
 
Advances on other Commodi- 
 
Notes and Bills Rediscounted 84,847 21 
 
---442-51 ties 
Checks 
 
'f(i~-ciea:~ing-Ho;;.;;;;== 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances ------------------- --------- Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Cash Items (Irregular) ____ _ 1,499 12 
 
Heldover Checks ---------- 1,369 59 
 
Cash Short ----------------- 
 
1 04 
 
Total --------------------$307,099 84 Total --------------------$307,099 84 
 
'HANK'S STA'DEMLEJNT at Close of Bustiness December 15, 1,9120. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$194,842 10 Capital Stock Paid In ------$ 30,000 00 
 
Demand Loans ------------- 
 
800 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 58,959 36 Surplus Fund -------------- 20,000 00 
 
United States Bonds ______ 4,100 00 Undivided Profits ---------- 9,071 02 
 
Other Stocks and Bonds____ 1,500 00 Dividends Unpaid ----------- -------- 
 
Banking House ------------ 19,271 02 Due to Banks in this State__ --------Furniture and Fixtures ____ 3,852 34 Due to Banks in other States --------- 
 
Other Real Estate, Owned____ 
 
200 00 Call Money ---------------- --------- 
 
Due from Banks in this State 7,761 99 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 59,404 24 
 
States ------------------- 
 
245 30 Demand Certificates of Deposit --------- 
 
Currency ------------------- 4,732 00 Time Certificates of Deposit_ 60,242 57 
 
Gold ---------------------- 
 
350 00 Savings Deposits ---------- --------- 
 
Silver, Nickels, Pennies ____ 1,682 41 Trust Funds on Deposit____ --------- 
 
Advances on Cotton ________ --------- Cashier's Checks ---------- 
 
107 09 
 
Advances on other Commodi- 
 
Certified Checks ----------- --------- 
 
ties --------------------- _________ Bills Payable -------------- 8,500 00 
 
Checks for Clearing House __ 
 
442 22 Notes and Bills Rediscounted 119,112 67 
 
Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances ------------------- _________ and Acceptances --------- --------- 
 
Overdrafts (if any) Cotton__ 8,198 85 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- _________ Other Liabilities ----------- --------- 
 
Total -------------------$306,437 59 Total -~------------------$306,437 59 
 
 FIRST ANNUAL REPORT 
 
387 
 
EXAMI:NEB'S BEPOBT. 
BANK OF MIDVILLE, MIDVILLE. 
At Close of Busines,s August 23, 1920. 
President-L. 0. Benton. Vice-President-R. M. Murphree. Cashier-H. H. Wilburn. Directors-R. M. Murphree, .T. T. Wells, H. A. Warden, H. F. Bent, .T. W. Sande- 
ford, W. D. Drew, H. H. 'Vilburn. Date of Charter-May 27, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$151,688 55 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ------------ 18,238 40 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds ______ 
 
--------8,470 00 
 
USunrdpivluids edFuPnrdof-i-ts---_-_-_-_-_-_-_-_-__- 
 
-3-6-, -4 2- 1- - -98- 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ----------- -------- 
 
Banking House ------------ 1,500 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures______ --------- Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 8,057 95 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 65,619 55 
 
States ------------------Currency ------------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s-~-_-_-_-_ 
 
3,901 08 Demand Certificates of De4,283 00 posits ------------------- 24,980 00 
65 00 Time Certificates of Deposit_ 44,870 60 975 51 Savings Deposits ---------- ________ _ 
 
Advances on Cotton ________ --------- Cashier's Checks ------------ 
 
402 87 
 
Advances on other Commodities ---------------------- 
 
--------- 
 
CBeilrltsifiePdayCabhelecks__-_-_-__-_-_-_-_-_-_-_- 
 
-1-7-, -5 0- 0- - -00- 
 
Checks for Clearing House __ 
 
807 04 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 1,661 59 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
O vaenrcdersa f t s- - -(-i f- - -a-n-y-)- - -_-_-_-_-_-_ -_ Other Assets ______________ 
 
- -5-,-3 0- 4- - -8110,000 00 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _________ Reserve for Interest and Taxes Other Liabilities __________ 
 
--------- 
________ _ --------- 
157 93 
 
Total --------------------$214,952 93 Total --------------------$214,952 93 
 
BANK'S S'T'A:T'EIMIEJN'T at Close of Bus1iness December 1'5, 1,9120. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n- -s - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
97,777 55 22,582 79 
 
Capital Stock Paid In ------$ 25,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 24,532 28 Surplus Fund -------------- --------United States Bonds _______ _ 8,470 00 Undivided Profits _________ 35,366 30 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid ----------- -------- 
 
Banking House ------------ 1,500 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures______ 
 
Due to Banks in other States --------- 
 
Other Real Estate Owned____ 
 
Call Money ---------------- ________ _ 
 
Due from Banks in this State 1,618 90 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ________________ 38,395 14 
 
States ------------------- 
Currency ------------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton ________ _ 
 
446 54 3,648 00 
463 80 31,263 07 
 
Demand Certificates of Deposits ------------------- 
Time Certificates of. Deposit Savings Deposits ---------Trust Funds on Deposit_ ___ 
 
24,980 00 3 4,586 42 ----------------- 
 
Advances on other Commodi- 
 
Cashier's Checks ---------- 1,363 31 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- g- - -H-o-u- -s e- -_ _- 
 
2,581 
 
52 
 
Certified Checks ----------Bills Payable -------------- 
 
-3-2~5iiii-iiii 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted 10,000 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
ances -------------------- 
 
Liability on Letters of Credit 
 
Overdrafts (if any) Secured__ 7,066 43 and Acceptances --------- --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes --------- 
 
Overdrafts Unsecured _____ _ 
 
210 29 Other Liabilities ----------- --------- 
 
Total --------------------$202,191 17 Total --------------------$202,191 17 
 
 388 
 
BANKING DEPARTMENT 
 
E:X:A111II:NER'S REPORT. 
 
FARMERS AND MERCHANTS BANK, MIDVILLE. 
 
At Close of Business September 7, 1920. 
 
Plresident-W. A. Daw. ~Vicei-President-S . A. J'ones. Cashier--J". B. Thu!I'Illan. 
 
Directors-W. A. Law, S. A. Jones, J. E. Cros's, H. L. Smith, C. A. Jackson. 
 
Dtae of Charter-March 17, 1913. 
 
Began Business-FebruarY, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$100,061 84 Capital Stock Paid In_______$ 15,000 00 
 
Demand Loans ------------- 24,544 39 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund -------------- 10,000 00 United States Bonds ______ 12,463 78 Undivided Profits ---------- 6,190 68 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 5,000 00 Due to Banks in this State __ Furniture and Fixtures ___ _ 3,500 00 Due to Banks in other States 
 
Due from Banks in this State 13,730 01 Call Money ---------------- 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------Currency ------------------ 
 
1,172 65 2,254 00 
 
Detmo aCnhdecCk e-r-ti-f-ic-a-t-e-s---o-f--D--e-- 
 
78,938 74 
 
Gold ---------------------Silver, Nickels, Pennies____ _ 
 
________ _ 274 01 
 
posit --------------------Time Certificates of Deposit 
 
19,000 00 46,141 80 
 
Advances on Cotton ________ --------- Savings Depo~its ---------- 
 
Advances on other Commodi- 
 
Trust Funds on Deposit_ __ _ 
 
ties ---------------------- ________ _ Cashier's Checks ----------Checks for Clearin~ House__ ________ _ Certified Checks ----------- 
 
808 16 
 
Other Check and Cash Items 2,368 93 Bills Payable -------------- 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
ances -------------------Overdrafts (if any) ________ _ 
 
________ _ 1,024 37 
 
Borrowed Money --------Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ________ _ 
 
Fire Insurance Fund _____ _ 
 
120 00 Reserve for Interest and Taxes 
 
Denositors' Guarantee Fund 3,0fi5 40 Other Liabilities ----------- 
 
Call Money ---------------- 6,500 00 
 
Total --------------------$176,079 38 Total --------------------$176,079 38 
 
BANK'S STATEMENT at Close of Business December 115, 19120. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n-s- - -_ -_ -_ _- _- _- _- _- _- _-_-_- -_ 
Loans Secured by Real Estate United States Bonds ______ _ Other Stocks and Bonds____ _ Banking House -----------Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-_-_-_ AdvanceR on Cotton _________ _ 
Advances on other Commodi- 
Chteiecsks--fo--r -C-l-e-a-r-i-n-~--H--o-u-s-e--__Other Checks and Cash Items CustomerR' Li~bility on Let- 
ters of Credit and Accept- 
ances ---------~--------- Overdrafts (if any)--------Other Assets: Denositors' Guar~ntee Fund_ Mutual Fire Fund _________ _ 
 
49,669 47 Capital Stock Paid In _______ $ 15,000 00 
24,464 96 Amt. Reserved for Branches --------19,120 69 Surnlus Fund -------------- 1 0,000 00 
Undivided Profits __________ 5,158 93 
 
Dividends Unpaid ----------- -------5,000 00 Due to Banks in this State__ --------3,500 00 Due to Banks in other States ________ _ 
 
18,288 41 
1.645 Sl 2,511 00 
17 50 303 34 2,701 55 
 
Call Money ----------------Individual Deposits Subject 
to Check ---------- ______ Demand Certificates of De- 
posit -------------------Time Certificates of Deposit Savings Deposits __________ Trust Funns on Deposit____ Cashier's Checks __________ _ 
 
8,500 00 55,331 92 
4,000 00 31.188 36 --------________ _ 
2,565 7S 
 
~;;9 77 CReilrlt,i;fiPedayaCbhleeck_s__-_-__-_-_-_-_-_-_-_-_- _--__-_-_-_-_-_--_ 
 
853 39 Notes and Bills Rediscounted --------Certific~te>< of Deposit for Borrowed Money _________ ________ _ 
 
Liability on Letters of Credit 23 70 and Accentances _________ --------- 
Reserve for Interest and Taxes _________ _ 
 
3,065 40 Other Liabilities ___________ --------- 
 
120 00 
 
Total --------------------$131,744 99 Tota1 ____________________ $131,7 44 99 
 
 FIRST ANNUAL REPORT 
 
E:XAMINEB.'S B.EPOB.T. 
 
BANK OF MILAN, MILAN. 
 
At Close of Business July 28, 1920. 
 
President--,L. 0. Benton. Vice-President-M. Cook. Cashier-R. C. Chambers. 
 
Directors-L. 0. Benton, M. Cook, R. C. Chambers, J. M. Cook, C. C. Cobb, R. E. 
 
Oravey, W. H. Williams. 
 
Date of Charter-December 5, 1906. 
 
Began Business-1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$-------- Capital Stock Paid In ______ $ 30,000 00 
 
Demand Loans ------------- 150,913 84 Amt. Reserved for Branches --------Loans Secured by Real Estate ________ _ Surplus Fund -------------- 6,000 00 United States Bonds ------- ________ _ Undivided Profits ----------- 4,104 16 Other Stocks and Bonds____ 13,550 00 Dividends Unpaid ----------- _______ _ 
 
Banking House ------------ 11,564 00 Due to Banks In this State__ --------Furniture and Fixtures ____ 2,800 00 Due to Banks in other States ________ _ 
 
Other Real Estate Owned__ 2,000 00 Call Money ---------------- --------Due from Banks in this State 11,571 16 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 60,125 60 
 
States -------------------- 4,154 67 Demand Certificates of Deposit --------Currency ------------------- 2,329 00 Time Certificates of Deposit 67,660 08 
 
SGiolvlder, --N--ic-k-e-l-s-,--P--e-n-n-ie-s-_-_-_-_Advances on Cotton ________ 
 
- - - -46-5- - -50________ _ 
 
Savings Deposits ----------Cashier's Checks -----------Certified Checks ----------- 
 
--------4,453 63 
--------- 
 
Advances on other Commodi- 
 
Bills Payable ------------- 30,000 00 
 
ties ---------------------- _________ Notes and Bills Rediscounted --------- 
 
Checks for Clearing House__ 
 
463 'T9 Certificates of Deposit for 
 
Other Checks and Cash Items 2,453 72 Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n-y-)- ----------------- 
 
_-_-_-_-_-_-_-_- -_ 
 
ReasnedrveAfcocrepIntatnecreesst a-n--d-T--a-x-e-s Other Liabilities ----------- 
 
-_-_-_-_-_ -_ _- _- -_ --------- 
 
. Other Assets --------------- 
 
77 79 
 
Total ---------------------$202,343 47 Total ---------------------$202,343 47 
 
:BIA'N!K'S S'I1A!l1EIMIENT at Close of Business December 115, 19120. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$102,723 02 Capital Stock Paid In ______ $ 30,000 00 Demand Loans ------------- 1,232 14 Amt. Reserved for' Branches _________ Loans Secured by Real Estate ________ _ Surplus Fund -------------- 6,000 00 United States Bonds _______ --------- Undivided ProfitR ---------- 3,627 30 Other Stocks and Bonds ___ _ 8, 750 00 Dividends Unpaid ----------- _______ _ Banking House ____________ 11 ,fi64 00 Due to Banks in this State__ ________ _ 
 
Furniture and Fixtures______ 2,800 00 Due to Banks in other States --------- 
 
Other Real Estate Owned____ 2.000 00 Call Money ---------------- --------Due from Banks in this State 2,943 53 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies ___ _ Advances on Cotton ________ Advances on other Commodi- 
Chteiecsks -f-o-r--C-l-e-a-r-in-g---H-o-u--se--__- 
 
1,R52 35 1,000 00 ________ _ 
200 00 --------- 
1,540 00 3,351 69 
 
to Check ----------------Demand Certificates of Depnsit Time Certificates of Deposit 
Savings Deoosits ----------CTarushsiterF'sunCdhsecokns D__e_p_o_s_it_________ Certified Checks ___________ Bills Payable ______________ Notes and Bills Rediscounted 
 
43,531 25 --------53,370 56 
---------_-_-_-__-_-_-_- -_ ________ _ 
5,000 00 ________ _ 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
572 38 
 
Certificates of Deposit for Borrowed Money _________ 
 
________ _ 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -(-i f- -a-n-y- )- - -_-_-_-_-_ -_ _- -_ Other Assets _____________ _ 
 
Liability on Letters of Credit and Acceptances _________ ________ _ 
Reserve for Interest and Taxes --------1,000 00 Other Liabilities ----------- --------- 
 
Total --------------------$141,529 11 Total --------------------$141,529 11 
 
 390 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
EXCHANGE BANK, MILLEDGEVILLE. 
 
At Close of Business September 11, 1920. 
 
President-John Conn. Vice-President-H. D. Allen. Cashier-Otto M. Conn. 
 
Directors-John Conn, 0. 0. Banks, Dixon Williams, Otto lVI. Conn, L. M. Jones, Jr., 
H. D. Allen, vV. L. Ritchie. 
 
Date of Charter-May 20, 1903. 
 
Began Business-June 1, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$429,533 22 Capital Stock Paid In ______ $ 75,000 00 
 
Demand Loans ------------- 43,747 66 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ------ 
 
________ _ 17,300 00 
 
US unrdpi vl ui ds e dF u nPdr o f-i-t s- - -_ -_ _- _- _-_-_- -_- - 
 
50,000 00 31,780 01 
 
Other Stocks and Bonds____ 4,000 00 Dividends Unpaid __________ _ 
 
153 00 
 
Banking House ------------ --------- Due to Banks in this State__ Furniture and Fixtures ____ 3,292 63 Due to Banks in other States Other Real Estate Owned____ ________ _ Individual Deposits Subject 
 
Due from Banks in this State Due from Banks in other 
 
97,917 20 
 
to Check ----------------- 202,431 G3 DemandCertificates of Deposit 
 
States ------------------- 15,988 53 Time Certificates of Deposit_ 
 
Currency ------------------- 27,961 00 Savings Deposits _________ _ 236,494 27 
 
GSiollvder,--N-i-c-l<--el-s-, -P--e-n-n-ie--s -_-__-_-_--_ 
 
12 50 Trust Funds on Deposit_ __ _ 5,539 77 Cashier's Checks ___________ _ 
 
Advances on Cotton ________ ________ _ Certified Checks ____________ 
 
6,135 90 
 
Advances on other Commodities ---------------------- 
 
________ _ CBaillllsMPoanyeayb-le---_-_-_-_-_-_-__-_-_-_-_-_--_ 150,000 00 
 
Checks for Clearing House __ 5,601 44 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
563 44 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_ -_ _- -_ 
 
--------2,597 19 
 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
2,234 72 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Certified Checks ------------ 
 
5 92 
 
- - - - - Cash Short ---------------- 
 
168 93 
 
Total --------------------$754,229 43 
 
Total _____________________ $754,229 43 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------.. --------$368,876 6!\ Capital Stock Paid In ______ $ 75,000 00 
 
Demand Loans ------------- 26,183 42 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 147,253 00 Surplus Fund -------------- 50,000 00 United States Bonds _______ 17,450 00 Undivided Profits ---------- 34,833 44 
 
Other Stocks and Bonds ____ 4,000 00 Dividends Unpaid ----------- _______ _ 
 
Banking House ------------ ________ _ Due to Banks in this State__ ________ _ 
 
Furniture and Fixtures ____ 3,292 63 Due to Banks in other States ________ _ 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- ________ _ 
 
Due from Banks in this State 46,172 38 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 169,897 64 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
9,603 33 Demand Certificates of Deposit --------9,026 00 Time Certificates of Deposit_ --------- 
10 00 Savings Deposits ------------ 207,720 37 2,809 34 Trust Funds on Deposit____ --------- 
 
Advances on Cotton _______ _ 
 
192 42 Cashier's Checks __________ _ 
 
847 87 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
707 92 
 
ties ---------------------- --------- Bills Payable --------------- 90,000 00 
 
Checks for Clearing House __ 1 '7!\1 30 Notes and Bills Rediscountecl 10,000 00 
 
Other Checks and Cash Items 
 
164 41 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( I-f- -a-n-y-)- - -_-_ -_ _- _- _-_- -_ 
 
- -4-, 0-1-3- - -68- 
 
Liability on Letters of Credit and Acceptances _________ 
Reserve for Interest ancl Taxes 
 
________ _ 2,188 84 
 
Other Assets: 
 
Other Liabilities ___________ --------- 
 
Baldwin Co. Orders _______ _ 
 
397 52 
 
Total --------------------$641,196 08 Total --------------------$641,196 08 
 
 FIRST ANNUAL REPORT 
 
391 
 
EXAMINEE'S BEPOBT. 
 
MERCHANTS & FARMERS BANK, MILLEDGEVILLE. 
 
At Close of Business September 4, 1920. 
 
President;-Jno. T. Allen. Cashier-L. C. Hall. 
 
Directors-Jno. 'l'. Allen, H. D. Allen, L. c. Hall, J. F. Bell, Jno. T. Day, L. N. 
 
Calloway. 
 
Date of Charter-January, 1898. 
 
Began Business--March, 1898. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$490,007 76 Capital Stock Paid In ______$ 80,000 00 
 
Demand Loans _____________ Loans Secured by Heal Estate 
 
1,800 00 --------- 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-8-0~000-00 
 
United States Bonds ______ 11,350 00 Undivided Profits ---------- 49,422 90 
 
Other Stocks and Bonds____ 10,000 00 Dividends Unpaid ---------- 
 
90 00 
 
Banking House ------------ --------- Due to Banks in this State__ Furniture and Fixtures ____ 2,464 58 Due to Banks in other States 
 
Other Real Estate Owned__ 4,037 48 Call Money ---------------- 
 
Due from Banks in this State 35,764 86 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 220,960 18 
 
States ------------------Currency ------------------- 
Gold ----------------------Silver, Nickels, Pennies______ 
 
1,577 53 Demand Certificates of Deposit 2,019 00 Time Certificates of Deposit 1,153 35 
205 00 Savings Deposits ---------- 130,725 04 1,439 40 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton ________ --------- Cashier's Checks ---------- 
 
498 90 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- --------- Bills Payable --------------- 20,000 00 
 
Checks for Clearing House__ 
 
880 22 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
225 17 Certificates of Deposit for 
 
Customers' Liahilitv on Letters of Credit and Accept- 
 
Borrowed Money ---------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances _________ _ 
 
Overdrafts (if any) ________ 
 
171 49 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
U. S. Treas. Cert. of Ind.____ 20,000 00 
 
Collection Acct. ----------- 
 
907 88 
 
Total --------------------$582,850 37 Total -------------------$582,850 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$465,334 17 Capital Stock Paid In ______ $ 80,000 00 Demand Loans ____________ 7,721 29 Amt. Reserved for Branches --------- 
 
Loans Secured by HeflJ Estate 
 
Surplus Fund -------------- 80,000 00 
 
included in above ________ _________ Undivided Profits __________ 60,057 12 
 
United States Bonds ________ Other Stocks and Bonds____ Banking House ____________ 
Furniture and Fixtures ____ Other Real Estate Owned____ 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ 
 
11,350 00 
 
_ ________ 
 
-----2,389 
 
- 
 
-00- 
 
4,037 48 
 
29,026 46 
 
3,616 44 6,419 00 
250 00 1,883 21 
 
Dividends Unpaid ----------- -------Due to Banks in this State --------Due to Banks in other States --------- 
Call Money ---------------- --------Individual Deposits Subject 
to Check ---------------- 262,899 92 Demand Certificates of Deposit --------Time Certificates of Deposit --------Savings Deposits ----------- 1,153 35 Trust Funds on Deposit____ --------Cashier's Checks ----------- 1,222 73 
 
Advances on Cotton -------- --------- Certified Checks ------------ --------- 
 
Advances on other Commodi- 
 
Bills Payable ______________ 50,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted --------- 
 
Checks for Clearing House__ 2,316 29 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
947 55 Borrowed Money---------- ---~----- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- --------- 
 
ances -------------------- --------- Reserve for Interest and Taxes --------- 
 
Overdrafts (if any) ________ 
 
41 65 Other Liabilities ___________ --------- 
 
Other Assets --------------- --------- 
 
Total --------------------$535,333 12 Total --------------------$535,333 12 
 
 392 
 
BANKING DEPARTMENT 
 
EXA'liii:INEBlS BEPOB'l'. 
 
MILLEDGEVILLE BANKING COMPANY, MILLEDGEVILLE. 
 
At Close of Business October 271 1920. 
 
President-Miller S. Bell. Vice-President-D. s. Sanford. Cashier-Miller s. Bell. 
 
Directors-E. E. Bell, J. E. Kidd, E. E. Base, J. B. Kennedy, B. I. Fraley. 
 
Date of Charter-October, 1874. 
 
Began Business-October, 1884. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------------$-------- Capital Stock Paid In ______$ 50,000 00 
 
Demand Loans ------------- 539,512 08 Amt. Reserved for Branches 
 
Loans Secured by Real Estate- --------- Surplus Fund -------------- 100,000 00 
 
United States Bonds -------- 16,000 00 Undivided Profits ---------- 55,071 26 
 
Other Stocks and Bonds ____ 6,334 00 Dividends Unpaid ---------- 
 
126 00 
 
Banking House ------------ 5,616 12 Due to Banks in this State__ 
 
Furniture and Fixtures ____ 6,091 82 Due to Banks in other States 
 
Other Real Estate Owned___ _ Due from Banks in this State 
 
-8-4~964-iio 
 
Call Money ---------------Individual Deposits Subject 
 
8,672 06 5,778 22 
 
Due from Banks in other 
 
to Check ---------------- 257,737 31 
 
States ------------------- 11,114 29 Demand Certificates of Deposit 
 
Currency ------------------- 12,713 00 Time Certificates of Deposit 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
602 50 Savings Deposits ---------- 235,374 62 4,496 83 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------Advances on other Commodi- 
 
541 29 Cashier's Checks ------------ 2,643 55 Certified Checks ------------ 
 
C htei ecsk s- -f-o-r - -C-l-e-a-r-i n- -g- -H-o-u- s-e-_-_- 
 
-2~122-iiii 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
127 83 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money ---------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------- 
 
Overdrafts (if any) -------- 7,166 30 Reserve for Interest and 'l'axes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
U. S. Treas. Cert. ---------- 20,000 00 
 
2,000 00 
 
Total --------------------$717,403 02 Total --------------------$717,403 02 
 
HANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$445,511 33 Capital Stock Paid In ------$ 50,000 00 
 
Demand Loans ------------- 78,924 80 Amt. Reserved for Branches Loans Secured by Real Estate --------- Surplus Fund -------------- 100,000 00 United States Bonds________ 15,000 00 Undivided Profits _.:_ _______ _ 55,517 69 
 
Other Stocks and Bonds __ 5,500 00 Dividends ----------------- 
 
Banlcing House, Furniture 
 
Due to Banks in this State 
 
126 00 
 
and Fixtures ------------ 11,707 94 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 82,163 77 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 491,855 82 
 
States ------------------- 15,699 29 Demand Certificates of Deposit 
 
Currency ------------------ 13,742 00 Time Certificates of Deposit 
 
Gold ----------------------- 
 
600 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ 5,200 95 Trust Funds on Deposit ---- 
 
Advances on Cotton -------- --------- Cashier's Checks ---------- 1,853 39 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- --------- Bills Payable -------------- 
 
Checks for Clearing House__ 
 
727 89 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
52 50 Certificates Of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances ---------Overdrafts (if any) -------- 3,688 43 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ------------ 
 
U. S. Treasury Certificates__ 20,000 00 
 
U. S. War Savings Stamps__ 
 
834 00 
 
Total --------------------$699,352 90 Total --------------------$699,352 90 
 
 FIRST ANNUAL REPORT 
 
393 
 
EXAMINER'S BEPOBT. 
 
BANK OF MILLEN, MILLEN. 
 
At Close of Business August 4, 1920. 
 
I'resident-J. P. Applewhite. Vice-Pres.idents-R. G. Daniels, I. 0. Parker. Cashier-J. F. Bates. 
 
Directors-J. P. Applewhite, R. G. Daniels, S. W. Palmer, S. C. Parker, I. o. 
Pa:rker, H. W. Parker, H. Bell, M. G. McComb, R. M. Murphee, J. F. Bates. 
 
Date of Charter-January 4; 1893. 
 
Began Business--March 1, 1893. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$365,060 10 Capital Stock ---------------$ 50,000 00 
 
Demand Loans ------------- 46,111 20 Amt. Reserved for Branches --------Loans Secured by Real Estate 10,048 67 Surplus Fund ------------- 50,000 00 United States Bonds ______ 39,500 00 Undivided Profits ---------- 13,890 36 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ----------- -------- 
 
Banking House ------------ 4,663 75 Due to Banks in this State --------Furniture and Fixtures______ 17,794 58 Due to Banks in other States --------- 
 
Other Real Estate Owned ____ --------- Call Money ---------------- --------Due from Banks in this State 95,165 09 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 274,643 70 
 
States ------------------- 11,410 09 Demand Certificates of De- 
 
Currency ------------------ 9,758 00 posit -------------------- 46,583 57 
 
Gold ----------------------- 117 50 Time Certificates of Deposit --------Silver, Nicl<els, Pennies______ 1,512 52 Savings Deposits ---------- 167,629 12 
 
Advances on Cotton ________ --------- Cashier's Checks ---------- 3,311 64 
 
Advances on other Commodi- 
 
Certified Checks ------------ --------- 
 
ties ---------------------- --------- Bills Payable -------------- --------Checks for Clearing House __ 1,687 21 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money ---------- --------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------- --------Overdrafts (if any) ________ --------- Reserve for Interest and Taxes --------- 
 
Other Assets: Advances on Fourth Liberty 
 
Other Liabilities ----------- 
 
15 32 
 
Loan Bonds -------------- 3,245 00 
 
Total --------------------$606,073 71 Total --------------------$606,073 71 
 
BANK'S STATEMENT at Close of Business Decemben- 15, 1920 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$276,043 76 Capital Stock Paid In ______$ 50,000 00 Demand Loans ------------ 80,832 33 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 57,460 27 Surplus Fund -------------- 50,000 00 
 
United States Bonds ______ 42,745 00 Undivided Profits ----------- 15,790 62 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ----------- -------- 
 
Banking House and Furniture 
 
Due to Banks in this State --------- 
 
and Fixtures ------------ 29,711 55 Due to Banks in other States --------- 
 
Other Real Estate Owned___ _ Due from Banks in this State 
 
-l3~o8i-12 
 
Call Money ---------------Individual Deposits Subject 
 
--------- 
 
Due from Banks in other 
States ------------------Currency ------------------GSiollvder-, --N--ic-k-e-l-s-, --P-e--n-n-i-e-s-__-_--_ 
 
to Check ----------------- 22~103 53 2,408 60 Demand Certificates of De6, 707 00 posit -------------------- 4~783 57 
135 00 Time Certificates of Deposit --------3,484 99 Savings Deposits ---------- 147,198 70 
 
Advances on Cotton -------Advances on other Commodi- 
 
7,930 21 Trust Funds on DepoBit ____ --------Cashier's Checks____________ 3,091 35 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- g- - -H-o-u- s-e-_-_- 
 
1174,,764870 9031 
 
Certified Checks -----------Bills Payable -------------- 
 
----------------- 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 20,000 00 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- --------- 
 
ances ---------------------Overdrafts (if any) -------Other Assets --------------- 
 
Liability on Letters of Credit 
and Acceptances ---------- --------Reserve for Interest and Taxes --------Other Liabilities ------------ --------- 
 
Total --------------------$552,967 77 Total --------------------$552,967 77 
 
 394 
 
BANKING DEPARTMENT 
 
E:X:A'MINER'S REPORT. 
 
FARMERS BANK, MILNER. 
 
At Close of Business July 28, 1920. 
 
President-L. 0. Benton. Vice-President-S. J. Childers. Cashier-G. P. Wheeless. 
Directors-L. a. Benton, S. J. Childers, G. P. Wheeless, B. F. Clark, B. H. Hardy, 
P. W. Etheridge, J. C. Martin, W. W. Dukes, Geo. 0. Goddard, J. B. Bell. 
 
Date of Charter-June 23, 1911. 
 
Began Business-August 15, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$143,423 96 Capital Stock Paid In _______ $ 20,000 00 Demand Loans ------------- 3,337 00 Amt. Reserved for Branches ________ _ Loans Secured by Real Estate ________ _ Surplus Fund -------------- 5,000 00 United States Bonds ________ 7, 700 00 Undivided Profits __________ 6,209 24 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ----------- _______ _ 
 
Banking House ------------- 1,600 00 Due to Banks in this State --------Furniture and Fixtures ____ 1,832 00 Due to Banks in other States --------Other Real Estate Owned____ ________ _ Call Money ---------------- ________ _ 
 
Due from Banks in this State 4,518 96 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 62,966 95 
 
States ------------------- 
Currency ------------------GSiollvder-, -N--ic-k-e-l-s-,-P--e-n-n-i-e-s-_-_-__-_--_ 
 
5,976 994 
 
81 00 
 
DTiemmeanCd Ceretirftiicfiactaetses_o_f_D__e_p_o_s_i_t 
 
--------36,280 41 
 
--------- 835 00 Savings Deposits __________ _ 
685 01 Cashier's Checks ___________ _ 
 
44 85 
 
Advances on Cotton -------- --------- Certified Checks ------------ --------- 
 
Advances on other Commodi- 
 
Bills Payable -------------- 35,000 00 
 
ties --------------------- --------- Notes and Bills Rediscounted 5,780 85 Checks for Clearing House__ --------- Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
265 44 Borrowed Money ---------- --------Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- --------- 
 
Ovaenrcdersaf-ts--(-i-f-a-n-y--) ------------------- 
 
- - - 1- 4-3- - 7-3- 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
--------29 61 
 
Other Assets --------------- --------- 
 
Total --------------------$171,311 91 Total --------------------$171,311 91 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________$126,384 00 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate 12,562 35 Surplus Fund -------------- 5,000 00 
 
United States Bonds ______ 7,700 00 Undivided Profits ----------- 
 
264 14 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------Banking House ____________ 1,600 00 Due to Banks in this State 
 
Furniture and Fixtures ____ 1,832 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State 7,202 25 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 43,505 47 
 
States ------------------- 
 
290 90 Demand Certificates of Deposit 
 
Currency ------------------- 1,993 00 Time Certificates of Deposit 32,750 34 
 
Gold ----------------------- 
 
845 00 Savings Deposits __________ _ 
 
Silver, Nickels, Pennies ____ 
 
267 66 Trust Funds on Deposit ___ _ 
 
Advances on Cotton ________ 1,9H 67 Cashier's Checks ------------ 5,329 99 
 
Advances on Cotton Seed __ 
 
626 14 Certified Checks ------------ 
 
Checks for Clearing House___ _________ Bills Payable _____________ _ 48,000 00 
 
Other Checks and Cash Items 
 
35 00 Notes and Bills Rediscounted 3,737 20 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- 
 
ances -------------------Overdrafts (if any) ________ 
 
--------317 17 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Other Assets ____ __________ --------- Reserve for Interest and Taxes 7 Other Liabilities ------------ 
 
Total --------------------$163,587 14 Total --------------------$163,587 14 
 
 FIRST ANNUAL REPORT 
 
395 
 
EXA'MI:NER'S REPORT. 
 
BANK OF MILLTOWN, MILLTOWN. 
 
At Close of Business August 3, 1920. 
 
Presilient-J. F. Lewis. Vice-Presidents-M. C. Lee, R. L. Patten. Cashier-M. W. Bargeron. 
Directors-J. F. Lewis, M. C. Lee, R. L. Patten, R. Simpson, T. J. Crum, J. B. 
 
Strickland, S. I. Watson, E. J. Carter, B. J. O'Brien. 
 
Date of Charter-March 14, 1905. 
 
Began Business-March 21, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$158,305 99 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ Other Stocks and Bonds_____ 
Banking House -----------Furniture and Fixtures______ Other Real Estate Owned____ Due from Banks in this State 
 
50,529 79 ________ _ 
1,000 oo 
________ _ 
4,571 47 l ,907 40 5,127 91 19,206 56 
 
Amt. Reserved for Branches --------- 
 
Surplus Fund ------------- 5,000 00 
 
Undivided Profits ---------- 5,188 44 
 
Dividends Unpaid ------------ 
 
72 00 
 
Due to Banks in this State --------- 
 
Due to Danks in other States --------- 
 
Call Money ---------------- _________ 
 
Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ _ Advances on Cotton _______ _ 
 
to Check ---------------- 72,876 36 
 
] ,142 2 6 Demand Certificates of Deposit -------- 
 
] ,881 00 Time Certificates of Deposit__ 137,196 69 
 
90 00 Savings Deposits ----------- --------- 
 
242 87 Cashier's Checks ------------ 
 
205 67 
 
] ,228 61 Certified Checks ____________ --------- 
 
Advances on other Commodi- 
 
Bills Payable -------------- --------- 
 
ties --------------------- ------~-- Notes and Bills Rediscounted --------- 
 
Checks for Clearing House __ 
 
10 95 Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
285 00 Borrowed Money --------- --------Liability on Letters of Credit, and Acceptances ________ --------- 
 
ances -------------------Overdrafts (if any) -------- 
 
--- 
 
- - -9 - 
 
-41 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ------------ 
 
06 
 
Other Assets --------------- --------- 
 
Total --------------------$245,539 22 Total --------------------$245,539 22 
 
BANK'S STATEMENT at Close of Business Decembe,r 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$128,216 07 Capital Stock Paid In ______$ 25,000 00 
 
Demand Loans ------------- 2,900 50 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 41,185 94 Surplus Fund -------------United States Bonds ________ l ,000 00 Undivided Profits ---------Other Stocks and Bonds_____ ________ _ Dividends Unpaid ---------Banking House _____________ 4,571 47 Due to Banks in this State 
 
5,000 00 6,972 80 
32 00 
 
Furniture and Fixtures ____ 1,907 40 Due to Banks in other States 
 
Other Real Estate Owned__ 5,127 91 Call Money ---------------- 
 
Due from Banks in this State 16,871 29 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------ 
 
1,116 71 Detmo aCndheCcekrt-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 52,443 80 4,981 01 Time Certificates of Deposit 124,249 34 
 
Gold ----------------------Silver, Nickels, Penntes_____ 
 
--------518 51 
 
Savings Deposits ----------Trust Funds on Deposit_ __ _ 
 
Advances on Cotton ________ 5,311 28 Cashier's Checks ---------- 
 
161 30 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- -------.-- Bills Payable -------------- 
 
Checks for Clearing House 
 
151 66 Notes and Bills Rediscounted 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances  -------------------- ________ _ and Acceptances ---------- 
 
Overdrafts (if any) -------Other Assets --------------- 
 
----------------- 
 
Reserve for Interest and Taxes Other Liabilities ___________ _ 
 
Total --------------------$213,859 24 Total --------------------$213,859 24 
 
 r 
l 
 
396 
 
BANKING DEPARTMENT 
 
EX:AlllliNElt'S B.EPOB.'l'. 
 
FARMERS & MERCHANTS BANK, MILLTOWN. 
 
At Close of Business September 4, 1920. 
 
President-R. N. Burch. Vice-Presidents-S. R. Patten, \V. L. Miller. Cashier'-R. M. Penland. 
 
Directors-R. N. Burch, S. R. Patten, W. L. Miller, R. M. Penland, R. E. Howell, M. C. Tomlinson, C. L. Clements. 
 
Date of Charter-April 18, 1907. 
 
Began Business-July 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 99,482 5. 
 
Demand Loans ---------------- 11,007 62 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
Other Stocks and Bonds _____ _ 3,000 00 
 
Banking House --------------- 2,167 00 
 
Furniture and Fixtures ------ 2,415 4' Other Real Estate Owned ___ _ 3,199 86 
 
Due from Banks in this State 7,711 47 
 
Due f,rom Banks in other States 4,230 62 
 
Currency, Gold, Silver, Nickels 
 
AdPveannncieess o-n---C-o-t-t-o-n---------------------- 
 
4,377 46 205 84 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 
 
Custome.rs' Liabi!Hy on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts Of any) ------------ 247 06 
 
Other Assets: 
 
Depositors' Guarantee Fund.... 3,385 80 
 
Fi.re Insurance Fund ---------- 120 00 
 
Profit and Loss --------------- 136 12 
 
Capital Stock Paid in --------$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------- 52:; 45 
 
Undivided Pil'ofits -------------- 
 
Dividends Unpaid -----------Due to Banks in this State ___ _ 
 
Due to Banks in other States__ Call Money -------------------- 
 
-2-8~o<m-oo 
 
Individual Deposits Subject to 
 
Check ----------------------- 27,282 65 Demand Certificates of Deposit 6,500 00 
 
Time Certificates of Deposit___ 60,852 02 
 
Savings Deposits -------------- 3,419 04 Trust Funds on Deposit_ ______ _ 
 
Cashier's Checks -------------- 104 66 
 
Certified Checks --------------- 
 
Bills Payable -----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances ________ ---- 
 
Reserve for Inte.rest and Taxes 
 
Other Liabilities: 
 
Cash Long -------------------- 
 
3 04 
 
Total ------------------------$141,686 8c Total ------------------------$141,686 86 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$106,687 20 
 
Demand Loans ---------------- 10,528 00 
 
Loans Secured by Real Estate --------- 
 
United States Bonds__________ --------- 
 
Other Stocks and Bonds ------ 3,000 00 
 
Banking House --------------- 2,167 00 Furniture and Fixtures ______ 2,415 49 
 
Othe-r Real Estate Owned_____ 3,799 86 
 
Due from Banks in this State 1,479 2& 
 
Due from Banks in other States 3,221 78 
 
Currency ---------------------- 1.~~2 00 
 
Gold ---------.-----------------Silver, Nickels, Pennies ------- 
 
333 36 
 
Advances on Cotton ---------- 2,310 73 
 
Advances on other Commodities --------- 
 
Checks for Clearing House____ --------- 
 
Other Checks and Cash Items 1, 562 50 
 
Customers' Liabildty on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ------------ --------Other Assets: 
 
Depositors' Guarantee Fund __ _ 3,385 80 
 
Mutual Fire Insurance Fund __ 12U 00 
 
Profit and Loss ---------------- 1,317 31 
 
Sundry Banks ---------------- 
 
61 50 
 
Capital Stock Paid in ---------$ 15,000 00 Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- 525 45 
 
Undivided Profits -------------- --------- 
 
Dividends Unpaid ------------- 
 
30 00 
 
Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Ce,rtificates of Deposit Time Certificates of Deposit_ __ 
 
12,000 00 
23,320 72 7,500 00 
52,993 54 
 
Sa;nings Deposits -------------- 2,963 73 Trust Funds on Deposit________ --------- 
 
Cashier's Checks ------------- 
 
48 34 
 
Certified Checks --------------- --------Bills Payable ------------------ 30,000 00 Notes and Bills Rediscounted __ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Lette.rs of Credit 
 
and Acceptances -------- ..--- --------Reserve for Inte.rest and Taxes --------- 
 
Other Liabilities -------------- --------. 
 
Total ------------------------$144,381 78 Total ------------------------$144,381 78 
 
 FIRST ANNUAL REPORT 
 
397 
 
EXAMINEB'S BEPOBT. 
 
BANK OF MOLENA, MOLENA. 
 
At Close of Business July 15, 1920. 
 
President-Z. Lawrence. Vice-Presldent-W. M. Jordan. Cashier-J. C. Wilkes. 
 
Directors-Z. Lawrence, w. M. Jordan, D. M. Willis, w. M. Barker, W. M:. Hardy, 
 
W. 0. Jordan. 
 
Date of Charter-1901. 
 
BegfJ.IL Business-1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 72,704 5l 
Demand Loans --------------- 10,000 00 Loans Secured by Real Estfte United States Bonds_________ _ 
 
Other Stocks and Bonds -----Banking House ---------------Furniture and Fixtures -----Other Real Estate Owned-----Due from Banks in this State Due from Banks in othe.r States 
Currency ---------------------GSiollvder-, --N--ic-k--e-ls-,---P-e-n-n--ie--s-_-__-_-_-_--_ Advances on Cotton___________ _ 
 
4,500 0() 1,693 90 1,841 2b 
12,075 94 5,818 53 4,089 00 
22 5G 991 31 
 
Advances on other Commodities Checks for Clearing House___ _ 
 
Other Checks and Cash Items Customers' LiabiLity on Letters 
of Credit and Acceptances__ 
Overdrafts (if any) ----------Other Assets ------------------ 
 
200 12 3,464 5( 
 
Capital Stock Paid in --------$ 15,000 00 Amount Reserved for Branches Surplus Fund ----------------- 1,000 00 Undivided Profits ------------ 7,930 78 Dividends TJnpaid ---- ------Due to Banks in this State___ _ Due to Banks in other States__ 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 68,662 8~ Demand Certificates of Deposit Time Certificates of DeposiL_ 24,602 12 Savings Deposits -------------Cashier's Checks -------------- 170 00 Certified Checks --------------Bills PaYable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances ------- - __ _ Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
n Total ------------------------$117,365 
 
rota! ------------------------$117,36]; 72 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 65,098 05 Demand Loans ---------------- 5,512 99 
 
Loans Secured by Real Estate 12,548 00 United States Bonds _________ _ 
 
Other Stocks and Bonds _____ _ 4,625 00 
 
Banking House --------------- 1,693 90 
 
Furniture and Fixtures ------ 1,841 28 
 
Other Real Estate Owned_____ _ Due from Banks in this State __ 
 
-{22'6-36 
 
Due from Banks in other States 1,594 69 
 
Currency ---------------------- 2,584 00 
 
Gold -------------------------- 
 
25 00 
 
Silver, Nickels, Pennies ------ 623" 68 
 
Advances on Cotton ---------- 5,159 60 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
O'ther Checks and Cash Items__ 670 31 
 
Customocs' Liability on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts (if any) ------------ 258 87 
 
Other Assets: 
 
Depositors' Insurance Fund___ _ 3,464 5C 
 
Capital Stock Paid in --------$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits -------------Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States 
 
3,000 00 
4,545214> o6o4 11,,50o0o0 0o0n 
 
Call Money ------------------Individual Deposits Subject to 
 
Check ----------------------- 36,205 87 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
-2-9~o33-3o 
 
Savings Deposits -------------T,rust Funds on Deposit_______ _ 
 
Cashier's Checks. -------------- 106 42 
 
Certified Checks --------------Bills Payable ------------------ 19,000 00 Notes and Bills Rediscounted __ 
 
Certificates of Depos-it for Bor- 
 
rowed Money -------~------- Liability on Letters of Credit 
 
and Acceptances ------ . - .. _ 
 
Reserve for Interest and '!'axes 
 
Other Liabilities -------------- 
 
Total ------------------------$109,926 23 Total ------------------------$109,92~ 23 
 
 a9s 
 
BANKING DEPARTMENT 
 
EXA'MINEB.'S B.EPOB.T. 
 
BANK OF MONROE, MONROE. 
 
At Close of Business August 24, 1920. 
 
President-B. S. Walker. Vice-P.resident-J. R. Radford. Cashier-J. R. Radford. 
 
Directors-B. S. Walker, J. R. Radford, J. P. Adams, W. P. Bell, H. B. Launius, 
 
W. H. Nunnally, Clifford Walker. 
 
Date of Charter--:December 30, 1890. 
 
Began Business-April 2, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$708,397 64 
 
Demand Loans ---------------- 25,000 00 
 
Loans Secured by Real Estate 213,397 64 
 
United States Bonds ---------- 109,940 00 Other Stocks and Bonds ___ . __ ---- ----- 
 
Banking House ---------------- --------Furniture and Fixtures -------- 2,500 00 
 
Other Real Estate Owned______ --------- 
 
Due from Banks in this State__ 64,539 60 
 
Due from Banks in other States 22,230 13 
 
Cunrency ---------------------- 8,216 00 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ 
 
:14 00 3,33'6 77 
 
Advances on Cotton ---------- 88,247 36 
 
Advances on other Commodities --------- 
 
Cheeks for Clearing House -- 1,Hl8 01 
 
Other Cheeks and Cash Items 
 
86 50 
 
C'ustomea-s' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ---------- 1,074 59 
 
Other Assets ------------------ 120,469 4( 
 
Capital Stock Paid in --------$300,000 00 
 
Amount Reserved for Branches --------Surplus Fund ------------------ 75,000 00 Undivided Profits ------------ 568 10 DDiuveidteondBsanUkns pianidthi-s--S--ta--te--_-_-_-_____6_3_3__00_ 
 
Due to Banks in othe1 States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 338,280 08 Demand Ce,rtificates of Deposit 100,217 IJ3 Time Certificates of Deposit__ 18,489 63 Savings Deposits -------------- ________ _ 
 
Cashier's Checks -------------- 364 13 
 
Certified Checks -------------- 
 
42 07 
 
Bills Payable ------------------ 380,500 00 
 
Notes and Bills Rediscounted __ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------LiaanbdilitAyccoenptaLnecttees.rs___o_f__C__r_e_d_i_t 8,680 42 Reserve for Interest and Taxes 24,920 74 Other Liabilities -------------- 119,400 80 
 
Total ----------------------$1,367,186 00 Total ---------------------$1,367,186 00 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIAB~LITIES 
 
Time Loans -------------------$566,101 I'7 Capital Stock Paid in --------$300,0-00 oo 
 
Demand Loans --------------- 29,181 85 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 200,000 00 .Surplus Fund ---------------- 75,000 0'0 
 
United States Bonds ---------- 11,350 00 unqivided Profits -------------- 4,116 44 
 
Other Stocks and Bonds _____ . -------- D1v1dends Unpaid -------------- 387 00 
 
Banking House ---------------Furniture and Fixtures -------- 
 
--------2,500 00 
 
Due to Banks in this State____ Due to Banks in other State-s__ 
 
--------________ _ 
 
Other Real Estate Owned-----Due from Banks in this State 
 
ICnadlilvMidounael yD-e-p--o-s-it-s---S-u-b--je-c--t --to- --------- 
 
Due from Banks in other States 
 
Check ----------------------- 317,794 20 
 
Currency ---------------------- 
 
Demand Certificates of Deposit 47,058 08 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ 
 
Time Certificates of Deposit___ 21,742 21 Savings Deposits -------------- --------- 
 
Advances on Cotton ---------- 
 
Trust Funds on Deposit________ --------- 
 
Advances on other Commodities --------- Cashier's Checks -------------- 589 46 
 
Checks for Clearing House ---Other Checks and Cash Items 
 
2,368 51 1,3"64 34 
 
BCielrltsifPieadyaCbhleec_k_s___-_-_-_-_-_-_-_--c-__-_-_-_- 135,51020 0070 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted__ --------- 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) -----------Other Assets: War Savings Certificates ------ 
 
--------844 00 
 
Li~b'fii~ ~~netette~8-'0T-c~e'2iit 
and Acceptances _______ .. ___ 
 
--------________ _ 
 
DepositOI!'S' U. S. Bond Account 72,000 00 Reserve for Interest and Taxes 17,481 44 
 
TT. S. Bond Certificates of De- 
 
posit ------------------------- 72,000 uo 
 
Reserve for Bond Depreciation 804 37 
 
Total ------------------------$992,485 27 Total ------------------------$992,48:5 27 
 
 FmsT ANNUAL REPORT 
 
399 
 
EXA'l!IIINEB'S BEPOB'.E'. 
 
FARMERS BANK, MONROE. 
 
At Close of Business August 25, 1920. 
 
President-J. M. Nowell. Vice-Presidents-A. B. Mobley, H. M. Arnold. Cashier-E. D. Newton. 
 
Drrectors-:J. M. Nowell, A. B. Mobley, H. M. Arnold, R. L. Nowell, Robt. Aycock, W. L. Woods, W. H. Broach, J. T. LaBoon, J. 0. Breedlove. 
 
Date of Charter-December 2, 1905. 
 
Began Business-January 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$411,909 22 Capital Stock Paid in ________ $100,000 00 
 
Demand Loans ---------------- 28,000 00 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 8,000 00 Surplus Fund ------------------ fiO.OOO 00 United States Bonds ________ 12,86ll 00 Undivided P,rofits ------------ n;&35 10 
 
Other Stocks and Bonds ____ - 
 
Dividends Unpaid ------------- fliO UO 
 
Banking House ---------------- ________ _ Due to Banks in this State____ --------Furniture and Fixtures ______ 3,688 68 Due to Banks in other States__ ________ _ 
 
Other Real Estate Owned______ --------- Call Money -------------------- --------Due from Banks in this State 63.902 97 Individual Deposits Subject to 
 
Due from Banks in other States 
Currency ---------------------- 
Gold --------------------------Silver, Nickels, Pennies ______ Advances on Cotton____________ 
 
24.8"21 69 
8,4114 00 
50 on 
2,146 97 --------- 
 
Check ----------------------- 330,942 :r,> Demand Certificates of Deposit 1,976 46 Time ce,rtificates of Deposit___ 51,224 24 Savings Deposits -------------- --------Trust Funds on Deposit________ --------- 
 
Advances on other Commodities ________ _ Cashier's Checks -------------- --------- 
 
Checks for Clearing House ___ _ 184 07 Certified Checks -------------- 
 
52 75 
 
Other Checks and Cash Items 
 
47 55 Bills Payable ------------------ 60,000 00 
 
Customel!'s' Liability on Letters 
 
Notes and Bills Rediscounted__ --------- 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ --------- rowed Money ---------------- --------- 
 
Other Assets ------------------ 
 
84,0211 72 
 
LiabilitY on Lette,rs of Credit and Acceptances ______ . _____ --------- 
 
Reserve for Inte,rest and Taxes --------- 
 
Other Liabilities -------------- 83,950 00 
 
Total ------------------------$708,140 87 Total ------------------------$708,140 87 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$211.179 1i7 Capital Stock Paid in ________ $100,000 0'0 Demand Loans ----------------- 84.436 26 Amount Reserved for Branches Loans Secured by Real Estate 122,922 53 Surplus Fund ----------------- 
 
United States Bonds -------- 1,020 00 Undivided Profits -------------Other Stocks and Bonds ________ ------- Dividends Unpaid -------------Banking House ________________ --------- Due to Banks in this State____ --------- 
 
Furniture and Fixtures ______ 3,688 68 Due to Banks in other States__ --------- 
 
Other Real Estate Owned______ --------- Call Money -------------------- --------- 
 
Due from Banks in this State 20.657 74 Individual Depos-its Subject to 
 
Due from Banks in other States 6,131 17 Check ------------------------ 172,714 49 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_-_- 
 
9,302 00 2,134'30' 02'07 
 
Demand Certificates of Deposit Time Certificates of Deposit___ Savings Deposits -------------- 
 
152 78 40,860 21 --------- 
 
Advances on Cotton____________ ________ _ Trust Funds on Deposit________ ________ _ 
 
Advances on other Commodities Checks for Clearing House __ 
 
--2~21-18 
 
Cashier's Checks -------------Certified Checks -------------- 
 
1,692 25 67 38 
 
Other Checks and Cash Items 
 
43 18 Bills Payable ------------------ 80,00'0 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted __ --------- 
 
of Cr'edit and Acceptances__ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) __________ ________ _ rowed Money ---------------- --------- 
 
Other Assets: Libel!'tY Bonds-Safe Keeping 
 
Liability on Letters of Credit and Acceptances _______ ____ __ --------- 
 
Account 
 
--------------------- 
 
81,050 00 
 
Reserve for l'nterest and Taxes Other Liabilities: 
 
--------- 
 
Customers' Liberty Bonds De- 
 
posit Account --------------- 81,050 00 
 
Total --~---------------------$544,8'&5 6F Total ------------------------$544,885 68 
 
 400 
 
BANKING DEPARTMENT 
 
EXAMI:NEB.'S B.EPOB.T. 
 
UNION BANKING COMPANY, MONROE. 
 
At Close of Business August 23, 1920. 
 
President-L. 0. Benton. Vice-Presidents-J. E. W.right, C. L. Barrett. Cashier-H. D. Spivey. 
 
Directors-L. 0. Benton, J. E. W<right, C. L. Barrett, H. D. Spivey, W. P. Briscoe, S. D. Moon, W. K. Swann. 
 
Date of Charter-August 17, 1912. 
 
Began Business-September 12, 1912. 
 
RESOURCIDS 
 
LIABILITIES 
 
Time Loans -------------------$317,685 64 Capital Stock Paid in ________ $60,000 00 
 
Demand Loans ---------------- 18,000 00 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 25,000 00 Surplus Fund ----------------- 12,000 00 
 
United States Bonds --------.. 10,200 00 Undivided Profits ------------ 18,578 09 
 
Other Stocks and Bonds ______ Banking House -------------- 
 
35,388 50 4,681 56 
 
DDiuveidteondBsanUkns pianidthi-s--S-t-a-t-e-_-_-_-_- 
 
-_-__-_-_-_-_-_-_- 
 
Furniture and Fixtures -------- 3,500 00 Due to Banks in other States__ --------- 
 
Other Real Estate Owned______ -------- Call Money -------------------- --------Due from Banks in this State 8,927 38 Individual Deposits Subject to 
 
Due from Banks in othe<r States 2. 738 85 Check ----------------------- 192,103 30 
 
Currency ---------------------- 3,968 00 GSiolvlder,--N--i-c-k-e-l-s-, --P-e-n-n-i-e-s,-_-_-_-_-_-_-_-_- 1,471 00 Advances on Cotton____________ --------- 
 
Demand Certificates of Deposit --------Time Certificates of Deposit __ 31,216 38 STarvuisntgFs uDndeps oosnitsDe-p-o--si-t-_-_-_-_-_-_-_-_- _-_-_-_-_-_-_-_--_ 
 
Advances on other Commodities Checks for Clearing House ____ 
 
---332-58 
 
Cashier's Checks -------------Certified Checks -------------- 
 
1,125 30 1,000 00 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
1,297 49 BNiolltsesPaanydabBleill-s--R-e--d-is-c-o--u-n-t-e-d-_-_- 1_2_0_,_0_0_0__00_ 
 
of Credit and Acceptances__ --------- Certificates of DeposH for Bor- 
 
Overdrafts (if any) ------------ ________ _ rowed Money ---------------- --------- 
 
Other Assets ------------------ 
 
--------- 
 
Liability on Letters of Credit and Acceptances ------------ ________ _ 
 
Reserve for Inte.rest and Taxes --------- 
 
Otlier Liabilities -------------- 503 84 
 
Total ------------------------$436,526 91 Total ------------------------$436,526 91 
 
BANK'S STATEMENT at Close o.f Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$218,892 18 Capital Stock Paid in ________ $ 60,000 00 
 
Demand Loans ---------------Loans Secured by Real Estate 
 
5,592 56 71,358 4f 
 
Amount Reserved for Branches Surplus Fund ---------------- 
 
--------- 
12,000 uo 
 
United -states Bonds ---------- --------- Undivided Profits -------------- 14,249 07 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid ------------ --------- 
 
Banking House ------------- __ 4, 783 23 Due to Banks in this State____ --------- 
 
Furniturre and Fixtures ------ 3,800 00 Due to Banks in other States__ _______.__ 
 
Other Real Estate Owned______ --------- Call Money -------------------- ________ _ Due from Banks in this State 11,2'34 86 Individual Deposits Subject to 
 
Due from Banks in other States Currency ---------------------SGiolvlder,---N-i-c-k-e-l-s-,--P-e--n-n-i-e-s--_-_-_-_-_-_Advances on Cotton __________ 
 
1,912 ~2 2,0{g 00 
878 39 18,689 69 
 
Check ----------------------- 108,716 12 Demand Ce.rtificates of Deposit --------Time Certificates of Deposit__ 24,980 31 STarvuisntgFs uDndeps oosnitsDe-p-o-s-i-t-_-_-_-_-_-_-_-_- -_-__-_-_-_-_-_--_ 
 
Advances on other Commodities --------- Cashier's Checks -------------- 2,061 4~ Checks for Clearing House __ 2, 762 4f Certified Checks -------------- 1,000 00 
 
Other Checks and Cash Items 5,:Tirn 47 Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any) ____________ --------- 
Other Assets ------------------ --------- 
 
Bills Payable ------------------ 120,000 00 Notes and Bills Rediscounted__ 4,248 80 Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Lette.rs of Credit 
and Acceptances ------------ ________ _ 
 
Reserve for Inte,rest and Taxes --------Other Liabilities -------------- ________ _ 
 
Total ------------------------$347,255 72 Total ------------------------$347,255 72 
 
 FIRST ANNUAL REPORT 
 
401 
 
EXA'MINEB.'S B.EPOB.T. 
 
THE BANK OF MONTEZUMA, lVIONTEZUlVIA. 
 
At Close of Business July 26, 1920. 
 
President-H. N. Gallaher. Vice-President-Yauncey Hill. Cashier-J. M. Miller. 
 
Directors-H. N. Gallaher, Yauncey Hill, R. W. Epry, W. C. Hicks, T. J. Hykes, 
 
G. T. F'ranklin. 
 
Date of Charter-April 10, 1918. 
 
Began Business-May 1, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
j';~~~n~0t~~n~-================$ 
 
81,412 5,2ll0 
 
69 00 
 
Loans SecuJCed by Real Estate 7,5lr0 00 
 
United States Bonds_______ _ 3,850 00 
 
Other Stocks and Bonds _____ _ 
 
Banking House ---------------Furniture and Fixtures _______ _ 3,(}43 6F Other Real Estate Owned _____ _ 
 
Due from Banks in this State 14,320 2~ Due from Banks in other States 141 71 
 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies _____ _ Advances on Cotton ___________ _ 
 
2,670 00 85 00 508 72 
 
.Advances on other Commodities Checks for Clearing House ___ _ 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any) _________ _ 
 
1,399 56 12 00 
99 47 
 
Other Assets ---------------- 3,520 41 
 
Capital Stock Paid in --------$ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ---------------- --------- 
 
Undivided Profits -------------- --------- 
 
Dividends Unpaid ------------ --------Due to Banks in this State____ --------- 
 
Due to Banl<s in other States__ --------- 
 
Call Money -------------------- 54,500 00 Individual Depos,Jts Subject to 
 
Check ----------------------- 27.103 ~" Demand Certificates of Deposit 7,700 00 Time Cedificates of Deposit__ 4,155 47 
 
Savings Deposits -------------- --------Cashier's Checks -------------- 223 15 
 
Certified Checks --------------- --------Bills Payable ------------------ 5, 000 00 
 
Notes and Bills Rediscounted__ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Lette.rs of Credit 
 
and Acceptances ------------ ________ _ 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 
 
81 55 
 
Total ------------------------$123,763 52 Total ------------------------$123,763 (;? 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __________________ $ 6!) 46!> !)0 
 
Demand L<Ja,ns ---------------- 7,948 00 Loans Secured by Real Estate 6,770 93 
 
United States Bonds ---------- 3,850 00 
 
Other Stocks and Bonds ------ 
 
Banking House ---------------- 
 
Furniture and Fixtures ------ 3,043 68 
 
Other Real Estate Owned __.___ _ Due from Banks in this State-- 
 
---473-36 
 
Due from Banks in other States 1 ,3(}8 3!' 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-_-__--_ Advances on Cotton ___________ _ 
 
2, 7!l2 ~r 
90 00 935 14 
 
.Advances on other Commodities 
 
Checks for Clearing House __ 
 
Other Checks and Cash Items 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts (if any) ------------ 997 55 
 
Other Assets: 
 
Depositors Guarantee FUn<l __ 2,787 37 
 
Profit and Loss -------------- 2,612 72 
 
Capital Stock Paid in ________ $ 25,000' 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- --------Undivided Profits -------------- --------Dividends Unpaid ------------ ________ _ 
 
Due to Bank~ in this State____ --------Due to Banks in other States__ --------- 
 
Call Money ------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ 
 
28,500 00 
19.68l) !)1 1,200 00 5,080 81 
 
Savings Deposits -------------- --------Trust Funds on Deposit________ --------Cashier's Checks -------------- 129 21 
 
Certified Checks --------------- --------Bills Payable ------------------ 10,000 00 K otes and Bills Rediscounted__ 4,844 43 Certificates of Depos-it for Bor- 
 
rowed l\foney ---------------- --------Liability on Lette.rs of Credit 
and Acceptances ____________ --------Rese.rve for Interest and Taxes ________ _ 
 
Other Liabilities -------------- -------- 
 
Total ------------------------$100, 9:I4 96 Total ------------------------$100,934 96 
 
 r 
 
402 
 
BANKING DErARTMENT 
 
EXAMINER'S REPORT. 
JASPER COUNTY BANK, MONTICELLO. 
At Close of Business September 22, 1920. 
Presidenet-H. P. Benton. Vice-President-J. F. Benton. Cashier-G. W. Cornwell. 
Directors-H. P. Benton, J. L. Benton, J. F. Benton, D. B. Benton, G. w. Corn- 
well, C. D. Jordan. Date of Charter-February 5, 1898. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$169.236 98 Capital Stock Paid in --------$ 25,000 00 
 
Demand Loans ---------------- 62.527 14 Amount Reserved for Branches 
 
Loans Secured by Real EBtate --------- Surplus Fund ------------------ 25,000 00 
 
United States Bonds "--------Other Stocks and Bonds ______ 
 
17,000 00 4.981 67 
 
UDnivdiidveinddesd PUronfpiatsid---_-__-_-_-_-_-_-_-_-_--_ 
 
12,663 32 
 
Banking House --------------- 2.800 or Due to Banks in this State ___ _ 
Furniture and Fixtures ________ 4,000 00 Due to Banks in other States__ Other Real Estate Owned____ _ ______ _ Call Money -------------------Due from Banks in this State 13.004 57 Individual Deposits Subject to 
 
Due from Banks in other States Cunrency ---------------------- 
 
7.013 4.1J4ll 
 
0o8r 
 
Check ----------------------- 142,149 17 Demand Ce.rtificates of Deposit 
 
GSiolvlde,r-. --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_--_ Advances on Cotton____________ 
 
180 00 ___1_1_5___43_ 
 
Time Certificates of Deposit_ __ 101,619 05 Savings Deposits -------------Trust Funds on Deposit_ ______ _ 
 
Advances on other Commodities --------- Cashier's Checks ------------- 1,625 99 
 
Checks for Clearing House____ 167 44 Certified Checks --------------- 
 
Other Checks and Cash Items__ Customers' Liability on Letters 
 
9,033 70 Bills Payable ----------------- 30,000 00 Notes and Biiis Rediscounted __ 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) -----------Other Assets: 
 
10,625 71 
 
LiraobwileitdY MoonneLyet-t-e-.-rs---o-f--C--r-e-d-i-t 
 
Cash Short -------------------- 
 
20 49 and Acceptances ___________ _ 
 
U. S. Certificates of Indebted- 
 
Reserve for Inte,rest and Taxes 
 
ness -------- --------------P. 0. Furniture and Fixtures 
 
13,016 88 1.500 00 
 
Other Liabilities -------------- 
 
County Warrants -------------- 18,791 64 
 
Total -----------------------$338,!)1)7 53 Total -----------------------$338,057 53 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$182,454 12 Demand Loans ---------------- 29,421r Oi Loans Secured by Real Estate 10.766 4~ United States Bonds ---------- 17,000 00 Other Stocks and Bonds______ _________ 
Banking House --------------- 2.8lrn on 
Furniture and Fixtures -------- 4,000 00 Other Real Estate Owned ______ --------Due from Banks in this State 12,303 o4 Due from Banks in other States 2.6!m 99 Cunency ---------------------- 2,995 00 Gold --------------------------- 275 00 Silver, Nickels. Pennies _____ _ 101 32 Advances on Cotton____________ --------- 
Advances on other Commodities --------Checks for Clearing House __ 775 29 Other Checks and Cash Items 1,751r S4 Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any) ------------ 31m 13 Other Assets: P. 0. Fixtures ---------------- 1,500 00 Stock in Federal Inte.rnational 
Banking Company ---------- 375 00 
 
Capital Stock Paid in ________$ 25,000 00 Amount Reserved for Branches ________ _ Surplus Fund ---------------- 25.00"0 00 Undivided Profits ------------- 14,208 87 Dividends Unpaid ____________ --------Due to Banks in this State___ _ Due to Banks in other States__ --------Call Money -------------------- ________ _ Individual Deposits Subject to 
Check ----------------------- 124,212 95 Demand Ce,rtificates of Deposit --------Time Certificates of Deposit __ 66,024 95 Savings Deposits -------------- --------Trust Funds on Deposit________ --------Cashier's Checks ______________ 133 00 
Certified Checks --------------- --------Bills Payable ----------------- 15,000 00 Notes and Biiis Rediscounted__ --------Ce-rtificates of Deposit for Bor- 
rowed Money ________________ --------LiaanbdilitAyccoenptaLnectetsers___o_f__C__r_e_d_i_t ________ _ 
Reserve for Inte.rest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$269,579 77 Total ------------------------$2~9,579 77 
 
 FIRST ANNUAL REPORT 
 
403 
 
EXAMINER'S REPORT. 
 
MONTROSE BANKING COMPANY, MONTROSE. 
At Close of Business July 21, 1920. 
President-G. N. Ross. Vice.-Presidents-W. G. Thompson, A. W. Ross. Cashie-r-\V. S. Williams. 
Directors-G. N. Ross, W. G. Thompson, A. W. Ross, W. S. "Williams, M. E. Burts, H. E. Butler, W. M. Allen, C. R. \Villiams, A. C. Ross. 
Date of Charter-September 4, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 45,788 96 Capital Stock Paid in --------$ 15,000 00 
 
Demand Loans ---------------- 1,500 00 Amount Reserved for Branches 
 
Loans Secured by Real E,nate United States Bonds_________ _ 
 
Surplus Fund ---------------Undivided Profits ------------ 3,257 51 
 
Other Stocks and Bonds _____ _ 
 
Dividends Unpaid ------------ 
 
Banking House ---------------- 2,500 00 Due to Banks in this State___ _ 
 
Furniture and Fixtures _____ _ 1,779 '05 Due to Banks in other States__ 
 
Other Real Estate Owned ___ _ 
 
Call Money -------------------- 
 
Due from Banks in this State 5,172 08 Individual Deposits Subject to 
 
Due from Banks in other States 2,190 79 Check ----------------------- 28,683 78 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n--ie--s-_-_-_-_-_-_Advances on Cotton _________ _ 
 
400 00 Demand Certificates of Deposit 40 00 Time Certificates of Deposit___ 980 72 Savings Deposits -------------Cashier's Checks -------------- 
 
3,895 91 199 40 
 
Advances on other Commodities 
 
Certified Checks --------------- 
 
Checks for Clearing House ___ _ Other Checks and Cash Items Custome['s' Liability on Letters 
 
Bills Payable -------------- 10,000 00 685 00 Notes and Bills Rediscounted __ 
Certificates of Deposit for Bor- 
 
of Oredit and Acceptances __ overdrafts (if any) ------------ 
 
rowed Money -----------Liability on Letters of Credit 
 
Other Assets ------------------ 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total --------------------$ 61,036 60 Total ------------------------$ 61,036 60 
 
BANK'S STATEMENT a.t Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 31,748 26 
 
Demand Loans ---------------- 10,98"2 17 
 
Loans Secured by Real Estate United States Bonds_________ _ 
 
Other Stocks and Bonds _____ _ 
 
Banking House ---------------- 2,500 oc 
 
Furniture and Fixtures ------ 2,487 55 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State_ 1, 781 06 
 
Due from Banks in other States 4,803 11 
 
Cul'rency ---------------------- 
 
31 00 
 
GSiolvlde.r-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ Advances on Cotton ---------- 
 
45 00 412 41 
624 oc 
 
Advances on other Commodities 
 
Checks for Clearing House___ _ 
 
Other Checks and Cash Items 
 
93 52 
 
Custome['s' Liability on Letters 
 
Capital Stock Paid in --------$ 1o,OOO Oll Amount Reserved for Branches 
 
Surplus Fund ----------------Ulldiivided Profits ------------ 2,727 90 
 
Dividends Unpaid -----------Due to Banks in this State __ Due to Banks in other State-s__ 
 
178 24 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 15,145 76 
 
Demand Certificates of Deposit Time Certificates of Deposit_ __ 
 
--2~26~-91 
 
STarvuisntgFs uDndepsoosnitsD-e-p-o-s-i-t_--_-__-_-_-_--_ 
 
Cashier's Checks -------------- l!I7 79 
 
Certified Checks --------------Bills Payable ------------------ 20,()()0 00 Notes and Bills Rediscounted __ 
 
of Oredit and Acceptances __ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any) -----------Other Assets ------------------ 
 
27 52 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Inte.rest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 55, ii35 6C Total ------------------------$ 55,535 60 
 
 404 
 
BANKING DEPARTMENT 
 
EXAMINEE'S BEPOBT. 
 
MORELAND BANKING COMPANY, MORELAND. 
 
At Close of Business September 25, 1920. 
 
President-J. P. Camp. Vice-President-E. M. Camp. Cashier-D. C. Owen. 
 
Directors~J. P. Camp, D. C. Owen, E. lVL Camp, H. L. Camp, E. N. Camp. 
 
Date Of Charter-November 25, 1905. 
 
Began Business-December 1, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$112,961 8l 
 
Demand Loans ---------------- 12,822 5 
 
Loans Secured by Real Estate --------- 
 
United States Bonds ---------- 1,700 Ol Other Stocks and Bonds ______ --------- 
 
Banking House ---------------- --------Furniture and Fixtures ------- 523 00 
 
Other Real Estate Owned_____ --------- 
 
Due from Banks in this State 19,994 56 
 
Due from Banks in other States 16,290 4l 
 
Currency ---------------------- 1,393 00 
 
Gold --------------------------Silver, Nickels, Pennies ------ 
 
67 5! 16 79 
 
Advances on Cotton ---------- --------Advances on other Commodities ________ _ 
 
Checks for Clearing House____ 1,351 6l. 
 
Other Checks and Cash Items --------Customers' Liability on Letters 
 
and Acceptances ------------ 4,500 Oi 
 
Overdrafts (if any) -----------Other Assets: 
 
192 9E 
 
War Savings Stamps ---------- 
 
33 14 
 
Capital Stock Paid in --------$ 25,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ---------------- 5,000 00 
 
Undivided P.rofits ------------- 13,035 07 
 
Dividends Unpaid -----------Due to Banks in this State __ 
 
Due to Banl<s in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 84,760 09 Demand Certificates of Deposit 
 
Time Certificates of Deposit __ 24,022 31 
 
Savings Deposits -------------- 
 
Cashier's Checks -------------- 
 
30 05 
 
Certified Checks -------------- 
 
Bills Payable ------------------ 20,000 00 Notes and Bills Hediscounted 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
'l'otal ------------------------$171,847 5~ Total ------------------------$171,847 52 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$101,500 26 Demand Loans ---------------- 17,154 79 Loans Secured by Real Estate 5,925 37 
 
United States Liberty Bonds__ 1,700 00 Other Stocks and Bonds ______ --------- 
 
BFuarnnkiitnugreHaonudse F-i-x-t-u-r-e-s---__-_-_-_-_-_- ----52-3---00- 
 
Other Real Estate Owned ---- --------Due from Banks in this State 14,322 40 
 
Due f.rom Banks in other States 2,605 39 
 
Currency ---------------------- 800 00 
 
Gold --------------------------Silver, Nickels, Pennies ------ 
 
72 50 57 59 
 
Advances on Cotton ---------- --------Advances on other Commodities --------- 
 
Checks for Clearing House____ --------Other Checks and Cash Items 1,577 5l: Custome;rs' Liability on Letters 
 
of Credit and Acceptances __ --------- 
 
Overdrafts (if any) unsecured 
 
7 34 
 
Other Assets: 
 
War Savings Stamps ---------- 
 
33 14 
 
Capital Stock Paid in --------$ 25,000 00 
Amount Reserved for Branches 
 
Surplus Fund ----------------- 5,000 00 Undivided Profits -------------- 13,002 63 
 
Dividends Unpaid -----------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 43,166 78 
 
Demand Certificates of Deposit Time Certificates of DeposiL- 
 
1s~o94-6i 
 
Savings Deposits -------------Trust Funds on Deposit ----~ 
 
Cashier's Checks -------------- 
 
15 26 
 
Ce.rtified Checks -------------Bills Payable ------------------ 42,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$146,279 28 Total ------------------------$146,279 28 
 
 FIRST ANNUAL REPORT 
 
405 
 
EXAMINER'S B.EPOB.'r. 
 
BANK OF MORGAN, MORGAN. 
 
At Close of Business October 28, 1920. 
 
President-Z. T. Rabun. Vice-President-S. L. Monroe. Cashier-J. W. Bussey. Directors-Z. T. Rabun, S. L. Mon<roe, J. M. Clements, C. B. Weaver, J. C. Mc- 
Clelland, T. J. Tinsley. 
 
Date of Charte~-October 14, 1911. 
 
Began Business-October, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 96,750 96 Capital Stock Paid in ----------$ 20,0  
 
Demand Loans ---------------- 8,120 96 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds ---------- 
 
598 15,400 
 
0o0r 
 
Surplus Fund ----------------- --------Undivided P~ofits ------------ 311 62 
 
Other Stocks and Bonds -----Banking House -------------Furniture and Fixtures -------Other Real Estate Owned ___ _ Due from Banks in this State__ 
 
2,000 00 3,428 00 2,209 4l 
2, 73'6 91 
 
Dividends Unpaid -----------Due to Banks in this State __ Due to Banks in other States 
Call Money -------------------Individual Deposits Subject to 
 
------------------------- 
--------- 
 
Due from Banks in other States Currency ---------------------Gold --------------------------ASidlvvearn, ceNsicoknelCs,otPtoenn_n_i_e_s___-_-_-_-_--_ 
Advances on other Commodities Checks for Cleruring House ___ _ Other Checks and Cash Items Custome1rs' Liability on Letters 
 
552 72 2,194 ' 
255 00 344 11 3,126 33 
144 59 1,293 4( 
 
Check ----------------------- 39,801 68 Demand Certificates of Deposit --------Time Certificates of Deposit __ 5,420 00 
Savings Deposits -------------- --------Trust Funds on Deposit ______ --------Cashi~'s Checks -------------- 2,11!4 8 Ce.rtified Checks -------------- --------Bills Payable ------------------ 58,300 00 Notes and Bills Rediscounted__ 14,240 OD 
 
of Oredit and Acceptances __ 
 
Certificates of Deposit for Bor- 
 
----1 Overdrafts (if any) ------------ 
Other Assets ------------------ 
 
738 30 315 40 
 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
Other Liabilities -------------- --------- 
 
Total ------------------------$140,208 1 Total ------------------------$140,208 15 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 95,768 2 
Demand Loans ---------------- 7,845 9 Loans Secured by Real Estate 
 
United States Bonds ---------Other Stocks and Bonds -----Banking House ---------------Furniture and Fixtures ____ _ Other Real Estate Owned_____ _ 
 
15,400 00 
 
2,000 3,428 
 
0o0r 
 
2,209 40 
 
Due from Banks in this State 129 4f Due from Banks in other States 2,480 97 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s--_-_-_-_-_-_Advances on Cotton _________ _ 
 
2,135 00 
 
260 236 
 
0o0r 
 
Advances on other Commodities Checks for Clearing House ___ _ Othe.r Checks and Cash Items Customers' Liability on Letters 
 
404 00 
676 18 756 93 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) ---------- 357 09 
 
OBathnekr oAfssLeetsav-y--C--o-l-le--c-ti-o-n---__-_--_ 
 
!<9 50 69 76 
 
Profit and Los.s -------------- 2,474 65 
 
Capital Stock Paid in ----------$ 20,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits -------------Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States 
 
1,954 10 2,273 84 
 
Call Money -------------------- 
 
Individual Deposits Subject to 
 
Check ______ ----------------- 31,505 4J 
 
Demand Certificates of Deposit Time Certificates of Deposit __ 
 
--5~m-cr~ 
 
Savings Deposits -------------Trust Funds on Deposit -----Cashier's Checks -------------- 682 82 Certified Checks -------------Bills Payable ------------------ 58,30U 00 Notes and Bills . Rediscounted 16,584 99 Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$136,721 19 Total ------------------------$136,721 19 
 
 r 
I I 
 
406 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
CITIZENS BANK, MOULTRIE. 
At Close of Business October 14, 1920. 
 
President-W. H. Barber. Vice-Presidents-D. A. Autrey, R. M. Morrison. 
Cashier-\V. S. Stokes. Directors-W. H. Barber, D. A. Autrey, A. M. Tyler, W. S. Stokes, S. W. Prince, 
C. H. Burney, C. G. watson, Leo T. Barber, J. R. Hall, R. M. Morrison. 
 
Date of Charter-March 13, 1900. 
 
Began Business-March 3, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
'l'ime Loans -----------------$1,006,532 62 Demand Loans -------------- 101,31>0 40 Lo~ns Secured by Real Estate 200,600 00 Umted States Bonds ________ 78,846 00 
 
Other Stocks and Bonds ____ 2,4U5 00 Banking House ______________ ---------Furniture and Fixtures ______ 9,000 00 
 
Other Real Estate ----------- 5,000 00 Due f,rom Banks in this State 153,644 Ut Due from Banks in other 
 
States ---------------------Currency -------------------GSoillvder-,--N-i-c-k-e-l-s-,--P-e-n--n-i-e-s--_-_-__-_--_ 
Advances on Cotton -------Advances on other Commodi- 
 
38,791 83 48,601 00 
2,000 00 
3,146 22 88,457 85 
 
ties ------------------------ ---------Checks for Clearing House__ 16,437 99 
 
Other Checks and Cash Items 4,437 26 Customers' Liability on Letters 
 
of Credit and Acceptances ---------Overdrafts (if any) -------- 3,287 91 Other Assets ---------------- 1,824 23 
 
Capital Stock Paid in --------$ Amount Reserved for Branch- 
es -------------------------Surplus Fund -------------Undivided Profits ----------Dividends Unpaid -----------Due to Banks in this State Due to Banks in other States Individual Deposits Subject to 
DeCmhaenckd --C-e-r-t-i-fi-c-a-t-e-s---o-f---D--e-- 
posit -----------------------Time Certificates of Deposit Savings Deposits -----------Trust Funds on Deposit ___ _ 
Cashier's Checks -----------Certified Checks -----------Bills Payable ---------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ---------Liability on Letters of Credit 
and Acceptances ---------Reserve for Interest and 
Taxes ---------------------Other Liabilities ------------ 
 
100,000 00 
100,000 00 47,500 59 33,237 73 
601,106 59 
436,150 70 45,294 74 1,665 79 700 24 
190,000 00 155,486 69 
25,000 00 27,619 30 
 
Total ----------------------$1,763,762 37 Total ----------------------$1,763,762 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 100,245 21 Demand Loans ------------- 1,143, 734 60 Loans Secured by Real Estate 100,000 00 
United States Bonds -------- 74,846 00 Other Stocks and Bonds ____ 2,405 00 
 
Banking House -------------Furniture and Fixtures _____ _ 
Other Real Estate ----------Due from Banks in this State Due from Banks in other 
States ---------------------Currency -------------------GSiolvl de,r-,- -N- -i-c-k-e-l-s-, - -P-e- -n-n-i-e-s- - -__-_- -_ 
Advances on Cotton -------Advances on other Commodi- 
ties -----------------------Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
9,000 00 5,000 00 92,131 19 
42,371 96 34,705 00 
2,000 00 5,159 07 38,709 29 
3, 781 78 6,436 25 
 
ances ---------------------Overdrafts (if any) -------Other Assets ---------------- 
 
1,852 36 
 
Capital Stock Paid in --------$ Amount Reserved for Branch- 
Suerspl-u-s--F-u--n-d---------------------------------DUnivdiidveinddeds PUronfpiatsid---_-_-_-_-_-_-_-_-_-_ 
Due to Banks in this State __ Due to Banks in other States Individual Deposits Subject 
to Check -----------------Demand Certificates of De- 
posit ----------------------Time Certificates of Deposit Savings Deposits -----------Cashier's Checks -----------Certified Checks ------------Bills Payable ---------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ---------Liability on Letters of Credit 
and Acceptances ---------Reserve for Inte,rest and 
Taxes ---------------------Other Liabilities: Bonds Borrowed ------------ 
 
100,000 00 
100,000 00 48,660 62 15,542 79 
577,807 9'5 
438,503 23 37,450 6G 666 14 100 24 85,000 00 
210,146 08 
25,000 00 23,500 00 
 
Total ----------------------$1,662,377 71 Total ----------------------$1,662,377 71 
 
 FIRST ANNUAL REPORT 
 
407 
 
EXA'MINEB.'S B.EPOB.T. 
 
MOULTRIE BANKING COMPANY, MOULTRIE. 
 
At Close of Business October 12, 1920. 
 
President-W. C. Vereen. Vice-Presidents-G. F. Taylor, F. R. Pidcock. 
 
Cashier-M. L. Lee. 
 
Directors-W. C. Vereen, G. F. Taylor, F. R. Pidcock, M. L. Lee, M. D. Norman, 
 
R. M. Morrison, C. G. Watson, R. L. Norman, A. Huber, H. P. Plair, 
 
G. W. Newton, H. Jones, J. R. Hall, J. E. Ladson, 
 
J, Beninson, W. J. Vereen. 
 
Date of Charter-May, 1896. 
 
Began Business-1896. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLd oLanosans---_-_-_-_-_--_-_-_-_-_-_-_-$__1.752172.6,73lr5o 53f0l 
 
Capital Stock Paid in ------$ Amount Reserved for Branch- 
 
200,000 00 
 
Loans Secured by Real Estate United States Bonds ________ 
 
---------70,842 00 
 
Suerspl-u-s--F-u--n-d--_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
2oo~ooo-oo 
 
Other Stocks and Bonds __ __ 10,850 00 Undivided Profits ------------ 64,563 48 
 
Banking House and Furniture 
 
Dividends Unpaid ------------ ---------- 
 
and Fixtures -------------- 19,235 00 Due 'to Banks in this State 16,580 77 
 
Other Real Estate O'wned____ ______,___ _ Due to Banks in other States ---------- 
 
Due from Banks in this State Due from Banks, in other 
States --------------------Currency -------------------SGiolvlder,--N--i-c-k-e-l-s-, --P-e-n--n-i-e-s---__-_--_ Advances on Cotton _______ _ Advances on other Commodi- 
 
55,619 95 
73,755 17 29,406 00 1,790 00 
4,3'87 6F 100,S42 88 
 
Individual Deposits Subject to 
Check ---------------------- 1,008, 768 36 Demand Certificates of De- 
posit ----------------------- 5,494 09 Time Certificates of Deposit 679,225 28 Savings Deposits ------------ ---------Cashier's Checks ------------ ---------Certified Checks-------------- 4,053 50 
 
ties ------------------------ ---------- Bills Payable ---------------- ---------Checks for Clearing House __ 21,296 03 Notes and Bills Rediscounted 235,908 66 
 
Other Checks and Cash Items ---------- Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money ---------- ---------Liability on Letters of Credit 
 
ances ---------------------- ---------- and Acceptances ---------- ---------Overdrafts (if any) -------- 11.083 62 Reserve for Interest and 
 
Other Assets ---------------- 3,608 75 Taxes ---------------------- 12,493 79 
 
Other Liabilities -------------- ---------- 
 
Total ----------------------$2,427,087 9~ Total ----------------------$2,427,087 93 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _________________ $1,720,370 99 
 
Demand Loans -------------- 206,679 59 Loans Secured by Real Estate ---------United States Bonds -------- 70,000 00 Other Stocks and Bonds____ 10,855 00 
 
Banking Hous.e -------------Furniture and Fixtures______ Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States -----------------Cu!'II'ency -------------------Gold ------------------------Silver, Nickels, Pennies ____ _ Advances on Cotton _______ _ 
Advances on Other Commodi- 
 
---------19,569 20 
--8-9-,4-7-5--m--: 
33.051 11 22,582 00 1,730 00 
4,861 18 69,&!l7 23 
 
ties -----------------------Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
------------------- 
15,377 69 
 
Ovaen,credsraft-s--(-i-f--a-n-y-)--_-_-_-_-_-_-_-_-_--_ 
 
244 25 
 
Other Assets ---------------- 
 
Capital Stock Paid in ______$ Amount Reserved for Branch- 
Suerspl-u-s--F-u--n-d---------------------------------Undivided Profits -----------Due to Banks in this State__ Due to Banks in other States Call Money -----------------Individual Deposits. Subject to 
Check --------------------Demand Certificates of De- 
posit ----------------------Time Certificates of Deposit Savings Deposits -----------Cashier's Checks ___________ _ 
Certified Checks -----------Bills Payable ---------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ---------Liability on Letters of Credit 
and Acceptances ---------Reserve for Interest and 
Taxes ---------------~-----Other Liabilities ------------ 
 
200,000 00 200,000 00 75,659 95 
6,785 18 
828,581 68 8,271 62 
625,930 43 14 40 
306,886 84 
12,493 79 
 
Total ----------------------$2.264,623 88 Total ----------------------$2,264,623 89 
 
 r 
! 
 
408 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF MT. AIRY, MT. AIRY. 
 
President-C. Gresham. Vice-President-A. L. Kimsey. Cashier-R. F. Payne. 
 
Directors-C. Gresham, A. L. Kimsey, J. M. Echols, J. T. Peyton, W. W. Lauder- 
 
milk, M. W. Webb. 
 
Date of Charter-July 20, 1911. 
 
Began Business-August 8, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 53,287 09 Capital Stock Paid In_______ $ 15,000 00 
 
Demand Loans ------------- ________ _ Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 
 
United States Bonds _______ Other Stocks and Bonds _____ 
 
--------________ _ 
 
Undivided Profits ----------Dividends Unpaid ---------- 
 
855 28 
 
Banking House ------------ 2,017 77 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 2,070 00 Dut to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 9;691 49 Individual Deposits Subject 
 
Due from Banks in other States ------------------ 
 
_________ _ 
 
Detmo aCndheCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
28,544 10 
 
Currency ------------------ 2,049 00 Time Certificates of DeposiL 20,792 96 
 
GSiollvder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s-_-_-_-_-_- 
 
110187 9520 
 
Savings Deoosits ----------Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ --------- Cashier's Clieclrs __________ _ 
 
Advances on other Commodi- 
 
Certifi,ed Checks ------------ 
 
ties ---------------------- ________ _ Bills Payable -------------- 5,000 00 
 
Checks for Clearing- House__ 
 
179 10 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
558 44 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t -s - -(-i f- -a-n-y- )- - -_-_-_ -_ _- _- _-_- 
 
-_-_-_-_-_ _- _-_- -_ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
642 3! Other Liabilities ----------- 
 
429 28 
 
Total --------------------$ 69,999 31 Total --------------------$ 69,999 31 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 49,17 4 84 Capital Stock Paid In_______ $ 15,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 
 
United States Bonds _______ --------- Undivided Profits ----------- 
 
592 55 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 2,017 77 Due to Banks in this State__ Furniture and Fixtures_____ 2,070 00 Dut to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State 5, 781 69 Individual Deposits Subject 
 
Due from Banks in other States ------------------ ---------- 
Currency ------------------ 2,987 00 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ 
 
23,543 34 -{8~ii5-59 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
125 00 132 51 
 
Savings Deposits ---------Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ --------- Cashiers Checks ----------- 
 
493 85 
 
Advances on other Commodities ---------------------- 
 
--------- 
 
CBei lrltsi f iPe da y aCbhleec k:.s_ _ _- _- _- _-_-_-_-_-_-_- -_ 
 
Checks for Clearing- House__ --------- Notes and Bills Rediscounted 
 
5,000 00 
 
Other Checks and Cash Items 
 
456 52 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -Overdrafts 
 
- 
 
--- 
(if 
 
----any) 
 
-------- 
 
- 
 
----- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets -------------- 
 
Other Liabilities ----------- 
 
Total ----~---------------$ 62,7 45 33 Total --------------------$ 62,745 33 
 
 FIRST ANNUAL REPORT 
 
409 
 
EXAMINER'S BEPOB'J:'. 
 
MOUNT VERNON BANK, lVIT. VERNON. 
 
President-IV. T. McArthur. Vice-President-D. A. McRae. 
 
Cashier-W. A. Peterson. 
 
Directors-W. T. McArthur, D. A. McRae, W. A. Peterson, A. B. Hutchinson, 
 
I. T. McLemore. 
 
Date of Charter-September 21, 1900. 
 
Began Business-January 24, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$130,652 17 Capital Stock Paid In_______$ 15,000 00 
 
Demand Loans ------------- 12,556 22 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
________ _ 71,000 00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
40,000 00 6,279 66 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid __________ 
 
Banking House ------------ 4,615 60 Due to Banks in' this State __ 
 
Furniture and Fixtures ____ 1,499 96 Dut to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 37,199 18 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- - N- -i-c-k-e-l s-,- -P-e- n- -n-i e-s-_-_-_-_-_Advances on Liberty Bonds__ 
 
7,975 85 4,639 00 
90 00 
939 27 626 85 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 114,952 39 Time Certificates of Deposit_ 73,377 12 Savings Deposits ----------- 36,917 74 Trust Funds on Deposit_ ___ _ 
Cashier's Checks ----------- 1,368 28 
 
Advances on other Commodi- 
 
Certi'led Checks ----------- 
 
ties ---------------------- _________ Bills Payable -------------- 
 
Checks for Clearing House __ 
 
11 87 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
30 00 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
- - - - -81- - -5 1- 
 
and Acceptances _________ _ Reserve for Interest and Taxes 
 
Other Assets -------------- 15,000 00 Other Liabilities ----------- 
 
22 29 
 
'l'otal --------------------$286,917 48 Total --------------------$286,917 48 
 
BANK'S STATEMENT at Close of Business Decembe.r 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 86,408 72 Capital Stock Paid In_______ $ 15,000 00 
 
Demand Loans ------------ 13,564 10 Amt. Reserved for Branches 15,000 00 
 
Loans Secured by Real Estate 44,777 73 Surplus Fund -------------- 2fi,OOO 00 
 
United States Bonds _______ _ 16,000 00 Undivided Profits ----------- 3,730 08 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpaid ---------- 
 
Banking House ------------ 4,615 60 Due to Banks in this State __ 
 
Furniture and Fixtures ___ _ 1,499 96 Dut to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 29,295 81 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton________ _ Checks for Clearing House __ 
 
4,507 03 
5,046 00 9 00 
569 68 
 
to Check ----------------- 115,824 77. DemandCertificates of Deposit Time Certificates of Deposit_ 63,83& 00 Savings Deposits ---------- 23,723 45 Trust Funds on Deposit_____ CCearsthifiieerd's CChheecckkss -_-_-__-_-_-_-_-_-_--_ 3,000 10 
 
Other Checks and Cash Items 
 
Bills Payable -------------- 12,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
ance-s -------------------Overdrafts (if any) -------Other Assets: 
 
Borrowed Money --------12 14 Liability on Letters of Credit 
and Acceptances _________ _ 
 
U. S. Treas. Certificates____ _ 55,000 00 Reserve for Interest and Taxes 
 
Advanced on Liberty Bonds __ 
 
586 85 Other Liabilities: 
 
Canital Commercial Bank, 
 
Cash Over ----------------- 
 
10 22 
 
Uvalda, Ga. -------------- 15,000 00 
 
Total --------------------$277,023 62 Total --------------------$277,023 62 
 
 410 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
FIRST BANK OF NASHVILLE, NASHVILLE. 
 
At Close of Busines,s August 7, 1920. 
 
President-J. F. Lewis. Vice-President-L. A. Carter. Cashier-J. W. E. Powell. 
 
Directors-J. F. Lewis, L. A. Carter, W. H. Tygart, A. W. Patterson, A. Albritton, J. H. Rowan, J. A. Alexander. 
 
Date of Charter-February 10, 1917. 
 
Began Business-December, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$327,559 80 Capital Stock Paid In_______ $ 25,000 00 
 
Demand Loans ------------- 6,499 74 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ 
 
________ _ 6,405 14 
 
US unrdpi vl ui ds e dF uPn dr o f-i-t s- - -_-_-_-_-_-_ _- _-_- -_ 
 
15,000 00 23,300 19 
 
Other Stocks and Bonds_____ 
 
455 33 Dividends Unpaid ----------- 
 
164 00 
 
Banking House ------------- 3,592 17 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 8,246' 16 Dut to Banks in other States 
 
Other Real Estate Owned____ 3,308 80 Call Money ---------------- 
 
Due from Banks in this State 79,628 07 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
8,623 02 DetomaCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 180,227 83 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e--n-n-ie-s--__-_-_--_ 
 
17,454 00 Time Certificates of DeposiL 225,646 67 135 00 Savings Deposits ----------- 
3,488 17 Cashier's Checks __________ _ 2,185 44 
 
Advances on Tobacco ------- 2,565 80 Certified Checks __________ _ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -__- 
 
--------706 14 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 
 
405 74 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-_ -_ _- _- -_ 
 
- - - -6-7 4- - -53- 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
190 24 33 24 
 
Other Assets --------------- 2,000 00 
 
Total --------------------$471,747 61 Total --------------------$471,747 61 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $245,998 14 Capital Stock Paid In_______ $ 25,000 00 
 
Demand Loans ------------- 6,499 74 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 39,974 77 Surplus Fund -------------- 25,000 00 United States Bonds _______ 6,405 14 Undivided Profits ----------- 10,133 42 
 
Other Stocks and Bonds_____ 
 
455 33 Dividends Unpaid ---------- 
 
128 00 
 
Banking House ------------- 3,642 17 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 8,296 16 Dut to Banks in other States 
 
Other Real Estate Owned____ 2,800 00 Call Money ---------------Due from Banks in this State 24,378 86 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
5,958 31 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 110,689 61 17,502 00 Time Certificates of DeposiL 212,023 80 
303 50 Savings Deposits ----------1,853 48 Trust Funds on Deposit_ ___ _ 
 
Advanees on Cotton -------- 24,295 26 Cashier's Checks __________ _ 1,138 98 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
ties ---------------------Checks for Clearing House__ 
 
4,026 65 --------- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
5,500 00 6,000 00 
 
Other Checks and Cash Items 1,264 33 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovae~d~~fiS-(if-aTIY)-======== 
 
---150-21 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
190 24 
 
Other Assets --------------- 2,000 00 Other Liabilities ----------- 
 
'.rota! --------------------$395,804 05 Total --------------------$395,804 05 
 
 FIRST ANNUAL REPORT 
 
411 
 
EXAMINER'S B.EPOB.T. 
 
FARMERS BANK, NAYLOR. 
 
At Close of Business July 15, 1920. 
 
President-J. P. Carter. Vice-Presidents-Mrs. 0. F. Wetherington, Perryman Carter, G. J. Robinson. Cashier-H. D. Robinson. 
 
Directors-J. P. Carter, M. 0. F. Wetherington, Perryman Carter, S. J. Robinson, M. M. Blanton, Lee L. Robinson, S. J. Carter, E. H. Carter, J. W. Lowell. 
 
Date of Charter-December 2, 1907. 
 
Began BusinesS>-January 15, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLdo aLnosa n- -s- -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
42,466 07 
 
Capital Stock Paid In _______$ 15,000 Amt. Reserved for Branches 
 
00 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ____ _ Banking House ------------ 
 
2,000 .oo 
 
Surplus Fund -------------Undivided Profits ---------- 
 
1,000 00 10,553 59 
 
Dividends Unpaid ---------- 
 
1,606 88 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ 2,040 95 Dut to Banks in other States 
 
Other Real Estate Owned ___ _ 1,244 21 Call Money ---------------Due from Banks in this State 43,042 07 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton________ _ 
 
2,339 51 Detmo aCnhdeCcekrt-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 20,097 86 
 
---145-53 917 00 Time Certificates of Deposit_ Savings Deposits __________ _ 
 
50,835 64 
 
470 00 Cashier's Checks __________ _ 
 
Certified Checks __________ _ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -__- 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items 1,824 80 Borrowed Money --------- 
 
Customers' Liability on Letters of Credit and Accept- 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
O vaenrcdersa f-t s- - (-i-f- -a-n-y-)- - -_-_-_ -_ _- _-_- -_ 
 
Reserve for Interest and Taxes 681 13 Other Liabilities __________ _ 
 
681 13 
 
Other Assets -------------- 
 
Total --------------------$ 97,632 62 Total ____________________ $ 97,632 62 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 38,039 50 Capital Stock Paid In_______ $ 15,000 00 
 
Demand Loans ------------- 12,868 85 Amt. Re.served for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund -------------- 1,000 00 
 
United States Bonds _______ _ 2,000 00 Undivided Profits ---------- 10,735 49 
 
Other Stocks and Bonds ____ _ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 1,606 88 Due to Banks in this State __ 
 
Furniture and Fixtures____ _ 2,040 95 Dut to Banks in other States 
 
Other Real Estate Owned ___ , 
 
244 21 CaJl Money ---------------- 
 
Due from Banks in this StaM 30,434 65 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 19,245 07 
 
States ------------------- 3,521 47 Demand Certificates of Deposit Currency ------------------ 1,765 00 Time Certificates of Deposit_ 46,478 75 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-_-_-_ 
 
Savings Deposits ----------391 83 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton________ _ Advances on other CommodiC htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- -u-s -e-_-_ 
 
Cashier's Checks ----------Certified Checks __________ _ Bills Payable _____________ _ Notes and Bills Rediscounted 
 
454 03 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ -_ _- _-_-_-_- -_ 
 
and Acceptances _________ _ Reserve for Interest and Taxes 
 
Other Assets -------------- 
 
Other Liabilities __________ _ 
 
Total ____________________$ 92,913 34 Total ____________________$ 92,913 34 
 
 412 
 
BANKING DEPARTMENT 
 
EXAl!IIIlii'E:B'S :BEPO:BT. 
BANK OF NEWBORN, NEWBORN. 
At Close of Business September 16, 1920. 
President-W. P. Wallace. Vlce-Presidents-J. M. Loyd, .L. 0. Benton. Cashier-H. G. Smith. 
Directors-W'. P. Wallace, J. M. Loyd, F. P. POil'ter, H. G. Smith, R. L. Loyd, W. P. Smith, L. 0. Benton, L. P. Duke, I. Robertson. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$203,897 63 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 62,460 11 Amt. Reserved for Branches --------Loans Secured by Real Estate ________ _ Surplus Fund -------------- 20,000 00 
 
United States Bonds ------- 4,000 00 Undivided Profits ---------- 6,248 39 Other Stocks and Bonds _____ ________ _ Dividends Unpaid __________ --------- 
 
Banking House ------------- 1,400 00 Due to Banks in this State__ 5,000 00 Furniture and Fixtures_____ 1,900 00 Dut to Banks in other States --------Other Real Estate Owned____ ________ _ Call Money ---------------- --------Due from Banks in this State 1,448 40 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e--n-n-ie-s--_-__-_--_ Advances on Cotton________ _ Advances on other Commodi- 
ties ---------------------Checks for Clearing- House __ 
 
329 28 1,257 00 
200 00 634 80 41,847 60 
________ _ 192 34 
 
to Check ---------------- 109,248 83 Demand Certificates of Deposit 4,000 00 
 
Time Certificates of Deposit_ 46,981 08 
 
Savings Deposits ----------- --------- 
 
Trust Funds on Deposit_____ --------- 
 
Cashier's Checks ----------- 
 
461 35 
 
Certified Checks ___________ --------- 
 
Bills Payable ______________ 100,000 00 
 
Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items 1,515 54 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 5,000 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-) - -- -- -- -- -- -- -- -- -- 
 
- -1-, 0- 0- 8- - -8 4- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
--------________ _ 
 
Other Assets -------------- --------- Other Liabilities: 
 
Cash Long ----------------- 
 
151 89 
 
Total --------------------$322,091 54 Total --------------------$322,091 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $167,506 93 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 16,735 00 Amt. Reserved for Branches 
 
Loans Secured hy RE>al Estate United States Bonds _______ 
 
44,134 51 ________ _ 
 
SUunrndliuv~i<d eFd u nPdr o f-i-t s- - -_-_-_-_-_-_ -_ _- _- -_ 
 
20,000 00 1 0,41_2 84 
 
Other Stocks and Bonds _____ _________ Dividends Unpaid ---------- 
 
Banking- House ------------- 1,400 00 Due to Ranks in this State__ 
 
Furnitul'e and Fixtul'es_____ 1,900 00 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- 
 
Due from Banks in this State 2,940 29 Tndivi nua1 Deposits Subject 
 
Due from Banks In other States ------------------- 
 
52~ 06 DetomaCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 69,418 10 
 
Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e--n-n-ie--s -__-_-_--_ 
 
1,637 00 Time Certificates of Deposit_ 46,076 53 208 00 Saving-s Deposits __________ _ 660 98 Trust Funds on Deposit_ ___ _ 
 
AdvaBces on Cotton ________ _ 38,183 72 Cashier's Checks __________ _ 
 
515 13 
 
Advances on other Commodi- 
 
Certified Checks __________ _ 
 
ties ---------------------- ________ _ Bills Payahle ______________ _ 105,000 00 
 
Checks for Clearing- House__ ________ _ Noteg and Billfl R~ediscmmtPn 
 
Other Checks and Cash Items 
 
5fi0 35 Certificate~< of Deposit for 
 
Customers' Liabllitv on Let- 
 
Borrowed Monev ________ _ 
 
ters of Credit and Accept- 
 
Liahility on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-fOther Assets 
 
-a-n-y-)- - -_-_-_-_ _- _- _- -_ ______________ 
 
--------_____4_2__7_6_ 
 
and Acceptances _________ _ RE>serve forTnterest and Taxes Other T,iahilitieR __________ _ 
 
Total --------------------$276,422 60 Total ____________________ $276,422 60 
 
.' 
 
 FIRST ANNUAL REPORT 
 
413 
 
EXAMINEB'S BEPOB'l'. 
 
BANK OF NEWINGTON, NEWINGTON. 
 
At Close of Business August 14, 1920. 
 
President-P. R. Kittles. Vice-Presidents-C. A. Woods, F. H. Connor, G. C. Russell. Cashier-G. C. Russell. 
 
Directors-L. 0. Benton, C. R. Kittles, J. G. Colson, H. C. Evans, W. W. Evans, G. L. Dugger, J. H. Evans, T. J. Erucks, A. J. Carter, F. H. Cannon, C. A. Woods. 
 
Date of Charter-July 7, 1919. 
 
Began Business-August 15, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 25,612 41 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
500 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds____ _ 
Banking House -----------Furniture and Fixtures____ _ Other Real Estate Owned___ _ Duefrom Banks in this State 
 
4,400 00 l ,100 00 
1,500 00 
5,547 97 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ Dut to Banks in other States 
Call Money ---------------Individual Depo,;its Subject 
 
711 95 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
GS iol vl de r ,- - N- -i-c-k-e-l s-,- -P- e- n- -n-i e- s- _- _-_-_- -_ Advances on Cotton ________ _ Advances on other Commodi- 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -__- 
 
2,932 75 928 00 
71 65 
 
to Checks ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposit __________ _ Trust Funds on Deposit_ ___ _ 
Cashier's Checks ----------CBei lrlt isf i cP da y aCbhleec k_s_ _ _- _- _-_-_-_-_-_-_-_- -_ 
Notes and Bills Rediscounted 
 
19,824 15 
5,414 12 1,850 18 
628 98 
 
Other Checks and Cash Items Customers' Liabilitv on Let- 
 
434 00 Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-) - - -_ -_ _- _- _- _-_- -_ 
 
and Acceptances ---------309 04 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
100 00 Other Liabilities ----------- 
 
6 44 
 
Total ____________________ $ 43,435 82 Total ____________________ $ 43,435 82 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DT iemmea nLdo aLnosa n- s- - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
19,580 1,046 
 
89 26 
 
Capital Stock Paid In_______ $ 15,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund -------------- 
 
United States Bonds _______ _ Other Stocks and Bonds____ _ 
 
4,400 1,100 
 
00 00 
 
UDnivdiidveidnedds PUrnopfiatisd -_-_-_-_-_-_-_-_-_--_ 
 
415 44 
 
Banking House ___________ _ 
 
Due to Banks in this State __ 
 
Furniture and Fixtures____ _ 1,500 00 Dut to Banl<s in other States 
 
Other Real Estate Owned ___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 6,105 24 Indivirlual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 20,132 04 
 
States ------------------- '1,774 60 Demanrl Certificates of Deposit 
 
Currency ------------------ 4,481 00 Time Certificates of DeposiL 4,521 80 
 
GSiolvlder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-_-_ 
 
SavingR Denosits ----------- 1,185 59 606 50 Trust Funds on. Deposit_ ___ _ 
 
Advances on Cotton________ _ Advances on other Commodi- 
 
Cashier',; Checks __________ _ Certified Checks __________ _ 
 
221 50 
 
ties ---------------------- 
 
Bills Payable _____________ _ 
 
Checks for Clearing House __ 
 
7i6 4-6 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
100 00 CPrtificatcs of Dep0sit for 
 
Customer,;' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Creoit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ _- _-_-_-_-_- -_ 
 
and Acceptances _________ _ 5 42 Reserve for Interest and Taxes 
 
Other Assets _____________ _ 
 
Other Liabilities __________ _ 
 
Total ____________________ $ 41,476 37 Tot8l ____________________ $ 41,476 37 
 
 r 
414 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S B.EPOB.T. 
 
NEWNAN BANK AND TRUST COMPANY, NEWNAN. 
 
At Close of Business August 24, 1920. 
 
President-A. H. Freeman. Vice-Presidents-T. M. Goodrum, C. C. McKnight. 
 
H. C. Arnall, J,r. Cashietr-H. W. Ar:nall. 
 
Directors-ID. 8. Cuttins, T. B. Davis, W. N. Banks, A. H. Freeman, H. C. Ar- 
 
nall, Jr., F. M. Arnall, E. M. Camp, B. T. Thompson, R. J. Barrett, 
 
E. M. Cole, Jr., C. C. McKnight, J. R. Brown, J. P. 
 
Jones., A. W. Arnall, Garlan M. Jones, 
 
I. N. Orr, J. T. Swint, 
 
T. M. Goodrum. 
 
Date of Charter-March 31, 1920. 
 
Began Business-April 20, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$969,928 71 Capital Stock Paid In _______ $400,000 00 Demand Loans _____________ 152,733 21 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate _________ Surplus Fund -------------- 100,000 00 
 
United States Bonds ________ 97,550 00 Undivided Profits ---------- 22,069 41 
 
Other Stocks and Bonds_____ 14,250 00 Dividends Unpaid ---------- --------Banking House ____________ _________ Due to Banks in this State__ 15,621 71 
 
Furniture and Fixtures_____ 9,013 55 Due to Banks in other States ----- ___ _ 
 
Other Real Estate Owned____ _________ Call Money ---------------- --------- 
 
Due from Banks in this State 11,835 21 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 598,699 61 
 
States ------------------- 3~,556 20 Demand Certificates of Deposit 51,533 16 Currency __________________ 22,592 00 Time Certificates of Deposit_ ________ _ 
 
Gold ---------------------- 
 
72 50 Savings Deposits __________ 27,624 26 
 
Silver, Nickels, Pennies_____ 8,033 07 Trust Funds on Deposit_ ____ --------- 
 
Advances on Cotton_________ --------- Cashier's Checks ----------- --------- 
 
Advances on other Commodi- 
 
Certified Checks ----------- --------- 
 
ties ---------------------- _________ Bills Payable ______________ 100,000 00 
 
Checks for Clearing Honse__ 1,007 07 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -----------------~-- _________ and Acceptances _____._____ _ _______ _ 
 
Overdrafts (if any) ________ 
 
66 92 Reserve for Interest and 'l'axes --------- 
 
Other Assets --------------- 
 
10 00 Other Liabilities _________ _ 5,100 26 
 
Total -------------------~1 ,320,648 44 Total -------------------~1,320,648 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $8Hi,215 31 Capital Stock Paid In _______ $400,000 00 
 
Demand Loans ------------- 92,265 58 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 39,818 00 Surplus Fund -------------- 100,000 00 United States Bonds _______ 32,560 00 Undivided Profits ---------- 21,293 27 
 
City of Atlanta (par value 
 
Dividends Unpaid ---------- --------- 
 
$1 5,000.00) Bonds ________ 14,250 00 Due to Banks in this State__ 9,350 73 
 
United States Certificates of 
 
'Dut to Banks in other States --------- 
 
Indebtedness ____________ 90,000 00 Call Money ---------------- --------- 
 
Furniture and Fixtures _____ 7,000 00 Individual Deposits Subject 
 
Other Real Estate Owned____ _________ to Check ----------------- 509,439 49 
 
Due from Banks in this State 56,855 46 Demand Certificates of Deposit 40,735 14 
 
Due from Banks in other 
 
Time Certificates of Deposit_ --------- 
 
States ------------------- 30,804 02 Savings Deposits ___________ 23,964 45 Currency ___________ :_______ 16,318 00 Trust Funds on Deposit_____ --------- 
 
Gold ---------------------- 
 
260 00 Cashier's Checks ___________ --------- 
 
Silver, Nickels, Pennies_____ 7,033 88 Certified Checks ----------- --------Advances on Cotton ________ _________ Bills Payable ______________ 100,000 00 
 
Advances oR othe:rCommodities _________ Notes and Bills Rediscounted --------- 
 
Checks for Clearing House__ --------- Certificates of Deposit for 
 
Other Checks and Cash Items 2,221 98 Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- --------Reserve for Interest and Taxes --------Other Liabilities ___________ --------- 
 
Total ___________________ $1 ,204,783 08 Total ___________________ $1,204,783 08 
 
 FIRST ANNUAL REPORT 
 
415 
 
EXAMINER'S REPORT. 
 
BAKER COUNTY BANK, NEWTON. 
 
At Close of Business September 4, 1920, 
 
President-J. A. Bowers. Vice-President-J. C. Odum. Cashier-J. H. Hall. Directors-J. A. Bowers, J. C. Odum, J. H. Hall, Benton Odom, J. W. Hall. 
 
Date of Charter-Octobm 4, 1906. 
 
Began Business-October 15, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 94,494 36 Capital Stoclr Paid In_______$ 25,000 00 
 
Demand Loans ------------- 14,164 27 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds____ _ 
 
Surplus Fund -------------- 6,000 00 4,150 00 Undivided Profits ---------- 17,520 14 
Dividends Unpaid ---------- 
 
Banking House ------------Furniture and Fixtures____ _ Other Real Estate Owned___ _ 
Due from Banks in this State 
 
3,116 51 Due to Banks in this State __ 3,481 58 Dut to Banks in other States 
Call Money ---------------9,290 67 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
5,759 84 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t 60,222 13 
 
Currency ------------------ 1,150 00 Time Certificates of Deposit_ 7,133 25 
 
.SGiolvlder-, -N--i-c-k-e-ls-,--P-e--n-n-ie--s-_-__-_--_ Advances on Cotton________ _ 
 
30 00 Savings Deposits ----------868 92 Cashier's Checks ----------- 
Certified Checks __________ _ 
 
416 30 
 
Advances on other Commodi- 
 
Bills Payable -------------- 20,000 00 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
---1-,-1-1--0..{6-6- 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liabilitv on Let- 
 
Borrowed Money --------Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
O vaenrcdersa f-t s- - -(-i f- -a-n- -y-)- -_-_-_-_-_-_-_- -_ Other Assets _____________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 5,339 55 
 
Total --------------------$141,631 37 Total --------------------$141,631 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 70,289 01 Capital Stock Paid In _______$ 25,000 00 
 
Demand Loans ------------- 18,054 88 Amt. Reserved for Branches --------Loans Secured by Real Estate ________ _ Surplus Fund -------------- 6,000 00 Unitea States Bonds ________ 4,150 00 Undivided Profits ----------- 18,261 68 
 
Other Stocks and Bonds _____ Banking House _____________ 
 
--------3,116 51 
 
Dividends Unpaid ---------Due to Banks in this State 
 
----------------- 
 
Furniture and Fixtures_____ 3,481 58 Due to Banks in other States --------Other Real Estate Owned____ ________ _ Call Money ---------------- --------Due from Banks in this State 4,217 03 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 49,355 21 
 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-__-_-_--_ 
 
6,307 89 Demand Certificates of Deposit --------3,190 00 Time Certificates of Deposit_ 4,181 58 
10 00 Savings Deposits ----------- --------411 02 Trust Funds on Deposit_____ --------- 
 
Advances on Cotton_________ --------- Cashier's Checks ----------- 1,065 13 
 
Advances on other Commodi- 
 
Certified Checks ___________ --------- 
 
ties ---------------------- ________ _ Bills Payable -------------- 10,000 00 Checks for Clearing House__ ________ _ Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 
 
635 68 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- ________ _ and Acceptances ---------- --------- 
 
OOtvheerrdrAafstsset(sif _a_n_y_)__________________ 
 
-_ -_-_ -_ _- _- _-_- -_ 
 
Reserve for Interest and Taxes Other Liabilities ___________ 
 
----------------- 
 
Total ____________________ $113,863 60 Total ____________________ $113,863 60 
 
 F' 
I 
 
416 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
FARMERS BANK, NICHOLLS. 
 
At Close of Business July 21, 1920. 
 
President-D. H. Meeks. Vice-P~residents-W. G. Meeks, J. M. Jenrette. Cashier-John Kirkland. 
 
Directors-D. H. Meeks, W. G. Meeks, J. M. Jen~rette, Don Hal!, W. M. Carter, Jno. Burkett, E. L. Granthom, '\V. L. Gillis, John Lott, Sr. 
 
Date of Amendment-April 21, 1920. 
 
Began Business-March 1, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$226,785 34 Capital Stock Paid In_______$ 25,000 00 Demand Loans ------------- 4,850 65 Amt. Reserved for Branches Loans Secured by Real Estate _________ Surplus Fund _____ :_ _______ _ 
 
United States Bonds_______ 13,900 00 Undivided Profits ----------Other Stocks and Bonds_____ --------- Dividends Unpaid ---------Banking House ------------- 12,000 00 Due to Banks in this State__ Furniture and Fixtures_____ 7,000 00 Due to Banks in other States 
 
5,840 52 
 
Other Real Estate Owned____ 10,100 Oo Call Money ---------------- 
 
Due from Banks in this State 22,303 55 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 98,556 44 
 
States ------------------- 2,001 8~ Demand Certificates of Deposit 
 
Currency ------------------ 11,866 00 Time Certificates of Deposit- 113,651 67 
 
Gold ----------------------- 
 
832 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 1,099 40 Cashier's Checks ---------- 1,637 53 
 
Advances on Cotton________ _________ Certified Checks ----------- 
 
Advances on otherCommodi- 
 
Bills Payable -------------- 50,000 00 
 
ties --------------------- _________ Notes and Bills Rediscounted 27,869 95 
 
Checks for Clearing House__ 6,931 15 Certificates of Deposit for 
 
Other Checks and Cash Items 4,824 56 Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances -------------------- --------- Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- --------- Other Liabilities ----------- 
 
Other Assets -------------- 
 
111 OS 
 
2,050 00 
 
Total --------------------$324,606 11 Total --------------------$324,606 11 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$219,256 71 Capital Stock Paid In _______ $ 25,000 00 Demand Loans _____________ 1,916 98 Amt. Reservred for Branches 
 
Loans Securred by Real Estate _________ Surplus Fund -------------United States Bonds -------- 16,600 00 Undivided Profits ---------- 5,630 62 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
BanJ<ing House ------------- 12,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 7,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ 9,500 00 Call Money ---------------Due from Banks in this State 6,577 30 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
1,478 15 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 2,817 00 Time Certificates of Deposit- 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
352 50 Savings Deposits ----------533 10 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton________ _________ Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
Chteiecsks -f-o-r--C-l-e-a-r-i-n-g--H-o-u--se-_-_- 
 
-_-_-_-_-_ _- _-_- -_ 
 
Bills Paya_ble -------------Notes and Bills Rediscounted 
 
68,952 16 93,801 67 
2,565 87 58,500 00 19,260 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
578 58 Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- ________ _ and Accreptances --------- 
 
OOtvheerrdrAafstsset(sif _a_n_y_)__________________ 
 
-_ -_-_ -_ _- _- _-_- -_ 
 
Bonds on Deposit ---------Reserve for Interest and Taxes 
 
4,900 00 
 
Other Liabilities ----------- 
 
Total --------------------$278,610 32 Total --------------------$278,610 32 
 
 FIRST ANNUAL REPORT 
 
417 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF NORCROSS, NORCROSS. 
 
At Close of Business July 24, 1920. 
 
President-A. A. Johnson. Vice-President-C. A. McDaniel. Cashier-F. W. Summerour. 
 
Directors-A. A. Johnson, C. A. McDaniel, P. W. Summerour, T. E. Johnson, 
 
Robt. Burnett, J. M. Nesbit, T. A. Rainey. 
 
Date or Charter-December 12, 1903. 
 
Began Business-February 1, 1904- 
 
RESObRCES 
 
LIABILITIES 
 
Time Loans ----------------$159,786 51 Capital Stock Paid In _______$ 30,000 00 
 
Demand Loans ------------- _________ Amt. Reserved for Branches 
 
Loans Slecured by Real Estate United States Bonds ________ 
 
5,500 00 30,846 00 
 
SUunrdpilvuisdeFd unPdrof-i-ts---_-_-_-_-_-_-__-_--_ 
 
9,101 66 
 
Other Stocks and Bonds_____ ________ _ Dividends Unpaid ---------- 
 
24 00 
 
Banking House ------------- 1,350 00 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 1,450 00 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ----------------- 
 
Due from Banks in this State 5,194 59 Individual Deposits Subject 
 
Due from Banks in ocher 
States ------------------Currency ------------------ 
 
to Check ----------------- 97,941 71 
 
741 13 Demand Certificates of Deposit 1,608 00 Time Certificates of DeposiL 
 
40,799 68 
 
Gold ----------------------- ________ _ Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 
 
716 39 Cashier's Checks -------.---- 
 
50 33 
 
Advances on Cotton________ ________ _ Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 33,566 67 
 
ties --------------------- ________ _ Notes and Bills Rediscounted 
 
Checks for Clearing House__ 
 
219 24 Certificates of Deposit for 
 
Other Checks and Cash Items 4,389 60 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
O vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -_ _- _-_-_-_-_-_- 
 
- - - -2 3-2- - -0 9- 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
549 57 
 
Other Assets -------------- ________ _ 
 
Total --------------------$212,033 55 Total --------------------$212,033 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnosan--s--_-_-_-_--_-_-_-_-_-_-_-_$_12_3_,_9_3_9___41_ 
 
Capital Stock Paid Amt. Reserv,ed for 
 
In _______ $ Branches 
 
30,000 
 
00 
 
Loans Secul'ed by Real Estate 4,349 00 Surplus Fund -------------United States Bonds _______ --------- Undivided Profits ---------- 7,465 35 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 1,350 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,950 00 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------Due from Banks in this State 13,246 10 Individual Deposits . Subject 
 
Due from Banks in other States ------------------- 
Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton________ 
 
268 59 
17,359 00 20 00 
760 31 --------- 
 
to Check ----------------DemandCertificates of DE>posit Time Certificates of DeposiL Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
Cashi,er's Checks ----------- 
 
78,024 86 32,806 76 
82 40 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------Checks for Clearing House__ 
 
________ _ ________ _ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
18,603 37 
 
Other Checks and Cash Items 
 
526 44 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept" 
 
Liability on Letters of Credit 
 
ances -------------------- ________ _ and AcCie-ptances --------- 
 
Overdrafts (if any) -------- 3,213 89 Reserve forintel'est and Taxes 
 
Other Assets -------------- ________ _ Other Liabilities ----------- 
 
Total --------------------$166,982 74 Total --------------------$166,982 74 
 
/ 
L 
 
 418 
 
BANKING DEPARTMENT 
 
EXA!llllilii'EB.'S BEPOBT. 
BANK OF NORRISTOWN, NORRISTOWN. 
At Close of Business July 12, 1920. 
President-J. N. Youmans. Vice-President-J. W. Smith. Cashier-W. L. Crow. Directors--J. N. Youmans, J. W. Smith, W. E. Shell, E. L. Reeks, A. M. Thigpen. 
Date of Charter-March 31, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 36,644 70 Demand Loans ---------------- 1,500 00 Loans Secured by Real Estate 
 
OUnthiteerdSStotcaktess aBndonBdson-d-s--_-_-_-_-_-_- 
 
90 00 
 
BFuarnnkiitnugreHaonudseFi-x-t-u-r-e-s-_-_-_-_-_-_-_-_- 
 
1,835 80 2,286 98 
 
Other Real Estate Owned_____ _ 
 
Due f1rom Banks in this State__ -2~682-53 
 
Due from Banks In other States 
 
Currency ---------------------GSiollvder-, -N--i-c-k-e-l-s-, -P--e-n-n--ie-s--__-_-_-_-_-_-_Advances on Cotton ---------Advances on other Commodities Checks for Clearing House___ _ 
 
1,266 00 
10 00 844 83 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts (if any) ___________ _ Other Assets ------------------ 
 
372 17 
 
Capital Stock Paid In----------$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits ------------ 
 
391 93 
 
Dividends Unpaid -----------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ------------------Individual Deposits Subject to 
 
Check ----------------------- 14,460 09 Demand Certificates of Deposit 
 
Time .Certificates of Deposit__ 15,550 41 
 
Savings Deposits -------------- --------- 
 
Cashier's Checks -------------- 
 
16 10 
 
Certified Checks -------------Bills Payable ---------------- 2,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances ------------ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 1ll 48 
 
Total ------------------------$ 47,531! 01 T~tal ------------------------$ 47,533 01 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 31,570 23 
 
Demand Loans ---------------- 1,000 00 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
2,100 00 
 
Other Stocks and Bonds _____ _ 
 
BFuarnnkiitnugreHaonudse F-i-x-t-u-r-e-s--_-_-__-_-_-_--_ Other Real Estate Owned_____ _ 
 
1,835 80 2,286 98 
 
Due f>rom Banks in this State__ Due from Banks in other States 
 
926 11 
 
Clllrrency ---------------------SGiolvlder,--N--i-c-k-e-ls-,--P-e--n-n-i-e-s-_-_-_-__-_-_--_ Advances on Cotton ___________ _ 
Advances on other Commodities Checks for Clearing House___ _ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ 
 
954 00 18'5 00 107 17 305 36 
169 13 
 
Overdrafts (if any) ------------ 
 
Other Assets -------------- 
 
Capital Stock Paid In----------$ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- --------- 
 
Undivided Profits -------------- 
 
46 79 
 
Dividends Unpaid ------------ --------Due to Banks in this State __ --------- 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
Check -------------~--------- 6,1U8 52 Demand Certificates of Deposit --------Time Certificates of Deposit__ 16,775 41 
 
Savings Deposits -------------- --------Trust Funds on Deposit ______ --------- 
 
Cashier's Checks -------------- --------- 
 
Certified Checks ----------- 
 
459 06 
 
Bills Payable ------------------ 3,000 00 
 
Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$ 41,389 78 Total ------------------------$ 41,389 78 
 
 FIRST ANNUAL REPORT 
 
419 
 
E:XA'MINEB.'S :REPOB'r. 
 
BANK OF NORlVIAN PARK, NORMAN PARK. 
 
At Close of Business September 11, 1920. 
 
Pres,Jdent-M. D. Norman. Vice-President-R. L. Norman. Cashier-0. F. Creech. 
 
Directors-M. D. Norman, R. L. Norman, 0. F. Creech, V. F. Norman, J. T. Nor- 
 
man, M. B. Norman. 
 
Date of Charter-March 23, 1906. 
 
Began Business-April 23, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$211,970 42 Capital Stock Paid In---~------$ 25,000 00 
 
Demand Loans ------------ -- ------ Amount Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds__________ 
 
--------12,150 00 
 
Surplus Fund ----------------Undivided Profits. -------------- 
 
25,000 00 19,554 98 
 
Other Stocks and Bonds ------ ________ _ Dividends Unpaid ------------ 
 
Banking House --------------- 3,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures________ 2,157 65 Due to Banks in other States 
 
Other Real Estate Owned______ --------- Call Money -------------------Due from Banks in this State__ 6,413 14 Individual' Deposits Subject to 
 
Due from Banks in other States 2,4.34 71 Check ----------------------- 90,287 15 
 
Cunrency ---------------------- 1,417 00 Demand Certificates of Deposit 
 
Gold --------------------------- --------- Time Certificates of Deposit__ 88,965 14 
 
Silver, Nickels, PennieS-------- 714 42 Savings Deposits -------------- 
 
Advances on Cotton___________ 16,134 17 Trust Funds on Deposit ------ 
 
Advances on other Commodities --------- Cashier's Checks -------------- 389 04 
 
Cheeks for C!eruring House_____ 16,635 70 Ce,-tified Checks -------------- 
 
Other Checks and Cash Items 325 28 Bills Paya.ble ------------------ 15,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted 
 
of Credit and Acceptances __ ________ _ Certifi.cates of Deposit for Bor- 
 
Overdrafts (if any)____________ 4,654 40 rowed Money ---------------- 
 
Other Assets ------------------ 
 
32 72 Liability on Letters of Credit 
 
and Acceptances ------------ 
 
Reserve for Interest and Taxes 1,078 61 
 
Othe,r Liabilities -------------- 12,764 69 
 
6'l Total ------------------------$278,039 
 
Total ------------------------$278,039 61 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIEb 
 
Time Loans ------------------$155,9!;2 96 Demand Loans ---------------- --------Loans Secured by Real Estate 42,680 75 United States Bonds__________ 12,150 00 Other Stocks and Bonds ------ ________ _ 
Banking House --------------- 3,000 00 Furniture and Fixtures________ 2,157 65 Other Real Estate Owned______ --------Due from Banks in this State__ 12,686 42 Due from Banks in other States 746 07 
Currency ---------------------- 1,986 00 Gold -------------------------- _ --------Silver, Nickels, Pennies________ 48'0 Of> Advances on Cotton __________ 22,543 37 
Advances on other Commodities --------Checks for Cleruring Honse____ --------Other Checks and Cash Items 143 37 Customers' Liability on Letters 
of Oredit and Acceptances __ --------Overdrafts (if any) ------------ --------Other Assets ------------------ --------- 
 
Capital Stock Paid In ____,______ $ 25,000 00 Amount Reserved for Branches Surplus Fund ----------------- 25,000 00 Undivided Profits -------------- 16,726 41 Dividends Unpaid -----------Due to Banks in this State __ Due to Banks in other States 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 57,282 50 Demand Certificates of Deposit Time Certificates of Deposit__ 87,722 75 
Savings Deposits -------------Trust Funds on Deposit -----Cashier's Checks -------------- 726 37 Certified Checks -------------Bills Payable ------------------ 26,000 00 Notes and Bills Rediscounted __ 15,000 00 Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities: Depreciation Reserve ---------- 1,078 61 
 
Total ------------------------$254,536 64 Total ------------------------$254, nz-6 64 
 
1... 
 
 420 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
EXCHANGE BANK, OAKFIELD. 
 
President-J. E. Campbell. Vice-President-J. T. Ross. Cashier-A. R. Johnson. 
 
Directors-J. E. Campbell, J. T. Ross, D. J. DuPree, J. E. DuPree, C. L. Hall. 
 
:Oate of Charter-November 22, 1911. 
 
Began Business-November 22, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ Demand Loans ____________ -- 
 
47,336 
 
29 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
Other Stocks and Bonds _____ _ 
 
Banking House ---------------Furniture and Fixtures_______ _ 
Other Real Estate Owned ___ _ Due from Banks in this Stnte__ 
 
2,500 00 2,000 00 1,600 00 2,813 71 
 
Due from Banks in other States 
 
18 72 
 
Currency ---------------------- 780 00 
 
Gold --------------------------Silver, Nickels, Pennies _______ _ Advances on Cotton _________ _ 
 
75 00 14U 4C 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
770 60 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
37 57 
 
of Credit and Acceptances__ Overdrafts (if any) ___________ _ 
 
519 54 
 
Other Assets ------------------ 16,026 17 
 
Transit Account -------------- 395 34 
 
Cash Short -------------------- 
 
2 90 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches --------Surplus Fund -----~----------- ________ _ 
 
Undivided Profits ------------ 2,833 22 Dividends Unpaid ------------ ________ _ 
 
Due to Banks in this State____ 143 73 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 12,713 24 Demand Certificates of Deposit --------Time Certificates of DeposiL_ 16,789 52 
 
Savings Deposits -------------- 357 29 
 
Cashier's Checks -------------- 
 
57 30 
 
Certified Checks -------------- --------- 
 
Bills PaYable ------------------ 22,500 00 Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ ________ _ 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 4,622 20 
 
Total ------------------------$ 75,016 50 Total ------------------------$ 75,016 50 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
33,609 1,327 
 
89 00 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
Other Stocks and Bonds _____ _ 
 
Banking House ---------------- 2,5UU 00 Furniture and Fixtures _______ _ 2,000 00 
 
Other Real Estate Owned ___ _ 1,600 00 
 
Due from Banks in this State __ 2,539 56 
 
Due from Banks in other States 
 
14 55 
 
Cunency ---------------------- 1,479 00 
 
Gold --------------------------Silver, Nickels, Pennieis _____ _ Advances on Cotton _________ _ 
 
766 75 735 13 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 480 54 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ Overdrafts. (if any) ___________ _ 
 
869 66 
 
Other Assets: 
 
Profit and Loss ---------------- 
 
65 97 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ----------------- 
 
Undivided P.rofits -------------- 
 
Dividends Unpaid -----------Due to Banks in this State __ 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 7,402 96 Demand Certificates of Deposit 
 
Time Certificates of DeposiL_ 15,989 52 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
293 07 
 
Cashier's Checks -------------- 
 
2 50 
 
Certified Checks -------------Bills Payable ------------------ 9,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Depreciation _____ _ 
 
300 00 
 
Other Liabilities -------------- 
 
Total ------------------------$ 47,988 05k Total ------------------------$ 47,98/l 05 
 
 FIRST ANNUAL R~PORT 
 
421 
 
EXA'MINEB'S B.EPOB.T. 
 
BANK OF OOHLOOHNEE, OOHLOOHNEE. 
 
At Close of Business July. 22, 1920. 
 
President-R. Singletary. Vice-President-D. B. Anderson. Cashier-A. E. Speer. 
 
Directors-R. S.ingletary, D. B. Ande.rson, A. E. ,Speer, J. R. Rupp, C. C. Wurst. 
 
Date of Charter-October 19, 1906. 
 
Began Business-November, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
~~~~n~0~ans-================$ 
 
95,737 6,808 
 
74 72 
 
Loans Secured by Real Estate 
 
United States Bonds_________ _ 
 
Other Stocks and Bonds______ _ Banking House ______________ _ Furniture and FixtureR-------Other Real Estate Owned ___ _ 
 
3,000 00 
2,144 70 1,824 62 
 
Due from Banks in this State __ Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies-------Advances on Cotton _________ _ 
 
10,875 21 4,996 17 1,812 00 
12 50 607 95 
 
Advances on other Commodities Checks for Clearing House ___ _ Othe1r Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts (if any) ___________ _ 
 
1,648 24 57 83 
 
Other Assets ------------------ 3,643 42 
 
Capital Stock Paid In----------$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided Profits -------------- 
 
5,000 00 4,027 70 
 
Dividends Unpaid -------------- 500 00 
 
Due to Banks in this State -- 
 
Due to Banks in other States __ 
 
Call Money -------------------- 22,500 00 
 
Individual Deposits Subject to 
 
Check ----------------------- 46,995 05 Demand Certificates of Deposit 
 
Time Certificates of Deposit._ 25,223 86 
 
Savings Deposits -------------- 12,349 94 
Cashier's Checks -------------- 112 79 
 
Certified Checks -------------- 
 
3 00 
 
Bills Payable -----------------Notes and Bills Rediscounted 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- 
 
Liability on Letters of Credit 
 
and Acceptances ------------ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 1,456 76 
 
Total ------------------------$133,169 10 Total ------------------------$13~169 10 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 85,733 05 
 
Demand Loans ---------------- 5,567 60 Loans Secured by Real Estate 15,000 00 
 
United States Bonds__________ --------- 
 
Other Stocks and Bonds______ 3,000 00 Banking House ________________ 2,144 70 
 
Furniture and Fixtures____ .. ___ 1,883 08 Other Real Estate .Owned ____ ________ _ 
 
Due from Banks in this State__ 12,724 71 
 
Due f,rom Banks in other States 9,876 08 
 
Currency ---------------------- 2,804 00 
 
Gold --------------------------Silver, Nickels, Pennies________ 
 
7 50 704 73 
 
Advances on Cotton____________ 622 79 
 
Advances on other Commodities --------- 
 
Checks for Clearing House____ --------- 
 
Other Checks and Cash Items 
 
59 99 
 
Customers' Liability on Letters 
 
of Credit and Acceptances.... --------Overdrafts (if any) ____________ --------- 
 
Other Assets: 
 
Mutual Fire Insurance Fund__ 120 00 
 
Depositors' Guarantee Fund.... 3,421 35 
 
Capital Stock Paid In----------$ 15,000 00 Asumrpoluunst RFuesnedrv_e_d__f_o_r__B__r_a_n_c_h_e__s -5~ooo-oo 
Undivided Profits -------------- 3,298 34 Dividends Unpaid -~-- .. - - - --------Due to Banks In this State __ --------Due to Banks in other States.... --------Call Money -------------------- 20,000 00 IndiVidual Deposits Subject to 
Check ----------------------- 33,577 53 Demand Certificates of Deposit --------Time Certificates of DeposiL- 23,480 80 Savings Deposits -------------- 10,547 12 Trust Funds on Deposit ------ --------Cashier's Checks -------------- 265 79 Certified Checks -------------- --------Bills Payable ------------------ 32,500 00 Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- ________ _ 
 
'l'otal --------------------- ...... $143,669 58 Total ------------------------$143,669 58 
 
 422 
 
BANKlNG DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF OGLETHORPE, OGLETHORPE. 
 
At Close of Business August 26, 1920. 
 
President-W. H. Stewart. Vice-President-D. P. Coogle. Cashier-W. E. Wilburn. 
Directors-W. H. Stewart, H. N. Shealy, w. E. Wilburn, D. P. Coogle, R. L. Shealy. 
 
Date of Charter-February 5, 1901. 
 
Began Business-February 8, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 50,684 59 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds ___ _ Banking House ___________ _ 
Furniture and Fixtures____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------- 
 
30,896 25 Amt. ReserVled for Branches 80,000 00 Surplus Fund -------------- 
900 00 Undivided Profits ----------17,771 37 Dividends Unpaid ---------- 
1,225 00 Due to Banks in this State __ 500 00 Due to Banks in other States 550 00 Call Money ---------------- 
6,370 50 Individual Deposits Subject 841 74 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
5,000 00 17,273 58 
10,000 00 47,702 88 
 
Currency -----------------GS iollvde r ,- - -N-i-c-k-e-l s-,- -P- e- -n-n-i e- -s -__-_-_- -_ Advances on Cotton_______ _ Advances on other Commodi- 
 
1,447 00 Time Certificates of DeposiL 61 00 Savings Deposits ----------- 
953 37 Trust Funds on Deposit_ ___ _ 
Cashier's Checks ----------Certified Checks ------------ 
 
64,379 75 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__- 
 
Bills Payable --------------- 34,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
ances -------------------Overdrafts (If any) -------- 
 
and Acc,e,ptances --------260 00 Reserve for Interest and Taxes 
 
Other Assets --------------- 
 
260 00 Other Liabilities ----------- 
 
Total --------------------$193,356 21 Total --------------------$193,356 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 36,521 63 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------ 10,123 21 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 80,581 99 Discount and Interest_ _____ _ 6,714 38 
 
United States BonQ,s________ 
 
900 00 Premium on Ex. ----------- 
 
304 27 
 
Other Stocks and Bonds ___ _ 14,021 37 Surplus Fund -------------- 5,000 00 
 
Banking House ------------- 1'775 00 Undivided Profits ---------- 17,097 91 
 
Furniture and Fixtures____ _ 
 
500 00 Dividends Unpaid ---------- 
 
Other Real Estate Owned___ _ Due from Banks in this State 
 
-1-8-, -8 -9 7- - -18- 
 
Due to Banks in this State__ Due to Banks in other States 
 
Due from Banks in other States ------------------- 
Currency, Cash ------------GS oi llvde r-, - -N-i-c-k-e-l-s ,- -P- -e-n-n-i-e-s-_-__-_- -_ Advances on Cotton________ _ Advances on other Commodi- 
 
Call Money ---------------678 57 Individual Deposits Subject 5,499 24 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
Time Certificates of DeposiL 35,756 81 Savings Deposits ----------- 
Trust Funds on Deposit_ ___ _ 
 
56,656 11 50,793 93 
 
Chteiecks s -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__Other Checks and Cash Items Customers' Liability on Let- 
 
Cashier's Checks-Ind. Led. __ 
Certified Checks -----------Bills Payable --------------Notes and Bills Rediscounted 
 
60,000 00 
 
ters of Credit and AcceptO vaenrcdersa f-t -s -(-i-f-a-n- -y-) - -----------------Other Assets: 
 
Certificates of Deposit for Borrowed Money ________ _ 
1,337 59 Liability on Letters of Credit and Aceeptances ________ _ 
 
Interest Paid --------------Expense Account ----------- 
 
2,854 40 Reserve for Interest and Taxes 
2,119 61 Other Liabilities ------------ - - - - 
 
Total --------------------$211,566 60 Total --------------------$211,566 60 
 
 FIRST ANNUAL REPORT 
 
423 
 
EXAMINEB'S BEPOBT. 
 
MACON COUNTY BANK, OGLETHORPE. 
At Close of Business' July 27, 1920. 
 
President-D. A. McBride. Vice-President-R. H. Stubbs. Cashier-J. B. Dodd. 
 
Directors-E. W. Shealey, A. L. KleckleY, R. H. Stubbs, T. C. Webb, D. A. McBride. 
 
Date of Charter-October 16, 1906. 
 
Began Business-October, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 75,565 88 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 21,437 56 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ______ _ Other Stocks and Bonds____ _ 
 
6,000 00 Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ----------- 
 
1,500 00 484 48 8 00 
 
Banking House ------------ 2,737 18 Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ 2,065 97 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
Call Money ---------------- 19,000 00 
 
Due from Banks in this State 1,759 05 Individual Deposits Subject 
 
Due from Banks in other 
 
to Che'ck ----------------- 43,778 42 
 
States ------------------- 
 
145 96 Demand Certificates of Depo~it 
 
Currency ------------------ 1,011 00 Time Certificates of DeposiL 35,037 33 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton________ 
 
75 00 Savings Deposits ----------1,263 58 Cashi,er's Checks ----------- 
Certified Checks ------------ 
 
1,348 73 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
Chteiecks s -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
Notes and Bills Rediscounted 10 66 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
314 87 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
ances -------------------Overdrafts (if any) -------- 
 
Reserve for Interest and Taxes 299 14 Other Liabilities ----------- 
 
4 09 
 
Other Assets --------------- 3,475 20 
 
Total --------------------$116,161 05 Total --------------------$116,161 05 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 65,064 52 Capital Stock Paid In_______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ______ _ Other Stocks and Bonds_____ 
 
13,211 60 Amt. Reserved for Branches 19,511 23 Surplus Fund -------------- 
Undivided Profits ---------Dividends Unpaid ----------- 
 
1,500 00 411 30 8 00 
 
Banking House ------------ 2,737 18 Due to Banks in this State__ Furniture and Fixtures ____ _ 2,193 47 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 7,000 00 
 
Due from Banks in this State 1,682 69 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e--n-n-ie-s--__-_-_--_ 
 
1,458 03 1,330 00 
90 00 525 93 
 
D et om aCnhdeCc ke r-t i-f-i c-a-t-e-s-o- f- -D-e-p- -o-s-i t Time Certificates of DeposiL 
Savings Deposits ----------Trust Funds on Deposit____ _ 
 
38,555 88 5,000 00 
25,041 20 
 
Advances on Cotton --------Advances on other Commodi- 
ties --------------------Checks for Clearing House__ 
 
8,558 17 Cashier's Checks ----------Certified Checks -----------Bills Payable --------------Notes and Bills Rediscounted 
 
1,678 04 26,000 00 
 
Other Checks and Cash Items 
 
224 42 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-) - -- -- -- -- -- -- -- -- -- 
 
and Acceptances --------91 98 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Depositors' Guarantee Fund_ 3,355 20 
 
- - - - - Mutual Fire Insurance Fund_ 
 
120 00 
 
Total --------------------$120,194 42 Total --------------------$120,194 42 
 
 r 
 
424 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
PEOPLES BANK, OLIVER. 
 
At Close of Business August 18, 1920. 
 
President-0. H. Marsh. Vice-P.-esidents-H. E. Ezelle, W. J. Quantock. Cashier-J. J. Marsh. 
Directors-0. H. Marsh, W. J. Quantock. H. E. Ezelle, J. J. Tullis, c. s. Trowell, 
W. J. Newton, C. E. Tuttle, C. L. Huggins, John Kennedy. 
 
Date of Charter-July 13, 1906. 
 
Began Business-September, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$117,035 33 Capital Stock Paid In_______ $ 22,500 00 
 
Demand Loans ------------- 1,547 83 Amt. Reserv:ed for Branches 
 
Loans Secured by Real Estate United States Bonds _______ 
 
-----~--2,933 46 
 
Surplus Fund -------------Undivided Profits ----------- 
 
3,000 00 6,777 30 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------Banking House ------------- 1,700 00 Due to Banks in this State__ Furniture and Fixtures _____ 1,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 11,997 92 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
2,343 62 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 49,860 69 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-__-_-_--_ 
 
3,477 00 Time Certificates of Deposit_ 63,046 04 
 
40 00 Savings Deposits ----+------ 
 
905 79 Cashier's Checks ------------ 
 
558 80 
 
Advances on Cotton________ Advances on other Commodi- 
 
--------- 
 
CBeilrltsifiPedayCabhleeck_s _-_-_-_-__-_-_-_-_-_-_--_ 
 
ties --------------------- _________ Notes and Bills Rediscounted 
 
Checks for Clearing House__ --------- Certificates of Deposit for 
 
Other Checks and Cash Items --------- Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - ---- -- -- -- -- -- -- 
 
- - - -1 1- 6- - -0 4- 
 
Reserve for Interest and Taxes Other Liabilities ------------ 
 
24 82 
 
Other Assets --------------- 2,670 66 
 
Total --------------------$145,767 65 Total --------------------$145,767 65 
 
BANK'S S'l'ATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 92,550 53 Capital Stock Paid In _______ $ 22,500 00 
Screven County Warrants __ _ 1,089 15 Amt. Reserved for Branches 
 
Demand Loans ------~----- 3,570 48 Surplus Fund -------------- 4,500 00 
 
Loans Secured by Real Estate 9,720 15 Undivided Profits ----------- 
 
721 47 
 
United States Bonds (W. S. S. 
 
Dividends Unpaid ----------- 
 
320 00 
 
170.66) ------------------Banking House ------------Furniture and Fixtures____ _ 
 
3,399 12 Due to Banks in this State __ 
 
1,650 900 
 
00 00 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_e:s_. --------- 
 
Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
 
--------7,020 73 
 
Individual Deposits Subject Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
47,017 57 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ 
 
16,812 57 Time Certificates of Deposit_ 4,463 00 Savings Deposits ----------40 00 Trust Funds on Deposit_ ___ _ 852 59 Cashier's Checks ----------- 
 
42,072 09 816 48 
 
--------- Advances on other Commoili- 
Chtelecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
CBeilrltsifiPedayCahbelecks__-_-_-_-_-_-_-_-_-__-_--_ 25,000 00 277 83 Notes and Bills Rediscounted 
 
--------- Other Checks and Cash Items 
Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
--------- ances -------------------- 
Overdrafts (if any) -------- 
 
and Acceptances --------351 46 .Reserve for Interest and Taxes 
 
Other Assets: 
 
Other LiabilitiEls ----------- 
 
Federal International Bank- 
 
ing Co. -------------------25-0--0-0 
 
Total --------------------$142,947 61 Total ____________________ $142,947 61 
 
 FIRST ANNUAL REPORT 
 
.. 425 
 
EXAMINEB'S BEPOBT. 
 
BANK OF OMEGA, OMEGA. 
 
At Close of Business August 13, 1920. 
 
President-Irving Willis. Vice"Presidents'-G. M. Robinson, Miles Cowart. Cashier-W. H. Sorrow. 
Di-rectors-Irving Willis, G. M. Robinson, W. H. Sorrow, Miles Cowart, C. R. Patrick. 
 
Date of Charter-October 9, 1912. 
 
Began Business-1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 96,934 84 Capital Stock Paid In _______$ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ______ _ Other Stocks and Bonds_____ 
Banking House ------------Furniture and Fixtures_____ Due from Banks in this State Due from Banks in other 
 
5,096 91 Amt. Reserv,ed for Branches --------- 
Surplus Fund --------------- 1,000 00 Undivided Profits ---------- 4,604 67 Dividends Unpaid ---------- --------2,407 97 Due to Banks in this State__ --------2,840 45 Due to Banks in other States --------2,881 02 Call Money ---------------- 38,500 00 Individual Deposits Subject 
 
States ------------------Currency -----------------GS iollvde r ,- -N- -i c-k-e-l-s-, - -P-e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton_______ _ 
Advances on other Commodi- 
 
2,773 50 987 00 170 00 439 03 
 
to Check ----------------Demand Certificates of Deposit Time Certificates of Deposit_ 
Savings Deposits ----------Cashier's Checks ----------Certified Checks ------------ 
 
32,178 78 --------11,346 47 
--------596 25 
--------- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--_-_ Other Checks and Cash Items 
 
Bills Payable --------------- 15,000 00 103 20 Notes and Bills Rediscounted --------160 01 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any)-------Other Assets --------------- 
 
and Acceptances --------- --------28!i 48 Reserve for Interest and Taxes --------- 
2 24 Other Liabilities: 
 
Cash Short ----------------Depositors' Guarantee Fund_ 
 
Deposits ------------------3,082 10 
 
57 58 
 
Mutual Fire Fund ---------- 
 
120 00 
 
Total --------------------$118,283 75 Total --------------------$118,283 75 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 76,080 92 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ______ _ Other Stocks and Bonds_____ 
BFuanrnkiitnugreHoaunsde F--i-x-tu--r-e-s-_-__-_--_ Other Real Estate Owned ___ _ Due from Banks in this State 
 
5,358 17 2,407 97 2,840 45 
 
Amt. ReserV'ed for Branches --------- 
 
Surplus Fund --------------- '1,000 00 
 
Undivided Profits ---------- 4,014 90 
 
Dividends Unpaid ---------- --------- 
 
Due to Banks in this State__ 
 
498 35 
 
Due to Banks in other States --------- 
 
Call Money ----------------- 32,500 00 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton ________ _ 
 
to Check ----------------- 15,282 79 
 
3,143 34 893 00 
 
Demand Certificates of Deposit T;me Certificates of Deposit_ 
 
--8~349-88 
 
165 00 Savings Deposits ----------- --------- 
 
309 7fi Trusf Funds on Deposit_____ --------- 
 
5,002 65 Cashier's Checks ----------- 
 
612 11 
 
Advances on other Commodi- 
 
Certified Checks ------------ --------- 
 
ties ---------------------- 
 
Bills Payable -------------- 21,000 00 
 
Checks for Clearing House __ 1,218 05 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 
 
352 99 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
and Acceptances --------- --------361 34 Reserve for Interest and Taxes --------- 
 
Other Assets: 
 
Other Liabilities ----------- --------- 
 
Mutual Fire Funds ---------- 120 00 
 
Total --------------------$ 98,258 04 Total --------------------$ 98,258 04 
 
} 
 
 426 
 
BANKING DEPARTMENT 
 
E:XAMUI'E:R'S :REPO:RT. 
 
BANK OF PALMETTO, PALMETTO. 
 
At Close of Business November 9, 1920. 
 
President-T. P. Bullard. Vice:President-J. C. ;watkins. Cashier-F. L. Brittain. 
 
Directors-Chas. Jackson, G. A. Keith, J. A. Sasser, D. B. Bullard, J. B. Smith, W. R. Thomason, T. P. Bullard, J. C. Watkins, W. H. Hall. 
 
Date of ChaTter-September 4, 1904. 
 
Began Business-October 1, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$115,431 99 Capital Stock Paid In_______ $ 25,000 00 
 
Demand Loans ------------- 20,830 34 Amt. Reserved for Branches 
 
United States Bonds________ 10,000 00 Surplus Fund -------------- 
 
Other Stocks and Bonds____ 100,603 00 Undivided Profits ---------- 1,946 38 
 
Banking House ------------- 6,000 00 Dividends Unpaid ---------- 
 
Furniture and Fixtures_____ 2,157 28 Due to Banks in this State__ 
 
Other Real Estate Owned____ --------- Due to Banks in other States 
 
Due from Banks in this State 14,099 27 Call Money ----------------- 133,500 00 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-__-_-_--_ 
 
2,824 3,077 
 
02 00 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
64,511 17 
 
50 00 Time Certificates of Deposit_ 36,768 43 
 
705 00 Savings Deposits ----------- 
 
Advances on other Commodi- 
 
Trust Funds on Deposit____ _ 
 
C htei ecsk s- -f o- -r - -C-l-e-a-r-i n- g- - -H-o-u- -s e- -__- 
 
- - - -2 4- 9- - -51- 
 
Cashier's Checks ----------Certified Checks ------------ 
 
346 74 
 
Customers' Liability on Let- 
 
Bills Payable -------------- 20,000 00 
 
ters of Credit and Accept- 
 
Notes and Bills Rediscounted 
 
o:e~~~~fts-(iTa;;y)-========= 
 
-------49 
 
Certificates of Deposit for Borrowed Money --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Assessment Levied on Stock- 
 
and Acceptances --------- 
 
holders ------------------ 
 
500 00 Reserve for Interest and Taxes 
 
Depositors' Guarantee Fund_ 3,464 50 Other Liabilities: 
 
Fire Insurance Fund ------- 
 
130 00 Cash Long ----------------- 
 
4 00 
 
Collection Account ---------- 1,954 32 
 
Total --------------------$282,076 72 Total --------~-----------$282,076 72 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 98,555 55 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 21,832 34 Amt. Reserv:e.d for Branches 
 
Loans Secured by Real Estate 3,321 84 Surplus Fund -------------- 
 
United States Bonds _______ _ 10,000 00 Undivided Profits ----------- 1,555 05 
 
Other Stocks and Bonds___ _ 100,603 00 Dividends Unpaid ---------- 
 
Banking House ------------- 6,000 00 Due to Banks in this State__ 
 
Furniture and Fixtures____ _ 2,157 28 Due to Banks In other States 
 
Due from Banks in this State 21,851 52 Call Money ---------------- 136,000 00 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
--------- States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
3,005 3,067 
 
84 00 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
Time Certificates of Deposit_ 
 
375 77 Savings Deposits ----------- 
 
60,686 00 35,334 36 
 
Advances on other Commodi- 
 
Trust Funds on Deposit_ ___ _ 
 
--------- Chteiecsks--f-o-r--C-l-e-a-r-in-g---H-o-u-s-e-_-_--------- Customers' Liability on Let- 
 
Cashier's Checks __________ _ 
 
243 55 
 
Certified Checks -----------Bills Payable -------------- 18,000 00 
 
ters of Credit and Accept- 
 
Notes and Bills Rediscounted 
 
--------- Ovaenrcdersaf-ts---(i-f--a-n-y-)-------------------------- Other Assets: 
 
Certificates of Deposit for Borrowed Money --------- 
Liability on Letters of Credit 
 
Depositors' Guarantee Fund_ 3,464 50 and Acce.ptances --------- 
 
Mutual Fire Insurance Fund 
 
130 00 Reserve for Interest and Taxes 
 
Assessment Levied Uncol- 
 
Other Liabilities ----------- 
 
lected ------------------Collection Account --------- 
 
500 00 1,954 32 
 
Total --------------------$276,818 96 Total --------------------$276,818 96 
 
 FIRST ANNUAL REPORT 
 
427 
 
EXAMINEB.'S B.EPOB.'l'. 
 
THE FARMERS BANK, PALMETTO. 
 
At Close of Business October 16, 1920. 
 
President-L. 0. Benton. Vice-Presidents-R. D. Tatum, E. G. Duke. 
 
Cashier-B. W. Cochran. 
 
Directors-J. H. Ballard, L. 0. Benton, J. B. CleQkler, B. W. Cochran, E. \V. 
 
Cranford, E. G. Duke, H. J. Johnson, J. J. McElwaney, GeoTge Reeves, J. A. 
 
Reeyes, B. S. Roan, J. P. Shell, R. D. Tatum, J. 0. Welden. 
 
Date of Charter-June 29, 1918. 
 
Began Business-July 10, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$146,480 90 Capital Stock Paid In_______$ 35,000 00 
 
Loans Secured by Real Estate --------- Amt. Reserved for Branches 
 
Demand Loans ------------- 17,293 65 Surplus Fund -------------- 7,000 00 
 
United States Bonds ------Other Stocks and Bonds _____ 
 
1,000 00 Undivided Profits ----------37,000 00 Dividends Unpaid ---------- 
 
404 37 
 
Banking House ------------ 4,438 63 Due to Banks in this State 
 
Furniture and Fixtures_____ 1,799 39 Due to Banks in other States 
 
Other Real EstatJe Owned____ 1,500 00 Call Money ---------------Due from Banks in this State 31,037 14 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
678 24 Detmo aCnhdeCcekrt-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 130,042 86 2,660 00 Time Certificates of Deposit 51,879 73 
 
GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
20 00 Savings Deposits ----------100 75 Cashier's Checks ----------- 
 
22 50 
 
Advances on Cotton -------Advances on other Commodi- 
 
--------- CBeilrltsifBieadyaCbhleec_k_s___-_-_-_-_-_--_,-_-__--_ 
 
20,000 00 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -__- 
 
84 86 Notes and Bills Rediscounted 239 70 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
185 50 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Aceeptances --------- 
 
ances -------------------- --------- Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- --------- Other LiabiliUes ----------- 
 
171 50 
 
Other Assets --------------- 
 
2 20 
 
Total --------------------$244,520 96 Total --------------------$244,520 96 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$129,058 10 Capital Stock Paid In_______ $ 35,000 00 
 
Demand Loans ------------- 17,100 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 4,560 00 Surplus Fund -------------- 7,000 00 
 
United States Bonds _______ 1,000 00 Undivided Profits ----------- 
 
921 90 
 
Other Stocks and Bonds _____ 37,000 00 Dividends Unpaid ---------- 
 
Banking House ------------ 5,691 88 Due to Banks in this State 
 
Furniture and Fixtures_____ 1,799 39 Due to Banks in other States 
 
Other Real Estate Owned____ 1,500 00 Call Money ---------------- 
 
Due from Banks in this State 21,402 92 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
216 21 Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 105,535 65 2,481 00 Tfme Certificates of Deposit_ 47,968 73 
20 00 Savings Deposits ----------178 77 Trust Funds on Deposit____ _ 
 
Advances on Cotton ________ --------- Cashier's Checks ------------ 1,101 71 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- _________ Bills Payable --------------- 25,000 00 
 
Checks for Clearing House__ 
 
494 22 Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acc,eptances _________ 
 
Overdrafts (if any) Other Assets: 
 
-------- 
 
--------- 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Profit and Loss ------------- 
 
25 50 
 
Total ---------------------$222,527 99 Total ---------------------$222,527 99 
 
 428 
 
BANKING DEPARTMENT 
 
EXAMilfEB'S BEPOBT. 
 
BANK OF PARROTT, PARROTT. 
 
At Close of Business July 19, 1920. 
 
President-S. J. Carter. Vice-President-J. L. Parrott. Cashier-Roy Pinkston. 
 
Directors-S. J. Carter, J. L. Parrott, J. T. Arnold, C. F. Oxford, W. L. Flowers. 
 
Date of Charter-January 25, 1906. 
 
Began Business-March 3, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 93,639 66 Capital Stock Paid In________$ 15,000 00 
 
Demand Loans ------------- 16,687 85 Amt. Re.served for Branches --------Loans Secured by Real Estate 20,000 00 Surplus Fund -------------- l ,500 00 United States Bonds _______ --------- Undivided Profits ---------- 7,727 78 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ----------- --------- 
 
Banking Hous1e ------------ 2,000 oo Due to Banks in this State --------- 
 
Furniture and Fixtures______ 
 
750 Oo Due to Banks in other States --------- 
 
Other Real Estate Owned____ 1,360 00 Call Money ---------------- 15,000 00 Due from Banks in this State 4,944 11 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 56,630 72 
 
States ------------------- 4,577 52 Demand Certificates of Deposit --------Currency ------------------- 1,434 00 Time Certificates of Deposit 54,803 28 
 
Gold ----------------------- --------- Savings Deposits ----------- --------Silver, Nickels, Pennies_____ 1,127 95 Trust Funds on Deposit____ --------- 
 
Advances on Cotton -------- --------- Cashier's Checks ------------ 
 
318 46 
 
Advances on otheT Commodities _________ Certified Checks ------------ _________ 
 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
965 65 Bills Payable --------------- --------411 1I Notes and Bills Rediscounted --------- 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- _________ 
 
ances ------------------ ----------- Liability on Letters of Credit Overdrafts (if any) ________ --------- and Acceptances ---------- --------- 
 
Other Assets --------------- 3,082 39 Reserve for Interest and '.raxes --------Other Liabilities ___________ --------- 
 
Total --------------------$150,980 24 Total --------------------$150,980 24 
 
BANK'S STATEMENT at Close of Business December 15, 19~0. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 77,884 66 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- 65,301 17 Amt. R1eserved for Branches --------Loans Secu!'ed by Real Estate _________ Surplus Fund -------------- 1,500 00 United States Bonds _______ --------- Undivided Profits ---------- 3,963 73 
 
Other Stocks and Bonds _____ --------- Dividends Unpaid ----------- _________ 
 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned ___ _ Due from Banks in this State 
 
2,000 00 Due to Banks in this State --------750 00 Due to Banks in other States --------- 
1,235 00 Call Money ----------------- 15,000 00 3, 760 75 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 43,484 01 
 
States ------------------- 4,128 14 Demand Certificates of De- 
 
Currency ------------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
707 00 --------- 
708 51 
 
posit -------------------Time Certificates of Deposit Savings Deposits ----------- 
 
5,000 00 60,411 44 --------- 
 
Advances on Cotton -------- 
 
668 13 Trust Funds on Deposit____ --------- 
 
Advances on other Commodities ________ _ Cashier's Checks ___________ _________ 
 
Checks for Clearing House__ 
 
569 57 Certified Checks ------------ --------- 
 
Other Checks and Cash Items --------- Bills Payable -------------- 22,500 00 
 
Customers' Liability on Let- 
 
Notes and Bills Rediscounted --------- 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n- -y-)-------------- - -- - - - - -5-4 -1 - -2 9- 
 
CeBrtoirfricoawteesd MoofneyDe_p_o__si_t ___f_or ________ _ Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ---------- _________ 
 
Mutual Fire Insurance Fund 
 
120 00 Reserve for Interest and Taxes --------- 
 
County Warrants ---------- 8,484 96 Other Liabilities ----------- --------- 
 
Total --------------------$166,859 18 Total --------------------$16~859 18 
 
 FIRST ANNUAL REPORT 
 
429 
 
EXAMINEB.'S B.EPOB.T. 
 
THE PLANTERS BANK, PARROTT. 
 
At Close of Business October 27, 1920. 
 
President-J. W. Tilley. Vice-President-H. A. Cook. Cashier-Mrs. Ollie B. Balch. 
 
Directors--J. W. Tilley, H. A. Cook, J. T. Thornton, J. W. Chambliss, J. H. Prichard, J. H. Lee. 
 
Date of Charter-August 2, 1912. 
 
Began Business-September 25, 1912. 
 
RESOURCES 
 
 LIABILITIES 
 
Time Loans ---------------$153,762 77 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
17,732 33 30,000 00 
 
Amt. Re,served for Branches Surplus Fund -------------- 
 
-rl~51T2i 
 
UOnt hi teerdSSt otcakt essaBn do nBdos n-d-s- -_ _- _-_-_- 
 
_1_4_,_2_5_0__00_ 
 
Undivided Profits ---------Dividends Unpaid ----------- 
 
5,195 64 --------- 
 
Banking House ------------ 4,449 59 Due to Banks in this State --------- 
 
Furniture and Fixtures ____ 3,865 60 Due to Banks in other States --------Other Real Estate Owned____ _________ Call Money ---------------- --------- 
 
Due from Banks in this State 32,102 20 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 308,223 91 
 
States ------------------- 84,152 44 Demand Certificates of Deposit --------- 
 
Currency ------------------ 2,300 00 Time Certificates of Deposit 28,284 96 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--en--n-ie-s-_-_-_-__----1-,-14-6--4-0- 
 
Savings Deposits ----------Trust Funds on Deposit____ 
 
----------------- 
 
Advances on Cotton -------- 22,124 41 Cashier's Checks ------------ 
 
458 58 
 
AdvancesonotherCommodities 12,725 72 Certified Checks ------------ --------- 
 
Checks for Clearing House__ 
 
53 16 Bills Payable --------------- --------- 
 
Other Checks and Cash Items 
 
15 68 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
O va enrcdersa f-t s- - -( i-f- -a-n-y-)- -------------- -- - -- -- -- -- -- -- -- -- -- 
 
Liability on Letters of Credit and Acceptances ---------- --------- 
 
Other Assets --------------- _________ Reserve for Interest and Taxes --------- 
 
Other Liabilities ___________ --'------- 
 
Total --------------------$378;680 30 Total --------------------$378,680 30 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$122,518 79 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ------------ 16,731 46 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Est~te United States Bonds ________ Other Stocks and Bonds____ 
 
54,690 37 14,300 00 ________ _ 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ----------- 
 
11,517 21 ----------------- 
 
Banking House ------------ 4,449 59 Due to Banks in this State --------- 
 
Furniture and Fixtures ____ 3,865 60 Due to Banks in other States --------- 
 
Due from Banks In this State 23,129 45 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 289,228 97 
 
States ------------------- 46,790 41 Demand Certificates of Deposit --------- 
 
Currency ------------------ 
 
289 00 Time Certificates of Deposit 28,013 69 
 
Gold ----------------------- _________ Savings De,posits ----------- --------- 
 
Silver, Nickels, Pennies___ _ Advances on Cotton _______ _ 
 
375 22 45,883 73 
 
Trust Funds on Deposit_ __ _ Cashier's Checks ---------- 
 
---i91-o9 
 
Advances on other Commodities 26,317 11 Checks for Clearing House__ _________ 
 
Other Checks and Cash Items 
 
222 66 
 
Certified Checks -----------Bills Payable --------------Notes and Bills Rediscounted 
 
----------------________ _ 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money _________ --------- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ _- _- _-_-_-_ _- - -- -- -- -- -- -- -- -- -- 
 
Liability on Letters of Credit and Acceptances ---------- --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes --------- 
 
TRaexnt aPnadid LOicuetns-e---_-__-_-_-_-_-_-_--_ 
 
180 05 Other Liabilities: 110 11 Interest and Discount ------ 12,241 98 
 
EInxtpeernesset P-a-i-d--O--u-t --_-_-_-__-_-_-_-_--_ 
 
2,691 12 Exchange -----------------1,880 52 Box Rent ----------------- 
 
830 50 2 75 
 
Total --------------------$367,026 19 Total --------------------$367,026 19 
 
 430 
 
BANKING DEPARTMENT 
 
EX:AMINEB'S BEPOBT. 
 
PATTERSON BANK, PATTERSON. 
 
At Close of Business August 21, 1920. 
 
President-J. M. Thomas. Vice-President-Roma Thomas. Cashier-B. C. Walker. 
 
Directors-J. M. Thomas, Roma Thomas, 0. W. Walker, J. H. O'Quinn, C. L. Davis, Ancie Byrd, J. J. Winn. 
 
Date of Charter-June 19, 1907. 
 
Began Business-1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 81,457 43 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 6,000 00 
 
United States Bonds ------- --------- Undivided Profits ---------- 1,389 09 
 
Other Stocks and Bonds___ _ Banking House ------------ 
 
--2~7oo-oo 
 
Dividends Unpaid ----------Due to Banks in this State 
 
----------------- 
 
Furniture and Fixtures_____ 1,554 50 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 32,358 05 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 69,037 77 
 
States ------------------- 2,289 29 Demand Certificates of Deposit --------Currency ------------------ --------- Time Certificates of Deposit 34,842 39 
 
Gold ----------------------- 6,324 71 Savings Deposits ----------- --------Silver, Nickels, Pennies ____ --------- Cashier's Checks------------ 563 04 
 
Advances on Cotton -------- --------- Certified Checks ------------ --------- 
 
Advances on othe;rCommodities --------- Bills Payable --------------- --------Checks for Clearing House__ --------- Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let ters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -- -- -- -- -- -- - -- - - - - -1-4-6 - -48- 
 
and Acceptances .:__________ Reserve for Interest and Taxes 
 
----------------- 
 
Other Assets -------------- 
 
1 83 Other Liabilities ----------- --------- 
 
Total --------------------$12~832 29 Total --------------------$126,832 29 
 
BANK'S S'l'ATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 70,583 68 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate 11,789 71 Surplus Fund ------------- 6,000 00 
 
OUnthiteerd SStotactkess aBnodndBson-d--s-__-_--_ Banking House ____________ 
 
--------- 
--2~7oo-oo 
 
Undivided Profits Dividends Unpaid Due to Banks in 
 
------------------this State 
 
1,392 45 
 
Furniture and Fixtures ____ 1,619 50 Due to Banks In other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State 11,951 78 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 47,098 77 
 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s--_-_-_--_ 
 
2,205 81 Demand Certificates of Deposit 1,189 00 Time Certificates of Deposit 33,384 07 
70 00 Savings Deposits ----------623 64 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------- --------- Cashier's Checltll ---------- 
 
148 18 
 
Advances on other Commodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ --------- Bills Payable --------------- 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
O va enrcdersa f-t s- - -( i-f- -a-n-y-)- - -- -- -- -- ---- - -- - - - - -2-80- - -35- 
 
Liability on Letters of Credit and Acceptances---------- 
 
Other Assets --------------- --------- Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$103,023 47 Total --------------------$103,023 47 
 
 FIRST ANNUAL REPORT 
 
431 
 
EXAMINEB'S BEPOBT. 
 
PLANTERS BANK, PAVO. 
 
At Close of Business August 11, 1920. 
 
President-J. T. Sherrod. Vice-Bresident-J. B. Williams. Cashier-C. G. Christian. 
 
Directors-J. T. Sherrod, J. B. Williams, J. Devane, J. D. Strickland, W. H. Simmons. 
 
Date of Charter-March f2. 1912. 
 
Began Business-March 25, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
DT iemmea nLd oLa nosa n -s - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
72,544 150 
 
88 00 
 
Capital Stock Paid In ------$ Amt. R,e,served for Branches 
 
15,000 00 
 
Loans Secured by Real Estate United States Bonds ________ 
 
--------1,050 00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
2,947 29 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ 5,071 45 Due to Banks in this State Furniture and Fixtures ____ 2,900 00 Due to Banks In other States 
 
Other Real Estate Owned__ --------- Call Money ---------------- 7,500 00 Due from Banks in this State 6,812 46 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--ic-k-e-l-s-, -P--e-n-n-i-e-s-_-_-__-_--_ 
 
to Check ---------------3,554 39 Demand Certificates of De- 
 
1,310 00 17 50 
 
T ipmoes i tCs e-r t-i-f -i c-a-t-e-s- -o-f- -D- -e-p-o-s-i-t 
 
771 13 Savings Deposits ----------- 
 
33,316 04 40,381 24 
 
AAddvvaanncceess oonnoCthoet..toconm-m--o-d-i-tl-e-s 
 
-_-_-_-_-_-_-_-_ -_ 
 
Cashier's Checks ----------Certified Checks ------------ 
 
Checks for Clearing House __ 1,187 94 Bills Payable --------------- 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
205 43 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
O va enrcdersa f-t s- - -( i-f- -a-n-y-)-_-_-_-_-_-_-_-_ _- - - -1-,-9 -2 3- - -8 6- 
 
Liability on Letters of Credit and Acceptances ---------- 
 
Other Assets: 
 
neserve for Interest and Taxes 
 
Depositors' Guarantee Fund_ 3,111 60 Other Liabilities: 
 
Mutual Fire Insurance Fund In Transit ------------------ 
 
120 00 Deposits ------------------- 1,221 71 46 50 
 
Total --------------------$100,571 71 Total --------------------$100,571 71 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------- 57,268 33 Capital Stock Paid In ______$ 15,000 00 Demand Loans ------------- 2,148 82 Amt. Re,served for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------United States Bonds _______ _ 1,050 00 Undivided Profits ---------- 2,058 92 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ 5,071 45 Due to Banks in this State Furniture and Fixtur.els_____ _ 2,900 00 Due to Banks in other States 6,500 00 
 
Other Real Estate Owned__ --------- Call Money ---------------- 
 
Due from Banks in this State 9,324 93 Individual Deposits Subject 
 
Due from Banks in other 
States -------------------Currency ------------------SGiollvder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s--_-_-_-_- 
 
to Check ---------------1,933 14 Demand Certificates of Deposit 3,525 00 Time Certificates of Deposit 
115 00 Savings Deposits ----------964 49 Trust Funds on Deposit_ __ _ 
 
28,308 28 32,146 46 
 
Advances on Cotton _______ _ 6,926 96 Cashier's Checks ------------ 
 
742 85 
 
Advances on other Commodities Checks for Clearing House __ 
 
--------908 39 
 
CBeirltlisfiedPaCyhaebcleks _-_-_-_-_-_-_-_-_-_-_-_- 
 
7,500 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ _- _- _-_-_-_ _- - -- -- -- -- -- -- -- -- -- 
 
Liability on Letters of Credit and Acceptances ---------- 
 
Other Assets --------------- 
 
lZO 00 Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$ 92,256 51 ~ Total --------------------$ 92,256 51 
 
 432 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
THE PEARSON BANKING COMPANY, PEARSON. 
 
At Close of Business September 21, 1920. 
 
President-H. P. Smith. Vice-President-J. 0. White. Cashier-W. J. Tyler. 
 
Directors-H. P. Smith, H. F. Sears, J. 0. White, D. J. Pearson, W. J. Tyler. 
 
Date of Charter-September 19, 1906. 
 
Began Business-October 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$201,666 71 Capital Stock Paid In ________ $30,000 00 
 
Demand Loans ------------- 64,056 68 Amt. Re,served for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 20,000 00 
 
United States Bonds -------- 12,000 00 Undivi<led Profits ---------- 2,472 40 Other Stocks and Bonds____ _________ Dividends Unpaid ----------- --------- 
 
Banking House ------------- 1,985 75 Due to Banks In this State --------- 
 
F1frniture and Fixtures______ 3',486 12 Due to Banks in other States --------- 
 
Other Real Estate Owned ____ --------- Cal! Money ---------------- --------Due from Banks in this State 19,221 77 Individual Deposits Subject 
 
Due from Banlts in 'other 
 
to Check ---------------- 171,880 33 
 
States ------------------- 
Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
1,239 12 Demand Certificates of Deposit --------2,829 00 Time Certificates of Deposit 80,559 RO 
50 00 Savings Deposits ---------- 3,728 28 517 03 Trust Funds on Deposit____ --------- 
 
Advances on Cotton -------- _________ Cashier's Checks ----------- 
 
836 05 
 
Advances on othocCommodities ________ _ Certified Checks ------------ --------- 
 
Checks for Clearing House --------- Bills Payable --------------- --------- 
 
Other Checks and Cash Items 2,547 76 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
O va enrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ _- _- _-_-_-_ _- - -- -- -- -- -- -- -- -- -- 
 
Liability on Letters of Credit and Acceptances ---------- 
 
--------- 
 
Other Assets --------------- --------- Reserve for Interest and Taxes --------Other Liabilities: 
 
Cash Long ----------------- 
 
123 08 
 
Total --------------------$309,599 94 Total --------------------$309,599 94 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$141,498 49 Capital Stock Paid In ------$ 30,000 00 
 
Demand Loans ------------ 18,350 44 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 61,003 43 Surplus Fund -------------- 20,000 00 
 
TJnited States Bonds -------Other Stocks and Bonds____ 
 
21,350 00 --------- 
 
Undivided Profits ---------Dividends Unp.ajd __________ _ 
 
5,785 69 
 
Banking House ------------ 1,985 75 Due to Banks in this State Furniture and Fixtures ____ 4,319 12 Due to Banks in other States 
 
Other Real Estate Owned __ --------- Cal! Money ---------------Due from Banks in this State 2,866 55 Individual Deposits Subject 
 
Due from Banks in other 
Sta,tes ------------------Currency ------------------SGiolvlder, -N-i-c-k-e-l-s-, -P--e-n-n-ie--s-_-__-_-_--_ 
 
to Check ----------------- 107,751 71 2,744 90 Demand Certificates of Deposit 3,153 00 Time Certificates of Deposit 78,420 60 
22 50 Savings Deposits ----------518 99 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------- _________ Cashier's Check's ----------- 1,446 17 
 
Advances on othocCommodities Checks for Clearing House__ 
 
________ _ 793 90 
 
CBeilrltsifiPedayCahbeleck_s _-_-_-_-_-_-_-_-_-__-_--_ 
 
15,000 00 
 
Other Checks and Cash Items 1,043 38 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
O va enrcdersa f-t s- - -( i-f- -a-n-y-)- - _- _- _- _- _-_-_ _- - -- -- -- -- -- -- -- -- -- 
 
Liability on Letters of Oredit and Acceptances ---------- 
 
Other Assets --------------- _________ Reserve for Depreciation on 
 
Liberty Bonds ----------- 1,152 50 
 
Other Liabilities: 
 
Cash Long ----------------- 
 
93 80 
 
Total --------------------$259,650 47 Total --------------------$25~650 47 
 
 FIRST ANNUAL REPORT 
 
433 
 
EX:AMINEB.'S B.EPOB.'l'. 
 
THE FARMERS BANK, PELHAM. 
 
At Close of Business October 22, 1~20. 
 
President-Thos. P. Hinson. Vice-President-B. U. Curry. Cashier-J. M. Hurst, Jr. 
 
Directors-Thos. P. Hinson, B. U. Curry, H. L. MciDonald, 'R. L. Goodson, T. W. Curls, J. M. Hurst, Sr., J. W. Parker, W. C. Twitty, T. A. Barrow. 
 
Date of Charter-August 25, 1902. 
 
Began Business-September 1, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$596,412 98 Capital Stock Paid In ______ $100,000 00 
 
Demand Loans ------------- 16,792 08 Amt. Re-served for Branches --------- 
 
Loans Secured by Real Estate 36,721 30 Surplus Fund -------------- 50,000 00 
 
United States Bonds _______ 9,250 00 Undivided Profits ---------- 22,200 211 
 
Other Stocks and Bonds____ _________ Dividends Unpaid ---------- 
 
35 00 
 
Banking House ____________ _________ Due to Banks in this State --------- 
 
Furniture and Fixtures ____ 
 
600 00 Due to Banks in other States --------- 
 
Other Real Estate Owned__ --------- Call Money ---------------- --------Due from Banks in this State 35,142 88 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 250,475 80 
 
States ------------------- 31,561 80 Demand Certificates of De- 
 
Currency ------------------ 13,520 00 posit --------------------- 47,640 94 
 
Gold ----------------------- 
 
452 50 Time Certificates of DeposiL ________ _ 
 
Silver, Nickels, Pennies______ 6,009 62 Savings Deposits ---------- 126,267 06 
 
Advances on Cotton -------- --------- Trust Funds on Deposit____ --------- 
 
Advances on otheo-Commodities _________ Cashier's Checks ------------ 
 
885 26 
 
Checks for Clearing House __ 
 
628 20 Certified Checks ------------ 
 
75 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
428 07 Bills Payable -------------- 160,000 00 Notes and Bills Rediscounted ________ _ 
 
ters of Credit and Accept- 
 
Certificates of Deposit for 
 
ances ------------------ ___________ Borrowed Money --------- --------- 
 
Overdrafts (if any) -------- --------- Liability on Letters of C"'edit 
 
Other Assets: 
 
and Acceptances __________ --------- 
 
Collection Acct. ------------ 10,045 66 Reserve for Interest and Taxes --------- 
 
Cash Short --------------- 
 
14 25 Other Liabilities ----------- --------- 
 
Total --------------------$757,579 34 Total --------------------$757,579 34 
 
BANK'S Wl'ATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________$514,353 86 Capital Stock Paid In ________ $100,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ________ 
Other Stocks and Bonds ____ Banking House -----------Furniture and Fixtures ____ 
Other Real Estate Owned__ Due from Banks in this State 
 
31,062 32 50,640 20 
9,250 00 
750 00 _________ 
600 00 
_ ________ 47,011 75 
 
Amt. Re.served for Branches Surplus Fund -------------Undivided Profits ---------- 
Dividends Unpaid ---------Due to Banks in this State Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
 
--------50,000 00 22,703 88 
35 00 ----------------- 
--------- 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
Gold ----------------------Silver, Nickels, Pennies ____ 
 
23,251 64 12,687 00 
477 50 5,674 42 
 
to Check ---------------- 213,177 40 Demand Certificates of De- 
posit -------------------- 44,037 88 
Time Certificates of DeposiL --------Savings Deposits ---------- 105,650 30 
 
Advances on Cotton -------- --------- Trust Funds on Deposit____ --------- 
 
Advances on other Commodities _________ Cashier's Checks ------------ 5,549 44 
 
Checks for Clearing House --~------ Certified Checks ------------ 
 
142 37 
 
Other Checks and Cash Items 
 
537 58 Bills Payable -------------- 155,000 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
Notes and Bills Rediscounted --------Oertificates of Deposit for 
 
ances ------------------ ----------- Borrowed Money --------- --------Overdrafts (if any) -------- --------- Liability on Letters of Credit 
 
Other Assets --------------- --------- and Acceptances ---------- --------Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$696,296 27 Total --------------------$696,296 27 
 
 434 
 
BANKING DEPARTMENT 
 
EXAl!IIINEB'S BEPOBT. 
 
PENDERGRASS BANKING COMPANY, PENDERGRASS. 
 
At Close of Business August 16, 1920. 
 
President-F. J. Roberts. Vice-President-W. C. Kennedy. Cashier-Guy Roberts. 
 
Directors-F. J. Roberts, W. C. Kennedy, Guy Roberts, D. E. Murphy, J. H. A. 
 
Sumners. 
 
Date of Charter-September 29, 1905. 
 
Began Business-September 29, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$135,738 77 Capital Stock Paid In ------$ 25,000 00 
--Dioo-oo Demand Loans ------------- --------- Amt. Re,served for Branches 
Loans Secured by Real Estate 5,000 00 Surplus Fund -------------United States Bonds ______ 7,100 00 Undivided Profits ---------- 5,711 43 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ 1,500 00 Due to Banks in this State Furniture and Fixtures_____ l ,800 00 Due to Banks in other States 
 
Other Real Estate Owned__ --------- Call Money ---------------Due from Banks in this State 5,972 97 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 46,454 59 
 
States ------------------Currency ------------------ 
 
3,072 87 1,886 00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
--5~989-12 
 
Gold ---------------------Silver, Nickels, Pennies______ 
 
297 50 695 20 
 
Savings Deposits ----------Cashier's Checks ----------- 
 
---627-66 
 
Advances on Cotton -------Advances on othe~rCommodities 
 
--------_________ 
 
Certified Checks -----------Bills Payable -------------- 
 
-7-6~000-00 
 
Checks for Clearing House__ 238 19 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
517 59 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- 
1Liability on Letters of Oredit 
 
ances ------------------ ----------- and Acceptances ---------- 
 
Overdrafts (if any) -------- 381 00 Reserve for Interest and .raxes 
 
Other Assets: 
 
Other Liabilities: 
 
Cash Short ---------------- 
 
10 09 Deposits ------------------- 
 
425 38 
 
Total --------------------$164,208 18 ~ Total --------------------$164,208 18 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 75,160 84 Capital Stock Paid In ------$ 25,000 00 
Demand Loans ------------- --------- Amt. Reserved for Branches Loans Secured by Real Estate 32,900 00 Surplus Fund ------------- 4,000 00 
 
United States Bonds -------- 7,100 00 Undivided Profits ---------- 5,227 90 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ----------- 
 
Banking House ------------- 1,500 00 Due to Banks in this State Furniture and Fixtures ______ 1,800 00 Due to Banks in other States 
 
Other Real Estate Owned__ --------- Call Money ---------------Due from Banks in this State 5,340 48 Individual Deposits Subject 
 
Du!'l from Banks in other 
States -----------------Currency ------------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton _______ _ Advances on other Commodities Checks for Clearing House 
 
to Check ---------------- 
 
447 38 Demand Certificates of Deposit 
 
3,480 00 Time Certificates of Deposit 
 
275 00 Savings De,posits ----------- 
 
515 27 Cashier's Checks ---------- 
 
930 08 ________ _ ________ _ 
 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted 
 
29,993 59 4, 769 12 2 00 
61,000 00 
 
Other Checks and Cash Items 
 
440 89 Ce,rtificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Oredit 
 
O vaenrcdersa f-t s- - (-i-f- -a-n-y-)- - -- -- -- -- -- -- - -- - - - - -1 0- 2- - -67- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total --------------------$129,992 61 J Total --------------------$129~992 61 
 
 FIRST ANNUAL REPORT 
 
435 
 
EXAMINER'S BEPOBT. 
 
HOUSTON BANKING COMPANY, PERRY. 
 
At_ Close of Business August 26, 1920. 
 
President-J. H. Davis. Vice-President-A. A. Smoak. Cashier-B. C. Holtzclam. 
Directors-J. H. Davis, A. A. Smoak, B. c. Holtzclam, H. M. Holtzclam, F. M. 
Houser. 
 
Date of Charter-April 14, 1905. 
 
Began Business-June 5, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 66,463 56 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ------------- --------- Surplus Fund -------------- 20,000 00 
 
Loans Secured by Real Estate --------- Undivided Profits ----------- 5,061 08 
 
United States Bonds -------- 26,800 00 Dividends Unpaid ----------Other Stocks and Bonds____ 1,087 61 Due to Banks in this State __ 
 
Banking House ------------ 3,211 68 Due to Banks in other States 
 
Furniture and Fixtures ____ 3,015 64 Call Money ---------------- 
 
Other Real Estate Owned__ --------- Individual Deposits Subject 
 
Due from Banks in this State 19,518 39 to Check ----------------- 65,911 40 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ------------------- 3,814 87 Time Certificates of Deposit 16,934 80 
 
---122-os Currency ------------------ 4,273 00 Savings Deposits ----------- 
 
Gold ----------------------- 
 
47 50 Cashier's Checks --~------ 
 
Silver, Nickels, Pennies____ 1,245 18 Certified Checks ------------ 
 
20 00 
 
Advances on Cotton________ 12,101 67 Bills Payable -------------- 10,500 00 
 
Advances on other Commodities --------- Notes and Bills Rediscounted 
 
Checks for Clearing House __ 
 
54 50 Certificates of Deposit for 
 
Other Checks and Cash Items 1,915 76 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
ances ------------------ ----------- Reserve for Interest and Taxes 
 
Overdrafts (if any) -------- --------- Other Liabilities ----------- 
 
Other Assets --------------- --------- 
 
Total --------------------$143,549 36 Total --------------------$143,549 36 
 
BANK'S S'l'ATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 48,236 44 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches Loans Secured by Real Estate 5,368 61 Surplus Fund -------------- 20,000 00 
 
United States Bonds ------ 26,800 00 Undivided Profits ---------- 4,141 47 
 
Othe'r Stocks and Bonds____ 1,087 61 Dividends Unpaid ----------- 
 
Banking House ------------- 3,211 68 Due to Banks in this State __ 
 
Furniture and Fixtures ------ 3,015 64 Due to Banks in other States 
 
Other Real Estate Owned__ --------- Call Money ---------------- 
 
Due from Banks in this State 7,573 35 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 46,435 36 
 
States ------------------- 4,263 61 Demand Certificates of Deposit 
 
Currency ------------------ 2,934 00 Time Certificates of Deposit 13,704 80 
 
Gold ----------------------Silver, Nickels, Pennies ____ 
 
87 50 Savings De,posits ----------499 13 Trust Funds on Deposit____ _ 
 
Advances on Cotton -------- 28,880 75 Cashier's Checks ------------ 
 
176 69 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- --------- Bills Payable -------------- 22,500 00 Checks :('or Clearing House --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total --------------------$131,958 32 Total --------------------$131,958 32 
 
 436 
 
BANKING DEPAllTMENT 
 
E:X:AMINEB'S BEPOBT. 
PERRY LOAN AND SAVINGS BANK, PERRY. 
At Close of Business August 24, 1920. 
President-H. L. Cater. Cashier~L. F. Cater. Directors-R. L. Cater, F. M. Houser, L. F. Cater, J. P. Duncan, H. P. Houser, 
S. G. Rogers, A. A . .Smoak. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$130,049 83 Capital Stock Paid In________$ 23,150 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 27,500 00 United States Bonds________ 28,898 00 Undivided Profits ---------- 8,287 38 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------Banking House ------------ 5,000 00 Due to Banks in this State __ Furniture and Fixtures ____ 2,500 00 Due to Banlts in other States 
 
15 00 
 
Other Real Estate Owned__ --------- Call Money ---------------Due from Banks in this State 55,805 97 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 151,725 09 
 
States ------------------- 19,285 46 Demand Certificates of Deposit 
 
Currency ------------------Gold ---------------------Silver, Nickels, Pennies ____ 
 
6,642 00 Time Certificates of Deposit 25,220 00 
 
1,367 50 Savings Deposits ---------- 15,892 55 
 
1,188 50 Treas. States of Georgia__ 
 
571 57 
 
Advances on Cotton -------- --------- Cashier's Checks ------------ 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
555 60 
 
ties ---------------------- --------- Bills Payable --------------- 
 
Cllecks for Clearing House__ 
 
734 98 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,323 37 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of CredH 
 
Ovaenrcdersaf-ts---(i-f--a-n-y-)---_-__-_-_-_-_-_- _-_-_-_-_-_-_-_-_- ReasnedrvAe cfocerpItnatnecreesst-a-n-d--T--a-x-e-s 
 
Other Assets --------------- 
 
82 12 Other Liabilities __________ _ 
 
.rota! --------------------$252,917 19 Total --------------------$252,917 19 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
'l'ime Loans ----------------$ 76,710 05 Capital Stock Paid In ------$ 23,150 00 
 
Demand Loans ------------- 
 
200 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 24,298 18 Surplus Fund -------------- 27,500 00 
 
United States Bonds _____ _ 23,898 00 Undivided Prolits ---------- 7,676 28 
 
Other Stocks and Bonds ___ _ Banking House ------------- 
 
--------- 
5,000 00 
 
Dividends Unpaid ----------Due to Banks in this State__ 
 
Furniture and Fixtures ____ 2,500 00 Due to Banks in other States 
 
Other Real Estate Owned___ _ Due from Banks in this State 
 
--------43,289 56 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other 
 
States Currency 
 
---------------------~--------------- 
 
GSiollvder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s---__-_--_ Advances on Cotton _______ _ 
 
14,003 77 6,230 00 1,352 50 X57 40 
1 7,121 00 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit__ Savings Deposits ----------Trust Funds on Deposit_ __ _ Cashier's Checks __________ _ 
 
76,581 37 
25,180 00 13,600 31 24,331 24 
1,63:I 45 
 
Advances on other CommodiC htei ecsk s- - f-o- r- - -C- -l e-a-r-i-n-g- - -H-o- u- -s e- 
 
Certified Checks -----------Bills Payable' --------------- 16,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
133 19 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
---~----- 
 
O vaenrcdersa f-t s- - -(-i f- -a-n-y-)- - -_-_-_ -_ _- _-_- -_ 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Safety Boxes -------------- 
 
58 00 Other Liabilities ----------- 
 
Other Asse,ts --------------- 
 
Total --------------------$215,651 65 Total --------------------$215,651 65 
 
 FIRST ANNUAL REPORT 
 
43'1 
 
EXAMINER'S REPORT. 
 
BANK OF PINEHURST, PINEHURST. 
 
At Close of Business October 7, 1920. 
 
Pt-esident-J. L. Lee. Vice-President-C. A. Thompson. Cashier-A. M. Wilson. 
 
Directors-J. L. Lee, C. A. Thompson, A. M. Wilson, W. E. Ford, M.. C. Peavy. 
 
:Qate of Charter-January 1, 1908. 
 
Began Business-1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$116,615 18 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------- 9,175 70 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 15 000 00 Surplus Fund -------------- 25,000 00 
 
United States Bonds ________ 1:ooo 00 Undivided Profits ----------- 8-,432 72 
 
Other Stocks and Bonds __ 
 
400 00 Dividends Unpaid ----------- 
 
Banking House ------------- 1,250 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ 2,250 00 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
625 00 Call Money ---------------- 
 
Due from Banks in this State 34,134 46 Individual Deposits Subject 
 
Due from Banks in other  
States ------------------- 19,594 75 Currency ------------------ 2,417 00 GSiollvder-, --N-i-c-k-e-ls-,--P--en--n-ie-s-_-_-_-_-_-_ 1,128104 0001 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t Time Certifica,tes of Deposit Savings Deposits ----------Trust Funds on Deposit______ 
 
70,416 12 23,038 95 
 
Advances on Cotton -------- 
 
874 88 Cashier's Checks ------------ 19,779 90 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- ________ _ Bills Payable -------------- 70,000 00 
 
Checks for Clearing House __ 2,625 11 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 13,644 47 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances ---------Overdrafts (if any) -------- 2,865 13 Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total --------------------$223,865 69 Total --------------------$223,865 69 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 69,874 58 Capital Stock Paid In ______ $ 25,000 00 
 
Demands Loans ------------- 6,717 86 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 13,994 20 Surplus Fund -------------- 25,000 00 
 
Loans Secured by Cotton ___ _ 47,663 65 Undivided Profits ----------- 6,000 00 
 
United States Bonds ______ _ --------- Dividends Unpaid ----------- 
 
Other Stocks and Bonds ___ _ 
 
400 00 Due to Banks in this State__ 
 
Banking House ___________ _ 1,250 00 Due to Banks in other States 
 
Furniture and Fixtures ____ _ 2,650 00 Call Money ---------------- 
 
Other Real Estate Owned ___ _ 
 
625 00 Individual Deposits Subject 
 
Due from Banks in this State Due from Banks in other 
 
14,650 02 Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
39,590 28 
 
States ------------------- 4,089 29 Time Certificates of Deposit 15,609 70 
 
Currency ------------------GSiollvder,--N--ic-k-e-l-s-, -P-e-n--n-ie--s-_-__-_-_--_ 
 
3,274 00 Savings Deposits ----------190 00. Trust Funds on Deposit_ ____ _ 932 46 Cashier's Checks ---------- 
 
57 00 
 
Advances on Cotton ______ _ 1,600 06 Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable --------------- 40,000 00 
 
C htei ecsk s- -f o- r- -C- -l e-a-r-i-n-g- -H- o- -u-s-e- -__- 
 
Notes and Bills Rediscounted 17,003 10 715 54 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
63 41 Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and AcceptO vaenrcdersa f t -s - -(-i f- -a-n-y- )- - ---------------- 
 
and Acceptances ---------Reserve for Interest and Taxes 1,184 59 Other Liabilities ----------- 
 
1,614 38 
 
Other Assets --------------- 
 
Total --------------------$169,874 46 Total --------------------$169,874 46 
 
.i -..'.W 
 
 438 
 
BANKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
SALZBURGER BANK, PINEORA. 
 
At Close of Business August 7, 1920. 
 
President-R. L. Elkins, Vice-President-D. H. Dixon. Cashier-J. K. Wilson. 
Directors-R. L. Elkins, F. C. Ziltrouer, D. H. Dixon, W. P. Smith, w. M. Exley, 
W. R. Fetzer, P. J. Zeigler, M. A. Massoud, J. V. Norton. 
 
Date of Charter-February 15, 1915. 
 
Began Business-February 16, 1915. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 53,006 52 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ------Other Stocks and Bonds ___ _ 
Banking House -----------Furniture. and Fixtures ___ _ Other Real Estate. Owned___ _ Due from Banks in this State 
 
18,641 24 
6,450 00 
2,950 00 1,351 00 
6,803 32 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
 
2,000 00 42 06 35 00 
 
Due from Banks in other 
States ------------------Currency ------------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P-e-n-n- -i e-s- - -_ _-_- -_ Advances on Cotton ________ Advances on other Commodi- 
 
to Check ---------------Demand Certificates of Deposit 3,209 00 Time Certificates of Deposit 30 00 Savings Deposits ----------744 55 Trust Funds on Deposit_ ____ _ 
Cashier's Checks ----------Certified Checks ------------ 
 
35,051 39 2,940 85 
27,162 49 
 
C ht ieecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- -u-s-e-_-_ 
 
Bills Payable -------------1,002 05 Notes and Bills Rediscounted 
 
4,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
Certificates of Deposit for Money ------------------- 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -(-i-f- -a-n- -y-)------------ -- -Other Assets: Cash Short ----------------- 
 
and Acceptances ---------2,016 73 Reserve for Interest and Taxes 
Other Liabilities ----------27 38 
 
Total ---------------------$9~231 79 Total ---------------------$96,231 79 
 
BANK'S STA'I.'EMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 46,772 49 Capital Stock Paid In ______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
20,415 5,942 
 
5so7 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--2~000-00 
 
United States Bonds ------ 6,818 75 Undivided Profits ---------- 
 
189 83 
 
Other Stocks and Bonds_____ 
 
200 00 Dividends Unpaid ---------- 
 
35 00 
 
Banking House ------------ 2,950 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures _____ _ 1,351 00 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 1,542 45 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ------------------ 24,214 81 
 
States ------------------ ---------Currency ------------------- 1,521 00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
--------2,940 85 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
35 00 975 16 
 
Savings Deposits ---------Trust Funds on Deposit______ 
 
27,058 29 ________ _ 
 
Advances on Cotton -------- --------- Cashier's Checks ----------- --------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ _________ 
 
ties ---------------------Checks for Clearing House Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
----------------- 
803 70 
 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Money ------------------Liability on Letters of Credit 
 
8,035 00 ----------------- 
 
ances -------------------- --------- and Acceptances ---------- --------- 
 
Overdrafts (if any)-------- 
 
145 86 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- --------- Other Liabilities ----------- --------- 
 
Total ____________________$ 89,473 78 Total --------------------$ 89,473 78 
 
 FIRST ANNUAL REPORT 
 
439 
 
EXAMJ:NEB.'S B.EPOB.'r. 
 
BANK OF PINEVIEW, PINEVIEW. 
 
At Close of Business October 14, 1920. 
 
President-J. T. Gammage. Vice-President----lli. J. Morgan. Cashier-M. M. Clements. 
 
Directors-J. T. Gammage, L. J. Morgan, W. lil. Mann, W. W. Blalock, Jas. Faircloth, W. H. Faircloth, W. C. Slade. 
 
Date of Charter~April 13, 1904. 
 
Began Business-April, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 54,781 67 Capital Stock Paid In ____ $ 15,000 00 
 
Demand Loans ------------- 37,307 83 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 60,000 00 Surplus Fund -------------- --------- 
 
--------- United States Bonds -------- 
 
Undivided Profits ---------- 19,956 97 
 
Other Stocks and Bonds ___ _ 12,000 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------ 1,000 00 Due to Banks in this State --------- 
 
Furniture and Fixtures ------ 1,000 00 Due to Banks in other States 5,998 06 Other Real Estate Owned ___ _ 2,150 00 Call Money ----------------- 70,500 00 Due from Banks in this State 3,026 12 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency ------------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton _______ _ Advances on other Commodi- 
C ht ei ecsk s- -f-o-r- -C-l-e-a-r-i n- g- - -H-o-u- -s e- _-_- 
 
to Check ---------------- 35,967 29 Demand Certificates of Deposit --------Time Certificates of Deposit 24,997 13 
 
313 44 18,421 60 
1,044 14 
 
Savings Deposits ----------Trust Funds on Deposit______ 
Cashier's Checks ---------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted 
 
----------------- 
1,509 78 475 00 
22,500 00 --------- 
 
Othe'r Checks and Cash Items 1,760 96 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
LiMaboinlietyy o-n--L--e-tt-e-r-s--o-f--C-r-e-d-i-t --------- 
 
O vaenrcdersa f-t s- - -( I-f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
and Acceptances ---------- --------353 96 Reserve for Interest and Taxes --------- 
 
Other Assets -------------- 3,584 51 Other Liabilities ----------- --------- 
 
Total --------------------$196,904 23 Total --------------------$19~904 23 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$134,602 20 Capital Stock Paid In ------$ 15",000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ------- 
 
--------________ _ 
 
Surplus Fund -------------Undivided Profits ---------- 
 
21,000 00 
 
Other Stocks and Bonds ---- 12,000 00 Dividends Unpaid ---------- 
 
Banking House ------------- 1,000 00 Due to Banks i:n this State 
 
Furniture and Fixtures ____ 1,000 00 Due to Banks in other States 60,000 00 
 
Other Real Estate Owned____ 2,150 00 Call Money ----------------- 
 
Due from Banks in this State 3,866 89 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 
 
States ------------------Currency ------------------- 
 
2,254 52 Demand Certificates of Deposit 1,500 00 Time Certificates of Deposit 
 
GSiollvder-, --N-i-c-k-e-l-s-, --P-e-n-n-i-e-s---_-_-_ _ ----9-3--5-4- 
 
Savings Deposits ----------Trust Funds on Deposit______ 
 
30,094 72 7,000 00 
10,653 68 
 
Advances on Cotton -------Advances on other Commodi- 
 
C 
 
ties heck 
 
s 
 
- 
 
-fo 
 
r 
 
- 
 
--------Clearing 
 
- 
 
--Ho 
 
u7 -s 
 
- 
e 
 
Other Checks and Cash Items 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
9,384 54 
--------- 
----------------- 
 
Cashier's Checks ----------Certified Checks -----------Bills Payable --------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
 
1,107 36 26,000 00 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- ------- -- -- -- -- -- 
 
-- -- -- -- -- -- -- -- -- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- 10,014 84 Other Liabilities ------------ 
 
7,010 76 
 
Total --------------------$177,866 52 Total --------------------$177,866 52 
 
 r 
i 
440 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'X'. 
 
PITTS BANKING COMPANY, PITTS. 
 
At Close of Business September 23, 1920. 
 
President-L. 0. Benton. Vice-President-Jas. M. King. Cashier-A. C. Shell. 
 
Directors-L. 0. Benton, L. C. Tetsbaw, Jas. M. King, D. M. King, W. T. Chap- 
 
lllltn, A. C. Shell. 
 
Date of Charter-June 2, 1906. 
 
Began Business-June, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 44,882 41 
 
Demand Loans ---------------- 9,928 45 Loans Secured by Real Estate 50,000 00 
 
United States Bonds-----------Other Stocks and Bonds ___ _ 3,000 00 
 
BFuarnnkiitnugreHaonudseFi-x--tu--re--s--_-_-__-_-_-_--_ Other Real Estate Owned ___ _ 
 
450 00 900 00 725 00 
 
Due from Banks in this State __ 35,611 10 
 
Due from Banks in other States 1,816 25 
Currency ---------------------- 4,395 or 
 
GSiollvder-, -N--i-c-k-e-l-s-, -P--e-n-n-i-e-s--_-_-_-_-_-_-_- 
 
90 00 663 52 
 
Advances on Cotton ---------- 16,112 97 
 
Advances on otheT Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items_ 
 
9 00 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) ---------- 458 83 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------Undivided Profits ______________ 
 
7,500 00 15,114 32 
 
Dividends Unpaid ------------- --------Due to Banks in this State -- --------Due to Banks in other States__ --------- 
 
Call Money -------------------Individual Deposits Subject to 
Check --~-------------------Demand Certificates of Deposit Time Certificates of Deposits -- 
 
--------68,204 18 ---------16,501 16 
 
Savings Deposits -------------- --------Trust Funds on Deposit ------ --------Cashier's Checks -------------- 1,710 08 Certified Checks ________ ------- --------- 
 
Bills Payable ------------------ 35,000 00 Notes and Bills Rediscounted _ --------Certificates of Deposit for Bor- 
 
rowed MoneY ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 
 
12 79 
 
Total __________________:.. _____ $169,042 531 Total ------------------------$169,042 53 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 86,63fi 66 
 
Demand Loans ---------------- 9,78'2 00 Loans Secured by Real Estate 
 
Other Stocks and Bonds_____ _ 3,000 00 
 
BFuarnnkiitnugreHaonudseFi-x--tu--re--s--_-_-__-_-_-_--_ Other Real Estate Owned _____ _ Due from Banks in this State 
 
4.l)(J 00 
900 00 725 00 4.648 4f' 
 
Due from Banks in other States 6.0'60 57 
 
Cu11rency ---------------------- 2,908 00 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ Advances on Cotton __________ _ 
 
80 00 876 09 2,914 3.5 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items__ Customers' Liability on Letters 
 
54 00 
 
of Credit and AcceptanCflS __ 
 
Overdrafts (if any) ------------ 
 
2D 41 
 
Other Assets ------------------ 
 
Capital Stock Paid In __________ $ 25,000 00 
Amount Reserved for Branches --------Surplus Fund ------------------ 7,500 00 Undivided Profits ------------ 13,888 26 Dividends Unpaid ------------- --------Due to Banks in this State __ --------Due to Banks in other States__ --------Call Money -------------------- --------Ind-ividual Deposits Subject to 
Check: ---------------------- 25,259 26 Demand Certificates of Deposit --------Time Certificates of Deposit__ 9,538 66 Savings Deposits -------------- --------Trust Funds on Deposit ______ --------- 
Cashier's Checks -------------- 373 35 Certified Checks --------------- --------Bills Payable ------------------ 37,500 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
rowed MoneY ---------------- --------Liability on Letters of Credit 
and Accept1ances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$119,059 3 Total ------------------------$119,059 53 
 
 FIRST ANNUAL REPORT 
 
441 
 
EXAMINER'S REPOR'l'. 
 
PLAINS .BANK, PLAINS. 
 
At Close of Business July 12, 1920. 
 
President-R. S. Oliver. Vice-President-J. A. MciT:>onald. Cashier-W. L. Thomas. 
 
Directors-R. S. Oliver, J. A. McDonald, \V. L. Thomas, T. M. Merritt, B. T. Wise, 
 
L. P. Wise, J. R. Logan. 
 
Date of Charter-February 15, 1902. 
 
Began Business-January 22, 1902. 
 
RESOURCES 
 
LIAB~LITIES 
 
Time Loans -------------------$256,566 73 Capital Stock Paid in --------$ 50,000 00 
 
Demand Loans ---------------- 17,576 37 Amount Reserved for Branches Loans Secured on Real Estate 205 001J 00 Surplus Fund ------------------ 10,00{) 00 
 
United States Bonds ---------- 39;227 63 Undivided Profits -------------- 51,621 45 
 
Other Stocks and Bonds______ --------- Dividends Unpaid ------------- 
 
Banking House ---------------- 5, 715 86 Due to Banks in this State __ 
 
Furniture and Fixtures ______ 
 
1 00 Due to Banks in other States __ 
 
Other Real Estate Owned ____ 1,445 62 Call Money -------------------Due from Banks in this State 30,683 50 Individual Deposits 8-ubject to 
 
Due f.rom Banks in other States 
Currency ---------------------GSiolvlder,---N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_-_Advances on Cotton __________ 
 
23,536 19 
6,'f46 00 190 00 
1,376 10 --------- 
 
Check ----------------------- 234,228 18 Demand Certificates of Deposit Time Certificates of Deposit __ 154,692 58 Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
Advances on other Commodities ________ _ Cashier's Checks -------------- 
 
Checks for Clearing House ____ 
 
73 57 Certified Checks --------------- 
 
Other Checks and Cash Items__ 2,224 87 Bills Payable ------------------ 90,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted __ 
 
of Credit and Acceptances __ --------- Certificates of Deposit for Bo.r- 
 
O'verdrafts (if any) ------------ 442 69 rowed Mo.ney ---------------- 
 
Othe:r Assets: 
 
Liability on Letters of Credit 
 
Revenue Stamps -------------Cash Short -------------------- 
 
5 00 and Accept:ances -----------31 08 Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$590,542 21 Total ------------------------$590,542 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIAB]LITIES 
 
Time Loans ------------------$368,433 87 
 
Demand Loans ------------- 4,224 55 Loans Secured by Real Estate ________ _ 
 
Ull!ited States Bonds__________ 27,358 9o 
 
Other Stocks and Bonds______ --------- 
 
Banking House and Furniture 
 
and Fixtures: ---------------- 5,979 36 
 
Other Real Estate Owned ___ _ 1,445 62 
 
Due from Banks in this State 44,171 75 
 
Due from Banks in other States 13,779 03 
 
Currency ---------------------- 4,505 00 
 
Gold --------------------------Silver, Nickels, Pennies _______ _ 
 
197 50 733 50 
 
Advances on Cotton ---------- 249 42 
 
Advances on other Commodities 1,621 14 Checks for Clearing House ___ _ 607 30 
 
Other Checks and Cash Items --------- 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ --------- 
 
Overdrafts (if any) ------------ 427 85 
 
Other Assets: 
 
Stock in Federal Reserve Bank 1,800 00 
 
Loans on Cotton -------------- 82,860 09 
 
Capital Stock Paid in --------$ 50,000 00 Amount Reserved for Branches 
 
Slllrplus Fund -----------------Undivided Profits -------------Dividends Unpaid ------------Due to Banks in this State __ Due to Banks in other States__ 
 
35,000 00 19,804 01 
7,483 09 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 150,389 84 Demand Certificates of Deposit Time Certificates of Deposit __ 141,717 99 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 
 
Certified Checks --------------Bills Payable ------------------ 154,000 00 Notes and Bills RediscountecL_ Certificates of Deposit for Bo.r- 
 
rowed Money ---------------Liability on Letters of Credit 
and Accep!Jances ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$558,39~ 93 Total ------------------------$558,394 9~l 
 
 442 
 
BANKING DEPARTME~T 
 
EXAMINEE'S BEPOBT. 
 
THE BANK OF PLAINVILLE, PLAINVILLE. 
 
At Close of Business November 22, 1920. 
 
President-L. P. Henley. Vice-Presidents-W. B. Floyd, C. W. Martin. 
 
Directors-L. 
 
P. 
 
Henley, 
 
L. 
 
L.CFalsohyide,r-wC.. 
 
R. B. 
 
Clonts. Floyd, W. 
 
E. 
 
Dollinger, 
 
M. 
 
H. 
 
Ham- 
 
mond, C. W. Martin, W. E. Watters. 
 
Date of Charter-August 21, 1912. 
 
Began Business-September 1, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
~~~a~oa:E~;:;~--===============$ 
 
86,069 6,473 
 
51 30 
 
Loans Secured by Real Estate 
 
United States Bonds ___________ _ 
 
Other Stocks and Bonds _____ _ 
 
Banking House ---------------Furniture and Fixtures _______ _ Other Real Estate Owned ___ _ 
 
2,103 53 1,961 70 
 
Due from Banks in this and 
 
other States ---------------Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_--_ Advances on Cotton _________ _ 
 
6,324 45 5,362 00 
&7 5( 
316 96 
 
Advances on othei!" Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 1,350 48 Customers' Liability on Letters 
of Credit and Acceptances __ 
 
Overdrafts (if any) -----------Othe,r Assets: Depositors' Guarantee Fund __ ! Mutual Fire Insurance Fund __ 
 
391 51 
3,096 95 120 00 
 
Capital Stock Paid in ----------$ 15,000 00 Amount Reserved for Branches 
Surplus Fund -----------------Undivided Profits -------------Dividends Unpaid ------------Due to Blanks in this State __ 
-2-6.5oo-o-o Due to Banks in other States__ 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 19,887 81 Demand Certificates of Deposit Time Certificates of Deposit -- 31,&39 39 Savings Deposits -------------Trust Funds on Deposit -----Cashier's Checks -------------Certified Checks --------------Bills Payable ------------------ 15,500 00 Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------- 2,000 00 Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
Total ------------------------$113,657 8~ Total ------------------------$113,657 8~ 
 
BANK'S STATE:\iENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$ 84,324 45 
 
Demand Loans ---------------- 4,218 52 
 
Loans Secured by Real Estate United States Bonds ___________ _ 
 
2,500 00 
 
Other Stocks and Bonds _____ _ 
 
Banking House ---------------- 2,103 53 
 
Furniture and Fixtures 
 
1,961 70 
 
Other Real Estate Owned 
 
Due from Banks iu this State Due from Banks in other States 
Cu11rency ---------------------GSiollvder,--N--i-c-k-e-l-s-, --P-e-n-n--ie-s--_-__-_-_-_-_-_- 
 
3,909 35 645 43 
2,&51 00 
87 50 274 35 
 
Advances on Cotton ---------Advances on other Commodities 
 
Checks for Clearing House 
 
Other Checks and Cash Itelllil 1,416 61 Customers' Liability on Lette.rs 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) ------------ 445 87 
 
Other Assets: 
 
Depositors' Guarantee Fund 3,096 95 
 
Mutual Fire Fund ------------ 120 00 
 
Capital Stock Paid in ----------$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided Profits ------------ 2,210 33 
 
Dividends Unpa;id ------------Due to Banks in this State 
 
Due to Banks in other States__ 
 
Call Money -------------------- 24,500 00 Individual Deposits Subject to 
 
DCemheacnkd -C--e-r-ti-f-i-c-a-t-e-s--o-f--D-e--p-o-s-i-t 
 
26,063 97 2,000 00 
 
Time Cert!ifioates of Deposit -- 23,557 64 
 
Savings Deposits -------------- 
 
Trust Funds on Deposit -----Cashier's Checks -------------- 
 
123 32 
 
Certified Checks --------------Bills Payable ------------------ 14,500 00 Notes and Bills Rediscounted-- 
 
Certificates of Deposit for Bo.r- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$107,955 26 Total ------------------------$107,955 26 
 
 FIRST ANNUAL REPORT 
 
443 
 
EXAMINER'S BEPOBT. 
 
BANK OF PORTAL, PORTAL. 
 
At Close of Business July 29, 1920. 
 
President-A. A. Turner. Vice-President-J. C. Parrish. Cashier-W. J. Davis. 
 
Directors-A. A. Turner, J. C. Pa.rrish, z. T. DeLoa.ch, A. J. Bowen, W. J. Preto- 
 
rius, F. 0. \'lynne, W. S. French. 
 
Date of Charter-May 21, 1910. 
 
Began Business-July 30, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$113,473 23 
 
Demand Loans ---------------- 1,708 34 Loans Secured by Real Estate 2 611 61! United States Bonds __________ 7;395 00 
 
Other Stocks and Bonds ______ 3,02.5 00 
 
Banking House ---------------- 3,500 00 Furniture and Fixtures -------- 2,829 09 Other Real Estate. Owned ____ -------- 
 
Due from Banks in this State__ 10,613 20 
 
Due from Banks in other States 574 78 
 
Currency ---------------------- 1,598 00 Gold --------------------------- ________ _ Silver, Nickels, Pennies ______ 523 54 
 
Advances on Cotton __________ --------- 
 
Advances on other Commodities ________ _ 
 
Checks for Clearing House ____ 
 
4 12 
 
Other Checks and Cash Items 
 
76 91 
 
Customers' Liability on Lette.rs of Credit and Acceptances __ ________ _ 
 
Overdrafts (if any) -----------Other Assets: 
 
260 51 
 
Over and Short Accounts ------ 198 04 
 
Capital Stock Paid in ----------$ 15,000 00 
Amount Rese.rved for Branches 
 
Surplus Fund -----------------Undivided Profits -------------- 14,933 93 
 
Dividends Unpaid ------------Due to Banks in this .State __ 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject tc. 
 
DeCmhaecnkd C--e-r-ti-f-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 80,012 47 
 
Time Ce:rtificates of Deposit -- 23,186 93 
 
Savings Deposits -------------Cashier's Checks -------------- 
 
25& 06 
 
Certified Che-eks --------------- 
 
Bills Payable -----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------L.iability on L-etters of Credit 
 
and Acccptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$148,391 39 Total ------------------------$148,391 39 BANK'S STATEMENT at Close of Business Decembe.r 15, 1920. 
 
RESOURCES 
 
LIABII,ITIES 
 
Time Loans ------------------$117,722 95 Demand Loans ---------------- --------Loans Secured by Real Estate --------United States Bonds ---------- 7,395 00 Other Stocks and Bonds ______ 3,02"5 00 
Banking House ---------------- 3,500 00 Furniture and Fixtures -------- 2,8-29 09 Other Real Estate Owned ____ _________ 
Due from Banks in this State 2,013 23 Due from Banks in other States 5,793 51 
Currency ---------------------- 1,139 00 Gold --------------------------- --------Silver, Nickels, Pennies________ 401 14 
Advances on Cotton ---------- --------Advances on othe.r Commodities ________ _ 
Checks for Clearing House ____ --------Other Checks and Cash Items 349 17 Customers' Liability on Letters 
of Credit and Acceptances __ --------Overdrafts (if any) ------------ 264 66 Other Assets ------------------ --------- 
 
Capital Stock Paid in ----------$ 15,000 00 Amount Reserved for Branches 
Surplus Fund -----------------Undivided Profits -------------- 14,409 71 Dividends Unpaid ------------Due to Banks in this State __ Due to Banks in other States__ 
Call Money -------------------Indlividual Deposits Subject to 
Check ----------------------- 50,487 37 Demand Certificates of Deposit Time Certificates of Deposit _ 37,m 20 Savings Deposits -------------Trust Funds on Deposit -----Cashier's Checks -------------- 363 47 Certified Checks --------------Bills Payable ------------------ 26,950 00 Notes and Bills Red-iscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities -------------- 
 
Total -------------~----------$144,4:!2 7.5 Total ------------------------$144.~3-2 7fi 
 
 444 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.'l'. 
 
BANK OF POULON, POULON. 
 
At Close of Business August 14, 1920. 
 
President-L. S. Thompson (Deceased). Vice-President-F. M. Kimble. Cashier-H. L. Gary. 
 
Directors-L. S. Thompson (Deceased), F. M. Kimble, W. I. Willis, H. L. Gary, D. F. Summer, J. B. Collier, L. J. McPhane, Neal McPhane. 
 
Date of Charter-July 22, 1903. 
 
Began Business-July 25, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 88,970 4R 
 
Demand Loans ---------------- 
 
71 00 
 
Loans Secured by Real Estate 
 
United States Bonds _________ _ 2,700 00 
 
Other Stocks and Bonds _____ _ 455 00 
 
Banking House _______________ _ 2,50ll 00 
 
Furniture and Fixtures _______ _ 2,969 52 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver Nickels, Pennies _______ _ Advances on Cotton _________ _ 
 
4,026 34 
 
7,904 05 
 
3,263 00 
 
5 232 
 
0n 0 
 
Advances on other Commodities Checks for Clearing House ___ _ 
Other Checks and Cash Items Customers' Liability on LC'tters 
of Credit and Acceptances __ Overdrafts (if any) ___________ _ 
 
913 00 
 
Other Assets ------------------ 
 
Capital Stock Paid in ----------$ 15,000 00 
 
A mount Reserved for Branches 
 
Surplus Fund ------------------ 4,000 00 
 
Undivided Profits -------------Dividends Unpaid ____________ _ 
 
627 21 
 
Due to Banks in this State -Due to Banks in other States __ 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit __ 
 
50,988 90 27,96& 52 
 
Savings Deposits -------------Cashier's Checks -------------- 
 
145. 94 
 
Certified Checks --------------Bills Payable ------------------ 
 
-i5~ooo-oo 
 
Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and 'l'axes 
 
Other Liabilities: Deposits ----------------------Cash Long -------------------- 
 
320 32 9 48 
 
Total ------------------------$114,060 37 Total ------------------------$114,060 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LTABlLITIES 
 
Time Loans ------------------$ 65,832 70 
 
Demand Loans ---------------Loans Secured by Real Estate 10,016 53 United States Bonds _________ _ 2,700 00 Other Stocks and Bonds _____ _ 455 00 
 
Banking House ---------------- 2,500 00 Furniture and Fixtures _____ _ 2,969 52 Other Real Estate Owned ___ _ 
 
Due from Banks in this State__ 3 0115 0" 
 
Due from Banks in other States 1.851 74 
 
Curre-ncy ---------------------- 2,019 00 
 
Gold --------------------------Silver, Nickels. Pennies _____ _ Advances on Cotton _________ _ 
 
20 00 228 40 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) ------------ 
 
Other Assets ------------------ 
 
Capital Stock Paid in ----------$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund ------------------ 
Undivided Profits -----------Dividends Unpaid ------------Due to Blanks in this State __ Due to Banks in other States __ 
 
4,000 00 328 34 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 25,703 24 Demand Certificates of Deposit Time Certificates of Deposit __ 22,835 49 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
Cashier's Checks -------------- 1,:r:ro 86 
 
CBeilrltsifPieadyaCbhleeck_s__-_-_-_-_-__-_-_-_-_-_-_-_-_--_ 22,500 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------RPserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 91,597 93 Total ------------------------$ 91,597 93 
 
 FIRST ANNUAL REPORT 
 
445 
 
EXAMINEB.'S B.EPOB.T. 
 
BANK OF POWDER SPRINGS, POWDER SPRINGS. 
 
At Close of Business August 26, 1920. 
 
President-W. E. Butuer. Vice-Presidents~S. E. Smith, J. B. Oglesby. Cashier-W. C. Leake. 
 
Directors-W. E. Butuer, S. E. Smith, J. B. Oglesby, W. C. Lea,ke, M. ,J. Florence, C. M. McTyre, A. J. Stewart. 
 
Date of Charter-January 3, 1905. 
 
Began Business-January 23, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$290,337 33 Demand Loans ---------------- ________ _ 
 
Lo~ns Secured by Real Estate 104,725 10 Umted States Bonds __________ 33,450 00 Other Stocks and Bonds______ ________ _ 
 
Banking House ---------------- 1,400 00 Furniture and Fixtures ______ 2,000 Oll Other Real Estate Owned ____ ________ _ 
 
Due f,rom Banks in this State 1,9g& 91 Due from Banks in other States 6,852 51 
 
Currency ---------------------- 5,928 00 
 
Gold --------------------------- 
 
45 00 
 
Sliver, Nickels, Pennies _______ _ 332 56 
 
Advances on Cotton __________ --------- 
 
Advances on other Commodities ________ _ 
 
Checks for Clearing House ____ ________ _ 
 
O'ther Checks and Cash Items 1,4"68 92 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ _ 
 
Overdrafts (if any) ------------ 191 52 
 
Other Assets ------------------ 3,530 45 
 
Capital Stock Paid In__________ $ 25,000 00 
Amount Reserved for Branches --------Surplus Fund ------------------ 12,500 00 Undivided Profits -------------- 776 37 Dividends Unpaid _____________ --------Due to B~nks in this State __ --------Due to Banks in other States__ --------Call Money -------------------- 71,000 00 Individual Deposits Subject to 
Check ----------------------- 63,6'71 62 Demand Certificates of Deposit --------Time Certificates of DeposiL_ 130,554 60 Savings Deposits -------------- 1,543 75 Cashier's Checks -------------- 158 86 Certified Checks --------------- --------Bills Payable ------------------ 30,000 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve forr Inter.est and Taxes --------Other Liabilities -------------- 12,300 00 
 
Total ------------------------$347,505 20 Total __________________.______ $347,505 20 
 
BANK'S STATEMENT at Close of Business December 15, 1920 
 
RESO'URCES 
 
Lll\Bl'LITIES 
 
'J'ime Loans --------------------$262,005 03 
 
Demand Loans ---------------- 6,351 4"6 Loans Secured by Real Est-ate ________ _ United States Bonds____________ ________ _ 
 
Other Stocks and Bonds ______ 5,805 00 
 
Banking House ---------------- 1.400 00 
 
Furnliture and Fixtures -------- 2,000 00 
 
Other Real Estate Owned ____ --------- 
 
Due from Banks in this ~tate __ 8,093 34 
 
Due from Banks in other States 6,114 97 
 
Currency ---------------------- 1,923 OD 
 
Gold --------------------------- 
 
30 00 
 
Silver, Nickels, Pennies _______ _ 294 12 
 
Advances on Cotton _________ _ 830 28 
 
Advances on other Commodities ________ _ 
 
Checks for Clearing House____ ________ _ 
 
Other Checks and Cash Items 608 78 
 
Customers' Liability on Letters of Credit and Acceptances __ ________ _ 
 
Overdrafts (if any) ___________ _ Other Assets: 
 
373 80 
 
Profit and Loss ---------------- 4,159 07 
 
Capital Stock Paid In __________$ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 12,500 00 
 
Undivided P.rofits -------------- -------- 
 
Dividends Unpaid ------------- --------- 
 
Due to Banks in this State __ --------- 
 
Due to Banks in other States__ Call Money -------------------- 
 
--4~000-00 
 
Individual Deposits Subject to 
 
Check ------------------------ 46,671 42 Demand Certificates of Deposit --------Time Certificates of Deposit __ 91,228 74 
 
Savings Deposits -------------- 3, 762 52 
 
Trust Funds on Deposit _____ _ Cashier's Checks -------------- 
 
---~8-17 
 
Certified Checks -------------- --------Bills Payable ------------------ 64,500 00 Notes and Bills Rediscounted__ 39,348 00 Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Accept:ances ------------ --------Reserve for Interest and Taxes ________ _ 
 
Other Liabilities: 
 
Bond Certificates -------------- 12,150 00 
 
Total ------------------------$299,n88 85 Total ------------------------$299,988 85 
 
 446 
 
BANKING DEPARTMENT 
 
BXAMINBB'S BBPOB.T. 
 
BANK OF PRESTON, PRESTON. 
 
At Close of Business-July 12, 1920. 
 
President-C. C. Lunsford. wee-President--C. C. Tracy. Cashie;r-W. E. Bulloch. Directors-J. F. Lunsford, C. C. Tracy, W. E. Bulloch, W. H. Clark, W. W. Cole, 
 
W. W. Fussell. 
 
Date of Charter-October, 1906. 
 
Began Business-October, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 46,217 29 
 
Demand Loans ---------------- 1,91J:j, 57 
 
Loans Secured by Real Esrate United States Bonds ___________ _ 
 
4,20"0 00 
 
Other Stocks and Bonds _____ _ 
 
Banking House ---------------Furniture and Fixtures _____ _ Other Real Estate Owned _____ _ 
Due from Banks in this State __ Due rom Banks in other States 
 
2,440 5ll 2,442 61 3,466 51 4,lf.IO 84 4,751 63 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-__-_--_ Advances on Cotton ___________ _ 
 
1,194 00 60 00 
676 00 
 
Advances on other Commodities Checks for Clearing House___ _ 
 
Other Checks and Cash Items Customers' Liabil'ity on Letters 
of Credit and Acceptances __ 
 
Overdrafts (if any) ---------- 
 
Other Assets ------------------ 
 
Capital Stock Paid in ----------$ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided Profits -------------Dividends Unpaid ------------Due to Banks in this State __ 
 
Due to Banks in other States Call Money -------------------Individual iDeposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ 
 
5,000 00 32,483 74 27,9"34 52 
 
Savings Deposits -------------Trust Funds on Deposit -----Cashier's Checks -------------- 
 
151 92 
 
Certified Checks -------------Bills' Payable ----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total --------------------$ 81,326 50 Total ------------------------$ 81,3'26 50 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESO'URCE"l 
 
LIABILITIES 
 
TDiemmeanLdoanLsoa-n--s--_-_-_-_-_-_-_-_-_-_--_-_-_-_$ 
 
48,823" 4,572 
 
53 3o 
 
Loans Secured by Real Estate United States Bonds ___________ _ 
 
4,611 17 
 
Other Stocks and Bonds _____ _ 
 
Banking House --------------- 2,4'10 50 Furniture and Fixtures _____ _ 2.442 6'1 Other Real Estate Owned ___ _ 2, 966' 51 
 
Due f,rom Banks in this State __ 2.380 47 
 
Due from Banks in other States 2,960 07 
 
Currency ---------------------GSiolvlder,---N-i-c-k-e-l-s-.--P--e-n-n-i-e-s---__-_-_-_--_ Advances on Cotton _________ _ 
 
4,0"80 00 80 00 
647 fi4 7,508 73 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 
 
Customers' Liability on Lette.rs 
 
of Credit and Acceptances __ 
 
Ove~rdrafts (if any) ------------ 
 
10 70 
 
Other Assets: 
 
 
 
Depositors' Guarantee Fund __ 2,863 95 Mutual Fire Fund ___________ _ 120 00 
 
County Warrants -------------- 10,276 61 
 
Capital Stock Paid in ----------$ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided p,rofits -------------Dividends Unpaid ---- .. -- ___ _ 
 
287 11 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money -------------------- 14,000 00 Individual Deposits Subject to 
 
DCemheacnkd -C--e-r-ti-f-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
22,008 73 5,000 00 
 
Time Certificates of Deposit__ 27,121 19 
 
S'!a'rvuisntgFs uDndepsoosnitsDe--p-o-s-i-t_--_-__-_-_-_--_ 
 
Cashier's Checks -------------- 867 71 
 
Certified Checks -------------Bills Payable ------------------ 12,500 00 
 
Notes and Bills Rediscounted 
 
Ce1rtificates of Deposit for Bor- 
 
rowed MoneY ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
.rota! ------------------------$ 96,781 74 Total ------------------------$ 96,784 'Z4 
 
 FIRST ANNUAL REPORT 
 
447 
 
EXAMJ:NEB'S BEPOB.':l'. 
 
FARMERS BANK, PULASKI. 
 
At Close of Business July 22, 1920. 
 
President-L. 0. Benton. Vlce-Presldents-J. s. Brannen, L. H. Kingery. 
 
Cashier-J. A. Gardner. 
 
Di.rectors-L. 
 
0. Benton, J. ner, J. G. 
 
S. Br 
 
Branne annen, 
 
nv,V.L. 
 
H. D. 
 
Kingery, Hall, J. 
 
J. Z. 
 
A. Br:anner, Patrick. 
 
J. 
 
A. 
 
Gard- 
 
Date of Charter-March 3, 1912. 
 
Began Business-March 8, 1912. 
 
RESOURC.i~S 
 
LIABILITIES 
 
Time Loans ------------------$ 66,328 31 
Demand Loans ---------------- 1,198 50 ULoniatnesd SSetactuersedBobnydsR__e_a_l__E__s_ta__te_ 4,382 50 
 
Other Stocks and Bonds _____ _ -5~ooioo 
 
Banking House ---------------- 1,450 00 Furniture and Fixtures ------ 450 00 Other Real Estate Owned ___ _ 
 
Due from Banks in this State Due from Banks in other States Currency ------~--------------- 
 
3,552 13 5,323 13 1,2154 0{ 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_--_ Advances on Cotton ___________ _ 
 
149 17 
 
Advances on other Commodities Checks for Clearing House___ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ 
 
69 80 
 
Overdrafts (if any) -----------Other Assets: 
 
Cash Short -------------------Collections -------------------- 
 
3 00 225 00 
 
Capital Stock Paid in __________ $ 15,000 00 Amount Reserved for Branches 
Surplus Fund -----------------Undivided Profits -------------- 11,333 96 Dividends Unpaid -----------Due to Banks in this State __ Due to Banks in other States 
Call Money -------------------Individual Deposits Subject to 
Check ------------------------ 34,125 62 Demand Certificates of Deposit Time Certificates of Deposit__ 28,656 99 Savings Deposits -------------Trust Funds on Deposit_______ _ 
Cashier's Checks -------------- 273 65 Ce.rtified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
Total ------------------------$ 89,39~ 22 Total ------------------------$ 89,39U 22 
 
BANK'S STATEMENT at Close of Business Deeember 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 56,471 60 
Demand Loans ---------------- 1,n93 2s Loans Secured by Real Estate 9,1Dl 32 United States Bonds ___________ _ Other Stocks and Bonds ------ -5~oo5oo Banking House ---------------- 1,45\l 00 FurnitUJre and Fixtures _____ _ 1,098 27 Other Real Estate Owned ___ _ 
 
Due from Banks in this State__ 956 22 Due from Banks In other States 573 40 
 
Currency ---------------------- 1,265 00 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-__-_--_ 
 
20 00 206 96 
 
Advances on Cotton ---------Advances On other Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 
 
Customers' Liability on Letters of Credit and Acceptances__ 
 
Overdrafts (if any) ------------ 
 
Other Assets ------------------ 
 
Capital Stock Paid in ----------$ 15,000 00 Amount Reserved for Branches Surplus Fund -----------------Undivided Profits ------------ 11,422 20 Dividends Unpaid ------------Due to Banks in this State __ Due to Banks in other States__ 
Call Money -------------------Individual Deposits .Subject to 
Check ----------------------- 16,40'7 31 Demand Certificates of Deposit Time Certificates of Deposit __ 19,320 36 Savings Deposits -------------Trust Funds on Deposit _____ _ Cashier's Checks -------------- 641 18 Certified Checks --------------Bills Payable ----------------- 15,000 00 Notes and Bills Rediscounted __ Ce.rtificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and 'l'axes Other Liabilities -------------- 
 
Total ------------------------$ 77,791 05 Total ------------------------$ 77,791 05 
 
 <48 
 
BANKING DEPARTMENT 
 
E:X:AMl:NEB'S BEPOBT. 
 
BANK OF QUITMAN, QUITMAN. 
 
At Close of Business September 8, 1920. 
 
President-S. S. Rountree. Vice-President-H. W. Stubbs. Cashier-H. W. Stubbs. 
 
Directors-S. S. Rountree, J. D. Wilson, E. J. Young, C. M. Powers, E. L. Jelks, Denmark Groover, S. M. Turner. 
 
Date of Charter-December 26, 1888. 
 
Began Business-December 31, 1888. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$857,758 18 Capital. Stock Paid In _________ $165;ouu oo 
 
Demand Loans ---------------- 62,245 03 Amount Reserved for Branches --------- 
 
Loans Secured by Real I<Jstate --------- Surplus Fund ------------------ 100,000 00 
 
United States Bonds__________ 22,525 03 Undivided Profits ------------- 27,352" 99 
 
Other Stocks and Bonds______ 45,360 00 Dividends Unpaid ______ 
 
27 00 
 
Banking House ---------------- 16,543 54 Due to Banks in this State __ 3,932 51 Furniture and Fixtures ________ 6,411 00 Due to Banks in other States__ --------- 
 
Other Real Estate awned ____ --------- Call Money -------------------- --------Due from Banks in this State__ 52,5Uli 40 Individual Deposits Subject to 
 
Due from Banks in other States 63,957 94 Check ----------------------- 485,3:!4 01 
 
Currency ---------------------- 18,139 OD Demand Certificates of Deposit --------Gold --------------------------- 1.440 00 Time Certificates of Deposit 153,786 77 Silver, Nickels, Pennies ______ 1,595 99 Savings Deposits -------------- 227,664 32 
 
Advances on Cotton ---------- ________ _ Cashier's Checks -------------- 1',736 79 
 
Advances on other Commodities ________ _ Certified Checks -------------- 
 
lli 50 
 
Checks for Clearing House ____ 11,381 60 Bills Payable ------------------ ________ _ 
 
Other Checks and Cash Items 1,072 93 Notes and Bills Rediscounted-- ________ _ 
 
Customers' Liability on Letters 
 
Ce,rtificates of Deposit for Bor- 
 
and Acceptances ------------ 48,832 00 rowed Money ---------------- --------- 
 
Overdrafts (if any) -----------Other Assets ------------------ 
 
79 35 3,83o oo 
 
Liability on Letters of Credit and Acceptances ____________ 
 
48,832 00 
 
Reserve for Interest and 'l'axes --------- 
 
Other Liabilities -------------- --------- 
 
Total ----------------------$1,213,682 89 Total ----------------------$1,213,682 89 
 
BANK'S STATEJMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$813,547 69 Capital Stock Paid In _________ $165,000 00 
 
Demand Loans ---------------- 57,144 73 Amount Reserr'ved for Branches --------- 
 
Loans Secured by Real Estate 
 
Surplus Fund ------------------ 100,000 00 
 
UnEistetidmSatteadtes--B--o-n-d-s---__-_-_-_-_-_-_-_--_ 
 
40,000 00 23,819 88 
 
Undivided Profits -------------Dividends Unpaid ------------- 
 
33,684 95 --------- 
 
Other Stocks and Bonds _____ _ 45,000 00 Due to Banks in this State __ 323 89 Banking House _______________ _ 16,543 54 Due 'to Banl<:s in other States --------- 
 
Furniture and Fixtures -------- 6,411 00 Call Money -------------------- --------Other Real Estate awned ____ --------- Individual Deposits Subject to 
 
Due from Banks in this State __ 100,779 56 Check ----------------------- 474,829 66 
 
Due kom Banks in other States 72,614 34 Demand Certificates of Deposit --------Currency ---------------------- 12,078 00 Time Certificates of Deposit __ 181,647 99 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ 
Advances on Cotton ---------ACdhvecaknscefsoronCloetahreirngCoHmomusoedi_t_i_e_s 
Other Checks and Cash Items Customers' Liability on Letters 
 
1,642 39 1,537 52 2,487 35 -_-_-_-_-__-_-_--_ 
5,8'08 32 
 
Savings Deposits -------------- 238,36'8 01 T.rust Funds on Deposit ______ --------Cashier's Checks _______________ 6,153 59 
Certified Checks -------------- 11!9 99 Bills Payable ------------------ --------Notes and Bills Rediscounted __ --------Ce,rtificates of Deposit for Bor- 
 
Ovoef rdCrraefdtsit (iafnadnyA) c_c_e_p_t_a_n_c_e_s_____ 
 
-_-_-_-__-_-_-_--_ 
 
rowed Money ---------------Liability on Letters of Credit 
 
--------- 
 
Other Assets ------------------ 
 
763 26 and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 
 
'l'otal ----------------------$1,200,178 08 Total ______________________$1,200,17lS 08 
 
 .- 
 
FIRST ANNUAL REPORT 
 
449 
 
EXAllii:INEB'S BEPOB'l'. 
 
CITIZENS BANK, RAY CITY. 
 
At Close of Business July 7, 1920. 
 
President-G. W. Varn. Vice-President-J. H. Swindle. Cashier-L. M. Marshall. 
 
Directors-G. W. Varn, J. H. Swindle, J. J. Parks, L. M. Marshall, H. F. Gaskins, 
 
Chas. R. Jones, A. A. Knight. 
 
Date of Charter-April 28, 1911. 
 
Began Business-August 14, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$170,736 52 Capital Stock -Paid In ____.______ $ 25,000 00 Demand Loans ---------------- 3,956 49 Amount Rese.rved for Branches ________ _ 
 
Loans Secured by Real Estate --------- Surplus Fund ------------------ --------- 
 
United States Bonds ---------- 5,000 00 Undivided Profits ------------ 14,H3 92 Other Stocks and Bonds______ ________ _ Dividends Unpaid ------------- --------- 
 
Banking House -------------- 2, 792 51 Due to Banks in this State __ --------Furniture and Fixtures ______ 2,620 74 Due to Banlrs in other States --------- 
 
Other Real Estate Owned ____ 1,024 16 Call Money -------------------- --------- 
 
Due from Banks in this State 14,811 OG Individual Deposits .Subject to 
 
Due kom Banks in other States 4,470 55 Check ----------------------- 84,199 55 Currency ---------------------- 3,274 00 Demand Certificates of Deposit ________ _ 
 
Gold --------------------------- 
 
47 50 'rime Ceo-tificates of Deposit -- 87,-i08 z,l 
 
Silver, Nickels, Pennies ____ __ 2f2 46 Savings Deposits -------------- --------- 
 
Advances on Cotton __________ --------- T.rust Funds on Depos'i~ ______________ _ 
 
Advances on other Commodities ________ _ Cashier's Checks ______________ 486 15 
 
Checks for Clearing House ____ 
 
61 85 Certified Checks -------------- 
 
6 00 
 
Other Checks and Cash Items --------- Bills Payable ------------------ --------- 
 
Customel's' Liability on Letters 
 
Notes and Bills Rediscounted __ --------- 
 
of Credit and Acceptances__ --------- Ce,rtificates of Deposit for BorOverdrafts (if any) ------------ ________ _ rowed Money ---------------- ________ _ 
 
Other Assets ------------------ 2,830 48 Liability on Letters of Credit and Acceptances ____________ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- ________ _ 
 
Total ------------------------$211,843 8' Total ------------------------$211,843 86 
 
BANK'S STA'l'EMENT at Close of Business December 15, 1920, 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$130,952 69 
 
Demand Loans ---------------- 5,234 66 ULonaitnesd SSetactuersedBobnydsR_e_a_l__E__s_t_a_te___4_0_,_0_0_0__00_ 
 
Other Stocks and Bonds______ ________ _ 
 
Banking House ______________ 2,792 51 
 
Furniture and Fixtures________ 2,718 74 
 
Other Real Estate Owned______ 
 
44 16 
 
Due f.rom Banks in this, State 12,632 6f. 
 
Due from Banks in other States 1.8ll7 57 
 
Currency ---------------------- 4,104 00 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-_-_-__- 
 
42 416 
 
540: 
 
Advances on Cotton __________ 3,337 07 
 
Advances on other Commodities ________ _ 
 
Checks for Clearing House ____________ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
97 15 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any) ------------ 3,102 2'"3 Other Assets: 
 
Depositors' Guarantee Fund___ 2.785 27 
 
Profit and Loss ---------------- 940 56 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided Profits -------------- 12,056 30 
 
Dividends Unpaid ------------Due to Banks in this Sta,te __ 5,000 00 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 65,376 2n Demand Certificates of Deposit Time Certificates of Deposit __ 82,386 ..., 
 
Savings Deposits -------------T,rust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 1.221 5n 
 
Certified Checks --------------- 
 
47 97 
 
Bills Payable ------------------ 20,000 00 
 
Notes and Bills Rediscounted-- 
 
Ce.rtificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances' ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$211,08'8 20 Total ------------------------$211,088 20 
 
 450 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, REBECCA. 
 
At Close of Business September 2, 1920. 
 
- President-J. H. Gilmore. Vice-President-Warren Paulk. Cashier-J. H. Childs. 
 
Directors-J. H. Gilmore, Warren Paulk, L. L. Young, Sr., J. E. McElmurray, C. S. McCall, J. E. 'Wilson, M. D. Young. 
 
Date of Charter-March 25, 1918. 
 
Began Business-February 13, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 85,181 24 Capital Stock Paid In_________ $ 15,000 00 
 
Demand Loans ---------------- 817 00 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 6,750 00 Surplus Fund ------------------ --------- 
 
United States Bonds -------Other Stocks and Bonds_____ _ 
 
2,550 00 Undivided Profits ------------ 8,744 18 Dividends Unpaid ------------- --------- 
 
BFuanrnkiitnugreHaonudseF-ix--tu--r-e-s--_-_-__-_-_-_--_ 
 
3,137 00 Due to Banks in this State __ --------3,597 50 Due to Banks in other States --------- 
 
Other Real Estate Owned ___ _ 
 
Call Money -------------------- 27,500 00 
 
Due from Banks in this State 6,891 33 Individual Deposits Subject to 
 
Due from Banks in other States Currency ---------------------SGiolvlder, --N-i-c-k-e--ls-,--P--e-n-n-i-e-s---_-_-_-__--_ 
 
1,245 53 6,444 00 
 
DeCmheacnkd C--e-r-t-if-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
38,840 79 9,000 00 
 
100 00 'l'ime Certificates of Deposit __ 112,937 50 
 
669 73 Savings Deposits -------------- --------- 
 
Advances on Collton ---------- 2,202 00 Cashier's Checks -------------- 499 36 
 
Advances on other Commodities Chec)<:s for Clearing House ___ _ 
 
Certified Checks --------------- --------134 72 Bills Payable ------------------ 10,000 00 
 
Other Checks and Cash Items__ 
 
9 00 Notes and Bills Rediscounted __ --------- 
 
Customers' Liability on Letters 
 
Ce.rtificates of Deposit for Bor- 
 
of Credit and Acceptances__ 
 
rowed Money ---------------- --------- 
 
Overdrafts (if any) ------------ 
 
Liability on Letters of Credit 
 
Other Assets ------------------ 2,802 50 and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 
 
9 72 
 
Total ------------------------$122,1)31 55 Total -------------------------$122,531 5C 
 
BANK'rS STATlDMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans- -------------------$ 54,041 54 
 
Demand Loans ---------------Loans Secured by Real Estate UOnthiteerd SSttoactkess aBnodndBs o-n-d-s-_-_-_-_-_-_- 
 
I,879 2,550 
 
o5c0 
 
Banking House ---------------- 3,137 00 Furniture and Fixtures -------- 3,597 50 Other Real Estate Owned ___ _ 
 
Due from Banks in this State __ 12,198 97 
 
Due frrom Banks in other States 3,987 29 
 
Currency ---------------------- 2, 781J 00 
 
GSiollvder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-_-__--_ 
 
200 00 791 99 
 
Advances on Cotton ---------Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items 
 
4,124 65 142 33 
 
Customers' Liability on Letters of Credit and Acceptances__ 
 
Overdrafts (if any) -----------Other Assets: 
 
Item for Collection- Citizens 
 
Bank, Ashburn -------------- 200 00 
 
Capital Stock Paid In_________ $ 15,000 00 
Amount Rese,rved for Branches --------- 
Surplus Fund ------------------ --------Undivided Profits ------------- 8,875 11 Dividends Unpaid ------------- --------Due to Banks in this State __ --------Due to Banks in other States --------Call Money -------------------- 5,000 00 Tndividural Deposits Subject to 
Check ----------------------- 35,102 69 Demand Certificates of Deposit 9,000 00 Time Certificates of Depos.iL_ 13,509 27 
Savings Deposits -------------- --------Trust Funds on Deposit ______ --------Cashier's Checks -------------- 1,143 70 
Certified Checks --------------- --------Bills Payable ---------------- 5,000 00 Notes and Bills Rediscounted __ --------Ce-rtificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and '!'axes --------Other Liabilities -------------- --------- 
 
Total ------------------------$ 92,630 77 Total ------------------------$ 92,630 77 
 
 FIRST ANNUAL REPORT 
 
451 
 
EXAMI:NEB'S BEPOB'l'. 
 
PEOPLES BANK, REBECCA. 
 
President-W. J. Dickson. Vice-President-John A. McCall. Cashier-C. T. Johnson. 
 
Directors-C. J. Young, W. L. Evans, M. L. Story, J. M. Evans, J. J. Covington, D. F. Young, H. J. Perry, C. T. Johnson. 
 
Date of Charter-July 3, 1918. 
 
Began Business-August 20, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 38,769 18 Capital Stock Paid In_________ $ 15,0UU 00 
 
Demand Loans ---------------- 1,327 00 Amount Reserved for Branches --------- 
 
!Joans Secured by Real Estate United States Bonds _________ _ Other Stocks and Bonds _____ _ 
 
Surplus Fund ------------------ --------Undivided Profits ------------ 1,189 65 Dividends Unpaid ------------- --------- 
 
Banking House ---------------- 2,300 00 Due to Banks in this State __ --------Furniture and Fixtures_______ _ 1,578 55 Due to Banks in other States --------- 
 
Other Real Estate Owned ___ _ Due from other Banks_______ _ 
 
Call Money ------------------- --------1,558 87 Individual Deposits Subject to 
 
Due from Approved Reserve Agents ---------------------- 
 
Check ----------------------- S,lmO 66 404 11 Demand Certificates of Deposit ________ _ 
 
Currency ---------------------- 207 00 Time Certificates of Deposit __ 3,767 30 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ 
 
5 00 Savings Deposits -------------- --------107 49 T.rust Funds on Deposit ------ --------- 
 
Advances on Cotton --------- 
 
Cashier's Checks -------------- 1,558 78 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Certified Checks --------------- --------B1Ils Payable ----------------- 23,431 75 
 
Other Checks and Cash Items 233 09 Notes and Bills Rediscounted__ ________ _ 
 
Customers' Liability on Letters 
 
Ce.rtificates of Deposit for Bor- 
 
of Credit and Acceptances__ 
 
rowed Money ---------------- --------- 
 
Overdrafts (if any) ------------ 14,195 35 Liability on Letters of Credit 
 
Other Assets ------------------ 647 50 and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes Other Liabilities -------------- 
 
-8~32o-oii 
 
Total ------------------------$ 61,328 1J Total ------------------------$ 61,328 14 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 32,953 4~ 
 
Demand Loans ---------------- 1,037 00 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
4,462 15 
 
Other Stocks and Bonds_____ _ 
 
FBuarnnkiitnugre HaonudseFix-t-u-r-e-s--_-_-__-_-_-_--_ 
 
2,300 00 1,578 55 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State 1,825 2~ Due from Banks in other States 
 
Currency ---------------------Gold --------------------------Silve.r, Nickels, Pennies -----Advances on Cotton _________ _ 
 
217 00 5 00 
38 50 
 
Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts (if any) ___________ _ 
Other Assets: Coiiections in Transit _________ _ 
 
93 91 217 09 
11,076 69 3'3 25 
 
Capital Stock Paid In_________ $ 15,000 00 Amount Reserved for Branches 
 
Surplus Fund -----------------Undivided Profits ------------Dividends Unpaid ------------Due to Banks in this State __ Due to Banl<s in other States 
 
703 42 500 00 
 
Caii Money -------------------Individual Deposits Subject to 
 
Check ---------------------- 4,110 19 Demand Certificates of Deposit Time Certificates of Deposit__ 2,602 9:! 
 
TSa.rvuisntgFs uDnedpsosoints D-e-p--o-s-i-t --_-__-_-_--_ 
 
Cashier's Checks -------------Certified Checks --------------Biiis Payable -----------------Notes and Biiis Rediscounted-Ce,rtificates of Deposit for Bor- 
 
9 60 23,431 75 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities: 40 per cent Assessment Paid in 
 
9,48'0 00 
 
Total ------------------------$ 55,837 8~ Total ------------------------$ 55,837 88 
 
 --------~-~~-~~~-~-~~-~-~--, 
 
45.\l 
 
BANKING DEPAHTJ\IENT 
 
EXAMINER'S BEPOB'l'. 
 
FARMERS STATE BANK, REGISTER. 
 
President-S. L. Nevill. Vice-President-J. S. Riggs. Cashier-R. D. Murrell. 
 
Directors-S. L. Nevill, J. S. Riggs, H. H. Oliff, H. V. Franklin, James Riggs, 
 
K. E. \Yatson. 
 
Date of Charter-March 11, 1912. 
 
Began Business-March 18, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$ 75,986 38 
 
Demand Loans ---------------- 
 
Loans Secured by Real Estate United States Bonds _________ _ 
 
Other Stocks and Bonds _____ _ Banking House _______________ _ 
 
1,700 00 
 
Furniture and Fixtures _____ _ 1,600 00 Other Real Estate Owned ___ _ 
 
Due from Banks in this State Due from Banks in other States Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P-e--n-n-i-e-s--_-_-_-_-_-_Advances on Cotton ___________ _ 
 
5, 756 87 176 27 
1,353 or 
40 00 728 83 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any) ___________ _ 
 
3,909 61 
 
Other Assets ------------------ 246 24 
 
Capital Stock Paid In_________$ 15,000 00 
 
Amount Reserved for Branches --------Surplus Fund ---------------- 3,000 00 Undivided Profits ------------- 1,113 53 Dividends Unpaid _____________ --------Due to Banks in this State ___________ 
 
Due to Ban!<s in other States --------Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 24,864 73 Demand Certificates of Deposit --------Time Certificates of Deposit___ 37,444 29 
 
Savings Deposits -------------- --------- 
 
Trust Funds on Deposit ------ --------- 
 
Cashier's Checks -------------- 
 
65 53 
 
Certified Checks --------------- --------Bills Payable ------------------ 10,00ll 00 Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 
 
9 12 
 
Total ------------------------$ 91,497 20 Total ------------------------$ 91,497 20 
 
BANK''S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LlA BILITIES 
 
Time Loans ------------------$ 68,885 32 Capital Stock Paid In_________ $ 15,000 00 
 
Demand Loans ---------------- 
 
Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds _________ _ Other Stocks and Bonds _____ _ 
Banking House ---------------Furniture' and Fixtures _____ _ Other Real Estate Owned ___ _ 
 
5,1:f0 9F 1,700 00 1,600 00 
 
Surplus Fund -----------------Undivided Plrofits -------------Dividends Unpaid -----------Due to Banks in this State __ Due to Banks in other States Call Money -------------------- 
 
3,00U 00 8"43 97 
--------2,000 00 
----------------- 
 
Due ~rom Banks in this Stale __ 2,192 39 Tndividual Deposits Subject to 
 
Dne from Banks in other States 559 96 Check ----------------------- 14,112 32 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---__-_-_-_-_Advances on Cotton ___________ _ 
 
381 35 
 
0on0 
 
Demand Certificates of Deposit 'l'ime Certificates of Deposit__ 
 
--------25,354 00 
 
571 00 Savings Deposits -------------- --------- 
 
']'.rust Funds on Deposit ______ --------- 
 
Advances on other Commodities 3,037 20 Cashier's Checks -------------- 177 02 Ch9cks for Clearing House ___ _ 995 42 Certified Checks --------------- --------- 
 
Other Checks and Cash Items 214 00 Bills Payable ---------------- 25,00U 0\J 
 
Custome;s' Liability on Letters 
 
Notes and Bills Rediscounted --------- 
 
of Credit and Acceptances __ Overdrafts (if any) ___________ _ 
 
Certificates of Deposit for Borrowed Money ---------------- --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Collections in Transit _______ _ 185 01 and Acceptances ------------ --------- 
 
Reserve for Interest and 'L'axes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$ 85,487 31 Total ------------------------$ 85,487 31 
 
 FIRST ANNUAL REPORT 
 
453 
 
E:XAMilii'E:R'S :REPO:RT. 
 
THE BANK OF REIDSVILLE, REIDSVILLE. 
 
At Close of Business October 19, 1920. 
 
President-R. J. Rogers. Vice-Presidents-B. B. McCall, L. P. Conley. Cashier-vV. G. Mauk. 
 
Directors-R. J. Rogers, M. N. Rogers, S. B. McCall, S. W. Sykes, L. P. Conley. 
 
Date of Charter-November 6, 1912. 
 
Began Business-January 3, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$154,417 07 
 
Demand Loans ---------------- 18,653 76 Loans Secured by Real Estate ________ _ 
 
United States Bonds __________ 5,000 00 
 
Other Stocks and Bonds ______ 1,000 00 
 
Banking House -------------- 4,884 64 Furniture and Fixtures ______ 1,387 17 Olher Real Estate Owned ____ ________ _ 
 
Due f.rom Banks in this State 135 66 
 
Due from Banks in other States 1,736 5~ 
 
Currency --------------------- 2,61)3 00 
 
Gold ----------------------Silver, Nickels, Pennies ------ 
 
52 50 314 02 
 
A,\ dilvvaanncceess oonn oCthoettroC"-o-m--m--o-d-i-t-ie--s _-_-_-_-_-_-_-_--_ 
 
Checks for Clearing House ____ 191 14 
 
Other Checks and Cash Items 216 86 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------Overdl'afts (if any) ------------ 104 38 Othe,r Assets: 
 
Deposit01rs' Guarantee Fund__ 3,077 75 
 
Mutual Fire Insurance Fund __ 120 00 
 
Capital Stock Paid In_________ $ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus iFund ---------------- 3,000 00 Undivided Profits ------------ 10,498 95 
 
Dividends Unpaid ------------ --------Due to Banks in this State __ --------- 
 
Due to Banks in other States --------- 
 
Call Money -------------------- 13,500 00 Individual Deposits Subject to 
 
Check ----------------------- 40,444 75 Demand Certificates of Deposit --------Time Certificates of Deposit__ 46,619 66 Savings Deposits -------------- ~6.751 50 
 
Trust Funds on Deposit ------ --------- 
 
Cashier's Checks -------------- 
 
98 16 
 
Certified Checks -------------- --------Bills Payable ------------------ 24.000 00 Notes and Bills Rediscounted 6,000 00 Certificates of Deposit for Bor- 
rowed Money ____,____________ 8,000 00 
 
Liability on Lette-rs of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities: 
 
Cash Long -------------------- 
 
41 46 
 
Total --------------------$193,!;[.4 48 Total -----------------------$193,954 48 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$134.031 9f Demand Loans ---------------- 15,200 01 Loans Secured by Real Estate 15,279 20 United States Bonds__________ --------Other Stocks and Bonds______ ________ _ 
 
Banking House ---------------- 4,884 64 Furniture and Fixtures ______ 1,3'87 17 Other Real Estate, Owned ____ ________ _ 
 
Due from Banks in this State 3.334 04 Due from Banks in other States 3, 760 32 
 
Currency ---------------------- 563 00 
 
SGiollvder,---N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ 
 
47 50 427 82 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodities --------Checks for Clearing HouEe ____ ________ _ 
 
Othe.r Checks and Cash Items 1,114 44 Customers' Liability on Letters 
 
of Credit and Acceptances --------- 
 
Overdrafts (if any) ------------ 
 
39 
 
Other Assets: 
 
DepositQrs' Guarantee Fund__ 3.077 75 
 
Fire Fund --------~-------- ___ 
 
120 00 
 
Capital Stock Paid In_________ $ 15,000 00 
Amount Reserved for Branches Surplus Fund ----------------- 3,000 00 Undivided Profits -------------- 8,531 49 Dividends Unpaid ------------Due to Banks in this State __ 
 
Due to Banks in other States __ 
 
Call Money -------------------- 13,500 00 Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit._ Savings Deposits -------------Trust Funds on Deposit_ ______ _ 
 
34,532 37 4,000 00 
49,219 66 20,705 5g 
 
Cashier's Checks -------------- 
 
88 gg 
 
Certified Checks -------------Bills Payable ---~------------- 25,000 00 Notes and Bills Rediscounted __ 9,630 47 Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserv.e for Interest and Taxes 
 
Othe,r Liabilities -------------- 
 
19 67 
 
Total ------------------------$183,2'28 24 Total ------------------------$183,228 24 
 
 454 
 
BANKING DEPARTMENT 
 
EXAMI:NEB.'S BEPOBT. 
 
TATTNALL BANK, REIDSVILLE. 
 
At Close of Business July 27, 1920. 
 
President-J. V. Kelley. Vice-President-E. C. Collins. Cashier-M. Langford. 
 
Directors-J. V. Kelley, E. C. Collins, M'. Langford, W. R. Hendricks, W. J. 
 
Jordan, W. .T. Harley, H. C. Beasley. 
 
Date of Charter-September 14, 1900. 
 
Began Business-October 22, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$206,832 21 Capital Stock Paid In ______ -$ 50,000 00 
 
Demand Loans ------------- 2,428 54 Amt. Reserved 'for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund -------------- 11 ;000 00 
 
United States Bonds________ 44,657 67 Undivided Profits ---------- 19,688 62 Other Stocks and Bonds____ _________ Dividends Unpaid ----------- 
 
Banking House ------------- 5,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ----------------- 
 
Due from Banks in this State 17,111 55 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 80,482 44 
 
States ------------------- 2,552 97 Liberty Bonds Deposits ___ _ ] ,889 10 
 
Currency ------------------ 3,773 00 Time Certificates of Deposit_ 53,952 70 
 
Gold ----------------------- 
 
40 00 Savings Deposits _________ _ 69,914 86 
 
Silver, Nickels, Pennies_____ 1,077. 42 Tnmt Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ --------- Cashier's Checl<s ----------- 
 
636 31 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- --------- Bills Payable -------------'-Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,571 88 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances ---------- 
 
Overdrafts (if any) -------- _________ Reserve for Interest and Taxes 
 
Other Assets -------------- 
 
221 89 Other Liabilities ----------- 
 
Total --------------------$286,564 03 Total --------------------$286,564 03 
 
BANK',S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ --------- Capital Stock Paid In ______ -$ 50,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches Loans Secured by Real Estate _________ Surplus Fund -------------- 
 
10,000 ou 
 
United States Bonds________ 41,839 42 Undivided Profits _________ _ 17,193 91 
 
Other Stocks and Bonds____ ________ _ Dividends Unpaid __________ _ 
 
Banking House ------------- 5,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,000 00 Due to Banl<s in other States 
 
Other Real Estate Owned____ ________ _ Call Money ----------------- 
 
Due from Banks in this State 5,243 73 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 72,390 49 
 
States ------------------- 
Currency -----------------Gold ---------------------Silver, I';ickels, Pennies____ _ Advances on Cotton_________ 
 
7,379 23 3,658 00 
55 00 771 00 ---------< 
 
DemandCertificates of Deposit Time Certificates of Deposit Savings Deposits _________ _ Trust Funds on Deposit {in- 
cluded above) ___________ _ 
 
4~.793 r;n 54,044 92 
20.:1:)~ 61 
 
Advances on other Commodi- 
 
Cashier's Cl1ecks ----------- 
 
586 16 
 
ties -------------------- __________ _ 
 
Checks for Clearing House__ 
 
18 25 
 
Certified Checks ___________ _ Bills Payable _____________ _ 
 
50.000 00 
 
Other CheckR and Cash Items 2,037 75 NoteR and Bills Rediscounted 1,000 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
O vaenrcdersa f-t -s - -(-i f- -a-n-y-)- - -_-_-_-_-_ _- _- -_ 
 
--------49 54 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Othe:r: Assets --------------- ________ _ Reserve for Interest and TaxeR 
 
Other Liahilities: 
 
- - - - - Overdrafts (if any) _______ _ 
 
49 54 
 
Total --------------------$ ________ _ Total --------------------$ ________ _ 
 
 FIRST ANNUAL REPORT 
 
455 
 
EXAMDii'EB'S BEPOBT. 
 
RENTZ BANKING COMPANY, RENTZ. 
 
At Close of Business July 20, 1920. 
 
President-0. D. Barron. Vice-Presidents-ill:. D. Barron, w. E. Bedingfield. 
 
Cashier-Theron Woodard. 
 
Directors-0. D. Barron, H. D. Barron, W. E. Bedingfield, E. D. Barron, W. A. 
 
Bedingfield, D. R. Coleman, H. Y. Grant, A. E. Hadden, 
 
J. W. Rowe, Theron Woodard. 
 
Date of Charter-May 2, 1914. 
 
Began Business-May 5, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 51,136 37 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
--------2,000 00 
 
Surplus Fund -------------Undivided Profits ----------- 
 
Other Stocks and Bonds____ Banking House ____________ 
 
--------2,500 00 
 
g~v~dt~n~a~~~t~d tl{i;-stat~== 
 
3,000 00 1,365 44 
 
Furniture and Fixtures_____ 1,796 65 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------- 
 
Due from Banks in this State Due from Banks in other 
 
3,709 72 IndtoiviCdhueacl k D_e_p_o_s_i_t_s___S_u_b_j_e_c_t 15,277 58 
 
States -----------------Currency ------------------ 
 
2,914 305 
 
73 00 
 
Demand Certificates of Deposit Time Certificates of Deposit_ 
 
22,095 42 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
- - - -41-5- - -2 3- 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ --------- Cashier's Checks ----------- 
 
Advance's on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- ________ _ Bills Payable -------------- 
 
Checks for Clearing House__ _________ Notes and Bills Rediscounted 
 
10,000 00 
 
Other Checks and Cash Items 1,000 01 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y-)- - ---------------- 
 
- - - -9-6-0 - -7-3 
 
and Acceptances _________ _ Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total --------------------$ 66,738 44 Total --------------------$ 66,738 44 
BANK'S STATJ)MENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmea nLd oLa nosa n -s - -_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
40,345 08 150 00 
 
Capital Stock Paid In_______ $ 15,000 Amt. Reserved for Branches 
 
00 
 
Loans Secured by Real Estate 3,826 76 Surplus Fund -------------United States Bonds_______ _ 2,000 00 Undivided Profits ---------Other Stocks and Bonds____ ________ _ Dividends Unpaid ----------- 
 
3,000 00 514 92 
 
Banking House ------------ 2,500 00 Due to Banks in this State __ Furniture and Fixture~---- 1,796 65 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------- 
 
Due from Banks in this State 
 
882 44 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 10,251 13 
 
States ------------------- 
 
4 75 Demand Certificates of Deposit 
 
CG uo lrdr e n- -c-y- - ---------------------------------- -- 
 
806 00 ________ _ 
 
Time Certificates of Deposit_ Savings Deposits ----------- 
 
10,339 38 
 
Silver, Nickels, Pennies ____ _ Advances on Cotton_______ _ 
 
405 16 Trust Funds on Deposit_ ___ _ 384 64 Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f o- -r - -C-l-e-a-r-i n-g- - -H-o-u-s-e-_ _- -_-_-_-_-_-_-_-_-_- 
 
Bills Payable -------------Notes and Bills Hediscounted 
 
14,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
528 67 Certificates of Deposit for Borrowed Money _______ _ 5,000 00 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) -------- 
 
--------4,475 28 
 
and Acceptances _________ _ Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total --------------------$ 58,105 43 Total --------------------$ 58,105 43 
 
 r 
i 
 
456 
 
BANKING DEPARTMENT 
 
EXAJIIIINEB'S BEPOBT. 
 
BANK OF REX, REX. 
 
At Close of Business August 9, 1920. 
 
President-J. 0. Norris. Vice-Presid'ent-W. c. Estes. Cashier-\V. E. M. Dodson. 
 
Directors-J. 0. Norris, W. C. Estes, W. E. M. Dodson, J. W. Estes, C. L. Powell, 
 
J. B. Simmons, \V. 0. Adamson. 
 
Date of Charter-January 30, 1912. 
 
Began Business-February 5, 1920. 
 
RESOURC.ES 
 
LIABILI'l'IES 
 
~~e,.n~'t~~n;-================$ 
 
58,630 4,500 
 
00 00 
 
Loans Secured by Real Estate 
 
Pnited States Bonds __________ _ 
 
Other Stocks and Bonds_____ _ 
 
Banking House ---------------Furniture and Fixtures_______ _ 
 
1,000 00 1,359 30 
 
Other Real Estate Owned _____ _ 
 
Due from Banks in this State__ 3,884 41 Due from Banks in other States 2,285 87 
 
Currency ---------------------- 411 00 
 
GSiollvder,---N-i-c-k-e-l-s-,---P-e-n-n--ie-s--_-__-_-_-_--_ Advances on Cotton ___________ _ Advances on other Commodities Checks for Clearing House ___ _ 
 
157 00 30,172 0~ 
 
Other Checks and Cash Items Customers' L'iability on Letters 
 
11 25 
 
of Credit and Acceptances__ 
 
Overdrafts (if any)------------ 2,479 66 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- 15,000 00 
 
Undivided P,rofits ------------ 922 27 
 
Dividends Unpaid ------------- --------Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------Call Money -------------------- 5,000 00 Individual Deposits Subject to 
 
Check ----------------------- 30,181 68 Demand Certificates of Deposit --------Time Certificates of Deposit___ 3,332 00 
 
Savings Deposits -------------Cashier's Checks -------------- 
 
455 06 
 
Certified Checks -------------- --------Bills Payable ------------------ 35,000 00 
 
Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
Other Liabilities -------------- 
 
Total --------------------------$104,891 01 Total --------------------------$104,891 01 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time. Loans ------------------$ 81,844 8"8 
 
Demand Loans ---------------Loans Secured by Real Esrate United States Bonds__________ _ 
 
600 00 
 
Other Stocks and Bonds_____ _ 
 
Banking House ---------------- 1.000 00 Furniture and Fixtures _______ _ 1,359 30 Other Real Estate Owned_____ _ 
 
Due from Banks in this State __ 1.225 fiF Due from Banks in other States 1,0r4 25 
 
Currency ---------------------- 152 00 
 
GSiollvder-, --N--ic-k--e-ls-,---P-e-n-n--ie--s-__-_-_-_-_--_ Advances on Cotton ___________ _ Advances on other Commodities Checks for Clearing House ___ _ 
 
128 15 5,473 Hi 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ 
 
1 60 
 
Overdrafts (if any) ------------ 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ----------------- 15,000 00 
 
Undivided Profits -------------- 879 71 
 
Dividends Unpaid ------------- --------Due to Banks in this State ___ _ 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 19,171 95 
 
Demand Certificates of Deposit 
 
Time Certificates of Deposit___ 2,099 00 
 
Savings Deposits -------------Trust Funds on Deposit________ 
 
--_ __ 
 
----____ 
 
-_. 
 
Cashier's Checks -------------- 
 
648 20 
 
Certified Checks -------------- --------- 
 
Bills Payable ------------------ 40,000 00 
 
Notes and Bills Rediscounted __ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ ________ _ 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
'l'otal ------------------------$ 92,798 86 Total ------------------------$ 92,798 86 
 
 FIRST ANNUAL REPORT 
 
457 
 
EXAM:INEB'S BEPOBT. 
 
REYNOLDS BANKING COMPANY, REYNOLDS. 
 
At Close of Business October 2, -1920. 
 
President~R. A. Hinton. Vice-President-W. E. Marshall. Cashier~L. F. Montfort. Directors-R. A. Hinton, W. E. Marshall, E. \V. Cook, J. \V. Harp, Mrs. S. T. 
Butler, J. H: Whatley. 
 
Date of Charter-February 26, 1913. 
 
Began Business-March 3, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$195.154 75 
 
Demand Loans ---------------- 19,367 61 Loans Secured by Real Estate 1,500 00 
 
United States Bonds ---------- 3,93ll OJ Other Stocks and Bonds______ 883 :r.J 
 
Banking House ---------------- 3,500 00 Furniture and Fixtures________ 3,981 58 
 
Other Real Es,tate Owned______ --------- 
Due from Banks in this State__ -3,914 2o 
 
Due from Banks in other States 490 25 
 
Currency ---------------------- 3,378 00 Gold --------------------------- 207 50 Silver, Nickels, Pennies_______ 1,975 97 Advances on Cotton____________ 23,984 67 
 
Advances on other Commodities 10,2Z5 2P 
 
Checks for Clearing House____ 
 
11 01 
 
Other Checks and Cash Items 
 
92 25 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Ove,rdrafts (if any)------------ 928 88 
 
Other Assets ------------------ 218 5C 
 
Capital Stock Paid In__________ $ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits -------------Dividends Unpaid ------------D'ue to Banks in this State___ _ Due to Banks in other States__ 
 
15,000 00 4,652 03 
2,688 57 
 
Call Money -------------------Individual Deposits, Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ STarvuisntgFsuDndeps oosnitsD-e-p-o-s-i-t_--_-__-_-_-_--_ 
 
72,962 82 37,309 69 
34,078 28 
 
Cashier's Checks -------------- 
 
Certified Checks -------------- 
 
Bills Payable ------------------ 50,000 00 Notes and Bills Rediscounted __ 31,806 88 Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
8 60 
 
Total ------------------------$273,761 85 Total ------------------------$273,761 8!; BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$171.359 46 Capital Stock Paid In__________ $ 25,000 !TO Demand Loans ---------------- 7,286 57 Amount Reserved for Branches 
 
I,oans Secured by Real Estate 3,298 27 United States Bonds___________ --------Other Stocks and Bonds______ 883 33 
 
Surplus Fund ----------------Undivided Profits ------------Dividends Unpaid ------------- 
 
15,000 00 3,281 78 
 
Banking House ---------------- 3.500 00 Due to Banks in this State___ _ 
 
Furniture and Fixtures________ 3,981 58 Due to Banks in other States 
 
Other Real Estate Owned______ Due from Banks in this State__ 
 
--------2,281 3f 
 
Call Mloney -------------------Individual Deposits Subject to 
 
388 93 
 
Due from Banks in other States --------- Check ----------------------- 60,255 44 Cui'rency ---------------------- 3,647 00 Demand Certificates of Deposit 
 
Gold --------------------------Silver, Nickels, Pennies_______ Advances on Cotton and Cotton 
 
147 50 2,:IT4 33 
 
Time Certificates of Deposit__ STarvuisntgFsuDndeps oosnitsDe--p-o-s-i-t_--_-__-_-_-_--_ 
 
63,067 01 
 
Seed ------------------------- 51,490 81 Cashier's Checks -------------Advances on other Commodities --------- Certified Checks -------------- 
 
1,499 05 
 
Checks for Clearing House ---- --------- 
 
Other Checks and Cash Items 
 
3 89 
 
Customers' Liability on Letters 
 
Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
54,000 00 28,807 83 
 
of Credit and A,cceptances__ --------- rowed Money ---------------- 
 
Ove,rdrafts' (if any)------------ 977 44 Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ------------ 
 
One-third Interest in Light 
 
Reserve for Interest and Taxes 
 
Plant ------------------------ 218 50 Other Liabilities -------------- 
 
Total ________________.:_______ $251,300 04 Total ------------------------$251,300 04 
 
 458 
 
BANKING DEPARTMENT 
 
EXAMINEE'S BEPOBT. 
 
RHINE BANKING COMPANY, RHINE. 
 
At Close of Business July 30, 1920. 
 
President-W. R. Cobb. Vice-Bresident-J. J. HanreH. Cashrier-S. J. Brown. 
 
Directors-\V. R. Cobb, J. J. Harrell, S. J. Brown, E. D. Graham, W. A. \Vilkinson, W. Sheffield, A. Coffee, G. W. Ross, W. A. \Vilcox, J. W. Morris, W. B. Bryan, H. McCranie. 
 
Date of Charter-July 11, 1918. 
 
Began Business-July 11, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$101,989 54 Demand Loans ---------------- 2,572 59 Loans Secured by Real Estate ________ _ United States Bonds___________ ________ _ 
 
Other Stocks and Bonds______ --------- 
 
Banking House ---------------- --------Furniture and Fixtures________ 2,635 88 
 
Other Real Estate Owned____ 5,258 49 
 
Due from Banks in this State__ 5,42"8 48 
 
Due from Banks in other States 2,594 03 
 
Currency ---------------------- 3,283 00 
 
Gold --------------------------Silver, Nickels, Pennies_______ 
 
20 00 948 85 
 
Advances on Cotton____________ --------Advances on other Commodities ________ _ 
 
Checks for Clea.ring House____ 
 
28 75 
 
Other Checks and Cash Items 671 6.0 
 
Customers' Liability on Letters of Credit and Acceptances__ ________ . 
 
Overdrafts (if any) -----------Other Assets: War Savings Stamps__________ 
 
84 00 
 
Cash Short -------------------- 161 11 
 
Capital Stock Paid In__________ $ 25,000 00 Amount Reserved for Branches Surplus Fund -----------------Undivided Profits ___________ _ 7,429 26 
Dividends Unpaid ------------Due to Banks in this State ___ _ Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit_ __ 
Savings Deposits -------------Cashieir'S Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
38,637 50 13,&H 72 
762 89 40,000 00 
 
Liraobwileidty MoonneLye-tt-e-r-s---o-f--C--r-e-d-i-t and Acceptances ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$125,676 37 Total ------------------------$125,676 37 
 
BANK'S STATEMENT at Clos'e of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 71,56"4 38 Demand Loans ---------------- 4,27,8 2fi Loans Secured by Real Estate 8,191 76 lTnited States Bonds__________ _ 
 
Other Stocks' and Bonds_____ _ 
 
Banking House ---------------Furniture and Fixtures_______ _ 2,845 88 
 
O'ther Real Estate Owned ___ _ 5,799 69 Due f,rom Banks in this State__ 6,516 37 
 
Due from Banks in other States Currency ---------------------GSiollvder,---N--ic-k--e-l-s,---P-e-n--n-i-e,s-_-_-_-_-_-_-_- 
 
3'60 18 1,636 00 
2]'; 00 
849 02 
 
Advances on Cotton -------- 15,:)63 43 Foreign Items ---------------- 1,565 40 Checks for Clearing House ___ _ 1,227 35 
 
Other Checks and Cash Items 
 
Customers' Liability on Letters of Credit and Acceptances__ 
 
Overdrafts (if any) ------------ 
 
Other Assets: PWroafritSaavnidngLs oSssta_m__p__s__-_-_-_-_-_-_-_-_--_ 
 
84 00 75 73 
 
Capital Stock Paid In__________ $ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits -----------Dividends Unpaid ------------Due to Banks in this State___ _ Due to Banks in other States__ 
 
6,980 2'- 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 38,552 54 Demand Certificates of Deposit ~im,e Certifica~es of Deposit_ __ 12,585 17 
 
TarvumstgFsuDndepsoos1ntsDe-p--o-s-i-t_--_-__-_-_-_--_ Cashier's Checks _____________ _ 
 
Certified Checks -------------- 
 
Bills Payable ------------------ 35,000 00 Notes and Bills Rediscounted__ 1,262 75 Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$120,387 4f Total ------------------------$120,387 45 
 
 FIRST ANNUAL REPORT 
 
459 
 
EXAMINEE'S BEPOB'l'. 
 
BANK OF RICHLAND, RICHLAND. 
 
At Close of Business August 17, 1920. 
 
President-N. C. Coffin. Vice-President-Jas. E. French. Cashier-W. C. Dixon. Directors-N. C. Coffin, Jas. E. French, W. M. Etheridge, W. C. Alston, G. J. 
Morton, E. \V. Childs, A. H. Ponder, R. T. Dixon, Mrs. E. C. Myers, \V. C. Dixon, A. A. French. 
 
Date of Charter-December 29, 1890. 
 
Began Business-August 1, 1890. 
 
RESOURCES 
 
LIABILITIES 
 
'l'ime Loans ------------------$246,954 90 Demand Loans ---------------- 7,100 00 Loans Secured by Real Estate 20,000 00 United States Bonds __________ 7,91J3 83 
Other Stocks and Bonds'------ SOU 00 Banking House ---------------- 7,005 82 Furniture and Fixtures________ 4,800 00 Other Real Estate Owned______ 16,757 77 Due from Banks in this State__ 5,943 05 Due rom Banks in other States 8,911 88 
Currency ---------------------- 4,165 00 Gold --------------------------- 2-95 00 Silver, Nickels, Pennies_______ 4,539 42 Advances on Cotton ____________ --------- 
Advances on other Commodities --------Checks for Clearing House_____ 992 65 Other Checks and Cash Items --------Customers' Liability on Letters 
of Credit and Acceptances__ --------Ove.rdrafts (if any)------------ 27,816 1l7 Other Assets ------------------ 2,453 7( 
 
Capital Stocl< Paid In__________ $ 60,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits ------------Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States __ 
 
20,000 00 2,878 58 
86 l!O 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit_ __ Savings Deposits -------------Trust Funds on Deposit_ ______ _ 
 
78,074 91 92,276 62 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ Certificates. of Deposit for Bor- 
 
362 53 
85,000 00 27,760 51 
 
rowed Money ---------------Liability on Letters of Creuit 
 
and Acceptances -----------Reserve for Interest and Taxes. 
 
Other Liabilities -------------- 
 
Total ------------------------$366,439 15 Total ------------------------$366,439 lG 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$216,145 12 
 
Demand Loans ---------------- 15,286 25 Loans Secured by Real Estate 22,098 53 
 
United States Bonds__________ 7,903 83 
 
Other Stocks and Bonds________ 800 00 
 
Banking House ---------------- 16,000 00 Furniture and Fixtures________ 4,800 00 
 
Other Real Estate Owned____ 7,763 59 
 
Due from Banks in this State__ 5,244 43 
 
Due from Banks in other States 2,445 H 
 
Currency ------------------ 9,327 00 
 
Gold --------------------------Silver, Niclmls, Pennies_______ 
 
5,438157 0070 
 
Advances on Cotton____________ 31,904 62 
 
Advances on other Commodities 4,257 5! 
 
Checks for Clearing House____ 631 86 
 
Other Checks and Cash Items --------- 
 
Customers' l.iiability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any)------------ 1,219 52 
 
Ot P. 
 
hae.r 
 
Assets -----------------Furniture and Fixtures__ 
 
--------1,000 00 
 
Capital Stock Paid In__________$ 60,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------- 20,000 00 
 
Undivided Profits -------------- 5,333 13 
 
Dividends Unpaid ------------- 
 
46 00 
 
Due to Banks in this State___ _ 
 
Due to Banks in otheiT" States__ 
 
Call Money -------------------Individual Deposits Subject to 
 
Chec,k ----------------------Demand Certificates of Deposit Time Certificates of Deposit___ Savings Deposits -------------Trust Funds on DeposiL ______ _ 
 
63,037 98 
78,172 74 9,135 63 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ 
Certificates of Deposit for Bor- 
 
1,687 16 
97,500 or 
17,716 ~4 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$352,629 4 Total ------------------------$352,629 48 
 
 460 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S B.EPOB.T, 
 
PEOPLES BANK, RICHLAND. 
 
At Close of Business July 22, 1920. 
 
President-R. J. Dixon. Vice-Presidents-E. J. Carter, E. J. Burch. Cashier_,J. Giles. 
 
Directors-R. J. Dixon, E. J. Carter, E. J. Burch, J. GBes, l\I. G. Richardson, 0. J. Colbert, U. C. Alston, J. E. Ooffin, \V. M. Etheridge, Jno. Maples, C. D. Faulk. 
 
Date of Ch.arter-May 22, 1905. 
 
Began Business-August 18, 1905. 
 
. ~ 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$196,705 35 Capital Stock Paid Jn_______ $ 35,000 00 
 
Demand Loans ------------- 4,082 71 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 40,000 00 Surplus Fund -------------- 30,000 00 
 
United States Bonds________ --------- Undivided Profits ----------- 
 
791 42 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ 3,931 83 Due to Banks in this State __ 3,464 46 
 
Furniture and Fixtures_____ 2,857 64 Due to Banks in other States 
 
Other Real Estate Owned____ 9,238 05 Call Money ----------------- 
 
Due from Banks in this State 17,252 75 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 111,309 44 
 
States ------------------- 11,982 34 Demand Certificates of Deposit 
 
Currency ------------------ 4,410 00 Time Certificates of Deposit_ 96,472 13 
 
Gold ----------------------- 1,095 00 Savings Deposits _________ _ 1,962 97 Silver, Nickels, Pennies_____ 2,263 52 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ _ ________ Cashier's Checks ---~------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties -------------------- ----------- Bills Payable -------------- 60,000 00 Checks for Clearing House__ 1,337 78 Notes and Bills Rediscounted 
 
Other Checks and Cash .Items 3,362 38 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances _________ _ 
 
Overdrafts (if any) -------- --------- Reserve for Interest and '.raxes 
 
Other Assets --------------- 15,043 39 Other Liabilities ----------- 
 
Total --------------------$339,000 42 Total --------------------$339,000 42 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$231,508 22 Capital Stock Paid In _______ $ 35,000 00 
 
Demand Loans ------------- 9,098 96 Amt. Heserved for Branches 15,000 00 
 
Loans Secured by Real Estate 50,847 29 Surplus Fund -------------- 15,000 00 
 
United States Bonds________ Other Stocks and Bonds____ 
 
----------------- 
 
DUinvdiidveinddeds UPnrpoafiitds __-_-_-_-_-_-_-_-_--: 
 
Banking House ------------ 5,437 33 Due to Banks in this State__ 5,451 60 
 
Furniture and Fixtures_____ 3,905 54 Due to Banks in other States 
 
Other Real Estate Owned____ 9,703 51 Call Money ----------------- 
 
Due from Banks in this State 11,404 97 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 96,022 57 
 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-__--_ 
Advances on Cotton -------- 
 
2,154 07 Demand Certificates of Deposit 2,861 00 Time Certificates of Deposit_ 1,137 50 Savings Deposits ---------2,558 20 Trust Funds on Deposit_ ___ _ 16,904 02 Cashier's Checks __________ _ 
 
97,985 62 2,137 26 
3,522 95 1,065 57 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --~------------------ 12,397 45 Bills Payable -------------- 98,850 00 
 
Checks for Clearing House 
 
Notes and Bills Rediscounted 
 
and File ----------------Other Checks and Cash Items 
 
7,947 81 --------- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptanc~s ---------- 
 
ances -------------------Overdrafts (if any) -------- 
 
- - - - -4 0- - -5 -7 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
Other Assets -------------- 2,058 31 
 
- - - - Profit and Loss ------------ 
 
70 82 
 
Total --------------------$370,035 57 Total --------------------$370,035 57 
 
 r 
 
:PmsT ANNUAL i~EPOUT 
 
4Gi 
 
EXAMINER'S BEPOBT. 
BANK OF RINGGOLD, RINGGOLD. 
At Close of Business October 1, 1920. 
President-M. W. Murphey. Vice-President-W. H. 'l'rundle. Cashier-J. T. Loyd. Director:s-M. W. Murphey, W. H. Trundle, A. M. Bandy, W. C. Hullender, A. M. 
Smith, W. 0. Yates. Date of Charter-August 26, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$200,610 83 Capital Stock Paid In _______ $ 25,000 00 Demand Loans _____________ 32,426 31 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 12,494 41 Surplus Fund -------------- 3,000 00 
 
United States Bonds _______ 2,950 00 Undivided Profits ---------- 10,084 41 
 
Other Stocks and Bonds_____ 3,500 00 Dividends Unpaid----------Banking House _____________ 2,139 74 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 2,867 53 Due to Banks in other States 
 
Other Real Estate Owned ____ --------- Call Money ---------------- 67,500 00 Due from Bank~ in this State 1,500 00 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
13,892 99 Detmo aCnhdeCcekrt-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 
 
Currency -----------------Gold ----------------------Silver, Nickels, Pennies ____ _ 
 
4,969 00 Time Certificates of Deposit_ 85 00 Savings Deposits __________ _ 
355 68 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton ___.______ _ _______ _ 
Advances on other Commodities -------------------- ----------- 
 
CCearsthifiieerd's CChheecckkss __-_-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ 
 
Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
75,401 91 
54,952 32 25,011 85 
568 50 
15,000 00 4,950 00 
 
Other Checks and Cash Items 
 
93 00 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_ -_ _- _-_-_- 
 
-- -- -- -- -- -- -- -- -- 
 
LiaanbdiliAtyccoenptLanetcteesrs__o_f__C_r_e_d_i_t Reserve for Interest and Taxes 
 
Other Assets --------------- 3,584 50 Other Liabilities ----------- 
 
Total --------------------$281,468 99 Total --------------------$281,468 99 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$167,381 51 Capital Stock Paid In_______ $ 25,000 00 Demand Loans ------------- 18,913 81 Amt. Reserved for Branches Loans Secured by Real Estate 15,594 41 Surplus Fund -------------- 3,000 00 
 
United States Bonds ------Other Stocks and Bonds_____ Banking House ------------Furniture and Fixtures_____ 
 
2,950 3,500 
 
00 00 
 
DUnivdiidveinddeds UPnropfaiitds _-_-_-_-_-_-_-_-_-_--_ 
 
10,189 37 
 
2,139 7 4 Due to Banks in this State __ 
 
2,980 03 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiollvder,--N--i-c-k-e-ls-,--P-e-n--n-ie--s -_-__-_--_ 
 
----------------- 
14,217 00 6,207 00 90 00 614 06 
 
Call Money ----------------Individual Deposits Subject 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time CertiJkates of Deposit_ Savings Deposits _________ _ Trust Funds on Deposit_ ___ _ 
 
27,500 00 
75,286 40 
41,861 55' 18,239 0-1 
 
Advances on Cotton_________ --------- Cashier's Checks ----------- 
 
750 02 
 
Advances on other Commodities -------------------- ----------- 
Checks for Clearing House__ --------- 
 
CBeilrltsifiPedayCabheleck_s _-_-_-_-_-_-__-_-_-_-_--_ Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
367 97 Certificates of :Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Acceptances _____________:______ 
 
--------- 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
22,fiOO on 14,200 00 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Depositors' Guarantee Fund_ 3,464 50 
 
Mutual 
 
Insurance 
 
-- 
 
- 
 
- 
 
--- 
 
- 
 
- 
 
-- 
 
- 
 
120 
-- 
 
00 
- 
 
13 65 
 
Total --------------------$238,540 03 Total --------------------$238,540 03 
 
 r 
 
7 
 
BANKING DEPARTMiiJNT 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF ROBERTA, ROBERTA. 
 
At Close of Business August 25, 1920. 
 
President-E. L. McGee. Vice-President-C. S. Fincher. Cashier-Jno. H. Lowe. 
 
Directors-E. L. McGee, C. S. Fincher, F. Danielly, J. W. Kendrick, J. S. McGee. 
 
Date of Charter-January 2, 1911. 
 
Began Business-January 2, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 66,596 15 Capital Stock Paid In_______$ 15,000 00 
 
DL oe ma nasnSde cLuoraendsb -y- R- -e-a-l-E- -s-t-a-t eUnited States Bonds________ 
 
____2_4_9__80_ ________ _ 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ----------- 
 
5,000 00 4,330 41 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ ________ _ Due to Banks in this State__ 
 
408 82 
 
Furniture and Fixtures_____ 1,322 40 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ----------------- 
 
Due from Banks in this State _19,027 75 Individual Deposits Subject 
 
o Due from Banks in other States ------------------- 7,361 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 42,279 71 
 
Currency ------------------ 4,520 oo Time Certificates of DeposiL 32,774 56 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--en--n-ie-s-_-_-_-_-_- 
 
- - - -8 0-0- - -67- 
 
Savings Deposits ----------Cashier's Checks ----------- 
 
303 64 
 
Advances on Cotton_________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable --------------- 
 
ties -------------------- ----------- Notes and Bills Rediscounted 
 
Checks for Clearing House__ --------- Certificates of Deposit for 
 
Other Checks and Cash Items 
 
91 72 Borrowed Money --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -------------- -- 
 
- - - -1-2 4- - -29- 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
Other Assets --------------- 
 
3 32 
 
Total --------------------$100,097 14 Total --------------------$100,097 14 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 61,316 67 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
412 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 5,000 00 United States Bonds________ --------- Undivided Profits ----------- 3,119 73 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ----------Banking House ------------ --------- Due to Banks in this State __ Furniture and Fixtures_____ 1,322 40 Due to Banks in other States 
 
120 43 
 
Other Real Estate Owned____ --------- Call Money ----------------Due from Banks in this State 7,132 26 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s-_-_-_-_-_- 
 
5,660 71 1,650 00 - - - -9 -0 0- - -33- 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit_ Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
26,920 79 31,419 69 
 
Advances on Cotton_________ 2,849 97 Cashier's Checks ----------- 
 
223 12 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f -o-r - -C-l-e-a-r-i n-g- - -H-o-u-s-e-_ _- ------------------- 
 
Bills Payable --------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -(-i f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
--------660 84 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities: Dr. Items (Dep.) ----------- 
 
159 07 
 
Total --------------------$ 81,962 83 Total --------------------$ 81,962 83 
 
--- 
 
 \ 
 
FIRST ANNUAL REPORT 
 
463 
 
EXAMINER'S BEPOBT. 
 
ORAWFORD COUNTY BANK, ROBERTA. 
 
At Close of Business September 18, 1920. 
 
President-R. E. Avera. Vice-President-Leman Phelan. Cashier-B. F. Walker. 
 
Directors-L. 0. Benton, Leman Phelan, K. P. Lowry, R. E. Avera, B. F. Walker, 
 
Date of Charter-January 7, 1901. 
 
Began Business-1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------r--$ 75,765 75 Capital Stock Paid In _______ $ 15,000 00 
Demand Loans ------------- 8,320 41 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds____ 
 
--------________ _ ________ _ 
 
Surplus Fund -------------DUnivdiidveinddeds PUrnopfiatisd --_-_-_-_-_-__-_-_-_- 
 
6,000 00 3,81206 8004 
 
Banking House -----------Furniture and Fixtures_____ 
 
2,150 00 1,000 00 
 
Due to Banks in this State__ Due to Banks in other States 
 
----------------- 
 
Other Real Estate Owned____ Due from Banks in this State 
 
--------5,067 20 
 
Call Money ----------------Individual Deposits Subject 
 
--------- 
 
Due from Banks in other States ------------------- 
 
1,086 90 
 
to Check ----------------Demand Certificates of Deposit 
 
28,577 94 --------- 
 
Currency ------------------ 1,142 00 Time Certificates of Deposit_ 23,099 32 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton_______ _ 
 
25 00 Savings Deposits ----------- --------- 
 
593 54 Trust Funds on Deposit_____ --------- 
 
2,805 58 Cashier's Checks ----------- 
 
120 45 
 
Advances on other Commodi- 
 
ties -------------------- ___________ 
 
Checks for Clearing House__ 
 
120 41 
 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted 
 
--------22,500 00 --------- 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) -------Other Assets: Cash Short ---------------Profit and Loss ------------ 
 
--------301 48 307 07 449 21 
 
and Acceptances __________ Reserve for Interest and Taxes Other Liabilities ----------- 
 
------------------------- 
 
Total --------------------$ 99,134 55 Total --------------------$ 99,134 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 62,396 24 Capital Stock Paid In_______$ 15,000 00 
 
Demand Loans ------------- 12,250 50 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
--------________ _ 
 
Exchange -----------------Interest and Discount ------ 
 
99 38 1,313 28 
 
Other Stocks and Bonds____ --------- Surplus Fund -------------- 6,000 00 
 
Banking House ------------ 2,150 00 Undivided Profits ---------- 3,889 10 
 
Other Real Estate Owned____ --------- Dividends Unpaid ----------Furniture and Fixtures ____ _ 1,000 00 Call Money ----------------Other Real Estate Owned____ -------- Individual Deposits Subject 
 
Due from Banks in this State 1,532 82 to Check ----------------- 23,828 85 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ------------------Currency -----------------G:Soillvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
202 59 Time Certificates of Deposit__ 23,100 60 
 
1,537 00 Savings Deposits __________ _ 
 
25 00 Trust Funds on Deposit_ ___ _ 
 
620 95 Cashier's Checks ----------- 
 
163 86 
 
Advances on Cotton and Peas Advances on other Commodi- 
 
4,888 57 CBeilrltsifiPedayCabheleck_s _-_-_-_-__-_-_-_-_-_-_--_ 20,000 00 
 
ties -------------------- ----------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 2,1 39 8 7 Certificates of De-posit for 
 
Overdrafts (if any) --------- 
 
316 40 Borrowed Money ________ _ 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Profit and Loss, Notes Chg-. 
 
and Acceptances ---------- 
 
Off ---------------------- 2,0~R r;o Reserve for Interest and Taxes 
 
"Exchange Paid ------------- 
 
21 92 Other Liabilities: 
 
500 00 
 
rnterest Paid -------------- 
 
749 02 Due Atlanta Fourth National 
 
Expenses ------------------ 2,067 18 Bank -------------------- 
 
66 57 
 
Total --------------------$ 9~.961 64 Total ____________________ $ 93,961 64 
 
 r 
 
/ 
 
' 
 
464 
 
RI.NKING DEPARTMENT 
 
EXAMINEB'S BEPOBT. 
 
BANK OF ROCHELLE, ROCHELLE. 
 
At Close of Business September 21, 1920. 
 
President-H. Mashburn. Vice-President-J. D. Fitzgerald. Cashier-L. G. Tippins. 
 
Directors-H. Mashburn, J. H. Fitzgerald, L. G. Tippins. 
 
Date of Charter-March 15, 1905. 
 
Began Business-March 15, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$112,693 49 Capital Stock Paid In _______$ 25,000 00 
 
Demand Loans ------------- 42,560 02 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 100,000 00 Surplus Fund -------------- 25,000 00 United States Bonds________ _________ Undivided Profits ---------- 2,452 07 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ --------- Due to Banks in this State__ Furniture and Fixtures_____ 2,453 05 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------Due from Banks in this State 28,979 60 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 181,944 87 
 
States ------------------- 8,105 21 Demana Certificates of Deposit 
 
Currency ------------------ 1,188 011 Time Certificates of Deposit_ 27,397 79 
 
Gold ----------------------- 
 
280 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 1,331 79 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton_________ --------~ Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
ties -------------------- ___________ Bills Payable -------------- 60,000 00 
 
Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Otl1er Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------Overdrafts (if any) ________ 22,624 96 Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
72 81 
 
Total --------------------$321,867 54 Total --------------------$321,867 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$224,703 69 Demand Loans ------------- --------- 
 
Capital Stock Paid In_______$ 25,000 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 25,000 00 
 
United States Bonds________ --------- Undivided Profits ----------- 2,229 76 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ___________ --------- 
 
Banking House ------------ --------- Due to Banks in this State__ --------- 
 
Furniture and Fixtures_____ 2,453 05 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money _---------------- --------Due from Banks in this State 10,034 73 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 133,127 17 
 
States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
1,410 94 Demand Certificates of Deposit --------- 
 
4,578 g~ Tim.e Certificates of Deposit_ 21,120 33 
 
300 
 
Savmgs Deposits ----------- --------- 
 
1,178 84 Trust Funds on Deposit_ ____ --------- 
 
Advances on Cotton and Cot- 
 
Cashier's Checks ----------- --------- 
 
ton Seed ---------------- 7,023 00 Certified Checks ------------ ________ _ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 48,000 00 
 
ties -------------------- __________ _ Notes and Bills Rediscounted ________ _ 
 
Checks for Clearing House__ 
 
619 18 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
75 20 Borrowed Money _________ --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Accept'l-nces ---------- --------- 
 
ances -------------------Other Assets: 
 
Reserve for Interest and Taxes --------Other Liabilities ___________ --------- 
 
Overdrafts ----------------- 2,100 63 
 
Total --------------------$254,477 26 Total --------------------$254,477 26 
 
 \ 
 
FIRST ANNUAL REPORT 
 
465 
 
EXAMINER'S B.EPOB.T. 
BANK OF ROCKLEDGE, ROCKLEDGE. 
At Close of Business July 9, 1920. 
President-H. L. Jenkins. Vice-Presidents-J. M. Thigpen, J. I. Maddox. Cashier-L. J. F1anders. 
Directors-H. L. Jenkins, J. M. Thigpen, J. I. Maddox, L. J. Flanders, J. D. Wilson, D. M. King, M. Thigpen, E. L. Branch, J. R. Graham, C. R. \Villiams. 
Date of Charter-July 23, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans and Demand 
 
Capital Stock Paid In_______$ 15,000 00 
 
Loans -------------------$ 35,281 39 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds ____ 
 
--------________ _ ________ _ 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------- 
 
1,750 53 
 
Banking House -----------Furniture and Fixtures_____ Other Real Estate Owned___ _ 
Due from Banks in this State 
 
2,602 80 Due to Banks in this State__ 2,106 61 Due to Banks in other States 
200 00 Call Money ----------------2,632 21 Individual Deposits Subject 
 
Due from Banks in other States ------------------ __________ 
 
to Check ---------------Demand Certificates of Deposit 
 
7,144 01 
 
Currency ------------------ 
 
677 00 Time Certificates of Deposit_ 5,865 04 
 
Gold ----------------------- 
 
15 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ Advances on Cotton_________ Advances on other Commodi- 
 
271 59 _ _______ _ 
 
Cashiers Checks -----------Certified Checks -----------Bills Payable -------------- 
 
C htei ecsk s- -f -o-r - -C-l-e-a-r-i n-g- - -H-o-u-s-e-_ _- -_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
188 50 14,500 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
369 59 Borrowed Money --------Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptanc.es --------- 
 
O vaenrCdersa f-t s- - -( -i f- -a-n-y-)- - -_-_-_ -_ _- _-_- -_ Other Assets: 
 
--------127 10 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
Profit and Loss ------------- 
 
114 44 
 
Cash Short ----------------- 
 
35 
 
Total --------------------$ 44,448 08 Total --------------------$ 44,448 08 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 27,747 49 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
98 41 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 5,000 00 Surplus Fund -------------- 
 
United States Bonds________ --------- Undivided Profits ---------- 1,317 67 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ----------- 
 
Banking House ------------ 2,802 80 Due to Banks in t1lis State__ 
 
Furniture and Fixtures____ _ 2,106 61 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ----------------- 
 
Due from Banks in this State 1,142 21 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 4,000 80 
 
States ------------------ ---------- Demand Certificates of Deposit 
 
Currency ----------------- 
 
598 00 Time Certificates of Deposit_ 5,253 50 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
--------123 10 
 
Savings Deposits ----------Trust Funds on Deposit ___ _ 
 
Advances on Cotton_________ 
 
32 07 Cashier's Checks ----------- 
 
733 33 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f -o-r - -C-l-e-a-r-i n- g- - -H-o-u- -s e- -__Other Checks and Cash Items 
 
--------- 
---142-46 
 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
14,379 12 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- ----------------- 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Assets -------------- 
 
891 27 Other Liabilities ----------- 
 
Profit and Loss 
 
Total ---------------------$ 40,684 42 Total ---------------------$ 40,684 42 
 
 r 
 
466 
 
BANKING DEPARTMENT 
 
EXAMilii'EB'S BEPOBT. 
 
ROCKMART BANK, ROCKMART. 
 
At Close of Business July 26, 1920. 
 
President-James Heaton. Vice-Presidents-A. H. Graefer, J. A. Fambro. Cashier-H. P. Fambro. 
Directors-James Heaton, A. H. Graefer, J. A. Fambro, E. W. Carlton, James F. Dever, D. H. Hubbard, S. D. 'Lee, 0. R. Summerville. 
 
Date of Charter-October 31, 1900. 
 
Began Business-October 31, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$180,(;84 61 Capital Stock Paid In__________ $ 30,00U on 
 
Demand Loans ---------------- 43,198 67 Amount Reserved for Branches 
 
Loans Secured by Real Estate 16 590 13 Surplus Fund ------------- ___ _ 10,000 00 United States Bonds____________ 4:250 00 Undivided P.rofits -------------- 8.102 R5 
 
Other Stocks and Bonds______ 4,510 50 Dividends Unpaid -------------- 
 
8 00 
 
Banking House ---------------- 10,0\lO 00 Due to Banks in this State ___ _ 
 
Furniture and Fixtures________ 3, 700 00 Due to Banks in other States __ 
 
Other Real Estate Owned______ --------- Call Money -------------------Due from Banks in this State__ 12.973 28 Individual Deposits Subject to 
 
Due fll"om Banks in other States 
Currency ---------------------SGiolvlder-, --N--ic-k-e--ls-,---P-e-n-n-i-e-s-_-_-_-_-_-_-_Advances on Cotton____________ Advances on other Commodities 
 
14,719 50 
7,430 00 167 50 654 64 
________ _ ________ _ 
 
Check ----------------------- 106,634 77 Demand Certificates of Deposit 
 
Time Ceritficates of Deposit_ __ 59,5"64 62 
 
Savings Deposits -------------- 88,823 82 
 
Cashier's Checks -------------- 
 
78 85 
 
Certified Checks -------------- 
 
Checks for Clearing House____ Other Checks and Cash Items 
 
261 SO Bills Payable -----------------150 40 Notes and Bills Rediscounted __ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------Overdrafts (if any)____________ 150 66 Liability on Letters of Credit 
 
Other Assets ------------------ 3,770 72 and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$303,2l2 41 Total ------------------------$303,212 41 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$184.Fi64 93 Capital Stock Paid In__________$ 30,000 00 
 
Demand Loans ---------------Loans Secured by Real Estate United States Bonds__________ Other Stocks and Bonds________ 
Banking House ---------------Furniture and Fixtures________ 
 
17,200 74 25.542 24 
4,250 00 4,510 50 
10,000 00 3, 700 00 
 
Amount Reserved for Branches 
Surplus Fund -----------------Undivided Profits ------------Dividends Unpaid ------------Due to Banks in this State___ _ Due to Banks in othel!" States __ 
 
10,000 00 8,043 94 
 
Other Real Estate Owned______ --------- Call Money -------------------- 10,00U 00 Due from Banks in this State__ 14,747 24 Individual Deposits Subject to 
 
Due from Banks in other 
 
States Currency 
 
----------~------- ---------------------- 
 
20.07S 5,77Z 
 
53 00 
 
GSiollvder-, --N-i-c-k-e--ls-,---P-e-n-n--ie--s-_-__-_-_-_--_ 
 
212 fin 1,277 27 
 
Advances on Cotton___________ _ 13,170 87 
 
Check ----------------------Demand Certificates of Deposit Time Certificates: of DeposiL __ Savings Deposits -------------Trust Funds on Deposit_ ______ _ Cashier's Checks -------------- 
 
88,5ll7 13 
47,471 07 !i0,463 24 
19 30 
 
Advances on other Commodities --------Checks for Clearing- House ___ _ 509 91 
Other Checks and Cash Items__ --------Customers' Liability on Letters 
of Credit and Acceptances__ ________ _ Ove,rdrafts (if any)____________ 1,026 9" 
 
Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
 
22,000 00 
 
Other Assets ------------------ ________ _ and Acceptances ------------ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$306,564 6Pj Total ------------------------$306,564 68 
 
 FIRST ANNUAL REPORT 
 
467 
 
EXAMINER'S BEPOB'l', 
 
BANK OF ROCKYFORD, ROCKYFORD, 
 
At Close of Business August 5, 1920. 
 
President-Arthur Burke. Vice-President-W. H. Parker. 
 
D 
 
ir 
 
ectors 
 
Cashier -Arthur Burke, C. H. Pa 
Barber, Orren Binke, 
 
r-IkTsehario,amhwasZ. ePiHgal.rekreW , r.Jri.g!wht., 
 
W. H. Parker, Howard. 
 
B. 
 
B. 
 
Date of Charter-May 28, 1907 
 
Began Business-July 3, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$104,688 33 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 43,381 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 4,327 58 Surplus Fund -------------- 10,000 00 
 
United States Bonds -------- 26,450 00 Undivided Profits ----------- 11,077 88 
 
Other Stocks and Bonds_____ 1,500 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------- 1,667 79 Due to Banks in th1s State__ --------- 
 
Furniture and Fixtures_____ 2,284 26 Due to Banks in other States -------- 
 
Other Real Estate Owned____ --------- Call Money ----------------- --------- 
 
Due from Banks in this State 13,126 94 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 86,122 50 
 
States ------------------- 1,247 88 Demand Certificates of Deposit --------- 
 
Currency -----------------GS iollvde.r ,- -N- -i-c-k-e-l s-,- -P-e-n- -n-i e-s-_-_-_-_- _- 
 
3,525 00 Time Certificates of Deposit_ 124,061 76 20 00 Savings Deposits ___________ --------- 
598 25 CasMer's Checks ----------- 1,775 70 
 
Advances on Cotton_________ --------- Certified Checks ------------ --------- 
 
Advances on other Commodi- 
 
Bills Payable --------------- --------- 
 
ties ---------------------- --------- Notes and Bills Rediscounted --------- 
 
Checks for Clearing House __ 
 
761 47 Certificates of Deposit for 
 
Other Checks and Cash Items --------- Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- --------- 
 
ances -------------------- --------- Reserve for Interest and Taxes --------- 
 
Overdrafts (if any) -------- 
 
16 23 Other Liabilities ----------- 
 
14 26 
 
Other Assets --------------- 26,082 37 
 
Call Money ---------------- 18,500 00 
 
Total ---------------------$248,177 10 Total ---------------------$248,177 10 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$178,066 17 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- --------- Amt. R.eserved for Branches Loans Secured by Real Estate --------- Surplus Fund -------------- 10,000 00 United States Bonds ________ 26,450 00 Undivided Profits ----------- 8,578 24 
 
Other Stocks and Bonds_____ 1,500 00 Dividends Unpaid ----------- 
 
12 00 
 
Banking House ------------- 1,667 79 Due to Banks in this State__ --------- 
 
Furniture and Fixtures_____ 2,284 26 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------- 10,000 00 Due from Banks in this State 4,502 03 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
11,877 68 3,000 00 20 00 
1,861 01 
 
to Check ---------------- 61,317 81 Demand Certificates of Deposit Time Certificates of Deposit_ 107,818 91 
Savings Deposits ----------Trust Funds on Deposit ___ _ 
 
Advances on Cotton_________ --------- Cashier's Checks ----------- 
 
501 98 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- --------- Bills Payable --------------- 18,000 00 Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------Overdrafts (if any) -------- --------- Reserve for Interest and Taxes 
 
Other Assets --------------- --------- Other Liabilities ----------- 
 
Total ---------------------$231,228 94 Total ---------------------$231,228 94 
 
 468 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
CITIZENS BANK, ROME. 
At Close 'of Business November 22, 1920. 
President-W. M. Hardy. Cashier-W. H. Foster. Directors-W. M. Hardy, J. H. O'Neal, W. H. ,Foster, 0. H. Doyle, J. B. Gordon, 
Glenn Landers. Date of Charter-November 1, 18~9. Renewed 1903. Began Business-November, 1889. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$201,958 38 Capital ,stock Paid In__________ $ 50,000 00 Demand Loans ---------------- 2,800 00 Amount Reserved for Branches 
 
Loans Secured by Real Estate 13,945 90 Surplus Fund ----------------- 10,000 00 United States Bonds__________ 18,819 07 Undivided Profits -------------- 11,682 43 
 
Other Stocks and Boruls,______ --------- Dividends Unpaid ------------Banking House ---------------- 25,000 00 Due to Banks in this State___ _ Furniture and Fixtures________ 3,072 11 Due to Banks in othel!" States,__ 
 
Other Real Estate Owned____ 639 55 Call Money -------------------Due from Banks in this State__ 16,853 21 Individual Deoosits Subject to 
 
Due from Banks In other States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies_______ Advances on Cotton____________ 
 
22,682 98 
8,083 00 830 00 
1,800 8"6 --------- 
 
Check ----------------------- 109,48"5 44 Demand Certificates of Deposit 4,804 75 Time Certificates of Deposit__ 7,1IT6 06 STarvuisntgFsuDndeps oosnitsDe-p--o-s-it-_--__-_-_-_-_--_ 61,024 00 
 
Advances on other Commodities --------- Cash:ier's Checks -------------- 31& 43 
 
Checks for Clearing House____ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any)____________ 
Other Assets ------------------ 
 
667 51 754 16 
--------34 38 
________ _ 
 
Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
Liraobwileitdy MoonneLye-tt-e-r-s---o-f--C--r-e-d-i-t 
 
10 0(1 63,000 00 
 
and Acceptances ------------ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
'l'otal ------------------------$317,941 11 Total ------------------------$317,941 11 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$207,945 13 
 
Demand Loans ---------------- 6,559 69 
 
Loans Secured by Real Estate --------U. S. Bonds Unpledged________ 18,731 09 
 
Other Stocks and Bonds______ --------- 
 
Banking House ---------------- 25,000 00 Furniture and Fixtures________ 3,072 11 
 
Other Real Estate Owned______ 639 55 
 
Due from Banks in this' State__ 6,1ll1 42 
 
Due from Banks in other States 2,353 34 
 
Currency ---------------------- 9,378 00 
 
Gold --------------------------- 705 00 
 
Silver, Nickels, Pennies ------- 1,561 66 Advances on Cotton____________ --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House---~ 1,033 79 
 
Other Checks and Cash Items 773 20 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any)------------ 
 
56 31 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid In__________ $ 50,000 00 Amount Reserved for Branches Surplus Fund ----------------- 10,000 00 Undivided Profits ------------- 12,595 13 Dividends Unpaid ------------Due to Banks in this State___ _ Due to Banks in other States__ 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 105,042 00 Demand Certificates of Deposit 4,254 75 Time Certificates of DeposiL_ 5,145 62 SavingJs Deposits -------------- 53,287 31 Trust Funds on Deposit_ ______ _ 
Cashier's Checks -------------- 586 28 Certified Checks -------------Bills Payable ------------------ 43,000 00 Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
Total ------------------------$283,911 09 Total ------------------------$283,911 09 
 
 FIRST ANNUAL REPORT 
 
469 
 
E:X:AMINEB.'S B.EPOB.T. 
 
THE FLOYD COUNTY BANK, ROME. 
 
At Close of Business November 20, 1920. 
 
President~H. E. Kelley. Cashier-G. C. Byars. 
Directors-H. E. Kelley, D. w. Barnett, A. E. Purviance, G. C. Byars, L. F. 
McKoy, H. A. Turner, C. B. Brown, J. E, McConnell, \V. W. Phillips. 
 
Date of Charter-January 8, 1919. 
 
Began Business-January 8, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$295,934 37 Capital Stock Paid In _______$ 50,000 00 Demand Loans ------------- 31,733 66 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Funds ------------- 
 
United States Bonds ------- 3,800 00 Undivided Profits ----------- 
 
Other Stocks and Bonds_____ 28,250 00 Dividends Unpaid ---------- 
 
Banking House ------------ --------- Due to Banks in this State __ 
 
Furniture and Fixtures ____ _: 
 
843 75 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Christmas Saving Club _____ 
 
6,163 16 
 
Due from Banks ------------ 15,517 56 Due from Banks in other 
 
States ------------------ ---------Currency ------------------ 8,368 00 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
80 00 358 10 
 
Individual Deposits Subject Detmo aCnhdeCcekrt-if-i-c-a-t-e-s-o-f-D--e-p-o-s-i-t 197,097 13 'l'ime Certificates of Deposit_ Savings Deposits ----------- 86,087 62 Trust Funds on Deposit ___ _ 
 
Advances on Cotton_________ 
 
80 70 Cashier's Checks ----------- 9,000 00 
 
Advances on other Commodities ---------------------- 
 
--------- 
 
Certified Checks -----------Bills Payable --------------- 
 
-3-5~000-00 
 
Checks for Clearing House__ 5,905 7-2 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
912 07 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------Overdrafts (if any) -------- 1,956 70 Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities: 
 
Transit ------------------ 
 
3 QO Cash Long ----------------- 
 
40 92 
 
Total --------------------$393,7 43 63 Total --------------------$393,7 43 63 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$292,747 75 Capital Stock Paid In-------$ 50,000 00 
 
Demand Loans ------------- 27,700 00 Amt. Re-served for Branches --------Loans Secured by Real Estate --------- Surplus Fund -------------- ---------United States Bonds ________ 8,800 00 Undivided Profits ----------- 11,060 42 
 
Other Stocks and Bonds_____ 28,250 00 Dividends Unpaid ---------- --------Banking House ____ ___ ___ __ ___ - ___ - _ Due to Banks in this State__ . --------- 
 
Furniture and Fixtures_____ 
 
843 75 Due to Banks i:il other States --------- 
 
Other Real Estate Owned____ --------- Cltll Money ----------------- --------Due from Banks in this State 14,386 02 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 206,417 93 
 
States ------------------- 1,593 52 Demand Certificates of Deposit --------- 
 
Currency ------------------ 15,672 00 'l'ime Certificates of Deposit_ --------- 
 
Gold ----------------------- 
 
90 00 Savings Deposits ___________ 84,536 63 
 
Silver, Nickels, Pennies_____ 2,438 63 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton_________ --------- Cashier's Checks ----------- 
 
250 00 
 
Advances on other Commodi- 
 
Certified Checks ------------ --------- 
 
ties ---------------------- --------- Bills Payable --------------- 45,000 00 Checks for Clearing House__ 4,096 22 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptanc-es --------- --------- 
 
Overdrafts (if any) -------- 
 
647 09 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- --------- Other Liabilities ----------- --------- 
 
Total --------------------$397,264 98 Total --------------------$397,264 98 
 
 470 
 
BANKING DErARTl\IENT 
 
EXAMINER'S BEPOB'l'. 
THE BANK OF ROOPVILLE, ROOPVILLE. 
At Close of Business December 3, 1920. 
President-J. vV. Pentecost. Vice-Presidents-H. J. Goodwyn, J. T. Veal. 
Cashier-J. I. Vansant. Directors-J. W. Pentecost, W. T. Freel, L. A. Ware, H. J. Goodwyn, P. P. Staples, 
J. T. Veal, B. F. Roop. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 93,193 18 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
LUonaitnesdSSectautreesd BbyonRdsea_l _E__s_ta_t_e_ 
 
-_-_-_-_-_ _-_-_- -_ 
 
Surplus Fund -------------Undivided Profits ---------- 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
5,000 00 1, 711 59 
20 00 
 
Banking House ------------- 2,599 48 Due to Banks in this State__ --------Furniture and Fixtures_____ 2,286 35 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks ------------ 6,199 68 Individual Deposits Subject 
 
Due from Banks in other States ------------------ _________ _ 
 
Detmo aCnhdeCcekrt-if-i-c-a-t-e-s -o-f-D--e-p-o-s-i-t 
 
Currency ------------------ 
 
72 00 Time Certificates of Deposit_ 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--en--n-ie-s-_-_-_-_-_- 
 
24250 0006 
 
Savings Deposits ----------Trust Funds on Deposit ---- 
 
Advances on Cotton________ 
 
97 44 Cashier's Checks ------------ 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ---------------------- --------- Bills Payable --------------Checks for Clearing House__ 5,058 00 Notes and Bills Rediscounted 
 
31,000 00 44,490 93 
4,796 62 
387 73 5,000 00 
 
Other Checks and Cash Items 
 
409 71 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- 9,500 00 Liability on Letters of Credit 
 
Ovaenrcdersaf-t-s--(-if--a-n-y--) ----------------- 
 
- -3-,-5-5-1 - -6-2 
 
and Acceptances --------Reserve for Interest and Taxe-s 
 
Other Assets: 
 
Other. Liabilities: 
 
Depositors' Guarantee Fund_ Mutual Fire Insurance Fund_ 
 
3,077 75 120 00 
 
Cash 
 
Long ----------------- 
 
23 40 
 
Total --------------------$116,930 27 Total --------------------$116,930 27 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 88,511 33 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
Amt. Reserved for Branches 
 
Loans Secur.ed by Real Estate United States Bonds_______ _ 
 
1,500 00 Surplus Fund -------------Undivided Profits ----------- 
 
5,000 00 1,630 68 
 
Other Stocks and Bonds_____ 
 
Dividends Unpaid ---------- 
 
20 00 
 
Banking House ------------- 2,599 48 Due to Banks in this State__ --------Furniture and Fixtures ____ _ 2,286 3.5 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ----------------- 32,000 00 
 
Due from Banks in this State 2,283 28 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ 
 
3,956 98 Detmo aCnhdeCcekrt-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t 367 00 Time Certificates of Deposit_ 25 00 Savings Deposits ---------187 24 Trust Funds on Deposit_ __ _ 
 
31,096 27. 13,450 12 
 
Advances on Cotton --------- 4, 755 67 Cashier's Checks ----------- 
 
204 00 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f-o-r - -C-l-e-a-r-i n- g- - -H-o- u- -s e- -__- 
 
Bills Payable -------------- 9,000 00 711 30 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) -------- 
 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
Other Assets: Mutual Fire Fund ---------- 
 
Other Liabilities ----------120 00 
 
Cotton Account ------------ 
 
97 44 
 
Total --------------------$107,401 07 Total --------------------$107,401 07 
 
 FIRST ANNUAL REPORT 
 
471 
 
EXAMil!fEB'S BEPOBT. 
 
ROSWELL BANK, ROSWELL. 
At Close of Business October 14, 1920. 
 
President-S. Y. Stribling (Deceased). Vice-President-.J. J. Spalding. Cashier-C. C. Foster. 
Directors-J. J. Spalding, A. Mortz, I. M. Roberts, Hugh Spalding, F. P. Calhoun. 
 
Date of Charter-March 1, 1901. 
 
Began Business-1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 96,864 74 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 26,213 95 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 30,000 00 Surplus Fund -------------- 25,000 00 United States Bonds _______ _ 7,500 00 Undivided Profits ----------- 8,772 18 
 
Other Stocks and Bonds ____ _ 39,342 50 Dividends Unpaid ----------- 
 
6 00 
 
--------- Banking House ------------- 
Furniture and Fixtures_____ 
 
Due to Banks in this State__ 
 
245 81 
 
635 84 Due to Banks in other States 
 
Other Real Estate Owned ___ _ 
 
199 87 Call Money ----------------- 
 
Due from Banks in this State 42,452 03 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 119,446 41 
 
States ------------------- 
Currency -----------------GS iol lvde r ,- - N- -i-c-k-e-l s-,- -P-e- n- -n-i e- s- _-_-_-_- _- 
 
1,393 29 DemandCertificates of Deposit 6,390 00 Time Certificates of Deposit_ 7 4,206 25 
662 50 Savings De,posits ----------719 90 Trust Funds on Deposit_ __ _ 
 
--------- Advances on Cotton ________ _ 
Advances on other- Commodi- 
 
Cashier's Checks ----------Certified Checks ------------ 
 
380 86 
 
--------- C htei ecsk s- -f-o-r - -C-l-e-a-r-i-n~- - -H-o- -u-s-e-__- 
 
Bills Payable -------------8,077 98 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
3,423 
 
40 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-) - -- -- -- -- -- -- -- -- -- 
 
--------07 
 
and Acceptances --------Reserve for Interest and Taxes 
 
1,058 47 
 
Other Assets --------------- 
 
Other Liabilities: Sundry Credits ------------ 2, 727 57 
 
Cash Long ----------------- 
 
1 32 
 
... Total --------------------$256,845 17 Total --------------------$256,845 17 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 77,371 65 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds __ ~_ 
Banking House ------------Furniture and Fixtures_____ Other Real Estate Owned___ _ Due from Banks in this State 
 
29,169 36 Amt_ Reserved for Branches --------- 
 
Surplus Fund -------------- 25,000 00 
 
7,550 00 Undivided Profits ----------- 8,270 87 
 
38,262 50 Dividends Unpaid ----------- 
 
24 00 
 
Due to Banks in this State__ _________ 
 
--------= 635 84 Due to Banks in other States ------- 
 
199 74,321 
 
87 78 
 
CInadllivMidounaely -D-e-p-o--si-t-s---S-u-b-j-e-c-t 
 
Due from Banks in other 
States ------------------Currency -----------------GS iol lvde r ,- - N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-_-_-_-_ -_ Advances on Cotton ________ _ 
 
4,025 25 9,945 00 
800 00 515 02 
 
to Check ----------------- 120,089 42 Demand Certificates of Deposit Time Certificates of Deposit_ -6-{078-27 Savings Deposits ___________ --------- 
 
Trust Funds on Deposit ____ --------- 
 
Cashier's Checks ----------- 
 
205 47 
 
Advances on other Commodi- 
C htei ecsk s- -f -o-r - -C-l-e-a-r-i n- g- - -H-o-u- -s e- -__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
BC ielrltsi f iPe da yCa bhleec k-s- -------------------- -- -- 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _________ Liability on Letters of Credit 
 
_-_-_-_-_-_-_-_-_--------- 
--------- 
 
# 
 
ances -------------------Overdrafts (if any) --------- 
 
--------67 
 
and Acceptances --------- --------Reserve for Interest and Taxes 1,406 64 
 
Other Assets: 
 
Other Liabilities ----------- --------- 
 
War Savings Stamps ------- 1,000 80 
 
Cash Short ----------------- 
 
10 78 
 
Total ____________________ $244,074 67 Total --------------------$244,074 67 
 
 r 
l ! 
472 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S BEPOBT. 
 
FARMERS BANK, ROYSTON. 
 
At Close of Business July 21, 1920. 
 
President-W. D. Bowers. Vice-President-L. N. McWhorter. Cashier-E. F. Ray. 
 
Directors-'\V. D. Bowers, L. M. McWhorter, Jno. H. Holbrook, W. C. Berryman, 
 
H. J. Sanders, '\V. N. McEwen, M. T. Fleming. 
 
Date of Charter-July 11, 1907. 
 
Began Business-October 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$204,719 55 Capital Stock Paid In _______ $ 30,300 00 
 
Demand Loans ------------- 33,641 30 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 9 900 00 Surplus Fund -------------- ________ _ 
 
United States Bonds -------- 9;650 00 Other Real Estate Owned____________ _ 
 
Undivided Dividends 
 
Profits Unpaid 
 
------------------ 
 
24,909 07 20 00 
 
Banking House ------------- 4,216 41 Due to Banks in this State__ --------- 
 
Furniture and Fixtures_____ Other Real Estate Owned____ 
 
2,204 61 ________ _ 
 
Due to Banks in other States -------Call Money ---------------- 20,000 00 
 
Due from Banks in this State 1,604 04 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 129,884 89 
 
States ------------------Currency -----------------GS iol lvde r ,- - N- -i-c-k-e-l s-,- -P- e- -n-n-i e- s- -_-_ _-_- -_ 
 
2,545 92 Demand Certificates of Deposit --------- 
 
5,140 00 Time Certificates of DeposiL 80,542 60 
 
932 1,117 
 
50 04 
 
~;~h~~~sD<g>~:~~~ -========== 
 
--1~3~4-67 
 
Advances on Cotton ________ --------- Certified Checks ------------ 2,880 67 
 
Advances on other Commodi- 
 
Bills Payable -------------- --------- 
 
ties ---------------------Checks for Clearing House __ 
 
--------371 8Z 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
--------- 
 
Other Checks and Cash Items 4,066 27 Borrowed Money _________ --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- --------- 
 
ances -------------------- _________ Reserve for Interest and Taxes --------- 
 
Overdrafts (if any) -------- 
 
259 32 Other Liabilities ----------- --------- 
 
Other Assets --------------- 9,553 12 
 
Total --------------------$289,921 90 Total --------------------$289,921 90 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$244,775 88 Demand Loans ------------- 19,869 90 
 
Capital Stock Paid In_______$ 30,300 00 Amt. Reservea for Branches ________ _ 
 
Loans Secured by Real Estate .--------- Surplus Fund -------------- --------- 
 
United States Bonds________ --------- Undivided Profits ----------- 21,558 55 
 
Other Stocks and Bonds_____ Banking House ------------- 
 
--------4,216 41 
 
Dividends Unpaid --------Due to Banks in this State__ 
 
_ ____2_0__00_ 
 
Furniture and Fixtures_____ 2,204 61 Due to Banks in other States 
 
Other Real Estate Owned____ --------- and Call Money ---------- 8,000 00 
 
Due from Banks in this State 14,065 97 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton________ _ 
 
to Check ----------------- 106,669 23 4,823 50 Demand Certificates of Deposit ________ _ 4,854 00 Time Certificates of Deposit_ 66,371 14 
972 50 Savings Deposits ----------- _____,___ _ 2,011 02 Trust Funds on Deposit_____ --------3,273 73 Cashier's Checks ----------- 1,647 00 
 
Advances on other Commodi- 
 
Certified Checks ------------ _________ 
 
ties ---------------------Checks for Clearing House__ 
 
----------------- 
 
BNioltless PaanydabBleills--R--e-d-is-c-o-u--n-te-d- 
 
67,500 00 ________ _ 
 
Other Checks and Cash Items 
 
739 08 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _________ --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) -------- 
 
and Acceptances _________ --------259 32 Reserve for Interest and Taxes ---------  
 
Other Assets --------------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$302,065 92 Total --------------------$302,065 92 
 
 FIRST ANNUAL REPORT 
 
473 
 
EXAMINER'S REPORT. 
 
THE ROYSTON BANK, ROYSTON. 
At Close of Business September 2'8, 1920. 
 
President---'Luther Bond. Cashier----,J. Frank Lee. 
 
Directors-\V. D. Bowers, J. S. Campbell, L. W. Dorrough, C. A. Ginn, R. M. 
 
Date of Charter-1901. 
 
Turner, C. A. '\Vilder. Began Business-November 7, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$444,069 29 Capital Stock Paid In ________$ 60,000 00 
 
Demand Loans ------------- 21,331 47 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ Other Stocks and Bonds____ Banking House ------------Furniture and Fixtures_____ Other Real Estate Owned____ 
Due from Banks in this State Due from Banks in other 
 
14 099 00 25:516 00 
6,000 00 3,400 00 3,400 00 ________ _ 
8,432 19 
 
Surplus Fund _____________ _ 15,000 00 
 
Undivided Profits ---------- 34,166 65 
 
Dividends Unpaid ----------Due to Banks in this State __ 
 
70 00 135 21 
 
Due to Banks in other States 
 
Call Money ----------------Individual Deposits Subject 
 
to Check ---------------- 184,220 10 
 
States ------------------- 14,656 94 Demand Certificates of Deposit 
 
Currency ------------------ 3,869 00 Time Certificates of Deposit_ 151,165 00 
 
Gold ----------------------- ________ _ Savings Deposits __________ _ 
 
Silver, Nickels, Pennies_____ Advances on Cotton_________ Advances on other Commodi- 
ties ---------------------Checks for Clearing House__ 
 
2,472 96 15,496 08 
________ _ 65 02 
 
Trust Funds on Deposit ---Cashier's Checks __________ _ 
 
630 66 
 
Certified Checks ------------ 
 
Bills Payable -------------- 142,000 00 
 
Notes and Bills Rediscounted 5,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
43 51 Certificates of Deposit for Borrowed Money --------- 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_ -_ -_ _- _- _- _- _- 
 
- -2-, 9-0-2- - 8- 8- 
 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
Other Assets --------------- 26,633 28 Other Liabilities __________ _ 
 
Total --------------------$592,387 62 Total --------------------$592,387 62 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$352,359 78 Demand Loans _____________ 26,704 99 
Loans Secured by Real Estate 13,819 00 United States Bonds________ 20,000 00 Other Stocks and Bonds____ 6,400 00 
 
Capital Stock Paid In_______ $ 60,000 00 
 
Amt. Re,served for Branches --------Surplus Fund ______________ 15,000 00 
 
Undivided Profits ---------- 26,071 46 
 
Dividends Unpaid __________ 
 
80 00 
 
Banking House ------------Furniture and Fixtures_____ Other Real Estate Owned____ 
Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------ 
 
3,400 00 3,840 00 ________ _ 10,979 09 
12,021 08 2,399 00 
 
Due to Banks in this State__ --------Due to Banks in other States -------- 
Call Money ----------------- --------Individual Deposits Subject 
to Check ----------------- 155,305 40 Time Certificates of Deposit_ 117,334 00 Savings Deposits ----------- _________ 
 
GS iollvde r ,- - -N-i-c-k-e-l s-,- -P- e- -n-n-i e- s- _- _-_-_- -_ Advances on Cotton _______ _ 
Advances on other Commodities ---------------------- 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,367 50 187 62 
13,718 40 
________ _ 1,464 56 
________ _ 
 
Trust Funds on Deposit ---- --------Cashier's Checks ----------- 3,784 06 Certified Checks ------~----- --------Bills Payable -------------- 100,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money --------- --------Liability on Letters of Credit 
and Acceptances _________ --------- 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_ -_ _- _- _-_- -_ 
 
________ _ 1,513 90 
 
Reserve for Interest and Taxes Other Liabilities ___________ 
 
________ _ ________ _ 
 
Other Assets: 
 
Cotton Drafts for Collection_ 6,145 00 
 
Advanced on Bonds --------- 2,255 00 
 
Total --------------------$477,574 92 Total --------------------$477,574 92 
 
 474 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
BANK OF RUTLEDGE, RUTLEDGE. 
 
At Close of Business July 7, 1920. 
 
President-W. P. Wallace. Vice-Presidents-M. L. Wallace, E. C. Ponder. 
 
Di,rectors-W. P. Wallace, M. L. Wallace, E. C. Ponder, Thos. Peacock, R. \V. \Vallace, B. E. Hallaway, G. A. Brown. 
 
Date of Charter-1898. 
 
Began Business-1898. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$272,708 07 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans -------------- 21,308 03 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 25,000 00 United States Bonds________ ________ _ Undivided Profits ----------- 10,072 48 Other Stocks and Bonds_____ _ _______ _ Dividends Unpaid --~------- --------- 
 
Banking House ------------ 1,000 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures_____ 
 
600 00 Due to Banks in other States _______ _ 
 
Other Real Estate Owned____ _________ Call Money ---------------- --------- 
 
Due from Banks in this State 62,508 51 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 185,450 46 
 
States ------------------- 11,242 10 Demand Certificates of Deposit --------Currency ------------------- 4,500 00 Time Certificates of Deposit_ 33,206 80 
 
GS iol vl de r ,- - -N-i-c-k-e-l s-,- -P- e-n- n- -i e-s-_-_-_-_-_Advances on Cotton ________ 
 
_ _1_,_1_8_6__56_ ________ _ 
 
Savings Deposits ----------Trust Funds on Deposit ---Cashier's Checks ----------- 
 
----------------________ _ 
 
Advances on other Commodi- 
 
Certified Checks ------------ _________ 
 
C htei ecsk s- -f-o-r - -C-l-e-a-r-i n- g- - -H-o- u- -s e- -__- 
 
--------227 75 
 
Bills Payable --------------Notes and Bills Rediscounted 
 
55,000 00 --------- 
 
Other Checks and Cash Items 2,280 25 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
O vaenrcdersa f-t -s - -(-i f- -a-n-y-)- - -_-_-_-_-_-_-_-_ 
 
- -1-,-0-9-9- -47- 
 
and Acceptances --------Reserve for Interest and Taxes 
 
----------------- 
 
Other Assets -------------- 
 
89 00 Other Liabilities ----------- --------- 
 
Total --------------------$358,729 7 4 Total --------------------$358,729 74 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$208,158 35 Capital Stock Paid In_______ $ 50,000 00 Demand Loans _____________ 45,015 37 Amt. Re,served for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 25,000 00 
 
United States Bonds________ --------- Undivided Profits ---------- 9,906 25 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- --------- 
 
Banking House ------------ 1,000 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures_____ 
 
600 00 Due to Banks in other States -------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- ___,_____ _ 
 
Due from Banks in this State 30,178 11 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 101,782 05 
 
States ------------------- 7,381 32 Demand Certificates of Deposit 28,324 22 
 
Currency -----------------Gold ----------------------- 
 
9,100 00 --------- 
 
TSaimviengCserDtiefpicoastietss _o_f__D_e_p_o_s_i_t__ 
 
-_ -_-_ -_ _- _- _-_- -_ 
 
Silver, Nickels, Pennies ____ _ 1,023 08 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton _______ _ 4,583 20 Cashier's Checks ----------- --------- 
 
Advances on other Commodities --------------------- 
 
--------- 
 
Certified Checks -----------Bills Payable --------------- 
 
-----90,000 
 
-o-o- 
 
Checks for Clearing House __ 
 
622 57 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 
 
180 34 Certificates of Deposit for 
 
Customers' Liab1lity on Let- 
 
Borrowed Money _________ --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O va ne rcdersa f-t s- - -(-i-f - -a-n-y-)- -_-_ _- _- _-_-_- -_ 
 
--------124 30 
 
and Acceptances _________ Reserve for Interest and Taxes 
 
----------------- 
 
Other Assets --------------- 
 
--------- 
 
Other Liabilities: Due Clearing House ________ 
 
2,954 12 
 
Total --------------------$307,966 64 Total --------------------$307,966 64 
 
 FIRST ANNUAL REPORT 
 
475 
 
EXAMINER'S BEPOB'l'. 
 
THE BANK OF CAMDEN COUNTY, ST. MARYS. 
 
At Close of Business September 27, 1920. 
 
President-J. S. N. Davis. Vice-President-J. C. Buic. Cashier-J. F. Hughes. 
 
Directors-J. S. N. Davis, G. W. Brandon, H. F. Rudolph, J. C. Buie, J. B. Rudolph, C. S. Johnson, J. R. Bashlott, S. C. Townsend, H. C. Russell. 
 
Date of Charter-September 16, 1911. 
 
Began Business-December 5, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 79,447 87 Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds____ _ 
Banking House -----------Furniture and Fixtures_____ _ Other Real Estate Owned___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------GSoillvder-, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton _______ _ Advances on other Commodi- 
 
9,488 18 Amt. Reserved for Branches --------Surplus Fund -------------- ________ _ 
 
6,550 00 Undivided Profits ---------- 10,454 19 
 
Dividends Unpaid ---------- --------3,688 53 Due to Banks in this State__ --------- 
 
2,370 76 Due to Banks in other States -------- 
 
Call Money ---------------- --------649 28 Individual Deposits Subject 
 
to Check ----------------- 41,869 56 
 
4,263 1,188 
 
89 00 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
-9~5()5-15 
 
5 00 Savings Deposits __________ 21,904 02 
 
946 99 Trust Funds on Deposit______ --------- 
 
Cashier's Checks ------------ 
 
651 50 
 
Certified Checks ----------- --------- 
 
C ht ei ecsk s- -f-o-r- -C-l-e-a-r-i n- g- - -H-o-u- -s e- -__- 
 
Bills Payable -------------- 12,000 00 129 H1 Notes and Bills Rediscounted 3,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
844 67 Certificates of Deposit for Borrowed Money ---------- --------- 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( -i f- -a-n- -y-)---------------- -- 
 
and Acceptances --------- --------4,842 02 Reserve for Interest and Taxes ________ _ 
 
Other Assets --------------- 
 
Other Liabilities: 
 
Cash Long ----------------- 
 
30 08 
 
Total --------------------$114,414 50 Total ____________________ $114,414 50 
 
, 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 97,677 61 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------- 
 
Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund -------------- 
 
United Seates Bonds ______ _ 6,650 00 Undivided Profits ---------- 9,683 00 
 
Other Stocks and Bonds____ _ 
 
Dividends Unpaid ---------- 
 
Banking House ------------- 3,6gs 53 Due to Banks in this State 
 
906 52 
 
Furniture and Fixtures ___ _ 2,370 76 Due to Banks in other States 
 
Other Real Estate Owned 
 
Call Money ---------------- 
 
Due from Banks in this State 3,993 58 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P-e-n-n- -i e-s- - -__-_- -_ Advances on Cotton _______ _ 
 
to Check ----------------2.511 47 Demand Certificates of De4,31>6 00 posit --------------------- 
15 00 Time Certificates of Deposit 1,539 02 Savings Deposits ---------- 
Trust Funds on Deposit_____ _ 
 
47,535 77 
-IOO no 
10,005 Hi 22,467 05 
 
Advances on other Commodi- 
 
Cashier's Checks ------------ 2,150 17 
 
Chteiecsks--fo--r --C-l-e-a-r-in-g---H-o-u--se--__Other Checb1 and Cash Items 
 
C.ertified Checks ----------Bills Payable --------------- 12,000 00 244 24 Notes and Bills Rediscounted 3,000 00 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money _________ _ 
 
ances -------------------Overdrafts (if any)--------- 
 
Liallility on Letters of Credit 91 45 and Acceptances ________ _ 
 
Other Assets --------------- 
 
Reserve for Interest and Taxes Other Liabilities ___________ _ 
 
Total --------------------$123,147 66 'l'otnl ____________________ $123,147 66 
 
 r 
 
476 
 
BANKING DEPAHTl\IENT 
 
E:X:AMINE:R'S :REPO:RT. 
 
BANK OF SALE CITY, SALE CITY. 
 
At Close of Business October 21, 1920. 
 
President-L. 0. Benton. Vice-President-\V. M. Smith. Cashier-F. C. Tabor. 
 
_ Directors-L. 0. Benton, W. M. Smith, A. H. Hancock, \V. T. Moore, F. C. Tabor. 
 
Date of Charter-April 15, 1918. 
 
Began Business-May, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 36,201 42 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans ------------- 
 
Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds_______ _ Other Stocks and Bonds ___ _ 
 
15,000 00 Surplus Fund -------------1,250 00 DUnivdiidveidnedds UPnropafiitds __-_-_-_-_-_--_-_-_-_ 
 
5,000 00 --------- 
1,800 00 
 
BFaunr nk iint ugr eH oa nuds eF-i -x-t u- -r e- -s-_-_-__-_- -_ 
Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
 
3,000 00 Due to Banks in this State__ --------1,140 80 Due to Banks in other States _______ _ 
Call Money ---------------- --------8,4 65 62 Individual Deposits Subject 
to Check ----------------- 41,453 23 
 
States ------------------- 1,723 89 Demand Certificates of Deposit --------- 
 
Currency ------------------GSiollvder-, -N--ic-k-e-l-s-,-P--e-n-n-i-e-s--_-__--_- 
 
4,149 00 Time Certificates of Deposit 10,585 87 
 
75 00 369 28 
 
STarvuisntgFsuDndespoosnitDs e-p-o-s-it-_-_-_-_-_-_- 
 
-_ -_-_-_ -_ _- _- _- -_ 
 
Advances on Cotton -------- 
 
Cashier's Checks ----------- 
 
922 17 
 
Advances on other Commodi- 
 
Certified Checks ----------- --------- 
 
C htei ecsk s- -f-o-r - -C-l-e-a-r-i n- g- - -H-o-u- -s e- -__- 
 
BNioltlessPaanydabBleill-s--R--e-d-is-c-o-u--n-te-d- _-_-_-_-_-_-_-_--_ 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money ---------- --------T~iability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -- -- -- ---------- 
 
and Acceptances --------- --------2,902 06 Reserve for Interest and Taxes --------- 
 
Other Assets: Profit and Loss ------------ 
 
Other Liabilities ------------ --------484 20 
 
Total --------------------$ 74,761 27 Total --------------------$ 7_4,761 27 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 40,254 62 Capital Stock Paid In ------$ 15,000 00 
 
Demand Loans -------------- 
 
200 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real gstate 
 
Surplus Fund -------------- 5,000 00 
 
United States Bonds_______ _ 
 
Undivided Profits ---------- --------- 
 
Other Stocks and Bonds --~ 1,250 00 Dividends Unpaid ---------- 1,800 00 
 
Banking House ------------Furniture and Fixtures____ _ Other Real Estate Owned___ _ Due from Banks in this State 
 
3,000 00 Due to Banks in this State__ --------1,140 80 Due to Banks in other States -------- 
Call Money ---------------- --------2,532 26 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------SGiol vl de r ,- -N- -i -c -k-e-l s-,- -P-e-n- n- -i e-s- - -__-_- -_ Advances on Cotton _______ _ Advances on other Commodi- 
C htei ecsk s- -f -o-r - -C-l-e-a-r-i n- g- - -H-o-u- -s e- -__Other Checks and Cash Items Customers' Liability on Let- 
 
to Check ----------------- 22,512 92 1,261 97 Demand Certificates of Deposit ________ _ 
 
3,205 00 80 00 
 
STaimviengCs eDrteifpiocasitetss _o_f__D__e_p_o_s_i_t 
 
9,580 87 ________ _ 
 
407 01 Trust Funds on Deposit______ --------- 
 
Cashier's Checks ------------ 
 
576 60 
 
CBeilrltsifiPedayaCbhleeck_s__-_-__-_-_-_-_-_-_-_-_- ________________ __ 
 
Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money __________ _________ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -(-i f- -a-n-y-)- - -_ -_ _- _-_-_-_- -_ Other Assets: 
 
and Acceptances --------- --------Reserve for Interest and Taxes --------Other Liabilities ------------ _______ ... 
 
Profit and Loss ------------ 1,137 73 
 
Total ____________________ $ 54,470 39 Total --------------------$ 54,470 39 
 
 FIRST ANNUAL REPORT 
 
477 
 
EXAMINER'S BEPOB'l'. 
 
CITIZENS BANK, SANDERSVILLE. 
 
At Close of Business October 12, 1920. 
 
PNsident-G. G. Rawlings. Cashier-H. I. Bridges. 
 
Directors-C. G. Rawlings, R. L. Smith, J. H. Powell, w. F. Rawlings, C. B. Chap- 
 
man, Dan C. Harris. 
 
Date of Charter-December 2, 1905. 
 
Began Business-March 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$222,338 48 Capital Stock Paid In ______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds ________ 
 
49,423 41 ________ _ 22,200 oo 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------- 
 
--------50,000 00 15,072 28 
 
Other Stocks and Bonds____ 20,400 00 Dividends Unpaid __________ ________ _ 
 
Banking House ------------Furniture and Fixtures_____ Other Real Estate Owned____ Due from Banks in this State Due from Banl<s in other 
States -~-----------------Currency ------------------Gold ----------------------Silver, Nickels, Pennies ____ Advances on Cotton ________ 
Advances on other Commodi- 
Cht~~~s -;;~-c1eii~ing-iioU:se== 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
--------5,360 98 4,09R 00 7,972 24 
106 74 2,121 00 ________ _ 
533 57 ________ _ 
--5~929-37 271 22 
 
Due to Banks in this State__ --------Due to Banks in other States _______ _ 
 
Call Money ---------------- --------Individual Deposits Subject 
to Check ________________ 95"949 24 
 
Demand Certificates of Deposit --------Time Certificates of Deposit 31,292 56 
 
Savings Deposits ------- ,___ --------- 
 
Trust Funds on Deposit______ --------- 
 
Cashier's Checks ----------- 
 
870 11 
 
Certified Checks ------------ 
 
686 27 
 
Bills Payable -------------- 115,000 00 
 
Notes and Bills Rediscounted --------- 
 
Certificates of Deposit for 
 
Borrowed Money __________ --------- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_ -_ _- _- _- _- _- 
 
-' 7- -, 1-7-2- - -f,O- 
 
and Acceptances --------- --------Reserve for Interest and Taxes ________ _ 
 
Other Assets: 
 
Other Liabiliti,es ------------ --------- 
 
vVar Savings Stamps ------ 
 
642 85 
 
Total --------------------$358,870 46 Total --------------------$358,870 46 
 
BANK'S S'l'ATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $} 27,602 49 Capital Stock Paid In ______ $ 50,000 00 
 
Demand Loans ------------- 29,063 97 Amt. Reserved for Branches --------Loans Secured by Real Estate 58,054 18 Surplus Fund -------------- 43,710 39 United States Bonds ________ 20,000 00 Undivided Profits ----------- ________ _ Other Stocks and Bonds ____ 20,300 00 Dividends Unpaid __________ __ _____ __ 
 
Banking House ------------- ________ _ Due to Banks in this State__ --------Furniture and Fixtures ____ 5,360 98 Due to Banks in other States ________ _ Other Real Estate Owned____ 4,0~R oo Call Money ________________ ________ _ 
 
Due from Banks in this State 22,582 60 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
to Check -------------- ....75,544 31 fi2fi fiH Demand Certificates of Deposit ________ _ 
 
Currency ------------------- 2,000 00 'l'ime Certificates of' Deposit 36,751 28 
 
Gold ----------------------Silver, Nickels, Pennies _____ 
 
--------519 42 
 
TSaruvisntgFsuDndespoosnitDs e-p-o-s-it-_-_-_-_-_-_- 
 
-_-_-_-_-_ _- _- -__- 
 
Advances on Cotton ________ 11,293 33 Cashier's Checks ____________ 2,345 80 
 
Advances on other Commodi- 
 
Certified Checks ----------- _______ __ 
 
C htei ecsk s- -f -o-r - -C-l-e-a-r-i n-g- - -H-o-u-s-e-_-_- 
 
_- -_ _- _- _- _-_- -__- 
 
Bills Payable -------------- 105,000 00 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items 11,308 37 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- _______ __ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances _________ --------Overdrafts (if any) -------- _______ __ Reserve for Interest and Taxes ________ _ 
 
Other Assets: 
 
Other Liabilities ------------ --------- 
 
'Var Savings Stamps -------- 
 
642 85 
 
Total ---------------------$313,351 78 Total ----------------------$313,351 78 
 
 478 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
PEOPLES BANK, SARDIS. 
 
At Close of Business October 30, 1920. 
 
President~w. D. Bell. Vice-President-B. F. Bargeron. Cashier-F. T. Benson. 
 
Directors-W. D. Bell, B. F. Bargeron, J. B. Smith, F. B. Godbee, W. W. Hillis, 
 
E. 0. Mays, J. F. Cliance. 
 
Date of Charter-June 8, 1911. 
 
Began Business-August, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
~~~~n~ ~~~ans-=============$ ========: 0 
United States Bonds ______ Other Stocks and Bonds______ 
 
Capital Stock Paid In ------$ 25,000 00 
 
30,664 950 
 
14 00 
 
Amt. Reserved for Branches Surplus Fund --------------Undivided Profits ---------- 
 
6,000 00 6,456 10 
 
Banking House -----------Furniture and Fixtures ____ Other Real Estate Owned__ Due from Approved Reserve 
Agents ------------------- 
 
8,000 00 --------- 
868 02 15,320 38 
 
Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
________ _ Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
31,487 78 
 
Currency ------------------ 
 
952 Ou Time Certificates of Deposit_ 
 
7 00 
 
Gold ----------------------- _________ Silver, Nickels, Pennies ______ 715 79 Advances on Cotton ________ 4,164 7~ 
Advances on other Commodities ---------------------- _________ 
 
Savings Deposits ----------- 
Cashier's Checks ----------Certified Checks ----------Bills Payable -------------Notes and Bills Rediscounted 
 
Checks for Clearing House__ 
 
861 43 Certificates of Deposit for 
 
1,394 64 
35,000 00 65,465 41 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
--------- 
 
Borrowed Money ---------Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ________ _ 1,000 00 
 
ances -------------------- 1,000 00 Reserve for Interest and Taxes 
 
Ove-rdrafts (if any) Other Assets: 
 
-------- 
 
--------- 
 
Other Liabilities ------------ 
 
Cash Items (Irregular) ____ 
 
133 49 
 
Cash ----------------------- 
 
66 81 
 
Total --------------------$171,810 93 Total --------------------$171,810 93 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$111,745 25 Capital Stock Paid In ______ $ 25,000 00 Demand Loans ------------- _________ Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ____ 
Banking House -----------Furniture and Fixtures______ Other Real Estate Owned____ Due from Banks in this State 
 
15,469 69 31,122 10 
950 00 
8,000 00 ________ _ 
868 02 5,021 81 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State Due to Banks in other States Call Money ---------------Individual Deposits Subject 
 
6,000 00 6,561 56 
 
Due from Banks in other C uSrtraetnecsy- -- -- -- -- -- -- -- ------~----------------- 
 
to Check ----------------- 19,117 02 
 
24 59 2, 768 00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
--1~oo7-oo 
 
GS iol vl de r ,- -N- -i-c-k-e-l s-,- -P-e-n- -n-i e-s- - -_-_ _- _- 
 
--------174 08 
 
Savings Deposits ----------Trust Funds on Deposit_ ____ _ 
 
Advances on Cotton ________ Advances on other Commodi- 
ties ---------------------Checks for Clearing House__ 
Other Checks and Cash Items Overdrafts (if any) -------- 
 
104 77 
________ _ ________ _ 
494 47 ________ _ 
 
Cashier's Checks ----------BC ei lrltsi f iPe da y aCbhleec k_s_ _ -_ -_ _- _- _- _- _- _-_-_- -_ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _________ _ 
 
256 71 
36,000 00 67,330 80 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Trade Acceptances ________ 10,000 00 and Acceptances ________ _ 1,000 00 
 
Reserve for Interest and Taxes 
 
Other Liabilities ------------ 
 
Total -------------------- __ $162,273 09 Total ______________________ $162,27 3 on 
 
 FIRST ANNUAL REPORT 
 
479 
 
EXAMINER'S BEPOBT. 
 
BANK OF SASSER, SASSER. 
 
At Close of Bus'iness November 17, 1920. 
 
President-C. C. Brim. Vice-President-W. E. Brim. Cashier-B. H. Hill. 
 
Directors-C. C. Brim, W. E. Brim, E. F. Brim, A. T. "\Vall, J. C. James, T. E. Miller. 
 
Date of Charter-January, 1905. 
 
Began Business-1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$100,367 06 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans ------------- 2,200 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ______ 
 
5,000 00 10,300 00 
 
Surplus Fund -------------Undivided Profits ----------- 
 
25,000 00 6, 704 64 
 
Other Stocks and Bonds ____ 1,500 00 Dividends Unpaid ---------- 
 
Banking House ------------ 2,192 50 Due to Banks in this State 
 
Furniture and Fixtures ____ 2,100 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State 18,234 69 Individual Deposits Subject 
 
Due from Banks in other States -------------------- 
 
14,641 26 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
92,183 38 
 
Currency ------------------- 5,773 00 Time Certificates of Deposit 4,636 27 
 
Gold ----------------------- _________ Savings Deposits ----------- 
 
Silver, Nickels, Pennies______ 
 
722 00 Trust Funds on Deposit_ ____ _ 
 
Advances on Cotton________ T9,968 68 Cashier's Checks _________ _ 
 
159 40 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
ties ---------------------- ________ _ Bills Payable -------------- 8,000 00 
 
Checks for Clearing House__ 
 
36 00 Notes and Bills Rediscounted 21,487 46 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- - -( i-f- -a-n-y-)- - -_-_-_-_-_-_ -_ _- 
 
- - - -1 4- 1- - -48- 
 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
Other Assets ---~------------ --------- Other Liabilities ------------ 
 
5 52 
 
Total --------------------$183,176 67 Total --------------------$183,176 67 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 86,036 70 Capital Stock Paid In ------$ 25,000 00 
 
Demand Loans -------------- 2,200 00 Amt. Reserved for Branches 
 
Loans Secured by Real EJstate 
 
Surplus Fund -------------- 25,000 00 
 
United States Bonds ------ 10,300 00 Undivided Profits ----------- 6,628 62 
 
Other Stocks and Bonds ___ _ 1,500 00 Dividends Unpaid ---------- 
 
Banking House ------------- 2,192 50 Due to Banks in this State Furniture and Fixtures _____ _ 2,100 00 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 11,382 20 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
14,871 61 Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
71,688 63 
 
Currency ------------------GSiollvder--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-__--_ 
 
6,980 00 Time Certificates of Deposit Savings Deposits __________ _ 
775 16 Trust Funds on Deposit_ ____ _ 
 
Advances on Cotton _______ _ 18,437 32 Cashier's Checks ------------ 
 
4,536 27 169 10 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
Chteiecks s--f-o-r--C-l-e-a-r-in-g---H-o-u--se--__- 
 
Bills Payable -------------- 8,000 00 3,026 42 Notes and Bills Rediscounted 19,349 29 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) -------- 
 
and Acceptances --------570 00 Reserve for Interest and Taxes 
 
Other Assets ---------------- 
 
Other Liabilities ------------ 
 
Total ---------------------$160,371 91 Total --------------------$160,371 91 
 
 480 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOBT. 
AMERICAN BANK & TRUST COMPANY, SAVANNAH. 
 
President-\V. V. Davis. Cashier-J. C. Berry. 
 
Directors--E. W. Rosenthal, W. V. Davis, H. C. Anderson, A. W. Strobhar, J. C; Berry. L. A. Smith, Frank ,Shoals, F. P. Mcintire, C. P. Fuller, S. N. Harris, J. A. Schwarz, V. G. Schrech, Ch'as. W.iJkins, W. B. Crawford. 
 
Date of Charter-January 11,1915. 
 
Began Business-January 15, 1915. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$757,070 50 Capital Stock Paid In ------$200,000 00 Demand Loans ------------- 206,219 53 Amt. Reserved for Branches _________ Loans Secured by Real Estate 164,501 65 Surplus Fund -------------- 12,500 00 United States Bonds ________ 215,640 00 Undivided Profits ----------- 3,582 80 Other Stocks and Bonds____ 32,150 00 Dividends Unpaid ___ ------ --------- 
 
Banking House ------------- --------- Due to Banks in this State__ 
 
100 00 
 
Furniture and Fixtures ____ 15,633 89 Due to Banks in other States --------- 
 
Other Real Estate Owned____ _________ Call Money ---------------- --------- 
 
Due from Approved Reserve 
 
Individual Deposits Subject 
 
Agents ------------------- 76,376 18 to Check ----------------- 313,063 38 
 
Due from Banks in other 
 
Demand Certificates of De- 
 
States ------------------- --------- posits ------------------- 8,035 00 
 
Currency ------------------Gold ----------------------- 
 
11,844 3 
 
00 50 
 
Time Certificates Savings Deposits 
 
of Deposit ---------- 
 
3,200 349,892 
 
00 27 
 
Silver, Nickels, Pennies ____ 4,655 93 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton ________ Advances on other Commodi- 
ties ---------------------Checks for Clearing House Other Checks and Cash Items 
 
--------________ _ ________ _ ________ _ 
 
Cashier's Checks ----------- 
 
339 39 
 
Certified Checks ------------ 
 
609 24 
 
Bills Payable -------------- 302,200 00 
 
Notes and Bills Rediscounted 310,S49 32 
 
Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money ---------- --------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------- --------- 
 
Overdrafts (if any) -------- 12,212 83 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- 
 
5 39 Other Liabilities __________ 16,893 67 
 
Total ------------------$1,521,264 97 Total ------------------$1,521,264 97 
 
BANK'S STATEMENT at Close of Business December u;, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$826,624 10 Capital Stock Paid In ______$200,000 00 
 
Demand Loans ------------- 209,540 88 Amt. Re-served for Branches --------- 
 
Loans Secured by Real Estate 103,880 00 Surplus Fund -------------- 12,500 00 
 
United States Bonds -------- 214,800 00 Undivided Profits ---------- 12,549 06 
 
Other Stocks and Bonds____ 32,990 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------- --------- Due to Banks in this State__ 
 
100 00 
 
Furniture and Fixtures ____ 15,790 58 Due to Banks in other States --------- 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- --------- 
 
Due from Banks in this State 37,041 38 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 304,354 00 
 
States ------------------- 24,326 58 Demand Certificates of De- 
 
Currency ------------------ 14,919 53 posits -------------------- 7,000 00 
 
GSiolvldef.-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-_-_-_ 
 
- -2-,-9 7- 3- - -71- 
 
Time Certificates of Deposit 3,200 00 Savings Deposits ----------- 299,974 34 
 
Advances on Cotton ________ --------- Trust Funds on Deposit ____ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ---------- 
 
323 40 
 
Chteiecsks--fo--r --C-l-e-a-r-in-g---H-o-u-s-e-_-_- 
 
________________ __ 
 
Certified Checks ----------- 
 
578 86 
 
Bills Payable -------------- 302,200 00 
 
Other Checks and Cash Items 1,196 55 Notes and Bills Rediscounted 341,272 92 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money __________ --------- 
 
ances -------------------- --------- Liability on Letters of Credit Overdrafts (if any) ________ 97,223 37 and Acceptances _________ --------- 
 
Other Assets --------------- 11,731 19 Reserve for Interest and Taxes ________ _ 
 
Other Liabilities ---------- 
 
3,675 88 
 
Due to Clearing House______ 17,808 41 
 
Total -------------------$1,505,536 87 Total -------------------$1,505,536 87 
 
 FIRST ANNUAL REPORT 
 
481 
 
E:XAKINEB'S BEPOBT. 
CHATHAM BANK & TRUST COMPANY, SAVANNAH. 
 
At Close of Business December 11, 1920, 
 
President-W. F. McCauley. Vice-Pres,idents-F. W. Clarke, J. H. Calais. 
 
Cashier-J. J. Cornwell. 
 
Directors-Leopold Adler, J. R. Anderson, Geo. J. Baldwin, C. G. Bell, Jno. D. 
 
Ca.rswell, T. M. Cunningham, Robt. L. Gilchrist, Wright Hunter, Jas. M. 
 
Long, A. R. Lawton, Edward Leffler, J. F. Minis, Courtney 
 
Thorpe, H. Webber, H. D. Weed, J. J. Ravers, Fred 
 
Wessels, W. M. May, J. T. West. 
 
Date of Charter-September 30, 1879. 
 
Began Business--April,1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------$2,218,109 23 Capital Stock Paid In ----$ 500,000 00 
 
Demand Loans ------------ 453,760 81 Surplus Fund ------------- 102,805 72 
 
Loans Secured by Real 
 
Undivided Profits -------- 45,040 26 
 
Estate -----------------United States Bonds ------Other Stocks and Bonds___ _ Banking House --------~-- Other Real Estate Owned-- 
 
--s6~35o-oo 
200,021 27 153,163 03 
34,896 76 
 
Dividends Unpaid -------Due to Banks in this State Due to Banks in other IndSitvaitdeusal --D-e-p--o-s-it---S-u-b-j-e-c-t 
 
97 50 56,232 05 
---------- 
 
Due from Approved Revenue Agents ----------------- 
Due from Banks in other States ------------------ 
Currency ----------------GSoillvder,---N-i-c-k-e-l-s-, --P-e-n--n-ie-s-_-_- 
 
to Check --------------- 890,813 73 
 
187,228 03 Demand Certificates of De- 
 
TimpoesiCt er-ti-f-ic-a-t-e-s--o-f-D--e-p-o-s-i-t 
 
11,430 55 58,132 72 
 
Savings Deposits_________ _ 971,069 70 
 
Trust Funds on Deposit_ __ _ 75,924 07 
 
Cashier's Checks ----------- 
 
1>1 (10 
 
Advances on Cotton_______ ---------- Certified Checks ---------- 
 
1,004 12 
 
Advances on other Commodi- 
 
Bills Payable ------------ 750,000 00 
 
Ch~~~s 'for-c!earingHo;;.~e::.: 
Other Checks and Cash 
 
--69~539-12 
 
Notes and Bills RedisC ecrot iufni ctaetde s  -o-f- - -D-e-p- -o-s-i t- -f-o- r- 
 
Items -----------------Customers' Liability on Let- 
 
6,443 93 Borrowed Money -------Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances_ 
 
O vaenrcdersa f t-s- -(-i-f- -a-n-y-)- - -- -- -- -- -- -Other Assets ------------- 
 
- - -4-, -3 7-3- - -76218,148 80 
 
Reserve for Interest and OtThaexr esLi-a-b-i-l-it-i-e-s------------------ 
 
13,541 60 16,400 39 
 
Total ------------------$3,493,802 44 Total ------------------$3,493,802 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$2,201,441 n Capital Stock Paid In _____ $ 500,000 00 
 
Demand Loans ----------Loans Secured by Real U nEi tsetda t eS t-a-t-e-s- -B-o-n-d-s-_-_-_-_-_-_-_Other Stocks and Bonds___ 
 
469,674 36 
--6-6~35o-oii 
200,021 27 
 
Amt. Reserved for Branches 
 
Surplus Fund ------------- 102,805 72 
 
UDnivdiidveinddeds UPnropfaiitds -_-__-_-_-_-_--_- 
 
54,865 44 97 60 
 
Due to Banks in this State__ S9,~6) ~~ 
 
Banking House and Furni- 
 
Due to Banks in other 
 
ture and Fixtures_______ 153,163 03 States ----------------- 
 
5,379 23 
 
Other Real Estate Owned__ Due from Banks in this 
State -----------------Due from Banks in other 
States -----------------Currency ----------------Gold --------------------Silver, Nickels, Pennies____ Advances on Cotton _____ " 
Advances on other Commodities ---------------- 
Other Checks and Cash 
 
34,896 76 Call Money --------------Individual Deposits Subject 
70,936 16 to Check --------------Demand Certificates of De- 
184,758 4s posit ------------------98,409 00 Time Certificates of Deposit 4,950 00 Savings Deposits -------21,089 14 Trust Funds on Deposit___ 
__________ Cashier's Checks --------- 
Certified Checks ------------------- Bills Payable ------------ 
Notes and Bills Redia- 
 
945,613 88 
11,930 55 58,132 72 912,141 57 63,543 31 
742 53 135 75 750,000 00 
 
Items -----------------Customers' Liability on Let- 
ters of Credit and Accept- 
 
3,625 01 counted----------------Liability on Letters of Credit and Acceptances __ 
 
ances ------------------ ---------- Reserve for Interest and 
 
Overdrafts (if any) ------- 
 
714 82 Taxes ------------------ 
 
. 9,121 09 
 
Other Assets ------------- 10,260 41 Other Liabilities ---------- 16,411 31 
 
Total -------------------$3,520,290 22 Total -------------------$3,520,290 22 
 
 482 
 
BANKI~G DEPARTMENT 
 
EXAMINER'S REPORT. 
 
CHATHAM SAVINGS & LOAN COMPANY, SAVANNAH. 
 
At Close, of Business December 28, 1920. 
 
P:resident-T. M. Cunningham, Jr. Vice-Presidents-W. M. Kehoe, Lee Roy Myers. 
Secretary-Gee. W. Hunt. Directo.rs-T. M. Cunningham,Jr., W. M. Kehoe, Lee Roy Myers. A. R. Lawton, 
Geo. A. Mercer, F. G. Bell, J. R. Anderson, H. P. Smart. 
 
Date of Charter-1887. Amended-1912. 
 
Began Business-1878. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ --------- Capital Stock Paid In _______$500,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 799,978 36 Surplus Fund -------------- 25,000 00 
 
United States Bonds -------- 13,389 47 Undivided Profits ---------- 37,983 29 
 
Other Stocks and Bonds_____ 1,250 00 Dividends Unpaid ---------- 
 
300 00 
 
Banking House ------------- --------- Due to Banks in this State__ ________ _ 
 
Furniture and Fixtures ___ _ Other Real Estate Owned ___ :: 
Due from Banks in this State 
 
3,916 77 Due to Banks in other States --------18,632 22 Call Money ---------------- --------33,406 65 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- --------- 
 
States ------------------- --------- Demand Certificates of Deposit 25,944 52 
 
Currency -----------------GS iollvde r ,- - N- -i-c-k-e-l s-,- -P- e- -n-n-i e- -s -_-_ _-_- -_ 
 
698 00 Time Certificates of Deposit_ 151,228 73 430 00 Savings Deposits _________ _ 47,578 87 
33 37 Trust Funds on Deposit ____ --------- 
 
Advances on other Commodi- 
 
Cashier's Checks ___________ --------- 
 
ties ---------------------- ________ _ Certified Checks ____________ ________ _ 
 
Checks for Clearing House__ 
 
184 87 Bills Payable -------------- 85,000 00 
 
Other Checks and Cash Items 
 
89 37 Notes and Bills Rediscounted ________ _ 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money ---------- --------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any) -------- --------- and Acceptances _________ --------- 
 
Other Assets: 
 
Resel:"ve for Interest and Taxes 2,040 41 
 
Advances on Real Estate for 
 
Other Liabilities ~---------- --------- 
 
Customers --------------- 1,343 89 
 
Automobile Account -------- 1,722 85 
 
Total --------------------$875,075 82 Total --------------------$875,075 82 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RBSOURCES 
 
LIABILITIES 
 
Time Loans ----------------$810,141 54 Capital Stock Paid In _______$500,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches --------Loans Secured by Real Estate --------- Surplus Fund -------------- 25,000 00 
 
United States Bonds ------- 41,130 63 Undivided Profits ----------- 59,875 70 
 
Other Stocks and Bonds_____ 1,250 00 Dividends Unpaid --------- 
 
300 00 
 
Banking House ------------- --------- Due to Banks in this State --------Furniture and Fixtures_____ 5,639 62 Due to Banks in other States --------Other Real Estate Owned____ 18,632 22 Call Money ---------------- --------Due from Banks in this State 30,123 16 Individual Deposits Subject 
 
Due from Banks in other States -------------- --- 
 
--------- 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
--------25,516 77 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e--n-n-ie-s-_-_-_-_--_ 
 
600 00 Time Certificates of DeposiL 151,528 73 1,070 00 Savings Deposit ----------- 45,185 50 
22 16 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton -------- --------- Cashier's Checks ----------- ________ _ 
 
Advances on other Commodi- 
 
Certified Checks ----------- --------- 
 
ties -------------------- ----------Checks for Clearing- House__ --------- 
 
Bills Payab,le -------------- 100,000 00 Notes and Bills Rediscounted ________ _ 
 
Other Checks and Cash Items 
 
419 92 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances --------- --------- 
 
Overdrafts (if any) -------- --------- Reserve for Interest and Taxes --------- 
 
Other Assets --------------- 
 
934 67 Other Liabilities ----------- 2,456 22 
 
Total --------------------$909,862 9? Total --------------------$909,862 92 
 
 FIRST ANNUAL REPORT 
 
483 
 
EXAMINEE'S BEPOBT, 
 
THE CITIZENS & SOUTHERN BANK, SAVANNAH. 
At Clos.e of Business November 30, 1920. 
President-Mills B. Lane. Vice-Pres:idents-G. L. Groover, Wm. Murphey, W. B. Stratford, G. C. Freeman. Assistant to President-W. W. Banks, T. C. Erwin. 
Cashier-W. B. Spann, Jr. 
Diirectors-S. B. Adams, J. B. Chestnutt, R. T. Comeil', R. S. Cope, J. J. Cummings., Milton Dargan, A. B. Hull, Jno. H. Hunter, E. M. Lawton, Lee Roy Myers, W. J. Pierpont, A. C. Read, H. L. Rochmond, H. P. Smart, H. D. Stephens, E. W. Lane. Date of Charter-September 22, 1887. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$8,988,559 75 Capital Stock Paid In______ $1,125,000 00 
 
Demand Loans ------------ 3,420,976 46 Amt. Reserved for Branches ---------- 
 
United States Bonds and 
 
Surplus Fund ------------- 1,775,000 00 
 
State of Georgia 
 
11,662 00 Undivided Profits --------- 19,146 51 
 
Other Stocks and Bonds ___ 673,883 15 Dividends Unpaid --------- 
 
153 00 
 
Banking House ----------- 347,780 99 Due to Banks in this and 
 
Furniture and Fixtures____ 59,703 81 other States ------------ 1,351,516 76 
 
Other Real Estate Owned__ 138,466 38 Call Money --------------- ---------- 
 
Due from Approved Reserve 
 
Individual Deposits Subject 
 
Agents ----------------Currency ----------------Gold --------------------Silver, Nickels, Pennies___ Advances on Cotton_______ 
 
2,736,567 15 121,451 00 4,125 00 52,399 37 __________ 
 
to Check --------------Time Certificates of Deposit Savings Deposits --------Cashier's Checks ---------Certified Checks ----------- 
 
3,231,349 06 249,059 44 
4,290,098 04 20,384 17 
119,852 19 
 
Checks for Clearing House 
 
2,038 24 Bills Payable ------------ 700,000 00 
 
Other Checks and Cash 
 
Notes and Bills Redis- 
 
Items -----------------Customers' Liability on Let- 
 
1,986 91 counted ---------------- 4,468,369 08 Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances_ 292.?14 14 
 
ances ------------------ 292,714 14 Reserve for Interest and 
 
Overdrafts (if any) ------- 39,169 47 Taxes and Dep.__________ 196,619 97 
 
Other Assets: 
 
Other Liabilities: 
 
Transit Bills ------------- 1,037,929 43 Reserve; Losses and Em- 
 
Current Checks ----------- 
 
8,465 12 ployees' Pension Fund __ _ 13,329 58 
 
Total ------------------$17,937,878 35 Total ------------------$17,937,878 35 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $8,663,820 07 Capital Stock Paid In ______ $1,125,000 00 
 
Demand Loans ------------ 2,882,534 68 Amt. Reserved for Branches ---------- 
 
LoEasntsate Se_c_u_r_e_d___b__y___R__e_a_l 
 
Surplus Fund ------------- 1;775,000 00 527,689 10 Undivided Profits -------- 20,130 75 
 
United States Bonds 
 
10,000 00 Dividends Unpaid _________ 
 
15 00 
 
Other Stocks and Bonds__ _ 673,545 15 Due to Banks in this State 860,426 66 
 
Banking House __________ _ 247,347 42 Due to Banks in other 
 
Other Real Estate Owned __ 198,170 17 States ----------------- 286,808 89 
 
Due from Banks in this 
 
Individual Deposits Subject 
 
State ------------------ 2,969,191 19 to Check --------------- 3,861,790 10 
 
Due from Banks in other 
 
Demand Certificates of De- 
 
States ----------------- 989,730 39 posit ------------------- 144,741 56 Currency ---------------- 171,939 00 Time Certificates of Deposit 84,144 41 
 
Gold -------------------- 
 
2,700 00 Savings Deposits --------- 4,306,878 93 
 
Silv.er, J"fickels, Pennies___ _ 30,450 16 Trust Funds on Deposit___ ---------- 
 
Advances on other Com- 
 
Cashier's Checks ---------- 
 
6,265 92 
 
modities --------------Checks for Clearing House 
 
---------17,672 55 
 
BC ei lrltsi f iPeady aCbhleec k_s_ _-_-_-_ -_ _- _- _- _-_- -_ 
 
5,301 73 700,000 00 
 
OtIhteerms C_h_e_c_k_s___a_n_d____C_a_s_h_ 
 
Notes and Bills Redis13,051 32 counted ---------------- 4,182,288 16 
 
Customers' Liability on Let- 
 
Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances__ 214,364 14 
 
ances ------------------ 214,364 14 Reserve for Interest and Overdrafts (if any) _______ 30,392 43 Taxes ------------------ 
 
69,441 52 
 
Total ________________ ._$17,642,597 77 Total ------------------$17,642,597 77 
 
 -1 
 
 484 
 
BANKING DEPARTMENT 
 
E:X:AMINEB'S :REPOBT. 
 
CITIZENS TRUST COMPANY, SAVANNAH. 
 
At Close of Business December 7, 1920. 
 
President-H. I. Frank. Vice-President-C. P. Rowland. Cashier-D. W. Andrews. 
Directors-Chas. F. Fulton, J. G. Butler, J. F. Cann, F. H. Opper, \V. M. Courey, H. Nannugs, H. C. Waltham, H. McAlpin, C. J. Hunter, \V. B. McKinsley. 
 
Date of Charter-May 22, 1906. 
 
Began Business-June 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$986,643 39 Capital Stock Paid In_______ $200,000 00 
 
Demand Loans ------------- 247,527 26 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 52 244 13 Surplus Fund -------------- 50,000 00 
 
United States Bonds________ 36:150 00 Undivided Profits ----------- 59,604 Sz 
 
Other Stocks and Bonds____ 7,500 0) Dividends Unpaid ---------- 
 
31 50 
 
Banking House ------------- 57,434 26 Due to Banks in this State__ 4,194 54 
 
Furniture and Fixtures_____ 7,549 58 Due to Banks in other States --------- 
 
Other Real Estate Owned____ Due from Approved Reserve 
 
--------- 
 
Call Money ---------------Individual Deposits Subject 
 
--------- 
 
Agents -----------------Due from Banks in other 
 
142,538 
 
75 
 
Detmo aCnhdeCckert-i-fi-c-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
440,020 108,150 
 
32 00 
 
States ------------------- _________ Time Certificates of DeposiL 12,500 00 
 
Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P-e-n- -n-i e-s- -__-_-_- -_ . Advances on Cotton ________ 
 
21,520 00 172 50 
3,492 16 --------- 
 
Savings Deposit -----------Trust Funds on Deposit_____ Cashiers Checks -----------Certified Checks ------------ 
 
346,505 87,227 182 1,909 
 
94 07 
13 14 
 
Advances on other Commodi- 
 
Bills Payable -------------- 86,150 00 
 
ties --------------------- ________ _ Notes and Bills Rediscounted 202,509 54 
 
Checks for Clearing House__ 14,610 38 Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
5 33 Borrowed Money --------- --------Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- --------- 
 
Ovanercdersaf-t-s--(-i-f--a-n-y--) -_-_-_-_-_-_-_-_ 
 
- - - -4-4-8 - -5-7 
 
Reserve for Interest and Taxes Other Liabilities ----------- 
 
----------------- 
 
Other Assets -------------- 
 
601 07 
 
Total -------------------$1,578,437 38 Total ___________________ $1,578,437 38 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$1,006,375 60 Capital Stock Paid In _______ $200,000 00 
 
Demand Loans ------------- 254,062 26 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 39,274 13 Surplus Fund -------------- 50,000 00 
 
United States J;londs________ 36,406 78 Undivided Profits ---------- 56,568 77 
 
Other Stocks and Bonds, F. R. 
 
Dividends Unpaid ---------- 7,031 50 
 
B. ----------------------- 7,500 00 Due to Banks in this State__ 38,445 49 
 
Banking House ------------ 57,434 26 Due to Banks in other States 4,315 49 
 
Furniture and Fixtures_____ 7,649 58 Call Money ---------------- ________ _ 
 
Other Real Estate Owned____ --------- Individual Deposits Subject 
 
Due from Banks in this State 110,932 26 to Check ----------------- 436,493 92 
 
Due from Banks in other 
 
Demand Certificates of Deposit 108,150 00 
 
States ------------------- 21,654 56 Time Certificates of Deposit_ 12,500 00 
 
Gold ----------------------Currency ------------------ 
 
187 50 Savings Deposits ----------- 336,653 80 1!>n flo Trust Funds on De.posit_ ____ _ 1,468 12 
 
Silver, Nickels, Pennies_____ 2,632 26 Cashiers Checks ----------- 
 
287 25 
 
Advances on Cotton ________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 
 
2,010 33 
86,150 on 
 
ties --------------------- _________ Notes and Bills Redi~counted 222,095 96 
 
Checks for Clearing House__ 
 
278 39 Certificates of Deposit ,for 
 
Other Checks and Cash Items 
 
249 54 Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- --------- 
 
ances -------------------- _________ Reserve for Interest and Taxes --------- 
 
Overdrafts (if any) -------- 
 
278 07 Other Liabilities: 
 
Other Assets: 
 
Clearing Association ------- 
 
- - - - - - Depreciation Rese-rve ______ _ 3,793 57 
 
1,603 13 
 
Total --------------------1,563,773 76 Total --------------------1,563,773 76 
 
 FIRST ANNUAL REPORT 
 
485 
 
E:S:AMIHEB'S BEPOBT. 
COMMERCIAL BANK, SAVANNAH. 
At. Close of Business November 23, 1920. 
President-J. H. H. Entleman. Vice-President-U. H. McLaws. Cashier-W. F. Reilley, 
Directors-J. H. H. Entleman, U. H. McLaws, 0. T. Mcintosh, J. L. Budreau, J. H. Quint, W. R. DancY, I. C.Helmeley, A. H. Entleman, W. Woledge, C. H. Kannemann. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$972,551 21 Capital Stock Paid ln _______$100,000 00 
 
Demand Loans ------------- 293,836 29 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 15,000 00 
 
United States Bonds -------Other Stocks and Bonds_____ 
 
63,850 00 200 00 
 
Undivided Profits ---------Dividends Unpaid ---------- 
 
_5_5_,,0_8_2__8_5_ 
 
Banking House ------------- 47,184 17 Due to Banks in this State__ 21 6 42 71 
 
Furniture and Fixtures_____ 29,078 54 Due to Banks in other States --------- 
 
Other Real Estate Owned____ 3,600 00 Call Money ---------------- --------- 
 
Due from Banks in this 
 
Individual Deposits Subject 
 
State, Sundry Banks 
 
8,684 49 to Check ---------------- 607,146 60 
 
Due from Banks in other 
 
Demand Certificates of Deposit --------- 
 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e--n-n-ie--s -__-_-_--_ 
 
67,965 94 Time Certificates of DeposiL 30,830 04 16,597 00 Savings Deposits ---------- 443,536 66 
105 00 Trust Funds on Deposit ____ --------2,652 65 Cashier's Checks ----------- --------- 
 
Advances on Cotton -------- 
 
670 98 Certified Checks ------------ 
 
229 02 
 
Advances on other Commodi- 
 
Bills Payable -------------- 210,000 00 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-s-e-_-_ 
 
--------945 17 
 
Notes and Bills Rediscounted Certificates of De,poslt for 
 
--------- 
 
Other Checks and Cash Items 1,986 62 Borrowed Money --------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- --------- 
 
O vaenrcdersa f-t-s - -(-I f- -a-n-y- )- - ---------------- 
 
- -5-,-7 -3 4- - -38- 
 
Reserve for Interest and Taxes Othe.r Liabilities ----------- 
 
--------55,126 71 
 
Other Assets --------------- 22,952 21 
 
Total -------------------$1,538,594 65 Total -------------------$1,538,594 65 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$962,186 38 Capital Stock Paid ln_______$]00,000 00 
 
Demand Loans ------------- 296,176 85 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 15,000 00 
 
United States Bonds________ --------- Undivided Profits ---------- 52,958 90 
 
Other Stocks and Bonds_____ 
 
200 00 Dividends Unpaid ---------- 
 
9 00 
 
Banking House ------------- 47,184 17 Due to Banks in this State__ 12,277 11 
 
Furniture and Fixtures______ 52,207 21 Due to Banks In other States -------- 
 
Other Real Estate Owned____ 3,600 00 Call Money ---------------- --------- 
 
Due from Banks In this State 10,408 31 Individual Deposits Subject 
 
Due from Banks In other 
 
to Check ----------------- 616,021 48 
 
States ------------------Currency -----------------SGiolvlder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
101,354 29,626 20 
3,275 
 
04 00 00 
86 
 
Demand Certificates of Deposit 600 00 Time Certificates of Depos!L 30,830 04 Savings Deposits ----------- 454,522 07 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton -------- --------- Cashier's Checks ----------- --------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 196 33 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__- 
 
--------327 81 
 
Bills Payable -------------- 210,000 00 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items 129 00 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
Ovaenrcdersaf-t-s--(i-f--a-n-y-)------------------ --1-,-0-1-0--28- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
--------290' 98 
 
Other Assets ---------------- --------- Other Liabilities ----------- 15,000 00 
 
Total -------------------$1,507,705 91 Total -------------------$1,507,705 91 
 
 f 
486 
 
BANKING DEPARTMENT 
 
EXAMINEB?S BEPOBT. 
 
EXCHANGE BANK, SAVANNAH. 
 
At Close of Business December 16, 1920. 
 
Pres-ident-A. J. Garfunkle. Vice-President-J. J. Powers. Cashier-Joe J. Powers. 
 
j[)!rectors-E. H. Abrahams, M. J. O'Leary, W. T. Knight, G. M. Gadsden, J. J. 
 
Harrigan, H. S. Trout, P. M. Lucas, F. A. Davis, .S. Blumenthal, C. Garfunkle. 
 
Date of Charter-January 18, 1906. 
 
Began Business-March 12, 1906. 
 
RESOURCES 
 
LIABIL~TIES 
 
Time Loans --------------$2,187,971 76 Capital Stock Paid In______ $ 200,000 00 
 
Demand Loans ----------- 242,136 15 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Undivided Profits --------- 
 
Estate ----------------- ---------- Dividends Unpaid --------- 
 
United States Bonds and 
 
Due to Banks in this State 
 
175,964 82 15 00 
 
other Stocks and Bonds__ 22,275 00 Due to Banks in other 
 
Banking House ----------Furniture and Fixtures____ Other Real Estate Owned__ Due from Banks in this and 
other States -----------Currency ----------------Gold -------------------Silver, Nickels, Pennies____ Advances on Cotton_______ Advances on other Com- 
modities --------------Checks for Clearing House Other Checks and,. Cash 
Items ---------------Customers' Liability on Let- 
 
139,627 42 States ------------------ 
 
--------,-- Individual Deposits Subject 
 
24,519 06 to Check ---------------- 650,586 91 
 
Demand Certificates of De- 
 
203,068 85 posit ------------------- 26,803 15 
 
35,808 00 Time Certificates of Deposit 29,564 66 
 
480 00 Savings Deposits ________ _ 1,187,650 13 
 
28,591 32 Trust Funds on Deposit_ __ 
 
---------- Cashier's Checks --------- 288,004 n' 
 
Certified Checks ---------- 
 
'1,324 99 
 
---------- Bills Payable ------------- 100,000 00 
 
---------- Notes and Bill's Redis- 
 
counted ---------------- 216,785 49 
 
1,913 15 Certificates of Deposit for 
 
Borrowed Money _______ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of 
 
ances _-- _-- __ - __________ _________  Credit and Acceptances_- 
 
Overdrafts (if any) _______ 
 
4,454 00 Reserve for Interest and 
 
Other Assets ------------- 24,909 28 Taxes -----------------Other Liabilities ---------- 39,054 76 
 
Total -------------------$2,915,753 99 Total ___________________ $2,915,753 99 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$2,320,237 53 Capital Stock Paid In ______ $ 200,000 00 
 
Demand Loans ------------ 241,836 83 Amt. Reserved for Branches 50,000 00 
 
Loans Secured by Real 
 
Total --------------------- 250,000 00 
 
Estate ----------------- 195,432 83 Undivided Profits --------- 170,832 65 
 
United States Bonds______ 22,325 00 Dividends Unpaid ________ _ 
 
15 00 
 
Other Stocks and Bonds __ ---------- Due to Banks in this State_ 
 
6,159 80 
 
Banking House and Furni- 
 
Due to Banks in other 
 
ture and Fixtures________ 166,771 47 States ----------------- 
 
6,037 87 
 
Due from Banks in this 
 
Due to Clearing House____ _ 29,258 86 
 
State ------------------ 51,914 79 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 1,017,026 53 
 
States ----------------- 118,443 94 Demand Certificates of De- 
 
Currency ----------------- 52,289 00 posit ------------------- 26,803 15 
 
Gold --------------------- 
 
472 50 Time Certificates of Deposit 29,564 66 
 
Silver, Nickels, Pennies____ 30,234 84 Savings Denosits ________,__ 1,331,258 42 
 
---------- Advances on Cotton_______ ---------- Trust Funds on Deposit_ __ ---------- 
 
Advanees on other Com- 
 
Cashier's Checks ---------- 
 
modities --------------- ---------- Certified Checks ___________ 
 
1,818 6i'i 
 
Checks for Clearing House __________ Bills Payable ____________ _ 180,000 00 
 
Other Checks and Cash 
 
Notes and Bills Redls- 
 
Items ------------------ 
 
2,227 78 counted ----------------- 150,050 00 
 
Customers' Liability on Let- 
 
Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances __ ---------- 
 
ances ------------------ ---------- Reserve for Interest and 
 
Overdrafts (If any) ______ 
 
1,944 79 Ta:xRs ------------------ 
 
7,200 00 
 
Other Assets _____________ 
 
1.894 97 Other Liabilities ________ ------------ 
 
Total -------------------$3,206,025 59 Total ___________________ $3,206,025 59 
 
 FIRST ANNUAL REPORT 
 
487' 
 
EXAMINER'S REPORT. 
 
GEORGIA STATE SAVINGS ASSOCIATION, SAVANNAH. 
 
At Close of Business December 18, 1920. 
 
President-Henry Blun. Vice-Presidents--J. F. Buckwer, Hal H. Bacon. Treasurer-F. C. Bush. 
Directors-J. F. Buckwer, B. H. Levy, Julian Schley, Henry Blun, Geo. W. 
Tredeman, Hal H. Bacon. 
 
Date of Ch'arter-July 29, 1909. 
 
Began Business-August 4, 1909. 
 
RESOURCES 
 
LIABILITlES 
 
Time Loans ---------------$ ---------- Capital Stock Paid In ______ $ 325,000 00 
 
Demand Loans ----------- 20,775 07 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ------------- 75,000 00 
 
Estate ----------------- 4,776,157 46 Undivided Profits --------- 498,320 77 
 
United States Bonds and 
 
Dividends Unpaid --------- 
 
other Stocks and Bonds 
 
97 394 00 Due to Banks in this State 
 
Banking House ----------- 75:ooo oo Due to Banks in other 
 
Furniture and Fixtures____ Other Real Estate Owned__ Due from Banks in this and 
 
4,477 59,262 
 
34 74 
 
States ----------------Call Money --------------- 
 
Individual Deposits Subject 
 
other States -----------Currency ----------------GSiolvlder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-__--_ 
 
369,223 72 to Check --------------14,410 00 Time Certificates of Deposit 2,833,050 00 985 00 Savings Deposits --------- 1,667,977 98 965 85 Trust Funds on Deposit --- 
 
Advances on other Com- 
 
Cashier's Checks ---------- 
 
modities --------------- ---------- Certified Checks ---------- 
 
Checks for Clearing House_ 
 
1,030 13 Bills Payable ------------- 
 
Other Checks and Cash 
 
Notes and Bills Redis- 
 
Items -----------------Customers' Liability on Let- 
 
1,082 02 Cecrotiufnicteadtes---o-f--D--e-p-o-s-i-t --fo--r 
 
ters of Credit and Accept- 
 
Borrowed Money -------- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)---------------- 
 
-------------------- 
 
Liability on Letters of Credit and Acceptances __ 
 
Other Assets: 
 
Reserve for Interest a:rd 
 
Stocks and Bonds other than U. S. and State of Georgia 
 
10,000 
 
00 
 
Taxes -----------------Other Liabilities ---------- 
 
31,414 03 
 
Total -------------------$5,430,763 58 Total -------------------$5,430,763 58 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Demand Loans -----------$ 20,700 07 Capital Stock Paid In ______ $ 325,000 00 
 
Loans Secured by Real 
 
Amt. Reserved for Branches 
 
U nEi tsetda t eS t a-t-e-s- -B-o-n- d- -s -_-_ -_ _- _-_- -_ 
 
4,784,067 96,550 
 
23 00 
 
Surplus Fund ------------Undivided Profits --------- 
 
75,000 00 471,188 76 
 
Other Stocks and Bonds ___ _ 10,000 00 Due to Banks in this State, 
 
Banking House__ $75,000 00 
 
Due to Banks in other 
 
Less Res,erve for Depreciation, $12,000 00 ______ _ 
 
63,000 00 IndSitvaitdeusal -D--e-p-o-s-i-ts--S--u-b-j-e-c-t 
 
Furniture, Fixtures and 
 
to Check --------------- 
 
Vaults ----------------- 
 
4,477 34 Time Certificates of Deposit 2,834,350 00 
 
Other Real Estate Owned 
 
Savings Deposits --------- 1,665,716 31 
 
$59,374 42 Less Reserve 
 
Treasurer's Checks Out- 
 
for Depreciation $8,589 82 Due from Banks in this 
 
50,784 60 CesrttaifnidedingC-h-e-c-k--s---S--a-v-in-g--s 
 
1,542 14 
 
D uSet a tfer o m- - -B-a-n- -k-s- -i-n- -o- -t h- e- -r 
 
345,352 89 Department ------------Bills Payable ------------- 
 
329 51 
 
States ----------------Currency ----------------GSiolvlder,--N-i-c-k-e-l-s,--P--e-n-n-ie--s -__-_--_ 
 
12,255 18 Notes and Bills Redis- 
 
17,220 00 1,080 00 970 33 
 
C ecrot iufni ct ea tde s- - -o-f- -D- -e-p-o-s-i t- - -f o- -r Borrowed Money _______ _ 
 
Other Checks and Cash 
 
Liability on Letters of 
 
Items ------------------ 
 
1,563 97 Credit and Acceptances __ 
 
Other Assets: 
 
Reserve for Interest and 
 
U. S. War Savings Stamps_ Improvement Account ----- 
 
844 11,681 
 
00 76 
 
OtThaexr eLsia-b-i-li-t-ie-s-:----------- 
 
36,837 81 
 
Items in Suspense --------- 
 
378 74 Pension Reserve Fund ----- 
 
9,461 58 
 
Loans In Suspense -------- 
 
1,500 00 
 
Total -------------------$5,420,926 11 Total ------------------$5,420,926 11 
 
 r 
 
',. 
 
!' 
 
488 
 
BANKING DEPARTMENT 
 
EXAJII[INEB'S BEPOB'l'. 
 
HIBERNIA BANK, SAVANNAH. 
 
At Close of Business November 24, 1920. 
 
President-M. A. O'Byrne. Vl&e-Presidents-J. P. Dolan, Chas. Ellis. 
 
Directors-M. 
 
A. 
 
O'Byrne, 
 
Cashier-M. A. Spellman. Chas. Ellis, S. F. Armstrong, 
 
F. 
 
c. 
 
Battey, 
 
I. 
 
J. 
 
Bon- 
 
ham, Geo. E. Cope, Chas. Ellis, Carl Espy, W. J. Harty, Daniel J. Hogan, 
 
H. L. Kayton, G. L. Mohr, E. F. O'Connor, J. C. Schwarz, J. F. 
 
Sullivan, Geo. F. Tennelbe, R. Van Kewen, T. P. Waring. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$5,513,002 47 Capital Stock Paid In _____ $ 200,000 00 
 
Demand Loans ------------ 1,490,217 77 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ------------- 300,000 00 
 
Estate ----------------- 55,314 20 Undivided Profits --------- 137,384 43 
 
United States Bonds_______ 468,700 00 Dividends Unpaid --------- 
 
38 00 
 
Other Stocks and Bonds___ 284,090 00 Due to Banks in this and 
 
Banking House ---------Furniture and Fixtures____ 
 
143,573 89 ---------- 
 
C aol lt hMe ro nSetya t e_s__-__- _-_-_-_-_-_-_-_-_- -_ 
 
677,233 00 
 
Other Real Estate Owned__ _____ , ____ Individual Deposits Subject 
 
Due from Approved Reserve 
 
to Check ---------------- 2,298,398 48 
 
Agents ----------------- 1,356,300 69 Demand Certificates of De- 
 
Due from Banks in other 
 
posit ------------------ 33,324 61 
 
CuSrtraetnecsy ---------------------------------- 
 
- -7-4-,-1-6 -2 - -0-0 
 
Time Certificates of Deposit 107,241 36 Savings Deposits --------- 1,798,361 59 
 
GSiolvlder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-__- _ 
 
1,370' 50 Cashier's Checks ---------- 
 
7,151 11 
 
13,043 24 Certified Checks ---------- 173,008 47 
 
Advances on other Com- 
 
Bills Payable ------------- 493,000 00 
 
modities --------------- ---------- Notes and Bills Redis- 
 
Checks for Clearing House ---------- counted ---------------- 3,263,071 22 
 
Other Checks and Cash 
 
Certificates of Deposit for 
 
Items -----------------Customers' Liability on Let- 
 
3,189 26 Borrowed Money -------Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances __ 
 
O vaenrcdersa f t-s- -(-i-f -a-n- -y-) - -------------- 
 
- - -4-,-0-8 4- - -09- 
 
Reserve Taxes 
 
for Interest and ------------------ 
 
Other Assets ------------- 309,878 72 Other Liabilities ---------- 
 
16,472 74 212,380 92 
 
Total -------------------$9,712,139 86 Total -------------------$9,712,139 86 
 
BANK'S STATEMENT at Close or Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------<--------$5,596,599 26 
 
Demand Loans ----------- 1,453,907 01 
 
Loans Secured by Real 
 
U nEi tsetda t eS t a-t-e-s- -B-o-n-d- -s - -__- _-_-_- -_ 
 
58,100 00 468,700 00 
 
Other Stocks and Bonds __ _ 287,840 00 
 
Capital Stock Paid J.n _____ $ Amt. Reserved for Branches 
Surplus Fund ------------Undivided Profits --------Dividends Unpaid --------Due to Banks in this State 
 
200,000 00 
300,000 00 147,824 62 
26 00 561,673 25 
 
Banking House ---------- 143,573 89 Due to Banks in other 
 
Furniture and Fixtures____ ---------- States ----------------- 
 
Other Real Estate Owned__ ---------- Call Money--------------- 
 
Due from Banks in this 
 
Individual Deposits Subject 
 
119,636 97 
 
State ------------------ 664,080 04 to Check -------------- 2,187,256 12 
 
Due from Banks In other 
 
Demand Certificates of De- 
 
States ----------------Currency ---------------GSiolvlder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-_ 
 
703,377 132,523 
 
69 00 
 
TipmoesiCt e-rt-i-f-ic-a-t-e-s--o-f-D--e-p-o-s-i-t 
 
24,830 66 107,141 36 
 
1,165 50 Savings Deposits --------- 1,800,738 54 
 
11,923 87 Cashier's Checks --------- 16,890 67 
 
Advances on other Com- 
 
Certified Checks ---------- 
 
4,606 96 
 
modities --------------- ---------- Bills Payable ------------- 493,000 00 Checks for Clearing House 102,657 21 Notes and Bills Redis- 
 
Other Checks and Cash Items ------------------ 
Customers' Liability on Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-I-f-a-n-y--) --------------Other Assets ------------- 
 
3,744 83 Cecrotiufnictaetdes --o-f--D-e-p--o-s-it--f-o-r- 3,669,243 78 
 
Borrowed Money -------- 
 
Liability on Letters of 
 
- -1-3-,-0 -5 0- - 0-9- 
 
Credit Reserve 
 
and for 
 
A c c e p t a n c e s __ Interest and 
 
---------- Taxes ------------------ 
 
8,363 46 
 
Total ____________________9,641,232 39 Total ____________________9,641,232 39 
 
 FIRST ANNUAL REPORT 
 
489 
 
EXAliii:UII'EB'S BEPOBT. 
 
LIBERTY BANK & TRUST COMPANY, SAVANNAH. 
 
At Close of Business December 9, 1920. 
 
President-Henry Blun. Vice-President-Hal H. Bacon. Cashier-W. F. Hogan. Directors--Henry Blun, Hal H. Bacon, W. F. Hogan, J. H. Haslam, W. G. Barn- 
well, W. S. Blun, R. M. Hull, N. Long, J. P. Maggoni, Sego Mohr, J. C. 
Nash, G. W. Owens, Isaac Silver, A. P. Solomon, E. S. Trosdal. 
 
Date of Charter-December 18, 1889. 
 
Began Business-February 10, 1890. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------~--$1, 743,582 68 Capital Stock Paid In _____ $ 
 
Demand Loans ----------- 803,932 66 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ------------- 
 
UnEitsetdateSta-t-e-s--B-o-n-d--s ------------- --9-2-,6-2-5---00- UDnivdiidveinddeds UPnropfaiitds -_-__-_-_-_----_ 
 
Other Stocks and Bonds __ _ Banking House____________ 
 
746,893 89 Due to Banks in this State 250,000 00 Due to Banks in other 
 
Furniture and Fixtures____ Other Real Estate Owned __ 
 
---------6,726 70 
 
C aSl lt aMt eosn e y-,- -C-l-e-a-r-i -n-g- -H-o- u- -s -e 
 
Due from Approved Reserve 
 
Individual Deposits Subject 
 
Agents ----------------Due from Banks In other 
 
375,995 68 Detmo anCdheCckerti-f-ic-a-t-e-s--o-f--D--e-- 
 
States ----------------Currency ----------------GS iol lvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s-__- -_ 
 
- 
 
-6-2-,-6 -0 0- - 
 
-- 
00 
 
posit ------------------Time Certificates of Deposit 
 
1,127 50 Savings Deposits -------- 
 
17,387 68 Trust Funds on Deposit_ __ _ 
 
Advances on other Com- 
 
Cashier's Checks ---------- 
 
Chmeockdsitifeosr --C-l-e-a-r-in-g---H-o-u--s-e Other Checks and Cash 
Items -----------------Customers' Liability on Let- 
ters of Credit and Accept- 
 
- - - - -2 9-3- - -95- 
 
Certified Checks ----------Bills Payable ------------- 
 
Certificates of Deposit for 
 
2,981 57 Borrowed Money _______ _ 
 
Liability on Letters of 
 
Credit and Acceptances __ 
 
Oavnecr de sr a-f t-s- - -( i-f- -a-n-y-)-_-_-_-_-_-_-_- 
 
- - -4-,-19-9- - -27- 
 
Reserve Taxes 
 
for Interest and ------------------ 
 
Other Assets -------------- 61,557 30 Other Liabilities ---------- 
 
300,000 00 350,000 00 179,905 59 
193 00 404,984 31 
51,370 89 821,777 41 
19,000 00 73,189 48 964,404 4R 236,660 85 
888 88 750,000 00 
37 20 17,478 79 
 
Total -------------------$4,169,890 88 Total ------------------$4,169,890 88 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $1,690,939 65 Capital Stock Paid In _____ $ 300,000 00 
 
Demand Loans ----------Loans Secured by Real 
U nEi tsetda t eS t a-t-e-s- -B-o-n-d- -s -__-_-_-_-__- -_ Other Stocks and Bonds ___ _ 
 
799,232 66 Amt. Reserved for Branches ---------Surplus Fund ------------- 350,000 00 
60,350 98 Undivided Profits --------- 179,801 52 92,550 00 Dividends Unpaid ------ ___ 193 00 746,956 19 Due to Banks in this State 381,759 25 
 
Banklrtg House ----------- 250,000 00 Due to Banks in other 
 
Furniture and Fixtures____ Other Real Estate Owned __ 
 
---------6, 726 70 
 
States -----------------Call Money --------------- 
 
532 46 ---------- 
 
Due from Banks in this 
 
Individual Deposits Subject 
 
D uSet a tfer o m- - -B- -a-n-k-s- -i-n- - -o-t h- -e-r 
 
24,221 58 to Check ---------------- 1,058,340 83 Demand Ce,rtificates of De- 
 
States ----------------Currency ----------------GSiollvder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-__--_ 
 
348,676 21 posit ------------------- 19,000 00 64,249 00 Time Certificates of Deposit 72,589 48 1,132 50 Savings Deposits --------- 961,316 12 15,884 21 Trust Funds on Deposit ___ ---------- 
 
Advances on other Com- 
 
Certified Checks ----------- 
 
1,194 33 
 
modities ---------------- ---------- Bills Payable ------------- 750,000 00 
 
Other Checks and Cash 
 
Notes and Bills Redis- 
 
Items -----------------Customers' Liability on Let- 
 
1,513 80 Recsoeurnvteed f-o-r---i-n-te--re-s-t---a-n-d- ---------- 
 
ters of Credit and AcceptOvaenrcdersaf-t-s--(-if--a-n-y--) --------------- 
 
- - -2-,-5-5-2 - -02- 
 
OtThaexr eLs ia-b-i-l-it-i-e-s-: ---------Reserved for Depreciation 
 
---------- 
 
- - - - Other Assets: 
Foreign Currency --------- 
 
2,207 95 Duoef tBoanCkleBaruiinlgdinHgou--se--_-__--_ 
 
12,268 15 20,198 31 
 
Total ------------------$4,!07,193 45 Total __________________ $4,107,193 45 
 
 490 
 
Bl~NKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
MERCANTILE BANK & TRUST COMPANY, SAVANNAH. 
 
At Close of Business November 18, 1920. 
 
President-A. Ranzin. Vice-Presidents-H. C. Shuptine, A. J. Cohen V. w. LeBey. 
 
Cashier-V. W. LeBey. 
 
' 
 
Directors-A. Ranzin, H. C. .Shuptine, A. J. Cohen, V. W. LeBey, A. Blumberg, 
 
M. H. Birnstein, M. Blumfield, W. G. Sutlive, W. D. Jones, I. H. Solo- 
 
mon, Jr., B. Wietz, R. D. Ried, J. H. Johnson, A. Shapira. 
 
Date of Charter-August 3, 1917. 
 
Began Business-September 4, 1917.' 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,520,724 24 Capital Stock Paid In _______ $300,000 00 
 
Demand Loans ------------ 115,780 5R Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 72,923 89 Surplus Fund -------------- 35,000 oo 
 
United States Bonds -------- 246,348 19 Undivided Profits ----------- 19,860 87 
 
Other Stocks and Bonds_____ 10,640 00 Dividends Unpaid ---------- 
 
124 25 
 
Banking House ------------- --------- Due to Banks in this State__ 
 
100 00 
 
Furniture and Fixtures_____ 20,513 77 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- ________ _ 
 
Due from Banks in this State 163,774 05 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 350,196 40 
 
States ------------------- 8,627 47 Demand Certificates of Deposit 4,000 00 
 
Currency ------------------ 18,880 00 Time Certificates of Deposit_ 45,410 00 
 
Gold ----------------------- 
 
37 50 Savings Deposits ---------- 605,544 58 
 
Silver, Nickels, Pennies_____ 3,627 75 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton -------- --------- Cashier's Checks ----------- 1,979 01 
 
Advances on other Commodi- 
 
Certified Checks ----------- 171,940 09 
 
ties --------------------- _________ Bills Payable -------------- 320,000 00 
 
Checks for Clearing- House__ --------- Notes and Bills Rediscounted 325,374 07 
 
Other Checks and Cash Items 3,241 46 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- --------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ________ __ --------- 
 
Overdrafts (if any) -------- 1,968 48 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- 
 
110 00 Other Liabilities ----------- 7,668 14 
 
Total ------------------$2,187,197 38 Total ___________ _:______ $2,187,197 38 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $1,5~n.~RR OT Capital Stock Paid In _______ $300,000 00 
 
Demand Loans ------------- 105,060 60 Amt. Reserved for Branches ________ _ Loans Secured by Real Estate _________ Surplus Fund -------------- 35,000 00 United States Bonds _______ 242,200 00 Undivided Profits ----------- 23,597 93 
 
Other Stocks and Bonds_____ 10,640 00 Dividends Unpaid ---------- 
 
84 00 
 
Banking House ------------- _________ Due to Banks in this State__ 12,296 48 
 
Furniture and FixturP"----- 20,67.4 32 Due to Banks in other States --------- 
 
Other Real Estate Owned____ Due from Banks in this State 
 
-5-8_,854 __93 
 
Call Money ---------------Individual Deposits Subject 
 
--------- 
 
Due from Banks in other 
 
to Check ----------------- 332,907 70 
 
States ------------------- 15,257 83 DE)mand Certificates of Deposit 4,000 00 
 
Currency ------------------ 24,980 00 Time Certificates of Deposit_ 49,910 00 
 
Gold ----------------------- 
 
220 00 Savings Deposits ----------- 538,716 66 
 
Silver, Nickels, Pennies_____ 5,346 58 Trust Funds on Deposit ____ --------- 
 
Advances on Cotton ________ _________ Cashier's Checks ----------- 
 
816 l 8 
 
Advances on other Commodi- 
 
Certified Checks ------------ 11,873 99 
 
ties --------------------- _________ Bills Payable -------------- 310,000 00 
 
Checks for Clearing- House__ 1,776 83 Notes and BillR Rediscounted 468,722 63 
 
Other Checks and Cash Items _________ Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances ---------- --------Overdrafts (if any) -------- 1,175 62 Reserve for Interest and Taxes --------- 
 
Other Assets --------------- 9,829 14 Other Liabilities ----------- 3,473 32 
 
Total ___________________$2,091,398 89 Total ___________________$2,091 ,398 89 
 
 FmsT ANNUAL UErORT 
 
491 
 
EX:AllllUI"EB'S BEPOB'l:'. 
 
OGLETHORPE SAVINGS & TRUST COMPANY, SAVANNAH. 
 
At Close of Business December 21, 1920. 
 
President-J. S. Collins. Vice-President-J. E. Jordan. Cashier-J. E. Jordan. 
 
Directors-J. S. Collins, Carl Mendel, J. A. Logan, J. E. Jordan, Geo. M. Brinson, 
 
Jno. Obsiek, J. E. Fay, E. A. M. Schroder, Jno. F. Paulsen, 
 
R. M. Hicks, H. M. Babey. 
 
Date of Charter-December 18, 1886. 
 
Began Business--December, 1886. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$325,621 65 Capital Stocl< Paid In _______ $250,000 00 
 
Demand Loans ------------- 230,429 68 Amt. Reserved for Branches --------Loans Secured by Real Estate 649,015 86 Surplus Fund -------------- 150,000 00 United States Bonds ------ 117,486 40 Undivided Profits ---------- 86,962 70 Other Stocks and Bonds ____ 465,970 00 Dividends Unpaid ---------- 2,698 75 
 
Banking House ------------- --------- Due to Banks in this State --------Furniture and Fixtures_____ 10,659 10 Due to Banks in other States --------Other Real Estate Owned____ 42,016 72 Call Money ---------------- ________ _ 
 
Due from Approved Reserve 
 
Individual Deposits Subject 
 
DuAegefnrtosm --B--a-n-k-s---i-n---o-th--e-r 
 
98,597 81 to Check ---------------- --------Demand Certificates of Deposit 34,803 68 
 
States ------------------- _________ Time Certificates of Deposit_ 534,781 38 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton_________ Advances on other Commodi- 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__- 
 
3,471 00 130 00 349 13 
--------- 
--------1,186 2o 
 
Savings Deposits ---------- 857,100 42 Trust Funds on Deposit_____ 76,415 59 
Cashier's Checks ----------- --------Certified Checks ----------- --------Bills Payable -------------- 100,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for 
 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and AcceptO vaenrcdersa f-t s- - -( -i f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
33 22 -- -- -- -- -- -- -- -- -- 
 
Borrowed Money --------Liallility on Letters of Credit 
and Acceptances ---------Reserve for Interest and Taxes Other Liabilities ----------- 
 
--------- 
--------9;711 08 
61,744 55 
 
Other Assets --------------- 39,251 33 
 
Total -------------------$1,984,340 21 Total -------------------$1,984,340 21 
 
BANK'S STATEMffiNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$268,245 41 Capital Stock Paid In_______ $250,000 00 
 
Demand Loans ------------- 229,629 68 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 672,540 41 Thomasville, $25,000 00 
 
United States Bonds ________ 117,436 40 Surplus Fund -------------- 150,000 00 
 
Other Stocks and Bonds _____ Banking House _____ - ______ 
 
466,020 00 _ ____ . __ _ 
 
Undivided Profits ---------Dividends Unpaid ----------- 
 
95,583 71 16 75 
 
Furniture and Fixtures_____ 10,659 10 Due to Banks in this State --------- 
 
Other Real Estate Owne:d____ 42,016 72 Due to Banks in other States --------- 
 
Due from Banl<s in this State 26,277 44 Call Money ---------------- --------- 
 
Due from Banks in other 
 
Individual Deposits Subject 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
16,295 77 to Check ---------------- --------3,132 00 Demand Certificates of Deposit 34,803 68 70 00 Time Certificates of Deposit_ 368,839 51 210 99 Savings Deposits ----------- 867,456 85 
 
Advances on Cotton_________ --------- Trust Funds on Deposit_____ 78,000 71 
 
Advances or, other Commodi- 
 
Cashier's Checks ----------- --------- 
 
ties --------------------- --------- Certified Checks ----------- --------Checks for Clearing House__ --------- Bills Payable -------------- 40,000 00 
 
COut hset or mCehr se'c kLs i a-b-i-l i-t-y- -o-n- - -L-e-t-- 
 
876 98 Notes and Bills Rediscounted --------Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
ances -------------------- --------- Liability on J.etters of Credit 
 
Overdrafts (if any) -------- --------- and Acceptances ---------- --------Other Assets --------------- 41,462 60 Reserve for Interest and Taxes 10,172 29 Trust Mortgages ----------- 13,000 00 Other Liabilities: 
 
Trust Certificates ---------- 13,000 00 
 
Total ------------------$' ':107,873 50 Total ------------------$1,907,873 50 
 
 492 
 
BANKING DEPARTMENT 
 
EXAJilDI'EB'S BEPOB'r, 
 
PEOPLES BANK, SAVANNAH. 
 
At Close of Business November 27, 1920. 
 
President-T. J. McEllerin, Jr. Vice-President and Cashier-A. E. Pierce. 
 
Cashier-A. E. Pierce. 
 
Directors-W w.. 
 
H. H. 
 
Siegler, Wright, 
 
R. J. 
 
S. Reed, J. W. Hester, 
 
Fw. . 
 
Csa. 
 
rney, Godl 
 
M. ey, 
 
Blumenthal, F. M. Amun Thomas, 
 
Oliver, 
 
J. D. Seim, A. W. Solomon. 
 
Date of Charter---,January 29, 1910. 
 
Began Business-February 1, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,890,327 25 Capital Stock Paid In _____$ 100,000 00 
 
Demand Loans ----------- 177,042 04 Amt. Reserved for Branches ---------- 
 
Loans Secured by Real 
 
Surplus Fund ------------- 50,000 00 
 
Estate ----------------- ---------- Undivided Profits --------- 43,960 10 
 
United States Bonds_______ 66,200 00 Dividends Unpaid --------- ---------- 
 
Other Stocks and Bonds ___ 100,000 00 Due to Banks in this State ---------- 
 
Banking House--~--------- ---------- Due to Banks in other 
 
Furniture and Fixtures____ 20,000 00 States ----------------- ---------- 
 
Other Real Estate Owned__ ---------- Call Money --------------- ---------- 
 
Due from Banks In this and 
 
Individual Deposits Subject 
 
other States ------------ 120,975 43 to Check -----'---------- 630,885 17 
 
Currency ----------------- 44,435 00 Demand Certificates of De- 
~?l~er,-Ni-ckcls~-:P;;;;~J.le~==== 1!:~~r ~g TI~:ite~tifi.;-at"e_s_C.Tnevosit -17-4~873-14 
 
Advances on Cotton________ 
Advances on other Commodities ---------------- 
Checks for Clearing House Other Checks and Cash 
Items -----------------Customers' Liability on Let- 
ters of Credit and Accept- 
 
------------------- 
27,862 55 12,978 83 
 
Savings Deposits --------- 1,190,728 79 
 
Trust Funds -------------- ---------- 
 
Cashier's Checks --------- 
 
1,734 23 
 
Certified Checks ----------- 
 
2,643 07 
 
Bills Payable ------------- 300,000 00 
 
Certificates of Deposit for 
 
Borrowed Money -------- ---------- 
 
Liability on Letters of 
 
ances ------------------- ---------- Credit and Acceptances__ ---------Overdrafts (if any) ------- 12,889 95 Reserve for interest and 
 
Other Assets ------------- 
 
5, 776 60 Taxes ------------------ ---------Other Liabilities -------- ------------ 
 
Total -------------------$2,494,824 50 Total -------------------$2,494,824 50 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $J,854,i89 09 Capital Stock Paid In _____$ 100,000 00 Demand Loans _______ :_____ 164,781 84 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ------------- 
 
Estate ----------------- ---------- Undivided Profits --------- 
 
United States Bonds ------ 66,200 00 Dividends Unpaid --------Other Stocks and Bonds ___ 100,000 00 Due .to Banks in this State 
 
50,000 00 42,396 55 
 
War Savings Stamps ------ 
 
3,199 88 Due to Banks in other 
 
Furniture and Fixtures____ 20,000 00 States ------------------ 
 
Other Real Estate Owned__ ---------- Individual Deposits Subject 
 
Due from Banks in this 
 
to Check ---------------- 576,946 79 
 
State ------------------ 18,722 31 Demand Certificates of De- 
 
Due from Banks in other States ----------------- 
Currency ----------------- 
 
posit ------------------54,290 13 Time Certificates of Deposit 175,373 14 81,367 00 Savings Deposits ---------- 1,150,243 79 
 
Gold --------------------- 
 
605 00 Trust Funds on Deposit __ _ 
 
Silver, Nickels, Pennies____ 33,856 67 Cashier's Checks ---------- 
 
Advanc,es on Cotton________ ---------- Certified Checks ----------- 
 
Ad-vances on other Com- 
 
Bills Payable ------------- 
 
7, 729 08 3,451 15 300,000 00 
 
modities ---------------- ---------- Notes and Bills Redia- 
 
Other Checks and Cash 
 
counted ----------------- 
 
Items ------------------ ---------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -------- 
 
ters of Credit and Accept- 
 
Liability on Letters of 
 
ances ------------------- ---------- Creilit and Acceptances__ 
 
Overdrafts (if any) ------- 
 
8,928 58 Reserve for interest and 
 
- - - - - Other Assets ------------- ---------- Taxes ------------------' 
 
Total ------------------$2,401>,140 50 Total ------------------$2,406,140 50 
 
 FIRST ANNUAL REPORT 
 
493 
 
B:XA'liiiNBB'S BBPGB'l'. 
 
SAVANNAH BANK & TRUST COMPANY, SAVANNAH. 
 
At Close of Business November 22, 1920. 
 
President-W. F. McCauley. Vice-Presidents--C. G. Bell, Courtney Thorpe. 
 
Cashier-M. D. Papy. 
 
Directors-W. F. McCauley, C. G. Bell, Courtney Thorpe, M. D. Papy, Geo. P. 
 
Walker, John MaHoch, A. J. Ritch, R. W. Graves, Gordon Saussey, W. 
 
K. Pierce, Albert Wylly, H. D. Weed, W. L. Clay, Geo. A. 
 
Mercer, Leopold Adler, J. L. CaJ'iell. 
 
Date of Charter-March 4, 1869. 
 
Began Business-August, 1869. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$3,492,991 67 Capital Stock Paid In______$ 700,000 00 
 
---------- Demand Loans ------------ 2,253,188 67 Amt. Reserved for Branc11es 
 
Loans Secured by Real 
 
Surplus Fund ------------- 700,000 00 
 
U nEist et adt eS t a- t-e-s- - -B-o-n-d- s- _- _-_-_-_- -_ 
 
229,363 66 Undivided Profits --------359,404 50 Dividends Unpaid --------- 
 
220,186 34 5 00 
 
Other Stocks and Bonds __ _ 405,375 00 Due to Banks in this State_ 588,999 53 
 
Banking House ----------- 528,504 39 Due to Banks in other 
 
Other Real Estate Owned __ Due from Banks in this 
 
9,175 00 InSditvaitdeus al -D--e-p-o-s-i-ts--S--u-b-j-e-c-t 36,953 62 
 
D uSet a tfer o m- - -B-a-n- k- -s - -i-n- - -o-t-h-e-r 
 
---------- 
 
to Check --------------- 2,381,167 Demand Certificates of De- 
 
00 
 
States -----------------Currency ----------------- 
 
1,148,085 133,135 
 
77 00 
 
posit ------------------Time Certificates of Deposit 
 
98,000 00 116,07 4 65 
 
GSiollvder,--N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-__--_ Advances on Cotton 
 
6,365 00 Savings Deposits --------- 1,190,640 85 
 
52,062 65,447 
 
61 64 
 
Cashier's Checks ---------Certified Checks :. ________ _ 
 
2,073 02 694 71 
 
Advances on other Com- 
 
Bills Payable ------------- 1,290,000 00 
 
modities ---------------- ---------- Notes and Bills Redis- 
 
Checks for Clearing House_ Other Checks and Cash 
 
129,566 30 Cecrotiufnicteadtes --o-f--D--e-p-o-s-it---fo--r 1,727,022 36 
 
Items -----------------Customers' Liability on Let- 
 
4,915 47 Borrowed Money -------Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances __ 302,000 00 
 
Ovaenrcdersaft-s--.(-i-f -a-n-y--) --------------- 
 
302,000 00 Reserve for interest and 1,631 68 Taxes -------------~---- 
 
Other Assets ------------- 249,449 28 Other Liabilities ---------- 
 
16,787 01 155 65 
 
Total -------------------$9,370,659 64 Total -------------------$9,370,659 64 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$4,045,200 51 Capital Stock Paid In______ $ 700,000 00 
 
Demand Loans ------------ 2,092,155 74 Amt. Reserved for Branches 
 
Loans Secured by Real 
 
Surplus Fund ------------- 
 
Estate ---------------- 207,278 55 Undivided Profits --------United States Bonds ______ 358,570 50 Dividends Unpaid --------- 
 
Other Stocks and Bonds___ 405,373 00 Due to Banks in this State 
 
700,000 00 231,215 95 
5 00 502,385 99 
 
Banking House ----------- 528,504 39 Due to Banks in other Furniture and Fixtures____ ---------- States ----------------- 
 
113,599 29 
 
Other Real Estate Owned__ 
 
9,175 00 Individual Deposits Subject 
 
Due from Banks in this 
 
to Check --------------- 2,290, 785 01 
 
State -----------------Due from Banks in other 
States ----------------Currency ----------------Gold --------------------Silver, Nickels, Pennies____ 
Advanees on Cotton________ Advanees on other Com- 
 
659,452 
518,108 109,752 
6,370 31,847 
 
72 
99 00 00 15 
 
Demand Certificates of Deposit ------------------ 
Time Certificates of Deposit Savings Deposits --------Trust Funds on Deposit_ __ Cashier's Checks --------- 
 
101,000 00 90,07 4 65 
1,183, 741 33 18,183 92 
5,503 84 
 
---------- 
 
Certified Checks ---------Bills Payable ------------- 
 
7,719 1,340,000 
 
25 00 
 
modities ---------------Checks for Clearing House 
 
---------14,398 55 
 
Notes and Bills Redlscounted ---------------- 
 
1,754,567 
 
51 
 
Other Checks and Cash 
 
Liability on Letters of 
 
Items -----------------Overdrafts (if any) ______ Other Assets: 
 
6,420 27 Credit and Acceptances __ 23,461 39 R,eserve for interest and 
Taxes -------- --------- 
 
6,787 02 
 
Acceptances Purchased ____ Customers' Liability ______ 
 
29,500 00 Other Liabilities: 235,000 00 Aceeptances Sold --------- 
 
235,000 00 
 
Total ___________________$9,280,568 76 Total -------------------$9,280,568 76 
 
 494 
 
BANKING DEPART:r.IENT 
 
EXAMINER'S B.EPOB.T. 
 
WAGE EARNERS SAVINGS BANK, SAVANNAH. 
 
At Close of Business December 17, 1920. 
 
President-L. E. Williams. Vice-President-S. C. Johnson. Cashier-R. A. Harper. 
 
Directors-S. J. Brown, T. M. Holly, Jno. F. Jones, Daniel Simmons, J. M. Ferr.,ll, 
 
J. W. Jameson, Nathan Roberts, A. B. Springfield, H. M. Collier, Jas. 
 
L. Jackson, J. C. Lindsay, J. R. Spaulding. 
 
Date of Charter-October 29, 1915. 
 
Began Business-January 3, 1916. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$218,524 53 Demand Loans ________________ --------- 
Loans Secured by Real Estate 497,510 34 United States Bonds__________ 31,000 0( Other Stocks and Bonds ______ 100,475 00 
Banking House ---------------- 81,224 89 Furniture and Fixtures________ 8,498 53 Other Real Estate Owned______ 35,689 33 Due from App. Res. Agents____ 68,990 56 Due from Banks in other States --------Cur,rency ---------------------- 12,246 00 Gold --------------------------- 1,145 00 Silver, Nickels, Pennies_______ 1,897 19 Advances on Cotton____________ --------Advances on other Commodities --------Checks for Clearing House____ 495 75 Other Checks and Cash Items :m2 31 Customers' Liability on Letters 
of Credit and Acceptances__ ________ _ 
Overdrafts (if any) ------------ --------Other Assets ------------------ 1,078 41 
 
Capital Stock Paid In__________ $ 50,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------- 25,000 00 Undivided Profits ----------~-- 7,951 fiG 
 
Dividends Unpaid -----------Due to Banks in this State___ _ 
 
273 60 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit____ 170,300 00 Savings Deposits ______________ 779,133 42 
 
Trust Funds on Deposit_ ______ _ 
 
Cashier's Checks -------------- 902 73 
 
Certified Checks -------------- 546 54 
 
Bills Payable ------------------ 25,000 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ----------------------$1,059,107 8 Total ----------------------$1,059,107 84 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$215,387 70 Capital Stock Paid In_________$ 50,000 00 
 
Demand Loans ---------------- ________ _ Loans ,Secured by Real Estate 489,213 21 United States Bonds__________ 31,000 00 Other Stocks and Bonds______ 100,475 00 :3anking House ---------------- 81,224 89 Furniture and Fixtures ____ 8,498 53 
 
Amount Reserved for Branches Surplus Fund ________________.__ 
Undivided Profits -------------Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States 
 
25,000 00 6,008 65 
274 80 
 
Other Real Estate Owned______ 35,689 33 Call Money -------------------Due from Banks in this State__ 79,251 98 Individual Deposits Subject to 
 
Due from Banks in other States 
Currency ---------------------Gold -------------------------Silver, Nickels, Pennies_______ Advances on Cotton____________ 
 
--------6,059 on 1,145 00 2,4ol 18 
--------- 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit __ 170,300 00 Savings DeposHs -------------- 799,753 19 Trust Funds on Deposit_ ______ _ 
 
Advances on other Commodities --------- Cashier's Checks -------------- 931 46 
 
Checks for Clearing House____ --------- Certified Checks -------------- 637 49 
 
Othe.- Checks and Cash Items 2,257 94 Bills Payable ------------------ 
 
Customers' Liability on Letters 
 
1'\otes and Bills Rediscounted __ 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ --------- rowed Money ---------------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Barbershop Fixtures ---------- 700 00 and Acceptances ___________ _ 
 
War Savings Stamps__________ 138,80 Rese.-ve for Interest and Taxes 
 
Other Liabilities: 
 
Interest Unpaid Time Certifi- 
 
cates ------------------------ 586 97 
 
Total ----------------------$1,053,492 5f Total ----------------------$1,053,492 56 
 
 FmsT ANNUAL REPORT 
 
495 
 
EXAMINER'S REPORT. 
BANK OF SCOTLAND, SCOTLAND. 
 At Close of Business July 28, 1920. 
President-E. H. Herman. Vice-President-J. T. E1der. Cashier-H. G. McAllister. Directors-E. H. Herndon, J. 'l'. Elder, R. L. Kinchen, S. C. McCltndless, A. F. 
McRae, H. G. McAllister. 
 
RESOURCES 
 
LIABILITIES 
 
j!;~~"an~0t~~n~-================$ 
 
91.348 4,325 
 
10 00 
 
Loans Secured by REal Estate 
lTnited States Bonds ---------Other Stocks and Bonds_____ _ Banking House _____________ _ Furniture and Fixtures _____ _ Other Real Estate Owned _____ _ 
 
5,500 or 
3,428 91 1,919 2f4.438 80 
 
Due from Banks in this State 38.!llr8 61 
 
Due from Banks in other States 
Currency ---------------------SGiolvlder,--N-i-c-k-e-l-s-.--P-e-n-n--ie--s-_-_-_-_-_-_-_-_Advances on Cotton___________ _ 
 
9,180 4r 
1,466 on 
425 00 536 03 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items__ 3.534 3f 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts (if any) ---------- 
 
Other Assets ------------------ 
 
Capital Stock Paid in ----------$ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits -------------Dividends Unpaid ------------Due to Banks in this State---Due to Banks in other States Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand ~e.rtificates of Deposit Time Certificates of Deposit __ Savings Deposits _____________ _ 
 
14,382 31 
74,276 95 49,131 32 
 
Cashier's Checks -------------- 
Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bnr- 
 
2,248 77 
 
Liraobwileitdy MoonneLYe-tt-e-r-s---o-f--C--r-e-d-i-t and Acceptances ___________ _ 
 
Reserve for Interest and Taxes Other Liabilities -------------- 
 
1 17 
 
Total ------------------------$165.040 6" Total ------------------------$165,040 5~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920.  
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------------$ 4,100 00 Demand Loans ---------------- 91,885 33 Loans Secured by Real Estate 
United States Bonds ---------- 5,ooo oo 
Other Stocks and Bonds._____ _ 
 
Banking House ---------------- 3,.{28 91 Furniture anrl Fixtures _______ _ 2.09'6 7r 
 
Othe.r Real Estate Own"d ___ _ 4.874 8!' 
 
Due from Banks in this State __ 8,262 67 
 
Due from Banks in other States 2.fi07 24 
 
Currency ---------------------Gold -------------------------Silver, Nickels. Pennies _____ _ 
 
795 00 462 fin 862 92 
 
Advances on Cotton ---------Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items__ 
Customers' Liability on Letters 
 
566 66 
893 95 267 24 
 
of Credit and Acceptances__ 
 
Overdrafts (if any) ---------- 
 
Other Assets ------------------ 
 
Capital Stock Paid In__________ $ 25,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ----------------- 5.000 00 Undivided Profits ------------ 11,938 49 
 
Dividends Unpairl ------------Due to Banks in this State___ _ 
 
Due to Banks in other States 
 
Call M'oney -------------------Individual Deposits Subject to 
 
Check ----------------------- 37,596 89 Demand Certificates of Deposit 
 
Time Certificat"s of Deposit __ 46, 74'6 63 
 
STarvuisntgFsuDndeps oosnitsDe-p--o-s-i-t_--_-_-_-__-_--_ Cashier's Checks _____________ _ 
 
222 02 
 
Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bo.r- 
 
rowed MoneY ---------------Liability on Letters of Credit 
and Acceptances ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$126,504 03 Total ______________________ _:_$126,504 03 
 
 F 
 
496 
 
BANKING DEPARTMENT 
 
EXAliiiNEB.'S B.EPOB.T. 
 
SCOTT BANKING COMPANY, SCOTT. 
 
At Close of Business July 14, 1920. 
 
Presldent-L. 0. Benton. Vice-Presidents-C. W. Brown, S. H. Lynch. 
 
Cashier--<R. R. Teagle. 
 
Directors-L. 0. Benton, C. W. Brown, T. J; Burke, W. R. Smith, L. W. Smith, 
 
H. A. Stewart, H. Dean Wagoner. 
 
Date of Charter-February 5, 1906. 
 
Began Business-1906. 
 
RESOURCES 
 
LIABJLITIES 
 
Time Loans --------------------$ 70,070 70 
 
Demand Loans ---------------- 1,631 00 Loans Secured by Real Estate United States Bonds__________ _ 
 
Other Stocks and Bonds _____ _ 2,000 00 
 
Banking House ---------------- 1,200 00 FurnitUJre and Fixtures ------ 1,000 00 Other Real Estate Owned_____ _ 
 
Due f.rom Banks in this State 4,839 53 
 
Due flrom Banks in other States 4,558 73 
 
Currency ---------------------SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-_-_-_-_ Advances on Cotton___________ _ 
 
593 00 20 00 
1,261 18 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items __ 381 78 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ Overdrafts (if any) _________ _ 
 
Other Assets ------------------ 
 
CapHal Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 3.000 00 Undivided Profits -------------- 5,391 01 
 
Dividends Unpaid ------------ 
 
5 00 
 
Due to Banks In this State __ --------- 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 24,241 58 Demand Certificates of Deposit --------Time Certificates of Deposit __ 39,887 24 
 
Savings Deposits -------------- --------Trust Funds on Deposit________ --------- 
 
Cash'ier's Checks -------------- 
 
2"2 63 
 
Certified Checks -------------- --------- 
 
Bills Payable ------------------ --------Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Resenre for Interest and Taxes --------- 
 
Other Liabilities -------------- 
 
8 46 
 
Total ------------------------$ 87,555 92 Total ------------------------$ 87,555 92 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 66,778 28 
 
Demand Loans ---------------- 5,588 00 
 
Loans Secured by Real Estate 
 
United States Bonds__________ _ Other Stocks and Bonds _____ _ 
 
---5ml-oo 
 
Banking House ---------------- 1,200 uo 
 
Furniture and Fixtures _______ _ 1,000 00 
 
Other Real Estate Owned_____ _ 
 
Due f,rom Banks in this State __ Due from Banks in other States 
 
165 92 2 77 
 
Currency ---------------------- 533 00 
 
Gold --------------------------SAidlvvearn, cNesickoenls,CPoetntonni_e_s__-_-_-_-_-_-_--_ 
Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items Customers' Liability on Letters 
 
605 2~ 548 30 
290 00 298 35 
 
of Credit and Acceptances__ 
 
Overdrafts (if any) ---------- 
 
Other Assets ------------------ 184 70 
 
CapHal Stock Paid In__________ $ 15,000 U1l 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 3,000 00 
 
Undivided Profits ------------ 3, 934 gr; 
 
Dividends Unpaid ------------ 
 
5 00 
 
Due to Banks in this State __ --------- 
 
Due to Banks in other States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 13,344 36 Demand Certificates of Deposit --------Time Certificates of Deposit __ 38,303 22 Savings Deposits -------------- ________ _ 
 
Trust Funds on Deposit________ --------- 
 
Cashier's Checks -------------- --------Certified Checks -------------- 107 04 
 
Bills Payable ------------------ 4,000 00 Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Resenre for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$ 77,694 57 Total ------------------------$ 77,694 57 
 
 FIRST ANNUAL REPORT 
 
49'l' 
 
EXAliiDTEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, SENOIA. 
 
At Close of Business September 2, 1920. 
 
President-R. L. Hardy. Vice-Presidents-C. C. McKnight, L. L. Hutchinson. 
 
D 
 
i 
 
rectors-R. 
 
L. 
 
Harvey, 
 
Cashier-H. G. C. C. McKnight, 
 
Hutchinson. L. L. Hutchinson, 
 
:r. 
 
FreemOatnh,elLMeeorHgaann,d,:r.L 
 
. B 
 
P. Branden . McCrary, 
 
burg, W. F. Baggerly, W. H. :Johnson, E. H. 
 
:rW. D. .AHrnuanllt,erR, . 
Powers. 
 
W. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$3H~.81H 4" Capital Stock Paid In__________ $ 50,000 00 
 
Demand Loans ---------------- 70,834 6? Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund ----------------- 50.000 oo 
 
United States Bonds ---------- 9, 739 21 Undivided Profits -------------- 21.1.07 11 
 
Other S.tocks and Bonds______ --------- Dividends Unpaid ------------ 259 00 
 
Banking House ---------------- 1,250 or Due to Banks in this State ____ --------Furniture and Fixtures ________ --------- Due to Banks in other States --------- 
 
Other Real Es.tate Owned______ --------- Call Money -------------------- --------Due from Banks in this State 50,077 00 Individual De.pos.its Subject to 
 
Due f,rom Banks in other States 18.812 30 Check ----------------------- 237,884 65 
 
Currency ---------------------- 2,319 00 Demand Certificates of Deposit --------- 
 
SGiolvlder, --N-i-c-k-e-l-s-.--P--e-n-n-i-e-s---_-_-__-_--_ 
 
1!\7 50 Time Certificates of Deposit __ 133,900 74 7F>R fi.' Savings Deposits -------------- --------- 
 
Advances on Cotton _________ _ 40,770 66 Trust Funds on Deposit________ --------- 
 
Advances on other Commodities --------- Cashier's Checks ------------- 1,073 89 
 
Checks for Clearing Honse____ Other Checks and Cash Items__ 
 
________ _ 4,645 14 
 
Certified Checks -------------Bills Payable ------------------ 
 
1_0_0~000--1-)-0 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted__ --------- 
 
of Credit and Acceptances__ --------- Certificates of Deposit for BorOverdrafts (if any) ___________ 4,041 93 rowed Money ---------------- ________ _ 
 
Other Assets ------------------ --------- Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
1Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$597,225 3' Total ------------------------$597,225 39 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILI'l'IES 
 
Time Loans -------------------$361,922 2 Demand Loans ---------------- 56,250 47 Loans .Secured by Real Estate __ United States Bonds __________ -7~8~7-is 
Other Stocks and Bonds______ --------Banking House and Furniture 
and FixtUJres ---------------- 1,250 00 Other Real Estate Owned_____ _ Due from Banks in this State 2-4~ifiY9-27 Due from Banks In other States 13.280 94 Currency ---------------------- 5,523 00 
Gold -------------------------- 1.no oo 
Silver, Nickels, Pennies ______ 1,080 2l' 
Advances on Cotton ------------ 42,020 78 Advances on other Commodities --------Checks for Clearing House ---- 1,692 0' Othe.. Checks and Oash Items 2'27 15 Customers' Liability on Letters 
of Credit and Acceptances__ ________ _ 
Overdrafts (if any) ------------ l,:f63 8? Other Assets ------------------ __ ...._ ____ _ 
 
Capital Stock Paid In_________$ 50,000 00  
 
SAumrpoluunst 
 
RFeusnedrv 
 
e_d__f_o_r__B__r_a_n 
 
ches 
____ 
 
-5-0-,0-0-0---00- 
 
7 
 
Undivided Plrofits -------------- 21,K27 ~~ 
 
Dividends Unpaid -------------- 259 00 Due to Banks In this State ____ --------- 
 
Due to Banks in other States --------- 
 
CaJl Mioney -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 163,406 2fi Demand Certificates of Deposit --------Time Certificates of Deposit __ 106,098 33 
 
Savings Deposits -------------- --------T.rust Funils on Deposit ______ --------- 
 
Cashier's Checks -------------- 1,016 01 
 
Certified Checks -------------- --------Bills Payable ------------------ 125,000 00 
 
Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed MoneY ---------------- --------Liability on Letters of Creilit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$517,607 2? Total ------------------------$517,607 2? 
 
 498 
 
BANKING DEPAHTMENT 
 
EXAMINER'S B.EPOB.T. 
 
BANK OF SHADY DALE, SHADY DALE. 
 
At Close of Business September 27, 1920. 
 
President~L. 0. Benton. Vice-President-'\V. J. Tucker. Cashier-T. C. Tucker. 
 
Directors-L. 0. Benton, G. A. Tucker, M. C. Mobley, W. J. Tucker. Eugene 
 
Benton, J. N. Spears, T. E. Cook. 
 
Date of Charter-September 14, 1907. 
 
Began Business-October 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$170,643 79 Capital Stock Paid In_________ $ 25,000 00 Demand Loans ---------------- 1,000 00 Amount Reserved for '3ranches ----- .. Loans Secured by Real E~t'Hc ___ ------ Surplus Fund ---------------- 15,000 00 United States Bonds___________ ________ _ Undivided Profits ------------ 8,424 41 
 
Othe,r Stocks and Bonds -----Banking House -------------Furniture and Fixtures -----Other Real Estate Owned_____ Due from Banks in this State Due from Banks in other States Currency ---------------------Gold --------------------------Silver, Nickels, Pennies ______ Advances on Cotton____________ 
 
1.250 00 1. 750 00 1,350 00 ________ _ 4,972 64 
242 8~ 1,189 00 ________ _ 1,094 81 ________ _ 
 
Dividends Unpaid -------- . Due to Banks in this Statfl__ Due to Banks in other States Call Money -------------------Individual Deposits Subject to 
DeCmheacnkd -C--e-.r-t-i-fi-c-a-t-e-s--o-f--D-e--p-o-s-i-t Time Certificates of Deposit __ Savings Deposits -------------Trust Funds on Deposit -~---- 
 
----------10,000 00 ----------------- 
28,779 15 5,000 00 5,926 93 ----------------- 
 
Advances on other Commoditi0:3 Checks fo.r Clearing House __ Other Checks and Cash Items __ Customers' Liability on Letters 
of Credit and Acceptances__ 
 
-------52 26 262 73 
________ _ 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable ---------------Notes and Bills Rediscounted__ Certificates of Deposit for Bor- 
 
-------------- .. -72.500 00 17,821 85 
 
Overdrafts (if any) ---------- 4,663 98 rowed Money ---------------- --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
War Savings Stamps ---------- 
 
63 45 and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities: 
 
Cash Long -------------------- 
 
75 20 
 
Total ------------------------$188,527 5' Total ---------------------~--$188,527 54 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$161,827 I3 Capital Stock Paid In__________$ 25,000 00 
 
Demand Loans ---------------- --------Loans Secured by Real Estate 
 
Included above -------------- --------United States Bonds___________ --------- 
 
Other Stocks and Bonds _____ _ 1.250 00 Banking House _____________ _ 1, 750 00 Furniture and Fixtures _______ _ 1,350 00 
 
Other Real Estate Owned______ --------Due from Banks in this State __ 484 28 
 
Due from Banks in other States fiJlO 2c 
 
Currency ---------------------- 258 00 
 
Gold -------------------------- 
 
62 fiO 
 
Silver, Nickels. Pennies _____ _ 907 74 
 
Advances on Cotton _________ _ 4.152 06 
 
Advances on other Commoditi0a ___ ..____ _ 
 
Amount Reserved for Dtanches Surplus Fund ----------------Undivided Profits -----------Dividends Unpaid -----------Due to Banks in this State ___ _ Due to Banks in other States Call Money -------------------Individual Deposits Subject to 
DCemheacnkd -C--!o--rt-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t Time Certificates of Deposit __ Savings Deposits -------------Trust Funds on Deposit _____ _ Cashier's Checks _____________ _ Certified Chec](.s -------- ____ _ 
 
15,liM 00 7,922 48 
15,000 00 
15,548 09 9,!Z'33 28 
200 50 
 
Checks for Clearing House____ --------- Bills Payable ---------------- 67,500 00 Other Checks and Cash Items 686 61 Notes and Bills Rediscounted 17,821 85 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- rowed Money ---------------- 
 
Ove.rdrafts (if any) -----------Other Assets: 
 
43 08 
 
Liability on Letters of Credit and Acceptances ___________ _ 
 
War Savings Stamps ---------- 
 
63 45 Reserve for Interest and Taxes Other Liabilities: 
 
Due Clearing House ---------- 128 87 
 
Total ------------------------$173,3155 07 Total ------------------------$173,355 07 
 
 FmsT ANNUAL REPORT 
 
499 
 
EXAMINER'S B.EPOB.T, 
 
CITIZENS BANK, SHADY DALE. 
 
At Close of Business September 28, 1920. 
 
President-D. N. Harvey. Vice-President-W. W. Perry. Cashier-M. B. Perry. 
 
Directors-D. N. Harvey, B. M. Davidson, E. H. Kelly, J. W. Spears, M. B. Perry, 
 
C. 
 
D. 
 
Athon, 
 
Jr., 
 
0. 0. 
 
Ea. . 
 
Lancaster, Banks, J. 
 
L. H. 
 
A. Mercer, Young. 
 
W. 
 
W. 
 
Perry, 
 
Date of Charter-FebJ:uary 6, 1920. 
 
Began Business-April 12, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 66,923 89 
 
Demand Loans ---------------- 1,035 00 
 
Loans Secured by Real ~dt.a+:.j 
 
United States Bonds__________ _ --------- 
 
Other Stocks and Bonds_____ _ --------- 
 
Banking House ---------- _____ _ ---- _____ 
 
Furniture and Fixtures _____ _ 5,343 61 
 
Other Real Estate Owned_____ _ --------- 
 
Due from Banks in this State 14,747 54 
 
Due fa-om Banl;:s in other States 1,639 65 
 
Currency ---------------------- 3,966 00 
 
Gold -------------------------- 
 
40 00 
 
AS idl vvearn, c eNsi cokne lCs ,o tPt oenn_n_i_e_s___-_-_-_-_- -_ 
 
490 83 --------- 
 
Advances on other Commodities ..-- .. --- - 
 
Checks for Clearing House ___ _ _________ 
 
Other Checks and Cash Items__ --------Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any) _________ _ 
 
Other Assets: Banking House (Repairs) ___ _ 1,523 34 
 
Capital Stock Paid in ------$ 30,000 00 Amount Reserved for Branches --------Surplus Fund ----------------- --------Undivided Profits ------------ 373 93 Dividends Unpaid ------------ --------Due to Banks in this State ____ --------Due to Banks in other States --------Call Money -------------------- --------Individual Deposits Subject to 
Check ------------------- 20,418 84 Demand Certificates of Deposit --------Time Certificates of Deposit.._ 29,778 89 
Savings Deposits -------------- --------Trust Funds on Deposit ------ --------Cashier's Checks -------------- 138 20 Certified Checks --------- __ _ --- ..--- 
Bills Payable -------------- . 15,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total __ ----------------------$ 95,709 86 Total ------------------------$ 95,709 85 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 70,538 34 
Demand Loans ---------------- 1,00U 00 Loans Secured by Real E'state 1,580 82 United States Bonds__________ _ 
 
Other Stocks and Bonds_____ _ 
 
Banking House ------------ __ _ Furniture and Fixtures _____ _ 6,866 95 Other Real Estate Owned_____ _ 
 
Due from Banks in this State 10,257 07 
 
Due from Banks in other States 1,566 27 
 
Currency ---------------------Gold -------------------------Silver, .Nickels, Pennies -----Advances on Cotton___________ _ 
 
514 00 5 00 
294 50 
 
Advances on other Commoditi-33 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items __ 
 
30 00 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts (if any) ---------Other Assets: 
 
Stationery --------------------- 79"1 05 
 
Capital Stock Paid in --------$ 30,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits -----------Dividends Unpaid -----------Due to Banks in this St1ate ---Due to Banks in other States 
 
1,331 16 
 
Call Money -------------------Individual Deposits Subject to 
Check ---------------------Demand Cwtificates of Deposit Time Certificates of Deposit__ 
 
16,,024 06 25,849 56 
 
Savings Deposits -------------Trust Funds on Deposit ------ 
Cashier's Checks -------------C!'lrtified Checks ---------- --Bills Payable -----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
239 22 20,000 00 
 
Liraobwileidty MoonneLye-tt-e-r-s---o-f--C--r-e-d-i-t 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 93,444 00 Total ------------------------$ 93,444 00 
 
 500 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB':l'. 
 
BANK OF SHARON, SHARON. 
At Close of Business August 27, 1920. 
President~G. N. Wright. Vice-President-'-J. A. Kendricks. Cashier-0. G. Stone. Directors-G. N. Wright, J. A. Kendricks, B. C. Wright, W. R. Moore, J. W. Fallin. 
Date of Charte.r-1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$106,0:!5 20 
 
Demand Loans ---------------- 25,608 00 
 
Loans Secured by Real Estate 14,157 50 
 
United States' Bonds ---------- 2,000 00 
 
Other Stocks and Bonds______ -------Banking House ------------ --- _____ . _ 
 
Furniture and Fixtures -------- 906 79 
 
Other Real Estate Owned______ --------- 
 
Due f<rom Banks in this State__ 28,530 88 
 
Due from Banks in other States 277 19 
 
Currency ---------------------- 3,724 00 
 
SGiolvlde 
 
r, 
 
-----------------------~-- 
Nickels, Pennies ______ 
 
540680 0104 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodities ___ ----- 
 
Checks for Clea..ing House -L-- 
 
83 00 
 
Other Checks and Cash Items__ ________ _ 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if anY) ------------ 3,563 43 Other Assets __________ :_______ --------- 
 
Capital Stock Paid in --------$ 15,000 00 Amount Reserved for Branches Surplus Fund ------------------ 22,000 00 Undivided Profits -------------- 10,997 37 
 
Dividends Unpaid ------------Due to Banks in this State ___ _ 
 
Due to Banks in other States 
 
Call Money ------------------lndividual Deposits Subject to 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ 
 
92,506 86 34,854 90 
 
Savings Deposits -------------Trust Funds on Deposit ------ 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted Certificates of Deposit for Bor- 
 
10,000 00 
 
Liraobwileitdy MoonneLye-tt-e-r-s---o-f--O--r-e-d-i-t 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$185,632 85 Total ------------------------$185,6ml 85 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 96,135 b3 Demand Loans ---------------- 13,800 00 Loans Secured by Real Estate 
 
United States Bonds ---------- 2,000 00 Other Stocks and Bonds-----Banking House ---------- __ ___ 
 
Furniture and Fixtures -----Other Real Estate Owned______ 
 
906 79 
 
Due from Banks in this State 30,940 58 
 
Due from Banks in other States 1,211 53 
 
Currency ---------------------Gold ~-------------------------Silver, Nickels, Pennies -------Advances on Cotton______c____ _ 
 
1,553 00 40 00 
361 50 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items__ 
 
Customers' Liability on Letters of Credit and Acceptances__ 
 
Overdrafts (if any) ---------- 
 
Other Assets ------------------ 
 
Capital Stock Paid in --- ---$ 15,000 00 Amount Reserved for Bran~..as --------Surplus Fund ------------------ 22,000 00 Undivided Profits -------------- 12,5TI! 62 Dividends Unpaid ------------- --------Due to Banks in this State ____ --------Due to Banks in other States --------Call Money -------------------- ___, ____ _ Individual Deposits Subject to 
Check ----------------------- 65,855 56 Demand Certificates of Deposit --------Time Certificates of Deposit__ 31,579 85 
Savings Deposits -------------- --------Trust Funds on Deposit ______ -------- 
Cashier's Checks -------------- --------Certified Checks -------------- --------Bills Payable ----------------- --------Notes and Bills Rediscounted -------- Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of C<redit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$146,949 O! Total ------------------------$146,949 03 
 
 FIRST ANNUAL REPORT 
 
501 
 
EXAMUI"EB'S BEPOBT. 
SHARPSBURG BANKING COMPANY, SHARPSBURG. 
 
President-J. R. Cole. Cashier-W. L. MCLean. 
 
Directors--J. R. Cole, W. L. McLean, L. E. Wood, J. R. Ingram, J. C. Harris. 
 
Date of Charter-september 29, 1911. 
 
Began Bus'iness-October 3, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 34,413 26 
Demand Loans ---------------- 1,3U2 80 Loans Secured by Real Est-tte United States Bonds__________ _ Other StockS and Bonds _____ _ 
Banking House ---------------- 1,598' 36 Furniture and Fixtures ------ 1,222 22 Other Real Estate Owned_____ _ 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches surplus Fund ----------------- 
 
--8~ioo-iio 
 
Undivided Profits -------------- 2,294 82 
 
Dividends Unpaid ------------- --------Due to Banks in this State ____ --------- 
 
Due to Banks in other State3 ---------Call Money -------------------- _____ ,.__ _ 
 
Due from Banks in this State 2,901 65 Individual Deposits Subject to 
 
Due from Banks in other States 2,955 39 Currency ---------------------- 758 00 
GSiollvder-, --N-i-c-k-e-l-s-, --P-e-n-n-i-e--s--_-_-_-__--_ ----so-82 
Advances on CottotL----------- 
 
Check ----------------------Demand Certificates of Deposit 'l'ime Certificates of Deposit -~ Savings Deposits -------------Trust Funds on Deposit ______ 
 
21,000 60 36 00 
--------- 
----------------- 
 
Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items__ Customers' Liability on Letters 
 
Cashier's Checks -------------- --------251 07 Certified Chec]j:s -------------- --------- 
BNiolltses PaanyuablBe il-ls---R-e--d-i-s-c-o-u-n-t-e-d- -__-_-_-.-_--_-_ 
 
of Credit and Acceptances__ 
 
Certificates. of Deposit for Bor- 
 
Overdrafts (if any) ---------Other Assets ------------------ 
 
967 85 rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ----------------------"-$ 46,431 42 Total ------------------------$ 46,431 42 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 27,773 10 
Demand Loans ---------------- 1,267 48 Loans Secured by Real Estab United States Bonds__________ _ Other Stocks and Bonds_____ _ 
Banking House -------------- 1,598 36 Furniture and Fixtures ------ 1,222 22 Other Real Estate Owned_____ _ Due from Banks in this State __ 11,032 OJ 
 
Capital Stock Paid In__________ $ 15,000 00 Amount Reserved for Branches Surplus Fund ----------------- 8,100 00 Undivided Pirofits -------------- 3,2U7 17 DDiuveidteonBdsanUksnpinaitdhis--S--ta--te---__-_--_ Due to Banks in other State;; 
Call Money -------------------Individual Deposits Subject to 
 
Due from Banks in other States 
Currency ---------------------GSiollvder-, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ 
Advances on Cotton ---------- 
 
1,260 73 7,989 00 
205 04 975 95 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit __ STarvuisntgFs uDnedpsosoints D-e-p--o-s-i-t --__-_-_-_--_ 
 
27,480 20 ~ 00 
 
Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items__ 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable ----------------- 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted 
 
of Credit and Acceptances__ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any) ---------Other Assets ------------------ 
 
59 48 rowed Money ---------------Liability on Letters of Credit and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 53,883 37 Total ------------------------$ 53,883 37 
 
 502 
 
BANKIKG DEPARTMENT 
 
EXAMI:NEB'S BEPOBT. 
 
SHELLMAN BANKING COMPANY, SHELLMAN. 
 
At Close of Business August 10, 1920. 
 
President-W. J. Oliver. Vice-President-Jas. M. Wooten. Cashier-T. R. Arthur. 
 
Directors-W. J. Oliver, Jas. M. Wooten, T. R. Arthur, H. R. Watson, 
 
J. L. Thompson. 
 
Date of Charter-December 4, 1890. 
 
Began Business--September 1, 1890. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 70.355 17 Capital Stock Paid In__________ $ 25,000 00 
 
Demand Loans ---------------- 2,500 00 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds -------- 
 
45,000 00 5,000 00 
 
Surplus Fund ----------------Undivided Profits ------------ 
 
23,500 1,771 
 
0o0o 
 
Other Stocks and Bonds_____ _ 
 
Dividends Unpaid ------------- --------- 
 
Banking House --------------- 6,117 09 Due to Banks in this State ---- --------- 
 
Furniture and Fixtures _______ _ 3,796 00 Due to Banks in other States --------- 
 
Other Real Estate Owned____ _ 
 
Call Money -------------------- 
 
Due from Banks in this :State 6,!11 ~9 Individual Deposits Subject to 
 
Due from Banks in other States 2,434 45 Check ----------------------- 47,271 26 
 
Cum-ency ---------------------SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-__-_-_--_ 
Advances on Cotton ---------- 
 
1,98"6 00 Demand Certificates of Deposit --------705 00 Time Certificates of Deposit __ 18,305 37 903 17 Savings Deposits -------------- --------Trust Funds on Deposit ______ --------- 
 
Advances on other Commodities Checks for Clearing House___ _ 
 
Cashier's Checks -------------- 5,027 60 456 67 Certified Checks -------------- ________ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
149 04 Bills Payable ------------------ 25,000 00 Notes and Bills Rediscounted ---------- 
 
of Credit and Acceptances__ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any) -----------Other Assets ------------------ 
 
61 83 rowed Money ---------------- --------Liability on Letters of Credit and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$145,875 81 Total ------------------------$145,875 81 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------~-$168",388 94 
 
Demand Loans ---------------- 9,350 00 Loans Secured by Real Estat~ ---------- 
 
United States Bonds ---------- 5,000 00 Other Stocks and Bonds______ --------- 
 
BanMng House -------------- 6,117 09 Furniture and Fixtures ______ 3, 796 00 Other Real Estate Owned ____ ________ _ 
 
Due from Banks in this State 3,059 28 
 
Due f!I'Om Banks in other States 1,586 44 
 
Currency ---------------------- 3,612 00 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s--_-_-_-_-_-_- 
 
753451 0606 
 
Advances on Cotton ---------- 10,233 40 
 
Advances on othe,r Commodities --------Checks for Clearing House____ --------Other Checks and Cash Items__ --------Customers' Liability on Letters 
of Credit and Acceptances__ ________ _ 
 
Overdrafts (if any) ---------- 221 63 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid In__________$ 25,000 00 
Amount Reserved for Lr-tnches --------Surplus Fund ------------------ 23,500 00 Undivided Profits ------------ 1, 799 75 Dividends Unpaid ------------- --------Due to Banks in this State ____ --------Due to Banks in other States --------Call Money -------------------- ------ __ _ Individual Deposits Subject to 
Check ----------------------- 47,2"85 36 Demand Certificates of Deposit --------Time Certificates of Deposit __ 14,465 57 
Savings Deposits -------------- --------Trust Funds on Deposit ------ ________ _ Cashier's Checks -------------- 590 76 Certified Checks -------------- --------BNioltles sPaaynadbleBi-l-ls---R--e-d-i-s-c-o-u-n-t-e-d- _4_0_,_0_0_0__00_ 
Certificates of Deposit for Bor- 
rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$152,fr4I 44 Total ------------------------$152,6~1 44 
 
 FIRST ANNUAL REPORT 
 
503 
 
EXAMINER'S REPORT. 
 
BANK OF SHILOH, SHILOH. 
 
At Close of Business August 4, 1920. 
 
President-E. B. T.rammell. Vice-President-W. R. Parker. Cashier-M. A. Camp. Directors-E. B. Trammell, W. R. Parker, R. S. Sparks, B. J. McDaniel, J. C. Grant. 
 
Date of Charter-September 7, 1911. 
 
Began Business-January, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLd oLanosans---_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
57,665 1,8ll6 
 
30 08 
 
Loans Secured by Rea]. Estate 
 
United States Bonds ---------- 5,200 00 Other Stocks and Bonds_____ _ 
 
BFuanrnkiitnugreHoaunsde F--i-x-t-u-r-e-s---_-__-_-_--_ Other Real Estate Owned ___ _ 
Due from Banks in this State __ 
Due from Banks in other States 
 
1,800 00 2,000 00 1,488 61 
5,b52 04 
9 92 
 
Currency --------------------GSiollvder-, --N-i-c-k-e-l-s-.--P--e-n-n-i-e-s---__-_-_-_--_ Advances on Cotton _________ _ 
 
4,079 77 
 
Capital Stock Paid In__________$ 25,000 00 
 
Amount Reserved for nranches 
 
Surplus Fund ----------------Undivided Profits -----------Dividends Unpaid ------------Due to Banks in this State ___ _ 
 
5,116 66 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------Demand Cecr"tificates of Deposit Time Certificates of Deposit __ 
 
20,027 '~ 6,531 0~ 
 
STarvuisntgFs uDnedpsoosints D-e-p--o-s-i-t --__-_-_-_--_ 
 
Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items__ 
Customers' Liability on Letters of Credit and Acceptances__ 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted Certificates of Deposit for Bor- 
 
801 68 25,000 00 
 
Overdrafts (if any) -----------Other Assets ________ ---------- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 82,477 2f Total ------------------------$ 82,477 26 
BANK'S STATEMENT at Close of Business December 15, 1920 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 52,036 84 
Demand Loans ---------------- 1,781 22 Loans Secured by Real 8Rt'lt~ UOnthiteerd 8Stotactkess aBnodndBs o-n-o-s-.-__-_-_-_--_ 
 
Capital Stock Paid In__________$ 25,1Jl)O 00 
 
Amount Reserved for Branches 
 
Surpl:us Fund ----------------DUinvdiidveinddesd UPnropfaiitds -_-_-__-_-_-_-_-_-_-_-_--_ 
 
4,394 zn 
 
Banking House --------------Furniture and Fixtures _____ _ Other Real Estate Owned ___ _ 
Due from Banks in this State 
 
1,800 00 Due to Banks in this State __ 2,000 0(\ Due to Banks in other States 1,48'8 61 Call' Money -------------------4,935 03 Individual Deposits Subject to 
 
Due from Banks in other States 
Cucr"rency ---------------------GS iollvde r-, - -N-i-c-k- -e-l s-,- -P- -e-n-n- -i e-s- - -_-_-_-_- - 
 
2 1,!r48 
 
5o7r 
 
Check ----------------------Demand Certificates of Deposit 
 
11,650 66 
 
Time Certificates of Deposit__ 4,895 36 
 
'721 4 2 Sav-ings Deposits -------------- 
 
Advances on Cotton ---------Advances on othe.r Commodities Checks for Clearing House ___ _ Other Che.cks and Cash Items Customers' Liability on Letters 
 
1,428 42 
 
Trust Funds on Deposit -----Cashier's Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted 
 
152 40 22,917 56 
 
of Credit and Acceptances__ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any) -----------Other Assets ------------------ 
 
961! 16 rowed Money ---------------Liability on Letters of Credit and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$ 69,lf10 27 Total ------------------------$ 69,010 27 
 
 504 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF SILOAM, SILOAM. 
 
At Close of Business August 7, 1920. 
 
President-Jno. F. Holden. Vice-Rresident-Jas. B. Dalbin. 
 
Directors-Jno. 
 
F. 
 
Holden, 
 
Ca Jas. 
 
shi B. 
 
er-W. Dalbi 
 
M n, 
 
.wR.eyMn.olRdse.y 
 
n 
 
ol 
 
ds, 
 
S. 
 
B. 
 
Freeman, 
 
J. 
 
A. 
 
Reynolds, W. H. Lewis, C. B. O'Neal. 
 
Date of Charter-October 18, 1904. 
 
Began Business-1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 62,692 72 Capital Stock Paid In__________ $ 15,000 00 Demand Loans ---------------- 2,750 00 Amount Reserved for l>Ianches ----- -Loans Secured by Real Estate 2,860 00 Surplus Fund ------------------ 10,000 00 
 
United States Bonds ---------Other Stocks and Bonds_____ _ 
 
BFuarnnkiitnugreHoaunsde F--ix--t-u-r-e-s---__-_-_-_--_ 
 
2,500 00 1,500 00 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State__ -4~457'42 
 
Undivided Profits -------------Dividends Unpaid ------------Due to Banks in this State __ Due to Banks in other States 
Call Money -------------------Individual Deposits Subject to 
 
12,639 40 ------------------------- 
--------- 
 
Due from Banks in other States 2,178 Sf Check ----------------------- 49,761 93  
 
Currency ---------------------GSiollvder,---N-i-c-k-e-l-s-.--P--e-n-n-i-e-s---__-_-_-_--_ 
 
2,62'0 0' Demand Certificates of Deposit --------Time Certificates of Deposit __ 15,546' 92 
375 29 Sav>ings Deposits ------------- --------- 
 
Advances on Cotton ---------- 
 
Trust Funds on Deposit ------ --------- 
 
Advances on other Commodities Cheeks for Clearing House __ Other Checks and Cash Items Customers' Liability on Letters 
 
Cashier's Checks ------------- --------349 09 Certified Checks -------------- --------659 87 Bills PaYable ----------------- --------- 
Notes and Bills Rediscounted__ --------- 
 
of Credit and Acce.ptances __ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any) ---------Other Assets: 
 
rowed Money --------------- --------Liability on Letters of Credit 
 
S M Whitney & Co Cotton Note 10,000 00 and Acceptances ------------ --------- 
 
'Dreasurer Certificate ---------- 10,000 00 Reserve for Intere.st and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
f Total --------------------$102,a !~ 25 Total ------------------------$102,94"& 2r: 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
~~~~~a~s================$ 60,238 60 2,500 00 Loans Secured by Real Esb.'.<3 
 
United States Bonds Treasury 
 
Certificates ------------------ 1o,ooo or 
 
-isoooo Other Stocks and Bonds..____ 
 
BanllJing House Furniture and 
 
---~-----------Fixtures _____ _ 
 
1,500 00 
 
Other Real Estate Owned ___ _ 
 
Capital Stoek Paid in ________$ 15,000 0'0 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- 10,000 00 
 
Undivided Profits ------------ 10,790 ~"' 
 
DiV'idends Unpaid ------------ 
 
12 00 
 
Due to Banks in this State __ --------Due to Banks in other States ________ _ 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Due from Banks in this State Due from Banks in other States 
 
11,081 70 353 77 
 
DeCmhaenckd C--e-r-t-if-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
_3_4_,_7_0_8__85_ 
 
Currency ---------------------- 3,943 00 Time Certificates of Deposit._ 13,279 41 
 
Gold -------------------------AS idl vvearn, c eNsi cokne lCs ,o tPt oenn_n_i_e_s__-__-_-_-_- -_ 
Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items__ Customers' Liability on Letters 
of Credit and Acceptances __ 
Overdrafts (if any) ------------ 
 
285 00 542' 10 492 90 353 73 
 
Sav,ings Deposits -------------Trust Funds on Deposit -----Cashier's Checks ------------Certified Checks -------------- 
Bills Payable -----------------Notes and Bills Rediscounted__ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
 
---------------- _ --------________ _ 10,00'0 00 --------- 
--------- 
 
Other Assets ------------------ 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$ 93,790 8r Total ------------------------$ 93,"1'90 80 
 
 FIRST ANNUAL REPORT 
 
505 
 
EXAMZNEB.'S BEPOB'l'. 
 
BANK OF SMITHVILLE, SMITHVILLE. 
 
At Close of Business Jtily 15, 1920. 
 
President-W. L. Childers. Cashier-B. R. Jones. 
 
Directors-\V. L. Childers, B. R. Jones, W. Bowen, W. J. McDaniel, J. B. Fite, 
 
R. S. P.ry'or. 
 
Date of Charter-Ma.rch 25, 1903. 
 
Began Business-1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 87,536 40 
Demand Loans ---------------- 335 00 Loans Secured by Real Estate 13,000 00 
United States Bonds ---------- 200 or 
Other Stocks and Bonds _____ _ 4,500 00 
 
Banking House --------------Furniture and Fixtures -------Other Real Estate Owned ___ _ Due from Banks in this State __ 
Due from Banks in other .States 
 
2,000 00 2,UOU 00 3,1)40 35 4,481 23 2,226 89 
 
Currency ---------------------- 2,109 00 
 
GSiollvder-, --N-i-c-k-e-l-s-,--P-e--n-n-i-e-s--_-_-_-_-_-_Advances on Cotton_,__________ _ 
 
1,808 90 
 
Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ 
 
112 95 668 67 
 
Overdrafts (if any) ---------Other Assets ----------------- 3,584 50 Call Money -------------------- 4,1JOO 00 
 
Capital Stock Paid in --------$ 25,ooo bo 
Amount Reserved for Brfi.nches Surplus Fund ------------------ 5,1JOO 00 Undivided BrotHs ------------ 7,980 50 Dividends Unpaid ------------Due to Banks in this State__ 
 
Due to Banks in other StatPs 
 
Call Money -------------------Individual Deposits Subject to 
Check ---------------------Demand Ce~rtificates of Deposit Time Certificates of Deposit__ 
 
48,216 41 . 44.260 5~ 
 
Savings Deposits -------------Trust Funds on Deposit -----Cashier's. Checks -------------- 1, 746 39 
 
Certified Checks -------------- 
 
Bills Payable ----------------Notes and Bills Rediscounted_. 
 
Certificates of Deposit for Bor 
 
rowed Money ---------------Liability on Letters of Oredit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other LiabiLities -------------- 
 
Total ------------------------$132,203 89 Total ------------------------$132,2'03 89 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 
Demand Loans ---------------- 
 
40,246 2,540 
 
u5of 
 
Loans Secured by Real Estate 31,702 8P 
 
United States Bonds -------- 150 00 Other Stocks and Bonds _____ _ 4,500 00 
 
Banking House -------------- 2,000 00 
 
Furniture and Fixtures ------- 2,000 00 Othe.- Real Estate Owned _____ _ 3,6"40 3 
 
Due from Banks In this State 3,420 02 
 
Due from Banks in other States 4,4I3 .3F 
 
Cum-ency ---------------------- 4,320 00 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-__-_--_ 
 
100 00 793 00 
 
Advances on Cotton ---------- 11,446 70 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items __ 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ 
 
Overdrafts (if any) ---------- 
 
Other Assets: Mutual Fire Ins Fund _______ _ 
 
120 00 
 
Depositors' Guarantee Fund __ 3,464 50 
 
Capital Stock Paid in --------$ 25,000 00 
 
Amount Reserved for Btanches Surp!.us Fund ---------------- 
 
--5~ooo-oii 
 
Undivided Profits -------------- 4,422 34 
 
Dividends Unpaid ------------ 1,952 00 
 
Due to Banks in this State__ 
 
Due to Banks in other States ________ _ 
 
Call Money -------------------Individual Deposits Subject to DeCmheacnkd C--e-r-t-if-i-c-a-t-e-s--o-f--D-e--p-o-s-i-t 43,495 75 Time Certificates of Deposit__ 26,633 76 
 
Savtings Deposits -------------Trust Funds on Deposit ------ 
Cashier's Checks -------------CertJitled Checks -------------Bills Payable -----------------Notes and Bills Rediscounted __ 
 
853 5i 7,500 00 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Oredit 
 
and Acceptances -----------Resenre foc Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$114,807 40 Total ------------------------$114,857 4C 
 
 506 
 
BANKING DEPARTMENT 
 
EXAMINEE'S BEPOBT. 
 
BANK OF SMYRNA, SMYRNA. 
 
At Close of Busines,s August 16, 1920. 
 
President-J. Gid Morris. Vice-President-Jas. N. Brawner. Cashier-J. D. Carn. 
 
DLrectors-J. Gid Morris, Jas. N. Brawner, J. D. earn, L. J. Carmichael. 
 
Date of Charter-Janurury 10, 1919. 
 
Began Business-March 20, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$127,495 2~ 
 
Demand Loans ---------------- 23,931 00 Loans Secured by Real Estate 19,768 00 
 
United States Bonds ---------- 4,630 00 Other Stocks and Bonds ______ 3,000 00 
 
Banking House ---------------- 2,409 31 
 
Fu.rniture and Fixtures ------ 2,796 93 Other Real Estate Owned ____ 750 00 
 
Due from Banks in this State 10,681 ~, 
 
Due from Banks in other .States 1,085 12 
 
Currency ------------------ 4,7.15 00 
 
Gold -------------------------- 147 5l 
 
Silver, Nickels, Pennies ____ 
 
550 05 
 
Advances on Cotton __________ --------- 
 
Advances on other Commodities --------Checks for Clea.ring House____ --------- 
 
Other Checks and Cash Items 40& 23 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ --------- 
 
Overdrafts (if any) ---------- 
 
37 32 
 
Other Assets ------------------ 3,296 80 
 
Capital Stock Paid in --------$ 16,300 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- --------Undivided Profits ------------- 8,018 41 
 
Dividends Unpaid -------------- 
 
[2 00 
 
Due to Banks in this State ____ --.------- 
 
Due to Banks in other States__ --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 77,267 84 Demand Ce.rtificates of Deposit --------Time Certificates of Deposit __ 56,742 60 
 
Savings Deposits -------------- 47,111 53 T,rust Funds on Deposit________ --------- 
 
Cashier's Checks -------------- 279 4'1 
 
Certified Checks -------------- --------Bills Payable ----------------- --------Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Lettms of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$205,751 7j Total ------------------------$205,751 79 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$125,020 94 
 
Demand Loans ---------------- 20,000 00 Loans Secured by Real Estate 17,99'3 00 
 
United States Bonds ---------- 4,630 OC Other Stocks and Bonds ______ 3,000 00 
 
Banking House ---------------- 2,409 31 Furniture and Fixtures -------- 2,796 98 Other Real Estate Owned ____ 750 00 
 
Due from Banks in this State 3,266 02 
 
Due from Banks in other States 4,128 36 
 
Currency ---------------------- 2,596 00 
 
Gold --------------------------Silver, Nickels, Pennies ______ 
 
147 50 658 44 
 
Advances on Cotton ---------- ______ -- 
 
Advances on other Commodities --------Checks for Clearing House____ --------Other Checks and Cash Items 537 84 
 
Customers' Liability on Letters 
 
of Credit 'l.n:l Acceptances __ --------- 
 
Overdrafts (if any) ------------ 
 
17 78 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ---------$ 16,300 00 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits -------------Dividends Unpaid -------------Due to Banks in this State ___ _ 
 
8,770 14 8 00 
 
Due to Banks in other States-Call Money -------------------Individual Deposits Subject to 
DeCmheacnkd -C--e-r-ti-f-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
4,000 00 63,205 96 
 
Time Certificates ------------- 50,069 40 Savings Deposits -------------- 45,039 89 T,rust Funds on Deposit_ ______ _ 
 
Cashie,r' s Checks -------------- 
Certified Checks -------------Bills Payable ----------------Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
 
558 73 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$187,152 12 Total -----------------------$187,152 12 
 
 FIRST ANNUAL REPORT 
 
507 
 
EXAMINER'S BEPOBT. 
 
BANK OF SOCIAL CIRCLE, SOCIAL CIRCLE. 
 
At Close of Business August 26, 1920. 
 
President-0. N. Stanton. Vice-President-!. N. B. Spence. Cashier-H. L. Rowe. 
 
Dire9tors-O. N. Stanton, I. N. B. Spence, J. M. Hurst, P. A. Stanton, W. H. 
 
Stanton, E. S. Herndon, J. P. Freeman. 
 
Date of Charter-September 1, 1891. 
 
Began Business~October, 1892. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$395,137 54 Capital Stock Paid in ---------$ 75,000 00 Demand Loans ---------------- 1,100 00 Amount Reserved for Branches --------Loans Secured by Real Estate 57,388 25 Surplus Fund ------------------ 37.000 00 
 
United States Bonds ---------- --------- Undivided Profits .------------ 12,630 18 
 
Other Stocks and Bonrls ______ --------- Dividends Unpaid -------------- --------- 
 
Banking House and Furniture 
 
Due to Banks in this State ____ --------- 
 
and Fixtures ---------------- 6,273 55 Due to Banks in other States__ --------Other Real Estate Owned______ ________ _ Call Money -------------------- --------Due from Banks in this State 13,526 78 Tnrlividual Deposits Subject to 
 
Due from Banks in other States 
CUJrrency ---------------------GSiolvlder,--N--i-c-k-e-l-s-, --P-e-n-n--ie-s--__-_-_-_-_-_--_ Advances on Cotton_________ _ Advances on other Commodities 
 
14,827 73 2,829 00 60 00 4,471 32 
17,153 43 ________ _ 
 
Checl<l ---------------------- 145,.413 91 Demand Certificates of Deposit 19,091 80 Time Certificates of Deposit_ __ 101,890 61 Savings Deposits -------------- --------Trust Funds on Deposit________ --------Cashier's Checks -------------- 3,185 57 
 
Checks for Clearing House __ 
 
36 00 Certified Checks -------------- 
 
25 00 
 
Other Checks and Cash Items 1,554 31 Bills Payable ------------------ 120,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted__ --------- 
 
of Credit and Acceptances __ _..______ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ ________ _ rowed Money ---------------- ________ _ 
 
Other Assets ------------------ 
 
Liability on Letteil's of Credit 
 
and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes 110 84 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$514,347 
 
Total ------------------------$514,347 91 
 
BANK'S STATEJMENT at Close of Business December 15, 1920. 
 
RElSOURCES 
 
LIABILITIES 
 
Time Loans ------------------$374,175 60 Capital Stock Paid in ---------$ 75,000 00 
 
Demand Loans ---------------- 3,900 00 Amount Reserved for Branches 
 
Loans Secmred by Real Estate United States Bonds __________ 
 
55,922 72 ________ _ 
 
USunrdpilvuisdedFuPnrodfit-s--_-_-_-_-_-_-_-_-__-_-_-_--_ 
 
37,000 00 10,660 25 
 
Othe.r Stocks and Bonds ______ --------- Dividends Unpaid -------------- 
 
Banking House and Fmrniture 
 
Due to Banks in this State___ _ 793 35' 
 
and Fixtures ---------------- 6,273 55 Due to Banks in other States __ Other Real Estate Owned______ ________ _ Call Money -------------------- 
 
Due from Banks in this State 1!1.202 fi" Individual Deposits Subject to 
 
Due from Banks in other States 2.8M ~J Check ----------------------- 144.910 ~~ 
 
Currency ---------------------- 9,438 00 Demand Certificates of Deposit 14.~32 H 
 
Gold --------------------------- 
 
40 00 Time Certificates of Deposit_ __ 94,236 70 
 
Silver, Nickels. Pennies -------- 4.698 4P Savings Deposits -------------Advances on Cotton ---------- 28,111 25 '!',rust Funds on Deposit_ ______ _ 
 
Advances on other Commodities _______ _ Cashier's Checks -------------Checks for Clearing House ___ _ 927 19 Certified Checks -------------- 
 
4!12 74 
2n as 
 
Other Checks and Cash Items 858 02 Bills Payable ------------------ 98.000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted 21,558 64 
 
of Credit and Acceptances __ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any)____________ Advanc<Js on Cotton __________ 
 
________ _ ________ _ 
 
rowed Monev ---------------Liability on Lette;rs of Credit 
 
Other Assets ------------------ ________ _ and Acceptances ___________ _ 
 
Reserve fo.r Interest and Taxes 
 
Other Liabilities -------------- 4,906 00 
 
Total ------------------------$502,441 60 Total ------------------------$502,441 60 
 
 508 
 
BANKING DEPARTMENT 
 
E:S::Al!llDI'EB'S BEPOB'r. 
 
WALTON COUNTY BANK, SOCIAL CIRCLE. 
At Close of Business August 21, 1920. 
 
President-J. L. Newton. Vice-President-W. H. Stanton. Cashier-B. P. Loyd. 
Directors-J. L. Newton, w. H. Stanton, W. F. Mays, E. M. Sigman, B. A. 
 
Wibey, A. J. Watson, Jno. H. Adams. 
 
Date of Charter-September, 1905. 
 
Began Business-October, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$214,147 75 Capital Stock Paid in --------$ 5o,ouo or 
 
Demand Loans ---------------- --------- Amount Reserved for Branches Loans Secured by Real Estate 25,000 00 Surplus Fund ------------------ 17,000 00 United States Bonds, -------- 2,100 00 Undivided Profits ------------ 13,972 69 
 
Other Stocks and Bonds ______ ______ ,__ Dividends Unpaid -------------- 
 
Banking House and Furniture 
 
Due to Banks in this State ---- 
 
and Fixtures ---------------- 3,500 00 Due to Banks in other States__ 
 
Other Real Estate Owned---"-- --------- Call Money -------------------- 
 
Due f,rom Banks in this State 18,230 04 Individual Deposits Subject to 
 
Due from Banks in other States 5,661 62 Check ----------------------- 108,886 13 
 
Cut1rency ---------------------- 4, 963 00 Demand Certificates of Deposit 2,600 83 
 
Gold -------------------------- 
 
92 50 Time Certificates of Deposit -- 52,464 18 
 
Silver, Nickels, Pennies ------ 256 26 Savings Deposits -------------- 
 
Advances on Cotton ---------- --------- Trust Funds on Deposit_ ______ _ 
 
Advances on other Commodities --------- Cashier's Checks -------------- 
 
Checks for Clearing House____ 240 32 Certified Checks -------------- 
 
Other Checks and Cash Items__ 1,092 42 Bills Payable ------------------ 30,000 00 
 
Customers' Liability on Letters 
 
Notes and Bllls Rediscounted __ 
 
of Credit and Acceptances __ . --..--.--- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ _________ rowed Money ---------------- 
 
Other Assets ------------------ 
 
04 Liability on Letters of Credit 
 
and Acceptances ------------ 
 
Reserve for Interest and 'l'axes 
 
Other Liabilities -------------- 359 92 
 
Total ------------------------$275,283 75 Total ------------------------$275,2.83 75 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$244,229 81 Capital Stock Paid in --------$ 50,000 00 
 
DLoeamnasndSeLcuoraends b--y--R--e-a-l--E-s-t-a-t-e- 
 
-_-__-_-_-_-_-_--_ 
 
Amount Reserved for Branches Surplus Fund ---------------- 
 
--------18.000 oo 
 
United States Bonds ---------- --------- Undivided Profits ------------- 2,0S9 82 
 
Other Stocks and Bonds ______ --------- Dividends Unpaid ------~------- --------- 
 
Banking House, Furniture and 
 
Due to Banks in this State ____ --------- 
 
Fixtures -------------------- 3,500 00 Due to Banks in other States__ --------Other Real Estate Owned______ --------- Call Money -------------------- --------Due f1rom Banks in this State 14,830 67 Individual Deposits Subject to 
 
Due from Banks in other States 
Cunrency ---------------------GSiollvder,---N-i-c-k-e-l-s-.--P--e-n-n-i-e-s--_-_-_-_-_-_- 
Advances on Cotton ---------Advances on other Commodities Checks for Clearing House __ Other ChecKs and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ 
 
4,601 4? 1,042 00 
58505 6000 8,552 35 ________ _ 1.495 39 ---......__ _ 
_ _______ _ 
 
Check ----------------------- 109,381 5fi Demand Certificates of Deposit 449 4~ Time Certificates of Deposit__ 46,977 00 TSa.rvuisntgFsuDndeps oosnitsDe-p-o-s-i-t-_-_-_-_-_-_-_-_- _-_-_-_-_-_-_-_--_ 
Cashier's Checks -------------- --------Certified Checks -------------- ________ _ Bills Payable ------------------ 50,000 00 Notes and Bllls Rediscounted__ ________ _ Certificates of Deposit for Bor 
 
Overdrafts (if any) ------------ 146 71 rowed Money --------------- --------Other Assets ------------------ ________ _ Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest -------- 2,136 15 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$279,033 95 Total ------------------------$279,033 95 
 
 FIRST ANNUAL REPORT 
 
509 
 
EXAMJ:NEB.'S BEPOBT. 
 
BANK OF SOPERTON, SOPERTON. 
At Close of Business September 23, 1920. 
 
President-N. L. Gillis. Vice-Presidents-M. B. Gillis, J. B. O'Conner, J. E. Hall. 
 
Cash!e.r-J. E. Hall. 
 
' 
 
. Directors-N. L. Gillis, M. B. Gillis, J. B. O'Conner, J. E. Hall. 
 
Date of Charter-July 16, 1906. 
 
Began Business-June 3, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$259,879 4~ 
 
Demand Loans ---------------- 17,308 71 
 
Loans Secured by Real Estate --------United States Bonds -------- 10,753 fi~ Other Stocks and Bonds ______ 450 00 
 
Banking House ---~------------ 14:!HJO 00 Furniture and Fixtures ______ 4,000 00 
 
Other Real Estate Owned______ 8,000 00 
 
Due ~rom Banks in this State 15.825 2r 
 
Due from Banks in other States 2.504 2r 
 
Currency ---------------------- 7,133 or 
 
Gold --------------------------Silver, Nickels, Pennies -------- 
 
427 50 182 6r 
 
Advances on Cotton ---------- 4, 756 91 
 
Advances on other Commodities --------- 
 
Checks for Clearing House____ --------- 
 
Other Checks and Cash Items__ 3,752 Sf 
 
Customers' Liability on Letters 
 
of. Credit and Acceptances __ ------- _ 
 
Overdrafts (if any) ---------Other Assets: 
 
934 85 
 
Treasury Certificates ---------- 10,000 00 
 
Cash Short -------------------Wrur Savings Certificates __ 
 
6 77 834 42 
 
Ca.pital Stock Paid in ---------$ 25,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ----------------- 25.000 00 
 
Undivided Profits ------------ 13,51lU 17 
 
Dividends Unpaid ------------ 
 
24 00 
 
Due to Banks in this State ___ _ 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subjeot to 
 
DeCmheacnkd C--e---rt-i-fi-c-a-t-e-s--o-f--D--e-p-o-s-i-t 84,536 13 Time Certificates of Deposit__ 173.917 36 Savings Deposits ____________ 12,821 06 
 
Trust Funds on Deposit ____ 24.779 74 
 
Cashier's Checks -------------- 1.111 60 Bills Payable ----------------Notes and Bills Rediscounted__ 
 
Certificates of Deposit for Bor- 
 
Liraobwileitdy MoonneLyet-te-1--rs---o-f--C--r-e-d-i-t 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$360,750 or Total ------------------------$360.750 0~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __,________________ $100.488 7F 
 
Demand Loans ---------------- l4.8T4 89 Loans Secured by Real Estate 159.752 22 United States B<:>nds __________ 10,760 SF 
 
Other Stocks and Bonds ------ 450 00 
 
Banking House ---------------- 14,000 Oo 
 
Furniture and Fixtures ------ 4.000 00 
 
Other Real Estate Owned____ 9.000 00 
 
Due from Banks in this State 255 36 
 
Due from Banks In other States 592 27 
 
Currency ---------------------- 3,835 00 
 
Gold -------------------------Silver, Nickels. Pennies_______ 
 
447 !lo 884 71 
 
Advances on Cotton ---------- 1,527 72 
 
Advances on other CommoditieR --------- 
 
Checks f<>r Clearing House and 
 
Other Checks and Cash Items 2,782 67 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ ------- _ 
 
Overdrafts (if any) ------------ 2.548 76 Other Assets: 
 
U S Treasury Certificates ____ 10,000 00 
 
Capital Stock Paid in _________$ 25,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ------------------ 25,000 (\0 
 
Undivided Profits -------------- 12,778 7~ 
 
Dividends Unpaid -------------- 
 
24 00 
 
Due to Banks in this State ___ _ 
 
Due to Banks in other States __ 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ------------------------ 64,698 4!) Demand Ce-rtificates of Deposit Time Certificates of Deposit__ 165.802 f;Jl 
 
STarvuisntgFsuDndeps oosnitsDe-p--o-s-it-_--__-_-_-_-_-_- 10,790 40 
 
Cashier's Checks -------------- 546 59 BCielrltsifPieadyaCbhleec_k_s__-_-_~__-_-_-_-_-_-_-_-_-_--_ 32,500 00 Notes and Bills RediscountP,d __ 
 
Certificates of Deposit for Bor- 
 
Liraobwileidty MoonneLyet-t-e-.--s---o-f--C--r-e-d-i-t 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$337,140 70 Total ------------------------$337,140 70 
 
 5.10 
 
BANKING DEPARTMENT 
 
EXAMINER'S :REPORT. 
 
PEOPLES BANK, SOPERTON. 
 
At Close of Business November 16, 1920. 
 
President-W. T. Crimmon. Vice-President-B. A. Rowe. Cashier-R. E. Ward. 
 
Directors-W. T. Crimmon, R. E. Ward, W. L. Calhoun, B. A. Rowe, F. C. Wade, 
 
F. M. Calhoun. 
 
Date of Charter-December 27, 1905. 
 
Began Business-March 5, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 87.835 \)8 
 
Demand Loans ---------------Loans Secured by Real Estate United States Bonds _________ _ Othe"' Stocks and Bonds _____ _ 
Banking House --------------Furniture and Fixtures ______ _ Other Real Estate O'wned _____ _ Due from Banks in this State Due from Banks in other States 
 
5,819 22 46.217 20 
5.650 00 3,000 00 1,700 00 2,000 01\ 
300 00 14,636 72 
5.349 9F 
 
Currency ---------------------SGiolvlder, -N--ic-k--e-ls-,--P-e-n--n-i-e-s--_-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
3,271 00 1,052 50 
824 ll? 
 
Advances on other Commodities Checks for Clearing House and 
 
other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ 
 
387 22 
 
Overdmfts (if any) ------------ 791 44 Other Assets: Depositors' Guarantee Fund __ 3,579 85 
 
Capital Stock Paid In_________ $ 15,0UO UO 
 
Amount Reserved for Branches --------- 
 
USunrdpilvuisdeFd uPnrdofi-t-s--_-_-_-_-_-_-__-_-_-_-_-_-_- -1-2-,0-9-5-"--5-0 
 
Dividends Unpaid -------------- 
 
16 00 
 
Due t<> Banks in this State ---- --------Due to Banks in other States__ --------- 
 
Call Money -------------------- -------Individual Deposits Subject to 
Check ---------------------- 60.152 90 Demand Certificates of Deposit 3,500 00 Time Certificates of Deposit__ 86.226 79 Savings Deposits -------------- 4,154 05 Trust Funds on Deposit________ --------- 
 
Cashier's Checks -------------- 1,153 94 
 
Certified Checks -------------- --------Bills Payable _________________ --------- 
 
Notes and Bills Rediscounted__ --------Certificates of DeposH for Bor- 
 
rowed Money ---------------- --------Liability on L,ette['s of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities: Cash Long -------------------- 115 83 
 
Total --------------------$182,415 01 Total ------------------------$182,415 01 
 
BANK'S STATEJMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 84,825 lf 
 
Demand Loans ---------------- t11I7 01 Loans Secured by Real Estate 47.846 89 
 
United States Bonds ---------- 5,1r50 00 Other Stocks' and Bonds ______ 3,000 00 
 
Banking House ---------------- 1,800 00 Furniture and Fixtures -------- 1,700 00 Other Real Estate Owned______ --------Due from Banks in this State 9,077 f> 
 
Due from Ban~s in othe.r States 2.427 61 
 
Currency ---------------------- 3,127 00 
 
SGiolvlder, --N-i-c-k-e-l-s-,--P--e-n-n-i-e-s---_-_-__-_-_- 
 
1,057 50 718 62 
 
Advances on Cotton ---------- 1,577 07 Advances on other Commodities --------Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 
 
30 30 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ -------- _ 
 
Overd.rafts (if anY) ------------ 332 27 
 
Other Assets ------------------ 4,563 97 
 
Capital Stock Paid In _________ $ 15,000 00 
 
SAumrpoluunst FRuensderv__e_d__f_o_r__B__r_a_n_c_h__e_s --3-.0-0-0---on- 
 
Undivided Profits ____________ 8,516 go 
 
Dividends Unpaid -------------- 
 
16 00 
 
Due to Banks in this State ____ --------- 
 
Due to Banks in other States__ ________ _ 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 54,673 72 Demand Certificates of Deposit 3.500 on Time Ce,rtificates of Deposit__ 82.340 99 
 
Savings Deposits -------------- 4,747 89 Trust Funds on Deposit.________________ 
 
CCearsthifiieerd's CChheecckkss _-_-_-_-_-_-_-_-_-_-_-_-_-_- ____7_5___3r_, 
 
Bills Payable _________________ --------- 
 
Notes and Bills Rediscounted __ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Cr<'dit 
and Acceptances ____________ --------Reserve fo.r Interest and Tax<'s ________ _ 
 
Other Liabilities -------------- ________ _ 
 
Total ------------------------H71,870 g, Total ------------------------$171,870 94 
 
 FIRST ANNUAL REPORT 
 
511 
 
EXAMINER'S BEPOB'l'. 
 
THE BANK OF SPARKS, SPARKS. 
 
At Close of Business October 6, 1920. 
 
President---,S. G. Ethridge. Vice-President-J. S. Sirmans. Cashier-B. F. Gary. 
 
Directors-S. G. Ethridge, P. Summerlin, J. S. Sirmans, H. C. McDermid, B. F. 
 
Gary, N. D. Sinclair. 
 
Date of Charter-January 3, 1910. 
 
Began Business-January 12, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$166,826 94 
 
Demand Loans ---------------- 3,949 07 Loans Secured by Real Estate --------United ,states Bonds __________ 6,500 00 
 
Other Stocks and Bonds ______ 2,000 00 
 
Banking House ---------------- 3,300 00 Furniture and Fixtures -------- 3,825 2i Other Real Estate Owned______ 5,244 OC 
 
Due from Banks in this State 4,724 51 Due from Banks in other States 12,722 44 
 
Currency ---------------------- 2,622 00 
 
Gold --------------------------- 
 
32 50 
 
Silver, Nickels, Pennies________ 1,531 32 
 
Advances on Cotton ---------- 3,678 23 Advances on other Commodities --------Checks for Clearing House ____ 501 92 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
103 63 
 
of Credit and Acceptances __ ------ -- 
 
Overdrafts (if any) -----------Other Assets: 
 
15 40 
 
War Savings Stamps ---------- 103 00 
 
Capital Stock Paid in ---------$ 24,760 00 Amount Reserved for Branches 
 
Surplus Fund ----------------Undivided Profits ------------ 4,074 00 
 
Dividends Unpaid -------------Due to Banks in this State ___ _ 
 
Due to Banks in other States__ 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 116,604 20 Demand Certificates of Deposit 1,000 00 Time Ce,rtificates of Deposit___ 52,667 92 
 
Savings Deposits -------------Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 488 24 
 
Certified Checks -------------Bills Payable ----~------------ 18,000 l Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Lette.rs of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
85 85 
 
Total ------------------------$217,680 21 Total ------------------------$217,680 21 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$136,898 8'7 Capital Stock Paid in --------$ 24,910 00 
 
Demand Loans ---------------- 6,162 70 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 21,803 36 Surplus Fund ----------------- --------- 
 
United States Bonds ---------- 6,500 00 Undivided Profits -------------- 5, 738 04 Other Stocks and Bonds ______ 1, 700 00 Dividends Unpaid -------------- --------- 
 
Banking House -------------- 3,300 00 Due to Banl<s in this State____ --------Furrniture and Fixtures________ 3,825 25 Due to Banks in other States__ --------- 
 
Other Real Estate Owned ____ 5,240 00 Call Money -------------------- --------Due f<rom Banks in this State 1,904 86 Individual Deposits Subject to 
 
Due from Banks in other States 2,545 9~ Cheek ----------------------- 94,651 2' 
 
Currency ---------------------- 1,627 00 Demand Ce<rtificates of Deposit --------- 
 
Gold -------------------------- 
 
20 00 Time Certificates of Deposit__ 51,280 02 
 
Silver, Nickels, Pennies -------- 2,291 19 Savings Deposits -------------- --------- 
 
Advances on Cotton ---------Advances on other Commodities 
 
3,212 47 --------- 
 
CTraushstieFr'sunCdhs eockns D_e_p__o,s_i_t__-_-_-_-_-__- 
 
--2-,1-9-2---77- 
 
Cheeks for Clearing House____ --------- Certified Checks -------------- --------- 
 
Othe,r Checks and Cash Items 1,137 39 Bills Payable ------------------ 19,500 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted__ --------- 
 
of Credit and Acceptances __ --------- Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ --------- rowed Money ---------------- --------- 
 
Other Assets: 
 
Liability on Lette!rs of Credit 
 
War Savings Stamps ---------- 
 
103 00 ReasnedrveAcfocer pItnantecreesst--a-n-d--T--a-x-e-s- _-_-_-_-_-_-_-_-_- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$198,272 07 Total ------------------------$198,272 07 
 
\ 
 
 512 
 
BANKING DEPARTMENT 
 
E:XAJIIIJ!I"EB'S BEPOBT. 
 
BANK OF SPARTA, SPARTA. 
 
At Close of Business September 8, 1920. 
 
President-Robt. Holmes. Vice-President-J. "\V. Alfriend. Cashier-J. D. Burnett. 
 
Directors-J. W. Alfriend, J. D. Burnett, L. E. Culver, Sr., Robt. Holmes, E. A. 
 
Rosier, Jr., H. S. Gray, Marvin Middlebrooks. 
 
Date of Charter-November 13, 1889. 
 
Began Business-February 1, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$171,122 3~ 
 
Demand Loans ---------------- 4,441 5\ Loans Secured by Real Estate 26,365 8< 
 
United States Bonds ---------- 66,200 00 Other Stocks and Bonds ______ 20,670 00 
 
Bankir, g House ---------------- ___ ---- Furniture and Fixtures_______ 4,171 66 
 
Other Real Estate Owned____ 12,258 21 
 
Due from Banks in this State 8,335 03 
 
Due from Banks in other States 104 20 
 
Currency ---------------------- 2,950 00 
 
Gold -------------------------- 235 00 Silver, Nickels, Pennies -------- 1,63'3 3~ 
 
Advances on Cotton ---------- --------Advances on other Commodities --------Checks for Clearing' House __ 652 80 
 
Other Checks and Cash Items Customers' I..oiability on Letters 
 
876 36 
 
of Credit and Acceptances__ 21,533 3f 
 
Ove,rdrafts (if any) ------------ 2,397 01 Other Assets: 
 
Bonds Loaned ----------------- 13,500 00 Investment Account ---------- 639 85 Bills of Exchange ------------ 10,796 77 
 
Capital Stock Paid in ---------$ 25,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ----------------- --------Undivided Profits ------------ 2,158 57 
 
Dividends Unpaid ------------ --------Due to Banks in this State____ 2,998 78 
 
Due to Banks in other States ------' 
 
Call Money -------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 128,141 71 Demand Certificates of Deposit --------'L'ime Certificates of Deposit __ 71,742 13 
 
Savings Deposits -------------- 8,422 55 
 
Trust Funds on Deposit ------ --------- 
 
Cashier's Checks -------------- 250 12 
 
Bills Payable ------------------ 13{),000 00 Notes and Bills Rediscounted__ --------- 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ----------- --------Reserve for Inte.rest and Taxes --------Other Liabilities: 
 
Christmas Savings Funds 
 
169 51 
 
Total ------------------------$368,883 .. 
 
Total ------------------------$368,883 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$151,091 54 Capital Stock Paid in ---------$ 25,000 00 
 
Demand Loans ---------------- .3,316 57 Amount Reserved for Branches 
 
Loans Secured bY Real Estate 24,505 3 Surplus Fund ----------------- 
 
United States Bonds ---------- 66,700 OU Undivided Profits ------------ 2,393 54 
 
Other Stocks and Bonds ------ 20,670 00 Dividends Unpaid -----------Banking House ---------------- --------- Due to Banks in this State ___ _ 4,035 75 
 
Furniture and Fixtures-------- 4,171 66 Due to Banks in othell' States 
 
Othoc Real Estate Owned ------ 22,258 21 Call Money -------------------- 
 
Due fit'om Banks in this State 1,875 04 Individual Deposits Subject to 
 
Due fll'om Banks in other States 309 61 Check ----------------------- 97,874 03 
 
Currency ---------------------Gold --------------------------- 
 
12,138 470 
 
0o0r 
 
Demand Certificates of Deposit Time Certificates of DeposiL_ 
 
60,793 50 
 
Silve;r, Nickels, Pennies ------ 1,747 94 Savings Deposits -------------- 10,450 37 
 
Advances on Cotton ---------- 1,119 60 Trust Funds on Deposit ------ 
 
Advances on other Commodities --------- Cashier's Checks, -------------- 1,03'6 69 
 
Checks for Clearing House 
 
2,609 1l6 Certified Checks -------------- 
 
Other Checks and Cash Items Customers' I..oiability on Letters 
 
334 94 Bills Payable ------------------ 63,250 84 . Notes and Bills Rediscounted __ 11,5UO 00 
 
of Credit and Acceptances 16,796 77 Certificates of Deposit for Bor- 
 
Overdrafts (if any) -----------Other Assets: 
 
579 97 rowed Money ---------------Liability on Letters of Credit 
 
U S Bonds Unpledged 
 
3,000 00 and Acceptances ------------ 
 
Investment Account____________ 2,639 85 Resocve for Interest and Taxes 
 
Other Liabilities: 
 
Bills Pay Sec by U S Bonds__ 60,000 00 
 
Total ------------------------$336,gz4 72 Total ------------------------$336,334 72 
 
 FIRST ANNUAL REPORT 
 
513 
 
EXAMINEE'S BEPOBT. 
 
SPARTA SAVINGS BANK, SPARTA. 
 
At Close of Business September 8, 1920. 
 
President-L. C. Miller. Viice-President-R. E. Wheeler. 
 
Directors-C. 
 
S. 
 
Duggan, 
 
JCnaos.hioer.- 
 
Mal"V'in Moore, 
 
G. C. 
 
Pounds. W. Coleman, 
 
R. 
 
A. 
 
Groves, 
 
G. 
 
S. 
 
Vardeman, C. S. Jernigan, C. M. Layson, T. F. Fleming. 
 
Date of Charter-December 16, 1907. 
 
Began Business-Fe,bruary 15, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$215,641 28 Demand Loans ---------------- 18,026 35 Loans Secured by Real Estate 33,729 60 United States Bonds -------- 39,767 27 Other Stocks and Bonds ______ 300 00 Banking House ---------------- ________ _ Furniture and Fixtures ______ 2,892 93 Other Real Estate Owned______ --------Due from Banks in this State 4,536 69 Due f,rom Banks in other States 756 47 Currenc,y __,___________________ 3,846 00 
Gold --------------------------- _____ -- _ Silver, Nickels, Pennies ------ 828 70 Advances on Cotton __________ ________ _ Advances on other Commodities ________ _ Checks for Clearing House____ 1,578 17 Other Checks and Cash Items 2,844 90 Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any) ____________ --------Other Assets ------------------ ________ _ 
 
Capital Stock Paid in ---------$ 25,000 00 
 
Amount Reserved for Branches 
 
USunrdpilvuids eFd unPdrof-i-t-s--_-_-_-_-_-_-_-_-_-_-_-_- 
 
5,000 00 4,806 97 
 
Dividends Unpaid -----------Due to Banks in this State ___ _ 
 
48 00 
 
Due to Banks in otheit' States 
 
Can Money -------------------- 
 
Individual Deposits Subject to 
 
DeCmheacnkd -C--e-r-ti-f-i-c-a-t-e-s--o-f--D--e-p-o-s-i-t 105,273 70 
 
Time Certificates of Deposit__ 57,461 12 
 
Savings Deposits -------------- 25,604 15 Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 5,097 17 
 
Certified Checks -------------- 
 
Bills Payable ------------------ 85,000 00 
 
Notes and Bills Rediscounted 11,457 25 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$324,748 36 Total ------------------------$324,748 36 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLd oLanosans---_-_-_-_-_-_--_-_-_-_-_-_-_-_-_$_18315,9,2245S 3441 
 
Loans Secured by Real Estate 37,340 79 
 
United States Bonds ---------- 16,082 30 Other Stocks and Bonds ______ 300 00 
 
Banking House ________________ --------- 
 
Furniture and Fixtures ________ 2,987 38 
 
Other Real Estate Owned______ --------Due from Banks in this State__ 277 77 
 
Due from Banks in other States 525 44 
 
Currency -------------------- 2,587 00 Gold --------------------------- ________ _ Silver, Nickels,, Pennies ______ 1,431 57 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Letters 
 
4,419 27 297 52 
23 06 
 
of Credit and Acceptances__ --------Ove,rdrafts (if any) ------------ ________ _ 
 
Other Assets ------------------ ________ _ 
 
Capital Stock Pa,id in ---------$ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Brofits -----------Dividends Unpaid -----------Due to Banks in this State___ _ 
 
5,000 00 2,292 92 
48 00 
 
Due to Banks in other States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ----------------------- 78,219 07 Demand Certificates of Deposit Time Ce,rtificates of Deposit__ 45,611 88 
 
Savings Deposits -------------- 25,388 96 
 
Trust Funds on Deposit _____ _ 
 
Cashier's Che,cks, ___________ _ 
 
447 70 
 
Certified Checks -------------- 
 
Bills Payable ------------------ 39,500 00 Notes and Bil1s Rediscounted 43,935 32 Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$265,443 85 Total ------------------------$265,443 85 
 
 514 
 
BANKING DEPARTMENT 
 
EXAMINEB.~S B.EPOB.T. 
 
EXCHANGE BANK, SPRINGFIELD. 
 
President-Jno. W. Reiser. Vice-President-J. M. Grann. Cashier-C. F. Reiser. 
 
Directors-J. W. Reiser, W. C. Reiser, J. M. Grann, C. E. Freymouth, 0. A. Rahn, R. E. Shearouse, C. Bowers Grann, K. J. Helmly, B. K. Shearouse. 
 
Date of Charter-December 30, 1907. 
 
Began Business~January 1, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 71,014 27 
 
Demand Loans ---------------- 1,081 64 Loans Secured by Real Estate__ 23,956 76 
 
United States Bonds ---------- 2,832 50 
 
Other Stocks and Bonds -----Banking House -------------- 
 
-2~5oo-oii 
 
Furniture and Fixtures -------Other Real Estate Owned _____ _ 
 
1,6!ffi 76 475 50 
 
Due from Banks in this State 18,423 16 
 
Due from Banks in other States 20,448 38 
 
CU!rrency --------------------- 1,844 00 
 
SGiolvlder, --.N--ic-k--e-ls--P--e-n-n-i-e-s---_-__-_-_-_--_ 
 
47 50 858 41 
 
Advances on Cotton ---------- 
 
Advances on other Commodities 
 
Checks for Clearing House __ 280 75 
 
Other Checks and Cash Items 342 97 
 
Customers' Liability on Letters 
 
of Credit and Acceptances-- 
 
Overdrafts (if any) ------------ 807 67 
 
Other Assets ------------------ 
 
39 00 
 
Capital Stock Paid in --------$ 15,120 00 
Amount Reserved for Branches 
 
Surplus Fund ---------------Undivided Profits -------------Dividends Unpaid -----------Due to Banks in this State___ _ 
 
1,761 23 2,076 03 
 
Due to Banks in othe~r States 
 
Call Money -------------------Individual Deposits Subject to 
 
Check ------------------------ 52,644 89 Demand Ce~rtificates of Depos1t Time Certificates of Deposit_ __ _ 33,478 39 
 
Savings Deposits -------------- 40,031! 99 Trust Funds on Deposit _____ _ 
 
Cashier's Checks -------------- 247 38 
 
Certified Checks -------------- 
 
Bills Payable -----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Resocve for Intocest and Taxes 
 
Other Liabilities -------------- 771 36 
 
Total ------------------------$146,461 27 Total ------------------------$146,461 27 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$ 80,416 17 
 
Demand Loans ---------------- 631 64 Loans Secured by Real Estate 25,180 00 United States Bonds _________ _ 2,000 00 Other Stocks and Bonds _____ _ 
 
BFuarnnkitiunag-e HanodusFeix-tu--r-e-s--_-_-_-__-_-_--_ 
 
2,500 00 1,6,88 76 
 
Other Real Estate Owned ___ _ 475 50 
 
Due from Banks in this State 20,710 84 
 
Capital Stock Paid in --------$ 15,120 00 Amount Reserved for Branches Surplus Fund ---------------- 1,761 23 Undivided Profits ------------ 2,763 54 Dividends Unpaid -----------Due to Banks in this State ___ _ Due to Banks in othoc States 
Call Money -------------------Individual Deposits Subject to 
 
Due from Banks in other States Currency ---------------------SGiolvlder, --N--ic-k-e--ls-,--P--e-n-n-i-e-s---_-__-_-_--_ Advances on Cotton _________ _ Advances on other Commodities Checks for Clearing House __ Othe,r Checks and Cash Items Customers' Liability on Letters 
 
11,064 07 5,392 00 47 50 803 94 
358 03 
 
Check' ---------------------- 55,203 78 
 
Demand Certificates of Deposit 
 
Time Certificates of Deposit __ 34,153 71 
 
Savings Deposits -------------- 43,065 03 
 
Trust Funds on Deposit _____ _ Cashioc's Checks' ------------ 
 
---m-16 
 
Certified Checks -------------- 
 
Bills Payable ------------------ 
 
Notes and Bills Rediscounted__ 
 
of Credit and Acceptances __ 
 
Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ 1,179 00 rowed Money ---------------- 
 
Other Assets ------------------ 
 
Liability on Letters of Credit 
 
and Acceptances -----------Resocve for Intere,st and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$152,447 45 Total ------------------------$152,44 7 4fi 
 
 FIRST ANNUAL REPORT 
 
515 
 
EXAMINER'S REPORT. 
 
BANK OF STAPLETON, STAPLETON. 
 
At Close of Business November 9, 1920. 
 
President-David Denton. Vice-President-Jas. Stapleton. Cashier-J. C. Kilgore. 
 
Directors-David Denton, Joshua F. Denton, Jas. Stapleton, A. S. Stapleton, J. C. 
 
Kilgore. 
 
--------------------------------- Date of Charter-August 15, 1918. 
 
Began Business-October 1, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeaLndoaLnos a-n--s--_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_$ 
 
92,855 15,537 
 
77 50 
 
. Loans Secured by Real Estate 8,902 24 
 
United States Bonds ---------- 6,650 00 
 
Othe,r Stocks and Bonds ------ 
 
FBuarnnkiitnugre HanodusFeixt-u--re--s--_-_-__-_-_-_--_ 
 
2,500 00 3,540 00 
 
Other Real Estate Owned ___ _ 3,200 00 
 
Due from Banks in this Ste te 15,504 8~ 
 
 Due from Banks in other States 4,478 65 
 
Currency ---------------------- 1,859 00 Gold -------------------------- 130 00 Silver, Nickels, Pennies _____ _ 705 77 
 
Advances on Cotton ---------- 
 
Advances on other Commodities 
 
Checks for Clearing House __ 
 
18 66 
 
O'ther Checks and Cash Items 247 48 
 
Customers' Liability on Letters 
 
of Credit and Acceptances __ 
 
Ove1rdrafts (if any) ------------ 
 
Other Assets: Wall" Savings Stamps _________ _ 
 
840 00 
 
Depositors' Guarantee Fund __ 2,702 70 
 
Capital Stock Paid In _________ $ 15,00U" 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 30,000 ()O 
 
Undivided P,rofits ------------ 6,342 09 
 
Dividends Unpaid ------------ 
 
38 40 
 
Due to Banks in this State____ --------- 
 
Due to Banks in othoc States --------- 
 
Call Money -------------------- --------Individual Deposits Subject to 
Check ----------------------- 84,112 33 Demand Certificates of Deposit 5,000 00 Time Certificates of Deposit_ __ 45,984 8! 
 
Savings Deposits -------------- --------Trust Funds on Deposit ______ --------Cashier's Checks -------------- 177 96 Certified Checks -------------- --------Bills Payable ------------------ --------Notes and Bills Rediscounted __ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------- 
 
Rese~rve for Interest and Taxes --------- 
 
Other Liabilities: 
 
Cash Long -------------------- 
 
17 04 
 
Total ------------------------$159,672 66 Total ------------------------$159,672 66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIAB:JLITIES 
 
Time Loans -------------------$ 90,186 32 Capital Stock Paid In _________ $ 15,000 00 
 
Demand Loans ---------------- 5,038 44 Amount Reserved for Branches --------Loans Secured by Real Estate 13,374 57 Surplus Fund ---------------- 3,000 00 United States Bonds ---------- 6,65U 00 Undivided Profits ____________ 7,275 80 
 
Othe,r Stocks and Bonds ______ --------- Dividends Unpaid -------------- 
 
38 40 
 
Banking House ______________ 2,500 00 Due to Banks in this State____ --------- 
 
Furniture and Fixtures ________ 3,540 00 Due to Banks in rthe~r States --------- 
 
Other Real Estate Owned ____ 3,200 00 Due from Banks in this State 5,074 79 
Due from Banks in othe;r States 6,9&4 81' Currency ---------------------- 1,521 00 Gold -------------------------- 101) 00 Silvoc, Nickels, Pennies ________ 885 43 Advances on Cotton __________ -------- 
 
Call Money -------- ----------- --------- 
 
Individual Deposits Subject to 
 
Check ----------------------- 67,594 38 
 
Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit __ 51,665 90 
 
Savings Deposits -------------- --------- 
 
Trust Funds on Deposit ______ 
 
95 19 
 
Advances on other Commodities _________ Cashier's Checks -------------- --------Checks for Clearing House __ _________ Certified Checks ______________ --------- 
 
Other Checks and Cash Items__ 1,520 28 Bills Payable ------------------ ________ _ 
 
Customers' LiabiJ,ity on Letters 
 
Notes and Bills Rediscounted __ --------- 
 
of Oredit and Acceptances__ _________ Certificates of Deposit for Bor- 
 
Ove~rdrafts (if any) ____________ _________ rowed Money ---------------- --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Depositors' Guarantee Fund __ 2.702 70 and Acceptances ____________ --------- 
 
Wrur Savings Stamps __________ 
 
84!J 00 Rese~rve for Interest and Taxes ________ _ 
 
Collection Account -----------Revenue Stamps -------------- 
 
j 526 29 Other Liabilities -------------- --------40 00 
 
I Total ------------------------$144.669 67 Total ------------------------$144,669 67 
 
 516 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
BANK OF STATESBORO, STATESBORO. 
 
At Close of Business July 27, 1920. 
 
President-S. C. Grove.r. Vice-P.resident-E. L. Smith. Cashier-J. 0. Johnson. 
 
Directors-S. C. Grover, E. L. Smith, J. L. Mathews, W. H. Ellis, W. H. Simmons, 
 
W. J. Raekleg. 
 
Date of Charter-October 6, 1891. 
 
Began Business-J;muary 1. 1894. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$437,505 43 Demand Loans ---------------- 26,915 01 Loans Secured by Real Estate  41,994 00 United States Bonds __________ 38,133 20 Other Stocks and Bonds ______ 30,895 00 Banking House ________________ 31,000 00 
Furniture and Fixtures ______ 5,436 84 Other Real Estate Owned______ --------Due from Banks in this State 122.&82 13 Due ~rom Banks in other States 20,953 94 Currency ---------------------- 8,171 00 Gold -------------------------- 590 00 Silve1r, Nickels, Pennies ______ 1,51S7 86 Advances on Cotton __________ -------Advances on other Commodities ________ _ Checks for Clearing House __ ________ _ 
Othe.r Checks and Cash Items 2,301 73 Customers' Liability on Letters 
of Credit and Acceptances__ --------Overdrafts (if any) ------------ 192 25 
Other Assets ------------------ 101,153 00 
 
Capital Stock Paid in ---------$ 75,000 00 Amount Reserved for Branches 
Surplus Fund ------------------ 75,000 nn 
Undivided Profits ------------ 30,241 10 
 
Dividends Unpaid -----------Due to Banks in this State ___ _ 
 
Due to Banks in otl;J.er States 
 
Call Money -------------------Individual Deposits Subject to 
Check ----------------------- 352,066 5~ Demand Certificates of Deposit Time Certificates of Deposit __ 335,094 70 
 
Savings Deposits -------------Cashier's Checks -------------Ce.rtified Checks _____________ _ 
 
834 68 f 23 
 
Bills Payable -----------------Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances ___________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities -------------- 2, 785 41 
 
Total ------------------------$871,026 65 Total ------------------------$871,026 65 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$390,257 03 Demand Loans ________________ 46,619 34 
Loans Secured by Real Rstate 53,395 20 United States Bonds __________ 38,663 20 Othea- Stocks. and 'Bonds ______ 30,895 00 
Banking House ---------------- 31,000 00 Furniture and Fixtures ______ 5,436 84 Other Real Estate Owned______ ________ _ 
Due from Banks in this State__ 90,291 78 Due from Banks in othe1r States 14,493 20 Currency ---------------------- 9,927 00 Gold -------------------------- 567 50 Silver, Nickels. Pennies ______ 942 12 Advances on Cotton ______________ .. ___ _ 
 
Capital Stock Paid in ---------$ 75,000 00 Amount Reserved for Branches --------- 
Surplus Fund ------------------ 75,000 00 Undivided Profits ------------ 34,443 44 
Dividends Unpaid ------------ --------Due to Banks in this State____ --------- 
Due to Banks in other States --------Call Money -------------------- --------Individual Deposits Subject to 
Check ------------~---------- 256,759 29 Demand Certificates ot Deposit --------Time Certificates of Deposit_ __ 273,791 27 Savings Deposits -------------- ________ _ Trust Funds on Deposit ______ --------- 
 
Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances__ Overdrafts (if any)____________ Other Assets ------------------ 
 
--------________ _ 
4,016 11 
________ _ ________ _ ________ _ 
 
Cashier's Checks -------------Certified Checks -------------Bills Payable -----------------Notes and Bills Rediscounted__ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of credit 
and Acceptances -----------Reseil've for Inte.rest and Taxes 
 
1,544 4.S ------------------------- 
--------- 
________ _ ________ _ 
 
Other Liabilities -------------- --------- 
 
Total --------------------$716,538 4~, Total ------------------------$716,538 4R 
 
 FIRST ANNUAL REPORT 
 
517 
 
E:X:AMINE:B.'S :B.EPO:B.T. 
SEA ISLAND BANK, STATESBORO. 
 
President-R. F. Donaldson. Vice-Presidents-J. A. Branner, S. L. Mooce. Cashie.r-J. G. Watson. 
 
Directors-R. F. Donaldson, J. A. Branner, S. L. Moore, D. E. Bud, J. A. McDougald, W. S. Pretorius, R. L. Durrence, F. D. Oliff, C. P. Oliff. 
 
Date of Charter-March 11, 1901. 
 
Began Business-March 16, 1901. 
 
RESOURCES 
 
LIABlLITIES 
 
Time Loans ------------------$582,856 23 Capital Stocl{ Paid in --------$ 50,000 00 
 
Demand Loans ---------------- 106,868 14 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate 60,4&9 49 Surplus Fund ------------------ 50,000 00 
 
United States Bonds __________ 44,811 50 Undivided P.rofits -------------- 34,512 11 
 
Other Stocks and Bonds ______ 30,000 00 Dividends Unpaid -------------- -------~ 
 
Banking House ---------------- ________ _ Due to Banks in this State____ --------- 
 
Furniture and Fixtures ______ 4,500 00 Due to Banks in other States --------- 
 
Othe.- Real Estate Owned ____ 9,2UO 00 Call 'Money -------------------- --------- 
 
Due from Banks in this State 16,&44 23 Individual Deposits Subject to 
 
Due from Banks in othe.r States 2,921 75 Check ---------------------- 273,120 96 
 
Currency ---------------------- 8,734 00 Demand Certificates .of Deposit --------- 
 
Gold -------------------------- 187 50 Time Certificates of Deposit_ __ 358,140 40 
 
Silver, Nickels, Pennies ______ 5,400 78 Savings Depos.its -------------- 20,905 03 
 
Advances on Cotton __________ --------- Trust Funds on Deposit ______ 
 
83 61 
 
Advances on other Commodities --------- Cashier's Checks -------------- 1,087 2~ 
 
Checks for Clearing House____ 1,568 37 Certified Checks -------------- 
 
3 00 
 
Other Checks and Cash Ttems Customers' LiabiJity on Letters 
of Credit and Acceptances__ Overdrafts (if any) ____________ 
Other Assets ------------------ 
 
9,992 71 
--------620 93 
________ _ 
 
Bills Payable -----------------Notes' and Bills Rediscounted__ Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances ____________ Reserve for Inte.rest and Taxes 
 
90,000 00 ------------------------________ _ 
 
Other Liabilities -------------- 7,123 29 
 
Total ------------------------$884,975 63 Total ------------------------$884,975 63 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILI'l'IES 
 
Time Loans ------------------$541,777 09 Capital Stock Paid in ________ $ 50,000 00 
 
Demand Loans ---------------- 146,747 3ii Amount Reserved for Branches 
 
Loans Secured by Real Estate 58,499 6? Surplus Fund ----------------- 1)0,000 00 United States Bonds __________ 46,482 01 Undivided P.rofits ------------ 25,865 83 
 
Other Stocks and Bonds ______ 30,000 00 Dividends Unpaid ------------ 
 
Banking House ---------------- ________ _ Due to Banks in this State __ 
 
Furniture and Fixture-s -------- 4,500 0~ Due to Banks in other States 
 
Other Real Estate Owned ______ 9,200 00 Call Money ------------------ 
 
Due from Banks in this State 9,357 92 Individual Deposits Subject to 
 
Due from Banks in other Statps 1,30'!1 31 Check ------------------------ 214,686 99 Currency ---------------------- 4,213 00 Demand Certificates of Deposit 
 
Gold --------------------------Silver, Nickels, Pennies ------ 
 
162 50 3,304 99 
 
Time Certificates of Deposit__ 275,859 10 Savings Deposits _____________ _ 21,844 86 
 
Advances on Cotton __________ ________ _ Trust Funds on Deposit _____ _ 
 
Advances on other Commodities ________ _ Cashier's Checks -------------- 4,268 88 
 
Checks for Clearing House____ Other Checks and Cash Items 
 
7.874 ~P 2,073 08 
 
CBeinrtsifPieadyaCbhleec_k_s___-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
143 215,000 
 
17 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted __ 
 
of Credit and Acceptances __ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ____________ 
 
13 55 rowed Money ---------------- 
 
Other Assets ------------------ ________ _ Liability on Letters of Credit 
 
and Acceptances ____________ ' --------- 
 
Reserve fnr Interest and Taxes 
 
Other Liabilities: 1TnearnPrl TnterPRt ___________ _ 7,845 27 
 
Total ------------------------$865,514 Jr Total ------------------------$865,514 1o 
 
 --~~-----------------------~-, 
 
518 
 
BANKING DEPARTMENT 
 
------------------------------------------------ 
 
E:XAMI:NEB'S BEPOBT. 
 
BANK OF STATHAM, STATHAM. 
 
At Close of Business September 29, 1920. 
 
P;resident-L. 0. Benton. Vice-P;resident-C. B. Chambers. Cashier-B. H. Grant. 
 
Directors--[.,. 0. Benton, C. B. Chambers, B. H. Grant, T. J. Sikes, L. M. Arnold, 
 
0. H. Arnold, Jr., S. A. Boland, J. C. Daniel, J. C. Williams. 
 
Date of Charte,.-March 30, 1904. 
 
Began Business-April 4, 1904. 
 
IJTA'BILITIES 
 
Time Loans ------------------$304,764 04 Capital Stock Paid In__________ $ 40,00"0 00 
 
Demand Loans ---------------- li,081 95 Amount Reserved for Branches 
 
Loans SecU'l"ed by Real Estate --------- Surplus Fund ----------------- 15,000 00 United States Bonds__________ 3,100 00 Undivided Profits ------------ 8,602 44 
 
Other Stocks and Bonds______ 3,100 00 Dividends Unpaid -------------- 
 
Banking House ---------------- 1.900 On Due to Banks in this State___ _ Furniture and Fixtures________ 3,010 68 Due to Banks in other States__ 
 
Other Real Estate Owned____ 2,500 00 Call Money ------------------- 
 
Due from Banks in this State__ 9,583 74 Individual Deposits Subject to 
 
Due from Banks in othe.r States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies_______ 
 
2, 763 63 Check ----------------------- 107,413 46 864 00 Demand Certificates of Deposit 77 50 Time Certificates of DeposiL_ 147,448 60 
1,887 99 Savings Deposits -------------- 
 
Advances on Cotton____________ 59,753 13 Trust Funds on Deposit ------ 
 
Advances on other CommoditiPS --------- Cashier's Checks -------------- 992 78 
 
Checks for Clearing House____ 
 
10 00 Certifi-ed Checks -------------- 
 
Other Checks and Cash Items 1,199 12 Bills Payable ------------------ 80,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted __ 
 
of Credit and Acceptances __ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ ________ _ .rowed Money ---------------- 
 
Other Assets: Cash Short -------------------Revenue Stamps -------------- 
 
Liability on L.etters of Credit 6 50 and Acceptances ___________ _ 40 00 Reserve fo,r Interest and Taxes 
 
185 00 
 
Other Liabilities -------------- 
 
Total ------------------------$399,652 28 Total ------------------------$399,652 28 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RElSOURCES 
 
LIABILITIES 
 
Time Loans ------------------$185,199 19 Capital Stock Paid In__________ $ 40,000 00 
 
Demand Loans ---------------- 10,249 96 Amount Reserved for Branches --------Loans SecUired by Real Estate 49,304 8~ Surplus Fund ----------------- 15,000 00 United States Bonds__________ 3.200 00 TTndivided Profits -------------- 1,917 60 
 
Other Stocks and Bonds________ 3,100 00 Dividends Unpaid -------------- --------Banking House ---------------- 1,900 00 Due to Banks in this State____ ________ _ Furniture and Fixtures________ 3,010 68 Due to Banks in other States__ --------- 
 
Other Real Estate O'wned____ 2,500 00 Call Money ------------------- --------Due from Banks in this State__ 20.340 9' Individual Deposits Subject to 
 
Due from Banks In other States 
Currency ---------------------Gold -------------------------Silver, Nickels, Pennies_______ Advances on Cotton____________ 
 
6,477 27 
3,661 00 97 50 
2,137 3fi 47,245 99 
 
Check ----------------------- 93,750 33 Demand Certificates of Deposit 1,000 00 T1ime Ce,rtificates of DeposiL_ 123,316 96 Savings Deposits -------------- --------T,rust Funds on Deposit_______ 2,2lHl 33 
 
Advances on other Commodities ________ _ Cashier's Checks -------------- 1,214 88 Checks for Clearing House____ ________ _ Certified Checks ______________ --------- 
 
Othe.r Checks and Cash Items_ 
 
8 15 Bills Payable ------------------ 60,000 00 
 
Customers' Liability on Letters 
 
2\;'otes and Bills Rediscounted__ --------- 
 
of Credit and Acceptances__ ________ _ Certificates of Deposit for Bor- 
 
Overdrafts (if any) ------------ --------- rowed Money ---------------- --------- 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Short Cash Account____________ 
 
33 35 and Acceptances ------------ --------- 
 
Reserve for Interest and Taxes --------Other Liabilities -------------- ________ _ 
 
Total -------------------$338,466 10 1Total --------------------------$338,466 JO 
 
 FIRST ANNUAL REPORT 
 
519 
 
EXAMINER'S REPORT. 
 
BANK OF STEPHENS, STEPHENS. 
 
At Close of Business July 14, 1920. 
 
President-Jno. F. Holden. Vice-President-W. F. Adkins. Cashier-M. 0 .. Hollis. 
 
Directors-Jno. F. Holden, W. F. Adkins, E. H. Bell, J. Hunter, J. W. Moody, 
 
Y. J. Nicholson, R. H. Sanders. 
 
Date of Charter-1911. 
 
Began Business~1911. 
 
RESOURCES 
 
Ll.A:BILITIES 
 
~~~~n~0t~~ns-================$ 
 
96,893 3,639 
 
36 80 
 
Loans Secured by Real Estate 16,973 27 
 
United States Bonds_________ _ 500 00 
 
Othe,r Stocks and Bonds _____ _ 
 
Banking House --------------Furniture and Fixtures_______ _ 
Other Real Estate Owned _____ _ Due from Banks in this State __ 
Due from Banks in other States 
Currency ---------------------Gold --------------------------Silver, Nickels, Pennies______ _ Advances on Cotton___________ _ 
 
1,593 20 2,399 97 
1,710 08 11,411 68 
1,058 00 
335 04 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances __ Overdrafts (if any) ___________ _ 
Other Assets ___________ c ____ _ 
 
268 96 
 
Capital Stock Paid In________ $ 15,000 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ------------------ 10,000 00 
 
Undivided P,rofits ------------ 5,892 31 
 
Dividends Unpaid -------------- 
 
62 40 
 
Due to Banks in this State____ --------- 
 
Due to Banks in other States__ --------- 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 55,036 19 
 
Demand Certificates of Deposit --------Time Certificates of Deposit__ 34,496 97 
 
Savings Deposits -------------- ________ _ 
 
Cashier's' Checks -------------- 177 81 
 
Bills Payable ------------------ 20,000 00 
 
Notes and Bills Rediscounted__ --------- 
 
Certificates of Deposit for Bor- 
 
.rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes ________ _ Other Liabilities ______________ ________ _ 
 
Total ------------------------$140,665 68 Total ------------------------$140,665 68 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 83,454 34 
 
Demand Loans ---------------- 
 
38 90 
 
Loans >Secured by Real Estate 14,572 62 
 
United States Bonds _________ _ 500 00 
 
Othe,r Stocks and Bonds _____ _ 
 
Banking House -------------- 1,593 20 Furniture and Fixtu.res_______ _ 2,414 32 Other Real Estate Owned ___ _ 
 
Due from Banks in this State __ 10,62-8 34 
 
Due from Banks in other States 
Currency ---------------------GSiollvder-, --N--ic-k--e-ls-,---P-e-n-n--ie--s-_-_-__-_-_--_ Advances on Cotton___________ _ 
 
!J61l 52 605 00 40 00 
34\J 69 
 
Advances on other Commodities Checks for Clearing House ___ _ 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
222 79 
 
of Credit and Acceptances__ Overdrafts (if any) ___________ _ 
 
264 86 
 
Other Assets ----------------- 
 
Capital Stock Paid In________ $ 15,000 00 
 
Amount Reserved for Branches Surplus Fund ------------------ 
 
-1-o~ouo-oii 
 
Undivided Profits ------------ 4,845 29 
 
Dividends Unpaid ------------ 
 
57 60 
 
Due to Banks in this State ___ _ 
 
Due to Banks in other States__ 
 
Call Money ------------------Individual Deposits Subject to 
 
Check ----------------------- 24,848 74 Demand Certificates of Deposit Time Ce,rtificates of Deposit__ 20,845 97 
 
Savings Deposits -------------Trust Funds on Deposit_ ______ _ 
 
Cashier's Checks -------------Certified Checks ______________ 
 
49 98 
 
Bills Payable ----------------- 40,000 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposlit for Bor- 
 
,rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities _____________ _ 
 
Total ------------------------$115,647 58 Total ------------------------$115,647 58 
 
 520 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
PLANTERS BANK, STILLMORE. 
 
At Close of Business July 16, 1920. 
 
President-J. N. Youmans. Vice-President-L. B. Brown. Cashier-A. E. Reese. 
 
Directors-J. N. Youmans, L. B. Brown, M. Popkins., Alen Hughes, E. R. Heath, 
 
W. J. Evans, A. E. Reese. 
 
Date of Charter-June -3, -19-1-9.----------------B-eg-a-n--B-u-si-ne-ss---Ju-n-e--4,---- 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$111,523 20 Capital Stock Paid In__________ $ 24,600,00 
 
Demand Loans ---------------- 10,253 9~ Amount Reserved for Branches 
 
Loans Secoced by Real Estate --------- Surplus Fund ----------------- 
 
United States Bonds ---------- --------- Undivided Brofits -------------- 4,488 65 
 
Other Stocks and Bonds ------ --------- Dividends Unpaid ------------- 
 
Banking House ---------------- 8,500 00 Due to Banks in this State ___ _ 
 
Furniture and Fixtures________ 4,000 00 Due to Banks in other States__ 
 
Other Real Estate Owned ____ --------- Call Money ------------------- 
 
Due from Banks in thlis State__ 12,787 66 Individual Deposits Subject to 
 
Due from Banks in other States 157 60 Check ----------------------- 74,513 96 
 
Currency ---------------------Gold --------------------- ______ 
 
3,339 00 15 00 
 
Demand Certificafes of Deposit Time Certificates of Deposit__ 
 
-4-l,28i-9i 
 
Silver, Nickels, Pennies______ 1,741 10 Savings Deposits -------------- 
 
Advances on Cotton____________ --------- Cashier's Checks -------------- 1,796 82 
 
Advances on other Commodities --------Checks for Clearing House____ ________ _ 
 
Certified Checks -------------Bills Payable ------------------ 
 
20,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted __ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ ________ _ ,rowed Money ---------------- 
 
Overdrafts (if any) ------------ --------- Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ------------ 
 
County Warrant -------------- 10,666 67 Reserve for Interest and Taxes 
 
Fa.rmers Exchange Bank (de- 
 
Other Liabilities -------------- 124 OfJ 
 
funct) Claim ---------------- 3,055 19 
 
_________________ _______ Total 
 
------------------------$166,805 43 
..:__ 
 
Total 
 
------------------------------H-6-6-,8-05- -43 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$108,202 34 
 
Demand Loans ---------------- 10,253 92 
 
Loans Secured United states 
 
by Real Estatte Bonds__________ 
 
--6~8ob-oo 
 
Other Stocks and Bonds_______ --------- 
 
Banking House ---------------- 8,500 00 l<~urniture and Fixtures________ 4,000 00 
 
Other Real Estate Owned ____ --------- 
 
Due from Banks in this State__ 4,6~ 77 
 
Due from Banks in other States 
 
5 88 
 
Cu11rency ---------------------GSiollvder-, --N--ic-k--e-ls-,---P-e-n-n--ie-s--_-__-_-_-_--_ Advances on Cotton__________ _ 
 
4,638 00 
25 00 
731 00 5,963 93 
 
Advances on other Commodities --------Checks for Clearing House___ _ 68Z 10 
 
Other Checks and Cash Items --------Customers' Liability on Letters 
 
of Credit and Acceptances__ --------Overdrafts (if any) __________ --------- 
 
Other Assets: 
 
County Warrants -------------- 17,804 07 
 
Capital Stock Paid in ---------$ 25,000 00 Amount Reserved for Branches Surplus Fund ----------------Undivided Profits ------------ 2,456 15 Dividends Unpaid -----------Due to Banks in this State ___ _ Due to Banks in other States__ 
Call Money ------------------Individual Deposits Subject to 
Check ----------------------- 44,296 65 Demand Certificates of Deposit Time Certificates of Deposit_ __ 47,397 86 Savings Deposits -------------Trust Funds on Deposit_ ______ _ 
Cashier's Checks -------------- 2,764 35 Certified Checks -------------Bills Payable ------------------ 50,400 00 Notes and Bills Rediscounted __ Certificates of Deposit for Bor- 
,rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes 
Other Liabilities -------------- 
 
Total ------------------------$172,315 01 Total ------------------------$172,315 01 
 
~ 
 
 FIRST ANNUAL REPORT 
 
521 
 
EXAMINER'S BEPOB'l'. 
 
BANK OF STOCKBRIDGE, STOCKBRIDGE. 
At Close of Business August 31, 1920. 
President-J. D. Bowen. Vice-Presidents-J. G. Ward, S. C. McWilliams. Cashie,r-C. M. Power. 
Directors-J. D. Bowen, S. C. McWill'iams, J. G. Ward, G. G. Moseley, J. T. Mays, M. B. Hinton, M. D. Reeves, J. H. Fargason. 
Date of Charter Amendment-September 30, 1919. 
 
RESOURCES 
 
LIABTLITIES 
 
Time Loans ------------------$361,872 83 Capital Stock Paid In __________ $ 60,000 00 
 
Demand Loans ---------------- 33,900 00 Amount Reserved for Branches -------- 
 
Loans Secu"'ed by Real Estate --------- Surplus Fund ----------------- 12,000 00 
 
United States Bonds__________ 4,5011 00 Undivided Profits ------------ 19,847 81 Other Stocks and Bonds ______ 7,750 00 Dividends Unpaid ____________ --------- 
 
Banking House -------------- l ,000 00 Due to Banks in this State____ --------Furniture and Fixtures________ 1,015 00 Due to Banks in other States 12,681 96 
 
Other Real Estate Owned ____ --------- Call Money -------------------- 48,500 00 
 
Due from Banks in tMs State__ 10,81f9 34 Individual Deposits Subject to 
 
Due from Banks in other States ________ _ Check ---------------------- 199,004 0~ 
 
Currency ---------------------Gold --------------------------- 
 
363 50 
 
0o0n 
 
Demand Ce.rtificates of Deposit Time Certificates of Deposit_ __ 
 
6,500 00 69,046 00 
 
Silv~. Nickels, Pennies_______ Advances on Cotton____________ 
 
1,4!!4 20 -------- 
 
CSaavsihnigesr'sDCephoesciktss -_-_-_-_-_-_-_-__-_-_-_-_--_ 
 
--------'974 34 
 
Advances on other Commodities --------- Certified Checks -------------- --------- 
 
Checks for Clearing House____ 1,386 14 Bills Payable ------------------ 20,000 00 
 
Other Checks and Cash Items 2,275 35 Notes and Bills Rediscounted__ --------- 
 
Custome"'s' Liabi1ity on Letters 
 
Certificates of Deposit for Bor- 
 
of Credit and Acceptances__ --------- .rowed Money ---------------- --------Ovel'drafts (if any)____________ 20,765 67 Liability on Letters of Credit 
 
Other Assets ------------------ 3,764 15 and Acceptances ____________ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- 2,471 54 
 
Total ------------------------$451,025 68 Total ------------------------$451,025 68 . 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LrABI'LITIES 
 
Time Loans ------------------$319,671 2~ Capital Stock Paid In__________ $ 60,000 00 
 
Demand Loans ---------------- 52,665 Amount Reserved for Branches --------- 
 
Loans Secured by Real Estate United States Bonds __________ 
 
34,151 1f 4,66U 00 
 
Surplus Fund ----------------Undivided Profits ------------- 
 
12,000 00 18,875 30 
 
Other Stocks and Bonds ______ 7, 750 00 Dividends Unpaid ------------ --------- 
 
Banking House ---------------- 1,000 00 Due to Banks in this State____ 189 92 
 
Furniture and Fixtures________ 1,015 00 Due to Banks in other States__ --------- 
 
Other Real Estate Owned ____ --------- Call Money-------------------- 40,000 00 
 
Due from Banks in this State__ 2,001 48 Individual Deposits Subject to 
 
Due firom Banks in other States 2,587 6~ Check ----------------------- 144,162 14 
 
Currency ---------------------- 1,339 00 Demand Certificates of Deposit --------- 
 
Gold --------------------------- --------- Time Certificates of Deposit___ 69,640 71 Silve.r, Nickels. Pennies_______ 1,166 4~ Savings Deposits -------------- --------- 
 
Advances on Cotton and Seed 30,572 12 Trust Funds on Deposit________ --------- 
 
Advances on other Commodities --------- Cashier's Cheeks __ c___________ 2,273 01 
 
Checks for Clearing House____ --------- Certified Checks -------------- --------- 
 
Other Checks and Cash Items 334 60 Bills Payable ------------------ 85,500 00 
 
Custome,rs' LiabiLity on Letters 
 
Notes and Bills Rediscounted__ 30,521 73 
 
of Credit and Acceptances__ --------- Certificates of Deposit for Bor- 
 
Overdrafts ('if any)-----------Other Assets: 
 
707 45 ,rowed Money ---------------- --------Liability on Letters of Credit 
 
Depositors' Guarantee Fund__ 3,421 35 and Acceptances ------------ --------- 
 
Insurance Fund -------------- 12'0 ()0 Reserve for Interest and Taxes --------- 
 
Other Liabilities -------------- --------- 
 
Total ------------------------$463,162 81 Total ------------------------$463,182 81 
 
 522 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
GRANITE BANK, STONE MOUNTAIN. 
 
At Close of Business July 15, 1920. 
 
Rresident-J. Steve McCurdy. Vice-President-V. R. Williams. 
 
Cashier-Dean Roberts. 
 
Directors-J. Steve rMcCurdy, V. R. Williams, E. D. Jordan, W. D. Maddox, D. F. 
 
Smith, J. W. F1oyd, C. J. Britt, J. R. Irwin, Jno. L. Candler, M. M. 
 
George, W. T. McCurdy, L. A. Weaver, C. J. Dedhong. 
 
Date of Charter~September 5, 1911. 
 
Began Business-August 31, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$134,046 67 Capital Stock Paid In_______ $ 15,000 00 Demand Loans ------------- 12,345 00 Amt. Reserved for Branches ________ _ 
 
Loans Secured by Real Estate 49,061 74 Surplus Fund -------------- 20,000 00 
 
United States Bonds ------ _________ Undivided Profits ---------- 5,849 77 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid __________ 
 
40 00 
 
Banking House ------------- 1,412 09 Due to Banks in this State__________ _ 
 
Furniture and Fixtures______ 1,587 91 Due to Banks in other States ________ _ 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 13,089 66 Individual Deposits Subject 
 
Due from Banks 'in other 
 
to Check ----------------- 101,683 96 
 
States ------------------- 1,480 10 Demand Certificates of Deposit ________ _ 
 
Currency ------------------ 7,030 00 Time Certificates of DeposiL 65,300 02 
 
Gold ----------------------- 
 
277 50 Savings Deposits ____________ 30,014 44 
 
Silver, Nickels, Pennies_____ 1,709 27 Cashier's Checks __________ 
 
3 00 
 
Advances on Cotton -------- --------- Certified Checks ----------- _________ 
 
Advances on other Commodi- 
 
Bills Payable -------------- _________ 
 
ties --------------------- --------- Notes and Bills Rediscounted ________ _ Checks for Clearing House__ --------- Certificates of Deposit for Other Checks and Cash Items --------- Borrowed Money ________ ________ _ 
 
Customers' Liability on Let- 
 
Liability on Letters of Coc-edit 
 
ters of Credit and Accept- 
 
and Acceptances _________ --------- 
 
ances -------------------- 12,679 01 Reserve for Interest and Taxes ________ _ 
 
Overdrafts (if any) -------Other Assets: 
 
431 58 Other Liabilities ----------- 
 
130 18 
 
Bills Receivable ----------Transit -------------------- 
 
6 06 263 43 
 
Total --------------------$238,021 37 Total --------------------$238,021 37 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$138,307 35 Capital Stock Paid In_______ $ 15,000 00 
 
Demand Loans ------------- 10,090 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 52,673 01 Surplus Fund -------------- 20,000 00 
 
United States Bonds ______ --------- Undivided Profits ----------- 4,433 90 Other Stocks and Bonds_____ _________ Dividends Unpaid ---------- 
 
Banking House ------------- 1,412 09 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,569 51 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- 
 
Due from Banks In this State 7,947 42 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
607 45 DetomaCnhdeCcke.r-t-if-i-c-at-e-s-o-f--D-e-p-o-s-i-t 7,949 00 Time Certificates of Deposit 
287 50 Savings Deposits __________ _ 815 37 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton ________ _________ Cashier's Checks ----------- 
 
73,549 07 
no,9o7 ~~ 27,583 27 
302 77 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u-s-e-_-_- 
 
_- -_-_-_ _- _-_-_- -_ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
35,000 00 
 
Other Checks and Cash Items 
 
101 50 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Acc.ept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-) - -- -- -- -- -- -- -- -- -Other Assets: 
 
3,425 43 and Acceptances ________ _ 192 79 Reserve for Interest and Taxes Other Liabilities __________ _ 
 
In Transit ---------------- 
 
400 48 
 
Total --------------------$226,778 90 Total --------------------$226,778 90 
 
 FIRST ANNUAL REPORT 
 
523 
 
EXAMINER'S REPORT. 
 
STONE MOUNTAIN BANK, STONE MOUNTAIN. 
 
At Close of Business July 10, 1920. 
 
President-J. F. McCurdy. Vice-President-J. J. Griffin. Cashier-E. A. Graham. 
 
Directors-J. F. McCurdy, J. J. Griffin, W. S. McCurdy, J. S. Rankin, B. H. Davis, 
 
T. J. Campbell, P. W. Derrick. 
 
Date of Charter-October, 1905. 
 
Began Business-October, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 100 00 Capital Stock Paid In_______$ 15,000 00 
 
Demand Loans ------------- 106,460 96 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 9,800 00 Surplus Fund -------------- 15,000 00 
 
United States Bonds -------- 1,197 70 Undivided Profits ----------- 
 
Othe-r Stocks and Bonds_____ 
 
Dividends Unpaid ---------- 
 
Banking House ------------ 2,000 00 Due to Banks in this State __ Furniture and Fixtures_____ 2,000 00 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 3,394 18 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 55,509 70 
 
States ------------------- 3,421 66 Demand Certificates of Deposit 
 
Currency -----------------GSiolvlder-, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-__-_--_ 
 
1,139 00 Time Certificates of Deposit_ 34,516 71 120 00 Savings Deposits ----------687 32 Trust Funds on Deposit_____ 
 
Advances on Cotton -------- 
 
Cashier's Checks ---------- 
 
Advances on other Commodities 
 
Certified Checks ----------- 
 
Checks for Clearing House __ 1,174 40 Bills Payable --~---------- 15,000 00 
 
Other Checks and Cash Items 1,050 08 Notes and Bills Rediscounted 
 
Customers! Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ 
 
Borrowed Money --------- 
 
Overdrafts (if any) -------- 
 
504 69 Liability on Letters of Oredit 
 
Other Assets: 
 
and Acceptances --------- 
 
Profit and Loss ------------ 2,605 93 Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
629 51 
 
Total --------------------$135,655 92 Total --------------------$135,655 92 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$108,001 86 Capital Stock Paid In_______$ 15,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 15,000 00 United States Bonds ________ 1,150 00 Undivided Profits ---------- 2,673 61 
 
Other Stocks and Bonds----- --------- Dividends Unpaid ---------- 
 
Banking House ------------ 2,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Mone1y ---------------Due from Banks in this State 3,735 64 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s_-_-_-_--_ 
 
to Check ----------------1,102 05 Demand Certificates of Deposit 
994 00 Time Certificates of Deposit_ 115 00 Savings Deposits ----------468 57 Trust Funds on Deposit_ ___ _ 
 
39,699 05 32,617 51 
 
Advances on Cotton -------- --------- Cashier's Checks ---------- 
 
Advances on other Commodities --------- Certified Checks ----------- 
 
Checks for Clearing House__ --------- Bills Payable -------------- 
 
Other Checks and Cash Items 
 
5 00 Notes and Bills Rediscounted 
 
Customers: Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ _________ Borrowed Money ________ 
 
Overdrafts (if any) Secured, 
 
Liability on Letters of Oredit 
 
4,767,30; Unsecured, 820.06_ 5,587 36 and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Profit and Loss ------------ 6,830 69 Other Liabilities ----------- 
 
Total --------------------$131,990 17 Total --------------------$131,990 17 
 
 r 
I 
I 
 
524 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF COMMERCE, SUMMERVILLE. 
 
At Close of Business October 18, 1920. 
 
President-C. C. Cleghorn. Vice-President-E. N. 1Maxtin. .cashier-N. K. Bitting. 
 
Directors-C. C. Cleghorn, E. N. Martip, N. K. Bitting, B. H. Edmondson, 
 
J. S. Cleghorn. 
 
Date of Charter-October 21, 1891. 
 
Began Business-September 1, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$260,477 35 Capital Stock Paid In_______$ 20,400 00 Demand Loans ------------- --------- Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund -------------- 12,500 00 United States Bonds ________ 16,215 00 Undivided Profits ---------- 5,430 13 Other Stocks and Bonds_____ _________ Dividends Unpaid ---------Banking House ------------- --------- Due to Banks in this State __ 5, 768 01 Furniture and Fixtures_____ 2,115 42 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State 
 
759 37 Call Mone,y ---------------6 96 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 117,675 74 
 
States ------------------- 10,302 32 Demand Ce.rtificates of Deposit 
 
Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
6,073 00 Time Certificates of DeposiL 48,401 88 505 00 Savings Deposits ----------545 60 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton ________ --------- Cashier's Checks ___________ 1,214 02 
 
Advances on other Commodities ________ _ Certified Checks ----------- 
 
Checks for Clearing House__ ________ _ Bills Payable -~----------- 60,000 00 
 
Other Checks and Cash Items 
 
298 13 Notes and Bills Rediscounted 28,125 72 
 
Customers' Liability on Letters 
 
Certifica.tes of Deposit for 
 
of Credit and Acceptances_ --------- Borrowed Money --------Overdrafts (if any) -------- 2,699 35 Liability on Letters of Credit 
 
Other Assets --------------- --------- and Acc.eptances --------Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
482 00 
 
Total --------------------$299,997 50 Total --------------------$299,997 50 
 
BANK'S ST'ATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$170,261 21 Demand Loans ------------- 6,720 00 Loans Secured by Real Estate 69,011 73 United States Bonds ________ 16,215 00 
Other Stocks and Bonds_____ --------- 
 
Capital Stock Paid In_______$ Amt. Reserved for Branches Surplus Fund -------------Undivided Profits _________ _ Dividends Unpaid _________ _ 
 
20,400 00 
12,500 00 6,666 52 
 
Banking House ------------Furniture and Fixtures_____ Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- - N- -i-c-k-e-l s-,- -P- -e -n-n-i e- s- -_ _-_-_- -_ 
 
--------2,115 42 559 37 5,006 96 
9,812 76 6,462 00 
495 00 364 50 
 
Due to Banks in this State __ 1,883 64 Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ----------------- 142,994 96 Demand Ce.rtificates of Deposit 
 
Time Certificates of Deposit_ Savings Deposits __________ _ 
 
39,756 90 
 
Trust Funds on Deposit____ _ 
 
Advances on Cotton ________ --------- Cashier's Checks ___________ Advances on other Commodities ________ _ Certified Checks __________ _ 
 
886 59 
 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances_ Overdrafts (if any) ________ _ 
Other Assets --------------County Warrants ---------~ 
 
432 89 262 42 
________ _ 2,408 57 119 46 3,857 22 
 
Bills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ Liability on Letters of Oredit 
and Acceptances ________ _ Reserve for Interest and Taxes 
 
61,000 00 7,533 90 
 
Other Liabilities ----------- 
 
482 00 
 
Total --------------------$294,104 51 Total --------------------$294,104 51 
 
 FIRST ANNUAL HEPOH'l' 
 
525 
 
EXAMINER'S REPORT. 
 
CHATTOOGA COUNTY BANK, SUMMERVILLE. 
 
At Close of Business October 16, 1920. 
 
President-Jno. D. Taylor. Cashier-B. \Y. Farrar. 
 
Directors-Jno. D. Taylor, T. M. Ballenger, B. H. Edmondson, J. C. Hutchens, 
 
S. C. Martin, G. T. Myers, E. S. Taylor. 
 
Date of Charter-November 25, 1905. 
 
Began Business-January 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$211,006 61 Capital Stock Paid In _______ $ 30,000 00 
 
Demand Loans ------------- 58,465 33 Amt. Reserved for Branches Loans Secured by Real Estate 74,211 36 Surplus Fund -------------- 22,000 00 United States Bonds________ 7,722 75 Undivided Profits ----------- 6,114 77 
 
Other Stocks and Bonds_____ 7,200 00 Dividends unpaid ---------Banking House ____________ 5,862 4Z Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,604 85 Due to Banks in ofher States 
 
Other Real Estate Owned____ 20,599 56 Call Money ---------------- 
 
Due from Banks in this State 14,234 59 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 303,502 29 
 
States ___________________ 28,869 25 Demand Certificates of Deposit 
 
Currency ------------------ 7,723 00 Time Certificates of Deposit_ 46,620 29 
 
Gold ----------------------- 
 
110 00 Savings Deposits __________ _ 
 
Silver, Nickels, Pennies_____ 1,084 24 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton ________ _________ Cashier's Checks __________ _ 
 
100 60 
 
Advances on other Commodities _________ Certified Checks __________ _ 
 
Checks for Clearing House__ _________ Bills Payable -------------- 30,000 00 
 
Other Checks and Cash Items 3,851 71 Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ _________ Borrowed Money --------- 
 
Overdrafts (if any) -------- 1,085 31 Liability on Letters of Credit 
 
Other Assets _______________ 
 
850 65 and Acceptances _________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 7,143 68 
 
Total --------------------$ --------- Total ____________________ $ _________ BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$204,414 11 Capital Stock Paid In _______ $ 30,000 00 
 
Demand LoanR ------------- 70,556 52 Amt. Reserved for Branches Loans Secured by Real Estate 71,837 57 Surplus Fund _____________ _ 22,000 00 
 
United States Bonds _______ 7,813 10 Undivided Profits ---------- 8,390 17 
 
Other Stocks and Bonds_____ 7,200 00 Dividends Unpaid ---------- 
 
Banking House ------------ 6,539 77 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 2,718 93 Due to Banks in other States Other Real Estate Owned____ 20,664 95 Call Money -------~------- 
 
Due from Banks in this State 29,845 97 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 289,156 15 
 
States ___________________ 67,782 18 Demand Certificates of Deposit 
 
Currency ------------------ 9,778 00 Time Certificates of Deposit 39,896 04 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
45 00 Savings Deposits ----------841 85 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_________ 
 
778 51 Cashier's Checks ----------- 1,072 50 
 
Advances on other Commodities _________ Certified Checks __________ _ 
 
Checks for Clearing House__ 
 
201 15 Bills Payable _____________ _ 105,000 00 
 
Other Checks and Cash Items 
 
93 84 Notes and Bills Rediscounted 
 
Customers' Liability OIJ Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ _________ Borrowed Money ________ _ 
 
Overdrafts (if any) --------Other Assets: 
 
696 44 Liability on Letters of Credit and Acceptances _________ _ 
 
Interest Earned, Not Collected ------------------- 
 
Reserve for Interest and Taxes 7,143 68 850 65 Other Liabilities __________ _ 
 
Total --------------------$502,658 54 Total --------------------$502,658 54 
 
 526 
 
BANKING DEPARTMENT 
 
EXAlllliNEB'S BEPOBT. 
 
PEOPLES BANK, SUMMIT, 
 
At Close of Business July 17, 1920. 
 
President-J. A. Jones. Vice-President-B. L. Rountree. Cashier-S. J. Flanders. Directors--J. A. Jones, B. L. Rountree, B. Cobb, S. J. Flanders. 
 
Date of C.harter-,September 13, 1904. 
 
Began Business--September 20, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$186,713 01 Capital Stock Paid In_______$ 25,000 00 
 
Demand Loans ------------- 2,529 94 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 7,376 20 Surplus Fund -------------- 
 
United States Bonds -------- 9,000 00 Undivided Profits ----------- ~.354 28 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 6,527 56 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 4,088 89 Due to Banks in other States 
 
Other Real Estate Owned____ 5,330 00 Call Money ---------------- 
 
Due from Banks in this State 19,431 57 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s--__-_-_--_ 
 
5,199 37 DetomaCnhdeCcker-ti-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 111,033 46 1,421 00 Time Certificates of Deposit_ 104,806 24 
537 50 Savings Deposits ----------872 74 Cashier's Checks ----------- 442 70 
 
AAddvvaanncceess oonnoCthoetrtConom-m--o-d-i-ti-e-s 
 
-_-_-_-_ _- _- _-_- -_ 
 
Certified Checks ----------Bills Payable -------------- 
 
Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 588 90 Certificates of Deposit for 
 
Customers' Liability on Letters 
 
Borrowed Money --------- 
 
of Credit and Acceptances_ ________ _ Liability on Letters of Credit 
 
Overdrafts (if any) -------- ________ _, and Acceptances ---------- 
 
Other Assets --------------- --------- Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$249,636 68 Total ---~----------------$249,636 68 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$197,653 78 Capital Stock Paid In_______$ 25,000 00 
 
Demand Loans ------------- 
 
846 80 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
--------9,000 00 
 
Surplus Fund -------------Undivided Profits ----------- 
 
Other Stocks and Bonds ___ _ Banking House _______.:____ 
 
-6~527-56 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
5,000 00 4,090 79 
 
Furniture and Fixtures_____ 4,088 89 Due to Banks in other States 
 
Other Real Estate Owned____ 3,850 00 Call Money ---------------Due from Banks in this State 12,906 51 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s_-_-_-_--_ 
 
10,856 52 DetomaCnhdeCcker-ti-f-ic-a-t-e-s-o-f--D-e-p-o-s-i-t 122,051 30 
 
3,076 00 Time Certificates of Deposit_ 77,949 62 
 
742 852 
 
50 39 
 
STarvuisntgFs uDnedpsoosints D-e-p-o-s-i-t_--_-__--_ 
 
Advances on Cotton -------- --------- Cashier's Checks ----------- 
 
Advances on other Commodities --------- Certified Checks ----------- 
 
Checks for Clearing House__ 
 
544 00 Bills Payable -------------- 
 
Other Checks and Cash Items 
 
26 36 Notes and Bills Rediscounted 
 
Customers'' Liability on Letters 
 
Certificates of Deposit for 
 
15,000 00 
 
of Credit and Acceptances_ --------- Borrowed Money --------Overdrafts (if any) -------- --------- Liability on Letters of Credit 
 
Other Assets --------------- 
 
--------- 
 
and Acceptances ---------Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$250,971 31 Total --------------------$250,971 31 
 
 FIRST ANNUAL REPORT 
 
527 
 
EXAMI:NEB'S BEPOBT. 
 
BANK OF EMANUEL, SWAINSBORO. 
 
At Close of Business August 25, 1920. 
 
' President-J. L. Carmichael. Vice-President-Jesse Thompson. 
Cashier-W. H. Proctor. Directors-J. L. Carmichael, Geo. B. Young, Jesse Thompson, L. P. Yormans, J. 
N. Yormans, A. W. Jordan, M. H. Blount, Arthur Thompson. 
 
Date of Charter-March 22, 1905. 
 
Began Business~April 3, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$199,559 54 Capital Stock Paid In _______$ 50,000 00 
 
Demand Loans ------------- 33,207 48 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund -------------- 2,500 00 
 
United States Bonds ________ 6,626 31 Undivided Profits ---------- 5,089 97 
 
Other Stocks and Bonds ____ 
 
600 00 Dividends Unpaid ---------- 
 
500 00 
 
Banking House ------------ 34,445 51 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 8,767 83 Due to Banks in other States 
 
Other Real Estate Owned____ 11,711 97 Call Money ---------------- 
 
Due from Banks in this State 17,064 69 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 126,757 30 
 
States ------------------- 
 
490 71 Demand Certificates of Deposit 
 
Currency ------------------ 6,910 00 Time Certificates of Deposit_ 76,096 72 
 
Gold ----------------------- 
 
312 50 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 2,861 38 Trust Funds on Deposit ----- 
 
960 57 
 
Advances on Cotton ________ --------- Cashier's Checks __________ _ 1,445 30 
 
Advances on other Commodities _________ Certified Checks ----------- 
 
283 18 
 
Checks for Clearing House__ 1,331 43 Bills Payable -------------- 80,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers! Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ _________ Borrowed Money --------- 
 
Overdrafts (if any) -------- 10,521 83 Liability on Letters of Credit 
 
Other Assets --------------- 9,997 78 and Acceptances ---------Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
775 92 
 
Total --------------------$344,408 96 Total --------------------$344,408 96 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$202,457 62 Capital Stock Paid In_______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
27,519 21 3,729 70 
 
Amt. Reserved for Branches Surplus Fund ______________, 
 
2,500 00 
 
United States Bonds _______ 
 
798 02 Undivided Profits __________ _ 4,087 85 
 
Other Stocks and Bonds ____ Banking House ____________ 
 
600 00 Dividends Unpaid ---------34,445 51 Due to Banks in this State __ 
 
500 00 9 10 
 
Furniture and Fixtures_____ 8,767 83 Due to Banks in other States 
 
Other Real Estate Owned____ 11,177 52 Call Money ---------------- 
 
Due from Banks in this State 3,871 74 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 139,028 88 
 
States ------------------- 
 
821 65 Demand Certificates of Deposit 
 
Currency ------------------ 5,252 00 Time Certificates of DeposiL 56,589 74 
 
SGiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
347 50 Savings Deposits ----------1,485 80 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton _______ _ 27,260 89 Cashier's Checks __________ _ 
 
Advances on CountyWarrants 3,717 53 Certified Checks __________ _ 
 
Checks for Clearing House__ ________ _ Bills Payable _____________ _ 85,000 00 
 
Other Checks and Cash Items 
 
782 96 Notes and Bills Rediscounted 2,500 00 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ ________ _ Borrowed Money --------- 
 
Overdrafts (If any) -------- 8,966 91 Liability on Letters of Credit 
 
Other Assets --------------- ________ _ and Acceptances ---------- 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$342,004 39 Total --------------------$342,004 39 
 
 5.28 
 
BANKING DEPARTJ\iENT 
 
EXAMINER'S REPORT. 
CENTRAL BANK, SWAINSBORO. 
At Close of Business Octobe.r 18, 1920. 
President-J. G. Mason. Vice-President-A. S. Bradley, Cashier-R. A. Flanders. Directors--.J. G. Mason . W. W. Curl, R. A. Flande;rs, J. R. Powell, Jr., I. N. Rountree, A. S. Bradley, J. N. Youmans. 
Date of Charter-October 27, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ ________ _ Capital Stock Paid In_______ $ 25,000 00 Demand Loans _____________________ _ Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 
 
United States Bonds ______ Other Stocks and Bonds_____ 
 
_ _______ _ _ _______ _ 
 
UDnivdiidveinddeds PUrnopfaitisd -_-_-_-_-_-_-_-_-_--_ 
 
Banking House ------------- ________ _ Due to Banks in this State __ 
 
Furniture and Fixtures______ ________ _ Due to Banks in other States Other Real Estate Owned____ _________ Call Money ---------------Due from Banks in this State ________ _ Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 
 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
 
_2_5_,0_0__0__00_ 
 
Demand Certificates of Deposit Time Certificates of DeposiL 
 
Gold ________:_______________ --------- Savings Deposits ----------Silver, Nickels, Pennies_____ ________ _ Trust Funds on DeposiL ___ _ 
 
Advances on Cotton ________ ________ _ Cashier's Checks ------~--Advances on other Commodities ________ _ Certified Checks __________ _ Checks for Clearing House__ ________ _ Bills Payable _____________ _ 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 
 
Customers, Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptanoos_ _________ Borrowed Money ________ _ 
 
Overdrafts (if any) ________ --------- Liability on Letters of Credit Other Assefs --------------- _________ and Acceptances ________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$ 25,000 00 Total --------------------$ 25,000 00 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 21,253 32 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 
 
Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _____ _ Other Stocks and Bonds ____ _ 
 
Surplu~ Fund -------------Undivided Profits ----------750 00 Dividends Unpaid _________ _ 
 
1,721 47 
 
Banking House ------------- 
 
Due to Banks in this State __ 
 
Furniture and Fixtures ____ _ 4,937 89 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 10,370 79 Individual Deposits Subject 
 
Due from Banks in other CuSrtraetnecsy -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
to Check ------------------ 17,712 38 5,126 12 Demand Certificates of Deposit 1,636 00 Time Certificates of DeposiL 
 
SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s--__-_-_- _ Advances on Cotton________ _ Advances on otherCommodities Checks for Clearing- House__ 
 
10 00 285 73 
76 00 
 
Saving-s Deposits ----------Trust Funds on DeposiL ___ _ Cashier's Checks ----------Certified Checks __________ _ Bills Payable _____________ _ 
 
12 00 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted 
 
Customers! Liability on Letters 
 
Certifica.tes of Deposit for 
 
of Credit and Acceptances_ 
 
Borrowed Money ________ _ 
 
Overdrafts (if any) -------Other Assets --------------- 
 
Liability on Letters of Crredit and Acceptances ________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$ 44,445 85 Total ____________________ $ 44,445 85 
 
 FIRST ANNUAL REPORT 
 
529 
 
EXAMilii'EB'S BEPOB'r. 
 
CITIZENS BANK, SWAINSBORO. 
 
At Close of Business August 23, 1920. 
 
President-J. A. Coleman. Vice-President-F. C. Branan. Cashier-Frank Mitchell. 
 
Directors-J. A. Coleman, F. C. Branan, H. G. Johnson, G. F. Flanders, Otis G. 
 
Price, Frank Mitchell. 
 
Date of Charter-November 10, 1900. 
 
Began Business-November 10, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$113,602 37 
 
Demand Loans ------------- _________ 
 
Loans Secured by Real Estate _________ 
 
United States Bonds________ 9,000 00 
 
Othe'r Stocks and Bonds_____ _________ 
 
Banking House ____________ 7,864 61 
 
Furniture and Fixtures_____ 1,996 40 
 
Other Real Estate Owned____ 
 
642 57 
 
Due from Banks in this State 131,961 52 
 
Due from Banks in other 
 
States ------------------- 9,629 26 
 
Currency ------------------ 3,758 00 
 
Gold ----------------------- 1,282 50 
 
Silver, NickE'ils, Pennies_____ 3,206 26 
 
Advances on Cotton ________ _________ 
 
Advances on othe;rCommodities _________ 
 
Checks for Clearing House__ 
 
612 90 
 
Other Checks and Cash Items _________ 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any) ________ --------- 
 
Other Assets --------------- 146,779 05 
 
Capital Stock Paid In_______ $ 24,100 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 30,000 00 
 
Undivided Profits ----------- 8,190 55 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------- 
 
Individual Deposits Subject 
 
to Check ----------------- 322,308 03 
 
Time Certificates of DeposiL 39,967 32 Savings Deposits ----------- _____L __ _ 
 
Trust Funds on DerposiL ___ _ 2,085 41 
 
Cashier's Checks ----------- 3,047 37 
 
Certified Checks ----------- 
 
Bills Payable -------------- 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- --------- 
Liability on Letters of Oredit 
 
and Acceptances --------- 
 
Reserve for Interest and 
 
Taxes ---------------1---- 
 
447 54 
 
0ther Liabilities ----------- 
 
279 02 
 
Total --------------------$430,335 44 Total --------------------$430,335 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
.Time Loans ----------------$160,923 00 Capital Stock Paid In _______$ 24,100 00 
 
Demand Loans ------------- 1,525 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 13,175 66 Surplus Fund -------------- 30,000 00 
 
United States Bonds ________ _________ Undivided Profits ----------- 7,987 15 
 
Other Stocks and Bonds_____ _________ Dividends Unpaid ---------- --------- 
 
Banking House ------------ 7,864 61 Due to Banks in this State__ --------Furniture and Fixtures_____ 1,996 40 Due to Banks in other States ________ _ 
 
Other Real Estate Owned____ 
 
642 57 Call Money ---------------- ________ _ 
 
Due from Banks in this State 31,807 03 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ----------------- 234,711 10 
 
States ------------------- 9,196 15 Demand Certificates of Deposit ________ _ 
 
Currency ------------------ 6,034 00 Time Certificates of DeposiL 37,863 73 
 
Gold ----------------------- 1,285 00 Savings Deposits ----------- --------Silver, Nickels, Pennies_____ 2,584 11 Trust Funds on Deposit_ ____ -----~--- 
 
Advances on Cotton_________ 10,665 00 Cashier's Checks ----------- 2,849 63 
 
Advances on othe<rCommodities _________ Certified Checks ------------ --------- 
 
Checks for Clearing House__ _________ Bills Payable -------------- --------- 
 
Other Checks and Cash Items 
 
813 08 Notes and Bills Rediscounted ________ _ 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Cred-it and Acceptances_ _________ Borrowed Money --------- --------- 
 
Overdrafts (if any) -------- _________ Liability on Letters of Ciredit 
 
Other Assets: 
 
and Acceptances _________ --------- 
 
U. S. Certificates of Indebted- 
 
Resmve for Interest and Taxes --------- 
 
ness --------------------- 80,000 00 Other Liabilities ___________________ _ 
 
Total --------------------$337,511 61 Total --------------------$33~511 6f 
 
 530 
 
BANKING DEPARTMENT 
 
E:XAMINEB.'S B.EPOB,'l'. 
 
EXCHANGE BANK, SYCAMORE. 
At Close of Business September 15, 1920. 
 
President-D. W. Smith. Vice-President-C. L. Ray. Cashier-C. P. Kemp. 
 
Directors-D. W. Smith, C. L. Ray, Jno. T. Moore, L. N. Little, A. H. Henderson, 
 
Jno. C. Wynn. 
 
Date of Charter-March 18, 1918. 
 
Began Business-March 18, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$ 89,134 85 
Demand Loans ---------------- 4,000 00 Loans Secured by Real Estate 3,000 00 United States Bonds _________ _ Other Stocks and Bonds______ _ 
 
Banking House --------------- 3,500 00 Furniture and Fixtures._______ _ 2,095 00 Other Real Estate Owned _____ _ 
 
Due from Banks in this State __ 18,030 43 Due fJ"om Banks in other States 2,320 86 
 
Currency ---------------------GSiollvder-, --N-i-c-k-e--ls-,--P--e-n-n--ie-s-_-_-_-_-_-_-_Advances on Cotton___________ _ 
Advances on other Commodities Checks for Clearing House ___ _ Other Checks and Cash Items Customers' Liabilaty on Letters 
of Credit and Acceptances__ 
 
2,880 00 570 00 72'3' 71 
10,647 67 
464 45 2{)5 64 
 
Overdrafts (if any)------------ 190 77 
 
Other Assets ------------------ 2,800 47 
 
Capital Stock Paid In__________$ 1o,OUO 00 
 
Amount Reserved for Branches --------- 
 
Surplus Fund ---------------- 3,000 00 Undivided Plrofits ------------- 1,567 49 
 
Dividends Unpaid ------------ --------Due to Banks in this State____ --------- 
 
Due to Banks in other States__ -------- 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 44,23"3' 77 Demand Certificates of Deposit --------Time Certificates of Deposit___ 76,719 74 
 
Savings Deposits -------------- --------- 
 
Cashier's Checks -------------- 
 
42 85 
 
Certified Checks -------------- --------- 
 
Bills Payable ------------------ --------Notes and Bi!ls Rediscounted__ --------Certificates of Deposit for Bor- 
 
rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------- 
 
Other LiabilHies ------------- --------- 
 
Total ------------------------$140,563 85 Total ------------------------$140,5ml p- 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __:.________________$ 85,439 95 
 
Demand Loans ---------------- 5,921! 00 Loans ,secured by Real Estate 1,800 00 
 
UOnthiteerdSStotactkess aBnodndBson-d--s-_-__-_-_-_--_ 
 
F~ukrinintugreHaonudse F-i-x-t-u-r-e-s-.-_-_-__-_-_-_--_ 
 
3,500 00 2,295 00 
 
Other Real Estate Owned____ _ 
 
Due from Banks in this State__ 15,839 85 
 
Due from Banks in other States 1,277 86 
 
Currency ---------------------- 3,717 00 
 
GSiollvder-, --N-i-c-k-e--ls-,--P--e-n-n--ie-s--_-__-_-_-_--_ Advances on Cotton_________ _ 
 
605 ()0 
910 11 1,230 48 
 
Advances on other Commodities 
 
Checks for Clearing House ___ _ 
 
Other Checks and Cash Items 1,029 86 
 
Customers' LiabiLity on Letters 
 
of Credit and Acceptances __ 
 
Overdrafts (if any)------------ 
 
21 46 
 
Other Assets ------------------ 2,795 00 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches --~----- Surplus Fund ----------------- 3,000 00 Undivided Profits ------------ 371 68 [D)iuveidteondBsanUkns pianidthi-s--S-t-a-t-e-_-_-_-_- -_-_-__-_-_-_-_--_ 
 
Due to Banks in other States__ --------- 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 35,867 65 
 
Demand Certificates of Deposit Time Certificates of DeposiL_ 
 
71~85i(o3 
 
Savings Deposits ______________ --------- 
 
Trust Funds on DeposiL_______ --------Cashier's Checks ______________ 2&9 21 
 
Certified Checks -------------- --------Bills Payable ------------------ --------Notes and Bills Rediscounted__ --------Certificates of Deposit for Bor- 
,rowed Money ---------------- ________ _ Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabi!.ities -------------- --------- 
 
Total ------------------------$126,a,sz 5c Total ------------------------$126,383 57 
 
 FIRST ANNUAL REPORT 
 
531 
 
EXAMINER'S B.EPOB.T. 
 
PLANTERS BANK, SYCAMORE. 
 
At Close of Business August 29, 1920. 
 
President-C. T. Maddox. Vice-President-B. E. Smith. Cashier-A. J. Biles. 
 
Directors-C. T. Maddox, B. E. Smith, D. W. Byrd, L. W. Green, J. R. Hardy, 
 
R. T. Mauldin, L. C. Owen. 
 
Date of Charter-May 13. 1914. 
 
Began Business-May 2, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -------------------$104,374 87 
 
Demand Loans ---------------- 17,92"5 00 
 
Loans Secured by Real Estate 10,000 00 
 
United Htates Bonds __________ --------- 
 
Other Stocks and Bonds______ -------- 
 
Banking House ---------------- --------Fu=iture and Fixtures________ 1,500 00 Other Real Estate Owned ____ _ Due from Banks in this state__ -s~o'P.i-92 
 
Due from Banks in other States 5,911 14 
 
Cunrency ---------------------- 2,895 00 
 
GSiollvder-, --N--ic-k-e--ls-,---P-e-n-n-i-e-s-_-_-_-_-_-_-_- 
 
85 00 231 28 
 
Advances on Cotton____________ --------- 
 
Advances on other Commodities Checks for Clearing House____ 
 
-i2!i7-56 
 
Other Checks and Cash Items 161 85 
 
Customers' Liability on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any)------------ 1,339 27 
 
Other Assets ----------------- --------- 
 
Capital Stock Paid In__________ $ 15,000 00 
 
Amount Reserved for Branches 
 
Surplus Fund ------------------ 15,000 00 Undivided Pirofits ------------- 3,449 54 
 
Dividends Unpaid -----------Due to Banks in this State___ _ 
 
Due to Banks in other States__ 
 
Call Money ------------------Individual Deposits Subject to 
 
Check ----------------------- 49,006 69 Demand Certificates of Deposit 
 
Time Certificates of Deposit_ __ 20,786 81 
 
Savings Deposits -------------Cashier's Checks -------------- 
 
463 82 
 
Certified Checks -------------Bills Payable ------------------ 50,000 00 Notes and Bills Rediscounted__ 
 
Certificates of Deposit for Bor- 
 
,rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$153,766 89 Total ------------------------$153,766 8~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABiLITIES 
 
Time Loans -------------------$ 86,791 30 
Demand Loans ---------------- 13,355 00 Loans Secured by Real Estate 8,030 20 United States Bonds _________ _ 
 
Other Stocks and Bonds_____ _ 
 
Banking House ---------------Furndture and Fixtures_______ _ 1,500 00 Other Real Estate Owned____ _ 
 
Due from Banks in this State__ 5,9:15 60 
 
Due from Banks in other States 2,991 29 
 
Currency ---------------------- 2,099 00 
 
GSiolvlder-, --N--ic-k--e-ls-,---P-e--n-n-i-e-s-_-__-_-_-_--_ Advances on Cotton___________ _ 
 
85 00 
242 10 10,211 18 
 
Advances on other Commodities 2,041 75 Checks for CleaTing House ___ _ 657 68 
 
Other Checks' and Cash Items 167 93 
 
Customers' Liabillity on Letters 
 
of Credit and Acceptances__ 
 
Overdrafts (if any)------------ 416 27 
 
Other Assets ------------------ 
 
Capital Stock Paid in _________ $ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund ------------------ 15,000 00 Undivided Profits. ------------- 2,988 29 
 
Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States__ 
 
Call Money ------------------Individual Deposits Subject to 
 
Check ----------------------- 42,7I2 92 
 
Demand Certificates of Deposit Time Certificates of Deposit_ __ 
 
-1-(284-57 
 
Savings Deposits -------------Trust Funds on Deposit_ ______ _ 
 
Cashier's Checks -------------- 538 52 Certified Checks -------------Bills Payable ------------------ 40,00(J 00 Notes and Bills Rediscounted __ 
 
Certificates of Deposit for Bor- 
 
,rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabiiities -------------- 
 
Total ------------------------$134,524 
 
Total -----------------------$134,524 30 
 
 532 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, SYLVESTER. 
 
At Close of Business August 28, 1920. 
 
President-D. H. Powell. Vice-President-G. \V. O'Neil. Cashier-H. C. Camp. 
 
Directors-D. H. Powell, G. W. Price, J. \V. Spring. 
 
Date of Charter-August 2, 1911. 
 
Began Business-September 1, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$333,692 19 Capital Stock Paid In _______ $ 42,000 00 
 
Demand Loans ------------- 7,486 50 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ Other Stocks and Bonds_____ 
 
________ _ 2,000 00 
_ _______ _ 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------- 
 
12,244 67 
 
Banking House ------------ 8,214 37 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 4,014 811 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 86,500 00 
 
Due from Banks in this State 15,993 09 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
7,946 20 3,499 00 
 
D et om aCnhdeCc ke r -t i-f-i c-a-t-e-s-o-f- D- -e-p-o-s-i-t Time Certificates of Deposit_ 
 
66,557 55 (4-5~537-67 
 
GSiollvder-, -N--i-c-k-e-ls-,--P-e--n-n-ie-s--__-_-_--_ 
 
240 00 Savings Deposits ----------- 8,926 60 
 
685 55 Cashier's Checks ----------- 
 
138 01 
 
Advances on Cotton -------- ________ _ Certified Checks ------------ 
 
Advances on other Commodities Checks for Clearing House__ 
 
________ _ _ _______ _ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
30,000 00 
 
Other Checks and Cash Items ________ _ Certificates of Deposit for 
 
Customers' Liability on Letters 
 
Borrowed Money --------- 
 
of Credit and Acceptances_ ________ _ Liability on Letters of Credit 
 
Overdrafts (if any) _______ _ 
 
633 62 and Acceptances ________ _ 
 
Other Assets --------------- 3,274 80 Reserve for Interest and Taxes Other Liabilities ----------- 2,484 05 
 
Total --------------------$394,388 55 Total --------------------$394,388 55 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$179,525 20 Capital Stock Paid In_______$ 42,000 00 
 
Demand Loans -----------Loans Secured by Real Estate United States Bonds, ________ Other Stocks and Bonds_____ Banking House ------------ 
 
13,273 48 69,500 00 
3,232 00 ________ _ 
8,214 37 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ 
 
12,776 13 
 
Furniture and Fixtures_____ 4,112 88 Due to Banks in other States Other Real Estate Owned____ ________ _ Call Money ---------------- 17,000 00 Due from Banks in this State 16,296 86 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 66,333 74 
 
States ------------------- 2,834 64 Demand Certificates of Deposit 10,500 00 
 
Currency -----------------GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-ie--s -__-_-_--_ Advances on Cotton ________ 
 
3,530 00 145 00 
_ _ _ _9_0 _2 _ _90_ 
 
Time Certificates of Deposit_ 147,543 Savings Deposits __________ _ 8,580 Trust Funds on Deposit ___ _ 
 
Cashier's Checks ----------- 
 
283 
 
07 99 
02 
 
Advances on other Commodities ________ _ Certified Checks ------------ 
 
Checks for Clearing House __ 2,318 22 Bills Payable -------------- 
 
Other Checks and Cash Items ---------- Notes and Bills Rediscounted 
 
Cus-tomers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ _________ Borrowed Money --------- 
 
Overdrafts (if any) _______ _ 1,131 40 Liability on Letters of Oredit 
 
Other Assets --------------- --------- and Acceptances _________ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$305,016 95 Total --------------------$305,016 9P 
 
 FIRST ANNUAL REPORT 
 
533 
 
EXAMINER'S B.EPOB.T. 
 
SYLVESTER BANKING COMPANY, SYLVESTER. 
 
At Close of Business August 16, 1920. 
 
Bresident-T. C. Jeffords. Vice-President-C. \V. Hillhouse. Cashier-J. H. vVestberry. 
Directors-'!'. C. Jeffords, C. W. Hillhouse, Chas. H. Hillhouse, G. F. Alford, R. A. Coram, W. G. Ford, J. H. Westberry. 
 
Date of Charter-July 5, 1898. 
 
Began Business-July, 1898. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$507,308 79 Capital Stock Paid In_______ $100,000 00 
 
Demand Loans ------------- 9,906 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 44,000 00 United States Bonds ________ 3,200 00 Undivided Profits ---------- 22,527 45 
 
Other Stocks and Bonds_____ _________ Dividends Unpaid ---------- 
 
75 00 
 
Banking House ------------- 11,000 00 Due to Banks in this State__ --------Furniture and Fixtures _____ 5,000 00 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ----------------- --------Due from Banks in this State 84,725 61 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 373,051 72 
 
States ------------------- 38,509 84 Demand Certificates of Deposit --------- 
 
Currency ------------------ 8,990 00 Time Certificates of Deposit_ 108,599 12 
 
Gold ------,----------------- 
 
915 00 Savings Deposits ----------- --------- 
 
Silver, Nickels, Pennies_____ 2,617 59 Cashier's Checks ----------- 
 
985 85 
 
Advances on Cotton -------- 
 
474 00 Certified Checks ----------- 
 
138 56 
 
Advances on othetr Commodities _________ Bills Payable -------------- --------- 
 
Checks for Clearing House__ 
 
238 86 Notes and Bills Rediscounted 30,000 00 
 
Other Checks and Cash Items 7,000 00 Certificates of Deposit for 
 
Customers' Liability on ,Letters 
 
Borrowed Money --------- --------- 
 
of Credit and Acceptances_ --------- Liability on Letters of Co-edit 
 
Overdrafts (if any) -------- --------- and Acceptances --------- --------Other Assets --------------- _________ Reserve for Interest and 
 
Taxes ------------------Other Liabilities ----------- 
 
621 16 73 
 
Total --------------------$679,999 69 Total --------------------$679,999 69 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 66,399 96 Capital Stock Paid In _______ $100,000 00 
 
Demapd Loans ------------- 
 
Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 
 
Surplus Fund -------------- 44,000 00 
 
Estimated --------------- 339,460 00 Undivided Profits ---------- 16,787 04 
 
United States Bonds -------Other Stocks and Bonds____ _ 
 
1,900 00 Dividends Unpaid ---------- --------Due to Banks in this State__ --------- 
 
Banking House ------------- 11,000 00 Due to Banks in other States ________ _ 
 
Furniture and Fixtures ____ _ Other Real Estate Owned___ _ 
 
5,000 00 Call Money ----------------- --------Individual Deposits Subject 
 
Due from Banks In this State 97,487 23 ,to Check----------------- 243,059 22 
 
Due from Banks in other 
 
Demand Certificates of Deposit --------- 
 
States ------------------- '11,530 54 Time Certificates of Deposit_ 135,465 49 
 
Currency -----------------GS iollvde r ,- -'-N-i-c-k-e-l s-,- -P- -e -n-n-i -e-s _-_-_-_- _- 
 
11,729 00 Savings Deposits ----------- --------987 50 Trust Funds on Deposit ____ --------- 
2,454 24 Cashier's Checks ----------- 14,143 45 
 
Advances on Cotton, pro Ship- 
 
Certified Checks. ------------ 
 
182 35 
 
A dpvianngc e-s- -o-n- -C- -o-t t-o-n-,- -H- -e-l d- _-_- _- 
 
26,371 96 Bills Payable --~---------- 29,000 00 Notes and Bills Rediscounted 
 
30,000 00 12,350 00 
 
Checks for Clearing House __ 1,914 59 Certificates of Deposit for 
 
Other Checks and Cash Items 
 
Borrowed Money --------- --------- 
 
Customers' Liability on Letters 
 
Liability on Letters of Credit 
 
of Credit and Acceptances_ 
 
and Acceptances --------- --------- 
 
Overdrafts (if any) -------- 
 
Reserve for Interest and Taxes 4,715 19 
 
Other Assets --------------- 
 
Other Liabilities: Unearned Interest ---------- 4,532 28 
 
Total --------------------$605,235 02 Total --------------------$605,235 02 
 
. - 
 
 534 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.'l'. 
 
BANK OF TALBOTTON, TALBOTTON. 
 
At Close of Business October 5, 1920. 
 
President-R. G. Jorda;n. Vice-President-A. J. Pern-yman. Cashier-J. W. Jordan. 
 
Directors-R. G. Jordan, J. B. [)ougla;s, A. J. PerrYman, D. B. Searcy, J. W. 
 
Jordan, L. W. Smith. 
 
Date of Charter-August 16, 1906. 
 
Began Business-December 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$197,294 87 Capital Stock Paid In_______$ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
16,129 65 58,796 53 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-1-7~500-00 
 
United States Bonds -------- 16,350 00 Undivided Profits ---------- 235 13 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- 4,519 91 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 3,096 90 Due to Banks in other States 
 
Other Real Estate Owned____ 
 
700 00 Call Money ----------------- 
 
Due from Banks in this State 11,421 80 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 72,326 25 
 
States ------------------- 3,515 40 Demand Certificates of Deposit 662 50 
 
Currency ------------------ 2,329 00 Time Certificates of Deposit_ 167,221 27 
 
Gold ----------------------- 
 
136 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies_____ 1,007 21 Trust Funds on Deposit ___ _ 
 
Advances on Cotton_________ 7,094 73 Cashier's Checks __________ _ 2,165 38 
 
Advances on other Commodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ --------- Bills Payable-------------- 35,000 00 
 
Other Checks and Cash Items 1,016 63 Notes and Bills Rediscounted 
 
Customers' Liability on Letters. 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ --------- Borrowed Money --------- 
 
Overdrafts (if any) -------- --------- Liability on Letters of CJ'edit 
 
Other Assets: 
 
and Acceptances --------- 
 
War Savings Stamps ------- 
 
422 00 Reserve for Interest and Taxes 
 
Other Liabilities ----------- 3,720 10 
 
Total --------------------$323,830 63 Total --------------------$323,830 63 BANK'S STATEMENT at Close of Business December l!i, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$170,760 09 Capital Stock Paid In_______ $ 25,000 00 Demand Loans ------------- 19,535 22 Amt. Reserved for Branches Loans Secured by Real Estate 45,000 00 Surplus Fund -------------- 17,500 00 
 
United States Bonds -------- 6,972 00 Undivided Profits ----------- 
 
863 46 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------Banking House ------------- 4,519 91 Due to Banks in this State __ Furniture and Fixtures_____ 3,096 90 Due to Banks in other States 
 
967 63 
 
Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GSiolvlder-, --N-i-c-k-e-l-s,--P--e-n-n-ie-s-.-_-_-_-_- 
 
700 00 --------- 
-----------------_-_-_-_-__-_-_- -_ 
 
Call Money ----------------- 
 
Individual Deposits Subject 
 
Detmo aCnhdeOckert-i-f-ic-a-t-e-s-o-f--D-e-p-o-s-i-t 
 
71,188 964 
 
7079 
 
Time Certificates of Deposit_ 161,171 01 
 
Savings Deposits ----------Trust Funds on Deposit ___ _ 
 
Advances on Cotton -------- 3,933 86 Cashier's Checks ----------- 
 
495 96 
 
Advances on otheO'Commodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ --------- Bills Payable -------------Other Checks and Cash Items 1,535 22 Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Cre<iit and Acceptances_ --------- Borrowed Money --------Overdrafts (if any) -------- --------- Liability on Letters of C~edit 
 
Other Assets --------------- --------- and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total -----+-------------$278,150 92 Total --------------------$278,150 92 
 
 FIB,ST ANNUAL REPORT 
 
535 
 
E:XAMINEB'S BEPOBT. 
 
PEOPLES BANK, TALBOTTON. 
 
At Close of Business October 7, 1920. 
 
President-T. H. Persons. Vice-President-E. R. Mathews. Cashier-A. P. Persons. Directors-T. H. Persons, E. H. Spivey, E. L. Bardwell, Jr., Tinsley Ragland, A. 
P. Persons, W. P. Leonard, P. M. Weston, E. R. Mathews, Z. Bickley, C. W. Kimbrough. 
 
Date of Charter-December 3, 1890. 
 
Began Business-January 13, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$143,632 01 Capital Stock Paid In_______$ 25,000 00 
 
DLoemanasndSeLcuoraends b-y--R-e-a-l--E-s-t-a-te- 
 
_1_1_,_8_5_5__23_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-15~000-00 
 
United States Bonds -------- 10,450 00 Undivided Profits ----------- 13,784 67 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------- 
 
15 00 
 
Banking House ------------- 4,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures_____ 1,044 00 Due to Banks in other States 
 
Other Rea! Estate Owned____ --------- Call Money ----------------- 
 
Due from Banks in this State 24,670 12 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
6,921 76 DetomaCnhdeCcker-ti-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 57,042 63 
 
Currency ------------------ 4,115 00 Time Certificates of Deposit_ 80,251 85 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
317 50 Savings Deposits ----------868 09 Trust Funds on Deposit ___ _ 
 
Advances on Cotton_________ 4,347 09 Cashier's Checks ----------- 
 
233 98 
 
--------.- Advances on other Commodities ________ _ Certified Checks ------------ 
 
Checks for Clearing House__ 
 
366 29 Bills Payable -------------- 25,000 00 
 
Other Checks and Cash Items 
 
88 52 Notes and Bills Rediscounted 
 
Customers' Liability on Letters. 
 
Certificates of Deposif for 
 
of Credit and Acceptances_ --------- Borrowed Money --------- 
 
Overdrafts (if any) -------- ---------' Liability on Letters of Oredit 
 
Other Ass.ets: 
 
and Acceptances --------- 
 
War Savings Stamps ------- 
 
417 00 Reserve for Interest and Taxes 
 
County Warrants ---------- 3,235 52 Other Liabilities ----------- 
 
Total ____________________$216,328 13 Total --------------------$216,328 13 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 
Demand Loans ------------- 
 
67,652 56 7,586 91 
 
Capital Stock Paid In_______$ 25,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
51,344 45 10,695 00 
 
US unrdpi vl ui ds e dF uPnrdo f i-t-s- _-_-_-_-_-_-_-_-_-_- -_ 
 
15,000 00 13,482 54 
 
Other Stocks and Bonds ____ _ 
 
Dividends Unpafd ---------- 
 
15 00 
 
Banking House ------------- 4,000 00 Due to Banks in this State__ Furniture and Fixtures____ _ 1,044 00 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ----------------- 
 
Due from Banks in this State 35,320 81 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i-e-s -_-_-__- -_ 
 
to Check ---------------4,759 61 Demand Certificates of Deposit 3,527 00 Time Certificates of DeposiL 
320 00 Savings Deposits ----------1,091 85 Trust Funds on Deposit_ ___ _ 
 
53,513 72 77,050 74 
 
Advances on Cotton _______ _ 302 52 Cashier's Checks __________ _ 
 
62 92 
 
Advances on other C'ommodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f o- -r - -C-le-a-r-in-,-;;--- -H-o-u- s-e-_-_- 
 
516 84 Bills Payable -------------- 5,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items Customers' Liability on Letters 
 
497 46 Certificates of Deposit for Borrowed NJ:oney ________ _ 
 
of Credit and Acceptances_ Overdrafts (if any) -------- 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Other Assets: CWoaurp oSnasv i n- -g-s- -S-t-a-m-p- -s - -- -- -- -- -- -- -- 
 
Reserve for Interest and Taxes 
 
4R 417 
 
9o1c 
 
l)ther Liabilities __________ _ 
 
Total --------------------$189,124 92 Total --------------------$189,124 92 
 
 t 
 
536 
 
BANKING DEPAUTMENT 
 
------------------------------------------------------ 
 
EX:AMIJ!II"EB.'S B.EPOB.T. 
 
BANK OF TALLAPOOSA, TALLAPOOSA. 
 
At Close of Business November 10, 1920. 
 
President-W. W. Heaton. Vice-President-J. C. Tumlin. Cashie.r-J. E. Davis. 
 
Di.rectors-W. W. Heaton, J. C. Tumlin, J. E. Davis, A. L. Jackson, H. A. Jack- 
 
son, W. A. Miller, Robt. L. McMahan. 
 
Date of Charter-August 31, 1908. 
 
Began Business-September 9, 1908. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$267,729 36 
 
Demand Loans ---------------- 82,696 24 Loans Secured by Real Estate 38,656 10 
 
United States Bonds__________ 8,700 00 
 
Other Stocks and Bonds______ 2,500 00 Banking House ________________ 5,000 00 
Furniture and Fixtures________ 2,521: or 
 
Other ll,eal Estate Owned______ 1,500 00 
 
Due ~rom Banks in this State__ 309 21 
 
Due ~rom Banks in other States 7,175 3F 
 
Currency ---------------------- 5,432 00 
 
Gold --------------------------- -----..- _ Silver, Nickels, Pennies_______ 1,697 60 
 
Advances on Cotton____________ 50,578 88 
 
Advances on other Commodities 676 87 
 
Checks for Clearing House____ 652 39 
 
Other Checks and Cash Items 1,3'37 34 
 
Customers' Liabi!Hy on Letters 
 
~f Credit and Acceptances__ ________ _ 
 
Overdrafts (if any)------~----- 
 
887 06 
 
Capital Stock Paid in ---------$ 25,000 00 Amount Reserved for Branches --------Surplus Fund ---------------- 50,000 00 Undivided Profits ------------ 522 90 Dividends Unpaid ------------ --------Due to Banks in this State____ --------Due to Banks in other States__ --------- 
Call Money ------------------- --------Individual Deposits Subject to 
C'heck ---------------------- 146,294 24 Demand Certificates of Deposit --------Time Certificates of DeposiL_ 117,323 45 Savings Deposits -------------- 35,746 69 Trust Funds on Deposit________ --------Cashier's Checks ______________ 570 73 Certified Checks ______________ 1,500 00 
Bills Payable ---------------- 90,0000 00 Notes and Bills Rediscounted__ 11,096 89 Certificates of Deposit for Bor- 
,rowed Money ---------------- --------Liability on Letters of Credit 
and Acceptances ------------ --------Reserve for Interest and Taxes --------Other Liabilities -------------- --------- 
 
Total ------------------------$478,0;)4 ~r Total ------------------------$478,054 90 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LikBILITIES 
 
Time Loans ------------------$247,023 71 
 
Demand Loans ---------------- 92,697 55 Loans Secured by Real Estate 29,882 24 United States Bonds__________ 4, 700 00 
 
Other Stocks and Bonds_______ 2,500 00 
 
Banking House --------------- 5,000 00 Furniture and Fixtlllres________ 2,526 50 
 
Other Real Estate Owned______ 1,500 Or 
 
Due from Banks in this State__ 17,542 16 
 
Due from Banks in other States 724 04 
 
Cunrency ---------------------- 5,998 00 
 
Gold --------------------------- 
 
1U 00 
 
Silver, Nickels, Pennies_______ 1,673 97 
 
Advances on Cotton____________ 47,671 00 
 
Advances on other Commodities 1,460 75 
 
Checks for. Clearing House____ 270 87 
 
Other Checks and Cash Items 
 
47 50 
 
Custome~rS' Liabillity on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts. (if any)------------ 726 41 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ---------$ 25,000 00 Amount Reserved for Branches Surplus Fund ---------------- 50,000 00 Undivided Profits ------------ 1,222 71 Dividends Unpaid -----------Due to Banks in this State___ _ Due to Banks in other States__ 
Call Money ------------------Individual Deposits Subject to 
Check ----------------------- 139,508 27 Demand Certificates of Deposit 1,000 00 Time Certificates of DeposiL_ 109,623 93 STarvuisntgFs uDndeps oosnitsD-e-p-o-s-i-L--__-_-_-_-_--_ 32,820 35 
Cashier's Checks ~------------ 1,579 44 Certified Checks -------------Bills Payable ------------------ 90.000 00 Notes and Bills Rediscounted __ 11,200 00 Certificates of Deposit for Bor- 
rowed Money ---------------Liability on Letters of Credit 
and Acceptances -----------Reserve for Interest and Taxes Other Liabilities -------------- 
 
Total ------------------------$461,954 70 Total ------------------------$461, 95"4 70 
 
 FIRST ANNUAL REPORT 
 
537 
 
EXAMINEB.'S REPORT. 
 
FARMERS & MERCHANTS BANK, TALLAPOOSA. 
 
At Close of Business November 8, 1920. 
 
President-W. W. Summerlin. Vice-President-G. B. E.vans. Cashier-G. W. Tatum. Directors-\V. W. Summe.rlin, G. B. Evans, G. W. Tatum, G. A. Barton, J. L. 
Chandler, I. N. Mit:inck, C. E. Pearce, W. V. Sewell, J. \V. Tumlin, J. J. Thornton. 
 
Date of Charter-December 21, 1908. 
 
Began Business-January 2, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------------$138,442 80 
 
Demand Loans ---------------- 21,370 74 
 
Loans Secured by Real Estate 18,608 89 
 
United States Bonds ---------- --------Other .Stocks and Bonds______ 1,000 00 Banking House _______________ 4,500 00 
 
Furniture and Fixtures ______ 2,565 00 
 
Other Real Estate Owned_____ --------- 
 
Due from Banks in this State__ 3,942 29 
 
Due from Banks in other States 991 07 
 
Currency ---------------------- 3,134 00 
 
Gold -----------------------~--- 
 
17 50 
 
Silver, Nickels, Pennies_______ 192 70 
 
Advances on Cotton____________ 5,479 82 
 
Advances on other Commodities 335 28 
 
Checks for Clearing House____ 1,275 50 
 
Other Cheeks and Cash Items 200 39 
 
Customerrs' LiabiLity on Letters 
 
of Credit and Acceptances__ --------- 
 
Overdrafts (if any)____________ 
 
14 42 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid in ---------$ 25,000 00 Amount Reserved for Branches 
 
Surplus Fund ----------------- 50,000 00 
 
Undiv>ided Profits -------------- 1,004 02 
 
Dividends Unpaid ------------- 
 
~ 00 
 
Due to Banks in this State ___ _ 
 
Due to Banks in other States__ 
 
Call Money ------------------Individual Deposits Subject to 
 
Check ----------------------Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits _____________ _ Trust Funds on Deposit_ ______ _ 
 
57,389 66 
25,972 03 3,287 27 
 
Cashier's Checks -------------- 1,033 9'1 
 
Certified Checks -------------Bills Payable ------------------ 75,000 00 Notes and Bills Rediscounted __ 8,379 51 
 
Certificates of Deposit for Bor- 
 
,rowed Money ---------------Liability on Letters of Credit 
 
and Acceptances -----------Reserve for Interest and Taxes 
 
Other Liabilities -------------- 
 
Total ------------------------$202,070 40 Total ------------------------$202,070 40 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
.LIABILITIES 
 
Time Loans -------------------$148,016 19 Demand Loans ---------------- 19,021 00 Loans Secured by Real Estate ________ _ United States Bonds _ _________ ________ _ 
 
Other Stocks and Bonds_______ 1,000 00 Banking House --------------- 4,500 00 Furniture and Fixtures________ 2,565 00 Other Real Estate Owned_____ ________ _ 
 
Due from Banks in this State__ 8,o47 02 Due from Banks in other States 2,763 48 
 
Culll'ency ---------------------Gold --------------------------Silver, Nickels, Pennies_______ Advances on Cotton____________ 
 
2,960 00 
17 50 857 69 3,899 00 
 
Advances on other Commodities Checks for Clearing House_____ Other Checks and Cash Items 
Customeil's' Liabilrity on Letters of Credit and Acceptances__ 
Overdrafts (if any)____________ 
 
--------________ _ ________ _ 
--------157 7R 
 
Other Assets ------------------ --------- 
 
Capital Stock Paid In__,____,____ $ 25,000 00 
 
Amount Reserved for Branches. --------- 
 
Surplus Fund ----------------- 50,000 00 
 
Undivided Profits ------------- 670 83 
 
Dividends Unpaid ------------ 
 
4 00 
 
Due to Banks in this State____ -------- 
 
Due to Banks in other States__ --------- 
 
Call Money ------------------- --------Individual Deposits Subject to 
 
Check ----------------------- 59,596 12 
 
Demand Cw-tificates of Deposit Time Certificates of Deposit__ 
 
24~iii-o3 
 
Savings Deposits -------------- 2, 758 06 
 
Trust Funds on Deposit_ ______ _ Cashier's Checks -------------- 
 
---361-29 
 
Certified Checks -------------- --------Bill's Paya.ble ------------------ 70,000 00 Notes and Bills Rediscounted__ 6,803 33 Certificates of Deposit for Bor- 
 
.rowed Money ---------------- --------Liability on Letters of Credit 
 
and Acceptances ------------ --------Reserve fOII' Interest and Taxes --------Other Liabilities -------------- ________ _ 
 
Total ------------------------$194,304 66 Total ------------------------$194,304 66 --------------------------~-------------------------- 
 
 r 
! 
 
538 
 
BANKING DEPARTMENT 
 
----------------------------------------------------- 
 
EXAMINER'S REPORT. 
 
BANK OF TAYLORSVILLE, TAYLORSVILLE. 
 
At Close of Business September 14, 1920. 
 
President-W. F. Gaston. Vice-President-J. I. Harris. Cashier-W. M. Dorsey. 
 
Directors-W. F. Gaston, J. I. Harris, J. N. Cochran, 'l'. W. Taylor, W. M. Tripple. 
 
Date of Charter-June 6, 1905. 
 
Began Business-June 13, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$196,815 08 Capital Stock Paid In_______ $ 25,000 00 Demand Loans ------------- 2,560 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------United States Bonds -------- 16,162 00 Undivided Profits ----------Other Stocks and Bonds_____ --------- Dividends Unpaid ---------Banking House ------------- 1,400 00 Due to Banks in this State __ Furniture and Fixtures_____ 2,399 70 Due to Banks in other States 
 
15,000 00 5,093 09 
 
Other Real Estate Owned____ --------- Caii Money ---------------- 42,000 00 Due from Banks in this State 2,091 66 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
15,564 57 
 
D et om aCnhdeCc ke r-t i-f-i c-a-t-e-s-o-f- -D-e-p-o-s-i-t 
 
Total Cash ---------------- 1,339 28 Time Certificates of Deposit_ 
 
Advances on Cotton -------Advances on other Commodities 
 
----------------- 
 
Savings Deposits ----------Trust Funds on Deposit____ _ 
 
Checks for Clearing House__ --------- Cashier's Checks ----------- 
 
59,298 87 35,787 44 
318 50 
 
Other Checks and Cash Items --------- Certified Checks ------------ 
 
Customers' Liability on Letters 
 
Biiis Payable --------------- 20,000 00 
 
Ovoef rdCrraefdtist a(nifd aAncyc)e_p_ta_n__c_e_s__ Other Assets -------------- 
 
--------11 11 
3,584 50 
 
Notes and Biiis Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ Liability on Letters of Crr'edit 
and Acceptances ________ _ 
 
39,430 00 
 
Reserve for Interest and 'l'axes 
 
Other Liabilities ----------- 
 
Total --------------------$241,927 90 Total --------------------$241,927 90 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$154,720 54 Capital Stock Paid In_______$ 25,000 00 
 
Demand Loans ------------- 4,382 10 Amt. Reserved for Branches Loans Secured by Real Estate ________ _ Surplus Fund -------------- 15,000 00 United States Bonds________ 1,247 65 Undivided Profits ---------- 2,504 05 
 
Other Stocks and Bonds_____ --------- Dividends Unpaid ---------Banking House ------------- 1,400 00 Due to Banks in this State__ 
 
Furniture and Fixtures_____ 2,301 12 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Can Money -----.----------- 18,000 00 
 
Due from Banks in this State 5,886 82 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------'Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
to Check ----------------3,050 55 Demand Certificates of Deposit 2, 765 00 Time Certificates of Deposit_ 
40 00 Savings Deposits ----------437 43 Trust Funds on Deposit_ ___ _ 
 
47,060 37 5,000 00 
29,393 23 
 
Advances on Cotton -------- --------- Cashier's Checks ----------- 
 
167 59 
 
Advances on other Commodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ --------- Bills Payable -------------- 20,500 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 15,000 00 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of CredJit and Acceptances_ ________ _ Borrowed Money ________ _ 
 
Overdrafts (if any) -------- 
 
108 50 Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances --------- 
 
Mutual Fire Insurance Fund_ 
 
120 00 Reserve for Interest and Taxes 
 
Profit and Loss ------------ 1,165 53 Other Liabilities ----------- 
 
Total --------------------$177,625 24 Total --------------------$177,625 24 
 
 FIRST ANNUAL REPORT 
 
539 
 
EXAMINER'S REPORT. 
 
THE FARMERS STATE BANK, TEMPLE. 
 
At Close of Business November 27, 1920. 
 
President-W. L. Steadham. Vice-President-Z. T. Adams. Cashier-J. G. Smith. 
 
Directors-W. L. Steadham, J. C. Wells, J. C. McBrayer, Z. T. Adams, J. T. Davis, L. C. Kinney, J. G. Smith, I. C. Walton, R. H. Eady. 
 
Date of Charter-November 22, 1912. 
 
Began Business-March 3, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$205,682 27 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------- 12,406 11 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 5,000 00 
 
United States Bonds________ 
 
100 00 Undivided Profits ---------- 1,840 96 
 
Other Stocks and Bonds_____ _________ Dividends Unpaid ---------- 
 
Banking House ------------- 2,531 38 Due to Banks in th!s State __ 
 
Furniture and Fixtures_____ 2,782 04 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- 16,000 00 
 
Due from Banks ----------- 1,736 80 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 60,379 73 
 
States ------------------- _________ Demand Certificates of Deposit 
 
Currency -----------------GS iollvde r ,- -N- -i-c-k-e-l s-,- -P- -e-n-n-i -e-s -_-_ _- _- -_ 
 
2,546 00 Time Certificates of Deposit 21,054 60 726 00 Savings Deposits __________ _ 30,490 59 629 28 Trust Funds on Deposit_ ___ _ 
 
Advances on Cotton_______ _ 4,473 10 Cashier's Checks __________ _ 
 
195 12 
 
Advances on othe!I'Commodities _________ Certifi.ed Checks ------------ 
 
Checks for Clearing House __ 
 
6 74 Bills Payable -------------- 55,500 00 
 
Other Checks and Cash Items 
 
122 23 Notes and Bills Rediscounted 18,738 50 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of CredJit and Acceptances_ Overdrafts (if any) _______ _ 
 
________ _ 2,268 55 
 
Borrowed Money --------Liability on Letters of Oredit 
 
5,000 00 
 
Other Assets: 
 
and Acceptances --------- 
 
Depositors' Guarantee Fund_ 3,069 00 Resell'Ve for Interest and Taxes 
 
Mutual Fire Insurance Fund_ 
 
120 00 Other Liabilities ----------- 
 
Total -~------------------$239,199 50 Total --------------------$239,199 50 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $208,134 64 
 
Demand Loans ------------- 8,960 97 Loans Secured by Real Estate _________ United States Bonds ______ _________ Other Stocks and Bonds_____ _________ Banking House _____________ 2,531 38 
Furniture and Fixtures ____ ~ 2,782 04 Other Real Estate Owned_____________ Due from Banks in this State 1,668 23 
 
Due from Banks in other States ------------------- 
Currency __________________ 
 
3,193 56 1,701 00 
 
Gold ----------------------- 
 
566 00 
 
Silver, Nickels, Pennies_____ 
 
777 64 
 
Advances on Cotton_________ 3,711 89 
 
Advances on othe!I'Commodities _________ 
 
Checks for Clearing- House ___________ 
 
Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances_ Overdrafts '(if any) ________ Other Assets --------------- 
 
61 96 -------- 
294 56 _________ 
 
Capital Stock Paid In _______ $ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 5,000 00 
 
Undivided Profits ---------- 1,465 22 
 
Dividends Unpaid ---------Due to Banks In this State 
 
Due to Banks in other States 
 
Call Money ---------------- 24,000 00 
 
Individual Deposits Subject 
 
to Check ----------~----- 29,111 98 
 
Demand Certificates of Deposit 30,000 00 Time Certificates of Deposit_ 18,903 93 
 
Savings Deposits _________ _ 28,345 63 
 
Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks ----------- 
 
418 61 
 
Certified Checks ------------ 
 
Bills Payable -------------- 53,500 00 
 
Notes and Bils Rediscounted 18,738 50 
 
Certificates of Deposit for 
 
Borrowed Money ________ _ 
 
Liability on Letters of Oredit 
 
and Acceptances ________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$234,483 87 Total --------------------$234,483 87 
 
 540 
 
BANKING DEPARTMENT 
 
E:X:AMI:N'EB'S BEPOBT. 
 
THE TEMPLE BANKING COMPANY, TEMPLE. 
 
At Close of Business November 29, 1920. 
 
President-W. L. Kinney. Vice-President-G. T. Williams. Cashier-L. F. West. 
 
Directors-W. L. Kinney, J. M. Baxter, W. J. Waddell, J. F. Brooks, G. T. Wil- 
 
liams, D. C. Williams, H. A. Sewell, W. P. Muse. 
 
Date of Charter-September 25, 1903. 
 
Began Business-October 1, 1903. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$235,676 53 Capital Stock Paid In ______$ 45,000 00 Demand Loans ____________ 60,988 43 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 20,000 00 
 
United States Bonds ______ --------- Undivided Profits ----------- --------- 
 
Other Stocks and Bonds____ 6,500 00 Dividends Unpaid ---------- --------Banking House ____________ 4,000 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures______ 3,603 93 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ------------------ ----------Due from Banks____________ 11,549 61 Individual Deposits Subject 
 
Due from Banks in other States ________ _ to Check ---------------- 97,974 63 
 
Currency ------------------ 
 
926 00 Demand Certificates of Deposit --------- 
 
Gold ----------------------Silver, Nickels, Pennies_____ 
 
830 00 Time Certificates of Deposit 50,985 16 919 51 Savings Deposits __________ 8,161 23 
 
Advances on Cotton________ 
 
978 49 Trust FunJs on Deposit_____ --------- 
 
Advances on other Commodities ________ _ Cashier's Checks __________ 
 
600 02 
 
Checks for Clearing House__ 
 
103 00 Certifi.ed Checks ------------ --------- 
 
Other Checks and Cash Items 
 
415 53 Bills Payable -------------- 100,000 00 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted 5,100 00 
 
of Credit and Acceptances_ ________ _ Certificates of Deposit for 
 
Overdrafts (if any)________ 
 
162 21 Borrowed Money --------- ---'------ 
 
Other Assets: 
 
Liability on Letters of Credit 
 
Profit and Loss ___________ ~ 
 
18 60 and Acceptances _____ .. ____ ------- 
 
Collection Account ________ 1,149 20 Reserve for Interest and Taxes --------- 
 
Other L-iabilities __________ --------- 
 
Total ----------------------$327,821 04 'rota! ----------------------$327,821 04 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$210,969 6!'i 
 
Demand Loans ------------ 52,671 56 
 
Loans Secured by Real Estate 24,667 00 United States Bonds________ --------- 
 
Other Stocks and Bonds ____ 6,500 00 
 
Banking House __________... _ ~.000 00 
 
Furniture and Fixtures_____ 3,603 93 
 
Other Real Estate Owned____ --------- 
 
Due from Banks in this State 7,691 57 
 
Due from Banks in other 
 
States ------------------- 3,486 78 
 
Currency ------------------ 
 
479 00 
 
Gold ---------------------- 
 
807 50 
 
Silver, Nickels, Pennies_____ 
 
963 15 
 
Advances on Cotton________ 1, 739 30 
 
Advances on otheJI" Commodities _________ Checks for Clearing House__ _________ 
 
Other Checks and Cash Items 2'.~20 20 
 
Customers' Liability on Letters of Credit and Acceptances_ _________ 
 
Overdrafts (if any)________ 
 
14 66 
 
Other Assets --------------- --------- 
 
Capital Stock Paid In _______ $ 45,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 20,000 00 
 
Undivided Profits _________ _ 
 
125 01 
 
Dividends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ----------------Individual Deposits Subject 
 
to Check ---------------- 7 4,675 88 
 
Demand Certificates of Deposit 
 
Time Certificates of Deposit f\7 .fifi7 J?, 
 
Savings Deposits _________ _ 7,264 68 Trust Funds on DeposiL ___ _ 
 
Cashier's Checks _________ _ 
 
291 31 
 
Certifi,ed Checks -----------Bills Payable _____________ _ 100,000 00 
 
Notes and Bills Rediscounted 5,100 00 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
L.iability on Letters of Credit 
 
and Acceptances ________ _ 
 
ReseJI"ve for Interest and Taxes 
 
Other T,iahilities ---------- 
 
Total --------------------$320,014 30 Total ---------------------$320,014 30 
 
 FIRST ANNUAL REPORT 
 
541 
 
EXAMmEB.'S BEPOB'i". 
FARMERS & MERCHANTS BANK, TENNILLE. 
At Close of Business November 15, 1920. 
 President-H. M. Firanklin. Vice-President-Robt. Davis. Cashier-Paul Shepherd. Directors-H. M. Franklin, J. H. Palmer, Roy Smith, Robt. Davis, C. E. Smith, L. E. Shepherd, Iverson Lo.rd, A. H. Stephens, R. W. Young. 
 
RESOURC,ES 
 
LIABILITIES 
 
Time Loans ----------------$206,473 04 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans ____________ Loans Secured by Real Estate 
 
18,756 3,747 
 
96 80 
 
Amt. Reserved for Branches Surpdus Fund _____________ _ 
 
--5~000-00 
 
United States Bonds________ --------- Undivided Profits ---------- 6,700 72 Other Stocks and Bonds_____ --------- Dividends Unpaid __________ 
 
Banking House "----------- 7,993 96 Due to Banks in this State__ 
 
Furniture and Fixtures______ Other Real Estate Owned____ 
 
1,820 10 ________ _ 
 
Due to Banks in other States Call Money _______________ _ 
 
71,500 00 
 
Due from Banks in this State DuSetatfersom___B__a_n_k_s___i_n___o_th__e_r 
 
8,845 85 IndtoiviCduhaelck D_e_p_o_s_i_ts___S_ u.. _b_j_e_ct_ 81,187 79 5,065 72 Demand Certificates of Deposit 10,000 00 
 
Currency -----------------SGiolvlder, --N--ic-k-e-l-s-.--P--e-n-n-i-e-s-_-__--_ 
 
1,697 00 127 50 
 
CSaavsihnigers's DCephoecsiktss -_-__-_-_-_-_-_-_--_ 
 
627 33 17,236 29 
 
765 64 Trust Funds on De.posiL ___ _ 
 
Advances on Cotton ________ --------- Time Certificates ---------- 11,964 73 
 
Advances on otherCommodities --------- Bills Payable -------------- 16,500 00 Checks for Clearing House __ 2,122 35 Notes and Bills Rediscounted 19,918 47 
 
Other Checks and Cash Items 2,743 61 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Acceptances.. 
 
________ _ 
 
Borrowed Money ________ _ Liability on Letters of CTedit 
 
--....{------ 
 
Overdrafts (if any) _______ _ 1,886 22 and Acceptances ________ _ 
 
Other AsBets: Depositors' Guarantee Fund 
Mutual Fire Insurance Fund_ 
 
Reserve for Interest and Taxes 
3,464 no Other Liabilities ---------- 
120 00 
 
Cash Short ---------------- 
 
5 08 
 
Total --------------------$265,635 33 Total ____________________ $265,635 33 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$197,182 76 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans ____________ Loans Secured by Real Estate 
 
16,382 42 --------- 
 
ASmurtp. luRsesFeurvnedd __fo__r __B_r_a_n_c_h_e_s_ 
 
50,000 00 
 
United States Bonds________ --------- Undivided Profits ---------- Other Stocks and Bonds_____ ________ _ Dividends Unpaid _________ _ 
 
6,630 26 
 
Banking House ____________ 7,993 96 Due to Banks in this State __ 
 
Furniture and Fixtures______ 1,876 26 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ----------------Due from Banks in this State 9,446 90 Individual Deposits Subject 
 
DuSetatfersom___B__a_n_k_s___i_n___o_t_h_e_r Currency ------------------ 
 
to Check ---------------- 121,208 20 
 
136 26 Demand Certificates of Deposit 2,105 00 Time Certificates of Deposit 
 
21.964 n 
 
GSiolvlde.r-, -N--ic-k-e-l-s~. -P--e-n-n-i-e-s-_-_-_-_-_-_ Advances on Cotton ________ 
 
127 50 777 67 ________ _ 
 
Savings Deposits ---------Trust Funds on Deposit____ _ Cashier's Checks _________ _ 
 
16,464 25 691 73 
 
Advances on othecr-Commodities ________ _ Certified Checks ___________ _ 
 
Checks for Clearing House __ 1,014 40 Bills Payable _____________ _ 15,000 00 
 
Other Checks and Cash Items ________ _ Notes and Bills Rediscounted 25,153 80 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit Overdrafts 
 
and Acceptances_ (if any) __________ 
 
----69-84 
 
Borrowed Money -----~- Liability on Letters of Credit 
 
Other Assets _______________ --------- and Acceptances ________ _ 
 
Resecr-ve for Interest and Taxes Other Liabilities _________ _ 
 
Total --------------------$237,112 97 Total --------------------$237,112 97 
 
 542 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
PEOPLES EXCHANGE BANK, TENNILLE. 
 
At Close of Business October 9, 1920. 
 
President-H. M. Bashinski. Vice-Presidents-G. H. Wood, I. A. Smith. Cashier-L. H. Ledford. 
Directors-H. M. Bashinski, G. H. Wood, I. A. Smith, C. V. Smith, J. H. Peacock, B. R. Sessions, L. H. Ledford. 
 
Date of Charter-December 29, 1908. 
 
Began Business-January 13, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$108,590 93 Demand Loans ____________ 24,801 19 
 
Loans Secured by Real Estate 10,988 09 
 
United States Bonds________ 
 
45 72 
 
Other Stocks and Bonds_____ --------- 
 
Banking House ------------- _________ 
 
Furniture and Fixtures______ 2,265 00 
 
Other Real Estate Owned____ --------Due from Banks in this State 104,724 44 
 
Due from Banks in other 
 
States ------------------- 17,503 81 Currency ------------------ 6,541 00 
 
Gold -------~-------------- 
 
750 00 
 
Silver, Nickels, Pennies____ 1,859 81 
 
Advances on Cotton________ 4,851 76 Advances on other Commodities _________ 
 
Checks for Clearing House__ 1,340 07 
 
Other Checks and Cash Items 1,153 89 
 
Customers' Liability on Letters of Credit and Acceptances_ _________ 
 
Overdrafts (if any)________ 
 
20 
 
Other Assets: 
 
War Savings Stamps________ 
 
21 15 
 
Capital Stock Paid In ________ $ 30,000 00 Amt. Reserved for Branches Surplus Fund -------------- --6~000-00 
 
Undivided Profits ---------- 33,325 89 
 
Dividends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ----------------Individual Deposits Subject 
 
to Check ---------------- 200,161 72 
 
Demand Certificates of Deposit Time Certificates of Deposit 15,825 06 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks _________ _ Certified Checks ___________ _ 
 
87 00 
 
Bills Payable -------------- 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Reserve for Interest and Tax0s Other Liabilities___________ _ 
 
44 39 
 
Total --------------------$285,445 06 Total --------------------$285,445 06 BANK'S STATEM1!JNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 95,056 03 Demand Loans ___________ _ 24,518 23 Loans Secured by Real Estate 18,097 11 United States Bonds_______ _ 
 
Other Stocks and Bonds____ _ 
 
Banking House ------------Furniture and Fixtures_____ _ 2,265 00 Other Real Estate Owned ___ _ 
 
Due from Banks in this State 111,241 03 
 
DuSetatfersom__ :_B__a_n_k_s___in____o_t_h_e_r 15,969 1 J 
 
CG uo lrdr e n_ _c_y_ _-_-_-_-_ -_ -_ -_ _- _- _- _- _- _- _- _-_-_- -_ Silver, Nickels, Pennies____ _ Advances on Cotton _______ _ 
 
3,059 00 750 00 265 52 
4,424 Or 
 
Advances on other Commodities 
 
Checks for Clearing HouRe __ 
 
517 80 
 
Other Checks and Cash Items 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ 
 
Overdrafts (if any) _________ _ 
 
227 4i 
 
Other Assets: 
 
War Savings Stamps and F:q- 
 
uity in Lib<'rty Bond _____ _ 
 
66 81 
 
Capital Stock Paid In ________ $ 30,000 00 
 
Amt. Reserved for Branches 
 
8urnlus Fund -------------- 60,000 00 Undivided Profits ---------- 33,629 41 Dividends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ----------------IndtoiviCduhaelck D_e_p_o_s_i_ts____S_u_b_j_e_c_t 190,582 33 Demand Certificates of Deposit Time Certificates of Deposit__ 16,032 1~ 
 
Savings Deposits ----------Trust Funds on Deposit_ ___ _ Cashier's Checks ___________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
 
213 36 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
Liability on Letters of Credit 
 
and Acceptances -------- Rese,rve for Inte.rest and Taxes Otl1er Linhilities _________ _ 
 
Total --------------------$276,457 2~ Total --------------------$276,457 23 
 
 FIRsT ANNUAL REPORT 
 
543 
 
EXAMINER'S REPORT. 
 
TENNILLE BANKING COMPANY, TENNILLE. 
 
At Close of Business October 5, 1920. 
 
President~D. E. McMaster. Vice-President-J. L. Kelley. Cashier-J. H. Arnall. 
 
Directors-C. H. Sheppard, J. L. Kelley, J. H. Arnall, D. E. McMaster, T. W. 
 
Smith, D. R. Thomas, C. E. Brawn, J. D. Voss. 
 
Date of Charte.r-April 4, 1900. 
 
Began Business-April, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$315,777 36 
 
Demand Loans ------------ 21,780 89 
 
Loans Secured by Real Estate' United States Bonds ________ 
 
--7,5iiii-iio 
 
Other Stocks and Bonds_____ --------- 
 
Banking House ------------- --------- 
 
Furniture and Fixtures______ --------- 
 
Other Real Estate Owned____ --------- 
 
Due from Banks in this State 104,503 24 
 
Due from Banks in other 
 
States ------------------Currency ------------------ 
 
5,941 25,417 
 
8oo8 
 
Gold ----------------------- 
 
35 00 
 
Silver, Nickels, Pennies______ 3,317 60 
 
Advances on Cotton________ 
 
725 05 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ --------- 
 
Other Checks and Cash Items --------- 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any)__________ 
 
7 09 
 
Other Assets -------------- --------- 
 
Capital Stock Paid In ________$ 30,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 30,000 00 Undivided Profits ---------- 40,978 59 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ----------------- 
 
Individual Deposits Subject 
 
to Check ---------------- 170,792 31 
 
Demand Certificates of Deposit Time Certificates of Deposit 125,760 84 
 
savings Deposits ---------- 27,468 15 Trust Funds on Deposit_ ___ _ 
 
Cashier's Checks ---------- 
 
275 73 
 
Certified Checks -----------Bills Payable -------------- 60,000 00 
 
Notes. and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Oredit 
 
and Acceptances ________ _ 
 
Reserve for Interest and Taxes Other Liabilities _________ _ 
 
10 00 
 
Total --------------------$485,285 62 Total --------------------$485,285 62 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$305,068 10 
 
Demand Loans ------------ 9,297 90 
 
Loans Secured by Real Estate --------- 
 
Unite:d States Bonds, Liberty 7,500 00 
 
Other Stocks and Bonds ____ --------- 
 
Banking House ------------- --------- 
 
Furniture and Fixtures______ --------- 
 
Other Real Estate Owned____ --------- 
 
Due from Banks in this State 24,787 97 
 
Due from Banks in other 
 
States ------->------------ 4,293 05 
 
Currency ------------------ 7,065 00 
 
Gold ---------------------- 
 
35 00 
 
Silver, Nickels, Pennies ____ 1,561 08 
 
Advances on Cotton ________ 2,582 00 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ 
 
410 99 
 
Other Checks and Cash Items --------- 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any)________ 
 
5 08 
 
Other Assets: 
 
Profit and Loss ------------ 9,119 54 
 
Capital Stock Paid in ______$ 30,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 30,000 00 Undivided Profits ---------- 14,628 65 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State __ 2,415 07 
 
Due to Banl{S in other States 
 
Call Money ----------------Individual Deposits Subject 
 
to Check ----------------- 123,897 67 Demand Certificates of Deposit 
 
Time Certificates of Deposit 112,649 37 Savings Deposits ---------- 13,153 66 Trust Funds on Deposit_____ 
 
Cashier's Checks ---------- 
 
Certified Checks ___________ _ 
 
756 29 
 
Bills Payable -------------- 
 
Notes and Bills Rediscounted 10,000 00 Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Oredit 
 
and Acceptances --------- 
 
Reserve for Interes.t and Taxes 
 
Other Liabilities: Reserve for Losses _______ _ 34,225 00 
 
Total --------------------$371,725 71 Total --------------------$371,725 71 
 
 r 
 
544 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOBT. 
 
BANK OF THOMASTON, THOMASTON. 
 
At Close of Business July 12, 1920. 
 
President-W. Y. Daniel. Vice-President--0. N. 'Villiams. 
 
Cashier-Hugh K. Cl"hurston. 
 
Directors-W. Y. Daniel, 0. N. Williams, H. K. Thurston, L. F. Farley, G. A. 
 
Weaver, Jr., J. G. S. King, W. T. Stewart, M. L. Brooks. 
 
Date of Charter-December 11, 1910. 
 
Began Business-December 11, 1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$118,581 25 Capital Stock Paid In ________ $ 25,000 00 Demand Loans ____________ 24,385 55 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------United States Bonds________ --------- Undivided Profits ---------Other Stocks and Bonds ____ 1,000 00 Dividends Unpaid ---------Banking House ____________ l ,800 00 Due to Banks in this State__ 
 
3,500 00 7,325 17 
 
Furniture and Fixtures ____ 2,533 14 Due to Banks in other States 
 
Other Real Estate Owned __ 1,200 00 Call Money ----------------- 
 
Due from Banks in this State 
 
950 18 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
 
1,663 12 Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 66,383 29 
 
Currency ------------------ 3,441 00 Time Certificates of Deposit 34,623 14 
 
SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-_-__-_- 
 
412 87 --------- 
 
Savings Deposits ---------Cashier's Checks _________ _ 
 
1,126 24 
 
Advances on Cotton ________ --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 20,000 00 
 
ties ------------------------ ----------- Notes and Bills Rediscounted Checks for Clearing House __ 1,676 38 Certificates of Deposit for 
 
Other Checks and Cash Items ________ _ Borrowed Money ________ _ 
 
Customers' Liability on Letters 
 
Liability on Letters of Credit 
 
of Credit and Acceptances. ________ _ and Acceptances --------Overdrafts (if any) _______ _ "336 99 Reserve for Interest and '.raxes 
 
Other Assets --------------- --------- Other Liabilities ---------- 
 
Total --------------------$157,980 48 Total --------------------$157,980 48 BANK'S .STATEMJ<JNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$105,706 69 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans _____________ 17,890 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 12,165 00 Surplus Fund -------------- 
 
United States Bonds________ Other Stocks and Bonds ____ 
 
1,000 00 ________ _ 
 
UDnivdiidveinddeds UPnropfaiitds -_-_-_-_-__-_-_-_--_ 
 
Banking House ------------ 1,800 00 Due to Banks in this State__ --------- 
 
Furniture and Fixtures ____ 2,533 14 Due to Banks in other States --------- 
 
Other Real Estate Owned____ l ,200 00 Call Money ----------------- --------- 
 
Due from Banks in this State 7,885 99 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ------------------ 48,391 44 
 
States ------------------Currency -----------------GS iol vl de r , - -N-i-c-k-e-l-s ,- -P- e- -n-n-i -e-s - -_-__- -_ 
 
1,953 81 Demand Certificates of Deposit --------- 
 
4,875 5 
 
00 00 
 
Time Certificates of Deposit_ Savings Deposits ___________ 
 
-3-1-,-2-1t2---2-6 
 
345 66 Trust Funds on Deposit_____ --------- 
 
Advances on Cotton -------- _ -------- Cashier's Checks ___________ 
 
378 40 
 
Advances on other Commodities --------Checks for Clearing House__ --------- 
 
CBei lrltsi f iPe da yCa bh leec k_s _-_-_-_-_-_-_-_-_ -_ -_ -_ _- 
 
-4-5-, -0 0- 0- - -0 0- 
 
Other Checks and Cash Items 
 
7 99 Notes and Bills Rediscounted --------- 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ Overdrafts (if any) ________ _ 
 
________ _ 22 75 
 
Borrowed Money --------Liability on Letters of Credit 
 
--------- 
 
Other Assets --------------- --------- and Acceptances --------- --------Reserve for Interest and Taxes --------Other Liabilities __________ --------- 
 
Total --------------------$157,390 83 Total --------------------$157,390 83 
 
 FIRST ANNUAL REPORT 
 
545 
 
EXAMINEB.'S BEPOBT. 
 
FARlVIERS & MERCHANTS BANK, THOMASTON. 
 
At Close of Business September 20, 1920. 
 
President-W. 0. Britt. Vice-President-A. H. Black. Cashier-.J. A. Waller. Directors-W. 0. Britt, A. H. Black, G. A. Weaver, Jir., J. D. Hannah, J. B. Girar- 
deau, J. T. Barron, E. W. Carter. Date of Charter-March 8, 1893. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$263,921 92 
 
Demand Loans ------------ 68,885 17 
 
Loans Secured by Real Estate --------United States Bonds ________ 19,500 00 
 
Other Stocks and Bonds ____ --------- 
 
Banking House ------------ 8,000 00 
 
Furniture and Fixtures______ --------- 
 
Other Real Estate Owned __ 2,800 00 
 
Due from Banks in this State 12,238 04 
 
Due from Banks in other 
 
States ------------------- 3,414 39 
 
Currency ------------------ 9,164 00 
 
Gold ---------------------- 
 
100 00 
 
Silver, Nickels, Pennies ____ 2,479 31 
 
Advances on Cotton ________ 1,023 20 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ 
 
529 21 
 
Other Checks and Cash Items 3,684 19 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any) ________ 
 
648 62 
 
Other Assets ---------------- --------- 
 
Capital Stock Paid in ------$ 50,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 2,500 00 Undivided Profits ---------- 13,977 86 
 
Dividends Unpaid ---------- 
 
80 00 
 
Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------- 
 
Individual Deposits Subject 
 
to Check ---------------- 151,698 68 
 
Demand Certificates of Deposit Time Certificates of Deposit 98,023 52 
 
Savings Deposits ----------Cashier's Checks ---------- 
 
107 99 
 
Certified Checks ------------ 
 
Bills Payable -------------- 80,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Credit and Acceptances --------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total ---~----------------$396,388 05 Total --------------------$396,388 05 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans __ -----------$2 64,712 82 Capital Stock Paid in ______ $ 50,000 00 
 
Demand Loans ______________ Loans Secured by Real Estate 
 
52,991 06 ________ _ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--2~5iiii-iiii 
 
United States Bonds ______ 19,500 00 Undivided Profits ---------- 14,084 82 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 8,000 00 Due to Banks in this State__ 
 
Furniture and Fixtures______ --------- Due to Banks in other States 
 
Other Real Estate Owned __ 2,800 00 Call Money ---------------- 
 
Due from Banks in this State 13,854 13 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 124,766 01 
 
States ------------------ 2,834 37 Demand Certificates of Deposit 
 
Currency ------------------ 7,968 00 Time Certificates of Deposit 88,794 99 
 
SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_-_- 
 
1,918170 0280 
 
Savings Deposits ---------Trust Funds on Deposit_____ 
 
Advances on Cotton ________ --------- Cashier's Checks __________ _ 
 
506 18 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------Checks for Clearing House__ 
 
________ _ _ _______ _ 
 
Bills Payable -------------- 100,000 00 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 4,228 68 Certificates of DeJ>osit for 
 
---t------ Customers'' Liability on Letters 
 
Borrowed Money --------- 
 
of Credit and Acceptances_ _________ Liability on Letters of Credit 
 
Overdrafts (if any) ________ 1,665 66 and Acceptances --------- 
 
Other Assets ---------------- 
 
--------- 
 
Reserve for Interest and Taxes Other Liabilities _________ _ 
 
Total --------------------$380,652 00 Total --------------------$380,652 00 
 
 546 
 
BANKING DEPARTMENT 
 
EXAJIIINEB'S BEPOB'l'. 
 
UPSON BANKING & TRUST COMPANY, THOMASTON. 
 
At Close of Business July 26, 1920. 
 
President-S. Y. Pruitt. Vice-President-R. E. Chatfield. Cashier-L. P. Davis. 
 
Directors-T. G. Bethel, R. E. Chatfield, L. P. Davis, F. M:. Garner, W. L. Jenkins, 
 
A. J. Nelson, S. Y. Pruitt. 
 
Date of Charter-December 19, 1888. 
 
Began Business-January 31, 1900. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$438,042 09 
 
Demand Loans ------------ 48,834 03 Loans Secured by Real Estate --------United States Bonds ______ 16,166 85 
 
Other Stocks and Bonds ____ --------- 
 
Banking House ------------ 3,000 00 Furniture and Fixtures ____ 1,683 50 
 
Other Real Estate Owned____ --------Due from Banks in this State 19,680 60 
 
Due from Banks in other 
 
States ------------------Currency. ------------------ 
 
6,261 93 17,440 00 
 
GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
160 00 882 58 
 
Advances on Cotton -------- --------Advances on other Commodi- 
 
ties --------------------- --------Checks for Clearing House 
 
and other Checks and Cash 
 
CuIstteommsers-' -L-i-a-b-i-li-t-y-o-n--L-e-t-t-e-r-s 5,130 46 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any)-------- --------- 
 
Other Assets -------------- 32,370 81 
 
Capital Stock Paid in -------$ 50,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 25,000 00 Undivided Profits ---------- 45,835 54 
 
Dividends Unpaid ---------Due to Banks in this State 
 
8 00 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t 293,377 02 
 
__ _____ _ Time Certificates 
Savings Deposits 
 
of Deposit ---------- 
 
145__,, 043 
 
55 
 
Trust Funds on Deposit __ 
 
Cashier's Checks ------------ 
 
262 98 
 
Certified Checks ------------ 
 
Bills Payable -------------- 30,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of C['edit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
125 76 
 
Total --~-----------------$589,652 85 
 
Total --~-----------------$589,652 SG 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------~-----$449,817 12 Demand Loans ____________ 37,860 09 
 
Loans Secured by Real Estate --------- 
 
United States Bonds________ --------- 
 
Other Stocks and Bonds ____ 
 
600 00 
 
Banking House and Furniture 
 
and Fixtures ------------ 4,796 96 Other Real Estate Owned____ --------Due from Banks in this State 15,875 98 Due from Banks in other 
 
States ------------------- 7,630 40 
 
Currency -----------------GS iollvde r , - -N-i-c-k-e-l s-,- -P- e- n- -n-i e- s- - -_-__- -_ 
 
15,132753 
 
00 00 
 
1,523 06 
 
Advances on Cotton -------- --------Advances on other Commodi- 
 
ties --------------------- --------Checks for Clearing House __ 3,291 98 Other Checks and Cash Items 5,843 74 Customers' Liability on Letters 
 
of Credit and Acceptances_ --------Overdrafts (if any) ________ --------- 
 
Other AsS'ets: Cash Collections Outstanding 1,580 64 
 
Capital Stock Paid in -------$ 50,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-2-5~000-00 
 
Undivided Profits ---------- 38,139 42 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 243,807 78 Demand Certificates of Deposit 
 
Time Certificates of Deposit 126,277 88 
 
Savings Deposits ---------Trust Funds on Deposit __ 
 
Cashier's Checks ---------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
1,042 75 50 14 
60,000 00 
 
Liability on Letters of Credit and Acceptances ___ . ____ _ 
 
Reserve for Interest and Taxes Other Liabilities _________ _ 
 
Total --------------------$544,317 97 Total --------------------$544,317 97 
 
 FIRST ANNUAL REPORT 
 
547 
 
EXAMINEB.'S B.EPOB.T. 
 
THE BANK OF THOMASVILLE, THOMASVILLE. 
 
At Close of Business October 9, 1920. 
 
President-E. M.. Smith. Vice-Presidents-B. H. Wright, James Watt. 
 
Cashier-R. G. Fleetwood. 
 
Directors-E. M. Smith, B. H. Wright, James Watt, Robert Thomas, Theo Titus, 
 
J. M. Watson, R. C. Balfour, J. B. Jemison, R. G. Fleetwood, E. E. Mack. 
 
Date of Charter-September 27, 1887. 
 
Began Business September 27, 1887. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$568,006 17 Capital Stock Paid in ______$100,000 00 
 
Demand Loans -------------- 155,328 73 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 80,000 00 Surplus Fund -------------- 25,000 00 
 
, United States Bonds ________ :!9,000 00 Undivided Profits ---------- 77,851 62 
 
Other Stocks and Bonds ____ 15,575 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------ 9,000 00 Due to Banks in this State__ 47,183 49 
 
Furniture and Fixtures ____ 4,553 95 Due to Banks in other States 
 
Other Real Estate Owned__ 
 
504 50 Call Money ---------------- --------- 
 
Due from Banks in this State 38,060 29 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 409,335 70 
 
States ------------------Currency ------------------- 
 
33,570 16 Demand Certificates of Deposit --------16,732 00 Time Certificates of DeposiL 28,328 18 
 
GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
1,822 50 Savings Deposits ---------- 248,196 89 7,683 1 J Trust Funds on Deposit __ --------- 
 
Advances on Cotton _______ _ Advances on otherCommoruties 
 
64,589 38 --------- 
 
Cashier's Checks __________ Certified Checks ___________ _ 
 
--------4,414 02 
 
Checks for Clearing House__ --------- Bills Payable -------------- 70,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 50,000 00 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ --------- Borrowed Money _____,____ --------- 
 
Overdrafts (if any) -------- --------- Liability on Letters of Credit 
 
Other Assets: -------------- 24,497 21 and Acceptance~< -------~- --------- 
 
Sundry Banks -------------- 5,539 18 Reserve for Interest and Taxes --------- 
 
Other Liabilities ------------ 
 
406 40 
 
Total ------------------$1,060,716 30 Total ------------------$1,060,716 30 BANK'S .STATEMENT at Close of Business December 15,_ 1920. 
 
RESOURCES 
 
LIABILITIES 
 
'l'ime Loans ----------------$554,478 16 Capital Stock Paid in ______$]00,000 00 
 
Demand Loans __________,__ Loans Secured by Real Estate 
 
93,783 74 82,269 44 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-25~000-00 
 
United States Bonds ________ 29,000 00 Undivided Profits ---------- 81,896 35 
 
Other Stocks and Bonds ____ 15,575 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------ 9,000 00 Due to Banks in this State__ 55,211 57 
 
Furniture and Fixtures ____ 4,553 95 Due to Banks in other States 2,062 48 
 
Other Real Estate Owned __ 
 
504 50 Call Money ---------------- --------- 
 
Due from Banks in this State 41,665 89 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 368,590 22 
 
States ------------------- 11,801 34 Demand Certificates of Deposit --------- 
 
Currency ------------------ 24,781 00 Time Certificates of Deposit 33,758 35 
 
GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---__-_-_- 
 
31,,866290 3020 
 
Savings Deposits ---------- 223,988 49 Trust Funds on Deposit __ --------- 
 
Advances on Cotton -------- 47,528 79 Cashier's Checks ---------- --------- 
 
Advances on other Commodities --------Checks for Clearing House __ 7,213 03 
 
CBei lrltsi f iPe da yCa bhleec k_s _-_-_ -_ -_ _- _- _- _- _-_-_- -_ 
 
2, 722 02 40,000 00 
 
Other Checks and Cash Items 1,416 73 Notes and Bills Rediscounted 20,000 00 
 
Customers' Lia.bility on Letters of Credit and Acceptances_ 
 
________ _ 
 
CeBrtoifrircoawteesd MofoneDyep_o_s_i_t___f_o_r 
 
________ _ 
 
Overdrafts (if any)________ 
 
28 84 Liability on Letters of Cred,it 
 
Other Assets -------------- 24.497 21 and Acceptances --------- --------Reserve for Interest and Taxes ________ _ 
 
Other Liabilities __________ _ 
 
357 46 
 
Total ------------------~-$953,586 94 Total ____________________ $953,586 94 
 
 548 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK & TRUST COMPANY, THOMASVILLE. 
 
At Close of Business September 28, 1920. 
 
Rresident-J. T. Culpepper. Vice-Presidents-J. H. Menrill, J. M. Dekle. Cashier-W. J. Bowen, Jr. 
Directors-J. T. Culpepper, J. H. Merrill, J. M. Dekle, J. H. Flowe"'s, J. A. Beverly, James Watt, Lee Nee!, Homer Williams. 
 
Date of Charter-December 30, 1890. 
 
Began Business-July 1, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $343.754 24 
 
Demand Loans ____________ 142,208 82 
 
Loans Secured by Real Estate ________ _ 
 
United States Bonds -------- 20,950 00 
 
Other Stocks and Bonds ____ --------Banking House ____________ 5,000 00 
 
Furniture and Fixtures ____ 
 
814 13 
 
Other Real Estate Owned____ 1,237 40 
 
Due from Banks in this State 19,370 76 
 
Due from Banks in other 
 
CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_- 4229,,931016 0030 
 
Gold ----------------------- --------Silver, Nickels. Pennies_____ 5,094 59 
 
Advances on Cotton ________ --------- 
 
Advances on other Commodities --------Checks for Clearin~ House__ 12,775 67 
 
Other Checks and Cash Items 4,875 20 
 
Cus,tomers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any) ________ 
 
235 26 
 
Other Assets --------------- 1,086 06 
 
Capital Stock Paid in ------$ 50,000 00 Amt. Reserved for Branches --------Surplus Fund -------------- --------Undivided Profits ---------- 79,880 93 Dividends Unpaid ---------- --------Due to Banks in this State__ --------Due to Banks in other States 3,820 88 Call Money ---------------- --------Individual Deposits Subject 
to Check ----------------- .388,890 08 Demand Certificates of Deposit ________ _ Time Certificates of DeposiL 6,251 52 Savings Deposits __________ 100,699 89 
Trust Funds on Deposit __ --------Cashier's Checks __________ --------CBeilrltsifiPedayCabhleeck_s__-_-_-_-_-_-_-_-_-_-_-_- ____2_7_6__25_ 
Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money --------- --------Liability on Letters of Credit 
and Acceptances _________ --------Rese,rve for Inte.rest and Taxes --------Other Liabilities __________ --------- 
 
Total --------------------~629,819 5fi 
 
Total --------------------~629,819 55 
 
BAI>IK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$468.280 !i1 Demand Loans ____________ 28,000 00 
 
Loans Secured by Real Estate ________ _ 
 
United States Bonds ________ 20,950 00 
 
Other Stocks and Bonds ____________ _ 
 
Banking House ____________ 5,000 00 
 
Furniture and Fixtures _____ 
 
814 !i3 
 
Other Real Estate Owned____ 1,237 40 
 
Due from Banks in this State 55,466 2F 
 
Due from Banks in other 
 
States ------------------- 42,535 26 Currency ------------------ 25,773 00 
 
GSloilvder-,--N-i-c-k-e-l,-;,--P-e-n--n-ie-s---_-_-_-_ --6-,-6-44---6-2 Advances on Cotton ________ --------Advances on other Commodities ________ _ 
Checks for Clearin~ House__ 2.000 on 
Other Checks and Casl1 Items 14,384 9F Customers' Liability on Letters 
of Credit and Acceptances_ ________ _ 
 
OOvtheerdr raAfstsset(sif _a_n_y_)__-_-_-__-_-_-_-_- 
 
- 
 
-2-.-8-4-3- 
 
- 
 
-- 
2~ 
 
Cash Short ---------------- 1.092 06 
 
Capital Stock Paid in ------$ 50,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 83,666 57 
 
Undivided Profits ----------Dividends Unpaid _________ _ 
 
Due to Banks in this State 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_t_es_ 
 
IndtoiviCdhueaclk D__e_p_o_s_i_t_s__S__u_b_j_e_c_t 389,230 55 Demand Certificates of Deposit 
 
Time Certificates of Deposit Ravings Deposits _________ _ Trust Funds on Deposit __ Cashier's Checks _________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borro\ved Money ____ ___,.,___ _ 
 
21.009 54 96,115 20 35,000 00 
 
Liability on I.etters of Credit and Acceptances ________ _ 
 
R<eserve for Interest and Taxes Other Liabilities _________ _ 
 
Total --------------------$675,021 87 Total --------------------$675,021 87 
 
 FIRST ANNUAL REPORT 
 
549 
 
EXAMINER'S B.EPOB.T. 
 
PEOPLES SAVINGS BANK, THOMASVILLE. 
 
At Close of Business August 2, 1920. 
 
President-T. J. Ball. Vlce-President-J. F. Evans. Cashier~R. J. McClenny. 
 
Directors-'1'. J. Ball, J. F. Evans, E. L. Nell, W. L. Ball, W. J. Upchurch, F. H. 
 
Smith. 
 
Date of Charter-October 22, 1906. 
 
Began Business-December 1, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$185,599 39 Capital Stock Paid In ________$ 25,000 00 
 
DLeomanasndSeLcuoraends b-y--R-e-a-l--E-s-t-a-t-e 
 
-_ -_ _- _- _-_-_-_- -_ 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
12,500 00 
 
United States Bonds________ --------- Undivided Profits _________ _ 3,001 81 
 
Other Stocks and Bonds ____ 10,150 00 Due to Banks in this State __ 
 
Banking House ------------- --------- Due to Banks in other States 
 
Furniture and Fixtures ____ 
 
500 00 Call Money ---------------- 
 
Other Real Estate Owned __ ________ _ Individual Deposits Subject 
 
Due from Banks in this State 10,661 28 to Check ---------------- 32,827 32 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ------------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
1,837 66 Time Certificates of Deposit 1,308 00 Savings Deposits _________ _ 
281 50 Trust Funds on Deposit __ 716 64 Cashier's Checks ----------- 
 
58,188 01 72,253 84 
 
Advances on Cotton ________ --------Advances on other Commodities --------- 
 
CBei lrltsi f iPe da yCa bh leec k_s _-_-_ -_ _- _- _- _-_-_-_-_- -_ 
 
8,000 00 
 
Checks for Clearing House __ 
 
250 57 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
89 01 Certificates of Deposit for 
 
Customers' Liability on Letters 
 
Borrowed Money --------- 
 
of Credit and Acceptances_ --------- Liability on Letters of Credit 
 
Overdrafts (if any) -------- 
 
544 61 and Acceptances ________ _ 
 
Other Assets -------------- --------- Reserve for Interest and Taxes Other Liabilities ------------ 
 
167 68 
 
Total --------------------$211,938 66 Total ____________________ $211,938 66 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $183,743 54 
 
Demand Loans _____________ --------- 
 
Loans tate 
 
_S_e_c_u_r_e_d___bgvo 
 
Real Esper cenL 
 
United States Bonds ________ 10,300 00 Other Stocks and Bonds ____________ _ 
 
Capital Stock Paid In ________ $ 25,000 00 ASumrtp. luRsesFeurnvded__f_o_r__B_r_a_n_c_h__es_ 12,500 00 Surnlus Fund-Capital _____ _ 37,500 00 Undivided Profits _________ _ 5,608 46 Dividends Unpaid _________ _ 
 
Banking HouRe ------------- --------- 
 
Furniture and Fixtures ____ _ 
 
500 00 
 
Other Real Estate Ownf'd __ ________ _ 
 
Due from Banks in this State 7,064 31 ,DuSetatfersom___B__a_n_k_s___i_n___o_th__er_ 14,443 14 
 
CGuo rl dr e n_c_y_ _ _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Silver, Nickels. Pennies ___ _ 
 
4,000 00 321 50 
101 02 
 
Advances on Cotton ________ --------Advances on othe,rCommoditif's ________ _ 
 
Checks for Clearing House__ --------Other Checks and Cash Items ________ _ 
 
Customers' Liability on Letters of Credit and Acceptances_ _________ 
Overdrafts (if any) ________ ________ _ 
 
Other Assets ______________________ _ 
 
Due to Banks in this State __ Due to Banks in other States Call Money ---------------IndtoiviCduhaelck D_e_p_o_s_i_t_s___S_u_b_j_e_c_t 
Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits _________ _ Trust Funds on Deposit __ Cashier's Checks __________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ----+--Liability on Letters of Credit 
and Acceptances ________ _ 
 
24,809 36 46,210 81 91,344 88 
15,000 00 
 
ROethseerrveLfioarbTilnittfi>ersest_a__n_d__T_a__x_e_s 
 
Total --------------------$220,473 51 Total --------------------$220,473 51 
 
 550 
 
BANKING DEPARTMENT 
 
E:XAMI:NEB'S BEPOBT. 
 
THE BANK OF THOMSON, THOMSON. 
At Close of Business Septembe.r 11, 1920. 
 
President-J. E. Wilkerson. Vice-President-J. R. Printup. Cashier-H. A. Burnside. Directors-Jno. E. Gross, Jno. S. Boyd, Jno. T. West. 
 
Date of Charter-1891. 
 
Began Business-July, 1891. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$408,912 11 
 
Demand Loans ____________ 8,150 00 
 
Loans Secured by Real Estate 16,863 12 
 
United States Bonds ________ 79,250 00 
 
Other Stocks and Bonds ____ 13,830 00 
 
Banking House ------------ 8,142 97 Furniture and Fixtures ____ 3,900 00 
 
Other Real Estate Owned __ --------Due from Banks in this State 47,309 99 
 
Due from Banks in other 
 
States ------------------- 40,542 2fi 
 
Currency ------------------ 6,606 00 
 
Gold ----------------------- 
 
310 50 
 
Silver, Nickels, Pennies ____ 2,395 96 
 
Advances on Cotton ________ --------Advances on other Commodities _________ 
 
Checks for Clearing House__ 1,635 91 
 
Other Checks and Cash Items 
 
230 92 
 
Customers' Liability on Letters of Credit and Acceptances_ _________ 
 
Overdrafts (if any) ________ --------- 
 
Other Assets: -------------- 1,719 84 
 
War Savings Stamps ________ 
 
846 00 
 
Cash Short ---------------- 
 
198 50 
 
Capital Stock Paid in ______$ 50,000 00 Amt. Reserved for Branches Surplus Fund _____________ _ 50,000 00 Undivided Profits _________ _ 41,850 70 Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
to Check ----------------- 260,104 85 Demand Certificates of Deposit 14,127 !55 Time Certificates of DeposiL 219,918 34 
Savings Deposits ---------Trust Funds on Deposit __ Cashier's Checks _________ _ 4,842 63 Certified Checks ___________ _ Rills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances --------Rese:rve for Interest and Taxes 
Other Liabilities ---------- 
 
Total --------------------$640,844 07 Total --------------------$640,844 07 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$344,279 49 Demand Loans ____________ 22,763 39 
 
Loans Secured by Real Estate 18,144 48 United States Bonds ________ 79,250 00 
 
Other Stocks and Bonds ____ 14,676 00 Banking House ____________ 8,142 97 
 
Furniture and Fixtures ____ 3,900 00 Other Real Estate Owned __ ________ _ 
 
Due fi"om Banks in this State 19,913 36 Due from Banks in other 
 
States -------------------- 20,218 51 
 
Currency ------------------ 4,700 00 
 
SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie--s--_-_-_-_ 
 
332 00 118 48 
 
Advances on Cotton ________ --------- 
 
Advances on other Commodi- 
 
ties --------------------- --------- 
 
Checks for Clearing House __ 1,047 4!i 
 
Other Checks and Cash Items 
 
300 00 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ ________ _ 
 
Overdrafts (if any) ------- 2,063 57 
 
Capital Stock Paid in ______$ 50,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 50,000 00 Undivided Profits _________ _ 41,279 05 Divi.dends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 177,018 63 Demand Certificates of Deposit Time Certificates of Deposit 171,536 49 Savings Deposits _________ _ 
 
Trust Funds on Deposit __ 
 
CCearsthifiieerd's CChehcekcsks___-_-_-_-_-_-_-_-_--_ Bills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
765 53 50,000 00 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Reserve for lnt,;rest and Taxes Other LiabilitiPs __________ _ 
 
Total --------------------$540,599 70 Total --------------------$540,599 70 
 
' 
 
 FIRST ANNUAL REPORT 
 
551 
 
EXAMINER'S REPORT. 
 
THE McDUFFIE BANK, THOMSON. 
 
At Close of Business September 15, 1920. 
 
P.resident-Thos. E. Watson. Vice-President-Welcome Fanning. 
 
Cashier-E. M. Miles. 
 
Directors-H. T. Clary, J. M. Hayes, B. J. Stevens, 0. S. Lee, W. A. Watson. 
 
Date of Charter-August 22, 1906. 
 
Began Business-August, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$163,365 47 
 
Demand Loans ------------ 3,000 00 Loans Secured by Real Estate 4,800 00 United States Bonds ________ 1,000 00 
 
Other Stocks and Bonds ____ --------- 
 
Banking House ------------ 2,988 34 
 
l<~urniture and Fixtures ____ 
 
753 49 
 
Other Real Estate Owned__ --------Due from Banks in this State 12,242 92 Due from Banks in other 
 
States -.---.--------------- 2,975 93 
 
Currency ------------------ 7,180 00 
 
Gold ---------------------Silver, Nickels, Pennies ___ _ 
 
27 50 659 46 
 
Advances on Cotton ________ -------- 
 
Advances on other Commodi- 
 
tief: --------------------- --------- 
 
Checks for Clearing House__ 1,876 13 
 
Other Checks and Cash Items 
 
368 49 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Ov,erdrafts (if any) -------- 
 
61 32 
 
Other Assets: 
 
Collection Account ________ _ 
 
30 00 
 
Capital Stock Paid In________$ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits _________ _ 
 
57,456 47 63,152 29 
 
Trust Funds on Deposit __ 
 
Cashier's Checks ----------~ 
 
227 31 
 
Certified Checks -----------Bills Payable -------------- 30,000 00 Notes and Bills Rediscounted Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
 
and Acceptances --------Reserve for Inte.rest and 'l'axes 
 
Other Liabilities: 
 
Cash Long ----------------- 
 
62 36 
 
Cotton Account Augusta ~---_ _ _ _5_2_8 
 
Total --------------------$202,329 05 Total --------------------$202,329 05 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$127,844 l 1 Capital Stock Paid in ------$ 25,000 00 
 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
4,800 00 ________ _ 
 
SUunrdpilvuisd eFd u nPdr o f-i-t s- - -_-_-_-_-_-_-_ -_ _- -_ 
 
23,542 43 
 
Other Stocks and Bonds ____ 1,000 00 Dividends Unpaid _________ _ 
 
30 00 
 
Banking House ------------ --------- Due to Banks in this State __ 
 
Furniture and Fixtures ____ 
 
753 49 Due to Banks in other States 
 
Other Real Estate Owned __ 2,988 34 Call Money ---------------- 
 
Due from Banks in this State 5,295 44 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check _______________ _ 36,942 90 
 
States -----~------------ Currency -----------------Gold ---------------------Silver, Nickels, Pennies ___ _ Advances on Cotton ________ Advances on other Commodi- 
 
] ,022 04 
4,000 00 27 50 
_ ___8_81___24_ 
 
Demand Certificates of Deposit Time Certificates of Deposit_ Savings Deposits _________ _ Trust Funds on Deposit __ Cashier's Checks __________ _ Bills Payable _____________ _ 
 
50,57 4 97 
3o4 so 
13,000 00 
 
ties ------~-------------- ________ _ Notes and Bills Rediscounted 
 
Checks for Clearing House __ _ 
Other Checks and Cash Items Customers' Liability on Letters 
 
620 31 Certificates of Deposit for 70 00 Borrowed Money ________ _ 
Liability on Letters of Credit 
 
of Credit and Acceptances_ --------- and Acceptances --------- 
 
Overdrafts (if any) -------Other Assets -------------- 
 
23 31 Reserve for Interest and Taxes 119 32 Other Liabilities __________ _ 
 
Total --------------------$149,445 10 Total --------------------$149,445 10 
 
 r 
 
552 
 
BANKING DEP.A.RTMEN't' 
 
EXAMINER'S BEPOBT. 
THOMSON CITY BANK, THOMSON. 
 
At Close of Business September 20, 1920. 
 
President-J. T. Neal, Sr. Vice-President-J. E. Wilson. Coshier-J. T. Neal, Jr. 
 
Directors-F. B. Johnson, Dr. G. T. Neal, H. C. McCorkle. Roy J, Johnson-Tyrus. 
 
Date of Charter-April 19, 1915. 
 
Began Bus,iness-May 11, 1915. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$141,184 15 Demand Loans ------------ 15,370 46 
 
Loans Secured by Real Estate --------.United States Bonds ________ 14,150 00 
 
Other Stocks and Bonds ____ 1,000 00 
 
Banking House ------------- --------Furniture and Fixtures ____ 3,805 69 
 
..Other Real Estate Owned __ --------Due from Banks in this State 7,871 08 Dud from Banks in other 
 
States ------------------Currency ------------------ 
GSiolvlder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ Advances on Cotton and Cot- 
 
1,603 37 5,713 00 
25 00 2,221 20 
 
ton Seed ---------------- 4,179 73 Advances on other Commodi- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--s-e-__- 
 
--------rl6 75 
 
Other Checks and Cash Items 
 
949 41 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any) _______ _ 
 
623 58 
 
Other Assets -------------- _________ 
 
Capital Stock Paid in ------$ 25,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------- 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits _________ _ 
 
62,355 34 45,921 52 
 
Trust Funds on Deposit ---Cashier's Checks ______,___ _ 
 
CBei lrltsi f iPe da yCa bhleec k_s _ _- _- _- _-_-_-_-_-_-_-_- -_ 
 
2,029 40 50,000 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances ______, __ _ 
 
Reserve for Interest and Taxes 
 
COathsher LOivaebrilit_i_e_s_: __ :.________ _ 
 
78 
 
Total --------------------$198,813 42 Total ____________________ $198,813 42 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$137,911 51 Capital Stock Pafd in ------$ 25,000 00 
 
Demand Loans ____________ 4,531 74 Amt. Re.served for Branches 
 
Loans Secured by Rear Estate ________ _ United States Bonds _______________ _ 
 
SUunrdpilvuisd eFd u nPdr o f-i-t s- - -_-_-_-_-_-_-_-_-_-_ 
 
Other Stocks and Bonds ____ Banking House ------------Furniture and Fixtures ____ Other Real Estate Owned __ Due from Banks in this State 
 
1,000 00 --------- 
3,805 69 ________ _ 10,366 32 
 
Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 52,901 78 
 
CurSrtea~tnecsy 
 
------------------------------------ 
 
3,218 17 Demand Certificates of Deposit 1,502 00 Time Certificates of Deposit 35,279 98 
 
GS iollvde r , - -N-i-c-k-e-l-s ,- -P- e- -n-n-i e- s- - -_-_-_ -_ Advances on Cotton _______ _ Advances on other Commodi- 
 
40 00 Saving-s Deposits ---------3,591 82 Trust Funds on Deposit ___ _ 
799 94 Cashier's Checks -----------.Certified Checks ------------ 
 
388 05 
 
ties --------------------- --------- Rills Payable -------------- 36,000 00 
 
Checks for Clearing- House __ 
 
389 71 Notes and Bills Rediscounted 5,000 00 
 
Other Checks and Cash Items 
 
106 10 C<?rtificates of Deposit for 
 
Customers' Liability on Letters 
 
Borrowed Money --------- 
 
of Credit and Acceptances_ --------- Liability on Letters of Credit 
 
Overdrafts (if any) ________ --------- and Acceptances ________ _ 
 
Other Assets: Added to Demand 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Loans ------------$206 67 
 
Total --------------------$167~63 00 Total --------------------$167,263 00 
 
 FIRST ANNUAL REPORT 
 
553 
 
EXAMINER'S REPORT. 
 
BANK OF TIFTON, TIFTON. 
 
At Close of Business August 30, 1920. 
 
President-H. H. Tift. Vice-Presidents-E. P. Bowen, W. W. Banks. 
 
Cashier-B. H. McLeod. 
 
Directors-H. H. Tift, W. W. Banks, E. P. Bowen, L. S. Shepherd, B. H. McLeod, 
 
L. E. Bowen, H. H. Tift, Jr., B. Y. Wallace. 
 
Date of Cha.rte.r-October 10, 1891, 
 
Began Business-1896. 
 
RESOURCES 
 
LIABILITIES ' 
 
Time Loans --------------$1,116 584 70 Demand Loans ___________ 178,231 34 
 
Capital Stock Paid in ----$ 100,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate -------------------- 
United States Bonds _____ _ 
Other Stocks and Bonds__ Banking House _________ _ Furniture and Fixtures ___ _ Due from Banks in this 
 
_________ _ 10,846 00 
---------25,000 00 6,000 00 
 
USunrdpivluids edFuPndrof-it-s---_-__-_-_-_-_--_ Dividends Unpaid _______ _ 
Due to Banks in this State Due to Banks in other States Call Money --------------Individual Deposits Subject 
 
150,000 00 78,043 51 70 00 97,268 65 
20,000 00 
 
State -----------------DuSetatferos m___B_a__n_k_s__i_n___o_th__e_r 
Currency ---------------GS iol lvde r ,- -N- -i -c -k-e-l s-,- -P- -e-n-n-i-e-s -__- -_ Advances on Cotton -----Advances on other Commod- 
 
147,606 1G 
 
16,951 22,645 
 
0506 
 
500 00 
 
5,544 06 
 
25,617 OJ 
 
DetomaCnhdecCk e-r-ti-f-ic-a-t-e-s--o-f--D--e-- 
TipmoesiCt e-r-ti-f-ic-a-t-e-s--o-f-D--e-p-o-s-i-t Savings Deposits ________ _ Cashier's Checks _________ _ 
Certified Checks ---------Bills Payable ------------ 
 
637,957 58 
41,500 00 433,343 16 
11,866 31 7,937 33 306 56 
 
Chiteicekss -f-o-r---C-l-e-a-r-in-g---H-o-u--se- ---4-,0-8-4---72- 
 
Other Checks and Cash 
 
Items ------------------ 
 
3,277 86 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Notes and Bills Rediscounted ---------------- 
Certificates of Deposit for Borrowed Money _______ _ 
Liability on Letters of Credit and Acceptances _______ _ 
 
ances -----------------Overdrafts (if any) -----Other A,ssets -------------- 
 
Reserve for Interest and 
 
4,112 03 11,292 67 
 
Tax Other 
 
es -------Liabilities 
 
----------~--------- 
 
Total ------------------$1,578,293 10 Total ------------------$1,578,293 10 
 
BANK'S STATEMENT at Close of Business December 15, 1920 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------~988,559 73 Demand Loans ____________ 170,100 00 
 
Loans Secured by Real Estate 21l,525 00 
 
United States Bonds _______ 1,686 00 
 
Other Stocks and Bonds ____ --------Banking House ____________ 25,000 00 
 
Furniture and Fixtures______ --------Other Real Estate Owned____ 6,000 00 
 
Due from Banks in this State 65,862 67 
 
Due from Banks in other 
 
States ------------------- 24,863 76 
 
CG 
 
uolrdr 
 
e 
 
n__c_y_ 
 
_ 
 
_-_- 
 
- 
J 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
- 
_ 
 
17,349 850 
 
00 00 
 
Silver, Nickels. Pennie" ___ _ 4,973 97 
 
Advances on Cotton _______ _ 166,67 4 66 
 
Advances on other Commodi- 
 
ties --------------------- --------Checks for Clearing- House __ 2,973 76 
 
Other Checks and Cash Items 2,846 03 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances __ - - - - - --- - - - - - -- - - - - - - - -- - - Overdrafts (if any) -------- 1,915 73 
 
Other Assets -------------- --------- 
 
Capital Stock Paid in ------$100,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 15~000-00 
 
Undivided Profits ---------Dividends Unpaid __________ 
 
68,352 10 
 
5oo2 
 
Due to Banks in this State Due to Banks In other Stat~s 
 
45 662 49 
9:ooo oo 
 
Call Money ---------------- 7,500 00 Individual Deposits Subject 
 
to Check ---------------- 423,728 82 Demand Certificates of De- 
 
posit -------------------- 24,500 00 Time Certificates of Deposit 422,100 90 Savings Deposits __________ 9,210 02 
 
Trust Funds on Deposit ____ --------- 
 
Cashier's Checks _________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
 
3,559 156 
200,000 
 
00 56 00 
 
Notes and Bills Rediscounted 40,000 00 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit --------- 
 
and Acceptances --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities: 
 
--------- 
 
Reserved for Depreciation __ 2,400 00 
 
Total ------------------$1,506,180 31 Total ------------------$1,506,180 31 
 
 554 
 
BANKING DEPARTMEN'l' 
 
EXAMINER'S REPORT. 
 
BANK OF TIGNALL, TIGNALL. 
 
At Close of Business August 25, 1920. 
 
President-W. J. Adams. Vice-President-Boyce Frickland, Jr. Cashier-C. D. Bolton. 
 
Directors-W. J. Adams, BoYce Frickland, Jr., J. A. Moss, W. 0. Gill, T. J. Jack- 
 
son, R. J. McNeil, E. W. Ragsdale, E. J. Wilkinson, S. W. Adams. 
 
Date of Charter-July, 1909. 
 
Began Business-August, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$388,968 35 
 
Demand Loans ------------- 43,849 6R 
 
Loans Secured by Real Estate 1,750 00 
 
United States Bonds ________ 
 
901 51 
 
Other Stocks and Bonds ____ --------Banking House ____________ 3,500 00 
 
Furniture and Fixtures ____ 2,000 00 
 
Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
--------10,789 51 
2,127 63 3,180 00 
100 00 781 56 
 
Advances on Cotton -------- --------Advances on other Commodi- 
 
ties --------------------Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
--------963 87 134 50 
 
Ovanercdersaf-t-s--(-if--a-n-y-)------------------ 18,693 38 Other Assets -------------- 
 
Capital Stock Paid in ______ $ 50,000 00 
 
Amt. Reserved for Branches Surplus Fund ______________ 
 
-2-5~000-00 
 
Undivided Profits __________ 6,483 02 
 
Dividends Unpaid __________ --------Due to Banks in this State__ ________ _ 
 
Due to Banks in other States --------- 
 
Call Money ---------------- --------Inrlividual Deposits Sublect 
 
to Check ---------------- 140,865 47 
 
Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit 82,252 53 
 
Savings Deposits __________ --------- 
 
Cashier's Checks __________ 
 
404 64 
 
Certified Checks -----------Bills Payable ______________ 
 
ii2~6oo-oo 
 
Notes and Bills Rediscounted 60,234 33 
 
Certificates of Deposit for 
 
Borrowed Money _________ --------- 
 
Liability on Letters of Credit 
 
and Acceptances _________ --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$477,739 99 Total --------------------$477,739 99 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$376,683 72 Capital Stock Paid in ______ $ 50,000 00 
 
-25,ooo-oii Demand Loans ------------- 
Loans Secured by Real Estate 
 
----------------- 
 
Amt. Reserved for Branches surplus Fund ______________ 
 
========== --------- United States Bonds ________ --------- Undivided Profits 
 
5,639 88 
 
Other Stocks and Bonds ____ Banking House ____________ 
 
--------3,500 00 
 
Dividends Unpaid Due to Banks in 
 
this 
 
State 
 
--------- 
 
Furniture and Fixtures ____ 2,000 00 Due to Banks in other States --------- 
 
Other Real Estate Owned __ Due from Banks in this State 
 
--------6,892 17 
 
i;,aJlvl'f~~{Y D-e-P"08iis--su1i1ect 
 
--------- 
 
Due from Banks in other 
 
to Check ---------------- 110,581 28 
 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
Advances on Cotton -------- 
--======---- Advances on other Commodi----------==== ties --------------------- 
Checks for Clearing House __ 
 
846 17 2,824 00 
210 00 879 86 19,488 36 
________ _ 1,110 43 
 
D_emand Certificates of Deposit T!m.e Certificates of Deposit__ 
 
-----66,213 
 
- 
 
02 
 
Savmgs Deposits _________ _ 
 
Trust Funds on Deposit ___ _ Cashier's Checks _ 
 
---924-'36 
 
Certified Checks Bills Payable 
 
fo-9~000-00 
 
Notes and Bills Rediscounted 35,092 33 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
--------- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and AcceptO va ne cr dersa f-t-s - -(-i f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
Liability on Letters of Credit and Acceptances ________ _ 
1,01l6 16 Reserve for Interest and Taxes --------- 
 
Other Assets -------------- 
 
Other Liabilities: 
 
Bonds Borrowed -------- 
 
13,050 00 
 
Total -----------~--------$415,500 87 Total --------------------$415,500 87 
 
 FIRST ANNUAL REPORT 
 
555 
 
EXAMINER'S BEPOB'l'. 
 
FARMERS BANK, TIGNALL. 
 
At Close of. Business October 28, 1920. 
 
President-.J. J. Wdlkinson. C'ashier-L. B. LeRoy. 
 
Directors-W. 'l'. Standard, S. W. Butler, J. P. Dye, E. E. Harrison, J. J. Wil- 
 
kinson, D. S. Danner, M. L. Heard, B. L. Wansley, C. R. Ramsey, 
 
J. T. Wilkinson, J. M. Blaichard, Jim Lindsey, Harry Walton. 
 
Date of Charter-October 5, 1920. 
 
Began Business-October 28, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ --------- Capital Stock Paid in ------$ 15,000 00 
Demand Loans ------------- --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate -------- Surplus Fund -------------United States Bonds________ ________ _ Undivided Profits ----------- 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- --------- Due to Banks in this State__ Furniture and Fixtures______ --------- .Due to Banks in other States Other Real Estate Owned __ ________ _ Call Money ---------------- 
 
Due from Banks in this State --------- Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 
 
CuSrrtaetnecsy --_-_-__--__--_-_-_-_-_-_-__--_-__--_ 
 
_1_5_,_00-0---00_ 
 
Demand Certificates of Deposit l'ime Certificates of DeposiL 
 
Gold ----------------------- ________ _ Savings Deposits ---------Silver, Nickels, Pennies _____ --------- 'l'rust Funds on Deposit ___ _ Advances on Cotton ________ ________ _ Cashier's Checks ----------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties --------------------- --------- Bills Payable -------------Checks for Clearing House__ --------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Letters 
 
Borrowed Money --------- 
 
of Credit and Acceptances_ --------- Liability on (Letters of Credit 
 
Overdrafts (if any) -------- --------- and Acceptances --------Other Assets -------------- --------- Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$ 15,000 00 Total --------------------$ 15,000 00 
BANK'S .STATEMJNT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
DTei mmea nLdoLa nosa n-s- -_-_-_-_-_-_-_-_-_-_-_-_-_-_$ 
Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ___ _ 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States -------------------Currency ------------------ 
GS iollvde r-, - -N-i-c-k-e-l -s ,- -P- e- n- -n-i e- s- - -__-_- -_ Advances on Cotton -------Advances on other Commodi- 
ties --------------------Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O va ne rcdersa f-t-s- -(-i f- -a-n-y- )- - -_-_-_-_-_-_ _- -_ Other Assets: 
Profit and Loss ------------ 
 
12,806 72 3,850 00 230 0(1 
3,250 00 611 50 
1,691 89 41 56 
840 00 112 55 
44 90 
430 90 110 59 
 
Capital Stock Paid in -------$ 15,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 
 
Undivided Profits ----------- 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State __ 
 
_ __ Due to Banks in other States 
Call Money ---------------- 
 
____ .... 
 
...... 
 
Individual Deposits Subject 
 
Detmo aCnhdeCcker-ti-f-ic-a-t-e-s-o--f -D-e-p--o-s-it 3,201 36 
 
Time Certificates of Deposit 
 
450 00 
 
Savings Deposits ----------Trust Funds on Deposit ___ _ 
 
Cashier's Checks ----------Certified Checks ----C.------- 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
5,000 00 
 
Borrowed Money --------Liability on Letters of Oredit 
and Acceptances ________ _ 
 
Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$ 24,020 61 Total --------------------$ 24,020 61 
 
 . . . -,-. ~ 
 
..- -- 
 
- ~~ 
 
,--- 
 
-.-- ~ 
 
...- -~ ,- "'- - 
 
. -~---~--- ~------.,.o-~~~--~~-- ....;-..,___~-~-~--,....,......___---;- .---.;~~ 
 
556 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB.'l'. 
 
PEOPLES BANK, TIGNALL. 
 
At ClE>se of Business .August 26, 1920. 
 
Vice-President-S. .A. Ware. Cashier~F. S. Fortson. 
 
Directors--S. .A. Ware, D. S. Standard, B. L. Wansley, .A. .A. Frost, L. W. Hill, J. 
 
T. Butler, B. F. Danner, L . .A. \VHlis. 
 
Date of Ch~rter-December 16, 1913. 
 
Began Business--January 27, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$108,035 93 Capital Stock Paid In~-------$ 25,000 00 
 
Demand Loans ------------ 10,248 00 .A.mt. Reserved for Branches 
 
Loans Secured by Real Estate 6,388 24 Surplus Fund -------------- 
 
United States Bonds________ 7,500 00 Undivided Profits ---------- 6,885 22 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 7,470 78 Due to Banks in this State__ 
 
Furniture and Fixtures____ 1,674 17 Due to Banks in other States 
 
Other Real Estate Owned__ Due from Banks in this State 
 
-5~764-58 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 43,624 69 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
1,779 42 Demand Certificates of Deposit 
 
1,567 00 Time Certificates of Deposit 33,681 73 
 
40 00 Savings Deposits ---------- 
 
735 73 Cashier's Checks ---------- 
 
100 18 
 
.Advances on Cotton -------- --------- Certified Checks ----<-------- 
 
Advances on otheit" Commodities --------- Bills Payable -------------- 42,000 00 
 
Checks for Clearing House __ 
 
51 67 Notes and Bills Rediscounted 3,693 60 
 
Other Checks and Cash Items 
 
520 22 C<:crtificates of Deposit for 
 
Custome.rs' Liability on Letters 
 
Borrowed Money --------- ---f------ 
 
of Credit and Acceptances_ --------- Liability on Letters of Credit 
 
Overdrafts (if any)-------- 2,349 68 and Acceptances --------- 
 
Other .Assets --------------- 
 
860 00 Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------fi54,985 42 Total --------------------$154,985 42 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 89,155 30 
 
Demand Loans ------------ 3,775 50 
 
Loans Secured by Real Estate 6,888 24 
 
United States Bonds -------- 7,500 00 
 
Other Stocks and Bonds ___ _ 
 
Banking House ------------ 7,978 88 Furniture and Fixtures_____ _ 2,436 17 
 
Other Real Estate Owned __ _ 
 
Due from Banks in this State 2,525 55 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiollvder-, --N--ic-k-e-l-s-, --P--e-n-n-i-e-s-__-_--_ Advances on Cotton_______ _ 
 
577 64 2,076 00 
40 00 575 84 471 07 
 
Advances on other Commodities 
 
Checks for Clearing House __ 
 
Other Checks and Cash Items 
 
267 13 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ Overdrafts (if any) _______ _ 
 
245 83 
 
Other Assets -------------- 
 
Capital Stock Paid In ________ $ 2'5,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------- 6,556 14 Dividends Unpaid _________ _ 
 
Due to Banks in this State.__ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 31,663 09 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-27~668-57 
 
Savings Deposits _________ _ 
 
Trust Funds on Deposit ___ _ 
 
Cashier's Checks ---------- 
 
114 26 
 
Certified Checks ------------ 
 
Bills Payable -------------- 30,600 00 Notes and Bills Rediscounted 2,910 99 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of C["edit 
 
and .Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$124,513 05 Total --------------------$124,513 05 
 
 FIRST ANNUAL REPORT 
 
55~ 
 
EXAMINEB'S BEPOBT. 
 
BANK OF TOCCOA, TOCCOA. 
 
At Close of Business July 17, 1920. 
 
President-E. Schaefer. V'ice-President-W. C. Edwards. Cashier-E. C. Teasley. 
 
Directors-E. ,Schaefer, W. C. Edwards, E. C. Teasley, 0. A. Teasley, J. D. 
 
Prather, J. C. And,rews, W. R. Beasley. 
 
Date of Charter-1911. 
 
Began Business-September, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$360,485 67 Capital Stock Paid In________ $ 50,000 00 Demand Loans ------------ 18,656 89 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 23,140 71 Surplus Fund -------------- 10,000 00 United States Bonds________ 6,982 29 Undivided Profits ---------- 9,398 50 Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
Banking House ------------- --------- Due to Banks in this State__ Furniture and Fixtures______ 1,989 57 Due to Banks in other States 
 
Other Real Estate Owned___ --------- Call Money ---------------Due from Banks in this State 6,223 70 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 214,939 09 
 
States ------------------- 11,189 16 Demand Certificates of Deposit 
 
Currency ------------------ 8,329 00 Time Certificates of Deposit 64,729 19 
 
Gold ---------------------- 
 
332 50 
 
Silver, Nickels, Pennies_____ 3,198 92 
 
Advances on Cotton -------- --------Advances on other Commodities --------Checks for Clearing House__ 4,008 38 
 
Savings Deposits ---------Trust Funds on Deposit ___ _ Cashier's Checks ---------Certified Checks -----------Bills Payable -------------- 
 
366 09 
--------1,-- 
1,641 65 
-9-0~000-00 
 
Other Checks and Cash Items 11,158 38 Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Ce,rtificates of Deposit for 
 
of Credit and Acceptances_ --------- Borrowed Money --------Overdrafts (if any)________ 1,957 61 Liability on Letters of Credit 
 
Other Assets -------------- --------- and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ---------- 14,578 26 
 
Total --------------------$457,652 78 Total --------------------$457,652 78 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$212,915 Demand Loans ------------ 29,541 
 
37 82 
 
Capital Stock Paid In________$ Amt. Reserved for Branches 
 
50,000 
 
00 
 
Loans Secured by Real Estate 
-iO.ooo-oo United States Bonds________ 
Other Stocks and Bonds____ 
---------= Banking House ------------ 
 
33,216 67 10,636 79 ----------------- 
 
Sur~lus Fund -------------Undivided Profits --------DDuiveidteondBsanUknspianidthis State 
 
2,299 98 --2~000-00 
 
..- Furniture and Fixtures______ 1,989 57 Due to Banks in other States 
 
Other Real Estate Owned___ Due from Banks in this State 
 
--------3,082 39 
 
Call Money ---------Individual Deposits su'bJect 
 
------- 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
-42.73o-oo 47 66 
 
to Check --------Demand Certificates of 
 
D~eposlt 
 
110,237 
 
08 
 
1,822 00 Time Certificates of Deposit 
 
GS iol lvde r , - -N-i-c-k' -e-l s-,- -P-e-n- -n-i e- -s -_ -_ _- _- -_ Advances on Cotton________ 
 
50 00 1,017 73 3,438 67 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ 
 
585 38 
 
Other Checks and Cash Items 
 
560 29 
 
Savings Deposits --------- 
 
Trust Funds on Deposit - 
 
Cashier's Checks 
 
---- 
 
Certified Checks ---------- 
 
--============ BNioltless PaanydabBleills Rediscounted 
 
2,670 53 
6,544 41 
2,872 47 24 07 
76,500 00 
 
Cus'tomers' Liability on ,Letters 
 
Ce,rtificates of Deposit for 
 
of Credit and Acceptances_ Overdrafts (if any)-------- 
 
---429-79 
 
Borrowed Money Liability on Letters -ofor-edlt 
 
Other Assets: 
 
qnd Acceptances _ 
 
CoHections ---------------- 6,544 41 Rese:rve for Interest an(fTaxes 
 
Other Liabilities ----------- 
 
Total --------------------$305,878 54 Total --------------------$305,878 54 
 
 ;- 
 
558 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
FARMERS & MERCHANTS BANK, TOCCOA. 
 
At Close of Business September 4, 1:120. 
 
President-E. E. Mitchell. Vice-President-Claud Bond. Cashier-D. S. Warmack. Directors-E. E. Mitchell, Claud Bond, D. S. Warmack, Jno. H. Davis, N. L. Garland. 
 
Date of Charter-January 8, 1906. 
 
Began Business--January 20, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $282,634 31 Capital Stock Paid In ________ $ 50,000 00 
 
Demand Loans ------------ 20,181 80 Amt. Reserved for Branches Loans Secured by Real Estate 5,597 00 Surplus Fund -------------United States Bonds________ 53,226 00 Undivided Profits ---------Other Stocks and Bonds_____________ Dividends Unpaid ---------- 
 
12,500 00 5,117 85 
68 00 
 
Banking House ------------ 15,000 00 Due to Banks in this State__ 
 
Furniture and Fixtures______ 3,000 00 Due to Banks in other States 
 
Other Real Estate Owned___ 4,606 19 Call Money ---------------- 33,500 00 
 
Due from Banks in this State 22,982 U Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 173,854 20 
 
States ___________________ 4,225 7R Demand Certificates of Deposit 
 
Currency ------------------ 5,870 00 '.rime Certificates of Deposit 55,396 99 
 
Gold ---------------------- 
 
425 00 Savings Deposits ---------- 55,751 48 
 
Silver, Nickels, Pennies_____ 3,955 06 Trust Funds on Deposit ___ _ ------....J-- 
 
Advances on Cotton ________ --------- Cashier's Checks _________ _ 1,978 72 
 
Advances on otherCommodities _________ Certified Checks ___________ _ 
 
14 87 
 
Checks for Clearing House__ 1,223 59 Bills Payable -------------- 40,000 00 
 
Other Checks and Cash Items 
 
443 45 Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ _________ Borrowed Money ________ _ 
 
Overdrafts (if any)---------- 1,309 11 Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ________ _ 
 
Depositors' Guarantee Fund 3,456 80 Reserve for Interest and Taxes 
 
Mutual Fire Insurance Fund 
 
120 00 Other Liabilities: 
 
Transit Account ------------ 
 
231 00 Current Deposits ---------Cash Long ---------------- 
 
173 73 131 39 
 
Total --------------------$428,487 23 Total ____________________ :p428,487 2:l 
 
BANK'S STATEMI<:NT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________$234,804 32 
 
Demand Loans ------------ 10,827 96 Loans Secured by Real Estate 14,124 84 United States Bonds________ 42,180 00 
 
Other Stocks and Bonds____ --------- 
 
Banking House .------------ 1 ii,OOO 00 Furniture and Fixtures_____ 3,137 27 Other Real Estate Owned__ 4,606 19 
:Que from Banks in this State 22,218 05 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton_______ _ 
Checks for Clearing House __ Other Checks and Cash Items 
 
] 3,204 57 9,895 00 490 00 4,770 66 6,904 82 2,724 99 220 25 
 
Customers' Liability on Letters of Credit and Acceptances_ --------- 
Overdrafts (if any)________ 3,908 85 
 
Other Assets: 
 
Depositors' Guarantee Fund R,4n6 80 
 
Mutual Fire Insurance Fund 
 
120 00 
 
County Warrants ---------Collections in Transit_ ____ _ 
 
26,788 54 4,033 38 
 
Profit and Loss ___________ _ 
 
56 68 
 
----- 
 
Total --------------------$423,473 17 
 
Capital Stock Paid In ________ $ 50,000 00 
 
Amt. Reserved for Branches --------- 
 
USunrdpivluids edFuPnrdof-i-ts---_-_-_-__-_-_-_-_--_ 
 
12,500 00 2,691 43 
 
Dividends Unpaid _________ _ 
 
68 00 
 
Due to Banks in this State__ _________ 
 
Due to Banks in other States 
 
and Call Money ---------- 21,500 00 Individual Deposits Subject 
 
to Check ---------------- 164,411 3r> Demand Certificates of De- 
 
posit -------------------- 2,001 68 Time Certificates of Deposit 27,850 24 Savings Deposits __________ 58,028 83 Trust Funds on Deposit ____ _________ 
 
Cashier's Checks __________ 1,396 87 
 
Certified Checks ____________ 
 
24 77 
 
Bills Payable -------------- 75,000 00 Notes and Bills Rediscounted ________ _ 
 
Certificates of Deposit for Borrowed Money _______ _ 
Liability on Letters of C~edit 
 
8,000 00 
 
and Acceptances --------- --------Reserve for Interest and Taxes --------Other Liabilities ___________________ _ 
 
Total --------------------$423~473 17 
 
 / 
 
FIRST ANNUAL REPORT 
 
559 
 
EXAMINER'S B.EPOB.T. 
 
WILKINSON COUNTY BANK, TOOMSBORO. 
 
At Close of Business August 31, 1920. 
 
President-F. B. Chambers. Vice-President-W. A. Hall. Cashie,r-H. E. Stephens. 
Directors-F. B. Chambers, W. A. Hall, L. R. Carson, Sr., H. D. Hughes, w. I. Dixon, :r. E. Butler, H. E. Stephens. 
 
Date of Charter-July 16, 1907. 
 
Began Business-July 16, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 85,147 37 Capital Stock Paid In ________ $ 15,000 00 
 
Demand Loans ------------ 29,2&2 86 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ___ _ 
 
15,850 00 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------- 
 
3,000 00 23,266 17 
 
Banking House ------------ 
 
Due to Banks in this State __ 
 
Furniture and Fixtures_____ _ 
 
Due to Banks in other States 
 
Other Real Estate Owned __ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 13,784 96 Individual Deposits Subject 
 
Due from Banks In other 
 
to Check ---------------- 92,678 16 
 
State's ------------------- 4,574 15 Demand Certificates of Deposit 
 
Currency ------------------ 4,331 00 Time Certificates of Deposit 12,930 98 
 
SGiolvlder, --N-i-c-k-e-l-s-, -P--e-n-n-i-e-s-_-_-_-_-_ Advances on Cotton _______ _ 
 
20 00 Savings Deposits ---------- 
 
1,276 22 
 
Trust Funds on Deposit ___ _ Cashier's Checks _________ _ 
 
121 84 
 
Advances on other Commodities 
 
Certified Checks ----'-------- 
 
Checks for Clearing House__ 
 
457 92 Bills Payable ------------- 10,000 00 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ 
 
Borrowed Money --------- 
 
Overdrafts (if any) _______ _ 318 28 Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances --------- 
 
WCaisahr SSahvoirntgs--S--ta-m--p-s--_-_-_-_-_--_ 
 
41 01 Reserve for Interest and Taxes 835 20 Other Liabilities ----------- 
 
Liberty Bond Installments __ 1,108 1 g 
 
Total --------------------$156,997 15 Total --------------------$156,997 15 
 
BANK'S STATEJMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 67,864 19 Capital Stock Paid In________$ 25,000 00 
 
Demand Loans -----------Loans Secured by Real Estate 
 
3"5,255 91 5,496 70 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--3~000-00 
 
United States Bonds_______ _ 16,950 00 Undivided Profits ---------- 13,098 84 
 
Other Stocks and Bonds ___ _ Banking House -----------Furniture and Fixtures ____ _ 
 
Dividends Unpaid ---------Due to Banks In this State__ Due to Banks In other States 
 
Other Real Estate Owned __ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 9,094 81 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
~GAuiorllvrdeern, c--yN-i-c--k--e--l--s.----P--~-e--n--n--i--e--s--_--_--_--_--_ Advances on Cotton _______ _ 
 
1,269 47 4,039 00 
13o oo 1,122 58 
3,783 56 
 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit ___ _ Cashier's Checks _________ _ 
 
80,688 48 8,290 07 
338 11 
 
Advances on other Commodities Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on :Letters 
of Credit and Acceptances_ Overdrafts (if any) _______ _ 
 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
 
-f5~000-00 
 
Other Assets -------------- 
 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
Total --------------------$H5,415 50 Total --------------------$145,415 50 
 
 560 
 
BANKING DErART:i\iENT 
 
EXAMINER'S REPORT. 
 
BANK OF TRION, TRION. 
 
At Close of Business October 14, 1920. 
 
President-B. S. Riegel. Cashier-W. I. Bennett. 
 
Ditrectors-B. S. Riegel, C. B. Caperton, J. L. Hammond, J. H. Thomas, C. 0. 
 
Thompson, Jno. R. DeWitt. 
 
Date of Charter-October 6, 1912. 
 
Began Business-December 17, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $163,057 73 
 
Demand Loans ------------ 12,400 00 Loans Secured by Real Estate 5,391 71 
 
United States Bonds________ 23,736 00 Other Stocks and Bonds____ --------- 
 
Banking House ------------ _________ 
 
Furniture and Fixtures______ 2,494 73 Other Real Estate Owned___ _________ 
 
Due from Banks in this State 1,107 17 
 
Due from Banks in other 
 
States ------------------- 42,574 86 Currency ------------------ 8,613 00 
 
Gold ----------------------- --------- 
 
Silver, Nickels, Pennies_____ 
 
800 18 
 
Advances on Cotton ________ _________ 
 
Advances on other Commodities _________ 
 
Checks for Clearing- House__ --------- 
 
Other Checks and Cash Items 
 
401 99 
 
Customers' Liability on Letters of Credit and Acceptances_ _________ 
 
Overdrafts (if any__________ 
 
58 
 
Other Assets -------------- --------- 
 
Capital Stock Paid In________ $ 25,000 00 
 
Amt. Reserved for Branches --------Surplus Fund -------------- ________ _ Undivided Profits __________ 20,717 77 Dividends Unpaid __________ ________ _ 
 
Due to Banks in this State__ ________ _ 
 
Due to Banks in other States --------Call Money ---------------- ________ _ 
 
Individual Deposits Subject 
 
to Check ---------------- 151,645 33 
 
Demand Certificates of Deposit --------Time Certificates of Deposit 63,283 81 
 
Savings Deposits ---------- ________ _ 
 
Trust Funds on Deposit ____ ________ _ 
 
Cashiers Checks ____________ 
 
539 53 
 
Certified Checks ____________________ _ 
 
Bills Payable -------------- ________ _ Notes and Bills Rediscounted ________ _ 
 
Certificates of Deposit for Borrowed Money _________ ________ _ 
 
Liability on Letters of Credit 
 
and Acceptances _________ ________ _ Reserve for Interest and Taxes ________ _ Other Liabilities __________ ________ _ 
 
Total ____________________ $261 ,186 44 Total --------------------$261,186 44 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $136,68 8 11 Capital Stock Paid In ________ $ 25,000 00 
 
Demand Loans ____________ 12,400 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 9,821 23 Surplus Fund -------------- 10,000 00 
 
United States Bonds ________ 23,736 00 Undivided Profits ---------- 10,767 81 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
Banking House -----------Furniture and Fixtures______ 
 
--------2,494 93 
 
Due to Banks in this State__ Due to Banks in other States 
 
Other Real Estate Owned___ ________ _ Call Money ---------------- 
 
Due from Banks in this State 
 
143 99 Individual Deposits Subject 
 
Due from Banks in other States -----~------------- 
Currency ------------------ 
GS oi llvde r-, - -N-i-c-k-e-l-s ,- -P- e-n- -n-i e-s-_-_-_-_-_- 
 
9,332 20 8,259 00 
-------850 34 
 
to Check ---------------- 1f1,508 22 Demand Certificates of Deposit Time Certificates of Deposit -46~618-87 Savings Deposits _________ _ Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------Advances on othmCommodities Checks for Clearing- House__ 
Other Checks and Cash Items Customers' Liability on .Letters 
 
--------- 
 
- 
 
-----2,343 
 
-1 -o 
 
143 97 
 
Cashiers Checks -----------Certifi.ed Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
1,340 80 
----------- 
 
of Credit and Acceptances_ Overdrafts (if any)________ Other Assets -------------- 
 
--------58 
--------- 
 
Borrowed Money --------Liability on IJetters of Oredit 
and Acceptances ________ _ ReTsaexrvees _f_o_r___I_n_t_e_r_e_s_t___a_n_d_ Other Liabilities _________ _ 
 
977 80 
 
Total --------------------$206,213 50 Total --------------------$206,213 50 
 
. _, 
 
 FIRST ANNUAL REPORT 
 
561 
 
EXAMINEB'S BEPOBT. 
 
BANK OF TUCKER, TUCKER. 
 
At Close of Bus,iness August 2, 1920. 
 
President-P. K. Burns. Cashier-L. S. Burn!!l.. 
 
Directors-P. K. Burns, J. M. Livsey, L. L. Burns, J. H. Brooks, P. E. Hudson, 
 
G. R. Lewis, W. A. Ambrose, J. W. Butt, E S. Cowen, C. M. Carroll, 
 
R. W. Cowen, M. A. Cain, W. T. Pounds, J. M. Henderson. 
 
Date of Charter-October 29, 1919. 
 
Began Busines~December 30, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
DTeimmeanLdoaLnosan-s---_-_-_-_-_-_-_-_-_-_-_-_-_$ 29,960 87 Loans Secured by Real Estate --5~000-00 
 
Capital Stock Paid In ________ $ 15,000 Amt. Reserved for Branches 
Surplus Fund -------------- 
 
00 
 
United States Bonds _______ _ 
 
Undivided Profits ---------- 
 
867 51 
 
Other Stocks and Bonds___ _ 
 
Dividends Unpaid ---------- 
 
Banking House ___________ _ 3,160 00 Due to Banks in this State__ 
 
Furniture and Fixtures ___ _ 1,149 59 Due to Banks in other States 
 
Other Real Estate Owned __ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 9,982 49 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 27,374 27 
 
States ------------------Curl'ency -----------------GSiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ 
 
5,796 86 1,235 00 
 
Demand Ce.rtificates of Deposit Time Certificates of Deposit 
 
-ro~923.75 
 
15 00 Savings Deposits _________ _ 
 
277 32 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------- 
 
Cashier's Checks ---------- 
 
174 05 
 
Advances on other Commodities Checks for Clearing House__ 
 
1,708 78 
 
Certified Checks -----------Bills Payable -------------- 
 
------...../-- 
 
Other Checks and Cash Items 
 
353 90 Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
C"rtificates of Deposit for 
 
of Credit and Acceptances_ 
 
Borrowed Money --------- 
 
Overdrafts (if any)-------- 
 
Liability on Letters of Credit 
 
Other Assets --------------- 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ---------- 2,301) 23 
 
Total --------------------$ 56,639 81 [ Total --------------------$ 56,639 81 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 33,793 71 Capital Stock Paid In~-------$ 15,000 00 Demand Loans ------------ 1,063 39 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds___ _ Banking House -----------Furnltpre and Fixtures _____ _ 
 
3,931 11 
3,160 00 1,984 59 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ 
Due to Banks In other States 
 
1,432 48 
 
Other Real Estate Owned__ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 2,524 13 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-.--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton _______ _ Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items 
 
955 45 827 00 
35 00 408 34 122 73 
264 50 410 6' 
 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits _________ _ Trust Funds on Deposit_ __ _ Cashier's Checks ---------Certified Checks ___________ _ 
Bills Payable -------------Notes and Bills Rediscounted 
 
24,676 23 8,648 75 
80 ss 
-------\.....- 
 
Customers' Liability on 1Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ Overdrafts (if any) _________ _ 
 
Borrowed Money --------175 48 Liability on Letters of Credit 
 
Other Assets: Books and Stationery_____ _ 
 
and Acceptances --------200 2! Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$ 49,838 34 Total --------------------$ 49,838 34 
 
 562 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
TURIN BANKING COMPANY, TURIN. 
At Close of Business August 21, 1920. 
President-Edgar Dominick. Vice-President-G. H. Urquhart. Cashier-F. E. Shell. D>rectors-Edgax Dominick, G. H. Urquhart, J. D. Johnson, J. A. Daniel, J. C. 
Stovall, W. Y. Post. Date of Charter-November 25, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
DTiemmeanLdoaLnsoa-n-s---_-_-_-_-_-_-_-_-_-_-_-_$ 
 
86,651 64,603 
 
77 05 
 
Loans Secured by Real Estate 
 
United States Bonds _______ _ 1,550 00 
 
Other Stocks and Bonds ___ _ 
 
Banking House ___________ _ 1,665 75 
 
Furniture and Fixtures _____ _ 1,989 75 
 
Other Real Estate Owned __ _ 
 
Due from Banks in this State 6,9o4 39 
 
Due from Banks in other 
 
States ------------------- 6,394 36 Currency ------------------ 1,271 00 
 
GSoillvder-,--N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ ---s-&T21 
 
Advances on Cotton -------Advances on other Commodities 
 
Checks for Clearing House__ 
 
Other Checks and Cash Items 
 
Customers' Liability on Letters of Credit and Acceptances_ 
 
Overdrafts (if any) -------- 
 
312 71 
 
Other Assets -------------- 
 
834 00 
 
Capital Stock Paid In ________ $ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 15,000 00 
 
DUnivdiidveinddeds UPrnopfaiitds -_-_-_-__-_-_-_-_--_ 
 
4,392 82 60 00 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 109,7i5 88 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-1-3~252-53 
 
Savings Deposits _________ _ 
 
Cashi.er's Checks ---------- 
 
130 13 
 
BCeirltlisftcPeadyCabhleeck_s_-_-_-_-_-_-__-_-_-_-_--_ -{5~000-{00 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total ---~----------------$172,571 36 ~ Total --------------------$172,571 36 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 70,260 29 Demand Loans ___________ _ 18,000 00 
 
Loans Secured by Real Estate 
 
United States Bonds_______ _ 1,550 00 
 
Other Stocks and Bonds ___ _ 
 
Banking House ------------ 1,665 75 Furniture and Fixtures _____ _ 1,989 75 
 
Other Real Estate Owned __ _ 
 
Due from Banks in this State 7,051 63 
 
Due from Banks in other 
 
States ------------------Currency ------------------ 
 
488 90 650 00 
 
GSoi llvde r-, - -N-i-c-k-e-l-s ,- -P- -e-n-n-i-e-s-_-_-__- -_ 
 
65 11 
 
Advances on Cotton _______ _ 
 
Advances on other Commodities 
 
Checks for Clearing House__ 
 
Other Checks and Cash Items 
 
Customers.' LiabilitY on .Letters 
 
of Credit and Acceptances_ Overdrafts (If any) _______ _ Other Assets _____________ _ 
 
180 14 834 00 
 
Capital Stock Paid In ________ $ 15,000 00 Amt. Reserved for Branches 
 
USunrdpivluidseFd uPnrdof-i-ts---_-_-__-_-_-_-_-_--_ Divide1nds Unpaid _________ _ 
 
15,000 00 4,454 72 
61) 00 
 
Due to Banks In this State__ 
 
Due to Banks In other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------Demand Ce-rtificates of Deposit Time Certificates of Deposit 
Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ 
----========== Certifi,ed Checks __ 
BNioltless PaanydabBleills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
45,207 04 
12,394 '38 
119 43 10,500 00 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$102,735 57 Total --------------------$102,73 0. 57 
 
 l', 
 
FIRST ANNUAL REPORT 
 
563 
 
EXAMINER'S REPORT. 
 
BANK OF TY TY, TY TY. 
 
At Close of Business July 12, 1920. 
 
President-F. B. Pickett. Vice-Presidents~H. A. Land, W. B. Parks. 
 
Cashier-R. S. Cornwall. 
 
Directors-F. B. Pickett, H. A. Land, W. B. Parks, R. S. Cornwall, R. R. Pickett, 
 
G. A. Cornwall, E. J. Cottle. 
 
Date of Charter_,September 13, 1910. 
 
Began Business-1910. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$113,248 22 Demand Loans ____________ 7,769 30 
 
Loans Secured by Real Estate United States Bonds________ Other Stocks and Bonds____ Banking House -----------Furniture and Fixtures______ Other Real Estate Owned___ Due from Banks in this State Due from Banks in other 
States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e--n-n-ie--s-_-__-_--_ 
 
--------1,749 97 
--------2,400 00 2,250 00 
--------8,185 36 
944 23 1,308 00 
187 50 708 41 
 
Advances on Cotton -------- --------- 
 
Advances on othocCommodities --------- 
 
Checks for Clearing House__ --------- 
 
Other Checks and Cash Items 
 
86 90 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
O vaenrcdersa f-t -s - -(-i-f- -a-n- -y-)-------------- -Other Assets -------------- 
 
481 24 
 
Capital Stock Paid In ________ $ 25,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------- 10,955 41 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 30,566 60 Demand Certificates of Deposit Time Certificates of Deposit 26,966 10 
 
Savings Deposits ---------Cashier's Checks ---------- 
 
356 51 
 
Certified Cheeks ------------ -------;-Bills Payable -------------- 45,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Oredit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
474 51 
 
Total --------------------$139,319 13 Total --------------------$139,319 13 . 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________$ 87,895 68 
 
Demand Loans ------------ 12,978 05 
 
Loans Secured oy Real Estate United States Bonds_______ _ 
 
185 10 
 
Other Stocks and Bonds____ 
 
Banking House ------------ 2,400 00 Furniture and Fixtures_____ _ 2,400 00 
 
--------- Other Real Estate Owned __ _ 
Due from Banks in this State 2,729 67 
 
Due from Banks in other 
 
States ------------------Currency ------------------ 
 
580 41l 907 00 
 
GSoillvder-,--N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ ---466-'i:i 
 
Advances on Cotton_______ _ 1,461 11 
 
Advances on other Commodities 
 
Checks for Clearing House__ 
 
Other Checks and Cash Items 3,212 75 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ 
 
Overdrafts (if any)-------- 
 
377 58 
 
Other Assets: 
 
Cash Short ---------------- 
 
65 94 
 
Capital Stock Paid In ________$ 25,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 
 
Undivided Profits ---------- 10,824 43 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 19,788 32 Demand Certificates of Deposit 
 
Time C'ertificates of Deposit 5,688 71 
 
Savings Deposits ---------- 
 
Trust Funds on Deposit_ __ _ 3,085 00 
 
______ __ Cashier's Checks ---------- 
Certified Ch-ecks ------------ 
 
23 _, 01 
 
Bills Payable -------------- 46,750 00 Notes and Bills Rediscounted 4,500 00 Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
 
and Acceptances --------Res1I've for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$115,659 47 Total --------------------$115,659 47 
 
 564 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'l'. 
 
BANK OF UNADILLA, UNADILLA. 
 
At Close of Business October 6, 1920. 
 
President-W. B. Nichols. Vice-President-J. R. Barrfield. Cashier-A. R. Ware. Directors-W. B. Nichols, J. R. Barrfield, Jack Bridges, J. B. Henderson, J. H. 
Fokes. 
 
Date of Charter-July 5, 1898. 
 
Began Business-1898. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$201,122 15 
 
Demand Loans ------------ 10,474 79 
 
Loans Secured by Real Estate 8,000 00 
 
United States Bonds________ 4,000 00 
 
Othr Stocks and Bonds____ --------Banking House and Furni- 
 
ture and Fixtures -------- 5,000 00 Other Real Estate Owned___ _________ 
 
Due from Banks in this State 45,820 04 
 
Due from Banks in other 
 
States ------------------- 8,739 68 
 
Currency ------------------ 13,103 00 
 
Gold ---------------------- 
 
120 00 
 
Silver, Nickels, Pennies_____ 1,175 89 
 
Advances on Cotton -------- --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ 
 
129 06 
 
Other Checks and Cash Items 2,808 10 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any)-------- --------- 
 
Other Assets -------------- 
 
168 63 
 
Capital Stock Paid In ________ $ 50,000 00 Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------- 24,688 31 Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States Call Money ---------------Individual Deposits Subject 
to Check ---------------- 161,616 37 Demand Certificates of Deposit Time Certificates of Deposit 62,446 52 Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks ---------- 1,910 14 Certifi,ed Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit ror 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances --------Reserve for Interest and Taxes 
Other Liabilities ---------- 
 
Total --------------------$300,661 34 Total --------------------$300,661 34 
 
BANK'S ST'A'l'EMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Demand Loans ------------~ 21,427 69 
 
Time Loans ---------------- 189,478 06 
 
Loans Secured by Real Estate --------United States Bonds________ 4,000 00 
 
Other Stocks and Bonds____ --------- 
 
Banking House ------------ 3,000 00 Furniture and Fixtures______ 2,600 00 
 
Other Real Estate Owned___ --------Due from Banks in this State 21,841 43 
 
Due from Banks in other States ~----------------- 
Currency -----------------GSiolvlder, --N-i-c-k-e-i~s,--P--e-n-n-i-e-s-_-_-_-_-_ 
 
4,709 37 8,340 00 
127 50 765 23 
 
Advances on Cotton -------- --------Advances on other Commodities --------- 
 
Checks for Clearing House__ --------- 
 
Other Checks and Cash Items 
 
156 63 
 
Customers<' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any)-------- --------- 
 
Other Assets -------------- -------\-- 
 
Capital Stock Paid In________ $ 50,000 00 ASumrtp. luRsesFeurnvded__f_o: _r__B_r_a_n_c_h__es_ Undivided Profits _________ _ 24,415 13 Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
to Check ---------------- 121,863 (JS 
7o Demand Certificates of Deposit 
Time Certificates of Deposit -6-o~iiiiSavings Deposits ---------Trust Funds on Deposit___ _ 
Cashier's Checks ----------Certified Che,cks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities ---------- 
 
Total --------------------$256,445 91 Total --------------------$256,445 91 
 
 FIRST ANNUAL REPORT 
 
565 
 
EXAMINEB.'S B.EFOB.T. 
 
COMlVIERCIAL BANK, UNADILLA. 
 
At Close of Business October 5, 1920. 
 
President-C. A. Horne. Cashier-S. Manuel, Jr. Directors-C. A. Horne, S. Manuel, J. W. Saunders, M. H. Leggett, W. C. Griggs. 
 
Date of Charter-August 5, 1907. 
 
Began Business-August, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Tinrre Loans ----------------$ 89,348 82 
Denrrand Loans ------------ 4,965 43 
 
Loans Secured by Heal Estate United States Bonds------~Other Stocks and Bonds___ _ 
 
5,000 00 838 57 
3,000 00 
 
Banking House ------------ 10,479 26 Furniture and Fixtures_____ _ 1,420 00 
 
Other Real Estate Owned___ _ 
 
Due fronrr Banks in this State 15,043 86 
 
Due fronrr Banks in other 
 
States -------~---------- Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton________ 
 
9,136 34 3,255 00 
127 50 559 70 3,122 95 
 
Advances on other Commodities 
 
Checks for Clearing House__ 
 
67 41 
 
Other Checks and Cash Items 
 
222 00 
 
Custonrrers' Liability on Letters 
 
of Credit and Acceptances_ 
 
Ov,erdrafts (if any)-------- 
 
Other Assets -------------- 16,000 00 
 
Overdrafts ---------------- 
 
939 27 
 
Capital Stock Paid In ________$ 34,000 00 
 
Anrrt. Reserved for Branches 16,000 00 
 
Surplus Fund -------------- 
 
Undivided Profits ---------- 5,656 39 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 51,620 22 Demand Certificates of Deposit 
 
Tinrre Certificates of Deposit 23,376 98 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ 
 
2,872 52 
 
Certified Checks -----------Bills Payable -------------- 
 
-3-0~000 ...00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Oredit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$163,526 11 Total --------------------$163,526 11 
 
BANK'S STATEMENT at Close of Business Decenrrber 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Tinrre Loans ----------------$122,039 55 
 
Denrrand Loans ------------ 11,380 74 
 
Loans Secured by Real Estate 10,000 00 
 
United States Bonds________ 1,017 65 
 
Other Stocks and Bonds____ 3,000 00 Banking House ------------ 10,479 26 
 
l<'urniture and Fixtures______ 2,383 25 
 
Other Real Estate Owned____ 2,182 00 
 
Due fronrr Banks in this State 11,860 15 
 
Due fronrr Banks in other 
 
States --------<----------- 6,&45 79 
 
Currency ------------------ 1,095 00 
 
Gold ---------------------- 
 
540 00 
 
Silver, Nickels, Pennies_____ 1,048 84 
 
Advances on Cotton________ 2,792 67 
 
Advances on other Conrrmodities --------- 
 
Checks for Clearing House 
 
and Other Checks and Cash 
 
Itenrrs ------------------- 1,370 42 Custonrrers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any)__________ 
 
265 94 
 
Other Assets -------------- --------- 
 
Capital Stock Paid In________$ 34,000 00 
 
Anrrt. Reserved for Branches 
 
Farnrrers & Pinehurs 
 
t 
 
, 
 
Merc Ga. 
 
h-a-n-t-s--B--a-n-k~ 
 
16,000 00 
 
Surplus Fund -------------Undivided Profits _________ _ 5,018 45 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------- 
 
Individual Deposits Subject 
 
to Check ---------------- 44,471 94 
 
Denrrand Certificates of Deposit Time Certificates of Deposit 
 
-3-8~426-ii:i 
 
Savings Deposits ---------- 
 
Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ---------- 
 
Certified Checks ------------ 
 
Bills Payable -------------- 48,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total -----------~--------$188,911 26 Total --------------------$188,911 26 
 
 566 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.T. 
BANK OF UNION POINT, UNION POINT. 
At Close of Business August 21, 1920. 
President-Harold Lamb. Vice-President-!. W. Ivey. Cashier-R. A. Rhodes. Directo.rs-H. Lamb, I. W. Ivey, J. H. Sibley, R. A. Rhodes, J. A. Elliott, J. E. 
Carlton. Date of Charter-May, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$133,838 01 Capital Stock Paid In________ $ 25,000 00 
 
Demand Loans ------------ 27,120 59 Amt. Reserved for Branches Loans Secured by Real Estate --------- Surplus Fund -------------- 25,000 00 United States Bonds________ 1,000 00 Undivided Profits ---------- 1,898 41 
 
Other Stocks and Bonds____ 9, 765 00 Dividends Unpaid - - - - - - - - - - 
 
2 50 
 
Banking House ------------ 3,773 68 Due to Banks in this State __ Furniture and Fixtures______ 3,161 37 Due to Banks in other States -------l-- 
 
Other Real Estate Owned____ 1,478 15 Call Money ---------------Due from Banks in this State 13,839 11 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GSiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ 
Advances on Cotton -------Advances on othocCommodities Checks for Clearing House__ 
 
7,690 79 2,573 00 
55 00 534 24 
------------------------- 
 
Detmo aCnhdeckCe-r-ti-f-i-c-a-te-s---o-f--D--e-- 152,258 06 
 
posit -------------------Time Certificates of Deposit 
 
383 82 700 00 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ---------Certified Checks ___________ _ 
 
633 87 
 
Other Checks and Cash Items 
 
180 80 Bills Payable -------------- 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted 
 
of Credit and Acceptances_ --------- Certificates of Deposit for 
 
Overdrafts (if any) _______ _ 
 
607 22 Borrowed Money --------- 
 
Other Assets -------------- 
 
259 70 Liability on Letters of Credit 
 
and Acceptances --------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------~205,876 66 Total --------------------$205,876 66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$113,598 51 Capital Stock Paid In ________'$' 25,000 00 
 
Demand Loans ------------ 63,075 87 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ------- Surplus Fund -------------- 25,000 00 United States Bonds________ --1,000 00 Undivided Profits ---------- 2,500 92 Other Stocks and Bonds____ --------- Dividends Unpaid __________ 
 
Banking House ------------ 3,773 68 Due to Banks in this State__ 
 
Furniture and Fixtures ____ 3,161 37 Due to Banks in other States 
 
Other Real Estate Owned____ 1,478 15 CaH Money ---------------- 
 
Due from Banks in this State 3,834 75 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 139,676 24 
 
States ------------------- 
 
731 47 Demand Certificates of Deposit 
 
Currency ------------------ 1,846 00 Time Certificates of Deposit__ 
 
700 00 
 
Gold -------~-------------- 
 
45 00 Savings Deposits ---------- 
 
Silver, Nickels, Pennies_____ 
 
296 91 Trust Funds on Deposit_ __ _ --------~ 
 
Advances on Cotton -------- --------- Cashie,r's Checks ----------- 
 
825 41 
 
Advances on othetrCommodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ 
 
61'9 47 Bills Payable -------------- 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ --------- Borrowed Money --------- 
 
Overdrafts (if any)-------- 
 
24 35 J..iability on Letters of Credit 
 
Other Assets -------------- 
 
214 70 and Acceptances --------- 
 
Cash Short ---------------- 
 
2 34 Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$193,702 57 Total --------------------$193,702 51 
 
 FIRST ANNUAL REPORT 
 
567 
 
EXAlllliN'EB.'S B.EPOB.T. 
 
ASHLEY TRUST COMPANY, VALDOSTA. 
 
At Close of Business October 5, 1920. 
 
President-T. M. Smith. Vice-Presidents-J. N. Bray, C. R. Ashley, A. S. Pendleton. 
 
D. C. Ashley, J. V. Blitch. Cashier-S. A. Smith. 
 
Directors-T. M. Smith, J. N. Bray, C. R. Ashley, A. S. Pendleton, J. Y. Blitch, 
 
Abial Winn, S. A. Smith, J. R. Slater, M. R. Ousley, 0. K. Jones, J. R. 
 
Dasher, J. M. Smith, G. L. Patterson, D. C. Ashley. 
 
Date of Charter-March, 1913. 
 
Began Business-April, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ --------- Capital Stock Paid In________$100,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
Amt. Reserved for Branches --------Surplus Fund ---~---------- 32,500 00 
 
United States Bonds_______ _ 
 
Undivided Profits ---------- 152,508 40 
 
Other Stocks and Bonds___ _ 
 
Dividends Unpaid ------------ -------- 
 
FBuarnnkiitnugreHaonudse F-ix--tu-r-e-s-_-----_-_- 
 
-_-__--- -_-__-_--_ 
 
Due to Banks in this State__ Due to Banks in other States 
 
40,000 00 --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------- 
 
Due from Banks in this State 34,613 98 Individual Deposits Subject 
 
CDuurerefrnocmy B_a_n_k_s_i_n__o_th__e_r _S_t_a_t_e_s 
 
-_-_-_-__-_-_-_- -_ 
 
to Check ---------------Demand Certificates of Deposit 
 
------...1.-- 
--------- 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--en--n-ie-s-_-_-_-_-_- -_-_-_-__-_-_-_--_ STaimviengCs erDtiefpicoastietss o_f__D__e_p_o_s_i_t 3_4_9_,_1_4_7__29_ 
 
AAddvvaanncceess oonnotChoetrtConom-m--o-d-i-ti-e-s 
 
-_ -_ -_ _- _- _-_-_- -_ 
 
Trust Funds on Deposit____ Cashier's Checks ----------- 
 
________ _ --------- 
 
Checks for Clearing House__ --------- Certified Checks ------------ --------- 
 
Other Checks and Cash Items --------- Bills Payable -------------- --------- 
 
Customers,' Liability on Letters 
 
Notes and Bills Rediscounted 12,500 00 
 
Ovoef.rCdrraefdtist a(nifd aAncyc)e_p_t_a_n_c_e_s__ 
 
_- -_ _- _- _- _-_-_- -_ 
 
Certificates of Deposit for Borrowed Money --------- 
 
--------- 
 
Other Assets -------------- 
 
44 95 Liability on Letters of Credit 
 
ReasnedrveAcfocrepIntatenrceesst a-n--d-T--a-x-e-s -_-__-_-_-_-_-_--_ 
 
Other Liabilities ---------- 1,409 11 
 
Total --------------------$688,064 80 Total -------------------$688,064 80 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 25,1}00 00 Demand Loans ------------ 6,650 00 Loans Secured by Real Estate 640,767 63 United States Bonds_______ _ 7,000 00 Other Stocks and Bonds ___ _ 500 00 FBuarnnkiitnugr e Haonuds eF i-x-t u- -r -e-s-_-_-__-_- -_ 
 
Capital Stock Paid In________$100,000 00 
Amt. Reserved for Branches --------Surplus Fund ----~--------- 32,500 00 Undivided Profits Earned and 
Unearned ---------------- 163,280 77 Dividends Unpaid ---------- _________ Due to Banks In this State__ ________ _ 
 
Other Real Estate Owned___ _ 
 
Due to Banks in other States _______,__ 
 
Due fram Banks in this State 12,831 77 Call Money ---------------- --------- 
 
Due from Banks in other States 
 
Individual Deposits Subject 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s_-_-_-_--_ 
 
Detmo anCdheCcek,rt-if-ic-a-t-e-s-o-f--D-e-p-o-s-i-t -__-_-_-_-_-_-__-_Time Certificates of Deposit 383,030 97 
 
Advances on Cotton -------Advances on other Commodities Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances_ Overdrafts (if any)-------- 
 
Savings Deposits ---------Trust Funds on Deposit____ Cashier's Checks ----------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
--------1,437 66 
----------------_1_2~5oo-oii 
 
Other Assets -------------- 
 
Borrowed Money --------- --------Liability on Letters of Credit 
 
and Acceptances --------- --------Reserve for Interest and Taxes --------- 
 
Other Liabilities ---------- --------- 
 
Total --------------------$692,749 40 Total --------------------$692,749 40 
 
 568 
 
BANKING DEPARTMENT 
 
E:XAMilii'EB'S BEPOB'l'. 
BANK OF VALDOSTA, VALDOSTA. 
At Close of Business October 2, 1920. 
President-E. P. Rose. Vice-Presidents-A. L. Davis, J. R. Dasher. Cashier-W. F. Staten. 
Directors-E. P. Rose, A. L. Davis, J. R. Dasher, Chas. I. Howen, P. C. Pendleton, A. J. Strickland, W. L. Fender, R. C. Stapler, J. C. Wilson, E. K. Wilcox, T. B. Converse, L. L. Robinson, D. G. ' Malloy, S. J. Fakcloth, A. M. Watson. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$685,592 51 Demand Loans ____________ 45,237 29 
 
Loans Secured by Real Estate --------- 
 
United States Bonds________ 
 
300 00 
 
Other Stocks and Bonds ____ 10,000 00 Banking House ____________ 40,000 00 
 
Furniture and Fixtures______ 10,000 00 
 
Other Real Estate Owned__ 3,856 38 
 
Due from Banks in this State 40,705 52 
 
Due from Banks In other 
 
States ------------------Currency ------------------ 
SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton ________ 
 
10,271 43 
17,013 00 507 50 706 95 
--------- 
 
Advances on other Commodities --------Checks for Clearing House__ 6,507 64 Other Checks and Cash Items 4,891 76 
 
Customers' Liability on Letters 
 
of Credit and Overdrafts (if 
 
Acceptances_ any) _______ _ 
 
--------47 84 
 
Other Assets -------------- 1,100 00 
 
Capital Stock Paid In________$200,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-4-0~000-00  
 
Undivided Profits ---------- 14,967 14 
 
Dividends Unpaid ---------- --------Due to Banks in this State__ --------Due to Banks in other States --------- 
 
Call Money ---------------- --------Individual Deposits Subject 
 
to Check ---------------- 271,754 35 Demand Certificates of Deposit --------Time Certificates of Deposit 2'15,309 05 
 
Savings Deposits ---------- 108,115 56 
 
Trust Funds on Deposit____ 
 
15 00 
 
Cashier's Checks ----------- 
 
732 55 
 
Certified Checks ------------ 
 
844 17 
 
Bills Payable ______________ 25,000 00 
 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _________ 
 
----------->-------------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ---------- --------- 
 
Total ---~----------------$876,737 82 Total --------------------$876,737 82 BANK'S STATEMENT at Close of Business Decembe,r 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------~---$685,304 83 
 
Demand Loans ____________ 49,255 00 
 
Loans Secured by Real Estate --------- 
 
United States Bonds________ 
 
300 00 
 
Other Stocks and Bonds____ 10,000 00 
 
Banking House ------------ 40,000 00 Furniture and Fixtures______ 10,000 00 
 
Other Real Estate Owned____ 3,856 38 
 
Due from Banks in this State 62,042 74 
 
Due from Banks in other 
 
States ------------------- 44,831 81 
 
Currency ------------------ 20,129 00 
 
Gold ---------------------- 
 
500 00 
 
Silver, Nickels, Pennies_____ 2,01i8 71 
 
Advances on Cotton ________ --------- 
 
Advances on other Commodities _________ 
 
Checks for Clearing House__ 4,565 03 
 
Other Checks and Cash Items 6,550 94 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any)-------- --------- 
 
Other Assets -------------- --------- 
 
Capital Stocl' Paid In ________$200,000 00 Amt. Reserved for Branches --------Surplus Fund -------------- 40,000 00 Undivided Profits __________ 25,914 52 
Dividends Unpaid ---------- --------Due to Banks in this State__ --------Due to Banks in other States ________ _ 
Call Money ---------------- --------Individual Deposits Subject 
to Check ---------------- 271,530 33 Demand Certificates of Deposit _____ --Time Certificates of Deposit 237,318 52 Savings Deposits __________ 109,365 36 Trust Funds on Deposit____ ---------' Cashier's Checks ---------- 2,053 59 Certified Checks ------------ 3,212 12 Bills Payable -------------- 50,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money _________ --------Liability on Letters of Credit 
and Acceptances _________ ________ _ Reserve for Interest and Taxes ________ _ 
Other Liabilities ---------- --------- 
 
Total --------------------$939,394 44 
 
 FIRST ANNUAL REPORT 
 
569 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK, VALDOSTA. 
 
At Close of Business November 3, 1920. 
 
President-J. F. Lewis. Vke-Presidents-T. B. Converse, G. w. Varn. 
 
Directors-T. 
 
S. 
 
McKey, 
 
A. 
 
Cashier-H. B. Smith, 
 
D. J. 
 
s.S 
 
tevens. Plowden, 
 
L. 
 
L. 
 
Dougherty, 
 
A. 
 
\V. 
 
Varidoe, W. A. Goodwin, W. L. Varn, A. P. Rose, Jno. F. Lewis, Miss 
 
Caro Lewis, Miss Pearl Lewis, Miss Ruth Converse. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,250,219 04 Capital Stock Paid in ______$150,000 00 
 
Demand Loans ----------- 697,279 00 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Es 
 
Surplus Fund ______________ 50,000 00 
 
tate -------------------- ---------- Undivided Profits ---------- 281,098 10 United States Bonds______ 41,118 79 Dividends Unpaid __________ --------- 
 
Other Stocks and Bonds__ 
 
8,200 00 Due to Banks in this State __ 115,668 41 
 
Banking House __________ 
 
4,000 00 Due to Banks in other States 50,614 23 
 
Furniture and Fixtures____ ---------- Call Money ---------------- --------- 
 
Due from Approved Re- 
 
Individual Deposits Subject 
 
serve Agents ---------- 211,510 08 to Check ---------------- 508,872 58 
 
Due from Banks in other 
 
Demand Certificates of Deposit 22,265 20 
 
States ----------------- ---------- Time Certificates of Deposit 462,771 36 
 
Currency ---------------- 25,422 00 Savings Deposits ---------- 425,706 55 
 
Gold --------------------- 
 
2,650 00 Trust Funds on Deposit____ --------- 
 
Silver, Nickels, Pennies____ 
 
1,021 82 Cashier's Checks ___________ 1,689 71 
 
Advances on Cotton______ 30,267 11 Certified Checks ------------ 
 
226 26 
 
Advances on other Com- 
 
Bills Payable -------------- 49,000 00 
 
modities --------------- ---------- Notes and Bills Rediscounted 193,529 01 
 
Checks for Clearing House 
 
2,377 90 Certificates of Deposit for 
 
Other Checks and Cash Items ------------------ 
Customers' Liability on Letters of Credit and Ac- 
 
Borrowed Money --------- --------466 44 Liability on Letters of Oredit 
and Acceptances --------- --------Reserve for Interest and Taxes ________ _ 
 
ceptances -------------- ---------- Other Liabilities -----------Overdrafts (if any)-------- 23,522 66 
 
166 85 
 
Other Assets ------------ 33,524 02 
 
Total ------------------$2,311,608 86 Total ------------------$2,311,608 86 
 
BANK'S STATEMENT at' Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,787,523 38 Demand Loans ___________ 71,072 91 Loans Secured by Real Es 
 
Untiatteed --S-t-a-t-e-s--B--o-n-d-s---a-n-dother Stocks and Bonds_ 
Banking House and Furniture and Fixtures ------ 
Due from Banks in this 
 
---------49,818 88 4,000 00 
 
State -----------------Due from Banks in other 
States -----------------Currency ----------------Gold --------------------Silver, Nickels, Pennies ___ _ Advances on Cotton _____ _ Advances on other Commod- 
 
109,969 48 
129,729 35 19,374 00 2,675 00 870 18 18,183 88 
 
Chiteicekss -f-o--r --C-l-e-a-r-in-g---H-o-u--s-e Other Checks and Cash 
Items -----------------Customers' Liability on Let- 
ters of Credit and Ac- 
 
_- _- _-_-_-_-_-_-_- -_ 3,727 08 
 
Ovceerpdtaranfctess (i-f -a-n-y--)--_-_-__-_-_--_ 
 
---------2,405 29 
 
Other Assets ------------- ---------- 
 
Capital Stock Paid in -----$ Amt. Reserved for Branches Surplus Fund -----------Undivided Profits -------Dividen'ds Unpaid _______ _ Due to Banks In this State Due to Banks in other 
States ----------------Call Money --------------Individual Deposits Subje-ct 
to Check --------------Demand Certificates of De- 
posit ------------------Time Certificates of Deposit Savings Deposits _________ _ Cashier's Checks _________ _ Certified Checks _________ _ Bills Payable _____________ _ Notes and Bills Redis- 
counted ---------------Certificates of Deposit for 
Borrowed Money _______ _ Liability on Letters of Credit 
and Acceptances _______ _ Reserve for Interest and 
Taxes ------------------ 
 
150,000 00 
50,000 00 286,851 30 
59,062 2~ 
11,506 34 
478,103 21 
493,407 40 425,959 95 
4,333 04 226 26 
63,000 00 
176,899 6~ 
 
Total ------------------$2,199,349 43 Total ------------------$2,199,349 43 
 
 ~-~---------~--------.,.....-""''!l!l!l~- 
1 
 
570 
 
BANKING DEPART.MENT 
 
EX:AMmER'S REPORT. 
 
THE EXCHANGE BANK, VALDOSTA. 
 
At Close of Business October 4, 1920. 
 
President-A. C. .Mizell. Vice-President-W. H. Simms. Cashier-W. 0. Roberts. 
 
Directors-G. B. .Martin, J. W. Garbutt, M. M. Blanton, E. P. Quillian, G. A. 
 
Whitaker. 
 
Date of Charter-July 30, 1912. 
 
Began Business-September ;, l~J 2. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________$287,676 16 
 
Demand Loans ------------ 8,728 22 Loans Secured by Real Estate --------United States Bonds ________ 8,776 48 Other Stocks and Bonds ____ 1,300 00 
 
Banking House -----------Furniture and Fixtures Other Real Estate Owned Due from Banks in this State Due from Banks in other CuSrtraetnecsy --_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_--_ 
GSiolvlder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
--------8,987 68 482 82 8,642 34 
7,143 60 9,741 00 
35 00 565 06 
 
A<;lvances on Cotton -------- --------- 
 
Advances on otheTCommodities --------- 
 
Checks for Clearing House __ 4,551 04 
 
Other Checks and Cash Items 
 
579 53 
 
Customers' Liability on Letters 
 
of Credit and Acceptances 10,000 00 
 
Overdrafts (if any)-------- --------Other Assets -------------- 7,039 34 
 
Capital Stock Paid in ______$100,000 00 
 
Amt. Reserved for Branches ---~----~ 
 
Surplus Fund -------------- 14,800 00 
 
Undivided Profits ---------- 6,484 40 
 
Dividends Unpaid ---------- 
 
3 (}O 
 
Due to Batiks in this State__ --------Due to Banks in other States ______ ., __ 
 
Call Money ---------------- --------Individual Deposits Subject 
to Check ---------------- 95,654 94 Demand Certificates of Deposit --------Time Certificates of Deposit 43,623 30 
 
Savings Deposits ---------Trust Funds on Deposit____ 
Cashier's Checks -------.---Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Ge,rtificates of Deposit for 
 
46,729 45 --------- 
555 18 62 77 
39,500 00 
6,835 23 
 
Borrowed Money --------- --------Liability on Letters of Credit 
and Acceptances ________ 10,000 00 Reserve for Interest and Taxes ________ _ 
 
Other Liabilities ---------- --------- 
 
Total --------------------$364,248 27 Total --------------------$364,248 27 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $212,751 89 Capital Stock Paid In _______ $100,000 00 
 
Demand Loans ____________ 41,772 24 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate 33,786 00 Surplus Fund ------------- 14,800 00 
 
United States Bonds________ J 0,444 08 Undivided Profits ---------- 8,866 49 
 
Other Stocks and Bonds____ J ,300 00 Dividends Unpaid ---------- 
 
3 00 
 
Banking House ____________ --------- Due to Banks in this State__ _________ 
 
Furniture and Fixtures____ 8,987 68 Due to Banks in other States ------- __ 
 
Other Real Estate Owned____ 
 
482 82 Call Money ---------------- --------- 
 
Due from Banks in this State 16,756 43 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ________________ 83,038 14 
 
States ------------------- 5,595 27 Demand Certificates of Deposit --------- 
 
Currency ------------------ J 1,262 10 Time Certificates of Deposit 38,281 9f> Gold ---------------- _______ --------- Savings Deposits __________ 44,513 62 
 
Silver, Nickels, Pennies_____ 1,057 25 Trust Funds on Deposit____ --------- 
 
Advances on Cotton -------- --------Advances on othe,r Commodities --------Checks for Clearing House__ 2,156 08 
 
Cashier's Checks ---------Certified Checks ___________ _ Bills Payable _____________ _ 
 
739 24 
35 00 13,000 00 
 
Other Checks and Cash Items 
 
647 60 Notes and Bills Rediscounted 51,534 66 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances 10,000 00 Borrowed Money --------- --------- 
 
Overdrafts (if any)________ --------- Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances _________ 10,000 00 
 
Transit Item -------------- 4,362 66 Reserve for Interest and Taxes ________ _ 
 
Stock in Feder.al Reserve 
 
Other Liabilities __________ --------- 
 
Bank -------------------- 3,450 00 
 
Total --------------------$364,812 10 Total --------------------$364,812 10 
 
 FIRST ANNUAL REPORT 
 
571 
 
EXAMINER'S BEPOBT. 
 
MERCHANTS BANK, VALDOSTA. 
 
At Close of Bus,iness October 6, '1920. 
 
President-H. Y. Tillman. Vice-Presidents-A. F. Winn, Jr., E. P. S. Denmark. 
 
Cashier-T. I. Denmark. 
 
Directors-H. Y. Tillman, A. F. Winn, Jr., Mills B. Lane, E. W. Lane, E. P. S. 
 
Denmark, J. T. Mathis, L. W. Shaw, C. Strickland, Howrurd Harris, T. M. 
 
Vinson, C. L. Jones, W. T. Lane, B. H. Jones, H. F. Tillrman. 
 
Date of Charter-December 26, 1888. 
 
Began Business-December 26, 1888. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans --------------$1,305,219 93 Capital Stock Paid In _____ $ 100,000 00 
 
Demand Loans __________ 154,412 03 Amt. Reserved for Branches ---------- 
 
Loans Secured by Real Es- 
 
Surplus Fund ____________ 100,000 00 
 
Untiatteed --S-t-a-te-s---B-o-n-d--s -__-_-_-_--_ 
 
53,725 00 Undivided Profits --------- 111,974 55 24,868 30 Dividends Unpaid _________ ---------- 
 
Other Stocks and Bonds __ Banking House --------~Furniture and Fixtures ___ _ 
 
Due to Banks in this State 158,411 10 
 
29,811 8ii 22,188 80 
 
DuSetatetos 
 
_B_a_n_k__s___in____o_t_h_e_r 
 
75,000 00 
 
Other Real Estate Owned __ Due from Banks in this 
 
10,377 71 
 
Individual Deposits Subject to Check _______________ 
 
512,213 83 
 
State ------------------Due from Banks in other 
 
172,272 51 Depmoasnitd C__e_r_ti_f_i_c_a_te_s__o_f__D__e_- 
 
25,584 83 
 
States ----------------Currency ---------------Gold --------------------Silver, Nickels, Pennies __ _ Admvaondcietises on____o_t_h_e_r___C_o_m__- 
 
49,568 05 38,965 00 
2,152 50 3,552 72 
_________ _ 
 
Time Certificates of Deposit Savings Deposits _______ _ Trust Funds on Deposit ___ Cashier's Checks _______ _ Certified Checks _________ _ Notes and Bills Redis- 
 
322,251 90 477,376 08 
---------5,068 93 115 00 
 
Checks for Clearing House 10,484 79 counted ---------------- ---------- 
 
Other Checks and Cash 
Items -----------------Customers' Liability on Let- 
ters of Credit and Accept- 
 
182 10 CeBrtoirfricoawteesd MofonDeyep_o_s_i_t __f_o_r _________ _ Liability on Letters of Credit and Acceptances__ _________ _ 
 
Oavnecrdesra-ft-s--(-i-f -a-n-y-)--_-_-_-_-__-_--_ Other Assets ___________ _ 
 
---9-, -7-97---60- 
 
Reserve for Interest and Taxes ------------------ 
 
3,600 00 
 
4,017 33 Other Liabilities ________ ------------ 
 
Total ------------------Sl,891,596 22 Total __________________ $1,891,596 22 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $1 ,253,673 33 Capital Stock Paid In ______ $ 100,000 00 
 
Demand Loans __________ 67,844 03 Amt. Reserved for Branches ---------- 
 
Loans Secured by Real Es- 
 
Surplus Fund ------------ 100,000 00 
 
tate -------------------- _________ _ Undivided Profits -------- 119,222 33 
 
United States Bonds _____ _ 24,868 30 Dividends Unpaid ____ .,____ ---------- 
 
Other Stocks and Bonds __ 
 
Due to Banks in this State 54,861 74 
 
Banking House _________ _ 31,309 32 Due to Banks in other 
 
Furniture and Fixtures ___ _ 24,180 32 States ----------------- ---------- 
 
Other Real Estate Owned __ 10,377 71 Individual Deposits Subject 
 
Due from Banks in this 
 
to Check --------------- 400,576 93 
 
State ------------------ 159,7!)4 24 Demand Certificates of De- 
 
Due from Banks in other 
 
posit ------------------ 50,354 83 
 
States ----------------Currency ---------------- 
 
44,213 87 Time Certificates of Deposit 325,363 98 20,205 00 Ravings Deposits _______ _ 503,439 02 
 
Gold --------------------Silver, Nickels. Pennies __ _ 
 
2,022 50 Trust Funds on Deposit ___ ---------- 
 
2,270 28 Cashier's Checks ________ _ 
 
2,402 30 
 
Advances on Cotton ______ _ Advances on other Com- 
 
2,993 
 
55 
 
Certified Checks _________ _ Bills Payable _____________ 
 
_ _ _ _ _2_0_9 _ _60_ 
 
modities ______________ _ OtIhteerms C_h_e_c_k_s___a_n_d____C_a_s_h_ 
 
---------8,231 40 
 
Noctoeus nteadnd___B__i_ll_s___R__e_d_i_s_Certificates of Deposit for 
 
_________ _ 
 
Checks for Clearing Honse _________ _ Borrowed Money ________ ---------- 
 
Customers' Liability on Let- 
 
Liability on Letters of 
 
ters of Credit and Accept- 
 
Credit and Acceptances__ _________ _ 
 
ances ------------------- _________ _ Reserve for Taxes_______ _ 
 
4,4 00 00 
 
Overdrafts (if any) _______ _ 
 
8,886 ss Other Liabilities ________ ------------ 
 
Total ------------------$1,660,830 73 Total __________________ $1,660,830 73 
 
 572 
 
BANKING DEPARTMEN'f 
 
E:XAMINEB'S li:.El'OBT. 
 
THE BANK OF VIDALIA, VIDALIA. 
 
At Close of Business October 12, 1920. 
 
President-J. F. Darby. Vice-President-E. 'f. McBride. Cashier-W. A. Dickinson. 
 
Directors-J. F. Darby, C. W. Hamilton, E. 'f. McBride, F. L. Huie, L. B. Godbee. 
 
Date of Charter-January 31, 1906. 
 
Began Business-January 31, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$139,579 71 Capital Stock Paid In ________ $ 15,000 00 
 
Demand Loans ------------ 46,774 48 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 
 
United States Bonds -------- 
 
150 00 Undivided Profits _________ _ 
 
Other Stocks and Bonds____ 2,896 00 Dividends Unpaid _________ _ 
 
Banking House ____________ 2,200 00 Due to Banks in this Stat<e __ 
 
Furniture and Fixtures____ 4,550 00 Due to Banks in other States 
 
Other Real Estate Owned____ 6,414 66 Call Money ---------------- 50,000 00 
 
Due from Banks in this State 5,448 87 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 32,307 50 
 
States -----------------Currency ------------------ 
Cash ---------------------Gold ----------------------Silver, Nickels, Pennies_____ 
 
1,594 18 --------- 
5,928 61 ----------------- 
 
Demand Certificates of Deposit Time Certificates of Deposit Ravings Deposits _________ _ Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ 
 
-8-4,5ii9-5s 
14,137 80 
640 60 
 
Advances on othea:-Commodities Checks for Clearing House__ 
 
----------------- 
 
CBei lrltsi f iPe da yCa bh el ec k_s _-_-_ -_ _- _- _- _-_-_-_-_- -_ 
 
20,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ ________ _ Borrowed Money _______ _ 8,500 00 
 
Overdrafts (if any) _______ _ 
 
6 77 L.iability on Letters of Oredit 
 
Other Assets: 
 
tmd Acceptances --------- 
 
Sundry Banks -------------- 5,423 90 Reserve for Interest and Taxes 
 
Witham Fire Insurance Fund 
 
120 00 Other Liabilities: 
 
Depositors' Guarantee Fund_ 3,459 85 Cash Long ---------------- 
 
Profit and Loss ______ ~----- 
 
619 19 
 
70 74 
 
Total --------------------$225,166 22 Total --------------------$225,166 22 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$117,501 96 
 
Demand Loans ____________ 12,824 84 
 
Loans Secured by Real Estate 1 4,8~6 95 
 
United States Bonds________ 
 
150 00 
 
Other Stocks and Bonds____ 2,800 00 
 
Ranking House ____________ 2,200 00 
 
Furniture and Fixturefl____ 4,5n0 00 
 
Other Real Estate Owned____ 6,414 66 
 
Due from Banks in this State 11,369 41 
 
Due from Banks in other 
 
States ------------------- 1,132 09 
 
Currency ------------------ 2,615 00 
 
Gold ----------------------- 
 
25n 00 
 
Rilver, Nickels. Pennies_____ 1.705 06 
 
AdvaneeS on Cotton________ 9,532 00 
 
Advances on othmCommodities _________ 
 
Checks for Clearing House__ 1,626 ~7 
 
Other Checks and Cash Items 
 
183 62 
 
Customers' I ..iahility on Letters 
 
of Credit and Acceptances_ _________ 
 
Ov6rdrafts (if any)________ --------- 
 
Other Assets: 
 
Profit and Loss_______________ 2,111 86 
 
Capital Stock Paid In ________ $ 15,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 
 
Undivided Profits ---------Dividends Unpaid _________ _ 
 
Due to Banks in this State__ 
 
Due to Banks in other States 47,000 00 
 
Call Money ---------------- 
 
Individual Deposits Subject 
 
to Check --------- ______ _ 23,307 77 
 
DAmand Certificates of Deposit Time Certificates of Deposit 
 
-6{319-63 
 
Ravings Deposits _________ _ 17,346 51 
 
Trust Funds on Deposit_ __ _ 
 
Cashier's Checks _________ _ Certified Checks ___________ _ 
 
134 91 
 
Bills Payable -------------- 20,000 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Ca:edit 
 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities _________ _ 
 
Total --------------------$192,108 82 Total --------------------$192,108 82 
 
 FIRST ANNUAL REPORT 
 
573 
 
EXAMINER'S BEPOBT. 
 
CITIZENS BANK, VIDALIA. 
 
At Close of Business. August 10, 1920. 
 
President-W. T. McArthur. Vice-President-L. M. McLemore. 
 
Cashie.r-J. B. Brewton. 
Directors-W. T. McArthur, L. M. McLemore, J. B. Brewton, W. T. French, C. 
 
B. McLeod, W. T. McArthur, Jr. 
 
Date of Charter-April 19, 1901. 
 
Began Bus'iness-April 19, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$316,193 30 Demand Loans ____________ 1,700 50 
 
Loans Secured by Real Estate ________ _ 
 
United States Bonds________ 6,(f00 00 
 
Other Stocks and Bonds____ 
 
100 00 
 
Banking House ____________ 10,000 00 
 
Furniture and Fixture,;____ 3,489 03 
 
Other Real Estate Owned____ fl,84S 7f> 
 
Due from Banks in this State 19,689 58 
 
Due from Banks jn other' 
 
States ------------------- 5,163 19 Currency __________________ 10,547 00 
 
GSoillvder-,--N-i-c-k-e-l-s,--P--en--n-ie-s-_-_-_-_-_- --3-,-6-3-4--4-0 
Advances on Cotton________ --------Advances on otheorCommodities ________ _ Checks for Clearing- House__ 5, 781 83 Other Checks and Cash Items 1,252 49 Customers' Liability on Letters 
of Credit and Acceptances_ ________ _ Overdrafts (if any)________ 9,743 09 Other Assets ______________ 8,U15 75 
 
Capital Stock Paid In-------~ 49,300 00 Amt. Reserved for Branches --------Surplus Fund -------------- 10,000 00 Undivided Profits __________ 6,709 45 Dividends Unpaid __________ ________ _ Due to Banks in this State__ ________ _ Due to Banks in other States ________ _ Call Money ________________ ________ _ 
n Individual Deposits Subject to Check _________ ------- 121,159 Demand Certificates of Deposit --------Time Certificates of Deposit 127,014 23 Ravings Deposits ---------- --------Trust Funds on Deposit____ ________ _ Cashier's Checks __________ 2,800 45 Certified Checks ____________ _________ 
Bills Payable -------------- 90,175 00 Notes and Bills Rediscounted ________ _ Certificates of Deposit for 
Borrowed Money _________ ________ _ 
Liability on Letters of Credit and Acceptances __,______ ________ _ 
Reserve for Interest and Taxes ________ _ Other Liabilities __________ _ _______ _ 
 
Total --------------------$407,158 91 Total --------------------$407,158 91 
 
BANK'S STATEMENT at Close of Business December 15, 1920 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$260,374 48 Capital Stock Paid In _______ $ 49,300 00 
 
Demand Loans ____________ Loans Secured by Real Estate 
 
fl,206 10 Amt. Reserved for Branches 31.243 80 Surplus Fund _____________ _ 
 
ro.ooo oo 
 
United States Bonds________ 6,000 00 Fndivided Profits _________ _ 1,482 35 
 
Other Stocks and Bonds____ 
 
100 00 Dividends Unpaid _________ _ 
 
Banking House ____________ 10,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures____ 4,102 33 Due to Banks in other States 
 
Other Real Estate Owned____ 13,008 75 Call Money ---------------Due from Banks in this State 5,441 03 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ------- _______ _ 64,860 01 
 
CuSrtraetnecsy -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_Gold _____________________ !_ 
 
54,,12'5888 0003 _ _______ _ 
 
DPmand Certificates of Deposit Time Certificates of Deposit 124,148 37 SavingR Deposits _________ _ 
 
Silver, Nickels. Pennies_____ 1,39fl 43 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton________ 
 
799 62 Cashier's Checks _________ _ 1,118 17 
 
Advances on other Commodities ________ _ Certified Checks ___________ _ 
 
Checks for Clearing- House__ 
 
227 12 Bills Payable _____________ _ 110,036 67 
 
Other Checks and Cash Items 
 
415 40 Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ _ _______ _ Borrowed Money ________ _ 
 
Overdrafts (if any)________ 3,478 70 Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances ________ _ 
 
Profit and Loss____________ 9,706 78 Reserv<> for Tnterest and Taxes Other Liahiliti's _________ _ 
 
Total --------------------$360,94!1 57 Total --------------------$360,945 57 
 
 574 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.T. 
 
THE FARMERS BANK, VIDETTE. 
 
At Close of Business October 2, 1920. 
 
President-L. 0. Benton. Vice-Presidents-C. I. Belt, W. C. McArver. 
 
Ca.shier-.Jno. R. Godbee. 
 
Directors>---<L. 0. Benton, C. I. Belt, W. C. McArver, S. A. Thompson, J. E. Row- 
 
land, W. J. Moxley, Jno. B. Clark. 
 
Date of Charter-November 17, 1910. 
 
Began Business-January 7, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $ Demand Loans ___________ _ 
 
71,382 560 
 
92 00 
 
Loans Secured by Real Estate 
 
United States Bonds ---~-- 2,448 47 Other Stocks and Bonds ___ _ 
 
Banking House ___________ _ 
 
Furpiture and Fixtures _____ _ 
 
Other Real Estate Owned ___ _ 
 
Due from Banks in this State 7,711 58 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-.--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton _______ _ 
 
174 60 1,1J'73 00 
85 00 1,081 42 5,193 99 
 
Advances on other Commodi- 
 
ties --------------------Checks for Clearing House __ Other Checks and Cash Items Customers'' Liability on Letters 
of Credit and Acceptances_ Overdrafts (if any) _______ _ 
 
4,108 71 
 
Other Assets -------------- 
 
Capital Stock Paid In ________ $ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 3,500 00 Undivided Profits ---------- 6,27 4 67 Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
to Check ---------------- 24,133 66 Demand Certificates of Deposit Time Certificates of Deposit 33,863 72 Savings Deposits _________ _ Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ 2,547 64, Certified Checks -----------Bills Payable -------------- 12,000 00 Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
Liability on Letters of CO"edit and Acceptances --------- 
Reserve for Interest and Taxes Other Liabilities _________ _ 
 
Total --------------------$ 97,319 69~ Total --------------------$ 97,319 69 BANK'S STATEMENT at Close of Business DecP.mber 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ______________ $ 38,414 36 Demand Loans ___________ _ 9,R86 05 
 
Loans Secured by Real Estate 5,754 53 United States Bonds _______ _ 
 
Other Stocks and Bonds ___ _ Banking House ___________ _ Furniture and Fixtures ___ _ Otber Real Estate Owned ___ _ 
 
2,300 00 1,200 00 
 
Due from Banks in this State 3,747 32 
 
Due from Banks in other 
 
CuSrrtaentecsy -_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ SGiolvlder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton _______ _ 
 
268 56 519 00 
85 00 1,446 00 10,134 01 
 
Advances on other Commodities 
 
Checks for Clearing House __ 
 
Other Checks and Cash Items 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ Overdrafts (if any) _______ _ Other Assets _____________ _ 
 
Capital Stock Paid in ______ $ 15,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--3~5oo-oo 
 
Undivided Profits ---------- 4,726 98 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 17,466 27 Demand Certificates of Deposit 
 
Time Certificates of Deposit 27,928 38 Savings Deposits _________ _ 
 
Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ Certified Checks ___________ _ 
 
133 20 
 
Bills Payable _____________ _ 5,000 00 
 
Notes and Bills Rediscounte<l 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities _________ _ 
 
Total --------------------$ 73,754 83~ Total --------------------$ 73,754 83 
 
 FIRST ANNUAL REPORT 
 
575 
 
EXAMINER'S BEPOBT. 
 
AMERICAN BANKING CORPORATION, VIENNA. 
 
At Close of Business September 25, 1920. 
 
l'resident-T. H. Gregory. CaShler-J. N. Hargrove. 
 
Directors-T. H. Gregory, J. N. Hargrove, J. A. Peavy, F. El. Williams, C. N. Stovall. 
 
Date of Charter-February 17, 1917. 
 
Began Business-February 23, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans _______________ $212,028 51 
 
Demand Loans ------------ 13,249 97 Loans Secured by Real Estate 20,000 00 United States Bonds ________ 28,795 45 
 
Other Stocks and Bonds____ --------Banking House ------------ 6,500 00 Furniture and Fixtures ____ 2,415 00 
 
Other Real Estate Owned____ --------Due from Banks in this State 24,731 42 Due from Banks in other 
 
States ------------------ 2,410 43 
 
Currency ------------------ 2,808 00 
 
SGiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
670 00 2,002 44 
 
Advances on Cotton _______ _ 12,846 05 
 
Advances on other Commodities Checks for Clearing House __ 
 
--{25i-o9 
 
Other Checks and Cash Items 20,212 09 Customers.' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any) _______ _ 
 
145 14 
 
Other Assets -------------- _______,__ 
 
Capital Stock Paid In______$ 75,000 00 
 
Amt. Reserved for Branches 
 
USunrdpivluidseFd uPnrdof-i-ts---_-_-_-_-_-_-_-__--_ 29,235 00 
 
Dividends Unpaid _________ _ 
 
8 00 
 
Due to Banks in this State __ 
 
Due to Banks in other States -------'(-- 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 102,545 53 Demand Certificates of Deposit 
 
Time Certificates of Deposit 43,944 78 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ 
 
771 49 1,445 45 
 
Certified Checks -----------Bills Payable -------------- 100,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Oredit 
 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities __________ _ 
 
115 34 
 
Total ____________________ $353,065 59 
 
Total ----------~---------$353,065 59 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -----------~----$165,771 14 Capital Stock Paid in ------$ 75,000 00 
 
Demand Loans ------------ 7,900 4:1 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds ________ 
 
20,966 78 6,665 81 
 
Surplus Fund -------------Undivided Profits ---------- 
 
25,668 57 
 
Other Stocks and Bonds ____ 9,988 96 Dividends Unpaid ---------- 
 
8 00 
 
Banking House ------------ 6,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures ____ 2,415 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State 14,171 13 Individual Deposits Subject 
 
DuSetatfersom___B_a_n_k_s___i_n___o_t_h_e_r 
 
to Check ---------------- 74,331 66 2,343 53 Demand Certificates of Deposit 
 
Currency ------------------ 3,769 00 Time Certificates of Deposit 41,555 35 
 
GSiollvder, --N-i-c-k-e-ls-,--P-e--n-n-ie-s---_-__--_ Advances on Cotton ____,___ _ Advances on other Commodities 
 
777 50 1,961 07 
9,4 60 91 --------- 
 
Postal Savings Deposits ___ _ Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ Certified Checks ___________ _ 
 
718 09 659 81 
 
Checks for Clearing House __ 
 
213 82 Bills Payable -------------- 35,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Letters 
 
Certificates of Deposif for 
 
of Credit and Acceptances_ --------- Borrowed Money ________ _ 
 
Overdrafts (if any) -------- 
 
166 62 Liability on Letters of Credit 
 
Other Assets -------------- -------<-- and Acceptances --------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ___________ _ 
 
130 22 
 
Total --------------------$253,071 70 Total --------------------$253,071 70 
 
 576 
 
BANKING DEPAR'l'MENT 
 
EXAMINEB.'S B.EPOB.T. 
 
BANK OF VIENNA, VIENNA. 
 
At Close of Business September 27, 1920. 
 
President-W. C. Hamilton. Cashie,r-W. T. Gilbert, Jr. 
 
Directors-W. C. Hamilton, E. J. Peary, J. F. Hamilton, W. T. Gilbert, Sr. W. T. Gilbert, ,Jr. 
 
Date of Charter~August 26, 1889. 
 
Began Business-September, 1889. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$232,893 32 
 
Demand Loans ------------ 11,396 82 Loans Secured by Real Estate 25,000 00 
 
United States Bonds ______ 1,180 00 
 
Other Stocks and Bonds ____ 2,938 00 
 
Banking House and Furniture 
 
and Fixtures ------------- 4,000 00 Other Real Estate Owned____ ________ _ 
 
Due from Banks in this State 65,226 40 
 
Due from Banks in other 
 
States Currency 
 
- ---------------- -- -- -- ~------------- 
 
GS iol vl de r , - -N-i-c-k-e-l s-,- -P- e- n- -n-i e-s- - -_-__- -_ 
 
Advances on Cotton________ 
 
85 05 9,604 00 
537 50 949 60 ________ _ 
 
Advances on othea:-Commodities ________ _ 
 
Checks for Clearing House __ 
 
321 78 
 
Other Checks and Cash ltemH 14,265 75 
 
Customers' Liability on Letters of Credit and Acceptances_ _________ 
 
Overdrafts (if any) -~------ 4,510 99 
 
Other Assets -------------- -------<-- 
 
Capital Stock Paid in _______ $ 50,000 00 
 
Amt. Reserved for Branches --------- 
 
Surplus Fund -------------- 50,000 00 
 
Undivided Profits ---------- 17,083 48 
 
Dividends Unpaid ---------- --------- 
 
Due to Banks in this State__ --------- 
 
Due to Banks in other States 11,773 40 
 
Call Money ---------------- ----~--- Individual Deposits Subject 
 
to Checlr ---------------- 144,306 60 Demand Certificates of Deposit --------- 
 
Time Certificates of Deposit 82,063 01 
 
Savings Deposits ---------- --------- 
 
Cashier's Checks ---------- 1,467 93 
 
Certified Checks ------------ --------- 
 
Bills Payable ---------------- 50,000 00 Notes and Bills Rediscounted ________ _ 
 
Certificates of Deposit for 
 
Borrowed Money --------- ---!------ 
 
Liability on Letters of Credit 
 
and Acceptances ---------- --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ---------- 
 
74 04 
 
Total --------------------$406,768 46 Total --------------------$406,768 46 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$211,257 42 Capital Stock Paid in ______ $ 50,000 00 
 
Demand Loans ------------ 8,305 24 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate ________ _ Surplus Fund -------------- 50,000 00 
 
"United States Bonds ________ 
 
933 40 Undivided Profits __________ 17,842 71 
 
Other Stocks and Bonds ____ 2,938 00 Dividends Unpaid __________ --------- 
 
Banking House and Furniture 
 
Due to Banks in this State__ --------- 
 
Otahnedr RFeixatluEressta-te--O--w-n-e-d-_-_-_-_- 
 
4,000 00 ________ _ 
 
CDaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t_a_te__s 
 
-_-_-__- -.._ -_-_-_ -_ 
 
Due from Banks in this State 47,433 51 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ________,________ 125,479 87 
 
States ------------------Currency ------------------ 
GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton _______ _ Advances on other Commod- 
ities -------------------Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Letters 
 
20,194 61 10,730 00 
537 50 1,986 40 31,791 92 
3,419 15 --------- 
993 96 
 
Demand Certificates of Deposit --------Time Certificates of Deposit 53,972 44 Savings Deposits __________ --------Trust Funds on Deposit_ ___________ _ Cashier's Checks __________ _ 3,274 41 Certified Checks ____________ --------Bills PayablE> ______________ 45,000 00 Notes and Bills Rediscounted ________ _ 
Certificates of Deposit for Borrowed Money _________ --------- 
 
of Credit and Acceptances_ --------- Liability on Letters of Credit 
 
Overdrafts (if any) _______ _ 
 
695 26 and Acceptances ________ --------- 
 
Other Assets -------------Cash Short ---------------- 
 
74 26 278 80 
 
ROethseerrveLfioarbiIlnitteiersest_a_n_d__T__a_x_e_s -_-_-_-_-_-_-__--_ 
 
Total --------------------$345,569 43 Total --------------------$345,569 43 
 
 FIRST ANNUAL REPORT 
 
577 
 
E:S:AliiDI"EB'S BEPOBT. 
 
DOOLY SAVINGS BANK, VIENNA. 
 
At Close of Business October 4, 1920. 
 
President-W. C. Hamilton. Cashier-W. T. Gilbert, Jr. 
 
Directors-R. E. Kelly, J. A. PeavY, J. D. Reynolds, W. C. Hamilton. 
 
Date of Charter~September 25, 1905. 
 
Be.gan Business-October 16, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ DLoemanasndSeLcuoraends b-y--R-e-a-l--E-s-t-a-teUnited States Bonds________ Other Stocks and Bonds___ _ 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned___ _ Due from Banks in this State Due from Banks in other S.tates 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on Cotton________ Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Letters 
of Credit and Acceptances_ Overdrafts (if any)-------Other Assets -------------- 
 
66,361 64 
99 00 7,895 08 
 
Capital Stock Paid in ------$ 15,000 00 Amt. Reserved for Branches --------- 
Surplus Fund -------------- --------Undivided Profits --------.---- 35,405 30 Dividends Unpaid ---------- --------Due to Banks in this State__ --------Due to Banks In other States --------Call Money ---------------- --------Individual Deposits Subject 
to Check ----------------- --------Demand Certificates of Deposit --------- __ Time Certificates of DeposiL --------Savings Deposits ----------- 23,950 42 Trust Funds on Deposit____ --------- 
Cashier's Checks ----------- --------Certified Checks ------------ --------Bills Payable -------------- --------Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money --------- --------Liability on Letters of Credit 
and Acceptances -------- --------Reserve for Interest and Taxes --------Other Liabilities ---------- --------- 
 
Total --------------------$ 74,355 72 Total --------------------$ 74,355 72 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----~-----------$ --------- Capital Stock Paid in _______ $ 25,000 00 
 
Demand Loans ------------- 
 
500 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 66,230 28 Surplus Fund -------------- 24,965 91 
 
United States Bonds________ --------- Undivided Profits ---------- 
 
Other Stocks and Bonds____ Banking House -----------Furniture and Fixtures ----Other Real Estate Owned____ Due from Banks in this State 
 
----------------- 
99 00 ________ _ 
5,681 31 
 
Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks In other States --------- 
Currency ------------------ --------GSoillvder-,--N-i-c-k-e-l-s,--P--e-n-n-i-e-s--_-_-_-_ -----------------Advances on Cotton________ _________ 
 
to Check ---------------Demand Certificates of Deposit Time Ce.rtificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
22,544 68 
 
Advances on other Commodities ________ _ Cashier's Checks ----------- 
 
Checks for Clearing House__ --------- Certified Checks ------------ 
 
Other Cnecks and Cash Items --------- Bills Payable -------------- 
 
Customers' Liability on Letters 
 
Notes and Bills Rediscounted 
 
of Credit and Acceptances_ --------- Certifica.tes of Deposit for 
 
Overdrafts (If any)-------- --------- Borrowed Money --------- 
 
Other Assets -------------- 
 
--------- 
 
Liability on Letters of Credit and Acceptances _______ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$ 72,510 59 Total --------------------$ 72,510 59 
 
 r 
 
578 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF VILLA RICA, VILLA RICA. 
 
At Close of Business November 2, 1920. 
 
President-W. B. Candler. Vice-President-J. N. Wilson. Cashier-S. 0. Fielder. 
 
Directors-W. B. Candler, J. N. Wilson, rS. 0. Fielde.-, W. B. Candler, Jr., T. G. 
 
Johnson, J. G. W. Lasseter, B. C. Powell. 
 
Date of Charter-May 4, 1899. 
 
Began Business-May, 1899. 
 
RESOURCES 
 
LIABILITIES 
 
Time Dema 
 
nLdoaLnsoa-n-s- 
 
--_-_-_-_--_-_-_-_-,-_-_$__2547,80,44016 
 
84 4 7 
 
Capital Stock Paid Amt. Reserved for 
 
in ______$ Branches 
 
50,000 
 
00 
 
Loans Secured by Real Estate 47,193 61 Surplus Fund -------------- 25,000 00 United States Bonds -------- 25,000 00 Undivided Profits ---------- 63,757 25 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------Banking House ------------ 3,183 16 Due to Banks in this State __ Furniture and Fixtures ____ 1,500 00 Due to Banks in other States 
 
Other Real Estate Owned___ --------- Call Money ---------------- ----1---.-Due from Banks in this State 12,940 72 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iollvde r-, - -N-i-c-k-e-l -s ,- -P- e- n- -n-i e- s- - -_-_-_-_ 
 
3,130 65 3,634 00 - - - -5-7 0- - -4-6 
 
to Check ---------------- 145,371 90 Demand Certificates of Deposit Time Certificates of Deposit 126,580 93 Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Advances on Cotton________ --------- Cashier's Checks --------1--- 1,985 00 
 
Advances on other Commodities --------- Certified Checks ------------ 
 
Checks for Clearing House __ 
 
233 29 Bills Payable -------------- 20,000 00 
 
Other Checks and Cash Items 2,860 88 Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Acceptances_ --------- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Overdrafts (if any)-------- --------- Liability on Letters of Credit 
 
Other Assets -------------- _______,__ and Acceptances -------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total ---------~----------$432,695 08 Total --------------------$432,695 08 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$215,307 20 Capital Stock Paid in ______ $ 50,000 00 
 
Demand Loans ------------Loans Secured by Real Estate 
 
90,000 00 33,853 80 
 
ASumrtp. luRsesFeurnvded __fo__r__B_r_a_n_c_h_e_s_ 
 
25,000 00 
 
United States Bonds -------- 25,000 00 Undivided Profits ---------- 63,034 38 Other Stocks and Bonds____ _________ Dividends Unpaid ---------Banking House ------------ 2,500 00 Due to Banks in this State __ 
 
Furniture and Fixtures______ 1,500 00 Due to Banks in other States 
 
Other Real Estate Owned___ ________ _ Call Money ---------------Due from Banks in this State 31,492 78 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 150,760 4[i 
 
States --~---------------Currency ------------------ 
 
1,954 33 Demand Ce,rtificates of Deposit 3,328 00 Time Certificates of DeposiL 117,861 31 
 
. GSoillvder-,--N-i-c-k-e-l-s,--P--e-n-n-i-e-s--_-_-_-_ Advances on Cotton________ 
 
--------797 18 
--------- 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks____________ 
 
2,047 47 
 
Advances on othocCommodities --------- Certified Checks ------------ 
 
Checks for Clearing House __ Other Checks and Cash Items 
 
--2~21"3-76 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Customers' Liability on [..etters 
 
Certificates of Deposit for 
 
of Credit and Acceptances_ --------- Borrowed Money --------- 
 
Overdrafts (if any)-------- --------- Liability on Letters of CTedit 
 
Other Assets: 
 
and Acceptances -------- 
 
Building Account ---------- 
 
713 56 RLserve for Interest and Taxes 
 
Stamp Account ------------- 
 
43 00 Other Liabilities ---------- 
 
Total --------------------$408,703 61 Total --------------------$408,703 61 
 
 FIRST ANNUAL REPORT 
 
579 
 
E:X:AMDii'EB.'S B.EPOB.T. 
 
MERCHANTS & PLANTERS BANK, VILLA RICA. 
 
At Close of Business November 4, 1920. 
 
President-J. M. Moore. Vice-President-J. Henry Pope. Cashier-Geo. Harper. 
 
Directors-J. M. Moore, J. Henry Pope, E. F. Hixon, C. S. Hart, J. G. Kilgore, 
 
W. B. Willoughby, A. 0. White. 
 
Date of Charter-April 25, 1907. 
 
Began Business-April 30, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
'rime Loans ----------------$171,376 39 Demand Loans _____________ 35,599 61 
 
Loans Secured by Real Estate 27,224 On United States Bonds ________ 9,000 00 
 
Other Stocks and Bonds____ --------Banking House ____________ 1,611 31 
 
Furniture and Fixtnres ____ 3,103 66 
 
Other Real Estate Owned___ --------Due from Banks In this State 11,416 40 
 
Due from Banks in other 
 
States ------------------- 4,833 67 Currency ------------------ 2,200 00 
 
Gold ---------------------- 
 
200 00 
 
Silver, Nickels, Pennies ____ 1,16fi 8R 
 
Advances on Cotton ________ 11,500 00 
 
Advances on other Commodities --------- 
 
Checks for Clearing- House__ Other Checks and Cash Items 
 
503 72 805 7ri 
 
Customers,' Liability on Letters 
 
of Credit and Acceptances_ _________ 
 
Overdrafts (if any) -------- 1,778 17 
 
Other Assets -------------- --------- 
 
Capital Stock Paid in ______$ 50,000 00 Amt. Reserved for Branches 
 
Surnlus Fund -------------Undivided Profits ---------- 13,543 57 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------- 
 
Individual Deposits Subject 
 
to Check ----------------- 92,905 02 
 
n~emand Certificates of Deposit Time Certificates of Deposit_ 
 
-5T916-33 
 
Savings Denosits ---------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ---------- 
 
453 64 
 
Certifi,ed Checks -----------Bills Payable -------------- 71,500 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
LiabilitY on Letters of Credit 
 
and Accentances -------ROethseerrveLifaobr iIlnittieeTse_s_t_a_n__d_T__a_x_e_s 
 
Total --------------------$282,318 56 Total ---------~----------$282,318 56 
 
BANK'S STATEM.ENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$193.185 2!> 
 
Demand Loans ------------- 12,232 4f> 
 
LoaT1s Secured by Real Estate 28.139 8c 
 
United States Bonds ________ 
 
800 UO 
 
Other Sto~ks and Bonds____ _________ 
 
Banking Hom;e ------------ 1,611 31 
 
Furniture and Fixtures ____ 3,103 66 
 
Other Real Estate Own<'d __ --------Due from Banks in this State 4,386 5o 
 
Due from Banks in other 
St.ates ----------r------- 
 
629 03 
 
Currency -----------------Gold ---------------------Silver. Nickels. Pennies ____ 
 
7,140 55 
 
oonn 
 
962 1 f> 
 
Advances on Cotton ________ 7,100 00 
 
Advances on otheTCommodities _________ 
 
Check,; for Clearinz Honse __ Other Checks a.nd Casl1 Items 
 
561 01 203 57 
 
Customers' Liability on Letters 
 
of Credit and Acceptances_ _________ 
 
Overdrafts (If any) ________ 
 
868 04 
 
Other Assets: 
 
Profit and Loss ------------ 
 
889 05 
 
Canital Stock Paid In ______$ 50,000 00 
 
Amt. Reserved for Branches 
 
Surnlus Fund -------------- 12,500 00 
 
Undivided Profits ---------- 
 
841 06 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State __ 
 
Dn<e to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check --------- ------- 76,614 03 
 
n"manrl Certificates of Deposit 'rime Certificates of Deposit 
 
-45.242-41 
 
Savings D<mosits ---------'l'rust Fut1ds on Deposit_ __ _ 
 
Cashier's Che,ks ----------- 
 
669 45 
 
CPrtified Checks ------------ 
 
Bills Payabl<> -------------- 71,000 00 
 
Notes and Bills Rediscounted 5,000 00 
 
CPrtificateR of Deposit for 
 
Borrowed Money --------Llahilitv on Letters of Credit 
 
and Accentances _______ _ 
 
ORethseerrv"Lifaobr iTlinttieerse_s_t_a_n__d_T__a_x_e_s 
 
Total --------------------$261,866 95 Total --------------------$261,866 95 
 
 580 
 
BANKING DEPARTMENT 
 
EXA'IIIEmEB'S BEPOBT. 
 
THE CITIZENS BANK, WACO. 
 
At Close of Business December 3, 1920. 
 
President-W. W. Heaton. Vice-President-.J. w. Word. Cashier-G. L. Jacobs. 
 
Directors-W. W. Heaton, G. L. Jacobs, J. N. Miller, J. W. Word, J. B. Entr<'kin, 
 
Date of Charter-September 15, 1914. 
 
Began Business-November 10, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$100,905 93 Demand Loans ------------ 11,621 02 Loans Secured by Real Estate --------United States Bonds ________ 2,208 46 
Other Stocks and Bonds____ --------- 
Banking House ------------ --------Furniture and Fixtures ____ 2,837 97 
Other Real Estate Owned __ --------Due from Banks ----------- 3,096 16 DuSetatferos _m___B__a_n_k_s___I,n____o_t_h_e_r _ _______ _ 
 
Currency -----------------GSiollvder, --N-i-c-k-el-R-.--P-e-n--n-ie-s---_-__--_ 
 
74 00 91 00 642 56 
 
Advances on Cotton________ --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearin<;" House __ 
 
280 6R 
 
Other Checks and Cash Items 4,552 58 
 
Customers' Liability on Letters 
 
OvoefrdCrraefdtsit (aIfndanAy)c_c_e_p_ta_n_c_e_s___ 
 
--------810 17 
 
Other Assets -------------- _________ 
 
Capital Stock Paid in ------$ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 4,500 00 
 
Undivided Profits ---------- 
 
822 81 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State __ 
 
Due to Banks In other States 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit 
 
19,956 02 9,555 97 
34,619 88 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ---------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
5,163 96 37,500 00 
 
Borrowed Money --------Liaanbd!litAycocnepLtaentcteerss__o_f__C_r_e_d_i_t 
 
Reserve for Interest and Taxes 
 
OCathsher LLoinagb_il_i_ti_e_s_:___________ _ 
 
89 
 
Total ------------~-------$127,120 53 Total ____________________ $127,I20 53 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemme, a nLdo aLnosa n- s- -_- _-, -_-_-_-_-_-_-_-_-_-_-_$ 
 
74.101 5,323 
 
R7 RO 
 
Loans Secured by Real Estate 31,!;44 32 
 
United States Bondf' -------- 1,55"8 46 
 
Other Stocks and Bonds ___ _ 
 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks In this State DuSetatferos _m___B__a_n_k_s___i_n___o_t_h_e_r 
 
2,837 97 120 17 
 
Currency ------------------GSiollvder, --N-i-c-k-e-ls-.--P-e-n--n-ie-s---_-__--_ Adv~>nces on Cotton _______ _ 
Advances on other Commodities Checks for Clearin<;" House __ Other Checks and Cash Items CuRtomers' Liability on Letters 
of Credit and Acceptances_ Overdrafts (If any) -------Other Assets -------~------ 
 
670 00 91 00 
686 94 
1,809 95 
865 11 
 
Capital Stock Paid In ______$ 15,000 00 
 
Amt. Reserved for Branches 
 
Surnlus Fund -------------- 4,500 00 
 
Undivided Profitf' ---------- 
 
742 69 
 
Dividends Unpaid ---------Due to Banks In this State __ 
 
Due to Banks In other States 
 
Call Money ---------------Individual Deposits Subject 
 
Detmo aCnhdeCcker-ti-f-ic-a-t-e-s-o--f -D-e-p--o-s-it 
 
18.163 7& 5,000 00 
 
Time Certificates of Deposit 38,105 85 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks ___________ _ 
 
597 31 
 
Certified Checks -----------Bills Payable -------------- 37,5"00 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
and AccePtances_________ _ 
 
ORethseerrveLifaobr iIlnittieerse_s_t_a_n__d_T__a_x_e_s 
 
Total --------------------$119,609 59 Total --------------------$119,609 59 
 
 r 
 
FIRST ANNUAL REPORT 
 
581 
 
BXAllllilii'BB'S BBPOBT. 
BANK OF WADLEY, WADLEY. 
At Close of Business Novembe.r 8, 1920. 
President-S. C. Evans. Vice-President-Dr. J. D. Peacock. Cashie!'----S. D. Mandeville. 
D!.rectors--N. W. Bedingfield, W. D. Evans, S. C. Elvans, S. D. Mandeville, J. D. Peacock. 
Date of Charter-January 29, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$113,391 60 
 
Demand Loans ------------ 4,269 43 
 
Loans Secured by Real Estate 23,718 05 United States Bonds________ --------- 
 
Other Stocks and Bonds____ 1,050 00 Banking House ____________ 6, 705 76 
 
Furniture and Fixtures_____ --------Other Real Estate Owned __ _________ 
 
Due from Banks in this State 13,915 77 
 
Due from Banks in other 
 
States ------------------- 2,470 44 
 
Currency ------------------ 6,420 00 
 
Gold ----------------------- 
 
135 00 
 
Silver, Nickels, Pennies ____ 2,187 97 
 
Advances on Cotton -------- 20,348 89 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ 
 
130 44 
 
Other Checks and Cash Items -------- Customers' Liability on Letters 
 
of Credit and Acceptances_ --------- 
 
Overdrafts (if any) ________ 
 
227 34 
 
Other Assets: 
 
Depositors' Guarantee Fund__ 3,563 27 
 
Capital Stock Paid in ______ $ 25,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 10,000 00 Undivided Profits _________ _ 14,683 00 
 
Dividends Unpaid ---------Due to Banks In this State __ 
 
12 00 
 
Due to Banks in other States 
 
Call Money ---------------- 10,000 00 
 
Individual Deposits Subject 
 
to Check ---------------- 52,991 70 Demand Certificates of Deposit 313 00 Time Certificates of Deposit 43,787 41 
 
Savings Deposits ---------- 6,242 24 Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ------<---- 
 
853 93 
 
Certified Checks -----------Bills Payable -------------- 32,500 00 
 
Notes and Bills Rediscounted 4,239 55 
 
'Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
 
and Acceptances_________ _ 
 
Other Liabilities: 
 
Reserve for Depreciation 
 
1,642 04 
 
Total -----~--------------$202,264 87 Total --------------------$202,264 87 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$137,778 50 
 
Demand Loans ------------ 3,742 35 
 
Loans Secured by Real Estate 5,000 00 United States Bonds________ --------Other Stocks and Bonds ____ 1,050 00 
 
Banking House ------------ 6, 705 76 Furniture and Fixtures______ 3,730 91 
 
Other Real Estate Owned __ --------Due from Banks in this State 7,537 95 Due from Banks in other 
 
States ------------------- 2,087 41 Currency ---------~-------- 4, 736 00 
 
Gold ---------------------- 
 
155 00 
 
Silver, Nickels, Pennies ____ 2,362 99 
 
Advances on Cotton ________ 16,861 70 
 
Advanees on other Commodities --------- 
 
Checks for Clearing House __ 
 
434 35 
 
Other Checks and Cash Items --------Customers' Liability on Let- 
ters of Credit and Accept- 
 
ances -------------------- --------- 
 
Overdrafts (If any)________ 
 
69 16 
 
Other Assets: 
 
Depositors' Guarantee Fund__ 3,563 27 
 
Revenue Stamps ----------- 
 
47 50 
 
Capital Stock Paid in ______ $ 25,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------Dividends Unpaid _________ _ 
Due from Banks in this State Due from Banks in other 
 
10,000 00 11,049 20 
12 00 
 
States ------------------Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deoosits ----------Trust Funds on Deposit_ __ _ 
 
9,000 00 
46,563 08 
40,039 44 6,402 40 
 
Cashier's Checks -----------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
4,762 62 
22,000 00 19,392 07 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceotances__________ 
 
Other Liabilities: Reserve for Depreciation __ 1,642 04 
 
Total --------------------$195,862 85 Total --------------------$195,862 85 
 
 582 
 
BANKING DEPARTMENT 
 
EXAMINER'S B.EPOB.'l'. 
 
JEFFERSON COUNTY BANK, WADLEY. 
 
At Close of Business August 27, 1920. 
 
President-G. H. Williams. Vice-Presidents-R. B. Porter, J. N. Roberson. 
 
Cashier-W. C. Marion. 
 
Directors-G. H. Williams, R. B. Porter, J. N. Roberson, D. M. Mills, W. C. Marion, 
 
L. M. Pennington, J. A. Barrow. 
 
Date of Charter-October 5. 1907. 
 
Began Business-October 11, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$146,725 06 
 
Demand Loans ------------- --------Loans Secured by Real Estate _________ United States Bonds________ _________ 
 
Other Stocks and Bonds____ _________ 
 
Banking House ------------ 3,650 00 
 
Furniture and Fixtures ____ 3,284 78 Other Real Estate Owned __ _________ 
 
Due from Banks in this State 3,466 02 Due from Banks in other 
 
States ------------------- 
 
198 57 
 
Currency ------------------ 
 
800 00 
 
Gold ---------------------- 
 
20 00 
 
Silver, Nickels. Pennies ____ 1,297 4F 
 
Advances on Cotton________ _________ 
 
Advances on othell'Commodities _________ 
 
Checks for Clearing House__ --------- 
 
Other Checks and Cash Items 
 
824 00 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- --------Overdrafts (if any) -------- 1,231 39 Other Assets: 
 
Losses in Operations 
 
338 25 
 
Capital Stock Paid in ______ $ Amt. Reserved for Branches Matthews -----------------Surplus Fund _____________ _ Undivided Profits _________ _ Dividends Unpaid _________ _ Due to Banks in this State __ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
to Check ________________ _ Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's @!becks ---------- 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Oe:rtificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _________ _ 
ORethseerrveLifaobr iIlnittieerse_s_t_a_n__d_T__a_x_e_s 
 
30,000 00 Hi,OOO 00 
2,000 00 
7,749 90 
29,045 26 42,861 28 
438 13 60,000 00 
4,740 95 
 
Total --------------------$161,835 5? Total --------------------$161,835 52 BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$110,471 48 Demand Loans ------------- --------Loans Secured by Real Estate 11,44R 61 United States Bonds ________ 12,000 00 Other Stocks and Bonds____ _________ Banking House ____________ 3,650 00 
 
Capital Stock Paid in ______ $ 30,000 00 Amt. Reserved for Branches: Less Amt. for Matthews 
Branch ------------------ 15,000 00, Surplus Fund -------------- 2,000 00 Fndivided Profits _________ _ 
 
Furniture and Fixtures ____ 3,284 78 Dividends Unpaid _________ _ 
 
Other Real Estate Own<>d __ ________ _ Due to Banks in this State __ 
 
Due from Banks in this State 3,699 25 Due to Banks in other States Due from Banks iii other States ________ _ Call Money ---------------- 8,746 21 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-_-__- 
 
4,0!l2 00 Individual Deposits Subject 
 
20 1,128 
 
0604 
 
to Check ---------~------ _ Demand Certificates of Deposit 
 
33,554 52 
 
Advances on Cotton ________ 3,054 37 
 
Advances on other Commodities ________ _ 
 
Checks for Clearin,- House __ 
 
~00 00 
 
Other Checks and Cash Items 4,795 92 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- ________ _ 
 
Overdrafts (if any) ________ 
 
130 18 
 
Time Certificates of Deposit Savings Deposits _________ _ Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ <CPrtified Checks ___________ _ Bills Payahle _____________ _ 
Notes and Bills Rediscounted Oertificates of Deposit for 
 
46,239 92 
1,813 60 52,000 00 
 
---1------ Other Assets: 
Profit and Loss ------------ 
 
Borrowed Money --------- 
 
1,319 05 
 
Liability on Letters of Credit and Accentances _________ _ 
 
Reserve for Interest and Taxes Other Liabilities ___________ _ 
 
Total --------------------$159,354 28 Total --------------------$159,354 28 
 
 FIRST ANNUAL REPORT 
 
583 
 
EXAMINEB.'S B.EPOB.T. 
 
CITIZENS BANK, WARRENTON. 
 
At Close of Business August 11, 1920, 
 
President-C. R. Fitzpatrick. Vice-Presidents-E. P. LDavis, W. E .. English. Cashier-R. F. Fowler. 
 
Directors-C. R. Fitzpatrick, E. P. Davis, W. E. English, Dewham Cason, Eugene English, Ed. R. English, C. W. Ghuerling, C. D. Kitchens, B. F. Walker. 
 
Date of Charter-1902. 
 
Began Business-April 14, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$302,469 55 Demand Loans __,__________ 56,108 37 
 
Loans Secured by Real Estate 20,500 00 United States Bonds ________ 41,391 41 
Other Stocks and Bonds____ --------Banking House ____________ 7,149 56 
Furniture and Fixtures ____ 1,628 50 Other Real Estate Owned __ 3,213 21 Due from Banks in this State 105,851 70 Due from Banks in other 
 
States ------------------- 42,664 97 
 
Currency ------------------- 10,89o 00 
 
GSiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-_-__- --1-,-55-4---84- 
 
Advances on Cotton________ --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ 
 
161 77 
 
Other Checks and Cash Items 
 
54 25 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaenrcdersaf-t-s--(-if--a-n-y-)------------------ --8-,-1-52---20Other Assets -------------- 60,041 64 
 
Capital Stock Paid in ______$ 50,000 00 Amt. Reserved for Branches Surplus Fund -------------- 25,000 00 Undivided Profits ---------- 26,874 93 Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
to Check ----------------Demand Certificates of Deposit 349,178 15 Time Certificates of DeposiL Savings Deposits ---------- 199,553 92 Cashier's Checks ----------- 8,549 68 Certified Checks -----------Bills Payable --------------. Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances__________ 
ORethseerrveLifaobriIlinttieesre_s_t__a_n_d__T_a_x_e_s 2,680 29 
 
Total --~-----------------$661,836 97 
 
Total -~------------------$661,836 97 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$337,761 2~ 
 
Demand Loans ___________,__ 81,702 59 
 
Loans Secured by Real Es- 
 
tate --------------------- No Record United States Bonds ______ 39,147 70 
 
Other Stocks and Bonds ____ 
 
500 00 
 
Banking House ____________ 6,866 44 
 
Furniture and Fixtures ____ 1,319 08 
 
Other Real Estate Owned __ 3,085 97 
 
Due from Banks in this State 72,750 41 Due from Banks in other 
 
States ------------~------ 19,229 85 
 
Currency ------------------ 12,608 00 
 
Gold ---------------------- 
 
5 00 
 
Silver, Nickels, Pennies ____ 1,409 40 
 
Advances on Cotton ________ 15,572 65 
 
Advances on other Commodities --------- 
 
Checks for Clearing House__ 
 
408 65 
 
Other Checks and Cash Items --------- 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- _________ 
 
Overdrafts (if any) ________ 3,364 77 
 
Other Assets: 
 
U S Certificates of Indebt- 
 
edness ------------------- 10,041 64 
 
Total ____________________ $605,773 4R 
 
Capital Stock Paid in ______$ 50,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 25,000 00 
 
Undivided Profits _________ _ 23,231 22 
 
Dividends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------- 
 
Individual Deposits Subject 
 
to Check ---------------- 394,659 50 
 
Demand Certificates of Deposit 
 
Time Certificates of DeposiL 
 
Savings Deposits ---------- 
 
Trust Funds on Deposit ___ _ 
 
Cashier's Checks ----------- 11,703 57 
 
Certified Checks ------------ 
 
31 S!i 
 
Bills Payable -------------- 100,000 00 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Credit 
 
and Acceptances__________ 
 
Reserve for Interest and Taxes 1,147 29 Other Liabilities ___________ _ 
 
Total --------------------$60,773 43 
 
 584 
 
BANKING DEPARTMENT 
 
EXAJIIINEB'S BEPOB'r. 
PLANTERS & MERCHANTS BANK, WARRENTON. 
At Close of Business September 16, 1920. 
President-G. R. Maner. Vice-President~W. L. Shurley. Cashler-J. C. Evans. Directors-W. L. Shurley, J. C. Evans, Dr. L. D. McGregor, W. M. Moore, Wm. 
Johnson, H. R. Hall, L. 0. Benton. Date of Charter-1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$101,090 60 Capital Stock Paid in ------$ 25,000 00 
 
Demand Loans ------------ 6,171 90 Amt. Reserved for Branches Loans Secured by Real Estate 8,472 03 Surplus Fund -------------United States Bonds -------- 5,000 00 Undivided Profits ---------Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
5,00(! 00 3,864 29 2,000 00 
 
Banking House ------------ _ 2,850 00 Due to Banks in this State Furniture and Fixtures______ 1,800 00 Due to Banks in other States 
 
Other Real Estate Owned __ --------- Call Money ---------------Due from Banks in this State 16,926 80 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ------\---------- 95,724 01 
 
States ------------------Currency ------------------- 
 
3,093 93 8,07 4 00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-1-1~8'16-54 
 
Gold ---------------------Silver, Nickels, Pennies ____ 
 
25 00 Savings Deposits ---------427 57 Trust Funds on Deposit ---- 
 
Advances on Cotton ________ 10,172 26 Cashier's Checks ------------ 2,845 85 
 
Advances on othocCommodities --------- Certified Checks ------------ 
 
Checks for Clearing House __ 
 
841 89 Bills Payable -------------- 22,000 00 
 
Other Checks and Cash Items 
 
967 68 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificate~ of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- --------- Liability on Letters of Credit Overdrafts (if any) -------- 2,352 66 and Acceptances _________ _ 
 
Other Assets --------------- --------- Reserve for Interest and Taxes Other Liabilities: 
 
Cash Long ----------------- 
 
15 63 
 
Total --------------------$168,266 32 Total --------------------$168,266 32 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________$ Demand Loans _____ _; ______ _ 
 
75,136 20,863 
 
56 04 
 
Loans Secured by Real Estate 12,290 24 
 
United States Bonds -------- 5,000 00 
 
Other Stocks and Bonds ___ _ 
 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this State Due from Banks in other 
States ------------------GCSioullvrdreer-n, -c-Ny-i-c--k--e--l-s-,----P---e--n---n--i-e-~s-----_--_-_---_ 
Advances on Cotton -------Advances on other Commodi- 
Chteiecsks -fo--r-C--le-a-r-i-n-g--H--o-u-s-e--__Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
2,850 00 1,800 00 
3,278 21 
2,657 82 5,054 00 
1,377 91 10,643 70 
2,088 76 1,149 70 
452 37 
 
Ovaenrcdersaf-t-s--(-if--a-n-y-)------------------ 5,386 04 
 
Other Assets --------------- 
 
Capital Stock Paid in -------$ Amt. Reserved for Branches Surplus Fund ________,_ ____ _ 
Undivided Profits ---------Dividends Unpaid ---------Due to Banks In this State Due to Banks in other States Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit ___ _ 
Cashier's Checks -----------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances_________ _ ORethseerrveLifaobr iIlnittieerse_s_t_a_n_d__T__ax__eR_ 
 
25,000 00 5,000 00 2,854 30 2,000 00 
56,348 20 9,240 41 
85 44 49,500 00 
 
Total --------------'------$150,028 35 Total --------------------$150,028 35 
 
 FIRST ANNUAL REPORT 
 
585 
 
EXAllllillrEB.'S BEPOBT. 
 
FARMERS & MERCHANTS BANK, WARTHEN. 
 
At Close of Business August 30, 1920. 
 
President-L. 0. Benton. Vice-President-M. Warthen. Cashier-T. W. Benson. 
 
Directors-L. 0. Benton, M. Warthen, Thos. W. Cobb, C. G. Walker, J. E. Sparks, 
 
J. H. Hooks. 
 
Date of Charter-October 30, 1911. 
 
Began Business-December 11, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 98,000 17 Capital Stock Paid in _______ $ 15,000 00 
 
Demand Loans ------------- 7,864 44 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
Surolus Fund -------------- 5,000 00 
 
Undivided Profits ----------- 
 
42 66 
 
Other Stocks and Bonds ---- 4,620 00 Dividends Unpaid ---------- 
 
Banking HouRe ------------ 2,500 00 Due to Banks In this State 
 
Furniture and Fixtures ____, 2,462 44 Due to Banks In other States 
 
Other Real Estate Owned __ 
 
Call Money ---------------- 
 
Due from Banks in this State 6,990 95 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 30,550 26 
 
CuSrtraetnecsy -_-_-_-_-_-_-_-_-_-_-__-_-_-_-,-_-__--_ 
 
2,165 62 Demand Certificates of Deposit 2,433 00 Time Certificates of Deposit 18,054 24 
 
GSiollvder, --N-i-c-k-e-ls-.--P-e-n--n-ie-s---_-__--_ 
 
102 50 Ravings Deposits ---------1,015 52 Trust Funds on Deposit ___ _ 
 
Advances on Cotton_______ _ 
 
Cashier's Checks ------------ 
 
404 52 
 
Advances on otheorCommodities 
 
Certified Checks ------------ 
 
Checks for Clearing House __ 
 
Bills Payable --------<------ 33,000 00 
 
Other Checks and Cash Items 
 
Notes and Bills Rediscounted 29,002 41 
 
Customers' Liability on Let- 
 
C<>rt!ficateRI of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
O vaenrcdersa f-t -s - -( -I f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
Liabiilty on Letters of Credit 2,024 79 and Acceptances ----~---- 
 
Other Assets: Cash Short ----------------- 
 
Reserve for Interest and Taxes 42" 69 Othe'r Liabilities ___________ _ 
 
Total -----4--------------$131,054 09 Total -----~--------------$131,054 09 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 64,6R2 22 Capital Stock Paid In ______ $ 15,000 00 
 
Demand Loans ------------Loans Secured bv Real Estate 
 
14,633 71 1,026 00 
 
Amt. Reserved for Branches Surnlus Fund -------------- 
 
-Tiiiiii-iiii 
 
TTnlted States Bonds________ --------- Undivided Profit" ---------- 
 
Other Stocks and Bonds __ 
 
4,620 00 J)lvidends Unoald ---------- 
 
Banking House ------------ 2.500 00 Due to Banks In this State Furniture and Fixtures ____ 2,662 44 DuA to Banks In other States 
 
Other Real E!<tate Owned __ --------- Call Money ---------------Due from Banks In this State 5,747 83 Individual Deposits Subject 
 
Due from Banks In other 
 
to Ch<"ck ---------------- 17,314 17 
 
States ------------------- 3,056 1o Demand Certificates of Deposit Currency --~--------------- 1,596 oo Time Certificates of Deposit 16,283 24 
 
Gold ----------------------- 
 
122 50 Ravings DADOSit!< ---------- 
 
Silver, Nickels. Pennies ____ 1,120 03 Trust Funds on Deposit ___ _ 
 
Advances on Cotton________ --------- Cashier's Checks ------------ 976 21 
 
Advances on otheorCommodities Checks for Clearing House __ 
 
---~4~-55 
 
Certified Checks -----------Bills Payable -------------- 
 
33,000 00 
 
Other Checks and Cash Items Customers' Liability on Let- 
 
325 17 NotM and Bills Rediscounted 16,277 80 C<>rtlficate~ of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- _________ Liability on Letters of Credit 
 
Overdrafts (If any) -------- 1,330 72 and Acceptances ---------- 
 
Other Assets: 
 
Reserv<> for Interest and Taxes 
 
Profit and Loss ------------ 1,011 15 Othe,r Liabilities____________ 
 
Total --------------------$103,851 42 Total --------------------$103,851' 42 
 
 r 
 
586 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF WARWICK, WARWICK. 
 
At Close of Bus'iness November 2, 1920. 
 
President-A. J. Davis. Vice-President-A. J. Gaughf. Cashie.r-M. L. Ivey. 
 
,Directors-A. J. Davis, A. J. Gaughf, M. L. Ivey, W. D. Etheridge, J. L. Story, 
 
W. A. Aultman, E. W. Finn. 
 
Date of Charter-November 28, 1910. 
 
Began Business--January 1, 1911. 
 
RESOURCES 
 
LIABILITlES 
 
TDiemmea nLdo aLn so a-n-s- - -_-_-_-_-_-_-_-_-_-_-_-_$ 
 
86,128 1,476 
 
07 00 
 
Loans Secured by Real Estate 
 
United States Bonds_______ _ Other Stocks and Bonds ___ _ 
 
136 87 
 
Banking House -~---------Furniture and Fixtures______ Other Real Estate Owned ___ _ 
 
1,700 00 
2,265 00 200 00 
 
Due from Banks in this State 
 
and Due from Banks in 
 
other States ------------- 8,490 09 
 
Currency ----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie--s-__-_-_--_ 
 
816 00 110 00 602 55 
 
Advances on Cotton ________ _ 11,228 40 
 
Advances on other Commodities 
 
Checks for Clearing House __ 
 
399 47 
 
Other Checks and Cash Items 
 
310 58 
 
Customers' Liability on T"et- 
 
ters of Credit and Accept- 
 
O vaenrcdersa f-t-s - -(-i-f- -a-n- -y-)-------------- -Other Assets -------------- 
 
336 38 
 
Capital Stock Paid In_______$ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 5,000 00 
 
Undivided Profits ---------- 2,976 34 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
728 00 
 
Due to Banks in other States 
 
Call Money ---------------IndtoiviCduhaecl k D_e_p_o_s_i_t_s___S_u_b_j_e_c_t 33,756 93 
 
Demand Certificates of Deposit 
 
Time Certificates of Deposit 16,241 92 Savings Deposits _________ _ 
 
Trust Funds on Deposit ___ _ 
 
Cashier'" Checks ----------- 
 
447 71 
 
CNtified Checks ------------ 
 
Bills Payable -------------- 30,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Credit 
 
and Acceptances --------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
48 51 
 
Total --------------------$114,199 41 Total --------------------$114,199 41 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ________________ $ 71,171 42 
 
Demand Loans ___________ _ 
 
976 00 
 
Loans Secured by Real Estate 4,763 32 
 
United States Bonds _______ _ 
 
Other Stocks and Bonds ___ _ -----)---- 
 
Banking House ------------ 1,700 00 
 
Furniture and Fixtures_____ _ 2,265 00 
 
Other Real Estate Owned ___ _ 
 
200 00 
 
Due from Banks in this State 1,019 87 
 
Due from Banks in other 
 
States ---~------------- 
 
954 78 
 
Currency ------------------ 1,332 OD 
 
SGiolvlder, --N-i-c-k-e-ls-.--P--e-n-n-ie--s -_-__-_--_ 
 
90 00 322 07 
 
Advances on Cotton _______ _ 6,101 21 
 
Advances on Cotton Seed___ _ 1,433 87 
 
Checks for Clearing House __ 
 
Other Checks and Cash Items 
 
531 03 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
O vaenrcdersa f-t-s - -(-i-f- -a-n- -y-)---------------- 
 
2 20 
 
Other Assets --------------- 
 
Capital Stock Paid In_______$ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid _________ _ Due to Banks in this State __ 
 
5,000 00 3,27 4 25 
720 00 
 
Due to Banks in other States 
 
Call Money ---------------IndtoiviCduhaelck D_e_p_o_s_i_t_s__S__u_b_j_e_c_t 16,763 15 
 
Demand Certificates of Deposit 
 
Time Certificates of Deposit 12,394 17 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ---------- 
 
711 20 
 
Certified Checks -----------Bills Payable -------------- 29,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances ________ _ 
 
ORethseerrveLifaobr iIlnittieerse_s_t_a_n__d_T__a_x_e_s 
 
Total --------------------$ 92,862 77 Total --------------------$ 92,862 77 
 
 FIRST ANNUAL REPORT 
 
587 
 
EXAMINER'S BEPOBT. 
 
WASHINGTON EXCHANGE BANK, WASHINGTON. 
 
At Close of Business September 23, 1920. 
 
President..:...J. R. Dyson. Vice-President-G. Y. Lowe. Cashier-Alexander Irvin. 
 
.Directors--M. A. Pharr, Barnett Green, M. P. Pope, Dr. J. G. Wright, Wm. M. 
 
Wynne., J.r., J. T. Lindsey, L. D. Faver, Alexander Irvin. 
 
Date of Charter-December, 1888. 
 
Began Business-January 1, 1889. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$634,135 05 
 
Demand Loans ------------ 47,058 60 Loans Secured by Real Estate 67,529 60 
 
United States Bonds________ 1,887 41 
 
Other Stocks and Bonds____ 
 
500 00 
 
Banking House ------------ --------Furniture and Fixtures______ 7,000 00 
 
Other Real Estate Owned____ --------Due from Banks in this State 75,119 63 
 
Due from Banks in other 
 
States ------------------- 21,079 30 Currency ------------------ 5,258 00 
 
Gold ---------------------- 
 
220 00 
 
Silver, Nickels, Pennies_____ 1,445 3< 
 
Advances on Cotton________ --------- 
 
Advances on other Commodities --------Checks for Clearing House__ 1,923 89 
 
Other Checks and Cash Items --------Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- --------- 
 
Overdrafts (if any)-------- 4,013 78 
 
Other Assets --------------- --------- 
 
Capital Stock Paid ln _______ $100,000 00 
 
Amt. Reserved for Branches surplus Fund ______________ 
 
-5-o~ooo-oii 
 
Undivided Profits ---------- 
 
936 10 
 
Dividends Unpaid __________ --------- 
 
Due to Banks in this State__ --------Due to Banks in other States --------- 
 
Call Money ---------------- --------Individual Deposits Subject 
 
to Check ---------------- 252,485 66 
 
Demand Certificates of Deposit --------- 
 
Time Certificates oi Deposit 87,127 50 
 
Savings Deposits ---------- --------Trust Funds on Deposit____ --------- 
 
Cashier's Checks ---------- 2,098 16 
 
Certified Checks ------------ --------Bills Payable -------------- 252,044 08 
 
Notes and Bills Rediscounted 122,479 10 
 
Certificates of Deposit for 
 
Borrowed Money --------- --------- 
 
Liability on Letters of Credit 
 
and Acceptances --------- --------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ---------- --------- 
 
Total --------------------$867,170 60 Total --------------------$867,170 60 
 
BANK'S STATEMENT at Clos.e of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$503,626 51 
 
Demand Loans ------------ 33,292 30 
 
Loans Secured by Real Estate 62,873 16 
 
United States Bonds________ 
 
200 00 
 
Other Stocks and Bonds____ 2,187 41 
 
Banking House ------------ --------Furniture and Fixtures_____ 7,628 75 
 
Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States --------~--------Currency -----------------Gold ---------------------Silver, Nickels, Pennies_____ 
 
--------32,766 62 
11,527 08 6,073 00 160 00 2,364 47 
 
Advances on Cotton________ --------- 
 
Advances on othell" Commodities --------Checks for Clearing House__ --------Other Checks and Cash Items 1,107 15 Customers' Liability on Let- 
ters of Credit and Accept- 
 
Ovaenrcdersaf-t-s--(-i~f--a-n-y-)-_-_-_-_-_-_--_-_ --3-,-2-2-0--81- 
 
Other Assets --------------- --------- 
 
Capital Stock Paid ln_______ $100,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-5o~iiiiii-iio 
 
Undivided Profits ---------- 5,328 61 
 
Dividends Unpaid __________ --------- 
 
Due to Banks in th1s State__ --------Due to Banks in other States --------- 
Call Money ---------------- --------Individual Deposits Subject 
 
to Check -----"------------ 183,836 06 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-73,345-94 
 
Savings Deposits ---------- --------Trust Funds on Deposit____ --------Cashier's Checks __________ 4,261 54 
 
Certified Checks ------------ --------Bills Payable -------------- 187,500 00 Notes and Bills Rediscounted 62,755 17 Certificates of Deposit for 
 
Borrowed Money --------- --------Liability on Letters of Credit 
and Acceptances _________ --<------- 
 
Reserve for Interest and Taxes --------- 
 
Other Liabilities ---------- --------- 
 
Total --------------------$667,027 32 Total --------------------$667,027 32 
 
 588 
 
BANKING DEPARTMENT 
 
E:X:Al!IINEB'S BEPOB'l'. 
 
WASHINGTON LOAN & BANKING COMPANY, WASHINGTON. 
 
At Close of Business August 24, 1920. 
 
President-W. T. Johnson. Vice-President-T. J. Barksdale. Cashier-T. J. Barksdale. 
Directors-W. T. Johnson, T, J. Barksdale, Jas. A. Binson, G. A. Greene, T. B. Walton, R. D. Callaway, E. S. Johns, G. Toombs, W. E. Shelton. 
 
t>ate of Charter-1889-1890. 
 
Began Business-May 1, 1895. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$414,937 98 Capital Stock Paid In_______ $ 50,000 00 
 
Demand Loans ------------ 5,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 50,000 00 United States Bonds________ 31,000 00 Undivided Profits ---------- 45,050 49 Other Stocks and Bonds____ 12,500 00 Dividends Unpaid _________ _ 
 
Banking House ------------ --------- Due to Banks in this State __ Furniture and Fixtures______ 4,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks In this State 18,132 21 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check _______________ _ 215,698 90 
 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ 
 
7,957 31 Demand Certificates of Deposit 1,427 00 Time Certificates of Deposit_ 
12 50 Savings Deposits _________ _ 4,951 67 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton __ .... ____ 6,391 17 Cashier's Checks ----------- 
 
Advances on othocCommodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ 
 
36 21 Bills Payable -------------- 143,500 00 
 
Other Checks and Cash Items 
 
767 40 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- --------- Liability on Letters of Credit Overdrafts (if any)________ 3,527 11 and Acceptances --------- 
 
Other Assets -------------- ----- ____ Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$504,249 39 Total --------------------$504,249 39 
 
BANK'S STATEMENT at Close of B)lsiness December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$346,164 01 
 
Demand Loans ------------ --------- 
 
Loans Secured by Real Estate --------United States Bonds________ 30,000 00 Other Stocks and Bonds____ 500 00 
 
Banking House ------------ --------Furniture and Fixtures______ 4,000 00 
 
Other Real Estate Owned____ --------Due from Banks in this State 22,237 37 
 
Due from Banks in other States ------------------- 15,836 00 
 
Currency ------------------ 4,989 00 
 
Gold ----------------------- 
 
35 00 
 
Silver, Nickels, Pennies_____ 9,170 24 
 
Advances on Cotton________ --------- 
 
Advances on othe<rCommodities _________ 
 
Check;s for Clearing House --------- 
 
Other Checks and Cash Items --------Customers' Liab!lity on Let- 
ters of Credit and Accept- 
 
ances -------------------- --------- 
 
Overdrafts (if any) Secured 
 
934 56 
 
Other Assets -------------- --------- 
 
Capital Stock Paid In _______ $ 50,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 50,000 00 Undivided Profits ---------- 39,538 95 Dividends Unpaid ---------- 
 
Due to Banks in this State __ Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------- 100,252 32 Demand Certificates of De- 
posit -------------------- 51,741 52 Time Certificates of Deposit Savings Deposits ---------- 7,842 39 Trust Funds on Deposit_ __ _ Cashier's Checks ______,___ _ 
 
Certified Checks -----------Bills Payable -------------- 134,500 00 Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed M-~ney --------Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
-.....(------- 
 
Other Liabilities ---------- 
 
Total --------------------$433,875 18 Total --------------------$433,875 18 
 
 FIRST ANNUAL REPORT 
 
589 
 
BXAllllllii"BB'S BBPOBT. 
 
OCONEE COUNTY BANK, WATKINSVILLE. 
 
At Close of Business. August 2, 1920. 
 
President-A. W. Ashford. Vice-President-J. A. Jones. Cashier-C. A. Ashford. 
 
Directors-A. W .. Ashford, J. A. Jones, C. A. A'shford, M. J. Roberson, B. M. Veal, 
 
Hugh Ward, H. E. McRae, W. S. Elder, G. T. Ashford. 
 
Date of Charter-1904. 
 
Began Business-1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$200,355 25 Demand Loans ------------ 5,789 35 Loans Secured by Real Estate 23,079 17 
 
Capital Stock Paid In_______ $ 22,500 00 Amt. Reserved for Branches 15,000 00 Surplus Fund -------------- 5,000 00 
 
United States Bonds ------Other Stocks and Bonds____ Banking House -----------Furniture and Fixtures______ 
 
8,173 11 Undivided Profits ---------- 10,951 39 
 
2,600 00 Dividends Unpaid ---------- 
 
166 00 
 
1,563 99 3,280 65 
 
Due to Banks in this State __ Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------- 
Currency -----------------GS iollvde r-, - -N-i-c-k-e-l-s ,- -P- -e -n-n-i e-s-_-_-_-_-_- 
 
--------57,340 42 
12,508 77 1,909 00 
- -1-,-1-5 5- - -85- 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------- 185,854 71 Demand Certificates of De- 
posit -------------------- 4,500 00 Time Certificates of Deposit Savings Deposits ---------- 
 
Advances on Cotton________ Advances on other Commodities 
 
----------------- 
 
Trust Funds on Deposit, Long and Short Account________ 
 
Checks for Clearing House__ 
 
156 01 Cashier's Checks ---------- 
 
679 35 '96 42 
 
Other Checks and Cash Items 
 
10 26 Certified Checks ------------ 
 
Customers' Liability on Let- 
 
Bills Payable -------------- 45,000 00 
 
ters of Credit and Accept- 
 
Notes and Bills Rediscounted 64,302 10 
 
O vaenrcdersa f-t-s- -(-i-f- -a-n-y-)-_-_-_-_-_-_-_- _- 
 
- -8-,-8-1 0- - -32- 
 
Certificates of Deposit for Borrowed Money --------- 
 
Other Assets -------------- 17,307 82 Liability on Letters of Credit and Acceptances --------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$344,039 97 Total --------------------$344,039 97 
 
BANK'S ,STATE:MENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$207,459 76 Capital Stock Paid In _______ $ 22,500 00 
 
Demand Loans ------------ 16,752 64 Amt. Reserved for Branches 15,000 00 
 
Loans Secured by Real Estate 7,511 00 Surplus Fund -------------- 15,000 00 
 
United States Bonds________ 8,902 31 Undivided Profits ---------- 
 
527 48 
 
Other Stocks and Bonds____ 2,600 00 Dividends Unpaid ---------- 
 
30 00 
 
Banking House ------------ --------- Due to Banks in this State __ 
 
Furniture and Fixtures______ 3,727 45 Due to Banks in other States 
 
Other Real Estate Owned____ 1,563 99 Call Money ---------------- 
 
Due from Banks In this State 23,932 60 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 152,242 95 
 
States ------------------- 1,836 07 Demand Certificates of Deposit 
 
Currency ------------------ 7,207 00 Time Certificates of Deposit 9,500 00 
 
Gold ---------------------- 
 
10 00 Savings Deposits ---------- 
 
Silver, Nickels, Pennies_____ 1,801 29 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton_________ 9,146 83 Cashier's Checks ----------- 
 
773 24 
 
Advances on other Commodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ 1,065 08 Bills Payable -------------- 56,250 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 22,395 12 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any)________ 
 
531 56 and Acceptances --------- 
 
Other Assets: 
 
Reserve ---~--------------- 
 
22 72 
 
War Savings Stamps________ 
 
193 94 Other Liabilities ---------- 
 
Total --------------------$294,241 52 Total --------------------$294,241 52 
 
 1 
 
590 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
CITIZENS BANK, WAVERLY HALL. 
 
At Close of Business October 29, 1920. 
 
President-R. L. Baldwin. Vice-President-C. F .. Smith. Cashier-G. P. Stanford. 
 
Directors-R. L. Baldwin, C. F. Smith, G. P. Stanford, L. W. Stanford, H. H. 
 
Moultrie, T. J. Amos, John Moultrie. 
 
Date of Charter-September 13, 1909. 
 
Began Busines,s-September 9, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 27,319 93 
 
Demand Loans ------------ 9,505 99 
 
Loans Secured by Real Estate United States Bonds_______ _ 
 
Other Stocks and Bonds___ _ Banking House -----------Furniture and Fixtures______ 
 
4,623 1,984 
 
o86l 
 
2,343 14 
 
Other Real Estate Owned___ _ 
 
Due from Banks in this State 
 
and Due from Banks in 
 
other States ------------ 5,011 21 
 
Currency -----------------GSiollvder-, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton________ 
 
1,016 00 5 00 
527 05 
 
Advances on othe.-Commodities Checks for Clearing House__ _ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,948 49 8,8-47 29 
 
Ovaenrcdersaf-t-s--(-i-f--a-n-y-)--_-_-_-_-__-_--_ 1,807 95 
 
Other Assets -------------- 
 
Capital Stock Paid In _______$ 15,800 00 Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
 
384 99 1,283 28 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 30,852 47 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-~-o~iiii-33 
 
Savings Deposits ---------Cashier's Checks ---------Certified Checks ----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
3,147 24 2,500 00 
 
Borrowed Money --------Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and Taxes Other Liabilities: 
 
Cash Long ---------------- 
 
62 11 
 
Total ______________,______ $ 64,940 42 Total --------------------$ 64,940 42 
BANK'S STATEThlENT at Close of Business December 15, 1920. 
 
 FIRST ANNUAL REPORT 
 
591 
 
E:X:AMINEB'S BEPOBT. 
 
THE COMMERCIAL BANK, WAYCROSS. 
 
At Close of Business October 4, 1920. 
 
President-L. 0. Benton. Vice-Presidents-K. F. Rymer, P. A. Hay. Cashier-J. M. Norman. 
Directors-L. 0. Benton, J. N. Stinson, N. L. Gillis, K. F. Rymer, I. W. Odum, P. 
 
N. Harley, P. A. Hay, A. R. Hood, C. M. Sweat, J. M. Norman. 
 
Date of Charter-October 15, 1918. 
 
Began Business-October 31, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$163,676 23 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ____.________ 15,539 27 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surnlus FUnd -------------- 
 
United States Bonds________ 18,475 49 Undivided Profits ---------- 10,369 33 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ --------- Due to Banks in this State __ 
 
Furniture and Fixtures______ 9,000 00 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ---------------- 
 
Due from Banks in this State 88,026 40 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 219,088 46 
 
States ------------------Currency ------------------ 
 
7,795 73 13,930 00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-26,512-8'0 
 
Gold ---------------------- 
 
37 50 Savings Deposits ---------- 21,680 60 
 
Silver, Nickels, Pennies_____ 2,137 13 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton________ --------- Cashier's Checks ---------- 2,043 98 
 
Advances on otheil'Commodities _________ Certified Checks ----------- 
 
Checks for Clearing House__ 9,296 90 Bills Payable -------------- 
 
Other Checks and Cash Items 1,752 96 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any)-------- --------- and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and Taxes 
 
Cash Short ---------------- 
 
27 56 Other Liabilities ---------- 
 
Total --------------------$329,695 17 Total ---------------~----$329,695 17 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$160,726 40 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------ 15,367 77 Amt. Reserved for Branches Loans Secured by Real Estate _________ Surplus Fund -------------- 
 
United States Bonds________ 20,129 51 Undivided Profits ---------- 7,137 72 
 
Other Stocks and Bonds____ --------- Dividends Unpaid ---------Banking House --------~--- --------- Due to Banks in this State__ Furniture and Fixtures______ 8,!i00 00 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State 
 
--------45,441 25 
 
Call Money ---------------Individual Deposits Subject 
 
---...,/----- 
 
Due from Banks in other 
 
to Check ---------------- 201,511 97 
 
States ------------------Currency ------------------ 
 
16,492 11,710 
 
9~ 
00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-27.317-34 
 
Gold ---------------------- 
 
47 50 Savings Deposits ---------- 
 
Silver, Nickels, Pennies__.___ 1,516 68 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton________ --------- Cashier's Checks ----------- 2,211 78 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
ties ---------------------- 2,511 9R Bills Payable -------------Checks for Clearing House__ 4,000 19 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,734 55 Certificates of Deposit for 
 
Customers' Liability on Let. ters of Credit and Accept- 
 
Borrowed Money --------Liability on Letters of Credit 
 
ances -------------------- _________ and Acceptances --------- 
 
Overdrafts (if any)-------- --------- Reserve for Interest and Taxes 
 
Other Assets -------------- --------- Other Liabilities ---------- 
 
Total --------------------$288,178 81 Total --------------------$288,178 81 
 
 I 
1 
 
592 
 
BANKING DEPARTMENT 
 
EXAllllDII'EB'S BEPOBT. 
 
BANK OF WAYNESBORO, WAYNESBORO. 
At Close of Business September 15, 1920. 
President-C. w. Skinner. Vice-Pr,esidents-E. E. Chance, G. 0. Warnock. 
Cashier--A. J. Herrington. Directors-C. W. Skinner, E. E. Chance, G. 0. W,arnock, H. C. Daniel, W. 0. 
Gresham, H. A. Macauley. Date of Charter--\December 16, 1890. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$477.952 94 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------ 80,300 70 Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ United States Bonds________ 30,000 00 
Other Stocks and Bonds____ --------- 
 
Surplus Fund -------------UDnivdiidveinddeds UPnropfaiitds _-_-_-_-_-_-_-_-_--_ 
 
25,000 00 24,073 76 
 
Banking House ________:____ --------- Due to Banks In this State __ 
 
Furniture and Fixtures______ 4,680 92 Due to Bank,s in other States 7,739 58 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks In this State Due from Banks In other 
 
12,882 39 
 
indtoiviCduhaelck D_e_p_o..,s_i_t_s__S__u_b_j_e_c_t 200,390 58 
 
States ------------------- 14,769 44 Demand Certificates of Deposit Currency ------------------ 13,351 00 Time Certificates of Deposit 2,150 00 
 
GSiollvder-, --N-i-c-k-e-ls-,--P-e-n-n--ie-s-_-_-_-_-_- 
 
- -1-, 5- 2-3- - -99- 
 
Savings Deposits ---------- 280,360 53 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton________ 20,936 47 Cashier's Checks ---------- 4,866 56 
 
Advances on othocCommodities --------- Certified Checks ----------- 
 
Checks for Clearing House__ 2,842 69 Bills Payable -------------- 75,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
O vaenrcdersa f-t-s- -(-I-f- -a-n-y-)-_-_-_-_-_-_-_- _- 
 
- -9-,-9-4 -7 - -7-0 
 
Liability on Letters of Credit and Accentances --------- 
 
Other Assets: 
 
Reserve for interest and Taxes 
 
Bonds Purchased ---------- 
 
987 34 Other Liabilities ----------- 7,947 00 
 
Cash Short ---------------- 
 
19 29 
 
Total --------------------$677,528 01 Total --------------------$677,528 01 
 
BANK'S ,ST:ATEMENT at Close of BusineSS! December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$174,842 5R Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------ 104,149 37 Loans Secured by Real Es- 
tate, Approximately _____ _ 200,000 00 United States Bonds _______ _ 3~.324 85 Other Stocks and Bonds ____ _ 2,360 00 
 
Amt. Reserved for Branches Surnlus Fund -------------UDnivdiidveinddeds UPnropfaiitds -_-__-_-_-_-_-_-_--_ Due to Banks In this State __ 
 
25,000 00 27,148 93 
 
FBuarnnkiitnugr 
 
eHaonuds 
 
eF 
 
i 
 
-------~---- 
xtures_____ _ 
 
--------4,680 92 
 
Due to Banks In other States Call Money ---------------- 
 
Other Real Estate Owned____ --------- Individual Deposits Subject 
 
Due from Banks in this State Due from Banks In other 
States ------------------Currency -----------------GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
44,110 64 to Check ---------------- 211,957 85 
 
Demand Certificates of Deposit 29,709 74 Time Certificates of Deposit 
 
13,ooo on 
 
6,431 00 Savings Deposits ---------- 280,848 40 
 
10 00 1,938 70 
 
Trust Funds on DeposiL __ _ Cashier's Checks _________ _ 
 
1,585 29 
 
AAddvvaanncceess oonnotChootctConom-m--o-d-i-tl-e-s Checks for Clearing House __ 
 
-_-_-_-_ _- _- _-_- -_ 4,564 23 
 
Certified Checks ----------Bills Payable -------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money --------- 
 
ters of Credit and Accept- 
 
Liab!litv on Letters of C>-elllt 
 
O vaenrcdersa f-t -s - -(-i-f- -a-n- -y-)---------------- 
 
- -3-,-0-4 6- - -97- 
 
and Accentances --------Reserve for Interest and Taxes 
 
OPrtohfeirt AanssdetsL: oss___________ _ 
 
Other Liabilities ---------371 47 
 
Total --------------------$609,5fn 47 Total -----------------~--$609,540 47 
 
 FIRST ANNUAL REPORT 
 
593 
 
EXAliiilii'EB'S BEPOB'l'. 
 
CITIZENS BANK, WAYNESBORO. 
 
At Close of Business S.eptember 29, 1920. 
 
President-R. C. Neely. Vice-President-J. H. Whitehead. Cashier-H. W. Blount. 
 
Director!l--'R. C. Neely, J. H. Whitehead, H. W. Blount, Jno. A. Blount. J. T. Rackley, J. L. Boyd, W. M. Fulcher, A. F. EVans, A. W. Neely, G. A. Steadman. 
 
Date of Charter-February 2, 1898. 
 
Began Businesll--'Feb.ruary 2, 1898. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$255,536 09 Capital Stock Paid In _______$ 25,000 00 
 
Demand Loans ------------ 32,026 43 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 40,000 00 
 
United States Bonds________ 7,900 00 Undivided Profits _________ _ 19,939 36 
 
Other Stocks and Bonds____ 1,520 00 Dividends Unpaid _________ _ 
 
50 00 
 
Banking House ____________ 21,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures----~- 3,315 00 Due to Banks in other States 
 
Other Real Estate Owned____ 10,1'75 fi' Call Money ---------------Due from Banks in this State 48,327 22 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 421,621 64 
 
States ------------------Currency ------------------ 
 
28, 70~ 7,306 
 
1? 00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-:li,g-ijij-ijij 
 
GSoi llvde r-, - -N-i-c-k-e-l-s ,- -P- -e-n-n-i-e-s-_-_-_-_ -_ 
 
--~~376-99 
 
Savings Deposits _________ _ Trust Funds on Deposit_ __ _ 
 
Advances on Cotton_________ --------- Cashier's Checks _________ _ 3,868 11 
 
Advances on other Commodities ________ _ Certified Checks ___________ _ 
 
6 25 
 
Checks for Clearing- House__ --------- Bills Payable -------------- 
 
Other Checks and Cash Items --------- Notes and Bil1s Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
anees -------------------- ________ _ Liability on Letters of Credit 
 
Overdrafts (if any)________ 
 
879 89 
 
and Acceptances ________ _ _..J______ _ 
 
Other Assets: 
 
Reserve for Intl'>rest and TaXP0 
 
Depositors' Guarantee Fund_ 3,020 20 Other Liabilities ---------- 
 
Total --------------------$523,385 36 Total --------------------$523,385 36 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$186,842 33 Demand Loans ------------ 104,571 76 Loans Secured hv Real Estate 3~,!\87 1' United States Bonds________ 7.900 00 Other Stocks and Bonds____ 1,!\20 00 
 
Capital Stock Paid In _______ $ 25,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 4o.ooo orr 
 
Undivided Profits ----------- 22,064 01 
 
Dividends Unpaid _________ _ 
 
50 00 
 
Banking House ------------ 21,000 00 Due to Banks In this State __ Furniture and Fixtures______ 3,31 5 00 Due to Banks in other States 
 
Other Real Estate Owned ____ 10,175 fi' Call Mone.y ---------------- 
 
Due from Banks in this StatP 71,702 2o Undivided Profits ---------- 
 
Due from Banks In other 
 
Indiviilual Deposits Subject 
 
States ------------------- !'i,829 0? to Check ---------------- 306,579 81 
 
Currency ------------------ 10,000 00 Demand Certificates of De- 
 
GSoi llvde r-, - -N-i-c-k-e-l-s .- -P- e- n- -n-i e-s-_-_-_-_-_- 
 
--------9,702 75 
 
T ipmoes i tC e-r-t i-f-i c- a- t-e-s- -o- f- -D- -e-p-o-s-i-t 
 
9,060 00 
 
Advances on Cotton_________ --------Advances on otheo-Commodities --------Checks for Clearing- House__ --------Other Checks and Cash Items --------Customers' Llabilitv on Let- 
ters of Credit and Accept- 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
Cashier's Checks ----------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted 
 
192 19 6 25 
65,000 00 
 
ances -------------------- _________ Certificates of Deposit for 
 
Overdrafts (if any) -------- 1,806 50 Borrowed M.oney --------Other Assets -------------- _________ Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$467,952 26 Total ------------~-------$467,952 26 
 
 594 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
WAYNESBORO SAVINGS BANK, WAYNESBORO. 
 
At Close of Business September 30, 1920. 
 
President-J. H. W'hitehead. Vice-President-R. C. Neely. Cashier-S. A. Gray. 
 
Directors-J. H. Whitehead, R. C. Neely, G. A. Steadman, A. W .. Neely, P. B. Hall, 
 
F. B. Hall, F. H. Blount, H. A. Macauly, 
 
Date of Charter-March 6, 1911. 
 
Began Business-March 6, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
DT iemmea nLdo aLn so a-n-s- - -_-_-_-_-_-_-_-_-_-_-_-_$ 
Loans Secured by Real Estate United States Bonds _____ _ Other Stocks and Bonds ___ _ 
Banking House -----------Furniture and Fixtures____ _ Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------GSiolvlder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ Advances on Cotton________ _ Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of .Credit and Accept- 
O vaenrcdersa f-t-s- -(-i-f- -a-n-y-)- -_ -_ _- _- _-_-_- -_ 
Other Assets -------------- 
 
60,500 00 98,530 91 
4,100 00 1,000 00 
7,143 58 
 
Capital Stock Paid in ______$ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 15,000 00 Undivided Profits ---------- 3,707 97 Dividends Unpaid ---------Due to Banks in this State __ Due to Banks in other States 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits___________ _ 137,566 52 Trust Funds on Deposit_ __ _ 
Cashier's Checks ---------Certified Checks ----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances --------Reserve ior Inte,rest and 'l'aAes 
Other Liabilities ----------- 
 
Total ---------~----------$171,27~ 19 Total --------------------$171,27 4 49 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$161,783 20 Capital Stock Paid in _______$ 15,000 00 
 
DL oeamnasnSd e cLuor eadn sb y- -R-e-a-l- -E-s-t-a-t eUnited States Bonds________ Other Stocks and Bonds ____ Banking House ____________ 
 
_- _- _- _- _-_-_-_- -_ ________ _ 
5,100 00 _ _______ _ 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------- Dividends Unpaid _________ _ 
Due to Banks in this State __ 
 
15,000 00 6,424 61 
3,622 54 
 
Furniture and Fixtures_____ --------- Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State --------- Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 
 
States ------------------- --------- Demand Certificates of Deposit 
 
Currency ------------------- _________ Time Certificates of Deposit 
 
SGiolvlder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-_-__- 
 
-_ -_-_-_-_ _- _-_- -_ 
 
Savings Deposits ________ _ 126,836 05 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton_________ _________ Cashier's Checks ---------- 
 
Advances on otherCommodities Checks for Clearing House__ 
 
________ _ ________ _ 
 
BC ei lrltsi f iPe da y aCbhleec k_s_ _ _- _- _- _-_-_-_-_-_-_- -_ 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Letters of Credit and Accept- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ances -------------------- _________ Liability on Letters of Credit Overdrafts (if any)-------- --------- and Acceptances _________ 
 
Other Assets -------------- --------- Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$166,8"83 20 Total --------------------$166,883 20 
 
 FIRST ANNUAL REPORT 
 
595 
 
EXAMINER'S REPORT. 
 
CITIZENS BANK, WEST POINT. 
 
At Close of Business November 6, 1920. 
 
President-J. A. Avary. Vice-Presidents-E. C. Freeman, R. B. Dixon. 
 
Cashier-R. B. Dixon. 
 
Directors-.J. A. Avary, R. C. Freeman, R. B. Dixon, G. S. Cobb, G. S. Harris, 
 
Henry Hart, M. M. Hunt, R. W . .Jennings, \V . .J. Kerby, Sr., Geo, H. Lanier, 
 
L. Lanier, Phil Lanier, Mark McCullough, 0. G. Murphy. 
 
Date of Charte-r-February 17, 1917. 
 
Began Business-March 15, 1917. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$462,925 41 Capital Stock Paid In ______ $ 97,150 00 
 
Demand Loans ------------- 14,685 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 14,821 34 Surplus Fund ___ ----------- 15,930 00 United States Bonds ________ 37,850 00 Undivided Profits _________ _ 3,217 51 
 
Other Stocks and Bonds ____ 1,650 OQ Dividends Unpaid _________ _ 
 
Banking House -------~---- --------- Due to Banks in this State __ Furniture and Fixtures ____ 5,277 99 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Approved Reserve 
 
Individual Deposits Subject 
 
Agents ------------------ 33,505 51 to Check ----------------- 172,558 29 
 
Due from Banks in other 
 
Demand Certificates of Deposit 
 
States ------------------- _________ Time Certificates of Deposit 4,100 00 
 
Currency ------------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-_-_-_ 
 
12,915 00 1,520 00 
2,565 67 
 
Savings Deposits ----------Cashier's Checks __________ _ Certified Checks ___________ _ 
 
59,701 OR 
483 67 18 00 
 
Advances on Cotton_________ --------- Bills Payable ---~--------- 85,000 00 Advances on other Commodities ________ _ Notes and Bills Rediscounted 152,567 00 
 
Checks for Clearing House__ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
832 40 --------- 
 
Certificates of Deposit 'for Borrowed Money ________ _ 
Liability on Letters of Credit and Acceptances --------- 
 
_..J ______ _ 
 
ances -------------------- ________ _ Reserve for Interest and Taxes 
 
Overdrafts (if any)-------- ________ _ Other Liabilities ----------- 
 
Other Assets: -------------- 
 
254 9R 
 
709 52 
 
_Cash Items ---------------- 
 
631 77 
 
Total --------------------$589,435 07 Total --------------------$589,435 07 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$467,694 68 Capital Stock Paid In ______ $100,000 00 
 
Demand Loans ------------- 18,455 00 Amt. Reserved for Branches --------Loans Secured by Real Estate 115,096 87 Surplus Fund -------------- 16,500 00 
 
United States Bonds -------- 37,800 00 Undivided Profits ------<---- 5,810 84 Other Stocks and Bonds ____ 3,600 00 Dividends Unpaid __________ --------- 
 
Banking House ------------ _________ Due to Banks in this State__ --------Furniture and Fixtures ____ 5,277 99 Due to Banks in other States --------- 
 
Other Real Estate Owned____ Due from Banks in this State 
 
-2-8-,ii2-17 
 
Call Money ---------------Individual Deposits Subject 
 
--------- 
 
Due from Banks in other 
 
to Check __________________ 168,111 84 
 
--:l,ooo-oo Stat-es ------------------- 
Currency _____.:.____________ 
 
1,335 15,022 
 
8oo2 
 
Demand Certificates of Deposit Time Certificates of Deposit_ 
 
Gold ----------------------- 1,517 50 
 
Silver, Nickels, Pennies ____ 5,129 83 
 
Advances on Cotton_________ --------- 
 
Advances on other Commodities _________ 
 
Checks for Clearing House __ 2,617 77 
 
Other Checks and Cash Items 
 
330 77 
 
Customers' Liability on Let- 
 
Savings Deposits____________ 64,609 32 
 
Trust Funds on Deposit____ --------- 
 
Cashier's Checks____________ 
 
418 72 
 
Certified Checks ------------ 
 
4 68 
 
Bills Payable -------------- 85,000 00 
 
Notes and Bills Rediscounted 158,535 00 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- --------- 
 
ances -------------------- _________ Liability on Letters of Credit 
 
Overdrafts (if any)________ --------- and Acceptances --------- --------- 
 
Other Assets -------------- --------- Reserve for Interest and Taxes --------- 
 
Other Liabilities ----------- --------- 
 
Total --------------------$601,990 40 Total --------------------$601,990 40 
 
 r, 
 
596 
 
BANKING DEPARTMENT 
 
EX:AMilii'EB'S B.EPOB'l'. 
 
BANK OF WESTON, WESTON. 
 
At Close of Business July 17, 1920. 
 
President-G. W. Sims. Vice-Presidents-A. P. Passmore, M. J. Lovett. 
 
Cashier-L. W. Adams. 
 
Directors-G. W. Sims, A. P. Passmore, M. J. Lovett, I. L. Stapleton, L. 0. 
 
Brightwell. 
 
Date of Charter-May 6, 1913. 
 
Began Business-March 20, 1913. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$131,137 93 
 
Demand Loans ------------ 3,315 00 
 
Loans Secured by Real Estate 24,000 00 
 
United States Bonds -------- 
 
800 00 
 
Other Stocks and Bonds ____ 
 
50 00 
 
Banking House ------------ 1,964 67 Furniture and Fixtures ____ 1,822 64 
 
Other Real Estate Owned __ 1,000 00 
 
Due from Banks in this State 3,504 00 
 
Due from Banks in other 
 
States ------------------Currency ------------------ 
 
3,648 85 1,172 00 
 
GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
30 00 154 81 
 
Advances on Cotton_________ --------- 
 
Advances on other Commodities --------- 
 
Checks for Clearing House __ 
 
523 14 
 
Other Checks and Cash Items 
 
140 04 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaenrcdersaf-t-s--(-if--a-n-y-)---_-_-_-_-__-,-_-_ ----7-21---73- 
 
Other Assets -------------- 15,0f1l 83 
 
Capital Stock Paid In ______$ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund ----'---------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State __ 
 
1,500 00 9,462 25 
48 00 
 
Due to Banks in other States 
 
Call Money ---------------- 37,500 00 Individual Deposits Subject 
 
to Check ---------------- 55,332 77 Demand Certificates of Deposit 
 
Time Certificates of Deposit 54,435 95 
 
CSaavshiniegrs's DCehpeocskitss__-_-_-__-_-_-_-_-_--_ 
 
460 17 507 50 
 
Certified Checks ----------Bills Payable -------------- 15,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------- 
 
Liability on Letters of Credit 
 
and Acceptances --------- 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$189,246 64 Total ----.----------------$189,246 64 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$110,680 92 Capital Stock Paid In ______ $ 15,000 00 Demand Loans______________ 5,974 51 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 22,815 20 Surplus Fund -------------- 1,500 00 
 
United States Bonds_~-----Other Stocks and Bonds ____ 
 
600 00 Undivided Profits ---------- 4,273 77 
 
50 00 Dividends Unpaid _____ --<---- 
 
48 00 
 
Banking House ------------- 1,964 67 Due to Banks in this State __ 
 
Furniture and Fixtures ____ 1,822 64 Due to Banks in other States 
 
Other Real Estate Owned ___ 1,000 00 Call Money ---------------- 38,500 00 Due from Banks in this State 4,823 37 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 42,760 25 
 
States ------------------- 
Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
56 70 Demand Certificates of Deposit 
 
442 00 25 00 
 
Time Certificates of Deposit Savings Deposits___________ _ 
 
52,833 97 678 39 
 
336 39 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton and Farm 
 
Cashier's Checks ---------- 
 
677 36 
 
ChPercokdsufcotrs C-l-e-a-r-i-n-g-~H-o-u--s-e-_-_ 
 
11,660 25 500 00 
 
Certified Checks ----------Bills Payable -------------- 
 
14,000 00 
 
Other Checks and Cash Items 
 
401 70 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
OtahnecreAs s-s-e-t-s-: --------------- 
 
--------- 
 
Liability on Letters of Credit and Acceptances --------- 
 
Depositors' Guarantee Fund 3,056 55 Reserve for Interest and Taxes 
 
Mutual Fire Insurance Fund 
 
120 00 Other Liabilities ----------- 
 
County Warrants ---------- 3,941 g4 
 
Total --------------------$170,271 74 Total --------------------$170,271 T4 
 
 FIRST ANNUAL REPORT 
 
597 
 
EXAlllliNEB'S BEPOB'r. 
 
MERCHANTS &PLANTERS BANK, WHIGHAM. 
At Close of B~iness July 19, 1920. 
 
Pres,ident-T. J. Mills. Cashier-R. S. Kennimer. 
 
Di.rectors-T. J. Mills, R. S. Kennimer, S. F. Lodge. 
 
Date of Charter-June 18, 1918. 
 
Began Business-June 18, 1918. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 86,303 67 
 
Demand Loans ------------ 11,694 73 
 
Loans Secured by Real Estate 
 
United States Bonds -------- 
 
450 00 
 
Other Stocks and Bonds ___ _ 
 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned___ _ Due from Banks in this State Due from Banks in other 
States ------------------- 
Currency -----------------GSiollvder-, -N--ic-k-e-l-s-,-P--e-n-n-i-e-s--_-__-_--_ Advances on Cotton_________ 
 
4,000 00 3,214 29 -------\-10,044 86 
3,695 83 4,306 00 
55 00 850 88 
 
Advances on other Commodities Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,535 60 3 00 
 
O va enrcdersa f-t-s- -(-i-f- -a-n-y-)- -_ -_ _- _- _- _-_- -_ 
 
Other Assets -------------- 
 
125 13 
 
Capital Stock Paid In______$ 15,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---~----- Dividends Unpaid ---------Due to Banks in this State __ 
 
500 00 3,592 99 1,500 00 
 
Due to Banks in other States 
 
Call Money ---------------- 35,000 00 Individual Deposits Subject 
 
to Check ---------------- 57,278 52 Demand Certificates of Deposit Time Certificates of DeposiL 12,166 10 
 
Savings Deposits ---------Cashier's Checks ------------ 1,241 38 
 
Certified Checks ----------- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and Taxes 
 
Other Liabili):ies ----------- 
 
Total --------------------$126,278 99 Total --------------------$126,278 99 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 79,093 84 Capital Stock Paid In______ $ 15,000 00 
 
Demand Loans ------------ --------- Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 
 
United States Bonds ________ 
 
450 00 Undivided Profits ---~----- 
 
500 00 1,052 34 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 1,500 00 
 
Banking House ------------ 4,000 00 Due to Banks in this State__ 
 
Furniture and Fixtures ____ 3,214 29 Due to Banks in other States 
 
Other Real Estate Owned____ ________ _ Call Money ---------------- 8,000 00 
 
Due from Banks in this State 8,110 54 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 57,160 24 
 
States ------------------Currency ------------------Gold ---------------------Silver, Nickels, Pennies ____ Advances on Cotton_________ 
 
1,581 82 --------- 
6,791 37 --------________ _ 
 
Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
Cashier's Checks ---------- 
 
15,122 60 1,246 87 
 
Advances on other Commodi- 
 
Certified Checks ----------- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o-u--se--__- . __3_,_2_2_0__19_ 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
15,000 00 
 
Other Checks and Cash Items --------Customers' Liability on Let- 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t-s - -(-i-f- -a-n- -y-)-------------- -- 
 
_- _- _-_-_-_-_-_- -_ 
 
and Acceptances _________ ~ Reserve for Interest and Taxes 
 
Other Assets: 
 
Other Liabilities ----------- 
 
Mutual Fire Fund ---------- 
 
120 00 
 
Total --------------------$106,582 05 Total --------------------$106,582 05 
 
 598 
 
BANKING DEP.A.RTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF WHITE PLAINS, WHITE PLAINS. 
 
At Close of Business July 12, 1920. 
 
President-W. C. Davidson. Cashier-L. F. Goodrich. 
 
Directors-W. C. Davidson, R. L. Jernigan, H. I. Moore, J. R. McKinley, L. F. 
 
Goodrich. 
 
Date of Charter-June 11, 1904. 
 
Began Business-July 8, 1904. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$103,916 21 
 
Demand Loans ------------ --------Loans Secured by Real Estate 5,000 00 
 
United States Bonds ________ 
 
700 00 
 
Other Stocks and Bonds ____ 4,200 00 
 
Banking House ------------ 3,500 00 Furniture and Fixtures______ 1,620 00 
 
Other Real Estate Owned ___ _ Elue from Banks in this State 
 
--9~749-'44 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiolvlder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
2,120 30 3,669 00 
10 00 438 88 
 
Advances on Cotton_________ --------- 
 
Advances on othe~Commodities --------- 
 
Checks for Clearing House __ 
 
404 15 
 
Other Checks and Cash Items 
 
1!) 00 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaenrcdersaf-t-s--(-if--a-n-y-)------------------ --1-,-24-3---90- 
 
Other Assets: 
 
Jno M Healmes Ins Co 
 
146 25 
 
Capital Stock Paid In_______$ 25,000 00 
 
Amt. Reserved for Branches USunrdpivluids edFuPnrdof-i-ts--_-_-_-_-_-_-_-_-_--_ Dividends Unpaid _________ _ 
 
6,125 81 4 00 
 
Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit 
 
67,922 91 7,750 00 
 
----2o-si CSaavshiniegrs's DCehpeocskitss__-_-_-_-_-__-_-_-_--_ 
 
Certified Checks ----------Bills Payable -------------- 30,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for Borrowed Money ________ _ 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$136,823 13 Total --------------------$136,823 13 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 96,055 20 Demand Loans ------------ 2,236 35 
 
Loans Secured by Real Estate 5,000 00 
 
United States Bonds -------- 
 
700 00 
 
Other Stocks and Bonds ___ _ 4,325 00 
 
Banking House ------------ 3,500 00 Furniture and Fixtures ___ _ 1,660 00 
 
Other Real Estate Owned ___ _ -------~Due from Banks in this State 5,911 44 
 
Due from Banks in other 
 
States ------------------- ---.-----Currency ------------------ 1,579 00 
 
GSiollvder-, -N--i~c-k-e-l-s,--P--e-n-n-i-e-s--_-_-_-_ Advances on Cotton _______ _ 
 
10 00 550 72 
1,508 97 
 
Advances on other Commodi- 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -__Other Checks and Cash Items 
 
3,449 81 ----1-42---4-3 
 
Customers' Liability on Let- 
 
ters of Credit and Accepr- 
 
Ovaenrcdersaf-t-s--(-if--a-n-y--) --_-_-_-_~_-_-_-_ 2,129 18 
 
Other Assets -------------- 
 
Capital Stock Paid In ______ $ 25,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------UDnivdiidveinddeds UPrnopfaiitds -_-__-_-_-_-_-_-_--_ 
Due to Banks in this State__ Due to Banks in other States 
 
5,379 72 4 00 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- . 54,287 92 Demand Certificates of Deposit Time Certificates of Deposit 8,473 33 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks____________ 
 
113 13 
 
Certified Checks ----------Bills Payable -------------- 
 
-35~5-oo-oo 
 
Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _________ _ 
 
Reserve for Inte,rest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$128,758 10 Total --------------------$128,758 10 
 
 FIRST ANNUAL REPORT 
 
599 
 
EXAMINEE'S BEPOBT. 
 
THE WHITESBURG BANKING COMPANY, WHITESBURG. 
At Close of Business November 19, 1920. 
 
President-W. '1'. Jones. Vice-PJ"esident-T. W. Camp. Cashier-J. A. Jones. 
 
Directors-W. T. Jones, J. R. M. Carter, T. W. Camp, T. J. Jones, R. E. L. Jones. 
 
Date of Charter-September 11, 1907. 
 
Began Business-November 18, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 52,463 44 Demand Loans ------------- 1,989 00 
 
Loans Secured by Real Estate 
 
United States Bonds -------- 4,083 40 Other Stocks and Bonds ___ _ 
 
Banking House ------------- 1,529 70 Furniture and Fixtures ___ _ 2,440 18 
 
Other Real Estate Owned ___ _ 
 
Due from Banks ---------- 4,182 87 
 
Due from Banks in other States 
 
Currency ------------------ 1,950 00 
 
GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n-n-i-e-s-_-_-_-_-_-_ Advances on Cotton________ _ 
 
127 50 513.60 
 
Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
4,435 83 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y-)- - -- -- -- -- -- -- -- -Other Assets -------------- 
 
112 83 
 
Capital Stock Paid In______$ 15,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 10,000 00 Undivided Profits ---------- 2,135 83 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------nPmand Certificates of Deposit Time Certificates of Deposit 
 
21,173 49 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ 
 
505 87 
 
Certified Checks ----------Bills Payable -------------- 25,000 00 Notes and Bills Rediscounted Certificates of Deposit for 
 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _________ _ 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------Cash Long ---------------- 
 
13 16 
 
Total ---------------------$13,828 35 Total ---------------------$73,828 35 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ Demand Loans ---------~-- Loans Secured by Real Estate United States Bonds _______ _ Other Stocks and Bonds ___ _ Banking House ___________ _ 
Furniture and Fixtures ___ _ Other Real Estate Owned___ _ Due from Banks in this State Due from Banks in other States Currency ------------------ 
GSiollvder-, -N--ic-k-e-l-s-,-P--e-n-n-i-e-s--_-__-_--_ Advances on Cotton________ _ 
Advances on other Commodities Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O va ne rcdersa f-t-s - -(-i-f- -a-n- -y-)------------ -- -Other Assets -------------- 
 
47,938 84 754 00 
1,527 82 4,083 40 1,529 70 2,440 18 
3, 661 00 2 50 
640 36 
71 82 
 
Capital Stock Paid In ______ $ 15,000 00 Amt. Reserved for Branches Surplus Fund -------------- 10,000 00 UDnivdiidveinddeds UPnropfaiitds _-_-_-_-_-_-_-_-_--_ 2,632 73 
 
Due to Banks in this State __ Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
to Check---------------Dc,mand Certificates of Deposit Time Certificates of Deposit 
 
21,762 42 
 
Savings Deposits ---------Trust Funds on Deposit ___ _ 
Cashier's Checks ---------Certified Checks ----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
------~~-- 
206 02 17,000 00 
 
LiaanbdilitAycocnepLtaentcteerss__o_f__C_r_e_d_i_t 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$ 66,601 17 Total --------------------$ 66,601 17 
 
 l 
 
600 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOB'r. 
 
BANK OF WILLACOOCHEE, WILLACOOCHEE. 
 
At Close of Business July 8, 1920. 
 
President-J. E. Gaskins. Vice-President-J. A. Gaskins. Cashier-J. A. McGregor. 
 
Di.rectors-J. E. Gaskins, J. A. Gaskins, J. A. McGregor, Otis Poulk, E. C. Henderson. 
 
Date of Charter--IDecember 21, 1900. 
 
Began Business-March 18, 1901. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 96.841 67 Capital Stock Paid In _______ $ 25,000 00 
 
Demand Loans ------------ 16,161 41 Amt. Reserved for Branches 
 
Loans Secured by Real Estate _________ Surplus Fund -------------- 
 
United States Bonds ______ _ 11,220 29 TTndivlded Profits ---------- 6,935 79 
 
Other Stocks and Bonds ___ _ 
 
849 10 Dividends Unpaid ---------- 
 
Banking House ------------ 5,000 00 Due to Banks In this State __ 
 
997 81 
 
Furniture and Fixtures ___ _ 1,820 50 Due to Banks in other States 
 
Other Real Estate Owned __ 
 
52 96 Call Money ---------------- 
 
Due from Banks in this State 17,639 72 Individual Deposits Subject 
 
Du<> from Banks in other 
 
to Check ---------------- 46,672 93 
 
States ------------------- 1,590 81 Doemand Certificates of Deposit 
 
Currency ------------------ 3,107 00 Time Certificates of Depos!L 62,354 46 
 
GRiollvder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ Advances on Cotton________ _ 
 
25 00 Savings Deposits ---------408 60 Cashier's Checks ------------ 
Certified Checks ------------ 
 
304 55 
 
Advances on other Commodities 
 
Bills Payable -------------- 15,000 00 
 
Checks for Clearing House __ 
 
791 60 Notes and Bills Rediscounted 
 
Other Checks and Cash Items 1,854 23 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ________ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t-s- -(-i-f- -a-n- -y-)-------------- -- 
 
and Acceptances _________ __, Reserve for lnterest and Taxes 
 
Other Assets: 
 
Other Liabilities ---------- 
 
97 40 
 
Total --------------------n57,362 9 4 Total --------------------$157,362 94 
 
BANK'S ,STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 75,869 R1 
 
Demand Loans ------------- 13,010 9S 
 
Loans Secured by Real Estate United States Bonds _______ _ 
 
17,81)0 33 12,336 84 
 
Other Stocks and Bonds ___ _ 
 
Banking House ------------ 5,000 00 
 
_______ Furniture and .Fixtures ___ _ 1,820 50 
 
Other Real Estate Owned ___ _ 
 
\...._ 
 
Due from Banks in this State 9,098 38 
 
Due from Banks in other 
 
States ------------------- 
 
38 89 
 
Currency ------------------ 1,923 00 
 
GSiollvder-, -N--i-c-k-e-ls-.--P-e-n--n-ie-s---_-__--_ Advances on Cotton ________ _ 
 
20 00 836 60 
 
Advances on other Commodities Checks for Clearing House __ 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
2,602 40 1,118 82 
 
O vaenrcdersa f-t-s- -(-i-f- -a-n- -y-)------------ -- -Other Assets -------------- 
 
Capital Stock Paid In______$ 25,000 00 Amt. Reserved for Branches 
 
Surnlus Fund -------------Undivided Profits ---------- 3,614 25 
 
Dividends Unpaid ---------Due to Banks In this State __ Due to Banks in other States 
 
892 56 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 35,031 03 Demand Certificates of Deposit Time Certificates of Deposit 61,662 80 
 
TSrauvsint gFsunDdepoonsDitsepo--si-t--_-_-_-__--_ Cashier's Checks____________ 
 
325 91 
 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money ________ _ 
 
15,000 00 
 
Llabil!tv on Letters of Credit and Accentances __________, 
 
Reserve for Interest and Taxes 
 
Other Liabilities ---------- 
 
Total --------------------$141,526 55 Total --------------------$141,526 55 
 
 FIRST ANNUAL REPORT 
 
601 
 
B:XAMilii'BB'S BBPOBT. 
 
MERCHANTS & FARMERS BANK, WILLACOOCHEE. 
 
At Close of Business August 28, 1920. 
 
President-B. G. Oberry. Vice-President-J. M. Roberts. Cashier-Miss Pansy 
 
Linder. 
 
Directors-B. G. Obe~ry, J. M. Roberts, Henry Paulk, Aaron Nutts, J. J. Vickers. 
 
Date of Charter-May 26, 1906. 
 
Began Business-August, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$151,457 93 Capital Stock Paid In_______ $ 18,000 00 Demand Loans ------------ 4,970 75 Amt. Reserved for Branches Loans Secured by Real Esfate ________ _ Surplus Fund -------------- 7,500 00 United States Bonds -------- 4,350 00 Undivided Profits ---------- 16,787 95 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ 2,400 00 Due to Banks in this State __ Furniture and Fixtures____ 2,403 3r, Due to Banks in other States 
 
Other Real Estate Owned____ 
 
404 00 Call Money ---------------- 
 
Due from Banks in this State 39,548 45 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-__--_ 
 
2,438 98 8,151 00 
545 00 333 71 
 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
88,914 12 87,946 04 
 
Advances on Cotton_________ --------- Cashie~s Checks ----------Advances on other Commodities _________ Certified Checks ------------ 
 
375 74 
 
Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
 
1,201 00 Bills Payable -------------1,146 14 Notes and Bills Rediscounted 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money --------- 
 
Ov~':-~~!fts--(if--any)======== ----77-25 LiaanbdilitAycocnepLtaentcteerss__o_f__C_r_e_d_i_t 
 
Other Assets -------------- 
 
95 77 Reserve for Interest and Taxes 
 
Other Liabilities ----------- 
 
Total --------------------$219,523 85 Total --------------------$219,523 85 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---~------------$ 80,182 95 
 
Demand Loans ------------ 4,334 25 
 
Loans Secured by Real Estate 60,593 35 
 
United States Bonds_______ _ 4,394 00 
 
--------- Other Stocks and Bonds ___ _ 
FBuarnnkiitnugre HaonudseFi-x-tu--re--s-_-_-__-_--_ 
 
2,400 00 2,951 70 
 
Other Real Estate Owned ___ _ 
 
404 00 
 
Due from Banks in this State 14,280 16 
 
Due from Banks in other 
 
States ------------------- 
 
823 36 
 
Currency ------------------ 3,677 00 
 
GSiollvder-, --N-i-c-k-e-ls-,--P-e--n-n-ie-s--__-_-_--_ Advances on Cotton________ _ 
--------- Adances on other Commodities --------- Checks for Clearing House__ --------- Other Checks and Cash Items 
 
535 00 442 80 1, 719 68 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
O vaenrcdersa f-t-s- -(-i-f- -a-n- -y-)------------ -- -Other Assets -------------- 
 
Capital Stock Paid In_______ $ 18,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--7~5oo-oo 
 
Undivided Profits ---------- 14,381 30 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
48,344 44 87,832 84 
 
Cashier's Checks ---------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money --------Liability on Letters of Credit 
and Acceptances _________ _ 
 
679 67 
 
Reserve for Interest and 
 
OtThaexr eLs ia-b-i-li-t-ie-s------------------------ 
 
Total --------------------$176,738 25 Total --------------------$176,738 25 
 
 602 
 
BANKING DEPARTMENT 
 
EXAMINER'S BEPOBT. 
 
BANK OF WILLIAMSON, WILLIAMSON. 
 
At Close of Business August 17, 1920. 
 
President-A. P. Dickinson. Vice-President-A. Steinheimer. 
 
Cashier-F. W. Vaughn. 
 
Directors-A. P. Dickinson, A. Steinheimer, M. F. Anderson, T. B. Howard, J. C. 
 
Beauchamp, C. A. Yarbrough, S. S. Marsh. 
 
Date of Charter-November 5, 1912. 
 
Began Business-December 9, 1912. 
 
RESOURC:h!S 
 
LIABILITIES 
 
Time Loans ----------------$150,461 54 Demand Loans ____________ 15,525 00 
 
Loans Secured by Real Estate --------- 
 
United States Bonds________ 
 
95 00 
 
Other Stocks and Bonds ____ --------- 
 
Banking House ------------ 2,076 84 
 
Furniture and Fixtures______ 2,323 32 
 
Other Real Estate Owned____ Due from Banks in this State 
 
--3~5]'1"'62 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiolvlder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ 
 
8,353 70 
3,415 00 
40 00 678 56 
 
Advances on Cotton_________ --------- 
 
Advances on othe!rCommodities --------- 
 
Checks for Clearing House__ --------- 
 
Other Checks and Cash Items --------- 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovae~~~~it~-(ii-a;y)-======== --1~077-41 
 
Other Assets -------------- 17,120 00 
 
Capital Stock Paid In _______ $ 15,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund ---------- 
 
3,000 00 
 
Undivided Profits ---------- 11,893 83 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of De- 
posit -------------------Time Certificates of Deposit 
 
19,500 00 52,496 17 
8,500 00 
 
Savings Deposits ---------- 60,085 59 
 
Cashier's Checks ----------- 
 
285 10- 
 
Certified Checks ------------ 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
20,000 00 
 
Borrowed Money -------Liability on Letters of Credit 
and Acceptances__________ 
 
Reserve for Interest and 
 
Taxes ------------------Other Liabilities ----------- 17,000 00 
 
Total --------------------$207,760 69 Total --------------------$207,760 69 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCEEl 
 
LIABILITIES 
 
Time Loans ----------------$160,765 03 Demand Loans ____________ 9,745 70 
 
Loans Secured by Real Estate ________ _ Banking House ____________ 2,076 84 
 
Furniture and Fixtures______ 2,323 32 
 
Other Real Estate Owned____ ________ _ 
 
Due from Banks in this State 1,366 73 
 
Due from Banks in other 
 
CuSrtraetnecsy -_-_-_-_-_-,_ -__-_-_-_-_-_-_-_-_-_-_--_ 
 
294 74 472 00 
 
GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on C'otton_______ _ 
Advances on other Commodi- 
 
40 00 327 95 2,056 17 
 
ties ---------------------- 1,600 43 Checks for Clearing- House__ --------- 
 
Other Checks and Cash Items 1,115 10 Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaenrcdersaf-t-s--(-i-f--a-n-y-)-_-_-_-_-_-_-_--_ -----20---'7-9 
 
Other Assets: 
 
Depositors' Guarantee Fund __ 3,082 70 
 
Fire Insurance Fund _____ _ 
 
120 00 
 
Collection Account -------- 
 
10 00 
 
-------- Bond Deposit Account_ ____ _ 9,950 00 
 
Total --------------<------$195,367 50 
 
Capital Stock Paid In_~ _____ $ 15,000 on 
 
Amt. Reserved for Branches 
 
Surplus Fund _________ _ 
 
3,000 00 
 
Undivided Profits _________ _ 11,335 67 
 
Dividends Unpaid _________ _ 
 
Due to Banks in this State __ 
 
Due to Banks in other States Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit 
 
25,000 00 33,370 89 
 
Savings Deposits ---------- 56,462 44 
 
Trust Funds on Deposit_ __ _ 
 
Cashier's Checks _________ _ 
 
148 50 
 
Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _______ _ 
 
34,500 00 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Reserve for Interest and 
 
Taxes ------------------Other Liabilities: 
-------- Bopd Deposit Account_ ____ _ 16,550 00 Total --------------------$195,367 50 
 
 FIRST ANNUAL REPORT 
 
603 
 
EXAMI:NEB'S BEPOBT. 
 
FARMERS BANK, WINDER. 
 
At Close of Business' October 19, 1920. 
 
President-Guy H. Kilgore. Vice-Presidents~Jno. L. Harris, Jno. A. Thompson. 
 
Cashier-R. J. Smith. 
 
Directors-H. H. Kilgore, Jno. L. Harris, Jno. A. Thompson, Jas. Thompson, R. 
 
L. Manning, G. W. De'LaPierre, R. L. Rogers, C. W. Parker, 
 
J. L. DeLay, J. L. Saul, C. C. Gregory. 
 
Date of Charter-Feb.ruary 28, 1914. 
 
Began Business-March 31, 1914. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$378,197 50 
 
Demand Loans ____________ 6,640 79 
 
Loans Secured by Real Estate 8,477 90 United States Bonds ________ 21,896 00 Other Stocks and Bonds_~-- 53,750 00 
 
Banking House ------------ _________ 
 
Furniture and Fixtures______ 6,630 80 
 
Other Real Estate Owned____ Due from Banks in this State 
 
-2-3~o]5-io 
 
Due from Banks in other 
 
States ------------------- 2,631 27 Currency ------------------ 2,891 00 
 
Gold ---------------------- 
 
582 50 
 
Silver, Nickels, Pennies_____ 1,262 32 
 
Advances on Cotton________ 14.114 45 
 
Advances on other Commodities --------Checks for Clearing House __ 2,754 41 
 
Other Checks and Cash Items 2,175 81 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- _________ Overdrafts (if any)________ 3,276 41 
 
Other Assets: 
 
Cash Short ---------------- 
 
22 OG 
 
Capital Stock Paid In_______ $ 50,000 00 Amt. Reserved for Branches --------- 
Surplus Fund -------------- 8,000 00 Undivided Profits ---------- 7,223 86 Dividends Unpaid __________ --------Due to Banks in this State__ --------Due to Banks in other States --------- 
Call Money ---------------- --------Individual Deposits Subject 
to Check ---------------- 1 68,~3 56 Demand Certificates of Deposit --------Time Certificates of Deposit 85,585 75 Savings Deposits ---------- --------Trust Funds on Deposit____ --------Cashier's Checks ---------- 1,326 79 
Certified Checks ------------ --------Bills Payable ______________ 78,500 00 
Notes and Bills Rediscounted 121,571 61 Certificatefl of Deposit for 
Borrowed Money ________ --------Liability on Letters of Credit 
and Acceptances __________ --------Reserve for Interest and 
Taxes ----------<---------- 6,000 00 Other Liabilities: Sundry Credits ------------ 1,616 75 
 
Total --------------------$528,428 32 Total --------------------$528,428 32 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$322,777 00 Capital Stock Paid In _______ $ 50,000 00 
 
Demand Loans ------------ --------- Amt. Reserved for Branches Loans Secured by Real Estate 11,296 91 Surplus Fund -------------United States Bonds________ 21,050 00 Undivided Profits _________ _ Other Stocks and Bonds____ 52,000 00 Dividends Unpaid ____,_____ _ 
 
8,000 00 6,406 88 
 
Banking House ------------ --------- Due to Banks in this State __ Furniture and Fixtures______ 8,717 18 Due to Banks in other States 
 
Other Real Estate Owned____ _________ Call Money ---------------- 
 
Due from Banks in this State 27,037 55 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 134,614 11 
 
States ------------------Currency -----------------Gold ----------------------Silver, Nickels, Pennies_____ Advances on Cotton________ Advances on othe,rCommodities Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
 
3,612 68 7,135 00 
58'2 50 1,241 70 14,224 45 
_________ 1,337 24 
736 23 
 
Demand Certificates of Deposit Time Certificates of Deposit 70,996 16 Savings Deposits _________ _ Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ 1,844 23 Certified Checks -----------Bills Payable _____________ _ 76,000 00 Notes and Bills Rediscounted 120,600 68 Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money -------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any)-------- 
 
117 62 and Acceptances _________ _ 
 
Other Assets: 
 
Reserve for Interest and 
 
War Savings Stamps ______ 
 
846 00 Taxes ------------------- 6,000 00 
 
Stock Federal Reserve Bank_ 1,750 00 Other Liabilities __________ _ 
 
Total --------------------$4'74,462 06 Total --------------------$474,462 06 
 
 604 
 
BANKING DEPARTMENT 
 
EXAMI:NEB'S BEPOB'.r. 
 
NORTH GEORGIA TRUST & BANKING COMPANY, WINDER. 
 
At Close of Business December 18, 1920. 
 
- President-A. A. Camp. V:ice-President-W. L. Jackson. Cashier-W. F. Hubbard. 
 
Directors-J. T. Strange, M. J. Griffith, W. L. des PeJ'riere, A. Y. Evanson, H. L. 
 
Flannigan, T. C. FJannigan, A. J. Hardigree, S. P. Higgins, N. W. 
 
Hol'senbeck. W. R. Maynard, G. A. Johns, Clauae Mayme, 
 
J. N. Millsap, C. 0. Niblick, W. T. Robinson, L. 
 
'F. Sell; W. H. Toole, R. L. Woodruff. 
 
Date of Charter-April 22, 1915. 
 
Began Business-April 22, 1915. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$839,434 9e Capital Stock Paid In _______ $200,000 00 
 
Demand Loans ____________ 18,323 19 Amt. Reserved for Branches --------- 
 
Loans Secured by Real Estate _________ Surolus Fund -------------- 24,000 oo 
 
United States Bonds ________ 243,238 7~ Undivided Profits ---------- 6,200 88 
 
Other Stocks and Bonds____ 8,350 00 Dividends Unpaid ---------- 
 
402 on 
 
Banking House ------------ 20,827 20 Due to Banks in this State__ 1,124 43 
 
Furniture and Fixtures______ 21,362 52 Individual Deposits Subject 
 
Due from Approved Reserve 
 
to Check ----------------- 244,353 11 
 
Agents ------------------ 60,856 oc Demand Certificates of De- 
 
Due' from Banks in other 
 
posit -------------------- 18,423 37 
 
States ------------------- _________ Time Certificates of Deposit 58,831 "" Currency ---~-------------- 6,350 00 Savings DPposits ---------- 25,051 63 
 
Gold ---------------------- 1,047 o0 Trust Funds on Deposit_ ___ --------Silver, Nickels. Pennies_____ 3,797 30 Cashier's Checks ---------- 2,281 09 
 
Advances on Cotton________ 56,408 80 Certified Checks ------------ 
 
116 2fi 
 
Check" for Clearing- House__ 4,700 41 Bills Payable -------------- 366.000 00 
 
Other Checks and Cash Items 7,276 30 Notes and Bills Rediscounted 342,391 48 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money -------- --------- 
 
ances -------------------- 19,091 J 7 Liability on Letters of Credit 
 
Overdrafts (if any)________ 2,582 2' and Acceptances --------- 19,091 17 
 
Other Assets -------------- 12,195 47 Reserve for Interest and 
 
County Warrants ------------ 18,436 OJ Taxes ------------------- --------- 
 
Other Liabilities ----------- --------- 
 
Total ------------------$1,344!177 9'"1 Total ------------------$1,344,177 91 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$834,187 20 
 
Demand Loans ____________ 21,644 71 
 
Loans Secured by Real Estate 18,fi11 8? United States Bond>< ________ 244,900 00 
 
Other Stocks and Bonds____ 1,500 00 Banking House ____________ 20.827 ?,e 
 
Furniture and Fixtures______ 21.362 P 
 
Due from Banks in this State 37,212 6!\ 
 
Due from Banks in other 
 
States ------------------- 7,702 98 Currency ------------------ 12.719 00 
 
Gold ----------------------- 1,067 50 Silver, Nickels. Pennies_____ 3,880 20 
 
Advances on Cotton________ 51,862 17 
 
Advances on otherCommoilities _________ 
 
Checks for Clearing Honse__ 
 
586 9!\ 
 
Other CheckR and Cash It'lms 4,070 27 
 
Customers' Liahilitv on Letters of C'redit and Accept- 
 
ances -------------------- .19,091 17 
 
Overdrafts (if' any)-------- 2, 713 61 
 
Other Assets: Bills of Exchang-e __________ 1 0,54~ 00 
 
War Savings Stamos 
 
S66 47 
 
War Savings Certificates____ 
 
826 00 
 
Stock Federal Reserve Bank 6,750 00 
 
Capital Stock Paid In_______ $200,000 00 Amt. Reserv<:>d for Branches --------- 
 
Surnlus Fund -------------- 24.000 on TTndivided Profits __________ 4,563 93 
 
Dividends Unpaid ---------- 
 
402 00 
 
Due to Banks in this State__ 1,124 43 
 
Due to Banks In other States ________ _ 
 
Indiviilual Deposits Subject 
 
to Check ---------------- 236,981 44 
 
Demann Certificates of Deposit --------'Time Certificates of Deposit 79.693 R7 
 
Savings Df>oosits __________ 25,155 30 'J'rust Funns on Deposit____ ________ _ 
 
Cashier's Checks __________ _ 1,027 09 
 
Certified Checks ___________ _ 
 
11 R ?,o 
 
Bills PayahlP _____________ _ NoteR and Bills RP.<'IiR<''lUnted 
 
366.000 365,808 
 
on n 
 
Certificates of Deposit for 
 
Borrowed Money ________________ _ 
 
Liabilitv on Letters of Credit 
 
and Acceptances --------- 19,091 17 
 
Reserve for Interest and TaxeR ___________________ --------- 
 
Other Liabilities: 
 
Payment Under U. S. Cos- 
 
toms L. L. Bond_________ _ 1,861 22 
 
Total ------------------$1,325,825 43 Total ------------------$1,325,825 4~ 
 
 FIRST ANNUAL REPORT 
 
605 
 
EXAMilii':!:B'S BEPOB'.r. 
 
THE PITTARD BANKING COMPANY, WINTERVILLE. 
 
At Close of Business November 13, 1920. 
 
President-J. T. Pittard. Vice-President-D. H. Winter. Cashier-H. F. Pittard. 
 
Directors-J. T. Pittard, D. H. Winter, F. I,. Johnson, F. ,H. Koonen, J. H. Meyer, 
 
Mrs. W. H. Dean. 
 
Date of Charter-January 9, 1911. 
 
Began Business-January 16, 1911. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$118,639 57 
 
Demand Loans ------------ --------Loans Secured by Real Estate --------United States Bonds________ 11,500 00 Other Stocks and Bonds____ 1,100 00 
 
Banking House ------------ --------Furniture and Fixtures______ 2,262 01 
 
Other Real Estate Owned____ --------Due from Banks in this State 
 
and Due from Banks in other States ------------ 24,443 fif 
 
Currency -----------------Gold ---------------------Silver, Nickels, Pennies_____ 
 
466 00 6fi0 00 560 33 
 
Advances on Cotton_________ --------Advances on other Commodities _________ 
 
Checks for Clearing House__ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
4,301 S7 236 70 
 
ances -------------------- _________ Overdrafts (If any)________ _________ 
 
Other Assets -------------- 1,344 50 
 
Capital Stock Paid In _______$ 20,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------- 
 
11.000 00 6,178 '44 
 
Dividends Unpaid ---------- 
 
Due to Banks In this State __ Due to Banks in other States 
 
Call Money ---------------Indivinual Deposits Subjert 
to Check ---------------Demand Certificates of DPpoRit Time Certificates of Deposit Savings Deposits _________ _ Trust Funds on Deposit_ __ _ 
 
64,768 94 
]2,766 31 7,420 55 
 
Cashier's Checks ---------Certified Checks ------------ 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _______ _ 
 
950 49 
10,000 00 20,919 80 
 
Liability on Letters of Credit and Acceptances _________ _ 
 
Reserve for Interest and 
 
OtThaexr esLia-b-i-l-i-ti-e-s---_-__-_-_-_-_-_-_--_ 6,500 00 
 
Total --------------------$165,504 53 Total --------------------$165,504 53 
 
BANK'S .STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$107,329 12 
 
Demand Loans ------------ --------Loans Secured hv Real Estate 1.9fiS R? 
 
United States Bonds________ 11,500 00 
 
Other Stocks and BondsFederal Reserve Bank___ _ 
 
1.1oo oo 
 
Banking House ------------ _________ 
 
Furniture and Fixtures______ 2,271 1' 
 
Other Real Estate Owned____ ______ _. __ 
 
Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-__--_ Advances on Cotton_________ 
 
27,039 51 
126 03 2,236 00 
6fi0 00 569 66 ________ _ 
 
Advances on other Commodities ________ _ 
 
Checks for Clearing House __ 
 
966 32 
 
Other Cherks and Cash Items 1,040 41 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------- --------- 
 
Overdrafts (if any)-------- 
 
82 5"7 
 
Other Assets: 
 
War Savings Stamps------~- 
 
846 00 
 
Capital Stock Paid In _______$ 25,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 11,000 00 
 
Undivided Profits ---------- 6,188 31 
 
Dividends Unpaid ---------Due to Banks In this State__ 
 
Due to Banks In other States 
 
Individual Deposits Subject 
 
to Check ---------------- 61,438 62 Demand Certificates of De- 
 
posit -------------------Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ Cashier's Checks _________ _ Certified Checks ___________ _ Bills Payable _____________ _ 
Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _______ _ 
 
30 00 11,408 93 
27 ]1 7,23n 19 
487 62 
] 0,000 00 18,399 80 
 
Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and 
 
Taxes ------------------Other Liabilities: L. L. Bonds Borrowed_____ _ 6,500 00 
 
Total --------------------$157,715 5~ Total --------------------$157 ,7f5 58 
 
 1 
 
606 
 
BANKING DEPARTMENT 
 
EXAMINEB.'S BEPOBT. 
 
PEOPLES BANK, WOODBURY. 
 
At Close of Business September 9, 1920. 
 
P.resident-W. J. Smith. Vice-President-H. W. Clements. Cashier-A. D. Holland. 
 
Directors-W. J. Smith, H. W. Clements, R. J. Antony, W. E: Hooks, T. B. 
 
Knight, J. M. Woodroof. 
 
Date of Charter-July 7, 1907. 
 
Began Business-September, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
TDiemmeanLdoaLnsoa-n-s---_-_-_--_-_-_-_-_-_-_-_$_20_3_,_9_0_5___12_ 
 
Capital Stock Paid Amt. Reserved for 
 
In _______ $ Branches 
 
15,000 
 
00 
 
Loans Secured by Real Estate --------- Surplus Fund _____________ _ 1,000 00 
 
11nited States Bonds________ ________ _ Undivided Profits ---------- 9,721 71 
 
Other Stocks and Bonds____ fi,OOO 00 Dividends Unpaid ---------- 
 
48 00 
 
Banking House ____________ 2,499 0~ Due to Banks in this State 3,344 49 
 
Furniture and Fixtures______ 2,750 00 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
Due from Banks in this State Due from Banks in other 
 
Ys~8iT'o9 
 
Call Money ---------------IndtoiviCdhueaclk D_e_p_o__si_t_s__S__u_b_j_e_c_t 
 
71,500 00 40,983 58 
 
States ------------------Currency ------------------- 
 
----------------- 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
79,682 35 
 
GS iol vl de r , - -l \-"-i c-k-e-l-s ,- -P- e- n- -n-i e-s- - -_-_-_ _- 
 
-_ -_-_ -_ _- _- _-_- -_ 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Advances on Cotton_________ --------- Cashier's Checks ---------- 
 
425 62 
 
Advances on otheO""Commodities --------- Certified Checks -----------Checks for Clearing House__ ________ _ Bills Payable -------------- 25,000 00 
 
Other Checks and Cash Items --------- Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
ters of Credit and Accept- 
 
Borrowed Money _______ _ 
 
ances -------------------Overdrafts (if any)-------Other Assets -------------- 
 
Liability on Letters of Credit and Acceptances --------- 
120 00 Reserve for Interest and 
 
Taxes ------------------- 
 
Other Liabilities ----------- 
 
Total --------------------$246,705 75 Total --------------------$246,705 75 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Capital Stock Paid In _______ $ 15,000 00 
 
Time Loans _______________ $130.026 92 Amt. Reserved for Branches Demand Loans ____________ 19,503 30 Surplus F'und _____________ _ 1,000 00 
 
Loans Secured bv Real Estate 50,424 51 Undivided Profits ---------- 4,259 39 
 
United States Bonds________ --------- Dividends Unpaid ---------- 
 
48 00 
 
Other Stocks and Bonds____ 
 
500 00 Due to Banks in this State __ 
 
Banking House ____________ 2.499 04 Due to Banks in other States 
 
Furniture and Fixtures____ 2, 7fi0 00 Call Money ---------------- 89,000 00 
 
Due from Banks in this State 3,480 21 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 27,758 52 
 
States ------------------Currency ------------------ 
GSiolvlder-, -N--i-c-k-e-ls-.--P-e-n--n-ie-s-_-_-_-_-_- 
 
141 71 3,443 00 1.272 fiO 2,067 03 
 
Demand Certificates of Deposit -------------------- 
Time Certificates of Deposit Cashier's Checks ---------- 
 
4,000 00 50,939 00 
304 71 
 
Other Checks and Cash Items 
 
72 10 Certified Checks ------------ 
 
Customers' Liability on Let- 
 
Bills Payable -------------- 37,500 00 
 
ters of Credit and Accept- 
 
Notes and Bills Rediscounted 11,836 72 
 
ances -------------------- _________ Certificates of Deposit for Overdrafts (if any) Secured 21,735 49 Borrowed Money _______ _ 
 
Overdrafts Unsecured ______ 
 
163 26 Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances --------- 
 
F'ourth National Bank, Macon 
 
Reserve for Interest and 
 
Special Account __________ 23.000 00 Taxes ------------------- 
 
De,positors' Guarantee F'und ~,~~5 75 Other Liabilities: 
 
Fire Insurance F'und________ 
 
120 00 Suspense Account Fourth 
 
Cash Short ---------------- 
 
61 52 National ---------------- 23,000 00 
 
Total ____________________ $264,646 34 Total --------------------$264,646 34 
 
 FIRST ANNUAL REPORT 
 
607 
 
EXAMINER'S BEPOBT. 
 
WOODBURY BANKING COMPANY, WOODBURY. 
 
President-J. D. Sutton. Vice-President-J. \V. Williams. Cashier-S. P. wilburn. Directors-J. D. Sutton, J. W. Williams, S. P. Williams, Bion Williams, H. B. 
Jones, J. E. GrimseY, L. 0. Benton. 
 
Date of Charter-October, 1902. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$172,419 47 Capital Stock Paid In _______ $ 23.400 00 
 
Demand Loans ------------ 4,145 70 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds________ 
 
--6~640-oo~ 
 
Surplus Fund ------------Undivided Profits ---------- 
 
10,000 00 7,745 33 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
Banking House ------------ --------- Due to Banks in this State __ Furniture and Fixtures______ 3,686 73 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State 
 
--6,621-1~2 
 
Call Money ---------------Individual Deposits Subject 
 
20,186 67 
 
Due from Banks in other 
 
to Check ---------------- 129,836 89 
 
States ------------------Currency -----------------Gold --------------------~Silver, Nickels, Pennies_____ Advances on Cotton________ 
 
4,952 92 
2,935 00 12 50 
454 26 20,251 77 
 
Demand Certificates of Deposit -------------------- 
Time Certificates of Deposit Savings Deposits ---------Cashier's Checks ---------- 
 
2,000 00 21,802 74 
4,684 31 
 
Advances on othocCommodities --------- Certified Checks ------------ 
 
Checks for Clearing House__ 
 
57 67 Bills Payable -------------- 
 
Other Checks and Cash Items 16,859 42 Notes and Bills Rediscounted 
 
Customers' Liability on Let- 
 
Certificates of Deposit for 
 
20,000 00 
 
ters of Credit and Accept- 
 
Borrowed Money -------- 
 
ances -------------------- --------- Liability on Letters of Credit 
 
Overdrafts (if any)-------- 
 
577 24 and Acceptances --------- 
 
Other Assets: 
 
Reserve for Interest and 
 
Cash Short ---------------- 
 
37 14 Taxes ------------------Other Liabilities ----------- 
 
Total --------------------$239,655 94 Total --------------------$239,655 94 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------.$158,785 55 Capital Stock Paid In _______ $ 23,400 00 
 
Demand Loans -----------Loans Secured by Real Estate 
 
7,630 07 --------- 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
-~-o:ooo-oo 
 
United States Bonds________ --------- Undivided Profits --------- 6,676 48 
 
Other Stocks and Bonds ____ -----"---- Dividends Unpaid ---------- 
 
Banking House ------------ --------- Due to Banks in this State 5,186 67 Furniture and Fixtures______ 3,686 73 Due to Banks in other States 
 
Other Real Estate. Owned____ --------- Call Money ---------------Due from Banks in this State 11,926 07 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------SGiolvlder, --N-i-c-k-e-l-s,--P--e-n-n-i-e-s-_-_-__--_ Advances on .Cotton _______ _ Advances on other Commodi- 
 
1,940 73 1,026 00 
20 00 564 67 14,754 22 
 
to Check ---------------Demand Ce.rtificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
Cashier's Checks ---------Certified Checks ------------ 
 
69,887 97 18,4 71 72 
39 33 
 
ties --------------------- --------- Bills Payable -------------- 70,000 00 
 
Checks for Clearing House __ 
 
305 65 Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
O vaenrcdersa f-t-s - - -( i-f- - -a-n-y-)- - -U- -n-s-e-- 
 
and Acceptances --------Reserve for Interest and 
 
O vc eurrde dr a f-t-s- -S-e-c-u-r-e-d- - ---------------Profit and Loss ------------ 
 
327 72 Taxes ------------------2,659 98 Other Liabilities: 
534 78 Liberty Bonds for Sale _____ _ 
 
500 00 
 
Total --------------------$204,162 11 Total --------------------$204.162 17 
 
 608 
 
BANKING DEPARTMENT 
 
E:XAliiiNEB'S BEPOBT. 
 
FARMERS BANK, WOODCLIFF. 
 
At Close of Business September 9, 1920. 
 
President-L. 0. Benton. Vice-Presidents-H. H. Parker, W. H. Cohen. 
 
Cashier-T. G. Harris. Directors-L. 0. Benton, H. H. Parker, W. H. Cohen, W. A. Edenfield, M. Parker, 
Green Waters, T. G. Harris. 
 
Date of Charter-August 26, 1912. 
 
Began Business-September 9, 1912. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 95,128 67 
Demand Loans ------------ 10,870 00 
 
Loans Secured by Real Estate United States Bonds________ 
 
Other Stocks and Bonds___ _ 
 
700 00 
 
Banking House ------------ 1,150 00 
 
Furniture and Fixtures___ _ 
 
850 00 
 
Other Real Estate Owned___ _ 
 
Due from Banks in this State 5,847 22 
 
Due from Banks in other 
 
States ------------------- 5,633 95 
 
Currency -----------------GSiolvlder, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-_-__-_--_ Advances on Cotton_________ 
 
845 00 
55 00 448 13 
 
Advances on other Commodi- 
 
Chteiecsks -f-o-r--C-l-e-a-r-in--g--H-o--u-se--__- 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
374 67 
 
O vaenrcdersa f-t-s- -(-i-f- -a-n- -y-)---------------Other Assets: CLoonugntyanW d aSrhraonrttsAc-c-o-u--n-t_--__--_ 
 
4 47 
3,369 30 228 35 
 
Capital Stock Paid In_______$ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 5,000 00 
 
Undivided Profits ---------- 
 
396 32 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 36,915 56 Demand Certificates of Deposit 
 
Time Certificates of Deposit 38,171 67 
 
Savings Deposits ---------Trust Funds on Deposit___ _ 
 
Cashier's Checks ---------- 
 
21 21 
 
Certified Checks -----------Bills Payable -------------- 20,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money -------Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and 
 
Taxes ------------------Other Liabilities ----------- 
 
Total --------------------$125,504 76 Total --------------------$125,50-~ 76 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 65,981 41 
 
Demand Loans ------------ 2,386 24 
 
Loans Secured by Real Estate 19,100 00 
 
United States Bond"l-------Other Stocks and Bonds____ 
 
700 00 
 
Banking House ------------ 
 
850 00 
 
Furniture and Fixtures______ 1,150 00 
 
Other Real Estate Owned ___ _ 
 
Due from Banks In this State --6~3iTi5 
 
Due from Banks in other 
 
States ------------------Currency -----------------SGiol vl de r ,- - N- -i-c-k-e-l s-,- -P- -e-n-n-i -e-s -_ _-_-_- -_ Advances on Cotton_________ 
 
72 52 
259 00 195 00 
228 54 
 
Advances on other Commodi- 
 
ties --------------------Checks for Clearing House __ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
150 10 
 
O vaenrcdersa f-t-s- -(-I-f- -a-n-y- )- -_-_ -_ _- _- _-_- -_ 
Other Assets: Profit and LosS------------ 
 
26 16 1,181 83 
 
Capital Stock Paid In_______$ 25,000 00 
 
Amt. Reserved for Branches 
 
Surplus Fund -------------- 5,000 00 Undivided Profits ---------- 
 
Dividends Unpaid ---------Due to Banks in this State__ 
 
Due to Banks In other States 
 
Call Money ---------------Individual Deposits Subject 
 
to Check ---------------- 20,897 27 Demand Certificates of Deposit Time Certificates of Deposit 26,735 12 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ----------- 
 
151 98 
 
Certified Checks -----------Bills Payable -------------- 20,1H4 58 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money -------Liability on Letters of Credit 
 
and 'Acceptances --------Reserve for Interest and 
 
Taxes ------------------Other Liabilities ----------- 
 
Total ---------~----------$ 98,598 95 Total --------------------$ 98,598 95 
 
I -- 
 
 FIRST ANNUAL REPORT 
 
609 
 
EXAMil'I"EB'S BEPOBT. 
 
WOODLAND BANK, WOODLAND. 
 
At Close of Business October 6, 1920. 
 
President-S. F. Woodall. Vice-P.residents-W. W. Collier', H. T. Woodall. 
 
Director&-S. 
 
F. 
 
Woodan, 
 
M. 
 
Cashier-M. H. H. King, B. C. 
 
King. .Smith, 
 
W. 
 
w. 
 
Collier, 
 
C. 
 
V. 
 
Mills, 
 
J. C. Pye, H. T.. Woodall, J. E. Peeler. 
 
Date of Charter-November 18, 1907. 
 
Began Business-November 25, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 66,359 17 
 
Demand Loans ------------ 2,266 00 
 
Loans Secured by Real Estate United States Bonds________ 
 
---------1 7,650 00 
 
Other Stocks and Bonds ---- 
 
BF ua nr nkiitnugr eHaonuds e F -i x-t-u-r-e-s- - _-_-_- _- 
 
2,669 97 1,500 00 
 
Other Real Estate Owned___ _ Due from Banks in this State -1-3~875-98 
 
Capital Stock Paid In_______$ 15,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--7~000-00 
 
Undivided Profits ---------- 5,068 06 
 
Dividends Unpaid ---------- 
 
Due to Banks in this State__ 
 
Due to Banks in other States 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 
 
States ------------------Currency ------------------ 
 
1,084 2 4 Demand Certificates of Deposit 2,646 00 Time Certificates of Deposit 
 
SGiol vl de r , - -N-i-c-k-e-l-s ,- -P- e--n-n-i-e-s -_-_ _-_- -_ 
 
198 50 Savings Deposits ---------1,400 75 Trust Funds on Deposit_ __ _ 
 
Advances on Cotton _______ _ 1,170 13 Cashier's Checks ---------- 
 
_ ___ __ _ Advances on other Commodi_: 
 
.., 
 
Certified Checks ------------ 
 
Chteiecks s -f-o-r--C-l-e-a-r-in--g--H-o-u--se-_-_- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
46,151 66 23,138 93 
73 81 6,000 00 
 
Other Checks and Cash Items 
 
77 65 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money -------Liability on Letters of Credit 
 
O vaenrcdersa f-t-s- -(-i-f- -a-n- -y-)---------------Other Assets: 
County Warrants ---------Cash Short ---------------- 
 
1,52130 
 
96 11 
 
and Acceptances --------Reserve for Interest and 
Taxes ------------------Other Llab!l!ties ---------- 
 
Total --------------------$100,432 46 Total --------------------$100,432 4~ 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 53,310 91 Demand Loans ------------ 5,366 00 Loans Secured by Real Estate 10,019 00 United States Bonds _______ _ 7,650 00 Other Stocks and Bonds ____ 
 
BF ua rnnkiitnugr eHaonuds eF i x- -t u- -r e- -s -_ _- _-_-_- -_ 
 
2,669 97 1,500 00 
 
Other Real Estate Owned___ _ 
 
Due from Banks In this State 4,476 35 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiollvder-, --N-i-c-k-e-ls-,--P--e-n-n-i-e-s-__-_-_--_ Advances on Cotton________ Advances on other Commodi- 
 
927 63 
 
1,411 00 
 
198 50 
 
1,533334 
 
73 53 
 
Chteiecks s -f-o-r--C-l-e-a-r-in--g--H-o-u--se-_-_- 
Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
690 82 
 
O vaenrcdersa f-t-s- -(-I-f- -a-n- -y-)-------------- -Other Assets -------------- 
 
30 00 
 
Capital Stock Paid In _______ $ 15,000 00 
 
Amt. Reserved for Branches Surplus Fund -------------- 
 
--7~000-00 
 
Undivided Profits ---------- 5,049 04 
 
Dividends Unpaid ---------- 
 
Due to Banks In this State__ 
 
Due to Banks in 'other States 
 
Call Money ---------------- 
 
Individual Deposits Subject 
 
to Check ---------------- 39,280 08 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-2-3~493-67 
 
Savings Deposits ---------Trust Funds on Deposit____ 
 
Cashier's Checks ---------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
 
Borrowed Money -------Liability on Letters of Credit 
 
and Acceptances --------Reserve for Interest and 
 
Taxes ------------------Other Liabilities ----------- 
 
Total --------------------$ 90,118 44 Total. --------------------$ 90,118 41 
 
 610 
 
BAN"KING DEPARTl\IENT 
 
EXAMINER'S REPORT. 
 
BANK OF WOODSTOCK, WOODSTOCK. 
 
At Close of Business July 21, 1920. 
 
President-J. H. Johnston. Vice-President-D. L. Johnston. Cashier-W. L. Du Free. 
 
Directors-J. H. Johnston, S. L. Johnston, Willey P. Dobbs, L. A. Dean, C. E. 
 
Chandler, W. L. Du Free. 
 
Date of Charter-November 13, 1905. 
 
Began Business-November 15, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 97,087 84 
Demand Loans ------------- 2,746 00 Loans Secured by Real Estate 14,67 4 22 United States Bonds -------- 5,600 00 Other Stocks and Bonds ___ _ 1,500 00 Banking House ------------ 3,168 83 Furniture and Fixtures ___ _ 1,990 61 
 
Capital Stock Paid In _______ $ 25,000 00 
Amt. Reserved for Branches --------Surplus Fund -------------- 14,079 32 Undivided Profits ---------- 2,894 04 Dividends Unpaid ---------- --------Due to Banks in this State ---------Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 11,877 18 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 74,398 70 
 
States ------------------- 1,895 82 Demand Certificates of Deposit --------Currency ------------------ 3,386 00 Time Certificates of Deposit 23,873 83 
 
Gold ---------------------- 1,932 50 Savings Deposits ---------- --------- 
 
Silver, Nickels, Pennies ------ 1,909 86 Cashier's Checks ------------ 
 
450 00 
 
Advances on Cotton -------- --------- Certified Checks ---------- ---------- 
 
Advances on other Commodi- 
 
Bills Payable -------------- --------- 
 
ties --------------------- --------Checks for Clearing House ---------- 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
--------- 
 
Other Checks and Cash Items --------- Borrowed Money -------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- --------- 
 
o:~rcj;aft"S-(if-S,lly-)--_-_-_-:_-_-__ --1~973-23 
 
Reserve Taxes 
 
for Interest and ------------------- 
 
--------- 
 
Other Assets --------------- 
 
90 00 Other Liabilities ----------- --------- 
 
Total --------------------$140,695 89 Total --------------------$14~695 89 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ -------- Capital Stock Paid In_______$ 25,000 00 
 
Demand Loans ------------- 94,727 87 Amt. Reserved for Branches ------ 
Loans Secured by Real Estate --------- Surplus Fund -------------- -14,079 :ili 
United States Bonds -------- 5,600 00 Undivided Profits ---------- 2,912 45 Other Stocks and Bonds ____ 1,500 00 Dividends Unpaid ---------- --------- 
 
Banking House ------------ 3,168 83 Due to Banks in this State__ 20,000 00 Furniture and Fixtures ____ 1,990 61 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------Due from Banks in this State 9,249 13 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
to Check ---------------- 38,164 53 149 19 Demand Certificates of Deposit ------- _ 1,865 00 Time Certificates of Deposit_ 20,568 38 
 
Gold ---------------------- 2,000 00 Savings Deposits ---------- --------- 
 
Silver, Nickels, Pennies ____ 2,660 00 Trust Funds on Deposit____ --------- 
 
Advanees on Cotton -------- --------- Cashier's Checks ----------- 
 
22 00 
 
Advances on other Commodi- 
 
Certified Checks ---------- ---------- 
 
ties --------------------- --------- Bills Payable -------------- 10,000 00 Checks for Clearing House __ 4,680 04 Notes and Bills Rediscounted --------- 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money -------- --------Liability on Letters of Credit 
 
ances ------------------- ---------- and Acceptances --------- --------Overdrafts (if any) -------- 2,979 17 Reserve for Interest and 
 
Other Assets: Safety Boxes ------------ 
Profit and Loss ------------ 
 
Taxes ------------------- --------90 00 Other Liabilitie~ ----------- --------66 84 
 
Total --------------------$130,746 68 Total --------------------$130,746 68 
 
i 
 
 FIRST ANNUAL REPORT 
 
611 
 
EXAMINEB.'S BEPOBT. 
 
WOOLSEY BANK, WOOLSEY. 
 
At Close of Business September 21, 1920. 
 
President-R. P. Minter.. Vice-President-C. E. Fortson. Cashier-W. L. Burch. 
 
Directors-R. P. Minter, W. L. Burch, C. E. Fortson, F. B. Crawley, J. T. Burch, 
 
L. C. McLean. 
 
Date of Charter-August 21, 1907. 
 
Began Business-October 7, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ '90,298 87 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------ 13,749 89 Amt. Reserved for Branches 
 
Loans Secured by Real Estate --------- Surplus Fund -------------- 
 
United States Bonds -------- 4,600 00 Undivided Profits ---------- 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
FBuarnnkiitnugr e Haonuds eF i x- -t u- -r e- s- _- _-_-_-_- -_ 
 
1,406 82 Due to Banks in this State__ --------1,798 00 Due to Banks in other States --------- 
 
Other Real Estate Owned____ --------- Call Money ---------------- --------- 
 
Due from Banks in this State 2,828 69 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 25,410 00 
 
States ------------------Currency ------------------ 
 
259 48 Demand Certificates of Deposit ---------1,696 00 Time Certificates of Deposit__ 28,595 80 
 
GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ 
 
90 00 Savings Deposits ---------- --------- 
 
165 42 Cashier's Checks ------------ 
 
310 46 
 
Advances on Cotton -------- --------- Certified Checks ---------- ---------- 
 
Advances on other Commodi- 
 
Bills Payable -------------- 35,000 00 
 
ties --------------------- --------Checks for Clearing House ---------- 
 
Notes and Bills Rediscounted Certificates of Deposit for 
 
--------- 
 
Other Checks and Cash Items 
 
217 24 Borrowed Money -------- --------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- --------- 
 
O vaenrcdersa f-t-s- -(-i f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
- - - -5 -4 3- - -07- 
 
Reserve Taxes 
 
for Interest and ------------------- 
 
115 26 
 
Other Assets ------------- ---------- Other Liabilities ----------- --------- 
 
Total' --------------------$117,653 H Total --------------------$117,653 48 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIF:S 
 
Time Loans ----------------$ 71,499 26 Capital Stock Paid In _______ $ 15,000 00 
 
--3.ooo-oo Demand Loans ------------ 25,729 19 Amt. Reserved for Branches 
 
LUonaitnesd SSectautreesd bByonRdesa_l_E__s_t_a_te_ Other Stocks and Bonds ___ _ Banking House ------------ 
 
--------4,150 00 
--1~4o6-82 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ 
 
10,165 69 40 00 
 
Furniture and Fixtures ____ 1, 798 00 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------SGloivlder, -N--i-c-k-e-ls-,--P-e-n-n--ie-s---_-__--_ 
 
--------1,921 05 
9 48 1,135 00 
90 00 277 79 
 
Call Money ---------------Individual Deposits Subject 
Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
24,429 29 -20~714-38 
 
Advances on Cotton -------Advances on other Commodi- 
 
1,976 11 Cashier's Checks ---------Certified Checks ---------~- 
 
3 10 
 
Chteiecks s -fo--r -C--le-a-r-i-n-g--H-o--u-s-e-_-_- 
 
--------358 95 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
37,500 00 
 
Other Checks and Cash Items 
 
348 27 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money _______ _ 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaf-t-s--(-if--a-n-y--) ----------------- 
 
- - - -1-5-2 - -5-4 
 
and Acceptances ---------Other Liabilities ----------- 
 
Other Assets ------------- ---------- 
 
Total -----------~--------$110,852 46 Total --------------------$110,852 46 
 
 612 
 
BANKING DEPARTMENT 
 
EXAllllil'I"EB'S BEPOBT. 
 
THE CITIZENS BANK, WRENS. 
 
At Close of Business November 10, 1920. 
 
President-Joe R. Howard. Vice-President-James King. Cashier-Fred J. Howard. 
 
Directors-James King, A. J. Howard, J. T. Newsome, G. S. Farmer, W. L. Rad- 
 
ford, L. A. Ganus, J. R. Howard. 
 
Date of Charter-October 1, 1907. 
 
Began Business-October 1, 1907. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$182,885 52 
 
Demand Loans ------------ 7,825 46 
 
Loans Secured by Real Estate 36,899 75 
 
United States Bonds -------- 10,000 00 
 
Other Stocks and Bonds ---- 
 
300 00 
 
Banking House ------------ 2,229 75 Furniture and Fixtures ____ 2,898 88 
 
Other Real Estate Owned____ 8,000 00 
 
Due from Banks in this State 5,454 32 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
1,877 37 2,433 00 
182 50 
297 00 
 
Advances on Cotton -------- --------Advances on other Commodi- 
 
Chteiecks s -fo--r-C--le-a-r-i-n-g--H--o-u-s-e--__- 
 
--------1,618 92 
 
Other Checks and Cash Items 1,037 65 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
Ovaenrcdersaf-t-s--(-if--a-n-y-)------------------ -----18---84- 
 
Other Assets: 
 
Cash Short ---------------- 
 
5 45 
 
Capital Stock Paid In_______$ 15,000 00 
 
Amt. Reserved for Branches --------- 
 
Surplus Fund -------------- --------Undivided Profits ----------- 25,245 20 
 
Dividends Unpaid ---------- 
 
16 00 
 
Due to Banks in this State__ --------- 
 
Due to Banks in other States --------- 
 
Call Money --------------- ---------Individual Deposits Subject 
 
to Check ---------------- 66,665 23 Demand Certificates of Deposit --------Time Certificates of Deposit__ 94,212 62 
 
Savings Deposits ---------- --------Trust Funds on Deposit____ --------- 
 
Cashier's Checks ----------- 
 
692 03 
 
Certified Checks ------------ ________ _ 
 
Bills Payable -------------- 58,000 00 
 
Notes and Bills Rediscounted --------Certificates of Deposit for 
Borrowed Money ________ --------- 
 
Liability on Letters of Credit 
 
and Acceptances --------- --------Reserve for Interest and 
 
Taxes ------------------- ________ _ 
 
Other Liabilities ----------- 4,133 33 
 
Total --------------------$263,964 41 Total --------------------$263,964 J 
 
BANK'S STATEMENT at Close of Business December 15, "1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$205,524 1!i Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ___ _ 
Banking House -----------Furniture and Fixtures ___ _ Other Real Estate Owned __ Due from Banks in this State 
 
7,488 06 
-1-0~000 -00 
300 00 2,229 75 2,898 88 8,000 00 2,518 69 
 
Amt. Reserved for Branches --------Surplus Fund -------------- --------Undivided Profits ----------- 24,203 59 
Dividends Unpaid ---------- --------Due to Banks in this State__ --------Due to Banks in other States --------Call Money --------------- ---------Individual Deposits Subject 
 
Due from Banks in other States -------~---------- 
Currency -----------------GSiolvlder, --N-i-c-k-e-l-s,--P-e-n--n-ie-s---_-__--_ 
 
to Check ---------------- 61,937 66 101 75 Demand Certificates of Deposit --------2,863 00 Time Certificates of Deposit__ 84,309 94 182 50 Savings Deposits ---------- --------617 02 Trust Funds on Dep()sit____ --------- 
 
Advances on Cotton -------Advances on other CommodiChteiecsks -f-o-r--C-l-e-a-r-i-n-g--H-o-u--se--_-_ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
--------- 
--------370 73 
--------- 
 
Cashier's Checks ----------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money -------Liability on Letters of Credit 
 
1,272 18 --------55,500 00 
1,000 00 
--------- 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
- - - - 1- 8- - -8 -4 
 
and Acceptances ---------Reserve for Interest and 
 
--------- 
 
Other Assets: 
 
Taxes ------------------- ------->-- 
 
Collections ----------------- 
 
llll 10 Other Liabilities ----------- --------- 
 
Total --------------------$243,223 37 Total --------------------$243,223 37 
 
 F:i:RST ANNUAL REPORT 
 
613 
 
EXAMilii'EB.'S B.EPOB.T. 
 
WRENS BANK, WRENS. 
 
At Close of Business November 11, 1920. 
 
President-Alex Avera. Vice-President-J. M. Adams. Cashier-R. L. Patrick. 
 
Directors-Alex Avera, H. B. Young, R. S. McCleskey, J. M. Adams, J. H. Parish. 
 
Date of Charter-March 20, 1916. 
 
Began Business-March 28, 1916. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$119,456 72 Demand Loans -------------- 4,160 60 Loans Secured by Real Estate 5,699 82 United States Bonds________ --------Other Stocks and Bonds ____ 3,750 00 
 
Banking House -----------Furniture and Fixtures______ Other Real Estate Owned____ Due from Banks in this State Due from Banks in other 
States ------------------Currency ------------------ 
GSiollvder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---__-_--_ Advances on other Commodi- 
 
2,000 00 2,165 00 2,400 00 3,920 34 
1,389 99 1,975 00 
115 00 991 99 
 
Chteiecks s -fo--r-C--le--a-ri-n-g--H--o-u-s-e--_-_ 
 
--------1,726 29 
 
Other Checks and Cash Items 1,052 18 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------Overdrafts (if any) -------Other Assets: Depositors' Guarantee Fund_ Mutual Fire Insurance Fund \Yar Savings Stamps ------ 
 
- - - -3 0- 4- - -09- 
3,464 50 120 00 495 78 
 
Capital Stock Paid In__________$ 15,000 00 
 
Amt. Reserved for Branches --------- 
 
Surplus Fund -------------- 4,000 00 
 
Undivided Profits ---------- 6,012 76 
 
Dividends Unpaid --------'-- 
 
192 00 
 
Due to Banks in this State__ --------- 
 
Due to Banks in other States --------- 
 
Call Money ---------------- 15,000 00 
 
Individual Deposits Subject 
 
to Check ---------------- 51,599 53 Demand Certificates of Deposit --------Time Certificates of Deposit 55,010 61 
 
Savings Deposits ---------- --------- 
 
Trust Funds on Deposit____ --------- 
 
Cashier's Checks ----------- 
 
363 34 
 
Certified Checks ------------ --------Bills Payable -------------- 8,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for 
 
Borrowed Money -------- --------Liability on Letters of Credit 
 
and Acceptances ---------- --------Reserve for Interest and 
 
OtThaexr esLia-b-i-l-it-i-e-s-: ----------- --------- 
 
Cash Long ----------------- 
 
9 06 
 
Total --------------------$155,187 30 Total --------------------$155,187 30 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABI'LITIES 
 
Time Loans ----------------$125,008 03 Capital Stock Paid In _______ $ 15,000 00 
 
Demand Loans ------------ 2,625 60 Amt. Reserved for Branches 
 
Loans secured by Real Estate United States Bonds________ 
 
----------------- 
 
USunrdpilvuids eFd uPnrdof-i-ts--_-_-.-:, _-_-_-_-_-_--_ 
 
4,000 00 6,491 12 
 
Other Stocks and Bonds ____ 3,750 00 Dividends Unpaid ---------- 
 
192 00 
 
Banking House ------------ 2,000 00 Due to Banks in this State__ 
 
Furniture and Fixtures ---Other Real Estate Owned __ 
 
2,165 00 2,400 00 
 
DCaulel tMo oBnaenyks__i_n__o_t_h_e_r__S_t,a_ _t_e_s 
 
15,000 00 
 
Due from Banks in this State 5,562 61 Individual Deposits Subject 
 
Due from Banks in other 
States ------------------Currency -----------------GS iol vl de r , - -N-i-c-k-e-l-s ,- -P-e- n- -n-i e- s- - -_ -_,-__- 
 
4,470 01 
3,135 00 10 00 
790 80 
 
Detmo aCnhdeCckert-i-f-ic-a-t-e-s-o-f--D-e-p-o--si-t Time Certificates of Deposit__ Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
43,737 51 48,750 41 
 
Advances on Cotton -------- --------- Cashier's Checks ----------- 
 
214 59 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties ----'----------------Checks for Clearing House __ 
 
--------164 79 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
23,000 00 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaf-t-s--(-if--a-n-y--) ----------------- 
 
and Acceptances ---------223 51 Reserve for Interest and 
 
Other Assets: 
 
Taxes ------------------- 
 
Depositors' Guarantee Fund_ 3,584 50 Other Liabilities ----------- 
 
- - - - - War Savil)gs Stamps ------ 
 
495 78 
 
Total --------------------$156,385 63 Total --------------------$156,385 63 
 
 614 
 
BANKING DE:PARTMENT 
 
EXAMINEE'S B.EPOB'r. 
 
BANK OF WRIGHTSVILLE, WRIGHTSVILLE. 
 
.At Close of Business September 20, 1920. 
 
President-:E:i. A. Lovett. Vice-Pr,esidents-J. H. Rowland, vV. C. Tompkins. 
 
Cashier-R. L. Kent. 
 
Directors-E. .A. Lovett, J. H. Rowland, W. C. Tompkins, .A. F. Flanders, C. II. 
 
Lovett, W. L. Thompson, L. Mosley, R. L. Kent. 
 
Date of Charter----<February 16, 1897. 
 
Began Business-February 16, 1897. 
 
RESOURCES 
 
LIABJLITIES 
 
Time Loans ---------------$204,734 91 Capital Stock Paid J'n_______ $ 25,000 00 
 
Demand Loans -----------Loans Secured by Real Estate United States Bonds -------"Other Stocks and Bonds ____ Banking House ------------ 
 
32,600 66 --------26,000 00 --------- 
4,000 00 
 
Amt. Reserved for Branches 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks In this State __ 
 
-l;-5~000-0Q 
12,832 69 
 
Furniture and Fixtures ---- 1,708 00 Due to Banks in other States 
 
'Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 35,965 66 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---->------------ 267,770 72 
 
States -----------------Currency ------------------ 
 
5,643 66 8,778 00 
 
Demand Certificates of Deposit Time Certificates of Deposit 
 
-3T237-59 
 
SGiolvlder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-_-__- 
 
- - - -9-3-4 - -42- 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------- --------- Cashier's Checks ---------- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
742 33 
 
ties ----'----------------- --------Checks for Clearing House ---------- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
Other Checks and Cash Items --------- Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money -------Liability on Letters of Credit 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y- )- - -- -- -- -- -- -- -- -- 
 
12,829 37 
 
and Acceptances ---------Reserve for Interest and 
 
Other Assets: Treasury Certificates 
 
------ 100,000 00 
 
OtThaerxeLs ia-b-i-l-it-i-e-s-_-_-_-_-_-__-_-_-_-_--_ 
 
Bonds Bought -------------- 1,048 14 
 
6,651 65 
 
Total --------------------$448,234 98 Total --------------------$4~8.Z34 9S 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans -~--------------$182,695 50 Demand Loans ------------ 37,627 9R Loans Secured by Real Estate 49,691 62 United States Bonds ________ 27,327 14 
 
Other Stocks and Bonds ---- --------- 
 
Banking House and Furniture 
 
and Fixtures ------------ 5,708 00 
 
Other Real Estate Owned____ --------- 
 
Due from Banks in this State 39,455 43 
 
Due from Banks in other 
 
States ------------------Currency -----------------GSiolvlder-, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
5,643 97 6,0fi2 00 
5 00 
1,141 01) 
 
Advances on Cotton -------- 20,316 97 
 
Advances on other Commodi- 
 
ties ---~----------------- --------Checks for Clearing House ---------- 
 
Other Checks and Cash Items 
 
322 06 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
ances -------------------Overdrafts (if any) -------Other Assets -------------- 
 
187 66 
 
l:apital Stock Paid In_______$ 25,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------- 65,000 00 Undivided Profits ---------- 13,236 87 Dividends Unpaid --------- Due to Banks in this State __ 
 
Due to Banks in other States '~all Money ---------------[ndividual Deposits Subject 
 
to Check ---------------- 192,856 35 
 
)emand Certificates of Deposit ~im~ Certificat~s of Deposit__ 
 
-30:o44-o3 
 
:-;avmgs Depos1ts ---------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ---------Certified Checks ------------ 
 
345 51 
 
Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money _________ _ 
 
Liability on Letters of Credit 
 
and Acceptances ---------Reserve for Interest and 
 
Taxes ------------------Other Liabilities ----------- 
 
Total --------------------$326,482 76 Total --------------------$326,482 76 
 
 FIRST ANNUAL REPORT 
 
615 
 
EXAMINER'S li'.EPOli'.T. 
 
EXCHANGE BANK, WRIGHTSVILLE. 
 
At Close of Business September 27, 1920. 
 
President-F. B. Bedingfield. Vice-President-J. M. Mason. Cashier-E. L. Daley. 
 
Directors-F. B. Bedingfield, J. M. Mason, U. R. Jenkins, J. T. Fulford, T. E. 
 
Hayes, W. C. Tompkins, C. T. Bray, Jr. 
 
Date of Charter-December 20, 1909. 
 
Began Business-December 13, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$213,498 06 Capital Stock Paid in ------$ 35,000 00 
 
Demand Loans ------------ 31,303 98 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------- 
 
-32~000-00 
 
Surplus Fund -------------Undivided Profits ---------- 
 
Other Stocks and Bonds ____ 25,000 00 Dividends Unpaid ---------- 
 
Banking House ------------ 9,500 00 Due to Banks in this State __ 
 
40,000 00 11,897 26 
 
Furniture and Fixtures_____ --------- Due to Banks in other States 
 
Other Real Estate Owned ___ _ Due from Banks in this State 
 
-1-2~074-82 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other States ------------------ 
Currency ------------------GSiollvder, -N--i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
9,116 25 5,104 00 
910 00 3,279 70 
 
Detmo aCndheCckert-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit__ 
 
20T,849 62 -22~637-65 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------- 15,553 91 Cashier's Checks ------------ 
 
480 94 
 
Advances on other Commo,1ities ---------------------- 
 
--------- 
 
Certified Checks -----------Bills Payable -------------- 
 
--,-5~000-00 
 
Checks for Clearing House __ 
 
238 28 Notes and Bills Rediscounted 10,000 00 
 
Other Checks and Cash Items 1,664 91 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money ---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
Ovaenrcdersaf-ts--(-i-f--a-n-y-)----------------- ------------------- 
 
and Acceptances ---------Reserve for Interest and 
 
Other Assets: 
 
Taxes ------------------- 
 
Cash Short ---------------- 
 
21 44 Other Liabilities ----------- 
 
City Warrants-------------- 17,581 92 
 
Total ---------~----------$37~865 47 Total --------------------$376,865 7 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$115,138 56 Capital Stock Paid in ------$ 35,000 00 
Demand Loans ------------ 55,841 57 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 52,471 40 Surplus Fund -------------- 40,000 00 
 
United States Bonds -------- 32,000 00 endivided Profits ---------- 12,159 7? 
 
Other Stocks and Bonds ____ --------- Dividends Unpaid ---------- 
 
Banking House and Furniture 
 
Due to Banks in this State __ 
 
and Fixtures ------------- 9,500 00 Due to Banks in other States 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 8,774 84 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 156,751 71 
 
States -----------------Currency ------------------SGiol vl de r ,- -N- -i-c-k-e-l s-,- -P-e-n- n- -i e-s- - -__- _- -_ 
 
9, 736 36 7,697 00 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
-2T843-65 
 
907 3,683 
 
1530 
 
Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
Advances on Cotton -------- 8,674 15 Cashier's Checks ------------ 
 
677 69 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o- u- -s e- -_-_ 
 
---8-0-7---32- 
 
Bills Payable -------------Notes and Bills Rediscounted 
 
40,000 00 
 
Other Checks and Cash Items 
 
200 94 Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money---------- 
 
ters of Credit and Accept- 
 
Liability on Letters of Credit 
 
ances -------------------Overdrafts (if any) ------- ---------- 
 
and Acceptances ---------Reserve for Interest and 
 
Other Assets -------------- 
 
Taxes ------------------- 
 
Other Liabilities ----------- 
 
Total --------------------$305,433 , , Total --------------------$305,432 77 
 
 616 
 
BANKING DEPART}IIENT 
 
----------------------- 
 
E:XAMINEB.'S BEPOBT. 
 
FARMERS BANK, WRIGHTSVILLE. 
 
At Close of Business September 22, 1920. 
 
President-W. H. Raley. Vice-P,resident-W. M. Shurley. Cashier-R. B. Bryan. 
 
Directors-R. B. Bryan, R. E. Butterly, W. C. Cheste,r, C. M. Dent, J. R Dent, L. 
 
D. Downs, R. R. Martin, J. T. Miller, Wm. Oliver, W. H. Raley, W. M. Shurley. 
 
Date of Charter-April 29, 1919. 
 
Began Business-July 15, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$100,629 81 Capital Stock Paid in ------$ 47,000 00 Demand Loans ----<-------- 13,528 71 Amt. Reserved for Branches 
 
Loans secured by Real Estate United States Bonds -------Other Stocks and Bonds ____ BF ua nr nkiitnugr eHaonuds eF i-x- t-u-r-e-s- - -__- _-_- 
 
--------9,688 40 
--------9,486 21 3,146 20 
 
Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
 
5,613 28 
 
Other Real Estate Owned____ --------- Call Money ---------------- 
 
Due from Banks in this State 17,418 21 Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 75,583 94 
 
States ------------------Currency -----------------GSiollvder-, -N--i-c-k-e-ls-,--P-e-n-n--ie-s--_-_-_--_- 
 
- 
 
- 
 
6,657 
763 75 
687 
 
00 00 00 59 
 
Demand Certificates of Deposit Time Certificates of Deposit__ Savings Deposits ----------Trust Funds on Deposit_ __ _ 
 
-32,2()3-79 
 
Advances on Cotton -------- 2'6,437 04 Advances on other Commodi- 
ties ---------------------- --------Checks for Clearing House ---------Other Checks and Cash Items --------Customers' Liability on Let- 
ters of Credit and Accept- 
o;";~~~fts-(i:f-any)-:::::::: --2~326-oii 
 
Cashier's Checks ---------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money -------Liability on Letters of Credit 
and Acceptances__________ 
Reserve for Interest and 
 
1,562 12 43 89 
30,000 00 
 
Other Assets -------------- --------- Taxes ------------------Other Liabilities ------------ 
 
Total --------------------$192,007 02 Total --------------------$192,007 02 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 83,135 R1 Capital Stock Paid in ______ $ 47,000 00 Demand Loans ------------ 18,853 79 Amt. Reserved for Branches Loans Secured by Real Estate 10,821 94 Surplus Fund -------------- 
 
United States Bonds -------- 10,905 44 Undivided Profits ---------- 5,159 98 
 
Other Stocks and Bonds ---- --------- Dividends Unpaid ---------Banking House ------------ 5,000 00 Due to Banks in this State __ Furniture and Fixtures ---- 3,146 20 Due to Banks in other States 
 
Other Real Estate Owned____ Due from Banks in this State 
 
__6,-n-6--71_ 
 
Call Money ---------------Individual Deposits Subject 
 
Due from Banks in other 
 
to Check ---------------- 53,276 57 
 
States ------------------Currency ------------------ 
 
4,835 1,688 
 
16 00 
 
Demand Certificates of Deposit Time Certificates of Deposit__ 
 
-32,744-i2 
 
SGiolvlder-, --N-i-c-k-e-ls-,--P-e-n--n-ie-s-_-_-_-_-_ 
 
225 00 290 02 
 
STarvuisntgsFuDnedpsosoitns D--e-p-o-s-i-t_--__--_ 
 
Advances on Cotton Seed____ 9,668 59 Cashier's Checks ___________ _ 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
ties -------------------~- 9,036 08 Bills Payable -------------- 30,000 00 
 
Checks for Clearing House ---------- Notes and Bills Rediscounted 
 
Other Checks and Cash Items 
 
68 40 Certificates of Deposit for 
 
Customers' Liability on Letters of Credit and Accept- 
 
Borrowed Money -------Liability on Letters of Credit 
 
ances -------------------- --------- and Acceptances__________ Overdrafts (if any) -------- 130 24 Reserve for Interest and 
 
Other Assets: 
 
Taxes ------------------- 
 
Building Account ---------- 4,483 21 Other Liabilities ------------ 
 
Total --------------------$168,404 59 Total --------------------$168,404 59 
 
 FIRST ANNU.A.L REPORT 
 
617 
 
EXAMI:NEB'S BEPOBT. 
 
YATESVILLE BANKING COMPANY, YATESVILLE. 
 
At Close of B-.1siness July 12, 1920. 
 
President-F. F. Brown. Vice-President-G. H. :MitcheJI. Cashier-R. D. Higgins. 
 
Directors-F. F. Brown, G. H. :MitcheU, J. W. Blrown, A. D. Williams, C. E. 
 
Seweli, T. R. Chatfield, F. L. Chatfield. 
 
Date of Charter-December 18, 1906. 
 
Began Business-August 28, 1906. 
 
RESOURCES 
 
LIABILITIES 
 
---------------$ Time Loans 
Demand Loans ------------ 
 
94,093 08 5,670 03 
 
Capital Stock Paid in ------$ 17,500 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate United States Bonds -------- 
 
10,713 85 
 
Surplus Fund -------------Undivided Profits ---------- 
 
7,500 00 3,772 11 
 
Other Stocks and Bonds ---- 
 
Dividends Unpaid ---------- 
 
Banking House ------------ 2,000 00 Due to Banks in this State __ 
 
Furniture and Fixtures ---- 1,97 5 00 Due to Banks in other States 
 
Other Real Estate Owned___ _ 
 
Call Money ---------------- 
 
Due from Banks in this State 7,049 76 Individual Deposits Subject 
 
Due from Banks in other 
States ----<--------------- 
Currency -----------------SGiol vl de r , - -N-i-c-k-e-l s-,- -P-e-n- -n-i e-s- - _-_-_- -_ 
 
389 2,425 
 
45 00 
 
Detmo aCndheCcekrt-i-fi-c-a-t-e-s-o-f-D--e-p-o-s-i-t Time Certificates of Deposit__ 
 
61,057 03 -27.'078-7~ 
 
12 50 Savings Deposits ----------1,213 28 Trust Funds on Deposit___ _ 
 
Advanc-es on Cotton -------- 
 
Cashier's Checks ------~---'- 
 
Advances on other Commodi- 
 
Certified Checks ------------ 
 
C htei ecsk s- -f o- -r -C- -l e-a-r-i-n-g- -H- -o-u-s-e- _-_- 
 
Bills Payable -------------- 39,000 00 840 41 Notes and Bills Rediscounted 5,135 11 
 
Other Checks and Cash Items 
 
Certificates of Deposit for 
 
Customers' Liability on Let- 
 
Borrowed Money -------- 
 
ters of Credit and AcceptO vaenrcdersa f-t-s- -(-i f- -a-n-y-)- - -- -- -- -- -- -- -- -- 
 
LiaanbdilitAycocnepLtaentcteerss__o_f__C_r_e_d_i_t 154 51 Reserve for Interest and 
 
Other Assets -------------- 
 
150 00 Taxes ------------------- 
 
Other Liabilities ------------ 
 
Total --------------------$161,042 97 Total --------------------$161,042 97 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 62,880 82 
Demand Loans ------------ 5,295 71 Loans Secured by Real Estate 22,881 04 UOnthiteerdSStotactkess aBnodndBson--d-s-_-_-_--_ 10,263 85 
 
FBua nr nkiitnugr eHaonuds eF i-x- t-u-r-e-s- - -__-_- -_ 
 
2,000 00 1,97 5 00 
 
Other Real Estate Owned___ _ 
 
Due from Banks in this State 5,735 31 Due from Banks in other 
 
States ------------------Currency -----------------GSiolvlder, --N-i-c-k-e-ls-,--P-e-n--n-ie-s---_-__--_ 
 
100 22 902 00 
12 50 1,145 74 
 
Advances on Cotton -------- 17,436 20 Advances on other Commodi- 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o-u- -s e- _-_Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
 
1,673 54 
 
O O 
 
tvahenercrdersAaf-st-sse--t(s-if---a--n---y--)-------------------<-------- 
 
346 34 
 
Capital Stock Paid in ------$ 17,500 00 Amt. Reserved for Branches Surplus Fund -------------- 7,500 00 Undivided Profits ---------- 2,464 44 Dividends Unpaid ---------Due to Banks in this State__ Due to Banks in other States 
 
CInadllivMidounael y D-e-p-o--si-t-s---S-u-b-j-e-c-t 
to Check ---------------Demand Certificates of Deposit Time Certificates of DeposiL Savings Deposits ----------Trust Funds on Deposit_ __ _ 
 
36,657 63 29,434 85 
 
Cashier's Checks ----------- 
 
91 35 
 
Certified Checks -----------Bills Payable -------------- 
 
-3-9~000-00 
 
Notes and Bills Redisc-ounted 
 
Certificates of Deposit for 
 
Borrowed Money -------L iaanbdi l i tAy cocne pLt aentct eerss__o_f__C_r_e_d_i_t 
 
Reserve for Interest and 
 
Taxes ------------------Other Liabilities ------------ 
 
Total --------------------$132,648 27 Total ------'--------------$132,648 27 
 
 618 
 
BaNKING DEPARTMENT 
 
EXAM:Il!II"EB'S BEPOBT. 
 
BANK OF ZEBULON, ZEBULON. 
 
At Close of Business August 17, 1920. 
 
President-W. J. Franklin. Vice-President-P. M. Sullivan. Cashier-C. R. Gwyn. 
 
Directors-W. J. Franklin, P. M. Sullivan, C. R. Gwyn, E. F. Dupree, M. M. Head, 
 
W. C. Norris, S. S. Barrett, J. M. Means. 
 
Date of Charter-March 18, 1905. 
 
Began Business January 31, 1905. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$182,736 82 Capital Stock Paid In_______$ 25,000 00 
 
Demand Loans ------------Loans Secured by Real Estate United States Bonds -------Other Stocks and Bonds ____ Banking House --<---------Furniture and Fixtures ---- 
 
4,451 95 --------40,700 00 
3,285 46 
15,000 00 6,063 61 
 
Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks In this State __ Due to Banks In other States 
 
20,000 00 9,166 20 
 
Other Real Estate Owned____ --------- Call Money ---------------Due from Banks in this State 17,423 48 Individual Deposits Subject 
 
Due from Banks in other States ------------------- 
Currency ------------------ 
 
to Check ---------------- 94,934 38 4,068 98 Demand Certificates of Deposit 3,998 00 Time Certificates of Depos!L_ 74,543 05 
 
Gold ----------------------- 
 
535 00 Savings Deposits ----------- 
 
Silver, Nickels, Pennies ____ 1,761 10 Cashier's Checks ---------- 1,823 16 
 
Advances on Cotton -------- --------- Certified Checks ------------ 
 
Advances on other Commodi- 
 
Bills Payable -------------- 25,000 00 
 
ties ---------------------- --------- Notes and Bills Rediscounted 30,634 39 
 
Checks for Clearing House __ 
 
412 52 Certificates of Deposit for 
 
Other Checks and Cash Items --------- Borrowed Money -------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances _________ _ 
 
ances -------------------- --------- Reserve for Interest and 
 
Overdrafts (if any) -------- 
 
689 74 Taxes ---------------'---- 
 
Other Assets -------------- --------- Other Liabilities ------------ 
 
25 48 
 
Total --------------------$281,126 66 Total --------------------$281,126 66 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------~---$134,745 98 Demand Loans______________ 2,991 71 
 
Loans Secured by Real Estate --------- 
 
United States Bonds -------- 14,800 00 Other Stocks and Bonds ____ 1,351 02 
 
Banking House ------------- 17,000 00 Furniture and Fixtures______ 6,063 61 
 
Other Real Estate Owned____ --------- 
 
Due from Banks in this State 18,273 46 
 
Due from Banks in other 
 
States ------------------ 4,167 49 Currency ------------------ 5,H5 00 
 
GSiolvlder,--N-i-c-k-e-l-s,--P-e-n--n-ie--s --_-__--_ 
 
32 50 1,883 '47 
 
Advances on Cotton -------- 6,463 49 Advances on other Commodi- 
 
C htei ecsk s- -f-o-r- -C-l-e-a-r-i n- -g- -H-o-u- -s e- -__Other Checks and Cash Items 
 
--------- 
--i73i-34 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y- )- - ---------------- 
 
--------462 12 
 
Other Assets -------------- --------- 
 
Capital Stock Paid in ------$ Amt. Reserved for Branches Surplus Fund -------------Undivided Profits ---------Dividends Unpaid ---------Due to Banks In this State __ Due to Banks in other States Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of De- 
posit -------------------Time Certificates of Deposit Savings Deposits ----------Trust Funds on Deposit_ __ _ 
Cashier's Checks ---------Certified Checks -----------Bills Payable -------------Notes and Bills Rediscounted Certificates of Deposit for 
Borrowed Money -------Liability on Letters of Credit 
and Acceptances_________ _ 
Reserve for Interest and 
Taxes ------------------Other Liabilities ------------ 
 
25,000 00 20,000 00 
7,298 60 635 43 
91,078 53 67,688 02 
3,710 61 
 
Total --------------------$215.111 10 Total --------------------$215,411 19 
 
 FIRST ANNUAL REPORT 
 
619 
 
EXAMINER'S REPORT. 
 
FARMERS BANK, ZEBULON. 
 
At Close of Business July 15, 1920. 
 
President-R. Directors-R. 
 
W. W. 
 
Dunn. Dunn, 
 
R.Vwic.e-HParlel,siJd.e 
 
nt-R. W. R. Wood, 
 
Hall. J. M. 
 
Cashier-H. Means, li. :H. 
 
E. Carmichall. Rawes, W. H. 
 
Dunn, M. L. Dunn, H. T. Sikes, J. F. Howard, H. A. Rider, 
 
G. B. Ridley, J. H. Reeves, W. J. Reeves. 
 
Date of Charter-August 22, 1919. 
 
Began Business-October 1, 1919. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 81,190 68 
Demand Loans ------------ 1,831 00 Loans Secured by Real Estate United States Bonds -------- 2,631 31 Other Stocks and Bonds ___ _ 
 
BFuanrnkiitnugreHaonudse F-ix-t-u-r-e-s---__-_--_ Other Real Estate Owned___ _ 
 
Due from Banks in this State Due from Banks in other 
 
States Currency 
 
- 
 
--------- . 
 
-r---------------------- 
 
GS iollvde r , - -N-i-c-k-e-l-s ,- -P- -e-n-n-i-e-s - -_-_-_-_ 
 
Advances on Cotton -------- 
 
Advances on other Commodi- 
 
Chteiecsks 
 
--------------~------for Clearing House __ 
 
Other Checks and Cash Items 
 
Customers' Liability on Let- 
 
ters of Credit and Accept- 
 
4,000 00 1,885 04 8,014 24 2,177 77 2,387 00 
5 00 251 69 
2 00 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y-)- - ---------------Other Assets -------------- 
 
6.38 
 
Capital Stock Paid in ------$ 27,000 00 Amt. Reserved for Branches 
 
Surplus Fund -------------Undivided Profits ---------- 1,332 63 
 
Dividends Unpaid ---------Due to Banks in this State 
 
65 13 
 
Due to Banks in other States 
 
Call Money ---------------- 5,000 00 Individual Deposits Subject 
 
to Check ---------------- 35,652 OS Demand Certificates of Deposit 
 
Time Certificates of Deposit 5,308 79 
 
Savings Deposits ----------Cashier's Checks ---------- 
 
23 48 
 
Certified Checks -----------Bills Payable -------------- 30,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money -------Liability on Letters of Credit 
 
and Acceptances ---------Reserve for Interest and 
 
Taxes ____ --------------- 
 
Other Liabllit'es ------------ 
 
Total --------------------$104,382 11 Total --------------------$104,382 11 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 46.490 12 Demand Loans -------------- 6,286 10 Loans Secured by Real Estate 9,055 00 
 
United States Bonds -------Other Stocks and Bonds___ _ 
 
752 00 
 
Banking House ------------ 4,000 00 Furniture and Fixtures____ _ 1.988 54 
 
Other Real Estate Owned___ _ 
 
Due from Banks in this State 6,005 23 
 
Due from Banks in other 
 
States ------------------Currency ------'-----------<SIiolvlder-, --N-i-c-k-e-l-s,--P-e-n--n-i-e-s --_-_-_-_ Advances on Cotton _______ _ 
 
1,559 26 
5,209 00 5 00 
819 75 
 
Advances on other Commodi- 
 
Ctceiceks s--f-o-r--C-l-e-a-r-in--g--H-o-u--s-e-__Other Checks and Cash Items Customers' Liability on Lec- 
ters of Credit and Accept- 
 
121 15 
 
O vaenrcdersa f-t-s - -(-i f- -a-n-y-)- - -------------- -Other Assets: Profit and Loss ------------ 
 
36 32 1,264 06 
 
Capital Stock Paid in ______$ 27,000 00 Amt. Reserved for Branches 
 
USunrdpivluids edFuPnrdof-i-ts---_-_-__-_--__,-__-__--_ 
 
1,000 00 15 79 
 
Dividends Unpaid ---------Due to Banks in this State __ 
 
Due to Banks in other States 
 
Call Money ---------------- 7,500 00 Individual Deposits Subject 
 
to Check ---------------- 18,117 5< Demand Certificates of De- 
 
posit -------------------Time Certificates of Deposit 1,535 07 
 
Savings Deposits ----------Trust Funds on Deposit_ __ _ 
 
Cashier's Checks ---------- 
 
423 10 
 
Certified Checks -----------Bills Payable -------------- 28,000 00 Notes and Bills Rediscounted 
 
Certificates of Deposit for 
 
Borrowed Money -------Liability on Letters of Credit 
 
and Acceptances ---------Reserve for Interest and 
 
Taxes ------------------Other Liabilities ------------ 
 
Total --------------------$ 83,591 53 Total --------------------$ 83,591 53 
 
 G20 
 
BANKING DEPARTMENT 
 
EXAMINER'S REPORT. 
 
COMMERCIAL CITY BANK, AMERICUS. 
 
At Close of Business November 6, 1920. 
 
President-crawford Wheatley. Vice-President-Samuel Harrison. 
 
Cashier-Samuel Harrison. 
 
Directors-Crawford Wheatley, C. ~- S. Horne, Samuel Harrison. 
 
- - - - - I RESOURCES 
- - - - - - - ' - - - - 
 
LIABILITIES 
 
Time Loans ---------------$ 76,160 97 
Demand Loans ------------- 6,540 OU Loans on Real Estate______ 20,000 00 Banking House ------------ 25,000 00 Other Real Estate Owned____ 18,398 69 Furniture and Fixtures______ 5,077 00 
Stocks and Bonds other than U. S. or State of Georgia --------- 
United States and State of Ga. Bonds --------------- 2,500 00 
 
Capital Stock --------------$ 50,000 00 
Surplus Fund -------------- 2,710 46 Undivided Profits ---------- --------Due Unpaid Dividends______ --------Due to Banks in this State__ 2,531 92 Due to Banks in other States --------- 
Call Money ---------------- --------Deposits Subject to Check__ 36,118 76 
----35-oo Demand Certificates of Deposit 
Cashier's Checks __________ 
 
Due from Approved Reserve 
 
Certified Checks ------------ --------- 
 
Agents --------------------- ------- Savings Deposits --------- ---------Currency ----'-------------- 1,488 00 Time Certificates of Deposit 13,308 50 
 
Gold ---------------------Other Coined Money-------- 
 
40 00 Trust Funds on Deposit_ ___ --------561 75 Certificates of Deposit Repre- 
 
Due from other Banks______ 2,~96 80 senting Borrowed Money-- --------- 
 
Checks for Clearing House__ 
 
146 76 Bills Payable -------------- 64,800 00 
 
Cash Items (Irregular)_____ 7,112 28 Rediscounts --------------- --------- 
 
Advances on Cotton_______ ---------- Liability on Letters of Credit 
 
Customers' Liability on Let- 
 
and Acceptances --------- --------- 
 
ters of Credit and Accept- 
 
Reserve for Interest and 
 
ances -------------------Advances on other C'ommodi- 
ties ---------------------Overdrafts (if any)--------Other Resources: Profit and Loss ------------ 
 
----------------- 
1,158 00 3,850 25 
 
Taxes ------------------Other Liabilities: Collections ---------------- 
 
--------1,325 86 
 
Total --------------------$170,830 50 Total --------------------$170,830 50 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
-------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 
Demand Loans ------------ 
 
92,920 15 
 
Capital Stock Paid In ______ $ 50,000 00 Amt. Reserved for Branches 
 
Loans Secured by Real Estate 
 
Surplus Fund -------------- 
 
United States Bonds_______ _ 
 
Undivided Profits ---------- 
 
864 00 
 
Other Stocks and Bonds___ _ 
 
Dividends Unpaid ---------- 
 
Banking House ----<-------Furniture and Fixtures___ _ 
 
25,000 00 Due to Banks in this State__ 5,077 00 Due to Banks in other States 
 
Other Real Estate Owned ___ _ Due from Banks in this State Due from Banks in other States 
Currency ------------------GS iellvde r , - -N-i-c-k-e-l s-,- -P- -e-n-n-i e- s- - -_-_-_ -_ Advances on Cotton________ _ 
 
18,398 69 6,558 68 
 
Call Money ---------------Individual Deposits Subject 
to Check ---------------Demand Certificates of Deposit Time Certificates of Deposit Savings Deposits ---------Trust Funds on Deposit_ __ _ 
 
37,753. 80 -1-3~23T76 
 
Advances on other CommodiC ht ieecsk s- -f o- -r - -C-l-e-a-r-i n-g- - -H-o-u- s-e- _-_Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
O va enrcdersa f-t s- - -(-i-f - -a-n- -y-)------------ -- -Other Assets: Rents --------------------Interest Paid -------------- 
 
Cashier's Checks ---------Certified Checks -----------Bills Payable and Time Cer4,204 13 tificates Representing Bor- 
rowed Money -----------Notes and Bills Rediscounted Certificates of Deposit for 1,121 95 Borrowed Money _______ _ Liability on Letters of Credit 800 00 and Acceptances --------1,269 96 Reserve for Interest and 
 
53,500 00 
 
Taxes ------------------Other Liabilities ----------- 
 
Total --------------------$155,350 56 Total --------------------$155,350 56 
 
Banks omitted in proper order. 
 
 FIRST ANNUAL REPORT 
 
621 
 
EXA:MINEB.'S B.EPOB.T. 
BANK OF BYROMVILLE, BYROMVILLE. 
 
At Ciose of Business July 24, 1920. 
 
President-E. B. Davis. Vice-President-J. D. Lester. Cashier-G. H. Buxton. Directors-E. B. Davis, W. T. Ricks, J. D. Lester, A. A. Joiner, W. R. Groves. 
 
Date of Charter-July 19, 1920. 
 
Began Business-July 26, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ------------$ 26,628 04 Capital Stock Paid In -------$ 15,000 00 
 
Demand Loans ------------ 
 
465 83 Surplus Fund -------------- 
 
Loans on Real Estate______ Banking House -----------Other Real Estate Owned____ 
 
3,500 00 ----------------- 
 
DUuned i vUi dnepda i dP r oDfiivt si d e-n-d- -s -__- _-_-_- -_ Due to Banks in this State __ 
 
Furniture and Fixtures_____ --------- Due to Banks in other States 
 
Stocks and Bonds other than 
 
Call Money ---------------- 17,500 00 
 
U. S. or State of Georgia__ --------- Deposits Subject to Check __ 13,386 03 
 
United States Bonds________ 
 
174 67 Demand Certificates of De- 
 
Due from Banks in this State 14,762 24 posit -------------------- 
 
Due from Banks in other 
 
Cashier's Checks ----------- 
 
144 11 
 
States ------------------Currency -----------------GOot hl de r- -C-o-i-n-e-d- -M - - -o-n-e-y- --------------- 
 
1,370 09 Certified Checks -----------1,422 00 Savings Deposits ---------- 
20 00 Time Certificates of Deposit 334 83 Trust Funds on Deposit_ __ _ 
 
3,005 10 
 
Due from other Banks______ --------- Certificates of Deposit Repre- 
 
Checks for Clearing House__ --------- senting Borrowed Money_ 
 
Cash Items (Irregular)------ 
 
1 66 Bills Payable -------------- 
 
CAudsvtaonmceesrsonLiCaboitltiotny -o-n--L--e-t-- 
 
--------- 
 
Rediscounts ---------------Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances ---------- 
 
Adavnacnecses--o-n--o--th-e--r -C--o-m-m--o-d-i-- 
 
--------- 
 
Reserve Taxes 
 
for Interest and ------------------- 
 
ties --------------------- --------- Other Liabilities ----------- 
 
Overdrafts (if any)-------- 
 
306 66 
 
:9.~;~ Other Resources: 
Profit and Loss ----------- _ _ 
Total --------------------$ 
 
---~ 24 Total --------------------$ 4~.035 24 
 
BANK'S STATEMENT At close of business December 15, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$ 
Demand Loans -----------Loans Secured by Real Estate United states Bonds________ Other Stocks and Bonds___ _ 
Banking House -----------Furniture and Fixtures_____ Other Real Estate Owned___ _ Due from Banks in this State Due from Banks in other 
States ------------------Currency -----------------GS iollvde r . - -K- -i c-k- e- l-s-,- -P- -e-n-n-i -e-s -_-__- -_ Advances on Cotton________ 
Advances on other CommodiChteiecks s -f-o-r~-C-l-e-a-r-in--g--H-o--u-s-e-_-_ Other Checks and Cash Items Customers' Liability on Let- 
ters of Credit and Accept- 
Ovaenrcdersaf-ts---(-i-f --a-n--y-)---------------Other Assets: 
Profit and Loss ------------ 
 
26,229 87 2,961 83 
7,378 90 1,431 20 1,714 00 
10 00 338 50 9,856 41 
58 75 
11 26 155 40 
 
Capital Stock Paid In______ $ 15,000 00 
 
Amt. Reserved for Branches --------- 
 
Surplus Fund -------------- --------Undivided Profits ------~--- --------Dividends Unpaid --------- --------Due to Banks in this State__ --------- 
 
Due to Banks in other States --------- 
 
Call Money ---------------- 4,000 00 Individual Deposits Subject 
 
to Check ---------------- 16,725 91 Demand Certificates of Deposit --------Time Certificates of Deposit 3,567 70 
 
Savings Deposits ---------- --------- 
 
Trust Funds on Deposit_ ___ --------- 
 
Cashier's Checks ---------- 
 
847 51 
 
Certified Checks ------------ --------Bills Payable -------------- 10,000 00 Notes and Bills Rediscounted --------Certificates of Deposit for 
 
Borrowed Money -------- --------Liability on Letters of Credit 
 
and Acceptances --------- --------Reserve for Interest and 
 
Taxes ------------------- --------- 
 
Other Liabilities: 
 
Collection on Montezuma__ _ 
 
5 00 
 
Total --------------------$ 50,146 12 Total --------------------$ 50,146 12 
 
Banks omitted in proper order. 
 
 o22 
 
BANKING DEPARTMENT 
 
EXAliii:INEB'S BEPOBT. 
 
PEOPLE'S BANK, MANSFIELD. 
 
At Close of Business 'September 15, 1920. 
 
President-N. Z. Anderson. Vice-President-C. C. Lunsford. 
 
Cashier-J. E. Harwell. Directors-:'\. Z. Anderson, C. C. Lunsford, S. R. Smith, R. L. Epps, E. H. Adams, 
 
F. H. Franklin, Jut C. Hays,, \V. G. Biggers. 
Date of Charter-March -17-, -1-91-0.---------------------------------- 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$157,456 92 Capital Stock ______________$ 25,000 00 
 
Demand Loans ------------ 5,750 00 Surplus Fund ------------ ----------Loans on Real Estate ------ --------- Undivided Profits ---------- --------- 
 
Banking House -----------Other Real Estate Owned __ Furniture and Fixtures ___ _ 
Stocks and Bonds Other Than U. S. or State of Georgia __ 
United States and State of 
 
1,910 48 594 92 
2,261 38 
--------- 
 
Due Unpaid Dividends _____ --------Due to Banks in this State__ --------Due to Banks in other States --------- 
Call Money ---------------- --------Deposits Subject to Check___ 47,386 29 Demand Certificates of Deposit _______ _ 
 
D uGea .f r oBmo nBdasn k-s- -i n- -t-h-i-s- -S-t-a-t -e Due from Banks in other 
States ------------------Currency -----------------GOothlder -C-o-i-n-e-d--M--o-n-e-y--_-_-_-_-_-_-_- 
 
--------2,283 74 
4 19 1,416 00 --------- 
562 46 
 
Cashier's Checks ----------- 
 
84 81 
 
Certified Checks --------- ---------- 
 
Savings Deposits ----------- --------- 
 
Time Certificates of Deposit 13,174 86 
 
Trust Funds on Deposit____ ________ _ 
 
Certificates of Deposit Repre- 
 
Due from other Banks _____ --------- senting Borrowed Money__ --------- 
 
Checks for Clearing House__ 
 
257 79 Bills Payable -------------- 85,000 00 
 
Cash Items (Irregular) ____ _ 
 
170 97 Re-djRcounts -------------- 6,073 95 
 
Advances on Cotton -------- --------- Liability on Letters of 
 
Customers' Liability on Let- 
 
Credit and Acceptances __ --------- 
 
ters of Credit and Accep- 
 
Reserve for Interest and 
 
Adtvananc.ceess o-n--o--th-e--r -C--o-m-m--o-d-i-- 
 
--------- 
 
Taxes ------------------Other Liabilities ----------- 
 
________ _ ________ _ 
 
Ovtieersdra-f-t-s--(-if--a-n-y-)--_-_-_-_-_-_-_-_- --2-,5-9-4---02- 
 
Other Resources ----------- --------- 
 
Cash Short ---------------Profit and Loss ------------ 
 
1 77 1,455 30 
 
Total --------------------$176,719 91 Total --------------------$176,719 91 
 
EXAMINER'S REPOR'l' at Close of Business December 31, 1920. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ----------------$137.564 78 Capital Stock ______________ $ 25,000 00 
 
Demand Loans ------------- 3,550 00 burplus Fund ----------------- 
 
Loans on Real Estate ------ --------- TTndivic!ed Profits -------------- 
 
Banking House ------------ 2,000 00 Due Unpaid Dividends ----- 
 
Other Real Estate Owned __ 
 
594 92 Due to Banks in this State __ 
 
Furniture and Fixtures ____ 2,353 16 Due to Banks in other States 
 
Stocks and Bonds other than 
 
Call Money ---------------- 
 
U. S. or State of Georgia__ --------- Deposits Subject to Check__ 35,878 35 
 
United States and State of 
 
Demand Certificates of De- 
 
Ga. Bonds --------------- _________ posits ------------------- 
 
Due from Approved Reserve 
 
Cashier's Checks ---------- 
 
887 95 
 
Agents ------------------ _________ Certified Checks ----------- 
 
Currency -----------------Gold other Coined Money___ 1 '11P trr-n1_ nthei' Banks____ 
 
1,494 00 Savings Deposits ---------513 54 Time Certificates of Deposit 208 87 Trust Funds on Deposit __ _ 
 
5,911 92 
 
Checks for Clearing House__ Cash Items (Irregular) ____ 
 
83 90 Certificates of Deposit Repre178 76 senting Borrowed Money__ 
 
Advance on Cotton --------- _________ Bills Payable -------------- 80,000 00 
 
Customer's Liability on Letters of Credit and Accep- 
 
R<e-diocounts -------------- 5,746 37 Liability on Letters of 
 
tances ------------------- --------- Credits and Acceptances __ 
 
Advances on other Commodi- 
 
Reserve for Interest and 
 
ties --------------------- --------- Taxes ------------------Overdn>fts (if any) -------- 1,613 61 Other Liabilities ----------Other Resources ----------- ________ _ 
 
Loss and Gain ------------ 3,269 05 
 
Total --------------------$153,424 59 Total --------------------$153,424 59 
 
Banks omitted in proper order. 
 
 'd' }4, ""*'" 
 
FIRST ANNUAL REPORT 
 
623 
 
EXAMINER'S BEPOBT. 
 
CITIZENS' BANK, WAVERLY HALL. 
 
At Close of Business October 29, 1920. 
 
President-H. L. Baldwin. Vice-President-C. F. 1Smith. Cashier-G. P. Stanford. Directors-H. L. Baldwin, C. F. Smith, G. P. Sta>nford, L. W. Stanford, H. H. 
Moultrie, T. J. Amos, John Moultrie. 
 
Date of Charter-September 13, 1909. 
 
Began Business-September 9, 1909. 
 
RESOURCES 
 
LIABILITIES 
 
Time Loans ---------------$ 27,319 93 Capital Stock --------------$ 15,800 00 Demand Loans _____________ 9,505 99 Surplus Fund ----------------- --------- 
 
Loans on Real Estate ____ ---------- Undivided Profits ---------- 
 
384 99 
 
Banking House ____________ 1,984 51 Due Unpaid Dividends _____ --------- 
 
Ot)ler Real Estate Owned __ --------- Due to Banks in this State__ 1,283 28 
 
Furniture and Fixtures ____ 2,343 14 Due to Banks in other States --------- 
 
Stocks and Bonds other than 
 
Call Money ---------------- --------- 
 
U. S. or State of Georgia__ --------- Deposits Subject to Check __ 30,852 47 
 
United States and State of 
 
Demand Certificates of De- 
 
Ga. Bonds --------------- 4,623 86 posits ------------------- --------- 
 
Due from Approved Reserve 
 
Cashier's Checks ----------- 3,147 24 
 
Agents ------------------ 5,011 21 Certified Checks ------------ --------Currency ------------------ 1,016 00 Savings Deposits __________________ _ 
 
Gold ---------------------Other Coined Money ________ 
 
5 00 Time Certificates of DeDosit 10,910 33 527 05 Trust Funds on Deposit ____ _ _______ _ 
 
Due from other Banks._____ _________ Certificates of Deposit Rep re- 
 
Checks for Clearing House__ 1,948 49 senting Borrowed Money__ --------- 
 
Cash Items (Irregular) ____ 8,847 29 Bills Payable -------------- 2,500 00 Advances on Cotton ________ --------- Re-discounts _____________ ---------- 
 
Customers' Liability on Let- 
 
Liability on Letters of Credit 
 
ters of Credit and Accept- 
 
and Acceptances --------- --------- 
 
Adav.nacnecses--o-n-o--th-e-r--C-o-m--m--o-d-it-i-es --__-_-_-_-_-_-_-_ 
 
Reserve for Interest and Taxes ------------------- 
 
--------- 
 
Overdrafts (if any --------- 1,807 95 Other Liabilities: 
 
Other Resources ----------- --------- Cash Long -------------- 
 
62 ] 1 
 
Total --------------------$ 64,940 12 Total ____________________$ 64,940 42 
 
BANK'S STATEMENT at Close of Business December 15, 1920. 
 
RESOURCES 
-------------- --- 
 
LIABILITIJ,;S 
 
Time Loans --------------- --------- Capital Stock Paid in ______$ 15,800 00 
 
Demanrl Loans ---------------- ________ _ Amt. Reserved for Branches 
 
Loans Secured by Real Estate ________ _ Surplus Fund ----~---------- 
 
United States Bonds -------Other Stocks and Bonds ____ 
 
4,600 or 
--------- 
 
DUinvdiidveidnedds PUrno!f)iatsid--_-_-_-_--_-_-_-_-_-_- 
 
Banking House ------------ 1,984 51 Due to Banks in this State__ Furniture and Fixtures _____ 2,343 1' Due to Banks in other States 
 
133 18 
 
Other Real Estate Own.3:l __ -------- .. Call Money ---------------- 
 
Due from Banks in this State 
 
1 02 Individual Deposits Subject 
 
DP" from Banks in other States ------------------- 
 
36 01 Detmo aCnhdecCker-t-if-i-c-a-te-s---o-f---D--e-- 24,868 85 
 
Currency --------------------n"ld ----------~--------------- 
 
--------________ _ 
 
TipmoesitCs er-ti-f-ic-a-t-e-s--o-f--D--e-p-o-s-i-t 
 
Silver, Nickels, Pennies ____ 10,880 o~ Savings Deposits ---------- 
 
Advances on Cotton -------- --------- Trust Funds on Deposit ____ 
 
10,910 31 
 
Advances on other Commodities --------Checks for Clea.ring House _________ _ 
 
Cashie~s Checks ----------Certified Checks ------------ 
 
Other Checks and Cash Items --------- Bills Payable -------------- 
 
Customers' Liability on Let- 
 
1\"otes and Bills Re-discounted 
 
268 20 2,500 00 
 
ters of Credit and Accept- 
 
CP-tifieat<>s of Deposit for 
 
ances -------------------Overdrafts (if any) _______ _ 
 
________ _ 703 5o 
 
Borrowed Money -------Liability on Letters of Credit 
 
Other Assets: 
 
and Acceptances --------- 
 
Bills Receivable ---------- 34,211 61 Interest and Discount ------ 6,221 63 
 
Exp,enses Paid ----------- 3,094 23 Other Liabilities: 
 
Interest Paid ------------ 2,422 69 Exchange ---------------- 
 
Taxes Paid --------------- 
 
540 05 
 
138 57 
 
vVar Savings Stamps ------ 
 
23 86 
 
Total ----------------------$ 60,840 74 Total ----------------------$ 60,840 74 
 
Banks omitted in proper order. 
 
 624 
 
BANKING DEPARTMENT 
 
STATEMENT OF NATIONAL BANKS IN GEORGIA 
 
Showing Condition at the Close of Business on Dec. 29, 1920. 
 
(IN THOUSANDS OF DOLLARS) 
 
RESOURCES 
 
Loans and Discounts ------------------------------------------$109,650,000 00 OCuvsetrodmraefrtss' L-i-a-b-i-l-it-y--A--c-c~o-u-n-t--o-f--"-A--c-c-e-p-ta-n--c-e-s"---_-__--.:-_-__-_-_-_-_-_-_-_-_-_-_-_-_ 1,355251,,000000 0000 United States Government Securities Owned_______ _.____________ 20,106,000 00 
 
Other Bonds and Securities ------------------------------------- 2,313,000 00 
 
3,m:m Stocks other than Federal Reserve Bank Stock__________________ 
~~~%~~ir~~u;~ s_t~:~~!_:_e_d_e_r_!l!_=:.~~e_r_':_~~~~~~-================== 
 
61,000 '0 
~~ 
 
Furniture and Fixtures ----------------------------------------Other Real Estate Owned ---------------------------------------Lawful Reserve with Federal Reserve Banks -------------------Items with Federal Reserve Banks in Process of Collection______ Cash in Vault and Due from National Banks____________________ Net Amounts Due from Banks, Bankers and Trust Companies____ Exchanges for Clearing Houses -------------------------------Checks on Other Banks in the Same Place ----------------------Outside Checks and Otl1er Cash Items__________________________ Redemption Fund and Due from United States Treasurer -------Interest Earned But Not Collected-Approximate ------------------ 
Other Assets --------------------------------------------------- 
 
773,000 297,000 
 
00 
 
7,428,000 00 
 
3,962,000 00 
 
10,296,000 00 
 
4,990,000 00 
 
1,626,000 00 
 
206,000 00 476,000 00 
 
521,000 00 
 
211,000 00 
14~000 00 
 
Total --------------------------------------------------------$168,723,000 00 
 
LIABILITIES 
 
Capital Stock Paid in ------------------------------------------$ 13,651,000 00 
 
SUunrdpilvuisd eFduPn dr osf i-t s- -L- -e-s-s- -E-x-p-e-n- s-e-s- -&- - -T-a-x-e-s- -P- a- -i d- _- _-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- _- 
 
11,909,000 00 4,257,000 00 
 
Interest & Discounts Collected but not Earned-Approximate________ 573,000 00 
 
Amount Reserved for Taxes Accrued______________________________ 
 
82,000 00 
 
Amount Reserved for all Interest Accrued________________________ National Bank Notes Outstanding________________________________ 
 
261,000 10,232,000 
 
0oo0 
 
Due to Federal Reserve Banks--------------~-------------------- 
 
38,000 00 
 
Net Amounts due to National Banks---------------------------- 4,100,000 00 
 
Net Amou.nts Due to Banks and Bankers -------------------------- 8,145,000 00 
 
Certified Checks Outstanding------------------------------------ 
 
78,000 00 
 
CDaesmhaienrds' CDheepcokssitso_n__O_w__n__B_a_n_k__O__u_t_s_ta_n__d_in__g__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Time Deposits__________________________________________________ 
 
431,000 00 
65,956,000 00 34,544,000 00 
 
UUnniitteedd SSttaatteess GDoevpeorsnimtse_n__t _S-e-c-u--ri-t-ie-s--B--o-r-r-o-w-e-d-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Other Bonds Borrowed _________________________________________ _ 
 
802,000 00 626,000 00 
 
Securities (Other Than U. S. or Other Bonds) Borrowed_______ _ Bills Payable Other than with Federal Reserve Banks, Including 
Obligations Representing Money Borrowed______________________ Bills Payable with Federal Reserve Banks_______________________ _ State Bank Circulation Outstanding____________________________ 
 
4,4R8,000 00 7,028,000 00 
 
Cash Letters of Credit & Travelers' Checks Outstanding_________ _ 
 
Acceptances Time Drafts 
 
-O-u-t-s-t-a-n-d-i-n-g-----~-------------------------------------------------------------------------- 
 
Other Liabilities ----------------------------------------------- 
 
3,000 00 1,432,000 00 
87,000 00 
 
Total 
 
168,723,000 00 
 
Liabilities for Rediscounts, Including those with Federal Reserve Banks ---------------------------------------------- ---------- 26,160,000 00 
 
 COMBINED STATEMENT OF STATE BANKS, TRUST COMPANIES AND NATIONAL BANKS. 
 
641 STATE BANKS AND TRUST COMPANIES, INCLUDING 24 BRANCHES, AND 94 NATIONAL BANKS SHOWING CONDITION STATE BAN;KS AND TRUST COMPANIES DEC. 5, 1920. NATIONAL BANKS DEC. 29, 1920. 
(NATIONAL BANK FIGURES TAKEN IN THOUSANDS ONLY) 
 
RESOURCES. 
 
Loans & Discounts_______________________ ---------------------OUvnei treddr aSf ttsa t e-s- -B-o- n- -d-s- -a-n-d- -S-e- c- -u-r i-t-i-e-s- -O-w- -n-e-d-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Other Stocks and Bonds________________________________________ Banking House --------- _______________________ -- ___ ----------Furniture and Fixtures_______________________________________ _ OCathsher inReValauEltsstaatned -D--u-e--f-r-o-m---B-a-n--k-s-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-,~-----------------Checks and Cash Items --------------------------------------Advance on Commodities -------------------------------------COuthsteormeRress' oLuricaebsil_i_ty___A__c_c_o_u_n_t__o_f__"_A__c_c_e__p_t_a_n_c_e_s_"_-_-_-_-_-_-_-_-_-_--_-_-_-_-_-_- 
Total 
 
363,298,732 16 1,297,942 85 
31,002,976 20 13,726,838 18 
8,446,434 57 2,920,389 28 2,244,660 16 63,395,499 18 10,261,182 50 5,016,429 06 2,136,744 84 3,596,483 75 
507,344,312 73 
 
LIABILITIES 
 
Capital Stock Paid in -----------------------------------------$ 47,886,340 21 
 
USunrdpivluids edFuPnrdofit-s---_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__------------------------------- 
 
29,122,765 68 15,861,134 57 
 
Dividends Unpaid --------------------------------------------Due to Banks -------------------------------------------------- 
 
37,966 43 25,277,580 27 
 
Certified Checks ----------------------------- _________ ---------- 
 
280,129 11 
 
CashieFs Checks Deposits Subiect 
 
-----------------------------------------------to Check --------------------------------------- 
 
1, 700,355 167,462,983 
 
68 01 
 
Time Deposits ----------- -------------------------------------Demand Certificates of Deposit ---------------------------------- 
 
72,098,274 38 2,592,614 60 
 
Savings Deposits ________ --------------------------------------- 53,873,344 64 
 
United States Deposits -----------------------------------------Certificates of Deposit Representing Borrowed Money ------------ 
 
802,000 00 631,400 00 
 
Trust Deposits -------------------------------------------------Bills Payable --------------------------------------------------- 
 
565,581 35 46,356,434 68 
 
Rediscounts ---------------------------------------------------Liability on Letters of Credit ------------------------------------ 
 
26,281,905 99 726,360 05 
 
Reserve for Interest and Taxes ---------------------------------- 1,108,148 71 
 
National Bank Notes Outstanding ------------------------------- 10,232,000 00 
 
Acceptances ---------------------------------------------------Other Liabilities ----------------------------------------------- 
 
1,432,000 00 3,014,993 37 
 
Total ---------------------------------------------------------$507,344,312 73 
 
 ~ 
1 
 
. CO.KSOLIDATED 
 
STATEMENT OF 
 
STATE 
 
BANKS 
 
AND 
 
TRUST 
 
COMPANIES 
 
OF 
 
GEORGIA 
 
AS 
 
OF 
 
DECEMBER ' 
 
15' 1920 
 
RESOURCES 
 
17 Branch Banks 51 State Banks 566 State Banks Total All State 
 
Kon-Members Member Federal Non-Members of Banks as of Dec. 
 
Federal Reserve Reserve System Federal Reserve 
 
15, 1920 
 
Increase Over June 30, 1920. 
 
Decrease Over June 30, 1920 
 
Increase Q,:er Dec. 2, 1919 
 
Decrease o, er 
Dec. 2, 1919 
 
Time Loans ---------------~----- Demand Loans -------------------Real Estate Loans ---------------OUtnhiteerd SStotcaktess anBdonBdson-d-s-_-_-_-_-_-_-_-_-_-_-_-_ 
Banking Ilouse -------------------Furniture and Fixtures ------------ODutheerfroRmealBEansktastein -t-h->-s--S-t-a-t-e-_-_-_-_-__--_ Due from Banks in other States ___ _ ACadsvhanicne VoanulCtsom-m--o-d-i-t-ie-s---_-__-_-_-_-_-_-_--_ Checks and Cash Items ___________ _ Customers Liability on Letters of 
Credit and Acceptances ---------Overdrafts -----------------------Other Resources ------------------- 
Totals 
 
$1,222,861 32 196,549 44 181,089 43 13,345 56 3,000 00 26,725 63 19,008 48 4,364 00 564,578 30 28,635 21 63,869 04 3,437 67 9,840 49 
--6-,-2-0-2 --4-7 
20,873 77 $2,364,380 81 
 
$70,366,454 70 15,239,557 11 5,960,534 40 4,439,366 83 4,703,304 31 2,115,350 33 336,263 98 623,842 61 12,652,598 77 5,361,026 51 1,793,232 51 458,036 04 2,480,637 85 
710,838 50 122,810 85 2,044,966 28 
$129,408,821 58 
 
$122,729,705 32 16,187,574 88 21,564,405 56 6,444,263 81 5,879,533 87 3,286,358 61 1,792,116 82 1,319,453 55 10,039,322 55 5,241,390 49 4,415,845 80 4,554,955 35 2,500,704 16 
770,906 34 647,929 53 1,173,643 70 
$206,848,110 34 
 
$194,319,021 34 31,623,681 43 27,706,029 39 10,896,976 20 10,585,838 18 5,428,434 57 2,147,389 28 1,947,660 16 23,256,499 62 10,631,052 21 6,272,947 35 5,016,429 06 3,991,182 50 
781,744 84 776,942 85 3,239,483 75 
$338,621,312 73 
 
196,066 59 137,574 11 
1,432,114 92 1,038,099 95 
$2,803,855 57 
 
$4,394,454 43 4,635,915 04 2,420,533 98 8,691,976 64 1,062,985 37 166,154 64 
5, 720,661 70 3,959,734 75 
553,344 16 
374,134 12 411,869 78 671,463 79 
$33,066,228 40 
 
36,374,932 61 
374,134 12 $37,483,164 10 
 
36,374,932 61 3,912,831 80 
708,082 01 45,036,228 01 
15,520,362 04 
6, 712,044 97 7,598,530 40 $79,487,629 29 
 
LIABILITIES 
 
Capital Stock --------------------Surplus Fund --------------------Undivided Profits -----------------Dividends Unpaid -----------------Due to Banks in this State -------Due to Banks in other States ------Call Money Due Banks -----------Deposits Subject to Check ---------Demand Certificates of Deposit ----Time Certificates of Deposit -------Savings Deposits ----------------Trust Deposits -------------------Cashier's Checks -----------------Certified Checks -----------------Certificates of Deposit for Borrowed 
Money --------------------------Bills Payable --------------------Re-Discounts ---------------------Liability on Letters of Credit _____ _ Reserve for Interest and Taxes ___ _ Other Liabilities ------------------ 
Totals -------------------------- 
 
$351,000 00 61,951 27 
--------8--3--,--9--7--9 ----3--8 3,145 76 38,500 00 621,767 14 5,000 00 192,355 56 568,410 81 
------------ 
24,452 95 540 72 
---3-9-9-,-00-0---0-0 14,255 00 
--------2-2 --2-2 ------------ 
$2,364,380 81 
 
$10,131,800 00 7,473,800 00 2,426,899 64 13,788 30 6,267,636 58 2,671,807 80 81,500 00 35,872,597 02 832,951 87 4,102,341 81 
24,185,649 40 118,555 43 592,837 54 92,367 47 
364,300 00 8, 793,885 93 22,545,649 19 
704,584 80 498,004 23 1,657,864 57 
$129,408,821 58 
 
$23,752,540 21 9,678,014 41 8,604,234 93 24,178 13 1,466,524 4.8 930,540 03 1,4p0,946 24 65,012,618 85 1,754,662 73 
33,259,577 01 29,139,284 43 
447,025 92 . 652,065 19 
109,220 92 
267,100 00 25,647,548 75 
3,722,,001 80 18,775 25 
267,122 26 644,128 80 
$206,848,110 34 
 
$34,235,340 21 17,2"13,765 68 11,031,134 57 37,966 43 7,818,140 44 3,605,493 59 1,570,946 24 101,506,983 01 2,592,614 60 37,554,274 38 53,873,344 64 565,581 35 1,269,355 68 202,129 11 
631,400 00 34,840,434 68 26,281,905 99 
723,360 05 765,148 71 2,301,993 37 
$338,621,312 73 
 
182,229 14 
513,426 78 410,400 00 13,600,394 90 9,723,838 99 141,054 70 $24,571,344 51 
 
$348,093 79 
519,438 14 418,954 93 2,519,383 27 422,854 74 523,388 28 26,594,114 66 1,202,289 20 5,157,479 02 4,186,734 94 984,232 09 
181,475 71 
565,465 79 
1,380,142 Q4 
$45,004,047 40 
 
Reserve (In Vault and With BanksL----------------~---- $40,160,499 18 Reserve Required --------------------------------------- 22,581,141 55 
Excess of Legal Requirements---------------------------- $17,579,357 63 
 
$3,226,270 21 2,467,053 49 9,229 80 1,570,946 24 
35,117,987 22 $42,391,486 96 
 
15,094,601 10 
. 63,457,712 07 5,435,298 38 
$83,987,611 55; 
 
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