DEPJlRTffiENT OF BANKIN~ STATE OF ~EOR~IA JlTLANTJl 
1923 
 
 STATE CAPITOL, ATLANTA 
 
 STATE OF GEORGIA 
DEPARTMENT OF BANKING 
Created by Act Apprm'ed August 1G, 1919 
FOURTH ANNUAL REPORT 
YEAR ENDING DECEMBER 31, 1923 
DEPARTMENT E'STABLISHED An Act to create the Department of Banking of the State of Georgia, to provide for the incorporation and regulation of Banks and penalties for violations of the Law, defining duties of the Superintendent of Banks and for other purposes, was enacted by the Legislature in 1919, approved by the Governor August 16, 1919, and effective January 1, 1920. Also amended in 19,20 and 1922. Prior to that time the Institutions now under supervision of the Superintendent of Banks were supervised in the Bureau of Banking by the State Treasurer, as provided for in Laws enacted in 1890 and 1907. 
T. R. BENNETT, 
SUPERINTENDEXT OF BANKS. 
 
 4 
 
FouRTH AxxeAL REPORT 
 
DEPARTl\JEXT OF BANKING, STATE OF GEOHGIA, . :\TL\XTA. 
 
HoN. CLIFFORD \YALKER, Governor, State of Georgia, Atlanta, Ga. 
 
December 31, 1923. 
 
Dea1 Sir: 
 
As is provided for in Sections 15 and 16 of Article 2 of the Banking Act, approved August 16, 1919, effective January 1, 1920, I have the honor to submit herewith for your consideration this, the Fourth Annual Heport of the Department of Banking of the State of Georgia. 
The compilation contained in this volume is made up on the basis of call for statement showing condition at close of business December 28, 1923, of the five hundred and thirty-four Banks and Trust Companies, as well as their forty-three Branches, the Trust Companies being those having banking powers and privileges. Such Banks and Trust Companies are only those operating under charters obtained through the Secretary of State or General Assembly, which are under supervision of this Department. 
It is gratifying to note that this report discloses .splendid progress in the financial structure of our State. An increase in total assets of about $32,000,000.00, total of same now being $312,450,000.00; increases of capital, $1,101,670.00; of surplus, $1,540.000.00; of undivided profits, $1,086,000.00; and deposits, $24,869,000.00. 
A careful perusal of this report will show how quickly Georgia can recover from a period of depression, for certainly our State has had all of the unfortunate setbacks during the past four years that could befall any section of our country. 
 
 DEPAltT:UEXT OF BANKING 
 
5 
 
One of the requirements of our Banking Code is that the Executive of this Department submit such amendments as to him may seem good for banks, and a protection for their clientele. Therefore, the following, some of which have been recommended in former reports, are regarded as good, and I reconnnend them : 
 
Amend the following sections: 
Article 1, Section 3.-,-Limit number of branches and adjust directorate. 
Article 3, Section 2.-Amend so as to provide that the Department of Banking may classify the assets for the purpose of determining as to "hether or not they are good, doubtful, or worthless. Also, to provide that when deemed advisable the Department may require complete audit of bank by approved auditor or expert accountant. Adjust fees for examination of the larger institutions. 
Article 7.-Provide some record or notice of possession in clerk's office of the county where bank is located. 
Section 19.-:Merge Sub-Section 5 with Sub-Section 7, and make 
contents of Sub-Section 4 the first in order of payment, and insert dearing section to construe certain obligations now included in SubSection 6. Provide that funds derived from assessment of stockholders shall go only to depositors holding no security and having no preference. 
Article B.-Provide that bank and trust company charters may be perpetual, but subject to other limitations of this Article. 
Section 6.-Provide for a larger directorate for institutions having capital of $1,000,000.00 or more. 
Article 19, Section 27.-Establish reserve cities. Article 20.-Correct Section 34 declared unconstitutional by Supreme Conrt. 
 
An act providing for the incorporation, regulation, and supervision 
 
of Trust Companies, so that when banks by amendment obtain trust 
 
company powers and privileges, such regulation and supervision can 
 
be properly exercised. 
 
A careful analysis of the schedules contained in this volume will give the reader a deep insight into the activities of Georgia Banks, and 
 
it discloses not only a conservative trend, but a sound and gradual 
 
improvement. 
 
Respectfully submitted, 
 
T. R. BENNETT, 
 
Superintendent-of Banks. 
 
 6 
 
FouRTH Axxt:AL HEPOI{~ 
 
OFFICIAL ROSTER 
December 31, 1923. 
 
T. R. BENNETT, Superintendent of Banks. 
E. A. THOMPSON, Assistant Superintendent of Banks. 
 
EXAMINERS 
 
X ame 
 
Salary Per ~Ionth 
 
Cagle, Joseph E. ________________ $200.00 
 
Douglass, E. B. _________________ 200.00 
 
Edge, J. H. ____________________ 200.00 
 
Gunby, R. B. ____________________ 200.00 
 
Kincaid, B. J. __________________ 200.00 
 
Kitchen, A. B. __________________ 200.00 
 
Lloyd, W. D. ___________________ 200.00 
 
l\fcRae, L. IY. __________________ 200.00 
 
Mell, R. S. _____________________ 200.00 
 
Sasser, J. B. ____________________ 200.00 
 
Sisk, :M. E. ____________________ 200.00 
 
Stubbs, E. A. ___________________ 200.00 
 
OFFICE ASSISTANTS 
 
Name 
 
Salary Per :Month 
 
Douglass, P. M. _________ _: _______ $166.67 
 
.McLennan, Miss Adelaide _________ 115.00 
 
Webb, Miss Ruth ________________ 115.00 
 
Webb, Miss Ruby_______________ 115.00 
 
Peek, J\iiss Nellie J\Iay___________ 85.00 
 
 PEPARTi\lENT OF BAXKL'iG 
 
7 
 
DEPARTMENT OF BANKING, STATE OF GEORGIA Condensed Statement-Rece~pts and Disbursements From January 1, 1923, to December 31, 1923 
 
Receipts: 
Balance on hand J annary 1, 1926'_______________ $ 2,973.84 Fees Collected ____________________$58,652.84 
Refunds from banks in process of Liquidation __________________ 12,563.38 
Refunds from advances on expense account ____________________ _ 1,18:3.78 
Interest on balances ______________ _ 16.58 
 
Total Receipts ------------------- 
 
7'2,416.58 
 
Total ______________________________________ $75.390.42 
 
Disbursemen is: 
Salaries _____ ---------- __________ $41,357.12 Expenses of Examiners ____________ 19,428.29 Miscellaneous Traveling Expenses____ 1,080.77 Office l\aintenance ________________ 7,540.97 
 
Total Disbursements _____________ _ Detail Cash Balance on Dec. 31, 1923 
 
$69,407.15 5,983.27 
 
Total ---------------- ____ --------------- ___ $75,390.42 
 
 - 
 
8 
 
FouRTH ANNUAL REI'OHT 
 
AMENDMENTS TO CHARTERS GRANTED TO INCREASE CAPITAL DGRING THE YK\R 1923. 
(THREE) 
 
NAME OF BANK 
 
LOCATION 
 
DATE APPROVED 
 
AMOUNT OF INCREASE 
 
Trust Company of Georgia Atlanta _____ Jan 1, 1923 From $1,000,000 to $2,500,000 Farmers State Bank_____ Lumpkin ___ )Feb. 2, 1923 From 15,000 to 25,000 Citizens Trust Company__ S'avannah __.!Mar. 30, 1923 From 200,000 to 300,000 
I 
 
AMENDMENTS TO CHARTERS GRANTED TO DECREASE CAPITAL STOCK. 
 
(SEVEN) 
 
NAME OF BANK 
 
J LOCATION APPDRAOTVEED 
 
AMOUNT OF DECREASE 
 
Bank of Buckhead------- Buckhead ___ Mar. 2, 
 
Commerce Bank & Tr. Co. Commerce _ May 3, 
 
Citizens Bank of Forsyth_ Forsyth _____ Dec. Citizens Bank__ ~--------- Ludowici ---!Aug. 
 
5, 13, 
 
Newnan Bank & Trust Co. Newnan ___ ,,June 24, Peoples Bank _____________ Oliver ------~Feb. 10, 
 
Bank of Rutledge ________ Rutledge ----Dec. 5, 
 
1923 From$ 1923 From 1923 From 1923 From 1923 From 1923 From 1923 From 
 
25,000 to $ 100,000 to 
80,000 to 25,000 to 400,000 to 30,000 to 50,000 to 
 
15,000 50,000 40,000 15,000 200,000 15,000 25,000 
 
A]\.IIEND:MENTS GRANTED TO CHANGE CORPORATE N A:ME. 
 
(ONE) 
 
NAME OF BANK 
 
LOCATION 
 
DATE APPROVED 
 
TO BE KNOWN 
 
Trust Company of Georgia Atlanta _____ Jan. 1, 1923 Lowry Bank and Trust Co. of Georgia. 
1 
 
RENEWAL OF CHARTERS GRANTED. 
 
(THREE) 
 
NAME OF BANK 
 
1 j-A_P_~_~_J_~_E_D_ LOCATION 
 
_ _ _ _P_E_R_IO_D_ _ __ 
 
Bank of Louisville________ Louisville __ Apr. 11, 1923 Bank of Millen ___________ Millen ----- Apr. 21, 1923 Farmers & Merchants Bank Thomaston -1Apr. 3, 1923 
 
Thirty years. "" 
 
 DEPARTMEN'J' OF BANKING 
 
9 
 
CHARTERS GRANTED IN YEAR 1923. (FOUR) 
 
NAME OF BANK 
 
LOCATION 
 
CAPITAL STOCK 
 
The Citizens Bank_______ Marietta ----$ Citizens State Bank______ Reynolds ____ Richland State Bank_____ \Richland ___ Social Circle Bank_______ Social Circle. 
 
50,000.00 15,000.00 50,000.00 25,000.00 
 
DATE APPROVED 
Jan. 21, 1923 Sept. 8, 1923 May 9, 1923 Dec. 27, 1923 
 
MISCELLANEOUS AMENDMENTS TO CHARTERS. (ONE) 
 
NAME OF BANK 
 
LOCATION 
 
DATE APPROVED 
 
NATURE OF APPLICATION 
 
Farmers Bank____________ Pelham ----(une 25, 1923 Secure Trust Co. Powers and Privileges. 
I 
STATE BANKS AND TRUST COMPANIES MERGED. (EIGHT) 
 
NAME OF BANK 
 
LOCATION 
 
DATE 
 
NATURE OF ACTION 
 
Alpharetta Bank_________ Alpharetta --May 12, Citizens Bank____________ Barnesville _July 5, 
Carrollton Bank --------- Carrollton -- Mar. 5, 
Farmers & Merchants Bk. Jesup ____ _,_ Jan. 
Maysville Bank___________ Maysville --- Apr. 20, 
Bank of Midville---------1 
J,Midville ___ May 15, 
Farmers & Merchants Bk. 
 
1923 Merged with Milton Co. Bank, Alpharetta. 
1923 Merged with National Bank, Barnesville. 
1923 Merged with First. National Bank, Carrollton. 
1923 Merged with Brunswick Bank and Trust Co., Brunswick. 
1923 Merged with Georgia State Bank, Atlanta. 
1923 Merged with Georgia State Bank, Atlanta. 
 
Citizens State Bank______ Reynolds ---"Aug. 17, 1923 Merged with Reynolds Bank- 
 
-----1 . Citizens Bank____________ Vidalia 
 
IApr 
 
20, 
 
ing Co., Reynolds. 1923 Merged with Georgia State 
 
Bank, Atlanta. 
 
BANKS VOLUNTARILY LIQUIDATING (SEVEN) 
 
NAME OF BANK 
 
LOCATION 
 
Canon Bank_____________ ------------ ____________ -------- Canon Clermont State Bank____________________________________ Clermont Bank of Harrison _______________________________________ Harrison Bank of Jakin ___________________________________________ Jakin 
 
FBaarnmkeorsf 
 
BSaalnek 
 
CitY--------~-----------------------------___________________________________ -------- 
 
TSaiglen 
 
aCllity 
 
Farmers Bank___________________________________________ Zebulon 
 
 BANKS AND TRUST COMPANIES UNDER THE SUPER- 
 
f-" 0 
 
VISION OF THE DEPARTMENT OF BANKING. 
 
(579) 
 
NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
BEGAN BUSINESS 
 
Bank of Abbeville____________________ Abbeville_____________________________ Oct. Bank of Acworth ____________________ Acworth_____________________________ Oct. 
 
6, 1904 31, 1905 
 
S. Lemon Banking Co. _______________ Acworth_____________________________Dec. 18, 1906 
 
Bank of Adairsville __________________ Adairsville- __________________________ March 21, 1899 
 
Bank of AdeL _______________________ Adel;--- __ ~ ____________________________ Nov. 30, 1901 
 
First Bank of Cook County__________ AdeL ________________________________ June 3, 1919 
 
Bank of Adrian _________________ . ____Adri,an _______________________________ Nov. 20, 1911 
 
Bank of Alapaha_____________________ Alapaha______________________________ March 4, 1905 
 
Albany Trust & Banking Co. ________ Albany_______________________________ June 13, 1905 
 
Alma State Bank____________________ Alma _________________________________ April 1, 1920 
 
Milton County Bank_ ________________ Alpharetta___________________________ Dec. 
 
5, 1910 
 
Bank of Commerce___________________ Americus_____________________________ Oct. 13, 1891 
 
Planters Bank_______________________ Americus_____________________________ Oct. 13, 1891 
 
Empire Bank_________________________ Americus_____________________________ March 18, 1922 
 
Bank of Apalachee __________________ Apalachee ___________________________ Aug 26, 1919 
 
Bank of Arlington ___________________ Arlington____________________________ Jan. 17, 1901 
 
Bank of Arnoldsville_________________ Arnoldsville __________________________ Oct. 13, 1919 
 
Ashburn Bank_______________________ Ashburn_____________________________ July 
 
3, 1900 
 
Citizens Bank _______________________ Ashburn_____________________________ July 27, 1905 
 
Turner County Bank________________ Ashburn____________________________ Feb. 20, 1912 
 
American State Bank________________ Athens_______________________________ Dec. 
 
2, 1902 
 
Athens Savings Bank_______________ Athem;_______________________________ Oct. 19, 1885 
 
Commercial Bank ___________________ Athens_______________________________ Sept, 29, 1891 
 
American Savings Bank______________ Atlanta ______________________________Dec. 27, 1886 
 
Atlanta Commercial Bank___________ Atlanta ______________________________ May 12, 1916 
 
Atlanta Trust Company_____________ Atlanta ______________________________ Aug. 19, 1910 
 
Citizens Trust Co. ___________________ Atlanta ______________________________ Aug. 15, 1921 
 
City Savings Bank____________________ Atlanta ______________________________ May 20, 1919 
 
Colonial Trust Company____________ Atlanta______________________________ Oct. 22, 1912 
 
East Atlanta Bank___________________ Atlanta ______________________________ Nov. . 15, 1910 
 
Farmers & Traders Bank____________ Atlanta ______________________________ Sept. 25, 1900 
 
Georgia Savings Bank & Trust Co. __Atlanta______________________________ Oct. 26, 1889 
 
Georgia State Bank_________________ Atlanta ______________________________ May 12, 1922 
 
Lakewood Bank _____________________ Atlanta ____________________________ __ Nov: 17, 1920 
 
Lowry Bank & Trust Co. of Ga. _____ Atlanta ______________________________Nov. 27, 1922 
 
Security State Bank_________________ Atlanta ______________________________ Aug. 31, 1911 
 
Georgia Railroad Bank______________ Augusta _____________________________ Nov. 
 
5, 1892 
 
Oct. 25, 1904 
 
Dec. 19, 1905 
 
Jan. 
 
1, 1907 
 
March 24, 1899 
 
1901 
 
June 10, 1919 
 
Dec. 
 
7, 1911 
 
April June 
 
1, 1905 1905 
 
~ 0 
 
April 
 
1920 
 
c 
 
Jan. Jan. 
 
26, 1911 1892 
 
Pd >-3 p:; 
 
March Sept. 
 
1892 20, 1922 24, 1919 
1901 
 
p... zz 
q 
 
Sept. 29, 1919 July 14, 1900 
 
p. 
r 
 
Oct. 25, 1905 
 
March 
 
1912 
 
!:d 
1:'1 
 
Jan. 
 
2, 1903 1892 
 
'tl 0 
~ 
 
1891 
 
>-3 
 
1887 
 
May 15, 1916 
 
Sept. 
 
1910 
 
Aug. 17, 1921 
 
June 6, 1919 
 
Oct. 24, 1912 
 
March 15, 1911 
 
Oct. 
 
1900 
 
Sept. 1, 1899 
 
May 15, 1922 
 
Dec. 
 
8, 1920 
 
Dec. 
 
1911 31, 1892 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
Union Savings Bank_________________ Augusta _____________________________ Sept. Austell Bank ________________________ AustelL _____________________________ Jan. Bank of Baconton___________________ Baconton____________________________ Apr. Bainbridge State Bank______________ Bainbridge___________________________ Feb. Decatur County Bank. ______________ Bainbridge___________________________ Dec. Citizens Bank & Trust Co. __________ Bainbridge__ ._________________________ Feb. Baldwin State Bank _________________ Baldwin _____________________________ Nov. Ball Ground Bank.. __________________ Ball Ground ________________________ May Barnesville Bank ____________________ Barnesville___________________________ Sept. Bartow Bank ________________________ Bartow______________________________ Dec. Bank of Barwick_____________________ Barwick______________________________ Jan. Baxley State Bank___________________ Baxley _______________________________ Aug. Bishop Banking Co. _________________ Bishop_______________________________ Oct. Blackshear Bank ____________________ Blackshear______ __________________ Sept. Citizens Bank _______________________ Blakely______________________________ March 
Fannin County Bank_______________ Blue Ridge ___________________________May Farmers Bank _______________________ Blythe ____________________ . ___ ... __ ... Aug. Farmers Bank _______________________ Bogart _______________________________ Aug. Bank of Boston______________________ Boston_______________________________ Dec. 
Farmers & Merchants Bank ______ c __ Boston_______________________________ Sept. Bank of Bostwick ____________________ Bostwick _____________________________ Oct. Bank of Bowdon_____________________ Bowdon .. ____________________________ Oct. Bank of Bowersville _________________ Bowersville __________________________ Dec. Bank of Bowman_______ .. _________ .. __ Bowman ______________ . ______________ Feb. Bank of Bradley_____________________ Bradley______________________________ Sept. Bank of Bremen _____________________ Bremen _______________________________ March Farmers Bank_. _____________________ Bremen ______________________________ Aug. 
Farmers & Merchants Bank_________ Brewton_____ .. ________________________ May Citizens Bank _______________________ Brinson______________________________ Dec. Bank of Brooklet____________________ Brooklet _____________________________ May Brooks Bank_________________________ Brooks________________________________ Aug. 
Brunswick Bank & Trust Co.________ Brunswick______ . ____________________ Sept. Farmers & Citizens Bank____________ Buchanan ___________________________ Aug. Haralson County Bank______________ Buchanan ___________________________March Bank of Buckhead___________________ Buckhead. _________________________ .. _July 
Buena Vista Loan & Savings Bank__ Buena Vista _________________________ Sept. Bank of Buford______________________ Buford ______________________________ Jan. 
Shadburn Banking Company________ Buford__________ .. ____________________ Jan. Bank of Bullochville_________________ Bullochville__________________________ Aug. Citizens Bank _______________________ Bullochville__________________________ Oct. Butler Banking Company___________ Butler _____________________________ May Taylor County Bank_________________ Butler _______________________________ March 
 
22, 1891 3, 1910 23, 1907 1, 1901 26, 1905 17, 1920 7, 1907 10, 1918 
8, 1908 11, 1902 23, 1906 27, 1917 2, 1905 11, 1891 23, 1918 28, 1916 28, 1909 30, 1910 7, 1905 14, 1891 26, 1911 14, 1905 14, 1906 2, 1905 22, 1920 23, 1903 
8, 1911 26, 1910 17, 1910 12, 1907 8, 1907 11, 1899 
8, 1911 
3, 1909 9, 1906 22, 1889 20, 1893 23, 1901 28, 1905 12, 1920 20, 1912 
18, 1919 
 
BEGAN BUSINESS 
 
Jan. Jan. May 
 
3, 1892 10, 1910 
1907 
 
Dec. 
May Sept. Jan. Feb. Aug. Oct. July 
 
19, 1911 
1907 10, 1918 17, 1908 1, 1903 
6, 1906 1917 1905 
.7, 1892 
 
June Sept. 
Oct. March March 
Nov. 
 
6, 19Hl 3, 1909 10, 1910 5, 1906 
1902 1, 1911 
 
Jan. Marcb Oct. March Sept. July 
Dec. 
 
1. 1907 6, 1905 20, 1920 25, 1903 12, 1911 6, 1910 22, 1910 
 
Sept. 
Sept. March Sept. Sept. Feb. Feb. Oct. Oct. May April 
 
1907 
1899 1911 4, 1909 3, 1906 1889 1, 1893 11, 1901 21, 1905 20, 1920 24, 1921 16, 1919 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
Farmers Bank _______________________ Byron_______________________________ .Dec. 
Bank of Byromville __________________ Byromville ___ .. _____________________ July Cadwell Banking Company__________ Cadwell ___ c Jan. __________________________ Cairo Banking Company________ . ____ Cairo______________ . ___ . _______________ Nov. Citizens Bank______________ . _____ . __ Cairo_____________ . _____ ._. __ . __ . _____ Dec. Farmers & Merchants Bank_________ Cairo.._________ . _______ . ___ ... _. _____ Nov. Peoples Bank_______________________ Calhoun _____________ . ___ . __ . _______ .Nov. Bank of Camilla _____________________ Camllla _____________________________ .Nov. 
Planters & Citizens Bank ___________ Camilla _____________________________ .May Farmers Bank_______________________ Canon ______________ . _____ . ___ . ______ Nov. 
Bank of Canton _____________________Canton ___________ . ________ . __ . ______ Sept. Bank of Cherokee. __________________ Canton __________________ ._._._. ____ .July Carlton Bank________________________ Carlton_____________________________ .March Planters Bank______________________ .Carlton_____________________________ .March 
Bank of Franklin County ___________ Carnesville..__________________________ March Citizens Bank________________________ Carrollton. _________________________ .Jan. Peoples Bank________________________ Carrollton ___________________________ Nov. 
Bank of Cartersville_________________ Cartersville_________________________ Sept. Bank of Cassville ____________________ Cassville __ c May __________________________ Bank of Cave Spring_________________ Cave Spring_________________________ .Oct. Commercial Bank____________________ Cedartown___________________________ Oct. Farmers & Merchants Bank _________ Charing______________________________Sept. Cohutta Banking Co. ________________ Chatsworth_________________________ July Bank of Chauncey___________________ Chauncey____________________________ Oct. 
Chester Banking Company__________ Chester____________________ . ____ . ___ .March Bank of Chickamauga_______________ Chickamauga___________ .. ___________ Feb. Farmers & Merchants Bank _________ Chipley______________________________March Habersham Bank____________________ Clarkesville __________________________ May Claxton Bank________________________ Claxton______________________________ April Citizens Bank. _____________________ .Claxton______________________________ July Bank of Clayton____________________ .Clayton____________________________ ..June 
Clermont Banking Company_______ .Clermont. _____________________ . _____ .June Farmers & Merchants Bank. _______ Cleveland.... _________________________ Oct. White County Bank _________________ Cleveland____________________________ Sept. Farmers Bank ____________________ .... Climax_____________________________ .. Oct. Citizens Bank _______________________ Cochran.. ___________________________ Dec. 
Bank of Cobbtown ________________ ..Cobbtown. __________________________ Nov. Cochran Banking Co.________________ Cochran ____________________________ .March State Bank__________________________ .Cochran___________________________ .. Dec. 
Bank of College Park_______________ College Park _________________________ Nov. Bank of Collins ______________________ Collins_______________________________ Oct. 
Madison County Bank.______________ Colbert .. __________________________ .. Oct. 
 
2, 1909 16, 1920 10, 1910 23, 1903 3, 1903 7, 1910 3, 1905 4, 1889 24, 1913 3, 1919 18, 1922 5, 1910 15, 1903 11, 1912 16, 1906 26, 1906 16, 1909 11, 1895 16, 1912 25, 1905 16, . 1889 
28, 1912 17, 1905 11, 1905 26, 1909 16, 1910 22, 1909 13, 1904 24, 1903 18, 1919 30, 1904 13, 1912 16, 1913 22, 1909 8, 1912 31, 1912 30, 1906 9, 1899 22, 1921 10, 1910 4, 1905 15, 1919 
 
BEGAN BUSINESS 
 
Jan. July Feb. Nov. Jan. Nov. 
Jan. 
 
3, 1910 26, 1920 15, 1910 23, 1903 
1, 1904 10, 1910 
1905 2, 1890 
 
Jan. Dec. 
March Dec. March Feb. Dec. Sept. June Nov. Dec. Nov; Jan. Oct. April May April 
 
29, 1920 1892 
1910 15, 1903 11, 1911 20, 1906 10, 1906 1, 1909 12, 1895 3, 1912 7, 1905 11, 1889 6, 1912 
24, 1906 1905 
-1, 1909 
? 1910 19, 1909 
 
July Sept. July .Feb. 
Nov. Oct. Oct. 
 
1903 8, 1919 1, 1904 
1913 1913 4, 1909 15, 1912 
 
March 9, 1899 
 
.Tan. 
 
5, 1922 
 
Nov. 10, 1910 
 
 NAUE OF BANK 
 
LOCATION 
 
CHARTERED 
 
Colquitt Exchange Bank ____________ Colquitt_ __________________________ Feb. 
 
Columbus Savings Bank & Trust Co._Columbus ____________________________ Dec. 
 
Columbus Loan & Banking Co.______ Columbus ___________________________ May 
 
Home Savings Bank _________________ Columbus _____________________________ Dec. 
 
Merchants & Mechanics Bank_______ Columbus ___________________________ Dec. 
 
Muscogee Bank______________________ Columbus ____________________________ Dec. 
 
Phoenix Bank________________________ Columbus ________________ c ___________ Sept. 
 
Comer Bank _________________________ Comer____________________________ c ___ Jan. 
 
Peoples Bank________________________ Comer_______________________________ .March 
 
Commerce Bank & Trust Co. ________ Commerce_________________________ c __ Sept. 
 
Northeastern Banking Company____ Commerce____________________________ Aug. 
 
Concord Banking Co. _______________ Concord_____ _____________________ Oct. 
 
Bank of Conyers_____________________ Conyers___ _____ ______ 
 
_______ Nov. 
 
Bank of Rockdale___________________ Conyers_____ 
 
___________ Oct. 
 
Farmers & Merchants Bank_________ Coolidge_____ 
 
_______________ Dec. 
 
American Bank & Trust Co.____ ___ Cordele______ __ _______ 
 
_____ Jan. 
 
Citizens Bank ______________________ Cordele _____________________________ Sept. 
 
Exchange Bank__ ______________ ____ Cordele ______________________________ Nov. 
 
Cornelia Bank_______________________ Cornelia ___________________________ July 
 
Bank of Covington_____________ ___ Covington ___________________________ April 
 
Bank of Newton County _____________ Covington __________________________ Jan. 
 
Farmers Banking Company____ _Covington______ 
 
___________ April 
 
Bank of Taliaferro_________ 
 
_Crawfordville____ __________________ Nov. 
 
Bank of Crawfordville___ 
 
_Crawfordville 
 
___________ Feb. 
 
Citizens Banking Co.___ 
 
_______ Culloden______ ____________________ Dec. 
 
Bank of Cumming__ 
 
__Cumming __________________________ Oct. 
 
Bank of Cusseta___________ _____ Cusseta______________________________ May 
 
Bank of Cuthbert __________________ Cuthbert ____________________________ Sept. 
 
Georgia Bank & Trust Co.___________ Cuthbert ____________________________ Jan. 
 
Dacula Banking Company___________ Dacula_________ 
 
___________ Aug. 
 
Bank of Dahlonega __________________ Dahlonega_____ 
 
___________ May 
 
Bank of Lumpkin County____ _ _Dahlonega___ 
 
__________ Nov. 
 
Commercial Bank___________________ Dallas ______________________________ Jan. 
 
Bank of Dalton_________________ __Dalton_________________ 
 
____ Nov. 
 
Hardwick Bank & Trust Co. _________ Dalton_______________________________ Feb. 
 
Bank of Kestler____________ 
 
___ Damascus__________ __________________ Nov. 
 
Bank of Danielsville____ __ __ ___ Danielsville __________________________ Dec. 
 
Bank of Danville___________ 
 
_Danville ______________________________ Aug. 
 
Darien Bank_______________ ______ Darien___ 
 
_______________ Dec. 
 
Merchants & Farmers Bank__ 
 
.Davisboro _ 
 
__________________ Nov. 
 
Planters State Bank_______ 
 
_Davisboro_________________________ Oct. 
 
Bank of Dawson____ 
 
_Dawson___ 
 
____________________ June 
 
21, 1917 24, 1888 29, 1914 31, 1888 19, 1871 20, 1913 
6, 1905 23, 1900 25, 1907 9, 1919 25, 1891 29, 1903 25, 1904 15, 1891 18, 1911 28, 1919 11, 1899 29, 1905 3, 1900 10, 1901 17, 1905 23, 1920 18, 1907 23, 1899 26, 1923 11, 1904 2, 1907 27, 1887 1, 1917 31, 1909 28, 1914 7, 1911 28, 1907 26, 1911 17, 1922 3, 1905 11, 1907 19, 1905 8, 1888 4, 1905 7, 1911 29, 1911 
 
BEGAN BUSINESS 
 
June April June April Oct. Jan. Nov. Feb. 
Oct. Jan. Nov. Dec. June 
 
1, 1917 1889 
1, 1914 1903 
3, 1872 1914 1905 
2, 1900 1907 
1, 1919 1892 
18, 1903 19, 1904 
1901 
 
Jan. Sept. Jan. Aug. 
Feb. May Jan. Oct. 
 
29, 1919 11, 1899 1, 1906 4, 1900 
1901 1, 1905 4, 1920 1, 1908 1, 1899 
 
Oct. June Nov. Jan. Sept. June 
Feb. Oct. Feb. Nov. Jan. Aug. Jan. Nov. 
Ju1y 
 
1904 1907 1, 1890 2, 1917 27, 1909 1, 1914 1911 8, 1907 21, 1912 20, 1922 3, 1905 15, 1908 1905 1889 1905 1911 1, 1911 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
First State Bank_____________________ Dawson______________________________ Aug. 
 
Bank of Dearing _____________________ Dearing______________________________ June 
 
Decatur Bank & Trust Co. __________ Decatur_____________________________ Sept. 
 
Dexter Banking Company____________ Dexter_______________________________ Jan. 
 
Bank of Doerun _____________________ Doerun ______________________________ June 
 
Farmers Bank _______________________ Doerun ______________________________ Nov. 
 
Bank of Donalsonville_______________ Donalsonville_________________________ Jan. 
 
Planters Bank_______________________ Donalsonville________________________ June 
 
Union Banking Company____________ Douglas ______________________________ Dec. 
 
Douglasville Banking Co. ____________ Douglasville _________________________ Dec. 
 
Bank of Dover_______________________ Dover________________________________ July 
 
Dublin-Laurens Bank _______________ Dublin______________________________ Jan. 
 
Southern Exchange Bank ___________ Dublin_____________________________ Nov. 
 
Bank of Dudley_____________________ Dudley_____________________________ Oct. 
 
Bank of Duluth______________________ Duluth_______________________________ Nov. 
 
Farmers & Merchants Bank _________ Duluth______________________._________ Nov. 
 
Bank of Eastman____________________ Eastman_____________________________ Dec. 
 
Citizens Banking Co. ________________ Eastman_____________________________ Feb. 
 
Bank of East Point __________________ East Point ___________________________ Feb. 
 
Middle Georgia Bank________________ Eatonton ____________________________ Dec. 
 
Farmers & Merchants Bank _________ Eatonton ___________________________ Oct. 
 
Bank of Edison ______________________ Edison ______________________________ Sept. 
 
Bank of Elberton____________________Elberton_____________________________ Jan. 
 
Elbert Loan & Savings Bank_________ Elberton_____________________________ Dec. 
 
Bank of Ellaville____________________Ellaville_______________________________ Sept. 
 
Council Bank_______________________ Ellaville ______________________________ Dec. 
 
Bank of Ellenton ____________________Ellenton _____________________________ Aug. 
 
Bank of Ellenwood _________________ Ellenwood ___________________________ March 
 
Bank of Ellijay ______________________ Ellii ay _______________________________ May 
 
Bank of Enigma ____________________ Enigma ______________________________ March 
 
Bank of Eton________________________Eton _______________________________ May 
 
Bank of Campbell County 
 
__ Fairburn_____________________________ Nov. 
 
Fairburn Banking Company ________ Fa.<rburn_ ___ ______ ________ 
 
_____ Dec. 
 
Fair Mount Bank ____________________ Fair Mount __________________________ Oct. 
 
Farmers & Merchants Bank _________ Fayetteville _________________________ Feb. 
 
Bank of Finleyson___________________ Finleyson ____________________________ Sept. 
 
Bank of Flovilla______________________ Flovilla_____________________________ Oct. 
 
Bank of Flowery Branch ____________ Flowery Branch _____________________ Aug. 
 
Citizens Bank _______________________ Folkston_____________________________ Dec. 
 
Bank of Forsyth . ___________________ Forsyth______________________________ oct. 
 
Citizens Bank _______________________ Forsyth______________________________ Feb. 
 
Farmers Bank_______________________ Forsyth______________________________ March 
 
27, 1887 7, 1911 3, 1906 18, 1904 6, 1902 18, 1909 7, 1903 12, 1915 
27, 1898 23, 1886 
5, 1912 7, 1899 11, 1914 2, 1905 10, 1910 29, 1910 28, 1918 8, 1901 28, 1906 4, 1890 13, 1922 24, 1904 16, 1893 24, 1886 10, 1910 5, 1917 31, 1911 18, 1912 21, 1914 20, 1920 23, 1910 16, 1911 28, 1904 27, 1913 16, 1906 10, 1910 2, 1906 10, 1904 11, 1911 22, 1887 17, 1920 9, 1910 
 
BEGAN BUSINESS 
 
Sept. June Nov. 
May 
 
2, 1887 15, 1911 2, 1906 
1904 10, 1902 
 
Feb. July 
Jan. 
 
3, 1903 22, 1915 
1899 
 
July Aug. 
Nov. 
 
1912 31, 1922 
1914 1905 
 
Feb. Jan. Feb. 
Eeb. Nov. Oct. 
Sept. Jan. Sept. March June March Sept. Nov. 
Nov. March Sept. Nov. Aug. Jan. Oct. March April 
 
1, 1911 2, 1919 
1901 1906 1891 15, 1922 1904 1893 1887 16, 1922 2, 1918 25, 1911 18, 1912 1, 1914 22, 1920 1, 1910 27, 1911 1904 5, 1913 13, 1906 1910 1, 1906 15, 1904 4, 1912 22, 1887 2, 1920 1910 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
Monroe County Bank _______________ Forsyth______________________________ Nov. Bank of Fort Gaines _________________ Fort Gaines__________________________ Sept. Union Savings Bank _________________ Fort Gaines __________________________ July Citizens Bank _______________________ Fort Valley __________________________ Jan. Exchange Bank _____________________ Fort Valley __________________________ Dec. Bank of Heard County______________ Franklin_____________________________ Oct. Peoples Bank________________________ Franklin_____________________________ Aug. Citizens Bank _______________________ Gainesville ___________________________ May 
State Banking Company_____________ Gainesville ___________________________ Dec. Farmers & Merchants Bank_________ Garfield______________________________ Jan. Bank of G.ibson______________________ Gibson______________________________ Nov. Bank of Girard ______________________ Girard _______________________________ April 
Farmers & Merchants Bank_________ Girard_______________________________ Aug. Glennville Bank _____________________ Glennville____________________________ Jan. Peoples Bank________________________ Glennville____________________________ Aug. Farmers Bank ______________________ Glenwood ____________________________ Nov. 
Farmers & Merchants Bank _________ Gordon ______________________________ June Bank of Grantville___________________ Grantville____________________________ July 
Merchants & Farmers Bank_________ Grantville___________________________ March Bank of Gray________________________ Gray_________________________________ Aug. 
Bank of Graymont___________________ Graymont ____________________________ April Bank of Grayson ____________________ Grayson _____________________________ July Greenville Banking Co. ______________ Greenville____________________________ Oct. Peoples Bank________________________ Greenville ____________________________Aug. Griffin Banking Co. __________________ Griffin _______________________________ Oct. 
Merchants & Planters Bank ________ Griffin _______________________________ Feb. Savings Bank of Griffin______________ Griffin _______________________________ Oct. Effingham County Bank_____________ Guyton ______________________________ Apr. Jones County Bank _________________ Haddock_____________________________ July Bank of Hahira ______________________ Hahira _______________________________ Jan. Citizens Bank _______________________ Hahira ______________________________ Dec. Bank of Hamilton ___________________ Hamilton ____________________________ Jan. Bank of Hampton ___________________ Hampton ____________________________ Dec. Bank of Hapeville____________________ Hapeville_____________________________ Jan. Bank of Columbia County___________ Harlem_______________________________ Nov. Hartwell Bank_______________________ HartwelL ___________________________ Aug. Planters Bank_______________________ Hawkinsville_________________________ Feb. Bank of Hazlehurst _________________ Hazlehurst_ _________________________ Oct. Bank of Helen _______________________ Helen ________________________________ July Citizens Bank ______________________ Helena _______________________________ Oct. Bank of Hiawassee __________________ Hiawassee ___________________________ June Bank of Hillsboro____________________ Hillsboro_____________________________Aug. 
 
2, 1908 ') 1889 
30: 1910 10, 1910 28, 1888 14, 1905 18, 1906 19, 1913 27, 1886 9, 1911 
7, 1905 27, 1906 10, 1920 18, 1905 26, 1907 5, 1906 10, 1910 1, 1901 15, 1919 23, 1909 27, 1901 11, 1906 10, 1887 17, 1905 26, 1870 28, 1876 11, 1889 8, 1904 14, 1905 22, 1906 16, 1912 18, 1905 17, 1902 11, 1911 29, 1909 23, 1887 26, 1896 19, 1906 4, 1913 2, 1905 15, 1909 23, 1911 
 
BEGAN BUSINESS 
 
July 
 
1890 30, 1910 
 
Oct. Sept. June 
Feb. Nov. July Oct. Jan. Sept. Nov. July July May Aug. May Aug. Aug. Sept. Oct. July 
Apr. July Feb. Feb. 
 
18, 1905 5, 1906 
1913 1887 16, 1911 27, 1905 30, 1906 9, 1920 18, 1905 1, 1907 10, 1906 1919 1901 22, 1919 28, 1909 5, 1901 30, 1906 1891 27, 1905 26, 1870 1, 1889 1890 1904 25, 1905 15, 1906 1913 1905 
 
Jan. Dec. 
March Oct. July Oct. July Aug. 
 
17, 1911 13, t909 
1887 1896 1906 4, 1913 1905 21, 1909 30, 1911 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
BEGAN BUSINESS 
 
Hinesville Bank______________________ Hinesville ___________________________ Sept. 4, 1911 
 
Nov. 15, 1911 
 
Bank of Hiram_______________________ Hiram________________________________March 5, 1907 
 
1907 
 
Hogansville Banking Co. ____________ Hogansville __________________________ April 6, 1904 
 
April 21, 1904 
 
Banks County Bank _________________ Homer_ ___________ c Nov. __________________ 
 
25, 1910 
 
Dec. 29, 1910 
 
Bank of Homerville __________________ Homerville ___________________________ May 
 
6, 1903 
 
May 
 
6, 1903 
 
Clinch County Bank_________________ Homerville ___________________________ Sept. 2, 1919 
 
Sept. 10, 1919 
 
Bank of Hoschton ___________________ Hoschton ____________________________ May 
 
3, 1904 
 
May 
 
4, 1904 
 
Peoples Bank________________________ IdeaL _______________________________March 26, 1920 
 
March 30, 1920 
 
Bank of Ila __________________________ Ila ___________________________________ Oct. 11, 1910 
 
Oct. 15, 1910 
 
Seminole Bank_______________________ Iron City ___________________________ June 17, 1921 
 
July 
 
2, 1921 
 
Irwinton Bank_______________________ Irwinton _____________________________ Feb. 17, 1911 
 
Feb. 
 
1911 
 
Bank of Irwinville ___________________ Irwinville__ 
 
__________________ Oct. 25, 1906 
 
Oct. 
 
1906 
 
Farmers & Merchants Bank _________ Jackson_________ 
 
________ July 24, 1919 
 
Aug. 29, 1919 
 
Jackson Banking Company__________ Jackson_____ 
 
__________________ Dec. 15, 1888 
 
Dec. 
 
1888 
 
Bank of Jakin___________ 
 
_____ Jakin _____________________________ Sept 27, 1912 
 
Oct. 
 
4, 1912 
 
Pickens County Bank _______________ Jasper _____________________________ July 10, 1909 
 
1909 
 
Citizens Bank & Trust Co. _________ Jefferson _____________________________ Feb. 10, 1920 
 
March 4, 1920 
 
Farmers & Merchants Bank_________ Jeffersonville__ 
 
________________ ~July 24, 1911 
 
Aug. 
 
1911 
 
Twiggs County Bank________________ Jeffersonville ________________________ Dec. 14, 1903 
 
Dec. 14, 1903 
 
Farmers Bank _______________________ Jenkinsburg ________________________ Jan. 
 
3, 1910 
 
Jan. 
 
1910 
 
Bank of Clayton County ____________ Jonesboro ___________________________ Oct. 10, 1908 
 
Oct. 27, 1908 
 
Bank of Jonesboro________ 
 
___ Jonesboro__ 
 
________ Oct. 
 
6, 1903 
 
Nov. 
 
7, 1903 
 
Farmers & Merchants Bank_________ Junction City______________________ March 23, 1912 
 
April 3, 1912 
 
Kennesaw State Bank_______________ Kennesaw ___________________________ April 20, 1910 
 
April 
 
1910 
 
State Bank __________________________ Kingsland ___________________________ Nov. 26, 1912 
 
Dec. 10, 1912 
 
Bank of Kingston ___________________ Kingston ____________________________ May. 19, 1904 
 
1904 
 
Citizens Bank______ 
 
____ Kite___________ 
 
______________ Sept. 11, 1906 
 
Aug. 
 
1906 
 
Bank of LaFayette________ 
 
_____ LaFayette______ 
 
____________ Nov. 13, 1889 
 
July 
 
1889 
 
Walker County Bank ________________ LaFayette___ 
 
______ Oct. 22, 1913 
 
Nov. 
 
1, 1913 
 
Bank of LaGrange ___________________ LaGrange ____________________________ Dec. 29, 1890 
 
LaGrangeBanking&TrustCo. ____ LaGrange _________________________ Dec. 11, 1871 
 
1871 
 
LaGrange Savings Bank_____________ LaGrange ____________________________ Dec. 
 
7, 1906 
 
Dec. 21, 1906 
 
Lake Park Bank_________ 
 
___ Lake Park __________________________ Jan. 22, 1906 
 
March 
 
1906 
 
Bank of Lavonia _____________________ Lavonia _____________________________ July 20, 1898 
 
July 
 
1898 
 
Brand Banking Company____________ Lawrenceville ________________________ June 2, 1905 
 
July 17, 1905 
 
Bank of Leary_______________________ Leary ________________________________ June 22, 1909 
 
Sept. 
 
1909 
 
Bank of Leesburg__________ 
 
_Leesburg___________________________ May 20, 1907 
 
July 
 
9, 1907 
 
Bank of Lenox_____ 
 
__Lenox_______ 
 
__June 20, 1907 
 
June 25, 1907 
 
Bank of Leslie__ 
 
__Leslie_________ __ 
 
__Feb. 
 
4, 1905 
 
Feb. 
 
4, 1905 
 
Bank of Lexington____ 
 
_Lexington___ 
 
_________ 
 
Feb. 14, 1896 
 
Feb. 
 
1896 
 
Oglethopre County Bank__ 
 
__L~xington__ _____ _____ 
 
__________ May 
 
1, 1905 
 
Aug. 
 
1905 
 
~~~~~~~~-L_i_ll~y_B_a_n~k~in~gCompany___ 
 
__LillY----------------~~~~~~~J_u_l_Y~~-30_,~1_9_1_9~~~-A_u_g_~~-1_,~1_9_19~~~~~~~~~ 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
Bank of Lincolnton"-- _______________ Lincolnton___________________________ April 
 
Farmers State Bank_________________ Lincolnton___________________________ Sept. 
 
Lithonia Banking Company_________ Lithonia_____________________________ Dec. 
 
Peoples Bank________________________ Lithonia_____________________________ Aug. 
 
Bank of Locust Grove_______________ Locust Grove________________________ Aug. 
 
Citizens Bank _______________________ Locust Grove ________________________ Sept. 
 
Farmers & Merchants Bank_________ Loganville ______________ ~- ___________ April 
 
Logansville Banking Company_____ .Loganville ___________________________ Feb. 
 
Bank of Louisville___________________ Louisville ____________________________ Oct.- 
 
Lovejoy Banking Company__________ Lovejoy______________________________ Feb. 
 
Bank of Lovette _____________________ Lovette______ 
 
________________ Nov. 
 
Citizens Bank_________________ ____ Ludowici_______ 
 
_. __ .. July 
 
Bank of Lula ________________________ Lula_ __ ____ __ 
 
__________ ~Dec. 
 
Farmers & Merchants Bank____ __.Lumber City_._ 
 
__. _.Aug. 
 
Farmers State Bank ___ .____ ____ Lumpkin______ 
 
__________ Oct. 
 
Luthersville Banking Co... ___________ Luthersville_ Bank of Lyerly_______________________ Lyerly________ 
 
. ______ Oct. ________________ .Sept. 
 
Toombs County Bank ______________ Lyons__________ 
 
______ Dec. 
 
Bank of Henry County_____ 
 
___ .McDonough____ . __________ .. _________ .June 
 
Farmers & Merchants Bank _____ .. __ .McDonough__________________________ March 
 
Citizens Bank _______________________ McRae ______________________________ March 
 
Merchants Bank_____________________McRae _______________________________ April 
 
Macon Savings Bank_________________ Macon _______________________________ March 
 
Georgia Banking Co. ________________Macon _______________________________ Aug. 
 
Merchants&MechanicsSavingsBankMacon ______________________________ Jan. Bank of Madison_____________________ Madison __________________ .. ___________ Dec. 
 
Bank of Manchester ________________ .Manchester________________________ .Jan. 
 
State Bank_________________________ .Manchester__________________________ June 
 
Bank of Mansfield ___________________ Mansfield _____________________ . _____ .Sept. 
 
Merchants & Farmers Bank _________ Marietta ____________________________ .June 
 
Citizens Bank _______________________ Marshallville ___________________ . ____ .Dec. 
 
Georgia Banking Company__________ Marshallville _________________________ Sept. 
 
Bank of Martin ______________________ Martin______________ ________________ Oct. 
 
Bank of Maxeys ______________ . _______Maxeys _______________________________ Feb. 
 
Citizens Bank _______________________ Maxeys ______________________________ June 
 
Bank of Meansville __________________ Meansville ________ . __________________ March 
 
Bank of Meigs _______________________ Meigs ________________ . _______________ May 
 
Bank of Menlo ___________________ .___ Menlo ________ .. ______________________ .July 
 
Commercial Bank____________________ MetcalL ____________________________ .July 
 
Bank of Metter ______________________Metter_______________________________ March 
 
Citizens Bank _______________________Metter _______________________________ Dec. 
 
Bank of Candler County ____________ Metter _______________________________ Oct. 
 
23, 1905 26, 1911 21, 1903 26, 1910 25, 1902 1, 1910 4, 1906 1, 1902 2, 1891 20, 1909 29, 1911 25, 1909 20, 1904 7, 1914 21, 1911 11, 1905 16, 1904 22, 1905 23, 1896 8, 1911 21, 1906 16, 1900 4, 1874 19, 192~ 17, 1910 26, 1888 28, 1910 15, 1914 23, 1905 16, 1911 24, 1906 19, 1910 2, 1907 22, 1907 4, 1910 1, 1911 8, 1903 29, 1904 3, 1916 4, 1904 20, 1919 2, 1920 
 
BEGAN BUSINESS 
 
April Dec. 
Sept. Aug. Sept. 
March July 
Oct. Dec. Aug. Dec. Aug. Oct. Jan. July March June April Jan. Sept. Jan. Jan. Feb. July Oct. July Jan. Sept. Oct. April Nov. April June Aug. July March Dec. Jan. 
 
1905 2, 1911 
1903 1, 1910 
1902 1, 1910 
1906 24, 1902 3, 1893 
1909 
1911 1909 1904 10, 1914 1911 3, 1906 1904 5, 1906 1, 1896 8, 1911 3, 1906 23, 1900 18, 1875 5, 1922 3, 1910 1, 1890 1, 1910 15, 1914 10, 1905 15, 1911 1, 1907 27, 1910 11, 1907 10, 1907 3, 1910 1, 1911 1903 1904 22, 1916 23, 1904 20, 1919 2, 1921 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
BEGAN BUSINESS 
 
Bank of Milan _______________________ Milan ________________________________ Dec. 
Exchange Bank_____________________Milledgeville _________________________ May 
Merchants & Farmers Bank_________ Milledgeville _________________________ March Milledgeville Banking Co. ____________Milledgeville _________________________ Feb. Bank of Millen _______________________ Millen ________________________________ Jan. Farmers Bank _______________________ Milner________________________________.rune 
 
5, 1906 
20, 1903 
22, 1898 28, 1874 
4, 1893 23, 1911 
 
.Tune 
March Oct. March Aug. 
 
1906 1, 1903 
1898 
1884 1, 1893 15, 1911 
 
Farmers & Merchants Bank_____ __Milltown _____________________________ April Bank of Molena ______ : _______________ Molena _______________________________ Oct. 
Bank of Monroe _____________________ Monroe ______________________________ Dec. Farmers Bank _______________________ Monroe ______________________________ Dec. Union Banking Co. _________________ Monroe _____________________________ Aug. 
Jasper County Bank________________ Monticello ___________________________ Feb. 
Montrose Banking Co. _______________ Montrose ___________________________ Sept. Moreland Banking Co. _______________ Moreland ____________________________ Nov. Citizens Bank _______________________ Moultrie _____________________________ Nov. 
Moultrie Banking Co. ________________Moultrie _____________________________.Tuly Bank of Mt. Airy_____________________ Mt. Airy ______________________________ .Tuly 
Mount Vernon Bank_________________Mt. Vernon __________________________ Dec. 
 
18, 1807 7, 1901 
30, 1890 2, 1905 17, 1912 
5, 1898 
4, 1911 1, 1905 13, 1900 
8, 1896 20, 1911 
21, 1900 
 
July 
April .Tan. Sept. Feb. Oct. Nov. Nov. July Aug. .Tan. 
 
1, 1907 
1901 2, 1891 1, 1906 12, 1912 5, 1898 24, 1911 1, 1905 13, 1900 
1896 5, 1911 24, 1901 
 
First Bank of Nashville______________ Nashville____________________________ Feb. Farmers Bank _______________________ Naylor _______________________________ Dec. 
Bank of Newborn____________________ Newborn_____________________________Nov. Bank of Newington__________________ Newington ___________________________ .Tuly 
Newnan Bank & Trust Co___________ Newnan ______________________________ Nov. Baker County Bank_________________Newton _______________________________ Oct. Bank of Norcross ____________________ Norcross _____________________________ Dec. 
 
10, 1917 2, 1907 
10, 1903 7, 1919 
11, 1889 4, 1906 12, 1903 
 
March .Tan. 
Aug. April Oct. Feb. 
 
1, 1917 15, 1908 
1903 13, 1919 20, 1920 15, 1906 1, 1904 
 
Bank of Norristown ________________ Norristown __________________________ .rune 9, 1921 
 
.Tune 12, 1921 
 
Bank of Norman Park _______________ Norman Park ________________________March 24, 1906 
 
April 23, 1906 
 
Bank of Ochlochnee ________________ Ochlochnee__________________________ Oct. 19, 1906 
 
Nov. 
 
1906 
 
Bank of Oglethorpe ____ ~ ____________ Oglethorpe __________________________ Feb. 
 
5, 1901 
 
Feb. 
 
8, 1901 
 
Macon County Bank ________________ Oglethorpe __________________________ Oct. 
 
6, 1906 
 
Peoples Bank________________________ Oliver ________________________________ .rune 13, 1906 
 
.Tan. Sept. 
 
6, 1907 1, 1906 
 
Bank of Palmetto ____________________ Palmetto _____________________________ Sept. 26, 1904 
 
Oct. 
 
1, 1904 
 
Farmers Bank _______________________ Palmetto____________________________.rune 29, 1918 
 
J:uly 10, 1918 
 
Bank of Parrott______________________ Parrott ______________________________ .ran. 25, 1906 
 
March 13, 1906 
 
Planters Bank_______________________ Parrott_ _____________________________ Aug. 12, 1912 
 
Sept. 25, 1912 
 
Patterson Bank______________________ Patterson____________________________ .rune 19, 1907 Bank of Pavo ________________________ Pavo _________________________________ Sept. 17, 1903 
 
1907 1903 
 
Planters Bank_______________________ Pavo _________________________________ March 12, 1912 
 
March 25, 1912 
 
Pearson Banking Company__________ Pearson ______________________________ Sept. 19, 1906 
 
Oct. 
 
1, 1906 
 
Farmers Bank _______________________ Pelham_______________________________ Aug. 19, 1902 
 
Sept. 1, 1902 
 
Pendergrass Banking Co. ____________ Pendergrass _________________________Sept. 29, 1905 
 
Oct. 
 
5, 1905 
 
_ _ _ _ _ _ _ _ _H_o_u_s_ton Banking Co. _______________ Perry ________________________________ Apr_i_l __14~,_1_9_0_5_ _ _ _.r_ un_ e __5:,__19_05_ _ _ _ _ _ _ ___, 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
Perry Loan & Savings Bank_________ Perry __________ ----.-- ______________ Aug. 
 
Bank of Pinehurst___________________ Pinehurst____________________________ Jan. 
 
Salzburger Bank_____________________ Pinora _____________________________ Feb. 
 
Bank of Pineview____________________ Pineview _________________ c __________ April 
 
Pitts Banking Company____________ Pitts_____ ______________________ June 
 
Plains Bank__________________________ Plains ________________________________ Feb. 
 
Bank of Plainville ____________________ Plainville______________________________ Aug. 
 
Bank of PortaL _____________________ PortaL _______________________________ May 
 
Bank of Poulan______________________ Poulan ______________________________ July 
 
Bank of Powder Springs____________ Powder Springs _____________________ .Jan. 
 
Bank of Preston_____________________ Preston______________________________ Oct. 
 
Farmers Bank _______________________ Pulaski.________________________ ____ Oct. 
 
Bank of Quitman____________________ Quitman____________________________ Dec. 
 
Citizens Bank _______________________ Ray City_____________ 
 
_________ April 
 
Farmers & Merchants Bank_________ Rebecca_____________________________ March 
 
Bank of Reidsville ___________________ Reidsville ____________________________ Nov. 
 
Tatnall Bank________________________ Reidsville ___________________________ Sept. 
 
Farmers State Bank_________________ Register_____________ _______________ March 
 
Rentz Banking Co. __________________ Rentz ________________________________May 
 
Reynolds Banking Co. _______________ Reynolds ____________________________ .Feb. 
 
Bank of Rex _________________________ Rex _________________________________ .Jan. 
 
Rhine Banking Co. ___________________ Rhine_______________________________ July 
 
Richland State Bank________________ Richland_______________ 
 
_______ April 
 
Bank of Ringgold____________________ Ringgold _____________________________ Aug. 
 
Bank of Roberta____________________ .Roberta _____________________________ Jan. 
 
Crawford County Bank______________ Roberta ______________________________ Jan. 
 
Bank of Rochelle ____________________ Rochelle _____________________________ March 
 
Bank of Rocky Ford________________ .Rocky Ford__________________________ May 
 
Rockmart Bank______________________ Rockmart ____________________________ Oct. 
 
Citizens Bank of Rome ______________ Rome ______________________________ .Nov. 
 
Floyd County Bank__________________ Rome ________________________________ Jan. 
 
Bank of Roopville____________________ Roopville___________________________ .Nov. 
 
Citizens Bank______________________ RoswelL _____________________________ Nov. 
 
Roswell Bank________________________ RoswelL _____________________________ March 
 
Farmers Bank _______________________ Royston _____________________________ July 
 
Royston Bank_______________________ Royston ____________________________ .Nov. 
 
Bank of Rutledge ____________________ Rutledge____________________________ .Sept. 
 
Bank of Camden County____________ st. Mary's___________________________ Sept. 
 
Bank of Sale Clty____________________ Sale City___________________________ April 
 
Citizens Bank _______________________ Sandersville ______  __________________ .. Dec. 
 
Peoples Bank________________________ Sardis_______________________________ .June 
 
Bank of Sasser______________________ .Sasser_______________________________ .Jan. 
 
20, 1889 1, 1908 15, 1915 13, 1904 21, 1906 15, 1902 21, 1912 21, 1910 22, 1903 3, 1905 27, 1906 5, 1912 31, 1888 28, 1911 25, 1918 6, 1912 14, 1900 11, 1912 2, 1914 26, 1913 30, 1912 11, 1918 9, 1923 24, 1904 6, 1911 7, 1901 15, 1905 28, 1907 31, 1900 1, 1889 8, 1917 5, 1912 24, 1910 1, 1901 11, 1907 7, 1901 24, 1898 16, 1911 15, 1918 2, 1905 8, 1911 15, 1905 
 
BEGAN BUSINESS 1889 
 
Feb. May 
June 
 
15, 1915 1904 1906 
 
Sept. July 
July 
Jan. Oct. 
Oct. Dec. Aug. 
Feb. Jan. Oct. 
 
1, 1912 30, 1910 25, 1903 23, 1905 
1906 8, 1912 31, 1888 14, 1911 13, 1918 
3, 1913 22, 1900 
 
May March Feb. May May Jan. Jan. Feb. March July Oct. Jan. Jan. Dec. Dec. 
Oct. Nov. 
Dec. May Jan. Aug. Jan. 
 
5, 1914 6, 1913 5, 1912 22, 1918 10, 1923 1, 1890 20, 1911 1, 1901 15, 1905 
1907 1900 1, 1904 8, 1917 1912 1, 1910 1901 1, 1907 7, 1901 1898 6, 1911 1918 1, 1906 15, 1911 1905 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
BEGAN BUSINESS 
 
l~ 
 
Citizens & Southern Bank __________ Savannah____________________________ Sept. 22, 1887 
 
Sept. 
 
0 
1887 
 
Citizens Trust Company_____________ Savannah____________________________May 22, 1906 
 
June 1, 1906 
 
Exchange Bank______________________ Savannah____________________________ Jan. 18, 1906 
 
March 12, 1906 
 
Georgia State Savings Association __ Savannah____________________________ July 29, 1909 
 
Aug. 
 
4, 1909 
 
Liberty Bank & Trust Co. ___________ savannah____________________________ Dec. 18, 1889 
 
Feb. 10, 1890 
 
Savannah Bank & Trust Co. ________ Savannah____________________________ March 4, 1869 
 
Aug. 
 
1869 
 
Wage Earners Savings Bank_________ Savannah____________________________ Oct. 29, 1915 
 
Jan. 
 
3, 1916 
 
Bank of Scotland____________________ scotland_____________________________ March 13, 1912 
 
June 6, 1912 
 
Farmers & Merchants Bank_________ Senoia ______________________________March 2, 1874 
 
Citizens Bank _______________________ Shady Dale __________________________ Feb. 
 
6, 1920 
 
Bank of Sharon______________________ Sharon________________________________ Aug. 29, 1904 
 
April 12, 1920 
 
Sharpsburg Banking Co. ____________ Sharpsburg__________________________ Sept. 29, 1911 
 
Shellman Banking Company_________ Shellman_____________________________ Dec. 
 
4, 1890 
 
Oct. 
 
3, 1911 
 
Bank of Siloam ______________________ Slloam _______________________________ Oct. 18, 1904 
 
Bank of Smithville___________________ Smithville____________________________March 25, 1903 
 
1903 
 
Bank of Smyrna _____________________ Smyrna ______________________________ Jan. 10, 1911 
 
March 20, 1911 
 
Ba_nk of Soperton____________________ Soperton_____________________________ July 16, 1906 
 
Peoples Bank________________________ Soperton_____________________________ Dec. 27, 1905 
 
March 5, 1906 
 
Bank of Sparks______________________ Sparks_______________________________ Jan. 10, 1910 
 
Jan. 12, 1910 
 
Sparta Savings Bank ________________ Sparta _______________________________ Dec. 16, 1907 
 
Feb. 15, 1908 
 
Exchange Bank______________________ Springfield___________________________ Dec. 30, 1907 
 
Jan. 
 
1, 1908 
 
Bank of Stapleton___________________ Stapleton____________________________ Aug. 15~ 1918 
 
Oct. 
 
1, 1918 
 
Bank of Statesboro__________________Statesboro___________________________ Oct. 
 
6, 1891 
 
Jan. 
 
1, 1894 
 
Sea Island Bank_____________________ Statesboro ___________________________ March 11, 1901 
 
March 16, 1901 
 
Bank of Statham ____________________ Statham _____________________________March 30, 1904 
 
April 4, 1904 
 
Bank of Stephens ___________________ stephens ____________________________ Oct. 25, 1911 
 
Oct. 25, 1911 
 
Planters Bank _______________________Stillmore_____________________________ Jan. 
 
3, 1919 
 
Jan. 
 
4, 1919 
 
Bank of Stockbridge_________________Stockbridge__________________________ Sept. 4, 1906 
 
Oct. 24, 1906 
 
Granite Bank ________________________ stone Mountain ____________________ Aug. 31, 1911 
 
Sept. 5, 1911 
 
Bank of Commerce __________________ Summerville __________________________ Oct. 21, 1891 
 
Chattooga County Bank ____________ summerville__________________________ Nov. 25, 1905 
 
Jan. 
 
1, 1906 
 
Peoples Bank________________________ summit____________________ _________ Sept. 13, 1904 
 
Sept. 20. 1904 
 
Central Bank________________________ swainsboro __________________________ Oct. 27, 1920 
 
Nov. 
 
9, 1920 
 
Citizens Bank _______________________ Swainsboro __________________________ Nov. 10, 1900 
 
Nov. 10, 1900 
 
Exchange Bank______________________ Sycamore ____________________________ March 18, 1918 
 
March 18, 1918 
 
Planters Bank_______________________ Sycamore ____________________________May 13, 1914 
 
Sylvania Banking Company __________ Sylvania _____________________________ April 10, 1911 
 
May 
 
1911 
 
Farmers & Merchants Bank_________ Sylvester_____________________________Aug. 2, 1911 
 
Sept. 1, 1911 
 
Sylvester Banking Company_________ Sylvester_ ____________________________ July 5, 1898 
 
July 
 
7, 1898 
 
Bank of Talbotton___________________ Talbotton____________________________ Aug 16, 1906 
 
Dec. 
 
1, 1906 
 
Peoples Bank________________________ Talbotton_____________________________ Dec. 
 
3, 1890 
 
Jan. 13, 1891 
 
Bank of Tallapoosa__________________ Tallapoosa____________________________A_:u.:.-g"--'._ _3_1._,_1_90_8____S_e_:pc_t_._ _9_:_,_1_9_0_8_ __,___ _ _ _ _....... 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
Bank of Taylorsville_________________Taylorsville __________________________ June 
Farmers State Bank_________________ Temple__ ~-- __________________________ Nov. Temple Banking Company___________ Temple_______________________________ Sept. 
Farmers & Merchants Bank _________ Tennille______________________________ oct. Peoples Exchange Bank _____________ Tennille______________________________ Dec. Tennille Banking Co. ________________ Tennille______________________________ April Bank of Thomaston _________________Thomaston __________________________ Dec. 
Farmers & Merchants Bank_________ Thomaston __________________________ March Upson Banking Company____________ Thomaston __________________________ Dec. Bank of Thomasville_________________ Thomasville __________________________ sept. 
Citizens Bank & Trust Co. __________ Thomasville _________________________ Dec. Peoples Savings Bank._______________ Thomasville__________________________ Oct. Bank of Thomson____________________ Thomson_____________________________ July 
McDuffie Bank_______________________ Thomson ____________________________ Aug. Thomson City Bank_________________ Thomson ____________________________ April Bank of Tifton ______________________ Tifton_______________________________ oct. Bank of Tignall______________________ TignalL _____________________________ July Peoples Bank________________________ Tignall_______________________________ Dec. Bank of Toccoa ___ ~---- ______________ Toccoa_______________________________ Aug. Farmers & Merchants Bank_________ Toccoa_______________________________ Jan. Wilkinson County Bank _____________ Toomsboro ___________________________ July Bank of Trion _______________________ Trion ________________________________ oct. 
Bank of Tucker______________________ Tucker_______________________________ oct. Turin Banking Company____________ Turin ________________________________ Nov. Bank of Ty Ty_______________________ Ty Ty________________________________ Sept. Bank of Unadilla ____________________ Unadilla _____________________________ July Commercial Bank____________________ Unadilla _____________________________ Aug. Bank of Union Point ________________ Union Point _________________________ May Farmers Bank_______________________ Union Point_ ________________________ Sept. Ashley Trust Co. ____________________ Valdosta _____________________________ March Bank of Valdosta ____________________ Valdosta ___ ~ _________________________April Citizens Bank_______________________ Valdosta _____________________________ Dec.. Exchange Bank. _____________________ Valdosta _____________________________ July Merchants Bank_____________________ Valdosta______________________________ Dec. Farmers Bank_______________________ Vidette ______________________________ Nov. American Banking Corporation _____ Vienna_______________________________ Feb. Bank of Vienna ______________________ Vienna _______________________________ Aug. 
Dooly Savings Bank_________________ Vienna_____________ __ _____________ Sept. Vienna State Bank __________________ Vienna _______________________________ Dec. Bank of Villa Rica ___________________ Villa Rica ____________________________ May 
Merchants & Planters Bank_________ Villa Rica ____________________________ April Citizens Bank _______________________ Waco _________________________________ Sept. 
 
6, 1905 22, 1912 25, 1903 10, 1894 29, 1908 
4, 1900 11, 1910 8, 1893 19, 1888 27, 1887 30, 1890 22, 1906 18, 1891 22, 1906 
15, 1915 10, 1891 5, 1909 16, 1913 10, 1911 18, 1906 16, 1907 
16, 1912 29, 1919 25, 1905 13, 1910 5, 1898 5, 1907 15, 1911 6, 1911 12, 1913 
12, 1920 1, 1890 30, 1912 
26, 1888 7, 1910 
17, 1917 26, 1889 25, 1905 29, 1920 14, 1899 25, 1907 15, 1914 
 
BEGAN BUSINESS 
 
June March Oct. 
Jan. April Jan. 
 
13, 1905 3, 1913 1, 1903 
1894 13, 1909 4, 1900 1, 1911 
 
Jan. 
Jan. Dec. July Aug. May 
Aug. Jan. Sept. Jan. July Dec. Dec. July Sept. July Aug. May Sept. April April Jan. Sept. Dec. Jan. Feb. Sept. Oct. Jan. May May Nov. 
 
25, 1900 1888 1891 
1, 1906 18, 1891 
1906 11, 1915 
1896 1909 27, 1914 
1911 20, 1906 16, 1907 17, 1912 30, 1919 
1905 1910 5, 1898 1907 
1911 
6, 1911 1913 
27, 1920 1891 1912 
26, 1888 7, 1911 23, 1917 
 1889 16, 1905 4, 1921 
1899 1, 1907 10, 1914 
 
 NAME OF BANK 
 
LOCATION 
 
CHARTERED 
 
Bank of W:adley______________________ Wadley. ______________________________.Tan. Citizens Bank _______________________ Warrenton, ______________________ --.--April 
Planters & Merchants Bank. ________ Warrenton__ . ________________________ April Farmers & Merchants Bank_________ Warthen _____________________________ oct. Bank of Warwick ____________________ Warwick _____________________________ Nov. 
Washington Exchange Bank_. _______ Washington__________________________ Dec. Washington Loan & Banking Co.. ___ Washington__________________________ Sept. Oconee County Bank ________________ Watkinsville __________________________oct. Commercial Bank____________________ Waycross_____________________________ oct. Bank of Waynesboro _________________ Waynesboro, _________________________ Dec. Citizens Bank _______________________ Waynesboro__________________________ Feb. 
Waynesboro Savings Bank___________Waynesboro ___________________________March Citizens Bank _______________________ West Point ___________________________ Feb. Bank of Weston ______________________ Weston_______________________________ May 
Merchants & Planters Bank_________ Whigham_____________________________.June Bank of White Plains ________________ White Plains ________________________ . .Tune Planters Bank_______________________ White Plains_________________________ April 
Whitesburg Banking Co._____________ Whitesburg __________________________ Sept. Bank of Willacoochee________________ Willacoochee_________________________Dec. Merchants & Farmers Bank _________ Willacoochee_________________________ May Bank of Williamson__________________ Williamson ___________________________ Nov. Farmers Bank _______________________ Winder _______________________________ Feb. 
North Ga. Trust & Banking Co. ___ Winder_______________________________ April Pittard Banking Co. __ ~-- ____________ Winterville ___________________________ .Tan. Peoples Bank________________________ Woodbury ____________________________ .July 
Woodbury Banking Company________ Woodbury____________________________ Oct. Farmers Bank _______________________ Woodcliff_. ___________________________ Aug. Woodland Bank____________________ Woodland ____________________________Nov. Bank of Woodstock __________________ Woodstock. __________________________ Oct. Woolsey Bank_________________________ Woolsey______ ______________________ .Aug. Citizens Ba.nk ______________________ Wrens _________________________________ oct. Wrens Bank __________________________ Wrens ________________________________ March 
Bank of Wrightsville_________________ Wrightsville____ ____________________ Feb. Exchange Bank______________________ Wrightsville__________________________ Dec. Farmers Bank _______________________ Wrightsville __________________________ April Yatesville Banking Co. ______________ Yatesville ____________________________ Dec. Bank of Zebulon ____________________ Zebulon _____________________________ March 
 
29, 1902 14, 1902 13, 1907 30, 1911 28, 1910 22, 1888 7, 1891 17, 1904 15, 1918 16, 1892 2, 1898 6, 1911 17, 1917 6, 1913 18, 1918 11, 1904 9, 1919 11, 1907 21, 1900 26, 1906 5, 1912 28, 1914 22, 1915 9, 1911 7, 1907 20, 1891 26, 1912 17, 1907 10, 1905 21, 1907 1, 1907 20, 1916 16, 1897 20, 1909 28, 1919 18, 1906 18, 1905 
 
BEGAN BUSINESS 
 
April 14, 1902 
 
Dec. .Tan. .Tan. May 
Oct. Oct. Dec. Feb. March March March .Tune .Tuly. April Nov. March Aug. Dec. March April .Tan. Sept. 
 
. 1911 3, 1911 1, 1889 1, 1895 
1904 30, 1918 
1892 2, 1898 
1911 15, 1917 30, 1913 18, 1918 7, 1904 26, 1919 18, 1907 
1901 
1906 9, 1912 31, 1914 22, 1915 16, 1911 
1907 
 
Sept. 
Nov. Oct. Oct. Oct. March Feb. Dec. .Tuly Aug. 
 
9, 1912 25, 1907 10, 1905 7, 1907 
1907 28, 1916 16, 1897 13, 1909 15, 1919 28, 1906 
 
 BRANCHES OF BANKS AND TRUS'l' COMPANIES UNDER THE SUPERVISION OF THE DEPARTMENT OF BANKING. 
(43) 
 
NAME OF BANK 
 
LOCATION II 
 
NAME OF BANK 
 
LOCATION 
 
Farmers Bank __________________________ _ Alamo 
 
Brunswick Bank & Trust Co.___________ _ Arco 
 
Brunswick Bank & Trust Co. 
 
.Jesup 
 
Bank of Louisville ______________________ _ Avera 
 
Citizens & Southern Bank _____________ _ Atlanta 
 
Citizens & Southern Bank _____________ _ Augusta 
 
Citizens & Southern Bank ____________ _ Macon 
 
Liberty St. Branch (C. & S,) ____________ _ Savannah 
 
Citizens & Southern Bank lOth Street __ Atlanta 
 
C~tizens & Southern Bank Mitchell St. __ Atlanta 
 
Citizens & Southern Bank Central Office Atlanta 
 
Union Banking Company_______________ _ Broxton 
 
Farmers & Merchants Bank____________ _ Calvary 
 
Cornelia Bank __________________________ _ Demorest 
 
Greenville Banking Co. ________________ _ Gay 
 
Citizens Bank __________________________ _ Morven 
 
Commercial Bank_______________________ _ Pinehurst 
 
Exchange Bank Branch _____________ c- __ Savannah 
 
Citizens Trust Co. Branch _____________ _ Savannah 
 
Bank of Buford_________________________ _ Suwanee 
 
Mount Vernon Bank____________________ _ Uvalda 
 
Douglasville Banking Co._______________ _ Winston 
 
American State Bank (Broad St. Office)_ Athens Union Banking Company______________ _ Nicholls Georgia State Bank____________________ _ Baxley Georgia State Bank____________________ _ Bronwood Georgia State Bank____________________ _ Bowdon Georgia State Bank____________________ _ Chatsworth Georgia State Bank________ . ___________ _ Cordele Georgia State Bank_____________ --- __ -_ Cumming Georgia State Bank___________________ -_ Douglas Georgia State Bank____________________ _ Douglasville Georgia State Bank_____________________ _ Dublin Georgia State Bank__________________ .-_ Hawkinsville Georgia State Bank____________ ._______ _ Hogansville Georgia State Bank_______________ -_ ._- _ Maysville Georgia State Bank___________________ -_ Midville Georgia State Bank____________________ _ Montezuma Georgia State Bank______ . ____________ - _ Ocilla Georgia State Bank____________________ _ Omega Georgia State Bank_______ . ____________ _ Vidalia Georgia State Bank____________________ _ Social Circle Richland State Bank_------------------ Omaha 
,, 
 
 24 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ABBEVILLE Abbeville, Ga. 
 
President, W. C. OLIVER 
 
Vice-Presidents, T. M. COOK, C. C. FULGHUM Cashier, G. M. BAZEMORE 
 
RESOURCES: 
 
TDiemmeanLdoanLsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ F'urniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
Vaults -------------------Due from Other Banks____ --Advances on Cotton _________ _ 
Advances on Other Commodi- 
C htei eesk s - -f o- -r - -C-l'e-a-r-i-n-g- -H- -o-u-s-e- -_ _- -_ Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------Overdrafts (if any)___________ Other Assets_________________ 
 
178,941.31 1,800.00 none none none 2,215.52 2,592.80 5,513.92 18,951.15 
none 
14,584.28 none 
891.56 
none 260.68 
none 
none none 3,692.23 
 
Total 
 
~~--- 
$ 229,443.45 
 
I,IABILl'riES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_-_ -_ -_ _- -_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits____________ _ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-__-_--_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Re.serve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities____________ _ 
 
25,000.00 none 
5,000.00 6,013.09 
none none 65,739.95 none 58,804.43 323.96 none 1,462.02 none 66,250.00 850.00 
none none none none 
 
Total 
 
- - - -- - $ 229,443.45 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ACWORTH Acworth, Ga. 
 
President, A. J. DURHAM 
 
Vice-President, R. L. McMILLAN Cashier, J. E. CARNES 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
Advances on Other Commodi- 
Cl1tiPeesks-f-o--r -C--l-e-a-r-in-g---H-o-u--se--_-_-_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_ -_ _- _- _-_-_-_-_-_- -_ 
Other Assets----------------- 
 
95,656.76 1,139.52 296.61 none none none 1,600. 71 3,578.19 5,445.89 
none 
90,386.01 none none 
none 671.46 
none 
15,870.87 549.12 none 
 
~--- 
Total ------------------------$ 215,195.14 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks_______________ _ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Sa vings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none 
5,000.00 7,151.59 
none none 96,483.38 none 81,149.45 none none 391.81 none none none 
none none none 18.91 
215,195.14 
 
 DEPARTMENT OF BANKING 
 
25 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
S. LEMON BANKING CO. Acworth, Ga. 
 
President, ORLANDO AWTREY 
 
Vice-President, JAS. W. McMILLAN 
 
Cashier, LEMON M. AWTREY 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o_u__n_t_s________$ 
United Sta.tes Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds _____ _ Banking House______________ _ Purniture and Fixtures_______ Other Real Estate Owned ___ _ Due from l<'ederal Reserve 
Bank ---------------------Due from Other Approved He- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
Advances on Other Commodi- 
 
125,565.70 711.95 none none none 980.00 
2,700.00 4,494.67 
6,114.4~ 
none 
30,588.15 344.43 none 
 
C'htieecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e-----Other Checks and Cash Items_ Letters of Credit and Accept- 
 
67n1o.n58e 78.80 
 
ances --------------------Overdrafts (if any)___________ 
 
21,892.08 265.19 
 
Other Assets_________________ 
 
6.52 
 
----- 
 
Total ------------------------$ 194,413.56 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Heserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks _______________ _ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ c~ shier's Checks____________ _ Certified Checks______________ 
Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
30,000.00 none 
10,000.00 3,835.44 none none 
84,420.70 none 
61,393.70 none 
4, 735.18 28.54 none none none 
none none none none 
 
Total ------------------------$ 194,413.56 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ADAIRSVILLE Adairsville, Ga. 
 
President, JOE P. BOWDOIN 
 
Vice-President, E. D. VEACH 
 
Cashier, 0'. B. BISHOP 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Pederal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOvt heerrd r Aa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
148,997.63 22,131.43 none none none 450.00 3,178.00 4,300.00 3,119.20 
none 
23,164.59 32,062.00 
none 
none none none 
none 489.95 3,746.65 
 
Total ------------------------$ 241,639.45 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ C"& shier',g Checks____________ _ Certified Checks______________ 
Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
25,000.00 none 
25,000.00 3,193.27 none none 
91,699.89 none 
92,454.94 none 
1,893.68 2,397.67 
none none none 
none none none none 
 
Total ------------------------$ 241,639.45 
 
 26 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ADEL Adel, Ga. 
 
President, W. B. WILKES 
 
Vice-President, A. D. WISE1IAN Cashier, W. J. McCRANIE 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s________$ 
United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other C'ommodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets_________________ 
 
192,816.10 22,402.02 none none none none 3,500.00 3,000.00 10,842.90 
35,235.97 none none 
none 482.27 150.05 
none none 2,974.67 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TC<r! ushstierF'sunCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities------------- 
 
25,000.00 none 
28,000.00 none none none 
65,156.56 none 
108,355.07 none none 
376.21 none 
35,000.00 none 
none none none 9,516.14 
 
Total ------------------------$ 271,403.98 Total ------------------------$ 271,403.98 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FIRST BANK OF COOK COUNTY 
 
Adel, Ga. 
 
President, C. C. GIDDENS 
 
Vice-Presidents, H. L. PARRI::;H, J. S. WILKES 
 
Cashier, J. E. PITTS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 362,597.93 
 
Demand Loans--------------- 21,324.76 
 
United States Securities______ 
 
6,000.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House_______________ 
 
450.00 4,200.00 
 
Furniture and Fixtures_______ 
 
4, 792.00 
 
Other Real Estate Owned___ _ 
 
4,422.65 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agtnts llnd Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
40,344.61 none none 
 
Advances on Other Commodi- 
 
C'hteiecksl" -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
11,348.33 1,325.42 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-__-_-_-_-_--_ Other Assets_________________ 
 
none 1,626.34 
none 
 
----- 
 
Total -----=------------$ 458,432.04 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCEil-lrstifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ 
Other Liabilities------------- 
 
50,000.00 none 
10,000.00 5,409.24 4.00 none 
169,817.63 .. none 
137,680.68 1,340.44 
10,135.80 1,644.78 79.85 
40,000.00 32,319.62 
none none none none 
 
Total ------------------------$ 458,432.04 
 
 DEPARTMENT OF BANKING 
 
27 
 
STATEMENT Showing Condition at Close of Business Decembet 28, 1923 
of the 
 
BANK OF ADRIAN Adrian, Ga. 
 
President, L. 0. BENTON 
 
Vice-Presidents, G. E. YOUMANS, S. H. LYNCH 
 
Cashier, R. G. HUTCHESON 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United Sta.tes Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ Other Rf'al Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other CommodiC'htieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
Total ------------------------$ 
 
68,999.20 none 
2,500.00 none none none 
4,000.00 620.00 
9,614.60 
none 
6,094.83 9, 700.00 6,056.23 
none none none 
none none 7,543.12 
115,127.98 
 
LIABILITIJ<;S: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 nonP. 
3,000.00 none none none 
58.221.09 none 
26,367.80 norJe 
1, 726.61 812.48 none none none 
none none none none 
115,127.98 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ALAPAHA Alapaha, Ga. 
 
President, G. A. PAULK 
 
Vice-President, M. J. McMILLAN 
Cashier, F. T. TILLER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 178,418.16 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
OB at hnekri nSgt oHc ko su saen_d_ _ _B_o_n_ _d_s_-_- -___ -_ Furniture and Fixtures______ _ 
 
2, 700.00 4,500.00 
2,275.50 
 
Other Real Estate Owned___ _ 
 
500.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
17,140.14 48,000.00 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Cle<uing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ -_ _- _- _- -_ Other Assets_________________ 
 
none 45.44 none 
 
-----'-- 
 
'l'otal ------------------------$ 253,579.24 
 
LIABILITI:I<;S: 
Capital Stock Paid In----~---$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Checb:___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks_____________ BCfillrstifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------nBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
 
30,000.00 none 
22,000.00 9,177.04 none none 
40,668.47 none 
149,943.99 none none 
626.91 none none none 
none 1,162.83 
none none 
 
Total ------------------------$ 253,579.24 
 
 28 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
ALBANY TRUST & BANKING COMP1\NY Albany, Ga. 
 
President, A. P. VASON 
 
Vice-President, P. J. BRO\VN Cashier, C. L. NEUMAN 
 
RESOURCES: 
 
'l'ime Loans and Discounts----$ Demand Loans--------------United Sta,tes Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House_______________ Furniture and Fixtures______ _ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrl::t>sm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets----------------- 
 
160,351.50 2, 779.81 none none none none 
13,045.58 5,746.53 
14,998.20 
none 
1,649.48 none none 
none none none 
none none 58.01 
 
Total ------------------------$ 198,629.11 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Rese.rved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check____ D<mand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks____________ _ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills RediscountedL< tte,-s of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
100,000.00 none 
11,177.81 3,184.40 none none none none 
14,655.00 20,454.42 
none 1.00 
40.00 15,000.00 
none 
none none none 34,116.48 
 
Total ------------------------$ 198,629.11 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
ALMA STATE BANK Alma, Ga. 
 
President, E. S. STRICKLAND 
 
Vice-President, C. L. SIBLEY 
 
Cashier, FRED EWING 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures------Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ Advances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
C"hecks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets ________________ _ 
 
85,4-37.96 440.00 none none none none none 
4,447.49 10,707.30 
none 
12,784.42 219.62 none 
3,247.90 220.00 none 
none none 6,638.93 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------Undivided Profits____________ _ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o_s_i_t_-_-_- 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
BCielrltsifPieadyaCb'lhee_c_k__s_-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ I.etters cf CreJit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
15,000.00 none none 
775.77 none none 
50,92:2.79 18,000.00 10,874.58 
none none 2,436.18 none 14,500.00 3,134.30 
none none none , 8,500.00 
 
Total ------------------------$ 124,143.62 Total ------------------------$ 124,143.62 
 
 DEPART:;\lENT OF BA:-<KIXG 
 
29 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
MILTON COUNTY BANK Alpharetta, Ga. 
 
l'resiuent, T. H. MANNING 
 
Vice-President, C. E. MADDOX 
 
Cashier, R. D. MANNING 
 
RESOURCES: 
 
LIABILITIES: 
 
'l'ime Loans and Discounts........ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House______________ _ 
Furniture and Fixtures______ _ 
Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks______ _ Advances on Cotton_________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House...... Other Checks and Cash Items .. Letters of Credit and Accept- 
 
140,336.96 11,943.65 none none none 3,000.00 none 800.00 8,668.68 
none 
66,615.53 32,500.00 
6,076.17 
none none none 
 
Capital Stock Paid In ________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid ..___________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits .. ___________ _ 
Trust Fund Deposits--------Cashier's Checks_____________ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Notes and Bills Rediscounted .. LEtters cf Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed.. ___________ _ Other Liabilities.. ___________ _ 
 
16,000.00 none 
10,000.00 4,606.24 none none 
144,362,15 none 
96,947.58 none none 
1,372.07 none none none 
none none none none 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
3,347.05 
 
----- 
 
Total --------------------~-~-~-~-~$~~2~7~3~,2~8~8~.0~4~~T~o~t~a~l~-~-~-~-~-~-~-~-~-~-~-~--~-~-~-~-~-~-~-~-~-~-~-~$~2~-~3~~2~88~-~0~4 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF COMMERCE Americus, Ga. 
 
President, FRANK SHEFFIELD 
 
Vice-P1esident, JOHN SHEFFIELD 
 
Cashier, LEE HUDSON 
 
RESOURCES: 
'l'ime Loans and Discounts........ $ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Furniture and Fixtures------} Bankmg House____________ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton_________ _ 
Advances on Other Commodities ------------------------ 
Checks for Clearing House __ _ Other Checks and Cash Items .. Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
390,670.78 155,314.21 
86,267.21 26,000.00 
none 35,580.00 
20,000.00 
13,268.22 
none 
214,583.80 26,741.61 none 
none 1,185.09 2,175.86 
none 525.59 
none 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Bank,s________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL .... Savings Deposits_____________ CTraushstierF'sunCd hDecekpso.. _s_i_t_s_-_-_--_-_-_-_-_-_ Ctrtified Checks.... ___________ _ Bills Payable_________________ 
Notes and Bills Rediscounted .. Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed.. ___ _: _______ _ Other Liabilities------------- 
 
65,000.00 none 
65,000.00 94,065.75 
none 1,677.09 468,525.27 
979.10 273,756.26 
none none 3,308.90 none none none 
none none none none 
 
Total ------------------------$ 972,312.37 Total------------------------$ 972,312.37 
 
 30 
 
FouRTH ANNUAL REPORT 
 
STATEMEN"l' Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PLANTERS BANK OF AMERICUS Americus, Ga. 
 
President, L. G. COUNCIL 
 
Vice-President and Cashier, C. M. COUNCIL 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans______________ _ 
United Sta-tes Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve D uBea fnrko m- - -O- t-h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advanc"ls on Cotton _________ _ 
Adtiveasnc_e_s__o:_n__O__t_h_e_r__C_o_m__m__o_d_i_- 
<'hecks for Clearing Hou.se__ _ Other Checks and Cash Items_ Letters of Credit and Accept0 ,aenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
973,867.04 95,893.08 none none none 2,250.00 21,961.34 none 5,523.81 
none 
117,.888.04 13,230.65 
293,566.65 
none 13,119.87 
687.12 
none none none 
 
'l'otal ------------------------$ 1,537,987.60 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ DDiuveidetondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits____________ _ Trust Fund Deposits--------Cashier's Checks_____________ CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills RediscountedLette,.s of Credit and Accept- 
ances _____ ---------------RBeosnedrsv e Bfoorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
100,000.00 none 
200,000.00 28,254.27 none 
111,540.33 499,714.31 
5,592.91 282,721.82 113,748.48 
6,415.48 none none 
190,000.00 none 
none none none none 
 
Total ------------------------$ 1,537.987.60 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
EMPIRE BANK OF AMERICUS Americus, Ga. 
 
President, G. R. ELLIS 
 
Vice-President, H. L. MIZE Cashier, JO'E l.VI. BRYAN 
 
RESOURCES: 
DTiemmeanLdoaLnsoaannsd_. _D__is_c_o__u_n_t_s_________$ 
United Sta-tes SecuritieS-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_S_-_-_-_-_-_Furniture and Fixtures ______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n--k-s-_-_-_-_-__--_ Advances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ _- _- _-_- -_ Other Assets ________________ _ 
Total ------------------------$ 
 
100,016.36 9,491.97 none none none none none 544.58 none 
none 
46,392.56 40.00 none 
none 4,790.36 
none 
none none none 
161,275.83 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits--------Cashier's Creeks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities_.___________ _ 
 
50,000.00 none none 
2,603.85 none none 
91,824.02 none 
6,576.46 10,271.50 
none none none none none 
none none none none 
 
Total ------------------------$ 161,275.83 
 
 DEPARTMEXT OF BANKING 
 
31 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF APALACHEE Apalachee, Ga.. 
 
President, H. A. DAVIS 
 
Vice-President, S. W. FEW Cashier, R. R. SHOCKLEY 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United Sta,tes Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ Advances orl Other Commodi- 
ties ------~---------------C"hecks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i-f -a-n- -y-)-_._-_-_-_-_-_-_-_-_- -_ Other Assets_________________ 
Tctal ------------------------$ 
 
LIABILITIES: 
 
13,573.31 1,139.96 none none none none 3,000.00 1,000.00 none 
none 
2,486.46 none none 
none none 55.88 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
Trust Fund Deposits--------("ashier's Checks_____________ _ 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds. Borrowed------------Other Liabilities------------- 
 
none 21.26 13,736.32 
 
35,013.19 Total --------------=-----$ 
 
15,000.00 none 
500.00 none none nonQ 
6,010.93 none 
4,331.04 none none 
163.48 none 
8,857.74 none 
none 150.00 
none none 
35,013.19 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
BANK OF ARLINGTON Arlington, Ga. 
l'tesitleut, W. E. BOSTWICK Vice-Presidents, J. M. JOHNSON, R. H. BOSTWICK Cashier, W. E. BOSTWICK, JR. 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
214,307.11 1,318.30 
 
United Sta,tes Securities______ 
 
none 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ 
 
none none 2,000.00 1,615.00 
 
Other Real Estate Owned___ _ 12,921.98 
 
Due from Federal Reserve 
 
none 
 
Bank ---------------------Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton _________ _ 
 
27,992.76 none none 
 
Advances on Other Commodities ----------------------- 
t~ecks for Clearing House __ _ 
 
22,399.05 none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------OO vt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none 
3,972.24 none 
 
----- 
 
'l'otal _____ -------------------$ 286.526.44 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Heserved for Branches Surplus --------------------Undivided Profits_____________ Dividends Unpaid ____________ _ Due to Banks________________ Deposit~ Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits________ _ ('ashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ L<'tters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
50,000.00 none 
25,000.00 14,415.43 
none none 103,156.64 none 34,230.45 none none 1,723.92 none 38,000.00 20,000.00 
none none none none 
 
Total ------------------------$ 286.526.44 
 
 32 
 
FouRTH AxxuAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF ARNOLDSVILLE 
 
Arnoldsville, Ga. 
 
President, L. C. WHITE 
 
Vice-President, E. W. COILE 
 
Cashier, W. L. PRICKETT 
 
REBOURCES: 
Time Loans and Discounts----$ Demand Loans______________ _ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-_-_-_ Advances on Cotton__________ Advances on Other C'ommodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
Total ------------------------$ 
 
25,701.45 none none none none 
500.00 4,050.00 2,898.85 
none 
none 
4,4'74.26 none none 
19.65 none 25.00 
none 166.25 5,051. 78 
42,887.24 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ DDiuvei dteon dBs aUn nkps _a_i d_ ____ _-_-_-_-_-_-_-_-_-_- _Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checke .. ___________ _ C<-rtified Checks______________ Bills Payable ________________ _ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed ____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.00 none none none none none 
15,873.51 6,000.00 5,950.89 none none 62.84 none none none 
none none none none 
42,887.24 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
ASH:BURN BANK Ashburn, Ga. 
 
President, C. F. THRASHER 
 
Vice-President, J. S. JOHNSON 
 
Cashier, W. G. SHINGLER 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton_________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ _- _- _-_- -_ Other Assets_________________ 
Total ------------------------$ 
 
143,390.82 14,872.14 none none none 1,560.00 3,328.09 628.90 36,891.00 
none 
68,150.94 none none 
none 518.44 667.55 
none none 152.22 
270,160.10 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Tr.ust Fund Deposits_________ Cashier's Checks_____________ 
BCEil>lrstifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
50,000.00 none 
50,000.00 2,482.36 none none 
66,044.89 none 
60,752.54 6,234.33 
30,778.54 2,968.38 352.00 none none 
none 547.06 
none none 
 
Total ------------------------$ 270,160.10 
 
 DEPARTMENT OF BAXKIXG 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK OF ASHBURN Ashburn, Ga. 
 
President, D. H. DAVIS 
 
Vice-President, W. A. MURRAY 
 
Cashier, K. P. BAKER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 88,167.83 
 
Demand Loans--------------United Sta.tes Securities______ 
 
10,094.18 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 5,000.00 
 
Furniture and Fixtures_______ 
 
900.00 
 
Other Real Estate Owned____ 
 
3,000.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------- 18,265.91 
 
Due from Other Banks______ _ 
 
none 
 
Advances on Cotton _________ _ 20,786.52 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
10,687.70 305.86 
 
Other Checks and Cash Items_ 
 
1,376.36 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-__-_-_-_--_ Other Assets ________________ _ 
 
none none none 
 
----- 
 
'I'otal ------------------------$ 158,584.36 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
Surplus --------------------Undivided Profits------------Dividends Unpaid_________ ---Due to Banks_______________ _ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ _ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ BCielrltsifPieadyaCb'lhee_c__k_s_-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
25,000.00 none 
30,000.00 4,904.70 73.00 none 
52,651.90 none 
29,166.65 1,983.60 9,152.46 5,004.80 648.25 none none 
none none none none 
 
Total ------------------------$ 158,584.36 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, (None) 
 
TURNER COUNTY BANK Ashburn, Ga. 
Cashier, C. P. KEMP 
 
Vice-President, (None) 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 47,848.93 
 
Demand Loans--------------United States Securities_____ _ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking .House--------------Furniture and Fixtures______ _ Other Real Estate Owned____ 
 
19,419.23 none none none none 
10,000.00 
3, 729.69 
24,500.43 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
5,020.66 13,480.29 
none 
 
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_ 
 
825.00 none none 
 
Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- _- _- _- _- _- _- _-_-_-_- -_ 
 
none none 
 
Other Assets----------------- 16,250.24 
---,--- 
 
Total ------------------------$ 141,-07 4.47 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks-----------~---Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
Tenr us hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
 
25,000.00 none 
25,000.00 40.55 none 
16,000.00 18,701.51 
none 44,783.37 
none none 24.04 none 10,000.00 1,525.00 
none none none none 
 
Total ------------------------$ 141,07 4.:1_ 
 
 34 
 
FoBRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
AMERICAN STATE BANK Athens, Ga. 
 
President, JNO. J. WILKINS 
 
Vice-Presidents, W. C. JORDAN, H. C. ERWIN 
 
RESOURCES: 
 
T'ime Loans and Discounts____ $ Demand Loans ______________ _ United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_-_-_-_--_ 
F~urniture and Fixtures------Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--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 ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets ________________ _ 
 
790,4 75.94 12,345.00 none none 3,600.00 1,920.00 23,647.80 15,296.96 3,980.43 
36.454.68 
39,292.62 14.30 
3,365.00 
none 10,339.97 
628.40 
none 7,067.43 
55.00 
 
'l'otal ------------------------$ 948,483.53 
 
LIABILITIES: 
Capital Stock Paid In--------$ !Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dlvidends Unpaid____________ _ Due to Bank,s________________ 
Deposits Subject to Check___ _ DLmand Certificates of Deposit STalmviengCserDtiefpicoastietso_f__D__e_p_o_s_i_t_-_-_- 
Trust Fund Deposits--------Cashier's Checks____________ _ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e-_s-_t-_-_a-_n-_d_- _-T_-a_-x_-_e- -s_ Other Liabilities____________ _ 
 
100,000.00 none 
20,000.00 32,140.91 
54.00 15,731.21 320,635.39 
none 94,469.92 277,903.52 
none 3,326.29 
38.05 none 84,184.24 
none none none none 
 
Total ------------------------$ 948,483.53 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE ATHENS SAVINGS BANK Athens, Ga. 
 
President, MYER STERN 
 
Vice-President, M. G. MICHAEL 
 
Cashier, GEORGE A. MELL 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans ______________ _ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n_d__s__________ __ 
F'urniture and Fixtures------Other Real Estate Owned____ Due from Federal Reserve 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in Vaults -------------------- 
Due from Other Banks------"' dvances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash ItemsLetters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets ________________ _ 
 
873,243,57 4,350.00 
187,300.00 none none none 
21,073.03 I, 757.60 
84,011.86 
none 
134,614.47 none none 
none 21,402.45 
315.13 
none 14,177.23 
1,946.00 
 
Total ___ ---------------------$ 1,344,191.34 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BC ci l>lrst i fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
 
100,000.00 none 
200,000.00 54,263.77 none 3,027.29 
277,226.74 none 
78,252.52 306,207.02 
none 
non~ 
none 325,000.00 
none 
none none none 214.00 
 
Total ------------------------$ 1,344,191.34 
 
 DEPARTMENT OF BANKING 
 
STATEMENT 
Showing Condition at Close of Business December 28, 1923 of the 
COMMERCIAL BANK Athens, Ga. 
Pres~dent, H. H. GORDON, JR. Vice-Presidents, J. E. TALMADGE, JR., J. H. DOZIER Cashier, J. E. PATMAN 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 1,146,090.98 
 
Demand Loans_______________ 63,427.09 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
7,500.00 
 
Other Stocks and BondS-----Banking House_______________ 
 
4,365.00 33,475.68 
 
Furniture and Fixtures_______ 11,500.00 
 
Other Real Estate Owned____ 
 
4, 795.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
53,935.08 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
52,518.39 none none 
 
Advances on Other Commodi- 
 
none 
 
ties ----------------------Checks for Clearing House___ 
 
15,170.05 
 
Other Checks and Cash Items_ 
 
5,154.01 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ _- _- _-_-_-_-_- -_ Other Assets_________________ 
 
122,500.00 
23,570.07 49.00 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ 
 
Amount Reserved for Branches 
 
USunrdpivluids ed--P-r-o-f-i-ts--_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unp<Lid____________ _ Due to Banks________________ 
 
Deposits Subject to Check____ 
 
Demand Certificates of Deposit 
 
Time Certificate of DeposiL-- 
 
Savings Deposits------------- 
 
Trust Fund Deposits--------- 
 
Cashier's Checks------------- 
 
BC 
 
ielrltsi 
 
fPieady 
 
aCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
- 
~ 
 
Notes and Bills RediscountedLetters of Credit and Accept- 
 
ances --------------------Reserve for Interest and Taxes 
 
Bonds Borrowed------------Other LiabilitieS------------- 
 
200,000.00 none 
50,000.00 62.759.49 
832.50 none 
432,558.85 none 
81,525.18 255,603.79 
none 1,215.42 
103.12 none 
336,952.00 
122,500.00 none none none 
 
Total --------------=---$ 1,544,050.35 Total ------------------------$ 1,544,050.35 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
AMERICAN SAVINGS BANK 
 
Atlanta, Ga. 
 
President, J. G. ST. AMAND 
 
Vice-President, ROBERT M. CLAYTON 
 
Cashier, PETER F. CLARKE 
 
RESOUR_C_E_S_:_____________________L__IA__B_IL_I_T~I~E~S_:__________ 
 
DTiemmeanLdoaLnsoaannsd__D__i_sc__o_u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House______________ _ 
Furniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------- -----------I'ue from Other Banks_______ Advances on Cotton__________ 
Advances on Other Commodities _____ ------------------ 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any) __________ _ Other Assets_________________ 
 
725,329.64 3,000.00 none none none none 
131,000.00 2,979.02 
17,883.08 
none 
32,514.41 none none none 
1,381.03 1,497.38 
none 
730.18 none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ D<mand Certificates of De,posit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits_________ 
Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLette:s of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
200,000.00 none 
40,000.00 14,303.48 
3,500.00 none none 
160,038.04 none 
211,767.15 none none none 
100,000.00 none 
none none none 186,706.07 
 
Total --------------------~----$ 916,314.7 4 
 
 FocRTH ANNCAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
ATLANTA COMMERCIAL BANK Atlanta, Ga. 
President, W. B. CHANDLER VicePresidents, H. B. DAVIS, HOWARD P AR;IUSE Cashier, HOWARD PARRISH 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------lJnited Sta.tes Securities______ State of Georgia Bonds_____ _ 
Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House______________ _ 
Furniture and F'ixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Ag!Jnts and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton_________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOvt heerrd r Aa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
248,500.08 6,847.56 none none none none 8,000.00 4,264.54 
19,365.53 
none 
51,024.91 1,692.06 none 
none none 266.53 
none 88.22 none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
lSJunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ D<'mand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ Certified ehecks______________ Bills Payable________________ _ 
Notes and Bills Rediscounted_ Letters of Creait and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities----~-------- 
 
50,000.0 non 
10,000.0 5,055.69 32.0G 2,858.6 
98,691.0 
no~~ 
14,000.0G 57,506.3 
none 1,870.j2 
35.0( 100,000.0( 
none 
ll0ll8 
none none none 
 
Total ------------------------$ 340,049.43 Total ------------------------$ 340,049.43 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
ATLANTA TRUST COMPANY Atlanta, Ga. 
 
President, EUGENE R. BLACK 
 
Vice-Presidents, SNOWDEN McGAUGHY, 
 
CHAS. H. BLACK, A. J. ORME, Secty., JNO. B. WHEAT, Treas., P. H. WINTER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 4,309.341.27 
 
Demand Loans--------------- 82,862.82 
 
linited States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 54,000.00 
 
Other Stocks and Bonds______ 325,239.51 
 
Banking House_______________ 725,000.00 
 
Furniture and Fixtures_______ 63,664.91 
 
Other Real Estate Owned____ 125,486.05 
 
Due from Federal Reserve 
 
Bank ---------------------- 334,229.03 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
LuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
199,021.90 107,284.88 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g----H-o--u-se--__--_ 
 
none 67,216.01 
 
Other Checks and Cash Items_ 
 
9,548.30 
 
Letters of Credit and Accept- 
 
ances --------------------OOvt heerrd r Aa fstsse (t si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_- _- -_ 
 
none 25,472.90 
279,933.35 
 
Total ------------------------$ 6,708,300.93 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ 1,500,000.00 
 
Amount Reserved for Branches 
 
none 
 
Surplus --------------------- 300,000.00 lJndivided Profits_____________ 181,431.18 
 
Dividends Unpaid----~-------- 
 
232.00 
 
Due to Banks________________ 142,775.53 
 
Deposits Subject to Check____ 1,496,369.64 
 
Demand Certificates of Deposit 
 
none 
 
Time Certificate of Deposit--- 349,812.81 
 
Savings Deposits------------- 1,225,114.65 
 
Trust Fund Deposits--------Cashier's Checks_____________ 
 
91,318.72 22,716.63 
 
Certified Checks-------------- 
 
1,104.38 
 
Bills Payable_________________ 121,600.00 
 
Notes and Bills Rediscounted_ 1,218,020.30 
 
Letters of Cre-Ut and Accept- 
ances --------------------Reserve for Interest and Taxes 
Bonds Borrowed------------Other Liabilities------------- 
 
none 21,589.29 
none 36,215.80 
 
Total ------------------------$ 6, 708,300.93 
 
 DEPART}IEXT OF BANKING 
 
37 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS TRUST CO. Atlanta, Fulton Co., Ga. 
 
President, H. C. DUGAS 
 
Vice-President, A. M. WILKINS Cashier, W. F. BODDIE 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
Vnited States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodi- 
L"thieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ _- _- _-_- -_ Other Assets ________________ _ 
 
748,065.87 384,779.23 
550.00 none none none 
157,351.51 29,365.07 none 
none 
91,120.78 none none 
none 5,459.78 3,403.83 
none 5,320.49 7,506.41 
 
Total ------------------------$ 1,429,519.14 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to BankS---------------Deposits Subject to Check____ Demand Certificates of Deposit TSalmviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__--_ 
Trust Fund Deposits--------Cashier's Checks_____________ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Notes and Bills Rediscounted_ Letters uf Credit and Accept-  
RBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t_- _-a_-n_-d_-_-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
250,000.00 none 
264,037.14 11,971.91 265.00 903.04 
574,360.92 none 
68,659.99 160,831.38 
6,513.74 66,876.48 
2,430.85 none 
22,652.85 
none none none 15.84 
 
Total ------------------------$ 1,429,519.14 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITY SAVINGS BANK Atlanta, Ga. 
 
President, S. T. WEYMAN 
 
Vice-President, W. B. GIBSON 
 
Treasurer, A. B. CHAPMAN 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United Sta.tes Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ F'urniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e -serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ -_ _- _- _- -_ Other Assets_________________ 
 
2,313.75 1,550.00 206,019.54 
none none none none none none 
1,310.77 
none none none 
none none none 
none none 169.58 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks_____________ Certified CheckS-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters '>f Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
84,000.00 none none 
37,852.07 none none none none none 
10,675.93 none none none 
29,500.00 none 
none none none 49,335.64 
 
Total ------------------------$ 211,363.64 Total ------------------------$ 211,363.64 
 
 38 
 
FouRTH AxxLI.L REPORT 
 
STAT,EMENT Showing Condition at Close of Business December 28, 1923 
of the 
COLONIAL TRUST COMPANY Atlanta, Ga. 
President, J. S. SLICER Vice-Presidents, JAS. C. WILLIAMS, JOS. H. WILLIA:\IS Cashier, T. J. NORMAN 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans______________ _ l.'nited States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Oth"r Checks and Cash Items_ Letters of Credit and Accept- 
&nces ---------------------Cn erdrafts (if any) __________ _ Other Assets_________________ 
 
454,328.75 none none none none none none 
1,142.52 none 
none 
24,323.89 none none 
none none none 
none 146.42 
none 
 
LIABILITIES: 
Capital Stock Paid In________$ Amount Reserved for Branches Surplus --------------------Undivided Profits_____________ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ 
CBeilrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit ann Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities____________ _ 
 
210,600.00 none 
24,000.00 22,879.01 
none none 101,750.50 none 13,355.00 36,298.87 none none 89.50 60,000.00 none 
none none none 10,968.70 
 
Total __ ---------------------$ 479,941.58 Total ------------------------$ 479,941.58 
 
STaTEMENT Showing Condition at Close of Business De,cember 28, 1923 
of the 
 
EAST ATLANTA BANK Atlanta, Ga. 
 
President, L. L. MARBUT 
 
Vice-P1esident, W. H. McCLAIN, SR. Cashier, R. C. BILLINGS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans ______________ _ United States Securities______ State of Georgia Bonds______ Stuck in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Iue from Other Banks______ _ Advances on Cotton _________ _ Advances on Other Commodities ----------------------C'hecks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Acceptances --------------------OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
~otal ------------------------$ 
 
113,903.13 none none none none none 
9,795.00 3,140.00 1,512.83 
none 
16,937.16 none none none 
1,184.34 none 
none 95.16 none 
146,567.62 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks____________ _ Certified Checks______________ Bills Payable________________ _ 
Notes and Bills Rediscounted_ Letters (f Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities_____________ 
 
25,000.00 none 
9,225.00 3,137.79 
none none 69,910.30 none 19,952.42 19,280.48 none 61.63 none none none 
none none none none 
 
Total ------------------------$ 146,567.62 
 
 DEPARTMENT OF BANKIKG 
 
39 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARlVIERS & TRADERS BANK Atlanta, Ga. 
 
President, W. D. MANLEY RESOURCES: 
 
Vice-Pl<'~idents, P. J. BAKER, J. R. SMITH 
Cashier, L. T. CARTER 
========================~ 
LIABILITIES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ 
Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
Vaults -------------------Due from Other Banks______ _ Advances on Cotton__________ 
Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ -_ _- _- _- -_ Other Assets ________________ _ 
 
514,898.88 7,618.70 none none none 
36,910.00 21,125.62 
3,367.20 36,098.63 
none 
68,777.05 4,940.23 none 
none 37,456.38 
278.58 
none 1,428.59 3,530.95 
 
C"pital Stock Paid In________ $ Amount Heserved for Branches lS' nudr pi vl ui ds e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dh idends Unpaid .. ___________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Acctcpt- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
25,000.00 none 
15,000.00 9,662.84 none 
174,791.50 199,217.85 
27,105.00 66,595.45 117,651.57 
none 5,845.74 
560.86 95,000.00 
none 
none none none none 
 
Total ------------------------$ 736,430.81 Total ------------------------$ 736,430.81 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
GEORGIA SAVINGS BANK & TRUST CO. Atlanta, Ga. 
 
President, GEORGE M. BROWN Vice-Presidents, JOHN W. GRANT, W. STUART 
 
WITHAM, JR. 
 
Secretary and Treasurer, JOSEPH E. BOSTON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 2,577,867.60 
 
Demand Loans--------------- 16,500.00 
 
United States Securities______ 
 
3,000.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 19,500.00 
 
Other Stocks and Bonds------ 463,454.58 
 
Banking House_______________ 290,000.00 
 
Furniture and Fixtures_______ 4 7,506. 77 
 
Other Real Estate Owned____ 
 
4,379.14 
 
Due from Federal Reserve 
 
Bank ---------------------- 65,867.82 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ 
 
49,181.80 none 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House __ _ 
 
3,954.46 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none 
15.64 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ 500,000.00 
 
Amount Reserved for Branches 
 
none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unp.aid ____________ _ Due to Banks________________ 
 
200,000.00 137,079.74 
199.00 none 
 
Deposits Subject to Check____ 
 
none 
 
DPmand Certificates of Deposit 
 
none 
 
ETaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ 
 
376,406.99 1,795,259.23 
none none none 
 
Bills Payable----------------- 
 
none 
 
Notes and Bills Rediscounted- 
 
none 
 
LEtters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Reserve for Interest and Taxes 531,660.95 
 
Bonds Borrowed____________ _ 
 
none 
 
Other Liabilities------------- 
 
621.90 
 
Total ------------------------$ 3,541,227.81 Total ------------------------$ 3,541,227.81 
 
 40 
 
FouRTH A~NUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
GEORGIA STATE BANK Atlanta, Ga. 
 
President, W. D. MANLEY 
 
Vice-Presidents, J. A. SASSER, L. R. ADAMS 
 
Cashier, JNO. D. RUSSELL 
 
RESOURCES: 
 
Time Loans and Discounts____$ 1,864,863.17 
 
Demand Loans--------------United States Securities______ 
 
77,920.69 49,792.43 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House----~---------Furniture and Fixtures_______ 
 
none 439,733.00 106,287.73 
44,419.54 
 
Other Real Estate Owned____ 65,008.47 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
 
323,220.77 
109,119.95 74,509.67 
 
ties ----------------------Checks for Clearing House__ _ 
 
1,967.10 8,028.75 
 
Other Checks and Cash Items_ 
 
4,309.20 
 
Letters of Credit and Accept- 
 
6,186.86 
 
O vaenrcdersa ft-s- -(-i f- -a-n-y-)- -_ -_ -_ _- _- _- _- _- _- _- -_ Other Assets_________________ 
 
11,138.82 93,413.24 
 
'l'otal ------------------------$ 3,27D,919.3q 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ 500,000.00 
 
Amount Reserved for Branches 
 
none 
 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ -_ _- _- -_ Dividends Unpaid____________ _ 
 
none none 16.00 
 
Due to BankS---------------- 299,000.00 Deposits Subject to Check___ _ 1,250,676.19 
 
Demand Certificates of Deposit 62,890.28 
 
Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified C'hecks______________ Bills Payable________________ _ 
 
779,017.79 80,342.70 
60,831.39 20,679.26 
343,32 95,500.00 
 
Notes and Bills .Rediscounted_ 102,482.16 
 
Letters of Credit and AC<'E'Pt- 
 
ances --------------------- 
 
5,000.00 
 
Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities ____________ _ 
 
none 4,100.00 
19,010.30 
 
Total ------------------------$ 3,279,919.39 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE LAKEWOOD BANK Atlanta, Fulton Co., Ga. 
 
President, PAUL S. ETHERIDGE 
 
Vice-President, C. F. MOCYDY 
 
Cashier, P. W. HANCOCK 
 
RESOURCES: 
Time Loans and Discounts____ , Demand Loans--------------United States Securities______ State of Georgia Bonds______ Steck in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n_d__s__________ __ Furniture and FixtuFes_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
Total ------------------------1 
 
67,083.94 5,322.54 none none none none none 4,460.42 none 
none 
9,687.17 none none 
none 469.56 172.20 
none none none 
87,195.83 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ :Cividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks--------~---- Bills Payable----------------Notes and Bills Rediscounted_ Letter.; of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r -oI n-w-tee-d-r e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none 
3,000.00 1,355 35 
none none 30,398.19 none none 23,318.70 none 617.24 
6.35 3,500.00 
none 
none none none none 
87,195.83 
 
 DEPARTMENT OF BANKIXG 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
LOWRY BANK & TRUST COMPANY OF GEORGIA Atlanta, Ga. 
 
President, THOS. K. GLENN 
 
Vice-President, H. WARNER MARTIN 
 
Cashier, E. W. RAMSPECK 
 
===================== 
 
=================== 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts___ $17,545,353.00 
 
Demand Loans_______________ 2,198,509.13 
 
United States Securities------ 1,390,590.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 165,000.00 
 
Other Stocks and Bonds------ 1,589,885. 71 Banking House_______________ 1,360,489.50 
 
Furniture and Fixtures_______ 
 
none 
 
Other Real Estate Owned---- 68,546.02 
 
Due from Federal Reserve 
 
Bank ---------------------- 3,234,552.31 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
324,418.37 3,495,344.05 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ 
 
none 511,412.51 
 
Other Checks and Cash Items_ 129,522.01 
 
Letters of Credit and Accept- 
 
ances ---------------------Overdrafts (if any)----------- 
 
12,200.00 1,878.94 
 
Other Assets----------------- 139,500.00 
 
Capital Stock Paid In--------$ 2,500,000.00 
 
Amount Reserved for Branches 
 
none 
 
Surplus --------------------- 3,000,000.00 Undivided Profits_____________ 1,696,471.65 
 
Dividends Unpaid_____________ 100,442.00 
 
Due to Banks________________ 4,852,955.43 
 
Deposits Subject to Check____ 13,168,002.57 
 
Demand Certificates of Deposit 
 
5,944.44 
 
Time Certificate of Deposit___ 226,002.51 Savings Deposits_____________ 3,789,668.92 
 
Trust Fund Deposits--------- 
 
none 
 
Cashier's Checks_____________ 158,691.50 
 
Certified Checks-------------- 34,313.59 Bills Payable_________________ 500,000.00 
 
Notes and Bills Rediscounted- 1,500,000.00 
 
Letters c:>f Credit and Accept- 
 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
 
12,200.00 483,008.94 
none 
 
Other Liabilities------------- 139,500.00 
 
Total --------------- -------- $32,16 7,2 01.55 Total ----------------------- $32,167,201.55 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE SECURITY STATE BANK Atlanta, Ga. 
 
President, J. S. SLICER WILLIAMS 
 
Vice-Presidents, GEO. R. HOUGHTON, JOS. H. Cashier, T. J. NORMAN 
 
RESOURCES: 
 
Tlme Loans and Discounts____ $ 78,450.64 
 
Demand Loans--------------- 
 
none 
 
United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
nnoonnee none none none 
 
Furniture and Fixtures_______ 
 
90.37 
 
Other Real E.state Owned---- 
 
none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
6,770.23 
none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
 
none none 
 
Other 
 
A 
 
ssets 
 
- 
 
--- 
 
- 
 
---- 
 
---- 
 
- 
 
---- 
 
- 
 
- 
 
none 
-- 
 
Total -------'-----------------$ 85,311.14 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USurdrpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits_________ Cashier's Checks_____________ PCiPlrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
60,000.00 none none 
10,311.14 none none none none none none none none none 
15,000.00 none none ncne none none 
85,311.14 
 
 42 
 
Foc:RTH Ax:>TAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
GEORGIA RAILROAD BANK Augusta, Ga. 
 
President, JACOB PHINIZY 
 
Vice-Presiuents, CHARLES H. PHINIZY, 
 
H. H. SAXON, SAMUEL MARTI~ Cashier, HAL D. BEMAN 
 
- 
 
RESOURCES: 
 
LIABILITIES: 
 
T;me Loans and Discounts____ $ 5, 722,440.84 
 
Demand Loans--------------- 633,920.32 
 
United States Securities______ 552,179.50 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 161,275.00 Banking House_______________ 97,069.82 
 
Furniture and Fixtures_______ 
 
none 
 
Other Real Estate Owned____ 76,200.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
ImVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
1,984,806.91 48,907.46 
 
Advances on Cotton__________ 655,700.00 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 111,356.14 
 
Other Checks and Cash Items- 182,737.23 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
6,184.74 none 
 
Capital Stock Paid In________ $ 1,000,000.00 
 
Amount Reserved for Branches 
 
none 
 
Surplus --------------------- 200,000.00 Undivided Profits_____________ 170,731.73 
 
Dividends Unpaid_____________ 
 
none 
 
Due to Banks---------------- 503,948.38 Deposits Subject to Check____ 2,841, 703.65 
 
D<>mand Certificates of Deposit 
 
none 
 
Time Certificate of Deposit___ 350,933.54 
 
Savings Deposits_____________ 4,461,251. 79 
 
Trust Fund Deposits_________ 
 
none 
 
Cashier's Checks_____________ 102,565.75 
 
Certified Checks______________ 
 
1,643.12 
 
Biils Payable_________________ 600,000.00 
 
Notes and Bills Rediscounted_ 
 
none 
 
Letters of Credit and A.ccept- 
 
ances --------------------- 
 
none 
 
Reserve for Interest and Taxes Bonds Borrowed_____________ 
 
none none 
 
Other Liabilities_____________ 
 
none 
 
Total ------------------------$10,23 2, 777.9 6 Total----------------------- $10,232,777.96 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
UNION SAVINGS BANK Augusta, Ga. 
 
President, Wm. SCHWEIGERT 
 
Vice-Presiuent and Cashier, T. S. GRAY 
 
Assistant Cashier, R. M. RILEY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 1,032,018.55 
 
Demand Loans_______________ 193,103.46 
 
United States Securities______ 79,250.00 
 
State of Georgia Bonds------ 10,000.00 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 117,880.43 Banking House_______________ 100,000.00 
 
Furniture and Fixtures_______ 16,550.76 
 
Other Real Estate Owned____ 
 
3,992.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ Advances on Cotton _________ _ 
 
124,200.14 12,712.95 none 
 
.Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none 22,689.58 
 
Other Checks and Cash Items_ 
 
7, 736.03 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any) __________ _ Other Assets ________________ _ 
 
none 
2,967.16 none 
 
Capital Stock Paid In________$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ D"mand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLettPrs of Cre<lit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
100,000.00 none 
25,000.00 51,652.35 
4.00 27,726.47 625,133.71 37,846.21 21,642.81 776,139.03 
none 1,311.12 2,831.34 50,000.00 
none 
none nor..e none 3,814.02 
 
T~ot~ al ~ ---~--~ ---~ --~ ---~ ---~--~ ---~ --= -$= 1, 7~ 23,= 101=.06==T= ota= l -= ---=--= ---= --= ---= ---=--= ---= --= $ 1= , 72= 3,1= 01.~ 06 
 
 DEPART:\IEXT OF BANKING 
 
43 
 
STATEMENT Showing Condition at Clo&e of Business December 28, 1923 
of the 
 
AUSTELL BANK Austell, Ga. 
 
President, C. F. BENSON 
 
Vice-President, J. D. PERKERSON 
 
Cashier, C. C. PERKERSON 
 
RESOURCES: 
 
DT iemmea nLdo a Ln so aannsd_ _D_ _i s_;_; o_ _u_n_t_s ______ __ $ 
 
78,865.14 9,010.20 
 
Dnited States Securities------ 
 
none 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ 
 
none none 
 
Furniture and Fixtures_______ 
 
2,155.15 
 
Other Real E.state Owned____ 
 
770.52 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm 
 
----~--------------- 
Other Banks_______ 
 
Advances on Cotton__________ 
 
14,008.95 none none 
 
Advances on Other Commodi- 
 
1,336.83 
 
ties ----------------------Checks for Clearing House __ _ 
 
2,206.50 
 
Other Checks and Cash Items- 
 
21.24 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any) __________ _ 
 
286.36 
 
Other Assets ________________ _ 
 
1,859.55 
 
----- 
 
Total ------------------------$ 110,520.44 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US ur dr pi vl ui ds e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ 5avings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
22,520.00 none 
4,534.66 2,949.22 
none none 41,001.31 1,008.24 31,666.76 none none 1,340.25 none 5,500.00 none 
none none none none 
 
Total -----------=------$ 110,520.44 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF BACONTON 
 
Baconton, Ga. 
 
President, R. P. JACKSON 
 
Vice-Presidents, J. D. FRAZIER, R. M. TILLER 
 
Cashier, E. A. McCOLLUM 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 95,126.53 
 
Demand Loans ______________ _ 
 
none 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_S_-_-_-_-_-_- 
 
225.00 2,000.00 
 
Furniture and Fixtures______ _ 
 
3,500.00 
 
Other Real Estate Owned____ 
 
4,500.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r B-a--n-k-s-_-_-_-_-_-_--_ 
 
16,631.60 none 
 
Advances on Cotton _________ _ 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
 
none 25.15 
 
Other Assets ________________ _ 
 
3,767.95 
 
----- 
 
'l'otal ------------------------$ 125,776.23 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dhidends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ :Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable________________ _ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
15,000.00 none 
2,000.00 407.65 none none 
44,390.90 none 
33,993.11 none none 
720.32 none 
21,000.00 8,264.25 
none none none none 
 
Total ------------------------$ 125, 77~ 
 
 44 
 
Fo"CRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BAINBRIDGE STATE BANK 
 
Bainbridge, Ga. 
 
President, E. J. PERRY 
 
Vice-President, J. W. CALLAHAN Cashier, J. J. WALTERS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Steck in Federal Reserve Bank Other Stocks and Bonds____ -Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
LIABILITIES: 
 
719,947.80 5,200.25 
11,685.78 none none 
1,620.00 15,634.20 
6,758.59 none 
none 
103,801.77 none none 
none 54,511.67 
1,691.02 
 
Capital Stock Paid In________$ 100,000.00 
 
Amount Reserved for Branches 
 
none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks______________ _ 
 
20,000.00 113,108.38 
none 14,007.65 
 
Deposits Subject to Check___ _ 325,394.13 
 
Demand Certificates of Deposit 
 
69.34 
 
Time Certificate of DeposiL-- . 124,679.69 
 
Savings Deposits_____________ 147,808.05 
 
Trust Fund Deposits_________ 
 
none 
 
Cashier's Checks____________ _ 
 
3,811.57 
 
Certified Checks-------------- 
 
12.50 
 
Bills Payable------~--------~ 
 
73,000.00 
 
Notes and Bills Rediscounted- 
 
none 
 
Letters of Cre<lit and Accept- 
 
ances --------------------- 
 
none 
 
Reserve for Interest and Taxes Bonds Borrowed____________ _ 
 
none none 
 
Other Liabilities------------- 
 
none 
 
none 1,026. 74 
921,8~:::: l Total -------------------------$-9_2_1_,8_9_1-.3-1 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK & TRUST COMPANY Bainbridge, Ga. 
 
President, H. B. EHRLICH 
 
Vice-Presidents, H. L. GANS, MAX KWILECKI 
 
Cashier, E. 1<'. VICKERS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n_d__s________--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_-_ -_ -_ _- _- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
645,633.28 16,044.46 31,950.00 none 3,600.00 none none 5,645.17 none 
41,080.00 
129,634.27 none none 
none 1,967.05 
none 
none 2,668.74 32,060.02 
910,282.99 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-__--_ Dividends Unpaid ____________ _ Due to Banks_______________ _ Deposits Subject to Check____ Demand Certificates of Deposit STaim.veingCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits _________ . Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
100,000.00 none 
20,000.00 26,431.71 
none 19,151.93 281,7 52.38 
none 205,423.78 160,184.73 
none 6, 7 45.62 
515.00 28,000.00 35,127.84 
none none 26,950.00 none 
 
Total ------------------------$ 910,282.99 
 
 DEPARTMENT OF BANIUXG 
 
-15 
 
STATEMENT 
Showing Condition at Close of Business December 28, 1923 of the 
 
DECATUR COUNTY BAlr.K 
Bainbridge, Ga. 
 
President, M. E. NUSSBAUM 
 
Vice-Presidents, FRANK S. JONES, R. F. WHEAT 
 
Cashier, FRANK S. JONES 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n_d__s__________ __ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ 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- -__- -_ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------Overdrafts !if any) __________ _ Other Assets ________________ _ 
 
99,147.24 5,035.52 none none none 
36,519.75 none none 
3,35 6.85 
none 
28,545.09 none none 
none none none none 
none 73,004.56 
 
LIABILITIES: 
Capital Stock Paid In________$ Amount Reserved for Branches 
US ur :rdpilvuisd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits____________ _ Trust Fund Deposits--------Cashier's Checks_____________ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Notes and Bills Rediscounted_ Lotters of Credit and Acc<ept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other LiabilitieS------------- 
 
25,000.00 none 
5,000.0j) 27,040.42 
none none none none 15,666.98 172,893.36 none 
8.25 none none none 
none none none none 
 
Total ------------------------$ 245.609.01 Total ------------------------$ 245,609,01 
 
STATEMENT 
Showing Condition at Close of Business December 28, 1923 of the 
 
BALD~N STATE BANK 
Baldwin, Ga. 
 
President, W. A. SHORE 
 
Vice-President, B. W. GRANT Cashier, E. C. ADDY 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
 
117,322.42 275.00 none none none 500.00 
3,300.00 2,098.50 
none 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--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_ Letters of Credit and Accept- 
 
33,363.08 
330.33 none none none none 
378.39 none 
 
0 \ "aenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none 
 
----- 
 
Total ------------------------$ 157,567.7-2 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits_____________ Dividends Unpaid_____________ _ Due to Bank,s________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-SRvings Deposits_____________ 
CTraushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable_________________ 
Notes and Bills RediscountedLette.s of Credit ~nd Acccrt- 
.ances --------------------Reserve for .Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
15,000.00 none 
10,000.00 6,820.06 1,200.00 none 
73,681.62 none 
50,475.50 none none 
390.54 none none none 
none none none none 
 
Total ------------------------$ 157,567.72 
 
 46 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Bnsiness December 28, 1923 
of the 
 
BALL GROUND BANK Ball Ground, Ga. 
 
President, R. M. THOMPSON 
 
Vice-President, H. H. HARDEN 
 
Cashier, E. A. CO'LLIER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 115,418.83 
 
Demand Loans--------------- 
 
none 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekri.nSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 3,500.00 
 
Furniture and Fixtures______ _ 
 
3,350.27 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank --~------------------ 
 
none 
 
Due from Other Approved Re-  
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
 
21,191.96 3,000.00 
 
Advances on Cotton_________ _ 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances ---------------~----- 
 
none 
 
Qyerdrafts (if any)___________ 
 
353.04 
 
Other Assets_________________ 
 
3,119.05 
 
----- 
 
Total ------------------------$ 149,933.15 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ . Certified Checks______________ Bills Payable ________________ _ Notes and BiHs Rediscounted_ Letters of Credit and Accept.RBeoasnnedcrsvese Bf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 nbne 
10,000.00 2,147.03 none none 
86,468.66 none 
27,264.92 7,485.91 none 1,566.63 none none none 
none none none none 
149,933.15 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BARNESVILLE BANK . Barnesville, Ga. 
 
President, A. H. ENGLISH 
 
Cashier, E. LANGFORD 
 
Vice-President, J. G. RUSH 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 158,241.28 
 
Demand Loans--------------United States Securities_____ _ 
 
432.39 16,150.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,800.00 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
675.00 none 
3,500.00 
 
Other Real Estate Owned___ _ 
 
6,800.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
11,884.15 
 
serve Agents and Cash in 
 
nuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ 
 
9,582.37 none 
 
Advances on Cotton__________ 
 
163.48 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none 6,420.00 
 
Other Checks and Cash Items_ 
 
131.35 
 
Letters of Credit and Accept- 
 
none 
 
ances --------------------- 
 
OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
219.98 185.42 
 
----- 
 
Total ------------------------$ 216,185.42 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuisded--P-r-o-f-i-t-s-_-_-_-_~_-_-_-_-_-_-_-_-_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit :1 nd Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total ------------------------$ 
 
50,000.00 none 
10,000.00 3,687.03 none none 
80,482.01 none 
400.00 54,016.75 
none 362.35 none none 17,237.n 
none none none none 
216,185.42 
 
 DEPARTJ\IEKT OF BAXKIXG 
 
47 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BARTOW BANK Bartow, Ga. 
 
President, T. Y. Sl\1ITH 
 
Vice-President, W. C. EVANS Cashier, J. R. MURPHY 
 
RESOURCES: 
------ 
Ttme Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ 
State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a~n-k--s-_-_-_-_-_-_-_ Advances on Cotton_________ _ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets ________________ _ 
 
134,665.77 none none none 
1,200.00 4,155.00 4,241.76 6,601.72 
none 
2,670.95 
48,557.58 none 
12,275.40 
none none none 
none 1,401.65 3,746.65 
 
LIABILITIES: 
Capital Stock Paid In________$ Amount Reserved for Branches USnnrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Dt>mand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks____________ _ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other LiabilitieS------------- 
 
25,000.00 none 
15,000.00 7,576.65 none none 
87,522.97 none 
83,798.61 none none 
618.25 none none none 
none none none none 
 
Total ------------------------$ 219,516.48 Total ------------------------$ STATEMENT 
Showing Condition at Close of Business December 28, 1923 of the 
 
219,516.4~ 
 
BANK OF BARWICK Barwick, Ga. 
 
President, D. S. CHAPMAN 
 
Vice-President, E. D. BARROW 
 
Cashier, Lawson Hardy 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds_____ _ 
S1 cck in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_--_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i-f -a-n- -y-)-_-_-_-_-_-_-_-_-_-_- -_ 
Other Assets----------------- 
 
Total 
 
$ 
 
LIABILITIES: 
 
72,714.11 875.31 none none none none 
1,636.83 2,805.15 
none 
none 
13,246.71 none 
1,410. 76 1,110.24 
170.9 6 191.90 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
none none 
3,737.75 
 
97,899.72 . Tntal -----------------------~ $ 
 
15,000.00 none 
5,000.00 1,698.34 
12.00 2,000.00 34,854.21 
none 31,543.01 
none none 292.16 none 7,500.00 none 
none none none none 
97,899.72 
 
 48 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BAXLEY STATE BANK 
 
Baxley, Ga. 
 
President, J. W. TIPPINS 
 
Vice-President, WADE H. WATSON 
 
Cashier, C. A. WHITAKER 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real E-state Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vau!ts ----------------- ___ _ Due from Other Banks_______ Advances on Cotton _________ _ Advances on Other -Commodities ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptOyaenrcdersaft-s--(-if--a-n-y~-) -_-_-_-_-_-_-_-_-_-_-_ Other Assets _________________ _ 
Total ------------------------$ 
 
67,352.38 none none none none none none 
7,000.00 3,645.32 
none 
27,480.87 none none 
480.91 none 
432.10 480.91 
none 12.88 none 
106,404.46 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ _ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other LiabilitieS------------- 
 
16,200.00 none none 
1,220.87 none none 
42,252.72 none 
10,107.84 none 
17,591.01 1,032.02 none 
15,000.00 3,000.00 none 
none none none 
 
Total ----=------------$ 106,404.46 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BISHOP BANKING CO. Bishop, Ga. 
 
President, S. B. PORTER 
 
Vice-President, J. J. JOHNS 
 
Cashier, HERBERT BREEDLOVE 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ 
Banking House----'----------Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
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_ Letters of Credit and Accept- 
 
140,489.75 3,163.45 none none none 600.00 1,680.00 1,420.00 none 
none 
12,372.32 none 
5,419-.14 
1,320.62 none 
796.40 none 
 
OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_-_--_--_--_--_--_--_----_ 
 
none none 
 
---- 
 
Total ------------------------$ 167,261.68 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to. Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills RediscountedLeiters of Cr2dit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
25,000.00 none 
12,000.00 3,941.51 none none 
50,651.09 none 
20,362.24 none none none n::>ne 
28,500.00 none 
none none none 26,806.84 
 
"'"'~ Total ------------------------$ 
 
 DEPART:MENT OF BANKIXG 
 
49 
 
STATEMENT Showing Condition at Cl,?Se of Business December 28, 1923 
of the 
 
THE BLACKSHEAR BANK Blackshear, Ga. 
 
Pre3i~lent, A. P. BRANTLEY 
 
Vice-President, B. D. BRANTLEY 
 
RESOURCES: 
 
Time Loans and Discounts____$ Demand Loans______________ _ United States Securities_____ _ State of Georgia Bonds______ Siock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances ---------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
355,357.44 35,500.00 
200,662.54 none nonr: 
1,375.00 none 
2,497.95 7,434.10 
none 
233,642.86 none none 
none none none none 
none none 
 
Total ------------------------$ 836,469.89 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-ts--__-_-_-_-_-_-_-_-_-_-_-_~ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- -_ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
10,000.00 81,768.57 
I1one none 486,894.60 none 206,615.14 none none 1,191.58 none none none 
none none none none 
 
Total ------------------------$ 836,469.89 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK Blakely, Ga. 
 
President, W. H. FLOWERS 
 
Viee-Presidents, J. J. HAYES, W. ~L ST:TTON 
 
Cashier, R. 0. WATERS 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ Advances on Other C'ommodi- 
ties ----------------------C'hecks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances ---------------------Overdrafts (if any) __________ _ 
Other Assets----------------- 
Total ------------------------$ 
 
192,961.22 3,294.82 100.00 none none none 9,549.18 3,383.31 7,500.00 
non~ 
56,041.84 10,894.97 52,300.17 
none 6,908.29 
none none 
475.58 6,081.33 
349,490.71 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dlvidends Unpaid____________ _ Due to Banks_______________ _ Deposits Subject to Check____ Demand Certificates of Deposit Tfme Certificate of Deposit___ Savings Deposits_____________ Trust F'und Deposits________ _ Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_ _s_- _- -_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
50,000.00 none 
10,000.00 7,248.25 3.60 none 
227,946.03 none 
12,175.42 none none 
19,336.07 none 
10,000.00 12,781.34 
none none none none 
 
Total -------------'"-----------$ 349,490.71 
 
 50 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the  
 
FANNIN COUNTY BANK Blue Ridge, Ga. 
 
President, J. M. EATON 
 
Vice-President, J. B. CHASTAIN Cashier, J. F. HO'LDEN 
 
RESOUR-CES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s________ $ 
 
188,380.80 5,495.54 
 
United States Securities______ 
 
2, 700.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
315.00 
 
BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-, -_______ __ Furniture and Fixtures_______ 
 
none none 3, 750.00 
 
Other Real Estate Owned____ 
 
3, 700.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
976.73 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------- 26,797.49 
 
Due from Other Banks------Advances on Cotton _________ _ 
 
853.88 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
130.83 none 
 
Other Checks and Cash Items- 
 
2,906.58 
 
Letters of Credit and Accept- 
 
- - - - Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
(Jther Assets_________________ 
 
none 325.64 
none 
 
Total ------------------------ $ 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
15,000.00 none 
15,000.00 5,453.90 none 183.77 
64,092.73 none 
63,708.07 none 
55,526.94 2,367.08 none 
15,000.00 none 
none none none none 
 
Total ------------------------$ 236,332.49 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE FARMERS BANK Blythe, Ga. 
 
President, F. H. TURNER 
 
Vice-President, A. M. CLARKE 
 
Cashier, I. V. RAINWATER 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 27,562.38 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
5,192.14 6,699.12 
none 
 
Etock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n_d__s-_-_-_-_-__- 
 
1,503.95 1,947.50 
 
Furniture and Fixtures_______ 
 
1,370.81 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks------Advances on Cotton _________ _ 
 
19,115.56 170.00 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
 
none none 
 
Other Assets_____________ ---- 
 
none 
 
----- 
 
Total ------------------------$ 63,561.46 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ D;vidends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.00 none 
5,000.00 1,310.18 
62.40 none 34,997.91 none 7,014.69 none none 176.28 none none none 
none none none none 
63,561.46 
 
 DEPART::\IENT OF BANKING 
 
51 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS BANK OF BOGART Bogart, Ga. 
 
President, W. A. NUNNALLY 
 
Vice-President, EARL GRIFFETH 
 
Cashier, J. M. COl\IER 
 
RESOURCES: 
 
rime Loans and Discounts____ $ 91,657.89 
 
)ernand Loans--------------- 
 
none 
 
Jnited States Securities------ 
 
none 
 
3tate of Georgia Bonds------ 
 
none 
 
>tock in Federal Reserve Bank 
 
none 
 
3) tahnekri nSgt oHc kosu saen_d_ _ _B_o_n_ _d_S_-_-_-_-_- -_ 
 
none 1,000.00 
 
l<'urniture and Fixtures_______ 
 
1,623.47 
 
)ther Real Elstate Owned____ 
 
2,320.80 
 
Due from Federal Reserve 
 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-_-_-_Advances on Cotton__________ 
 
6, 785.49 none none 
 
A.dvances on Other Commodi- 
 
Chtieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--_-_-_ 
 
none none 
 
Other Checks and Cash Items_ 
 
17 5.00 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any) __________ _ 
 
24.31 
 
Dther Assets ________________ _ 
 
none 
 
---- 
 
T&tal ------------------------$ 103,586.96 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other LiabilitieS------------- 
 
25,000.00 none 
5,000.00 3,470.76 
none none 21,082.10 none 9,868.84 none none 151.97 none 39,013.29 none 
none none none none 
 
Total ------------------------$ 103,586.96 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF :BOSTON Boston, Ga. 
 
President, H. R. NOBLES Cashier, S. L. ROGERS 
 
Vice-President, ED COOK 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 112,143.28 
 
Demand Loans--------------United States Securities_____ _ 
 
567.40 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
900.00 
 
Other Stocks and BondS-------- 
 
none 
 
Banking House--------------Furniture and Fixtures_______ 
 
6,909.54 2,845.16 
 
Other Real Elstate Owned____ 
 
8,643.88 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
2,475.61 
 
serve Agents and Cash in  
 
Vaults ------------------.--Due from Other Banks______ _ Advances on Cotton__________ 
 
18,101.~3 
2,329.29 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
10,539.70 438.63 
 
Other Checks and Cash Items_ 
 
329.91 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none 649.91 
 
Other Assets_________________ 
 
none 
 
---- 
 
Total ------------------------$ 166,874.24 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsi fPi eady aCbhl ee_c_k_ s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 1,507.21 
none none 43,305.04 none 56,555.46 8,540.49 none 58.55 none 10,000.00 16,907.49 
none none none none 
 
Total -------~----------------$ 166,87 4.24 
 
 52 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
MERCHANTS & FARMERS BANK Boston, Ga. 
 
President, JAS. M. JONES 
 
Vice-President, JAS. A. MALLETT:E 
 
Cashier, J. R. CARTER, .JR. 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds-------Banking House-------------} Furniture and Fixtures_____ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing Ho.use__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OC vt heer rd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
256,247.19 17,847.03 2,008.68 none none none 10,000.00 8,501.55 
none 
58,610.89 1,400.00 none 
4,691.41 366.03 95.51 none 
none none 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ _ Certified C'hecks_____________ _ Bills Payable_________________ 
Notes and Bills RediscountedLetters of Credit and Accept- 
Reasnecrevse f-o-r--In--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed_____________ Other Liabilities____________ _ 
 
50,000.0 non 
25,000.0 19,492.1 
9.0 non 119,748.7 non 109,127.9 35,381.0 non< 61l.OC non< non< non< non< 
398.3 non< non< 
 
Total - 
 
----------- --$ 359,768.29 Total ------------------------$ 359,768.29 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK 0~ BOST\VICK Bostwick, Ga. 
 
President, E. W. BUTLER 
 
Vice-President, J. M. PRESTOill Cashier, B. G. ADAMS 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o_u__n_t_s________ $ United States Securities______ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds____ -Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
Total ------------------------1 
 
35,485.30 none none none none none 
1,990.30 1,581.41 14,374.80 
none 
2,183.14 6,548.42 
none 
none none 106.14 none 
24.73 1,106.25 
63,400.49 
 
LIABILITIES: Capital Stock Paid In________ $ 
Amount Reserved for Branches US unrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid~----------- Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits____________ _ Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks______________ Bills Payable________________ _ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------1 
 
15,000.00 8,961.96 4,350.58 none none none 
16,001.60 none 
19,086.35 none none none none none none none none none none 
63,400.49 
 
 DEPARTMENT OF BANKING 
 
53 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BOWDON Bowdon, Ga. 
 
President, J. L. LOVVORN 
 
Vice-President, J. B. FOWLER 
 
Cashier, M. L. JOHNSON 
 
RESOURCES: 
 
LIABILITIES: 
 
l'ime Loans and Discounts----$ Jemand Loans--------------Jnited States Securities______ 3tate of Georgia Bonds______ 
3tock in Federal Reserve Bank 3)tahnekrinSgtoHckosusaen_d___B_o_n_d_s_-_-_-_-_-__- 
~urniture and Fixtures ______ _ Jther Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults --------------------IJue from Other Banks_______ 
<\dvances on Cotton-~------- <\dvances on Other Commodi- 
ties ----------------------:Checks for Clearing House___ Jther Checks and Cash Items_ Letters of Credit and Accept) vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
)ther Assets----------------- 
 
207,375.05 none none none none 
650.00 2, 750.00 2,810.00 13,472.88 
none 
7 4,053.00 275.69 none 
none 2,505.83 
none 
none 726.38 1,574.22 
 
Ca.pital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks____________ _ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills RediscountedLetters of Cred;t and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
50,000.00 none 
10,000.00 567.42 none none none 
150,157.66 93,883.10 none none 1,584.87 
non~ 
none none 
none none none none 
 
rota! ------------------------$ 306,193.05 Total ------------------------$ 306,193.05 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BOWERSVILLE Bowersville, Ga. 
 
President, JAS. A. ESTES 
 
Vice-President, R. L. GAINES 
 
Cashier, L. H. RIDGWAY 
 
RESOURCES: 
 
l'ime Loans and Discounts____ $ 45,556.46 
 
Jemand Loans--------------- 
 
none 
 
Jnited States Securities______ 
 
1,000.00 
 
3-tate of Georgia Bonds------ 
 
none 
 
ltock in Federal Reserve Bank 
 
900.00 
 
3)tahnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
1,000.00 1,743.00 
 
~urniture and Fixtures ______ _ 
 
2, 789.00 
 
)ther Real Estate Owned____ 
 
6,827.38 
 
Jue from Federal Reserve 
 
Bank ---------------------- 
 
5,000.00 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
JuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
43,945.03 none 
 
<\dvances on Cotton__________ 
 
none 
 
<\dvances on Other Commodi- 
 
ties ----------------------~"becks for Clearing House __ _ 
 
none none 
 
)ther Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
))tvheerdr raAfstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_--_ 
 
none none 
 
---- 
 
rota! ------------------------$ 108, 7()0._87 
 
LIABILITIES: 
 
Capital f1tock Paid In--------$ Amount Reserved for Branches 
 
1SJunrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends 1Jnpaid____________ _ Due to Banks________________ 
 
Deposits Subject to Check____ 
 
Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
 
Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks______________ Bills Payable________________ _ 
 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
 
Re~aenrcvees 
 
--------------------for Interest and Taxes 
 
Bonds Borrowed____________ _ 
 
Other LiabilitieS------------- 
 
25,000.00. none 
5,000.00 1,493.64 
none none 72,354.42 none 4,869.38 none none 43.43 none none none 
none none none none 
 
Total ------------------------$ 108, 760.~7 
 
 54: 
 
Fol:'RTII A:>NUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BOWMAN Bowman, Ga. 
 
President, L. W. HENDRICK 
 
Vice-President, W. A. TEASLE 
 
Cashier, C. E. TEASLEY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds-----BFuanrnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_--_ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
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_ Letters of Credit and Accept0\aenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-_-__-_-_-_--_ Other Assets_________________ 
 
181,782.80 17,199.77 24,868.10 none 1,350.00 19,791.95 4,0.18.49 2,395.00 5,586.80 
13,856.06 
25,097.93 95.00 
25,680.34 
none none 1,215.67 
none 1,193.51 3,232.23 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks--------~---Certified Checks _____________ _ Bills Payable ________________ _ Notes and Bills Rediscounted_ Letters .of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
35,000.0 non 
10,000.0 23,988.4 
non non 148,795.0 non 102,847.0 5,277.2 non 1,455.9 non non non 
non non non non 
 
Total ------------------------$ 327,363.65 Total ------------------------$ 327,363.6 
 
STATEMENT Showing Condition at Close of Business December 28, 1923' 
of the 
BANK OF BRADLEY Bradley, Jones County, Ga. 
 
President, S. B. HUNGERFORD 
 
Vice-President, A. L. HARRH 
 
Cashier, J. G. GRIFFIN 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans-------------~United States Securities______ 
 
17,368.81 none none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------Furniture and Fixtures_______ 
 
4,310.65 1,320. 71 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ 
 
11,066.00 none none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
40.00 
 
Letters of Credit and Accept- 
 
0 > aenr dc er sa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets_________________ 
 
765.01 
 
----- 
 
Total ------------------------$ 34,871.18 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_-_-_-_-_ -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i _t s_-_-_-_-_-_-_-_- -_ Certified Checks______________ Bills Payable________________ _ Notes and Bills Rediscounted_ Letters of Credit and AccevtBBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a_-x_-_-e-s_ Other Liabilities_____________ 
Total ------------------------$ 
 
15,000.00 none none none none none 
18,297.05 125.00 
1,294.72 none none 
154.41 none none none 
none none 
non~ 
nonE 
34,871.1 
 
 DEPARTMENT OF BANKING 
 
55 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BREMEN Bremen, Ga. 
 
President, JOHN H. SHELNUTT 
 
Vice-President, S. S. COPELAND 
 
Cashier, W. L. LONG 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 92,470.37 
 
Demand Loans_______________ 
 
900.00 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_S_-_-_-_-_-_- 
 
450.00 2,000.00 
 
Furniture and Fixtures______ _ 
 
2,691.45 
 
Other Real Estate Owned___ _ 
 
4,845.60 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton _________ _ 
 
25,340.20 none none 
 
Advance8 on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
124.00 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ Other Assets_________________ 
 
none 214.03 
none 
 
---- 
 
Total ------------------------$ 129,035.65 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities_____________ 
 
40,000.00 none 
10,000.00 5,654.70 none none 
45,727.41 5,000.00 
22,039.33 none none 204.17 none none none 
none none none 410.04 
 
Total ------------------------$ 129,035.65 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS BANK Bremen, Ga. 
 
P1esident, H. T. REID 
 
Vice-Presidents, J. P. BOATRIGHT, J. W. WOOD Cashier, W. A. DUNCAN 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s________ $ 
 
64,509.65 none 
 
United States Securities_____ _ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds_____ _ Banking House______________ _ 
 
none 2,170.25 
 
Furniture and Fixtures______ _ 
 
1,823.07. 
 
Other Real Estate Owned___ _ 
 
3,976.60 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--nk-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
 
27,697.94 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g--H--o-u-s-e--__--_ 
 
none 538.36 
 
Other Checks and Cash Items_ 
 
179.42 
 
Letters of Credit and Accept- 
 
- - - - Ovaenrcdersaft-s--(-if--a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
Other Assets_________________ 
 
none 287.46 none 
 
Total ------------------------$ 101,182.75 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d:.-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__--_ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
17,600.00 none 
4,000.00 3, 784.55 
none none 55,401.74 none 20,331.43 none none 65.03 none none none 
none none none none 
 
Total ------------------------$ 101,182.7 5 
 
 56 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS & MERCHANTS BANK Brewton, Ga. 
 
President, JAS. L. KEEN 
 
Vice-President, J. H. CURL Cashier, L. P. KEEN 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans ______________ _ United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--__-_--_ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ Advances on Other Commodi- 
t1es ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptOOvtahenercrdersAafst-ss-e-t(s-if-_-_a-_n-_-_y_-)_--_--_--_--_--_--_--_--_--_----_ 
Total ------------------------$ 
 
60,972.62 20,715.33 
none none none 270.00 1, 7 56.25 2,031.17 none 
none 
28,870.99 none 
1,500.00 
none none none 
none 886.22 1,426.17 
118,428.75 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_-_-_-_-_ -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso__f _D__e_p_o_s_iL____.:_. Trust Fund Deposits________ _ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnendrcsvees Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d_-_-T_-a_-x_-_e--s_ 
Other Liabilities------------- 
 
15,000.00 none 
5,000.00 4,641.17 
none none 65,287.48 none 10,085.46 none none 368.97 none 18,045.67 none 
none none none none 
 
Total ------------------------$ 118,428.75 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK Brinson, Ga. 
 
President, J. H. BRINSON 
 
Vice-President, J. T. POWELL Cashier, R. G. LUKE 
 
RESOURCES: 
 
Time Loans and Discounts----$ 33,857.30 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
435.00 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_--_ Furniture and Fixtures_______ 
 
180.00 
1,800.00 1,998.70 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
10,026.57 none none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items- 
 
none 689.03 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
n43o.n5e3 
 
- - - - - Other Assets_________________ 
 
398.02 
 
'l'otal ------------------------$ 49,428.15 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~IB!{onsedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none none 
1,593.36 none none 
7,494. 72 none 
25,127.53 none none 212.54 none none none none none none none 
49,428.15 
 
 DEPARTMENT OF BANKING 
 
STATEMENT Showing Condition at Close of Busin~ss December 28, 1923 
of the 
 
BANK OF BROOKLET Brooklet, Ga. 
 
President, J. W. ROBERTSON 
 
Vice-President, R. H. WARNOCK 
 
Cashier, W. C. CROMLEY 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 74,968.60 
 
Demand Loans--------------United States Securities______ 
 
7,548.02 none 
 
State of Georgia Bonds______ 
 
none 
 
S1 ock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
2,550.00 1,921.65 
 
Furniture and Fixtures_______ 
 
1,375.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ 
 
21,073.93 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e------ 
 
none none 
 
Other Checks and Cash Items_ 
 
649.24 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_Other Assets________________ 
 
-_ _ 
- 
 
- 
 
- 
 
none none 
-no-ne 
 
Total ------------------------$ 110,086.44 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and AC'ceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities____________ _ 
 
. 25,000.00 none 
5,000.00 2, 767.90 
none none 46,217.06 none 26,320.68 none none 2,230.80 none none none 
none none none 2,550.00 
 
Total ------------------------$ 110,086.44 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BROOKS BANK Brooks, Ga. 
 
President, K. B. BANKS 
 
Vice-President, F. M. SCOTT Cashier, I. A. SCOTT 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 56,019.98 
 
Demand Loans--------------United States Securities______ 
 
500.21 none 
 
State of Georgia Bonds------ 
 
nQne 
 
Stock in Federal Reserve Bank 
 
none 
 
BOat hnekri nSgt oHc kosu saen_d_ _ _B_o_n_d_ _s ______ _-_- _Furniture and Fixtures______ _ 
 
none 
1,470.00 1,400.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r.-B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
 
6,805.21 none none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
221.85 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-_-_-__-_--_ 
 
none none 
 
Other 
 
Ass 
 
ets-- 
 
--- 
 
--- 
 
--- 
 
--- 
 
--- 
 
-- 
 
- 
 
none 
-- 
 
Total ------------------------$ 66,417.25 
 
LIABILITIJ!;S: Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedJ.,etters of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities_____________ 
Total ------------------------$ 
 
15,000.00 none 
3,000.00 3,101.02 
none none 14,338.28 none 8,817.95 none none none none 22,Hi0.00 none none none none none 
66,417.25 
 
 58 
 
FouRTH AN~TAL HEPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BRUNSWICK BANK & TRUST CO. Brunswick, Ga. 
 
President, F. D. AIKEN 
 
Vice-President, PAUL E. TWITTY Cashier, I. M. AIKEN 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 893,980.43 
 
Demand Loans--------------- 347,259.51 United States Securities______ 292,150.00 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
9,950.00 
 
BOathnekrinSgtoHckous saen_d___B_o_n__d_s_-_--_-_-_-_- 
 
173,227.50 22,000.00 
 
Furniture and Fixtures______ _ 13,401.41 
 
Other Real Estate Owned___ _ '56,646.91 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
68,116.52 
 
serve Agents and Cash in 
 
Vaults -------------------- 306,560.57 Due from Other Banks____ --- 42,704.85 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 9,976. 76 
 
Other Checks and Cash Items_ 
 
2,898.44 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ Cther Assets_________________ 
 
none 555.30 21,850.15 
 
---- 
 
Total - 
 
-------------$ 2,261,278.35 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
Surplus --------------------DUinvdiidveinddesd UPnrpoafiidts_-_-_-_-_-_-_-_-_-_-_-_--_ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasnecrvese f-o-r--I-n-te-r-e-'-s-t -a-n-d--T--a-x-e-s Bonds Borrowed------------Other Liabilities------------- 
 
230,000.00 55,000.00 
101,000.~2 
26,370.8u 15.60 
98,287.58 768,820.46 
15,314.59 299,762.69 325,721.05 
69,044.16 13,087.68 
368.50 250,000.00 
none 
none none none 8,485.18 
 
Total ------------------------$ 2,261,278.35' 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS & CITIZENS BANK Buchanan, Ga. 
 
President, W. C. MOORE 
 
Vice-President, W. J. SPEIGHTS 
 
Cashier, W. S. :McCLEI.JLAN 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 44,484.71 
 
Demand Loans--------------United Sta.tes Securities_____ _ 
 
668.26 1,500.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcoksusaen_d___B_o_n_d__s_______-_--_ 
 
none 2,185.00 
 
Furniture and Fixtures______ _ 
 
2,000.00 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ 
 
60,192.61 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 156.20 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none 103.65 
 
Other Assets_________________ 
 
996.02 
 
----- 
 
'.rota! ------------------------$ 112,286.45 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
3,000.00 6,160.66 
none none 66,676.61 none 21,449.18 none none none none none none 
none none none nC"ne 
 
Total ------------------------$ 112,286.45 
 
 DEPARTl\IENT OF BANKING 
 
59 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
H~RALSON COUNTY BANK Buchanan, Ga. 
 
President, J .. L. EAYES 
 
Vice-President, WALTER MATTHEWS Cashier, H. G. RICHARDSON 
 
RESOURCES: 
DTiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ United States Securities______ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve  
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ Advances on OthEr C'ommodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f-t s- -(-i-f -a-n- -y-) -_-_-_-_-_-_-_-_-_-_-_ Other Assets ________________ _ 
 
61,233.70 8,432.22 500.00 none none none 2,034.00 2, 700.00 none none 
60,016.23 none none 
none none none 
none 837.58 none 
 
LIABILITI1S: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnercvees f-o-r--In--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed____________ _ Other Liabilities----------'--- 
 
15,000.00 none 
10,000.00 14,128.68 
none none 67,823.10 none 28,671.84 none none 130.11 none none none 
none none none none 
 
Total ------------------------$ 135,753.73 Total ------------------------$ 135,753.73 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BUCKHEAD Buckhead, Ga. 
 
Presidt>nt, J. HULME MORGAN 
 
Vice-President, H. C. McWHORTER 
 
Cashier, B. P. TEASLEY 
 
RESOURCES: 
 
Time Loans and Discounts----$ 34,298.10 
 
Demand Loans--------------- 
 
618.98 
 
United Sta.tes Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_-_- 
 
none 2,000.00 
 
Furniture and Fixtures______ _ 
 
2,000.00 
 
Other Real Estate Owned---- 
 
4,048.10 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-_-_--_ 
 
7,602.68 none 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none 33.60 none 
 
----- 
 
Total ------------------------$ 50,601.46 
 
LIABILITI1S: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Bank.s_______________ _ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits--------CCearsthifiieerd's CChehcekcsk_s_-_-_-_-_-_-_-_-_-_-_-_--_ Bills Payable_________________ Notes and Bills Rediscounted. Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed_____________ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
5,000.00 626.75 none none 
9,652.63 none 
7,760.53 none none 93.50 none 
7,500.00 none 
none none none 4,968.05 
50,601.46 
 
 60 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BUENA VISTA LOAN & sAVINGS BANK Buena Vista, Ga. 
 
President, Wm. C. WOOTEN 
 
Vice-President, CHAS. W. LOWE 
 
Cashier, E. B. REESE 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 171,810.14 
 
Demand Loans--------------- 14,067.84 
 
Uuited States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n_d__s__________ __ 
 
2,895.55 4,159. 79 
 
Furniture and Fixtures______ _ 
 
2,336.71 
 
Other Real Estate Owned____ 
 
450.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
J'uVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ 
 
56,844.81 none 
 
Advances on Cotton---------- 81,806.86 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none 628.20 
 
Other Checks and Cash Items_ 
 
200.34 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none none 
 
Other AssetS----------------- 
 
none 
 
----- 
 
Total ------------------------$ 335,200.24 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
30,000.00 none 
40,000.00 5,324.13 139.50 none 
129,235.45 none 
120,501.16 none none none none 
10,000.00 none 
none none none none 
 
Total ------------------------$ 335,200.24 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BUFORD Buford, Ga. 
 
President, L. P. PATTILLO 
 
Vice-Presidents, EDW. FLOR, L. B. PATTILLO 
 
Cashier, CARL PERRY 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------L'nited States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-serve Agents and Cash in Vaults -------------------- 
Due from Other Banks ___ ---Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OC vt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- _- 
Total ------------------------$ 
 
269,694.35 none 
86,100.00 none none 
29,175.00 3,921.35 4,813.13 
16,396.83 
none 
29,764.64 80,431.65 10,721.16 
none none 761.42 none 
none 20.00 
531,799.53 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed____________ _ Other Liabilities------------- 
 
40,000.00 15,000.00 25,000.00 27,322.29 
none 20,052.55 245,410.41 
none 106,173.77 
37,730.08 none 95.22 none 
15,000.00 none 
none none none 15.21 
 
 
Total ------------------------$ 531,'7_9_~ 
 
 DEPARTMENT OF BANKING 
 
61 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the SHADBURN BANKING CO. 
 
Buford, Ga. 
 
President, W. B. SHADBURN 
 
Vice-President, J. LOSS SHADBUHN 
 
Cashier, 'f. C. SHADBURN 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ 
Furniture and Fixtures______ _ 
Other Real Estate Owned---Due from Federal Heserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-__-_-_--_ 
Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OO vl heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
152,648.56 5,371.36 
19,094.00 none none 
9,550.00 none 
3,987.83 15,221.65 
none 
17,795.72 none none 
none 24.89 202.79 
none 72.37 none 
 
Total ------------------------$ 223,969.17 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptReasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed____________ _ Other Liabilities------------- 
Total -----------------~------$ 
 
40,000.00 none 
16,000.00 5,104.10 8.00 none 
87,371.19 none 
41,112.33 23,197.74 
none 452.89 none 9,000.00 
none 
none none none 1,722.92 
223,969.17 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BULLOCHVILLE Bullochville, Ga. 
 
!'resident, A. C. DUNN 
 
Vice-President, H. E. BULLOCH Cashier, WILLil~ B. PERSONS 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 'Cnited States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks______ _ Advances on Cotton__________ 
Advances on Other Commodi1ies ----------------------- 
Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets_________________ 
 
82,511.66 14,297.19 
none none nQne none 1,800.00 2,333.00 none 
none 
6,930.28 none 
24,500.00 
none none none 
none none 
7.00 
 
Total ------------------ -----$ 132,379.13 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------Undivided Profits~-----------Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------R.eserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
25,000.00 none 
5,083.35 9,221.7 5 
none none 30,869.94 none 14,443.20 7,379.07 none 381.82 none 40,000.00 none 
none none none none 
 
Total ------------------------$ 132,379.13 
 
 62 
 
Fol:RTH AxNuAL REPORT 
 
STATEMENT Showing Condition at ciose of Business December 28, 1923 
of the 
 
CITIZENS BANK Bullochville, Ga. 
 
President, R. W. DANIEL 
 
Vice-President, J. 0. BUTTS 
 
Cashier, H. INMAN TALBOT 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ Advances on Cotton _________ _ Advances on Other Commodities -------------------- __ _ Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ -_ _- _- _-_-_-_-_-_- -_ Other Assets ________________ _ 
Total ------------------------ $ 
 
60,599.97 392.13. none none none none none 
3,646.99 none 
none 
2, 708.52 none none 
none none none 
none 5.73 
3,901.92 
71,255.26 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnendrcsveesBf-oo-rr-rIo-n-wt-ee-dr-e_-s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e-s-_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none none none none 
2,500.00 13,608.52 
none 25,834.49 
35.93 none 26.32 none none 10,500.00 
3,750.00 none none none 
71,255.26 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BUTLER BANKING CO. Butler, Ga. 
 
President, R. A. HINTON 
 
Vice-President, I. F. PEEPLES Cashier, 0. G. McCANTS 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ United S,tates 8ecurities_____ _ State of Georgia Bonds______ 
 
91,262.26 51.00 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
none 3,000.00 
3,967.12 
 
Other Real Estate Owned___ _ 
 
785.67 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------- ------------ 34,246.79 
 
Due from Other Banl<S-------. 
 
none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none 899.32 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ _- _- _- _- _- _- _- _- _- -_- 
 
none 290.63 
 
Other Assets________________ _ 
 
none 
 
----- 
 
Total ------------------------$ 134,451.79 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit TsaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
25,000.00 none none 
4,675.05 none none 
80,948.86 none 
19,078.25 none none 
4,749.63 none none none none 
none none none 
 
Total ------------------------$ 134,451.79 
 
 DEPARTME:'IT OF BANKI:'IG 
 
63 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
TAYLOR COUNTY BANK Butler, Ga. 
 
President, ELI GARRETT 
 
Cashier, JAS. L. BURT 
 
RESOURCES: 
 
rime Loans and Discounts____ $ 75,825.76 
 
::>emand Loans--------------Jnited States Securities______ ~tate of Georgia Bonds-----3tock in Federal Reserve Bank )ther Stocks and Bonds______ 3anking House______________ _ 
:_i"urniture and Fixtures______ _ Jther Real Estate Owned___ _ 
 
7,390.00 none none none 
4,500.00 none 
3,550.00 
8,163.86 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ ~dvances on Cotton _________ _ 
 
22,184.06 
72.65 12,294.60 
 
"dvances on Other Commodi- 
 
ties ----------------------::'becks for Clearing House __ _ 
 
none 200.00 
 
)ther Checks and Cash Items_ 
 
322.39 
 
:.etters of Credit and Accept- 
 
ances ------------~-------- 
 
none 
 
)verdrafts (if any)----------- 
 
none 
 
)ther Assets ____________________8_,2_6_7_._o_7 
 
LIABILITI.I<.:S: 
Capital Stock Paid In--------$ Amount Reserved for Branches tSJunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Check,s_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------neserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities_____________ 
 
15,000.00 none none none none none 
66,851.85 none 
60,160.37 none none 
758.17 none none none 
none none none none 
 
l'otal ------------------------$ 142,770.39 Total ------------------------$ 142,770.39 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
FARMERS BANK Byron, Ga. 
 
President, JEFF D. HARDISON 
 
Vice-Presidents, C. II. JACKSON, G. D. TUCKER 
 
Cashier, JNO. H. LOWE 
 
RESOURCES: 
 
rJiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_S_-_-_--_$ 
Jnited States Securities______ ~tate of Georgia Bonds_____ _ 
ltock in Federal Reserve Bank 3)tahnekrinSgtoHcokus sae.n:d___B_o__n_d_s_-_-_-_-_--_ ~urniture and Fixtures ______ _ )ther Real Estate Owned____ 
 
33,986.50 none none none none none 
1, 700.00 
1,000.00 none 
 
::>ue from Federal Reserve Bank ---------------------- 
Due from Other Approved He- 
 
none 
 
serve Agents and Cash in ::>Vueaufrlotsm -O--t-h-e-r--B-a-n--k-s-_-_-_-___--_ "dvances on Cotton__________ 
 
12,431.29 none none 
 
"dvances on Other Commodi- 
ties ----------------------::'hecks for Clearing House __ _ Jther Checks and Cash Items_ :,etters of Credit and Accept- 
 
none 105.60 158.22 
 
) vaenrcdersa f-t s- -(-i-f-a-n-y-)-_-_-_-_-_-_- _- -_-_-_-_ 
 
no2.n9e1 
 
~ther Assets_________________ 
 
1,518.84 
 
---- 
 
rota! ------------------------$ 50,903.36 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits_________ Cashier's Checks_____________ C~rtified Ch!lcks _____________ _ B1lls Payable_________________ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------neserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
25,000.00 none none none none none 
20,391.72 none 
5,040.38 none 471.26 none none none none none none none none 
50,903.36 
 
 64 
 
FouRTH ANNLAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF BYROMVILLE Byromville, Ga. 
 
President, E. B. DAVIS 
 
Vice-President, J. D. LESTEJ Cashier, S. H. BUXTON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_--_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks______ _ Advances on Cotton_________ _ 
Advances on Other Commodities ------- ----------~-- ---- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
(Jther Assets----------------- 
 
Total 
 
-------------$ 
 
21,376.81 863.01 none none none none 
1,500.00 750.00 none 
none 
8,437.74 5,500.00 4,085.00 
none none none 
none 29.97 none 
42,542.53 
 
LIABILITIES: C:;.vital Stock Paid In________ $ 
Amount Reserved for Branches Surplus --------------------Undivided Profits ____________ _ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks____________ _ BC ielrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.0 non 
1m:2.i nonE nonE 18,345.2( 
5,000.~~ 
2,801.5> nom nonE 
102.5( non non non 
nonE non non 77.3 
42.542.5. 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CADWELL BANKING CO. Cadwell, Ga. 
 
President, J. A. BURCH 
 
Vice-President, H. R. BEDINGFIELD Cashier, WALTER DANIELL 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans ______________ _ United States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------- Iue from Other Banks_____ -.\ dva nces on Cotton _________ _ Advances on Other Commodities --------- ------------C"hec-ks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Acceptances --------------------OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
Total ------------------------$ 
 
41,268.91 450.00 none none none 225.00 
4,500.00 3,814.70 4,905.61 
none 
8,415.04 none 
375.36 
none none 930.70 
none 373.23 none 
65.2'iR.55 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits ____________ _ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check~-- Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable ________________ _ Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities------------- 
Total ------------------------$ 
 
25,000.0C none 
2,000.00 946.40 none none 
17,984.97 none 
8,957.8 none nonE 
3 76. 5( none 
9,992.8l nonE 
none nonE none 
non~ 
65,2iiS.5c 
 
 DEPARTMENT OF BANKING 
 
65 
 
~----------------- 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
CAIRO BANKING CO. Cairo, Ga. 
 
President, 0. T. DAVIS 
 
Cashier, HENRY HESTER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 468,479.49 
 
Demand Loans--------------- 
 
,none 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 5,555.43 
 
Furniture and Fixtures______ _ 
 
3,886.80 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ AdYances on Cotton _________ _ 
 
65,027.83 none none 
 
Advances on Other Commodities --------- ____________ _ 
 
none 
 
Checks for Clearing House--- 
 
1, 737.52 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ _- _- _-_-_-_-_-_-_- _- 
 
50,819.69 none 
 
Other llssets------~---------- 
 
none 
 
----- 
 
Total ------------------------$ 595,506.76 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------P.eserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
35,000.00 none 
7,000.00 26,428.68 
none none 135,515.19 none 219,945.13 none none 788.29 8,039.90 25,000.00 84,480.00 
50,819.69 2,489.88 none none 
 
Total ------------------------$ 595,501;.76 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the CITIZENS BANK 
Cairo, Ga. 
 
President, H. G. CANNON 
 
Vice-Presi<lents, J. B. WIGHT, W. H. SEARCY Cashier, L. C. POWELL 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 470,169.69 
 
Demand Loans--------------United States Securities______ 
 
none 200.00 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ 
 
none none none 12,000.00 4,600.00 none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-,_-_-_ Advances on Cotton__________ 
Advances on Other Commodi- 
 
102,174.69 
500.00 none 
 
C ht ei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
65,209.88 none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
none 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ Other Assets_________________ 
 
841.11 none 
 
----- 
 
Total 
 
$ 655,695.37 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------- Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
50,000.00 none 
18,000.00 4,765.31 12.00 none 
284,026.45 none 
222,633.61 none none 
1,258.97 4.90 
none 74,994.13 
none none none none 
 
~'uta! ------------------------ $ 655,695.37 
 
 66 
 
FoL"RTH A~NUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS & MERCHANTS BANK Cairo, Ga. 
 
President, THOMAS WIGHT 
 
Vice-President, J. A. POVv'ELL, L. 0. MAXWELL 
 
Cashier, A. EDWARDS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 355,040.18 
 
Demand Loans--------------l;nited States Securities------ 
 
33,7 43.77 16,450.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ 
 
none none 5,588.05 9,960.10 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Ca,sh in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ 
 
90,546.94 362.79 
 
Advances on Cotton---------Advances on Other Commodi- 
 
none none 
 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ 
 
6,07 4.69 1,060.81 
 
Letters of Credit and Accept- 
 
ances ------------------ __ Overdrafts (if any)___________ 
 
none 451.38 
 
- - - - - Gther Assets----------------- 
 
1,559. 71 
 
Total ------------------------$ 520,838.42 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnendrcsveesBf-oo-rr-roI-n-wt-ee-dr-e-_s-_t-__-a_-n_-d_-_-T_-a_-x_-_e-s-_ Other Liabilities_____________ 
 
40,000.00 none 
2,500.00 16,519.08 
36.00 none 234,375.98 none 112,856.73 78,965.93 34,209.77 1,343.59 none none none 
none none none 31.34 
 
Total ------------------------$ 520,838.42 
 
STATEMENT 
Showing Condition at Close of Business December zs; 1923 
of the 
 
THE PEOPLES BANK Calhoun, Ga. 
 
President, W. L. HINES 
 
Vice-President, F. L. HICKS 
 
Cashier, B. W. BLACKMAN 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca.sh in' 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ 
Advances on Cotton---------Advances on Other Commodi- 
 
362,367.57 none none none 
2,150.00 5,040.00 4,850.39 7,092.89 16,164.69 
16,186.81 
37,849.42 none 
12,985.94 none 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e-_-_-_- 
 
none 
 
Other Checks and Cash Items_ 
 
6, 716.70 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
15,265.09 none 
 
Other Assets_________________ 
 
359.29 
 
Total ________________________-$ -48-7,0-28.-79 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks_____________ FCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
60,000.00 none 
11,000.00 764.52 none none 
157,805.10 none 
225,367.84 none none none none none 
16,826.24 
15,265.09 none none none 
 
Total ------------ -------------$ 487,028. ~ 
 
 DEPAHT~IEXT OF BA~KIKG 
 
67 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CAMILLA Camilla, G~. 
 
'resident, JAS. E PALMER 
 
Cashier, J. J. WICKER 
 
RESOURCES: 
1imemeaLndoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ nited States Securities______ tate of Georgia Bonds______ tock in Federal Reserve Bank athnekrinSgtoHckous saen_d___B_o_n_d__s__________ __ 'urniture and Fixtures______ _ ther Real Estate Owned____ >ue from Federal Reserve Bank --------------------->ue from Other Approved Reserve Agents and Ca,sh in >Vueaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ .dvances on Cotton _________ _ 
.dvances on Other Commodities ----------------------- 
:hecks for Clearing House __ _ >ther Checks and Cash Items_ .etters of Credit and Accept- 
ances -------------------->> tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
587,629.38 none none none 
3,000.00 1,350.00 
none 6,500.00 
none 
12,144.32 
6, 798.20 4,615.25 
none 
none none 1,034.97 
5.250.00 16,660.06 
none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Not<es and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
50,000.00 none 
50,000.00 6,832.67 none 5,513.43 
129,695.95 none 
117,369.83 33,691.09 none 6,431.64 none 
137,643.20 107,804.37 
none none none none 
 
'otal ------------------------$ 644,982.18 TotQJ ------------------------$ 644,982.18 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PLANTERS & CITIZENS BANK Camilla, Ga. 
 
'resident, G. B. COCHRAN COLLINS 
 
Vice- Presidents, G. B: BAGGS, Active; J. E. Cashier, A. J. PINSON 
 
RESOURCES: 
 
'ime Loans and Discounts____ $ )emand Loans_______________ 
:nited Sta.tes Securities______ itate of Georgia Bonds-----itock in Federal Reserve Bank lther Stocks and Bonds______ !anking House ______________ _ 
i"urniture and Fixtures______ _ )ther Real Estate Owned___ _ 
 
227,218.22 14,905.06 none none none none 
5,647.14 5,085.84 
none 
 
)ue from Federal Reserve 
 
Bank ---------------------Jue from Other Approved Re- 
 
ncne 
 
serve Agents and Ca,sh in Vaults -------------------)ue from Other Banks----~-\_<lvances on Cotton _________ _ 
 
46,363.37 none none 
 
l..dvances on Other Commodities ----------------------- 
-:'~leeks for Clearing House __ _ 
 
none 2,843.26 
 
)ther Checks and Cash Items_ 
 
3,469.24 
 
~etters of Credit and Accept- 
 
) vaenrcdersa f t-s- -(-i-f -a-n-y-)-_-_-_-_-_-_-_-_- _- -_-_ 
 
1,4n7o9.n7e4 
 
)ther Assets_________________ 
 
147.99 
 
----- 
 
rota! ------------------------$ 307,159.86 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks---~-----------Deposits Subject to Check____ Demand Certificates of Deposit T'ime Certificate of DeposiL-Savings Deposits ________ _: ___ _ 
TC ar suhsite rF'  su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
50,000.00 none 
4,824.27 8,763.73 
160.01 none 
130,999.44 3,000.00 
61,677.51 12,629.51 
none 42.20 none 35,000.00 none 
none none none 63.19 
 
Total------------------------$ 307,159.86 
 
 68 
 
FouRTH ANNTTAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
FARMERS BANK Canon, Ga. 
 
President, S. E. VANDIVER 
 
Vice-President, W. P. TURMA 
 
Cashier, W. T. CARTLEDGE 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ United Sta.tes Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca,sh in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-if--a-n-y-)-_-_-_-_-_-_-_-_-_-_~-_ Other Assets_________________ 
Total ------------------------1 
 
74,710.86 1,301.50 none none 800.00 225.00 3,500.00 2,450.00 3,198.26 
3, 714.35 
6,207.60 none none none 
none 108.65 
none 17.66 none 
96,233.88 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_ -_ _- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ Cl<ei!rltsifPieadyaCb'lhee_c_k__s_-_-_-_--_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reeerve for Interest and Taxes Bonds Borrowed------------Other Liabilities-------:------ 
Total ------------------------$ 
 
25,000. nor 
1,250. 1,052. 
non noiJ 36,962. noJ] 11,938.2 non non 775.6 non non 19,254.9 
non non non non 
96,233.8 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, R. T. JONES JONES 
 
BANK OF CANTON Canton, Ga. 
Vice-Presidents, SAM TATE, B. F. CRISLER, P. vv 
Vice-President and Cashier, W. S. ELLIOTT 
 
RESOURCES: 
 
Time Loans and Discounts----$ 625,831.34 
 
Demand Loans--------------United Sta.tes Securities-----State of Georgia Bonds_____ _ 
 
87,960.14 17,498.00 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and BondS------ 
 
none- 
 
Banking House--------------- 
 
2,500.00 
 
Furniture and Fixtures------- 
 
4,591.50 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
187,521.12 none 
49,782.82 
 
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- -__- -_ 
 
none 763.49 
 
Other Checks and Cash Items_ 
 
119.37 
 
Letters of Credit and Accept- 
 
- - - - - Ovaenrcdersaft-s--(-if--a-n-y-)--__-_-_-_-_-_-_-_-:-_-_ 
Other Assets_________________ 
 
none 187.62 ncne 
 
Total ------------------------$ 976,755.40 
 
LIABILITHJS: 
Capital Stock Paid In________ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ -_ _- _- -_ 
DDiuvei dteon dBs aUn knsp_a_i_d_ -_-_-_-_-_-_-_-_-_-_-_- -_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks____________ _ 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed_____________ Other Liabilities____________ _ 
 
100,000.0 non1 
90,000.0 25,589.9 
llOlll 
429,455.2 
DOll 
254,116.61 70,168.0 6,860.3 565.2: 
llOlll 
nont nont 
nonE non1 
ll)fl4 
non~ 
 
Total ------------------------f 976,755.41 
 
 DEPART:\IEXT OF BANKING 
 
69 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CHEROKEE 
 
Canton, Ga. 
 
'1esident, GUS COGGINS 
 
Vice-Presidents, E. E. FIELD, B. F. COGGINS 
 
Cashier, N. A. THOMASON 
 
RESOURCES: 
 
LIABILITIES: 
 
'ime Loans and Discounts----$ Jemand Loans_______________ Tnited States Securities______ 
:tate of Georgia Bonds-----:tock in Federal Reserve Bank t)athnekrinSgtoHcokus saen__d__B_o__n_d_S_-_-_-_-_-_- 
i'urniture and Fixtures______ _ Hher Real Estate Owned____ .Jue from Federal Reserve 
Bank ---------------------)ue from Other Approved Re- 
serve Agents and Cash in 
)uVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ ~dvances on Cotton _________ _ 
~dvances on Other Commodi- 
ties ----------------------checks for Clearing House __ _ )ther Checks and Cash Items_ ,etters of Credit and Accept- 
)vaenrcdersaft-s--(-i-f-a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 'ther Assets_________________ 
 
351,540.15 20,320.37 none nonenone 3,000.00 4,500.00 2,500.00 none 
none 
65,937.36 3,517.49 none 
none 769.80 
none 
none 4,081.75 
none 
 
Capital Stock Paid In_______ _ 
Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------neserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
30,000.00 16,015.72 
none none 264,482.52 none 73,797.84 20,761.29 none 1,109.55 none none none 
none none none none 
 
~otal ------------------ -----$ 456,166.92 Total ----- ------------------------$ 456,166.92 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CARLTON BANK Carlton, Ga. 
 
President, J. D. LONG 
 
Vice-President, F. D. SMITH Cashier, F. D. SMITH 
 
RESOURCES: 
 
rime Loans and Discounts----$ 155,334.04 
 
::>emand Loans--------------Jnited States Securities______ 
 
10,123.81 none 
 
'ltate of Georgia Bonds------ 
 
none 
 
3tock in Federal Reserve Bank 
 
none 
 
3)tahnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_-_- 
l"urniture and Fixtures_______ ::>ther Real Estate Owned____ Due from Federal Reserve 
 
495.00 2,405.19 4,561.77 7,903.33 
 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Ca.sh in 
 
Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
 
21,399.10 15,500.00 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
1,468.62 
 
Letters of Credit and Accept- 
 
ances ------------------.-:;-Overdrafts (if any)___________ 
 
none 426.73 
 
Other Assets_________________ 
 
3,854.73 
 
----- 
Total -----~------------------$ 223,472.32 
 
LIABILITIES: 
Capital Stock Paid In________ $ 
Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund DepositS--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
10,000.00 8, 702.31 none none 
89,220.85 none 
90,402.79 none none 
146.37 none none none 
none none none none 
 
Total------------------------$ 223,472.32 
 
 70 
 
FoT:RTH AxxuAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
PLANTERS BANK 
 
Carlton, Ga. 
 
President, L. H. EBERHARDT 
 
Vice-Presidents, T. J. STEVENS, A. :F 
 
EBERHARDT 
 
Cashier, P. B. LITTLE 
 
RESOURCES: 
Time Loans and Discounts____ $ 
Demand Loans--------------Vnited States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ AdYances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ Other Checks and Cash Items. Letters of Credit and AcceptO vaenrcdersa f t-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_~_-_ Other Assets ________________ _ 
 
57,797,25 none none none 
750.00 none 
1,700.00 1,844.90 
none 
1,109.17 
1,616.84 none none 
none none none 
nc.ne 51 
none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__e_s Other Liabilities____________ _ 
 
25,000.( non non 
148.! non non 
10,957.8 non 
25,444.9 non non 14.5 non non 
3,252.5 
non non non non 
 
't'otal 
 
---------------$ 64,818.67 Tota! ------------------------$ 64,818.6: 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF FRANKLIN COUNTY 
 
Carnesville, Ga. 
 
President, 0. S. STRICKLAND 
 
Vice-President, DR. B. T. SMITE 
 
Cashier, L. F. LENHARDT 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------l!nited States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton______ ---Advances on Other Commodi- 
ties ---------- ------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-)-_-_-_-_-_-_-_-_-_-_-_ Other Assets_________________ 
Total ------------------------$ 
 
93,265.74 none none none none 
100.00 800.00 2,450.56 17,000.00 
none 
15,072.74 n0ne 
1,808. 75 
n0ne 175.00 926.06 
none 275.84 325.60 
132,200.29 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuvei dteon dBs aUn knsp_a_i_d_ -_-_-_-_-_-_-_-_-_-_-_- -_ 
Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o_s_i_t______ Trust Fund Deposits_________ Cashier's Checks____________ _ Certified Checks_____________ _ 
Bills Payable----------------Notes and Bills Rediscounted. Letters of Credit and Accept- 
RBeoannedcrsvees Bf-oo-rr-r-Ion-w-tee--rde-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities_____________ 
 
25,000.01 nonE 
llOllf 
1,52l.ll nont nonE 
65,873.31 nonE 
5,428.6l nonE nonE 
1,652.9 nonE 
27,724.1 nonE nonE 
non; nonE 5,000.0 
 
Tota! ------------------------$ 132,200.2S 
 
 DEPARTMENT OF BANKING 
 
71 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK Carrollton, Ga. 
 
President, A. K. SNEAD 
 
Vice-President, LEWIS S. SIMS Cashier, GRADY COLE 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned____ Due from F'ederal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ 
.\dvances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
Cther Assets----------------- 
 
487,374.06 6,000.00 none none none none none 5,000.00 
15,397.50 
none 
50,312.30 nnne 
6,500.00 
150.00 7,097.63 
none 
none none none 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ 
 
Amount Reserved for Branches 
 
SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Banks________________ 
 
Deposits Subject to Check____ 
 
Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__--_ 
 
TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
 
Certi 
Bill~ 
 
fPieady 
 
aCbhlee_c_k_s_ 
 
-_-_-_-_-_-_-_-_-_-_-_-_- 
 
_- 
 
Notes and Bills RediscountedLetters of Credit and Accept- 
 
He~aenrcvees Bonds 
 
Bf-oo-rr-r-Ion-w-t 
 
ee- -dr e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-e_-s_ 
 
Other Liabilities_____________ 
 
50,000.00 none 
30,000.00 6,168.16 none none 
199,046.2Q 7,182.17 350.00 
137,023.05 none 
1,943. 71 none 
146,118.20 none 
none none none none 
 
Total ------------------------$ 577,831.49 Total ------------------------$ 577,831.49 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PEOPLES BANK Carrollton, Ga. 
 
President, G. W. FLEMING 
 
Cashier, G. C. COOK 
 
RESOURCES: 
Time Loans and Discounts____$ Demand Loans ______________ _ United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash ItemsLetters of Credit and AcceptOvaenrcdersaf-ts--(-i-f-a-n--y-)-_-_-_-_-_-_-_-_-_~_-_ Other Assets_________________ 
 
Total 
 
$ 
 
LIABILITIES: 
 
299,761.16 3,447.99 none none 2, 700.00 none none 5,385.00 7,649.36 
51,481.27 
220,625.12 24,575.88 29,764.00 
none 480.77 462.22 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_~_-_-_-_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
TCraus hs ti e Fr ' su nCd hDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_- 
RC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed_____________ 
Other LiabilitieS------------- 
 
I none 
none 3,433.61 
 
649,766.38 TC>tal - 
 
--------------$ 
 
60,000.00 none 
30,000.00 9,681.48 none none 
396,797.73 13,000.00 19,526.52 
119,964.46 none 
796.19 none none none 
none none none none 
649,766.38 
 
 72 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CARTERSVILLE Cartersville, Ga. 
 
President, J. W. VAUGHAN 
 
Vice-Presidents, J. J. HILL, C. M. MILAM 
 
Cashier, C. M. MILAM 
 
RESOURCES: 
 
Time Loans and Discount,s____$ 486,320.94 
 
Demand Loans--------------- 10,765.98 
 
United States Securities______ 16,746.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
4,800.00 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
2,025.00 none 
 
Furniture and Fixtures ______ _ 
 
7,240.00 
 
Other Real Estate Owned____ 
 
9,280.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 39,816.87 
 
Due from Other Approved Re- 
 
serve Agents and Ca,sh in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
56,113.28 20.00 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 3,388.82 
 
Other Checks and Cash Items_ 
 
7,280.73 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets_________________ 
 
none none none 
 
----- 
 
Total ------------------------$ 643,797.62 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit .Time Certificate of Deposit___ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-rI-on-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_- _-e-s_ 
Other LiabilitieS------------- 
 
100,000.00 none 
60,000.00 10,970.79 
40.00 none 267,430.87 none 74,265.78 87,369.22 none 182.70 38.97 none 43,499.29 
none none none none 
 
Total------------------------$ 643,797.62 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CASSVILLE Cassville, Ga. 
 
President, J. B. CRAWFORD 
 
Vice-President, G. W. BATTLE 
 
Cashier, W. C. LANE 
 
RESOURCES. 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
 
45,272.20 none none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_- 
 
none none none 1, 7 41.13 
 
Furniture and Fixtures_______ 
 
1,586.67 
 
Other Real Estate Owned---- 
 
2,000.00 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
8,613.43 3,407.40 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
- - - - Other Assets_________________ 
 
913.69 
 
Total ------------------------$ 63,534.52 
 
LIABILITIES. 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check ___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ BCie!rItsif.iPeadyaCb'lhee_c__k_s_-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other LiabilitieS------------- 
Total------------------------$ 
 
15,000.00 none 
250.00 739.99 
none none 11,681.27 11,500.00 24,183.26 none none none none none none 
none none none none 
63,534.52 
 
 DEPARTMENT OF BANKING 
 
73 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CAVE SPRING Cave Spring, Ga. 
 
President, A. N. TUMLIN 
 
Vice-Presidents, B. T. WILLIAMS, T. R. SNEAD Cashier, J. F. NIGHT 
 
RESOURCES: 
 
Time Loans and Discounts____ , 136,932.83 
 
Demand Loans--------------united States Securities______ 
 
none none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,500.00 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------~ Furniture and Fixtures______ _ 
 
1, 775.80 2,884.21 
 
Other Real Estate Owned____ 
 
4,000.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 13,585.83 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
17,529.29 none none 
 
Advances on Other Commodi- 
 
ties -----------------~---- Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items- 
 
26.00 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets ________________ _ 
 
none 172.33 
none 
 
---- 
 
Total ------------------------$ 178,406.29 
 
LIABILITI~S: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Dep-osit Time Certificate of Deposit--Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks____________ _ Certified Checks______________ Bills Payable_________________ 
Notes and Bills RediscountedLetters of Credit and Accept- 
RBeoasnendrcsveesBf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e-s-_ 
Other Liabilities------------- 
 
25,000.00 none 
25,000.00 5,890.64 none none 
82,823.53 none 
38,789.37 none none 
902.75 none none none none 
none none none 
 
Total------------------------$ 178,406.29 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE COMMERCIAL BANK OF CEDARTOWN Cedartown, Ga. 
 
President, R. 0. PITTS 
 
Vic~ Presidents, A. W. STUBBS, A. E. YOUNG Cashier, E. L. HENDERSON 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
 
863,167.57 160,841.10 
 
United States Securities______ 62,700.00 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_--l-. 
Furniture and Fixtures______ f 
 
none none 4,050.00 
31,927.80 
 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
 
27,580.84 none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
231,1~9.10 
none none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--- 
 
none 9,005.59 
 
Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ -_ -_ -_ _- _- _- _- -_ 
 
678.62 
none 2,679.74 
 
Other 
 
A 
 
ss 
 
ets- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
--------- 
 
- 
 
none 
-- 
 
Total ------------------------$ 1,393,810.36 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit 'l''ime Certificate of Deposit--Savings Deposits------------Trust Fund Deposits_________ Cashier's Checks_____________ 
Ctrtified CheckS-------------Rills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances ------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
140,000.00 none 
200,000.00 101,217.05 
164.00 231.49 577,799.40 219,271.49 
none 140,588.84 
none 4,648..'16 
39.93 none none 
none none 9,850.00 none 
 
Total ------------------------$ 1,393,810.36 
 
 74 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS & MERCHANTS BANK Charing, Ga. 
 
President, L. L. PURVIS 
 
VicePresident, R. 0. RODGERf Cashier, A. M. HALLEY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults --------------------Due from Other Banks_______ Advances on Cotton__________ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
OOtvahenercrdersAafs-tss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_--_- 
 
25,498.38 2,060.00 none none none none 1,335.82 2,155.96 none 
none 
38,323.34 104.17 
6,604.47 none 
none none 
none none 2,232. 71 
 
Ca.pital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bill.s RediscountedLetters of Credit and Accept- 
RBEoasnnedcrsvees Bf-oo-rr-r-Ion-w-t ee- d-r e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities____________ _ 
 
15,000.0 non 
740.1 3,916.8 
non non 26,601.4 non 32,054.6 non non 
1.8 non none none 
none none none none 
 
Total 
 
78,314.85 Total ------------------------$ 78,~ 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
COHUTTA BANKING CO. Chatsworth, Ga. 
 
President, C. N. KING 
 
VicePresidents, J. L. COLE, R. NOEL STEED 
Cashier, T. W. BROOKS 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a-n--k-s__-_-_-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities --------- _------------- 
Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ Other Assets_________________ 
 
159,380.85 5, 736.21 none none none none 1,915.31 3,297.26 
16,816.19 
none 
28,866.52 none 
25,916.65 
none none 182.71 
none 2,883.69 4,290.48 
 
Total ------------------------$ 249,285.87 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
Certified Checks-------- ..----Pllls Payable~--------------- Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
15,000.00 none 
3,000.00 none none none 
113,578.94 none 
94,314.44 none 
15,674.47 524.02 none none 
7,194.00 
none none none none 
 
Total ------------------------$ 249,285.87 
 
 DEPARTMENT OF BANKING 
 
75 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CHAUNCEY Chauncey, Ga. 
 
President, J. J. CADWELL 
 
Vice-Presidents, B. N. BUSSEY, M. WILLIAMS Cashier, V. I. BU'fT 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
PuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House___ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets ________________ _ 
 
136,411.11 1,014.06 none none none 6,500.00 3,699.40 3,305.66 1,321.13 
none 
4,094.84 46.92 
290.06 
6,969.91 none 
245.87 
none 1.30 
4,128.25 
 
Total ------------------------$ 168,028.51 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit 'Sl'aimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed__ _: _________ _ 
Other Liabilities------------- 
 
25,000.00 none none 
4,737.12 none tone 
47,082.19 32,000.00 40,604.46 
IL0ll8 
none 113.28 
none 8,000.00 10,491.46 
none none none none 
 
Total------------------------$ 168,028.51 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
CHESTER BANKING COMPANY Chester, Ga. 
President, D. A. BURCH Vice-Presidents, J. F. FORDHAM, J. W. WITHERINGTON Cashier, P. M. BURCH 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _-_-_-_-_-_-_-_-_- _01 her Assets_________________ 
Total------------------------$ 
 
74, 726.07 none none none none none 
3,495.85 1, 741.89 8,166.41 
none 
6,691.42 none none 
none 69.44 305.21 
none none none 
95,196.29 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e__p_o_s_i_L__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _PCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes BOothnedrs LBiaobrirloitwieesd__--_-_-_-_-_-_-_-_-_-_--_ 
Total ------------------------$ 
 
22,800.00 none none 
1,811.66 none none 
35,172.33 none 
14,000.17 none none 
412.13 none 
21,000.00 none 
none none none none 
95,196.29 
 
 76 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CHICKAMAUGA Chickamauga, Ga. 
 
President, C. M. PRESTO::"r 
 
Vice-Presidents, TOM W. LEE, W. E. 'l'OMLINSON 
 
Cashier, C. DUNAWAY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 241,597.53 
 
Demand Loans--------------- 
 
none 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House_______________ 
 
none 7,144.00 
 
Furniture and Fixtures______ _ 
 
1,500.00 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
43,534.46 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
415.76 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-__-_-_-_-_--_ Other Assets ________________ _ 
 
none 170.10 
none 
 
----- 
 
Total ------------------------$ 294,361.85 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Cettificate of Deposit___ ~a vings Deposits___________ _:_ 
CTraushstierF'sunCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks______________ F:ills Payable ________________ _ 
Notes and Bills RediscountedLetters of Credit _and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities-.------------ 
 
25,000.00 none 
17,500.00 5,907.27 none none 
146,783.89 none 
2,498.00 96;441.69 
none 231.00 
none none none 
none none none none 
 
Total------------------------$ 294,361.85 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS & MERCHANTS BANK 
 
Chipley, Ga. 
 
President, W. B. WISDOM 
 
Vice-President, C. T. HILL 
 
Cashier, ROY ASKEW 
 
RESOURCES: 
 
Time Loans and Discounts----$ 227,018.51 
 
Demand Loans--------------United States Securities______ 
 
2,792.44 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,800.00 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
450.00 3,000.00 
 
Furniture and Fixtures_______ 
 
5,582.00 
 
Other Real Estate Owned___ _ 23,399.65 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
8,347.37 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
4, 769.90 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 150.72 
 
Other Checks and Cash Items_ 
 
1,724.56 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ -_ _- _- _-_-_-_-_-_- -_ Other Assets_______________ -- 
 
none 2,583.90 16,136.84 
 
----- 
 
Total ------------------------$ 297,755.89 
 
LIABILITI~S: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks_____________ _ B>lls Payable ________________ _ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnendrcsveesBf-oo-rr-r-oIn-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_-_-e-s_ Other Liabilities_____________ 
 
50,000.00 none 
10,000.00 none 58.00 none 
59,130.26 16,000.00 69,815.46 15,018.45 32,758.36 
841.20 none 
12,500.00 30,634.16 
none none none 10,000.00 
 
Total ------------------------$ 297,755.89 
 
 DEPARTMENT OF BANKING 
 
77 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
HABERSHAM BANK 
 
President, DR. J. K. BURNS JACKSON 
 
Clarkesville, Ga. Vice-Presidents, J. A. ROBERTSON, DR. J. B. Cashier, F. l\L REEVES 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
Adn:mces on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
O faenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Oher Assets_________________ 
 
176,935.81 3,669.05 none none none none 4,215.00 2,545.00 800.00 
none 
59,308.95 70,000.00 
none 
none 111.48 
none 
none none 3,467.05 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ D<imand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--'------Cashier's Checks____________ _ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bins Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-rI-on-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
25,000.00 none 
10,000.00 4,539.01 none none 
90,578.61 none 
190,490.16 none none 
444.56 none none none 
none none none none 
 
Total ------------------------$ 321,052.34 Total ------------------------$ 321,052.34 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK OF CLAXTON Claxton, Ga. 
 
President, R. R. TIPPIN'S 
 
Vice-Presidents, C. M. RUSHING, JR., W. S. FREEMAN Cashier, M. LANGFORD 
 
RESOURCES: 
 
LIABILITIES: 
 
--------~==~~~------------.----------------------------- 
 
Time Loans and Discounts----$ 110,351.58 Capital Stock Paid In________ $ 30,000.00 
 
Demand Loans--------------- 
 
1,417.53 Amount Reserved for Branches 
 
none 
 
United States Securities______ State of Georgia Bonds______ 
 
none none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
 
4,000.00 1,251.82 
 
Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_S_-_-_-_-_--_ 
 
1,000.00 Dividends Unpaid ____________ _ none Due to Banks________________ 
8,257.95 Deposits Subject to Check____ 
 
none none 
42,725.62 
 
Furniture and Fixtures______ _ 
 
4,523.34 Dt-mand Certificates of Deposit 
 
none 
 
Other Real Estate Owned---Due from Federal Reserve 
 
none Time Certificate of Deposit_ __ Savings Deposits_____________ 
 
40,518.76 2,804.90 
 
Bank ---------------------Due from Other Approved He- 
 
5,342.40 Trust Fund Deposits--------Cashier's Checks_____________ 
 
16,323.04 1,925.21 
 
serve Agents and Cash in 
 
Certified Checks-------------- 
 
none 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k---s-_-_-_-_-_-_-_ 
 
7,898.29 Bills Payable ____ ------------none Notes and Bills Rediscounted_ 
 
none none 
 
Advances on Cotton_________ _ 
 
none Letters of Credit and Accept- 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--- 
 
none 391.94 
 
RBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-tee--rde-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
 
none none none 
 
Other Checks and Cash Items_ 
 
48.00 Other Liabllities____________ _ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_ _- _- _- _-_-_-_-_-_-_Other Assets_________________ 
 
none 318.32 
none 
 
----- 
 
Total ------------------------$ 139.549.35 Total _____ ~------------------$ 139,549.35 
 
 78 
 
FoGRTH A:NNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CLAXTON BANK Cla.xton, Ga. 
 
President, C. S. GRICE 
 
Vice-Presidents, E. BULLOCK, N. A. THAGGARD Cashier, PAUL B. LEWIS 
 
RESOURCES: 
 
Time Loans and Discounts ____ $ Demand Loans______________ _ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in Vaults -------------------- 
Due from Other Banks_______ Advances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
ChE'cks for Clearing House--Other Checks and Cash Items_ LE"tters of Credit and Accept- 
O vaenrcdersa f -t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ Gther Assets ________________ _ 
 
169,600.35 240.00 
2,375.50 none none 
100.00 6,000.00 2,122.19 2,948.06 
none 
110,931.77 none none 
none 167.20 
none 
none 443.32 
none 
 
Total ------------------------$ 294,928.39 
 
LIABILITIES: 
Capital Stock Paid In--------$" Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BC ei lrltsi f Pi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
50,000.00" none 
15,000.00 13,084.92 
none none 44,660.20 none 157,664.25 none 14,208.44 136.00 174.58 none none 
none none none none 
 
. 
 
Total ------------------------$ 294,928.39 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CLAYTON Clayton, Ga. 
 
President, J. C. DOVER 
 
Vice-President, W. S. LONG Cashier, T. A. DUCKETT 
 
RESQURQES: 
 
Time Loans and Discounts----$ 242,278.66 Demand Loans______________ _ 11,500.00 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
fJtock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcoksusaen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures______ _ 
 
4,545.00 
1,400.00 1,000.00 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
81,969.04 36,000.00 
none 
 
Adyances on Other Commodities ----------------------- 
Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_ ____ 
 
3n15o.n4e5 
 
Other Assets_________________ 
 
3,751.65 
 
----- 
 
Total ------------------------$ 382,759.80 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit__ . Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities_____________ 
 
25,000.00 none 
15,000.00 9,199.58 none none 
168,269.91 none 
162,225.55 none none 
3,064. 76 none none none 
none none none none 
 
Total ------------------------$ 382,759.80 
 
 DEPAI~TJ\IE="T OF BANKINCt 
 
79 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CLERMONT BANKING COMPANY Clermont; Ga. 
 
President, J. ::\I. HAYNES 
 
Vice-President, H. ~I. GAILEY 
 
Cashier, W. V. GRANT 
 
RESOURCES: 
 
LIABILITIES: 
 
Cime Loans and Discounts____ $ 32,683.91 
 
)emand Loans--------------Jnited States Securities______ 
 
3,197.00 none 
 
ltate of Georgia Bonds_____ _ 
 
none 
 
ltock in Federal Reserve Bank 
 
none 
 
3)tahnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ !'urniture and Fixtures______ _ 
 
none 1,461.84 
1,956.75 
 
)ther Real Estate Owned.---- 
 
none 
 
)ue from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approv.ed Re- 
 
serve Agents and Cash in 
 
)uVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ "dvances on Cotton__________ 
 
36,005.53 none none 
 
\dv&nces on Other Commodi- 
 
ties ----------------------:"!leeks for Clearing House---  
 
none none 
 
)ther Checks and Cash Items_ 
 
87.11 
 
~etters of Credit and Accept- 
 
)vaenrdceras ft-s--(-if--a-n-y-)--_-_-_-_-_-_-_-_-__~-_ )ther Assets_________________ 
 
none 23.95 none 
 
----- 
 
rota! ------------------------$ 75,416.09 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Sub~ect to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks------------BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.00 none 
500.00 2,434.56 
none none 36,810.35 none 20,652.70 none none 18.48 none none none 
none none none none 
75,416.09 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS & MERCHANTS BANK Cleveland, Ga. 
 
"resident, H. A. JARRARD 
 
Vice-President, C. H. EDWARDS 
 
Cashier, W. L. NORTON 
 
RESOURCES: 
 
Cime Loans and Discounts----$ 85,642.52 
 
)emand Loans--------------Jnited States Securities______ ltate of Georgia Bonds______ 
 
1,830.29 none none 
 
ltock in Federal Reserve Bank 
 
none 
 
3)tahnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_~urniture and Fixtures ______ _ 
 
none 2,004.92 2, 755.79 
 
)ther Real Estate Owned____ 
 
2,900.00 
 
)ue from Federal Reserve 
 
D uBea nf rko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
JuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ \dvances on Cotton_________ _ 
 
13,843.12 none none 
 
\dyances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
:'hecks for Clearing House __ _ 
 
1,646.52 
 
)ther Checks and Cash Items_ 
 
537.78 
 
~etters of Credit and Accept- 
 
)vaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ )ther Assets_________________ 
 
none 147.61 
none 
 
----- 
 
Cotal ------------------------$ 111,308.55 
 
LIABILITI.~<;S: 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ 
 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit 'l'ime Certificate of Deposit___ Savings Deposits_____________ 
 
Trust Fund Deposits--------Cashier's Checks------------BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
RBeoasnnedrcsvees 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities____________ _ 
 
15,000.00 none 
3,000.00 1,101.81 
none none 36,505.13 none 27,028.04 6,886. 74 none 1,323.24 none 17,963.58 2,500.00 
none none none none 
 
Total------------------------$ 111,308.55 
 
 80 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
Showing Condition at Close of Business December zs, 1923 
of the 
 
WHITE COUN'TY BANK Cleveland, Ga. 
 
President, A. M. DEAN 
 
Vice-Presidents, J. W. H. UNDERWOO'D, J. H. TELFORI Cashier, F. G. MAUNEY 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ BF ua nr nkiitnugr eHaonuds eF-i x- -t-u-r-e-s-_-_-_-_-_-_- -_ Other Real Estate Owned___ _ Due from Federal Reserve 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-serve Agents and Cash in 
:CVueaufrlotsm -O--th--e-r-B--a-n-k--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_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ Other Assets_________________ 
 
150,140.98 5,87 4.46 1,300.00 none none none 2,026.05 2,693.26 1,971.34 
none 
28,893.35 22,601.00 
none 
none 922.94 388.82 
none 268.17 3,511.95 
 
Total 
 
- $ 220,592.32 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnercvees f-o-r--In--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed-------------Other LiabilitieS------------- 
 
15,000.0 non 
5,000.0 5,363.1 
non non 59,276.3 non 135,761.9 non non 190.9 non non non 
non non non non 
 
Tot.ll 
 
-$ 220,592.3 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE FARMERS BANK 
 
Climax, Ga. 
 
President P. H. TRULOCK 
 
Vice-Presidents F. C. HERRING A. S. CUHR 
 
Cashier, W. B. JOHNSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 126,960.88 
 
Demand Loans--------------United States Securities______ 
 
2,682.38 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------Furniture and Fixtures_______ 
 
2,500.00 800.00 
 
Other Real Estate Owned ___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
23,099.63 
 
serve Agents and Cash in 
 
LuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
none none none 
 
Advances on Other Commodi- 
 
ties ----------------------Cr.ecks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none 103.28 
none 
 
----- 
 
Total ------------------------$ 156,146.17 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------Trust Fund Deposits ________ _ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-esBonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
25,000.01 nonf 
15,000.01 7,454.9 non1 non1 
52,571.9: non1 
20,040.3: non1 
non~ 
79.01 non1 34,000.01 2,000.01 
llOlll 
llOlll 
nOn I llOlll 
 
 DEPART~IENT OF BANKING 
 
81 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF COBBTOWN 
 
Cobbtown, Ga. 
 
President, J. H. GLISSON 
 
Vice-Presidents, G- W. MULLING, E. p_ SIKES 
 
Cashier, D_ E. FLANDERS 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans_______________ United States Securities______ State of Georgia Bonds______ 
 
48,825.97 1, 712.40 none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ 
 
none none 2,000.00 3,165.00 none 
 
Due from Federal Reserve Hank ---------------------- 
Due from Other Approved He- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
4,530.13 none none 
 
Advances on Other Commodi- 
 
none 
 
ties ----------------------Clecks for Clearing House__ _ 
 
none 
 
Other Checks and Cash Items_ Letters of Credit and Accept- 
 
139.61 none 
 
Ovaenrcdersaft-s--(-i-f -a~n-y--)-_-_-_-_-_-_-_-_-_-_-_ 
 
none 
 
Other Assets ________________ _ 
 
none 
 
----- 
 
rota! ------------------------$ 60,373.11 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Heserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks_______________ _ Deposits Subject to Check ___ _ Demand Certificates of Deposit 'l'ime Certificate of Deposit--Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks-------------Dills Payable__________ ------Notes and Bills Hediscounted_ Letters of Credit and Accept- 
ances ---------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ----- ________ -----------$ 
 
1,500.00 none 
3,000.00 3,168.93 
none none 11,751.22 none 12,918.10 none none 534.86 none 14,000.00 none 
none none none none 
60,373.11 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK OF COCHRAN Cochran, Ga. 
 
President, J. A. FISHER 
 
Vice-President, J. S. HELMS (Decease,l) 
 
Cashier, L. S. LEACH 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 154,406.14 
 
Demand Loans______________ _ 
 
none 
 
United States Securities_____ _ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House______________ _ Furniture and Fixtures______ _ 
 
none none none none 
 
Other Real Estate Owned ___ _ 17,833.80 
 
Due from Federal Reserve Hank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ Advances on Cotton __________ _ 
 
none 152.86 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ 
 
none none none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_- _- 
 
nnoonnee 
 
Other Assets_________________ 23,933.32 
----- 
 
Total ------------------------$ 196,326.12 
 
LIABILITIES: 
Capital Stock Paid In ______"--$ Amount Reserved for Branches SUunrdpilvuids ed--P--ro--fi-t-s-_-_-_-_-_-_-_-_-_-_~_"_-_-_ Dividends Unpaid ____________ _ Due to Banks_______________ _ Deposits SubjeCt to Check____  Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ 
RCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
25,000.00 none 
5,000.00 none none none none none none none none none none none none 
none none none 166,326.12 
 
Total ------------------------$ 196,326.12 
 
 82 
 
FouRTH AKNTAL REPOltT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
COCHRAN BANKING COMPANY Cochran, Ga. 
 
President, J. P. PEACOCK 
 
Vice-President, W. 0. PEACOCK 
 
Cashier, J. A. WALKER 
 
RESOURCES: 
DTiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
United States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve Hank ---------------------Due from Other Approved Reserve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f -t s- -(-i-f -a-n- -y-) -_-_-_-_-_-_-_-_-_-_-_ Other Assets _________________ _ 
 
434,395.92 15,135.28 none none none 3,315.00 5, 770.00 2,680.50 21,651.04 
none 
112,572.05 474.70 
5,689. 70 
none none 380.65 
none none 3,525.00 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ 
Amount Reserved for Branches 
SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ 
Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks____________ _ Certified Checks_____________ _ Bills Payable ________________ _ 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
R<oasnecreves 
 
-------------------~for Interest and Taxes 
 
Bonds Borrowed____________ _ 
 
Other Liabilities____________ _ 
 
75,000.00 none 
75,000.00 32,560.23 
none none 241,528.73 none 150,262.34 none 22,506.94 2,537.60 
1.00 none none 
none 6,193.00 
none none 
 
Total ------------------------$ 605,589.84 Total ------------------------$- 605,589.84 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
STATl: BANK OF COCHRAN Cochran, Ga. 
 
Vice-Presidents, J. R. PORTER, I. A. WILLIS 
 
Cashier, IJ. S. LEACH 
 
RESOURCES: 
 
TDiemmeanLdoanLsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
 
111,382.35 4,369.96 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
none 3,816.67 
 
Furniture and Fixtures______ _ 
 
2,572.55 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ Advances on Cotton _________ _ 
 
17,144.07 1,000.00 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for C'learing House __ _ 
 
none 1,045.18 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances ------------------ ::-Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
120.00 
 
----- 
 
Total ------------------------$ 141,450.78 
 
LIABILITIES: 
Capital Stock Paid In ________ $ 
Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks_______________ _ 
Deposits Subject to Check____ Demand Certificates of Dep>Sil Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ Certified Checks_____________ _ Bills Payable ________________ _ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------HBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
25,000.00 none none 
567.73 none none 56,847.80 16,000.00 29,118.94 1,487.39 none 428.92 none 8,000.00 none 
none none none 4,000.00 
 
To till ------------------------$ 141,450.78 
 
 DEP.\RT:\IEKT' OF BAXKIXG 
 
83 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MADISON COUNTY BANK Colbert, Ga. 
 
President, J. K. GHOLSTON 
 
Vice-President, H. H. HART 
 
Cashier, J. L. WILLIAMS 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds_____ _ 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
 
100,516.62 1,125.00 none none none none 2,205.00 
1,250.00 9,106.32 
 
Hank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ Advances on Other Commodi- 
 
14,267.75 none none 
 
ties --~-------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items- 
 
300.73 
 
Letters of Credit and Accept- 
 
 O vaenrcdersa f t-s- -(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_- -_ 
 
2n61o.n0e1 
 
Other Assets_________________ 
 
5,582.14 
 
----- 
 
'l'otal ------------------------$ 134,614.57 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificato>s of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BC ielrltsi fPi eady aCbhl .e_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities_____________ 
 
15,000.00 none 
3,000.00 none none none 
40,504.32 none 
43,046.92 none none 63.33 none 
9,500.00 none 
none none none 23,500.00 
 
Total ------------------------$ 134,614.57 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF COLLEGE PARK College Park, Ga. 
 
President, J. H. LONGINO 
 
Vice-President, W. S. COX 
 
Cashier, G. F. LONGINO, JR. 
 
RESOURCES: 
 
Time Loans and Discounts----$ 175,163.76 
 
Demand Loans--------------United States Securities______ 
 
24,776.12 6,750.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ 
 
none 
 
Banking House______________ _ 11,663.41 
 
Furniture and Fixtures______ _ 
 
2,493.63 
 
Other Real Estate Owned____ 
 
6,060.51 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
29,435.62 none none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items- 
 
485.72 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-______ Other Assets ________________ _ 
 
none none 25.00 
 
---- 
 
Total ------------------------$ 256,853.77 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check____ Df'mand Certificates of D,posit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks_____________ BCielrltsi fPi eady aCbhl ee_c_k_ s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
 
25,000.00 none 
15,000.00 6,834.74 none none 
136,136.48 11,024.18 none 60,249.45 1, 703.74 297.18 none none none 
none none none 608.00 
 
Total ------------------------$ 256,853.77 
 
 84 
 
FouRTH ANNT:AL HEPORT 
 
STATEMENT Showing Condition at Close of :Qusiness Deeember 28, 1923 
of the BANK OF COLLINS 
Collins, Ga. 
 
President, W. H. YEOMANS 
 
Vice-President, J. J. KENNEDY 
 
Cashier, ,T, L. MERCER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
 
Furniture and Fixtures______ _ 
 
Other Real Estate Owned---Due from Federal Reserve 
 
Hank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
 
DuVeaufrlotsm 
 
-O- -t 
 
h- -e-r- 
 
B- -a-n-k- -s 
 
-_-_-_-_ 
 
_- 
 
-- 
_5>_ 
 
Advances on Cotton_________ _ 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
Other Checks and Cash Items_ 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ _- _- _-_-_-_-_- -_ C1ther Assets ________________ _ 
 
Total ------------------------$ 
 
59,634.76 none none none none 
1,250.00 3,000.00 1, 700.00 2,813.40 
none 
21,667.95 none none 
none none none 
none none none. 
90,066.11 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks____.___________ _ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ 5avings Deposits____________ _ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks _____________ _ Bills Payable________________ _ Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--I-n-t-e-r-e-s-t -a-n-d--T--a-x-e-s Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none 
1,250.00 1,251.37 
none none 34,897.47 none 27,207.99 none none 459.28 none none none 
none none none none 
90,066.11 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
COLQUITT EXCHANGE BANK Colquitt, Ga. 
 
President, CHAS. C. BUSH 
 
Vice-President, R. E. FUDGE 
 
Cashier, .T. :M. MILLJ<JR 
 
REBOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
United States Securities-----State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Hank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-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_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets----------------- 
 
44,163.36 10,876.94 
none none none none 3,249.25 2,715.00 98.70 
none 
33,547.62 none 
3, 725.61 
6,953.53 148.55 51.00 
none none 118.13 
 
Total -------------------------$---1_0_5_,6_4_7-.6-9 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------ECinlltsifiPeadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
25,000.00 none none none none none 
61.609.07 none 
5,150.00 3,062.16 
none 10,777.46 
49.00 none none 
none none none none 
 
Tc.tal ------------------------$ 105,647.6H 
 
 DEPARTMENT OF BAXKIXG 
 
8i) 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
COLUMBUS LOAN AND BANKING CO. Columbus, Ga. 
 
President, T. A. WILLIAMS 
 
Vice-President, J. B. EVERIDGE 
 
Cashier, J. STACY JONES 
 
RESOURCES: 
 
LIABILITIES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
234,853.09 36,909.84 
 
United States Securities______ 
 
3,000.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
450.00 none 
 
Furniture and Fixtures______ _ 
 
7,084.69 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
12,936.70 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none 2,034.04 
 
Other Checks and Cash Items_ 
 
1,162.52 
 
Letters of Credit and Accept- 
 
ances -------------------.::-- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
Cther Assets_________________ 
 
755.27 
 
----- 
 
Total ------------------------$ 299,186.15 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ 
Due to Banks~--------------Deposits Subject to Check____ Demand Certificates of Dep.osit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
BCHe rltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-te-e-dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ 
Other Liabilities------------- 
 
50,000.00 none 
10,000.00 7,559.68 4.00 none 
124,203.06 6,000.00 9,000.00 
87,419.41 none none none 
5,000.00 none 
none none none none 
 
Total ------------------------$ 299,186.15 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
COLUMBUS SAVINGS BANK & TR.UST CO. Columbus, Ga. 
 
P1esident, W. C. BRADLEY 
 
Vice-Presidents, H. B. CROWELL, GEO. C. BATES 
 
Treasurer, H. B. PATTERSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bon.ds______ Banking House______________ _ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House-- ()ther Checks and Cash Items_ Letters of Credit and Accept- 
O vaenr dc er sa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ 
Other Assets----------------- 
 
739,870.42 571,7 45.44 144,850.00 
none none 978,000.00 136,978.67 21,610.92 5,000.00 
none 
none 111,447.10 
273.83 none 
none none 
none none 14,603.83 
 
Total -----~------------------$ 2, 724,380.21 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ 250,000.00 
 
Amount Reserved for Branches 
 
none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s_-_-_-_-_-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ 
 
200,000.00 12,723.41 
4.00 
 
Due to Banks---------------- 
 
none 
 
Deposits Subject to Check____ 201,746.43 
 
Demand Certificates of Deposit 
 
none 
 
STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
 
39,720.54 2,015,145.78 
none 
none none none 
 
Notes and Bills Rediscounted- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------~-----------Reserve for Interest and TaXJ)s Bonds Borrowed____________ _ 
 
none 3,901.23 
none 
 
Other Liabilities------------- 
 
1,138.82 
 
Total ------------------------$ 2, 724,380.21 
 
 86 
 
Fo1:RTH ANxuAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
HOME SAVINGS BANK Columbus, Ga. 
 
President, RHODES BROWNE 
 
Vice-President, Wm. B. LANGDON 
 
Treasurer M. L. PATTERSON, JR. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------~ Furniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Item~ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _-_-_-_-_-_-_-_-_- _- 
Other Assets----------------- 
 
913,475.37 64,996.83 46,690.36 none none 
382,216.00 none none none 
none 
22,340.66 none none 
none none none 
none noue 9,475.77 
 
Total ------------------------$ 1,439,194.99 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ 50,000.00 
 
Amount Reserved for Branches 
 
none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ 
 
40,000.00 14,110.47 
26.00 none 
 
Deposits Subject to Check____ 
 
none 
 
Demand Certificates of DepJsit 
 
none 
 
Time Certificate of Deposit_ __ 
 
2,725.00 
 
Savings Deposits____________ _ 1,228,608.22 
 
Trust Fund Deposits_________ Cashier's Checks_____________ 
 
5,108.53 none 
 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
none 85,000.00 
 
Notes and Bills Rediscounted_ 
 
none 
 
Letters of Credit and Accept- 
 
ances -------------------~Reserve for Interest and Taxes 
 
none none 
 
Bonds Borrowed------------- 
 
none 
 
Other Liabilities------------- 13,616.77 
 
Total ------------------------$ 1,439,194.99 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MERCHANTS & MECHANICS BANK Columbus, Ga. 
 
President, J. B. KEY 
 
Vice-Presidents, S. B. HATCHER, J. T. ELLIS Cashier, J. A. HARLEY 
 
RESOURCES: 
 
Time Loans and Discounts----$ 1,078,361.23 
 
Demand Loans--------------- 225,720.21 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 39,711.00 
 
Banking House--------------- 63,131.99 
 
Furniture and Fixtures------- 32,675.00 
 
Other Real Estate Owned---- 
 
1,626.38 
 
Due from Fede.ral Reserve 
 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
 
154,915.33 17,181.15 
 
Advances on Cotton---------- 143,030.19 
 
Advances on Other Commodi- 
c~!~~s -:r.;~-cl~a~\ng-Hou;~=== 
 
none 25,247.91 
 
Other Checks and Cash Items_ 
 
1,554.02 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ Other Assets ________________ _ 
 
276,702.87 2,263.26 none 
 
Total ------------------------$ 2,062,120.54 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ 
Cashier's Checks------------BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Heserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
200,000.00 none 
200,000.00 72,444.04 100.00 8,829.15 
634,068.64 139,700.00 
15,136.94 603,341.12 
none 6,081.87 
548.43 none none 
181,870.35 none none none 
 
Total ------------------------$ 2,062,120.54 
 
 DEPART~IE::'-iT OF BANKING 
 
87 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MUSCOGEE BANK Columbus, Ga. 
 
President, J. M. MURRAH 
 
Vice-President, W. C. NEILL 
 
Cashier, JNO. W. WILLIS 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
United States Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in Vaults -------------------- 
Due from Other Banks______ _ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O  vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ -_ _- _- _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
259,946.17 31,947.86 none none none 18,900.00 none 6,500.00 none 
none 
33,883.18 92.93 none 
none 2,626.45 1,443.52 
none none 6,343.99 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks____________ _ BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _Notes and Bills Rediscounted_ Letters of Credit and AcceptReasenrcvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed____________ _ Other Liabilities------------- 
 
50,000.00 none 
15,000.00 25,654.07 
none none 103,892.38 500.00 none 138,017.38 none 35.00 81.00 15,000.00 none 
none none none 13,504.27 
 
Total ------------------------$ 361,684.10 Total ------------------------$ 361,684.10 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PHOENIX BANK Columbus, Ga. 
 
President, R. P. SPENCER, JR. 
 
Cashier, CIIAS. W. CAMPBELL 
 
RESOURC:F~S: 
TDiemmeanLdoaLnsoaannsd__D_i_s_c_o_u_n_t_s_-_--_-_:!_> United States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u--s-e-----Other Checks and Cash ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ Other Assets ________________ _ 
Total ------------------------$ 
 
212,197.86 121,109.11 
none none none 1,246.40 none 4,097.18 7,000.00 
none 
19,254.88 none none 
none 1,131.16 6,907.96 
none none none 
372,944.55 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks_______________ _ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsi fPi eady aCbhl ee_c_k_ _s_- _- -_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnercvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed____________ _ Other Liabilities------------- 
 
39,200.00 none 
10,800.00 1,828.46 none 228.00 
140,349.98 none 
3,450.00 151,789.57 
none 145.47 153.07 25,000.00 
none 
none none none none 
 
Total------------------------$ 372,944.55 
 
 88 
 
FocRTH Ax;\TAL REPOHT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE COMER BANK Comer, Ga. 
 
President, J. K. GHOLSTON 
 
Vice-President, GEO. W. WHITEHEAD 
 
Cashier, W. E. HENSLEE 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds ______ _ Banking House______________ _ 
Furniture and Fixtures______ _ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ 
Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------C'hecks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any)--------- __ flther Assets----------------- 
 
179,026.fi2 3,050.07 none none none 2,550.00 1,840.00 2,504.18 
25,524.82 
none 
37,642.37 none 
2,431.87 
none 768.81 
96.75 
none 1,245.46 8,289.65 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits________ _ Cashier's Checks____________ _ Certified Checks _____________ _ Bills Payable ________________ _ 
Notes and Bills RediscountedLett<;lrS of Credit and Accept- 
RBeoasnnedcrsevse Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t_- _-a_-n_-d_-_-T_-a_-x_-_e- -s_ Other Liabilities____________ _ 
 
25,000.00 none 
25,000.00 none 12.00 
4,000.00 
91,686.97 
20,000.00 
57.464.42 19,629.00 
none 
178.11 none 
22,000.00 none none none none none none 
 
Total ------------------------$ 264.970.50 Total ------------------------$ 264,970.50 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PEOPLES BANK Comer, Ga. 
 
President, W. A. ROWE 
 
Vice-President, D. P. MOON Cashier, C. V. RIDGWAY 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities-----State of Georgia Bonds______ f'tock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_-_--_-__ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Othe:r CommodiC ' ht ieecsk s - -f o- r- -C- -l-e-a-r-i n- g- - -H-o-u- -s e- -__- -_ Other Checks and Cash Iteins_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
Other Assets----------------- 
.Total ------------------------$ 
 
65,953.48 25,911.97 10,000.00 
none none 1,575.00 4,000.00 2,470.00 2,123.00 
none 
38,221.28 none 
1,509.24 
none none 590.47 none 272.21 none none 
152,629.65 
 
LIABILITIES: 
 
Capital Stock Paid ln _____-_-_-_-$--2-5-.-o-o-o.-o-o 
 
Amount Reserved for Branches Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
Reasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
none 
13,000.00 3,425.58 none none 
85,964 49 none 
24,857.36 none none 382.22 none none none none none none none none 
 
Total ------------------------$ 152,629.65 
 
 DEPARTMENT OF BANKING 
 
8!1 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
COMMERCE BANK AND TRUST CO. 
 
Commerce, Ga. 
 
President, W. BAXTER SMITH 
 
Vice-President, W. B. RICE 
 
Cashier, JOHN MAPLES 
 
RESOURCES: 
 
Time Loans and Discounts----$ 142,321.94 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
260.95 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOatnhkeir-nSgtoHckosusaen_d___B_o_n_d__s__________ __ Furniture and Fixtures______ _ 
 
4,650.00 
19,290.57 8,830. 70 
 
Other Real Estate Owned___ _ 
 
2,3150.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
4,27 4.13 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
 
8,091.49 112.37 
 
Advances on Cotton---------- 
 
none 
 
Advances. on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none 4,960.97 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ 
 
none none 
 
Other 
 
Ass 
 
e 
 
t 
 
s-- 
 
---- 
 
- 
 
--- 
 
- 
 
---- 
 
--- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 195,143.12 
 
LIABILITI]!;S: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_'L'rust Fund Deposits_________ Cashier's Checks_____________ 
BClelrltsifPieadyaCb'lhee_c_k__s_-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptnBeoasnnedcrsve se Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ 
Other Liabilities------------- 
 
50,000.00 none 
12,0()5.00 18,618.52 
none none 49,545.50 none 2,155.16 none none 167.05 none 4,854.24 48,097.65 none none 
none 9,650.00 
 
Total ------------------------$ 195,143.12 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
NORTHEASTERN BANKING CO. 
 
Commerce, Ga. 
 
President, L. G. HARD::\IAN 
 
Vice-President, W. Y. HARBER 
 
Cashier, C. J. HOOD 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve  Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n--k-s-_-_-_-___--_ Advances on Cotton---------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_ Letters of Credit and Accept- 
ances --------------------OC vt heer rd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
Total ------------------------$ 
 
204,597.91 none 
172,778.80 none 
4,800.00 2,200.00 5.000.00 3, 769.42 24,704.23 
32,697.26 
206,212.87 16.00 
72,544.82 
5,777.14 826.67 none 
none none 425.00 
736,350.12 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeosanendrcsveesBfo-o-rr-rIo-nw-t-ee-dr-e_-s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e-s_Other Liabilities____________ _ 
 
100,000.00 none 
60,000.00 4,970.70 5,000.00 none 
336,170.83 19,686.17 
196,184.75 none 
13,817.08 287.33 207.80 none none 
none 25.46 none none 
 
.Total ------------------------$ 736,350.12 
 
 90 
 
FouRTH AxxeAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CONCORD BANKING CO. Concord, Ga. 
 
President, C. T. SMITH 
 
Vice-President, G. E. STRICKLAND Cashier, S. A. KING 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 107,702.56 
 
Demand Loans--------------United States Securities______ 
 
18,930.93 18,250.92 
 
State of Georgia BondS-----Stock in Federal Reserve Bank 
 
none none 
 
Other Stocks and Bonds----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
675.00 none 2,500.00 none 
 
Due from Federal Reserve 
 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e -- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
 
40,184.39 none none 
 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-ri-n-g--H--o-u-s-e-_-_--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O 
 
ances verdraf 
 
-ts 
 
--- 
(if 
 
---------------any)___________ 
 
none 1, 703.43 
 
Other Assets------------------ - -2,0-81.-26 Total ---------,---------------$ 192,028.49 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
25,000.00 none 
25,000.00 7,492.28 none none 
104,502.31 none 
29, 720.81> none ncne 
313.01> none none none 
none none none none 
 
Total ------------------------$ 192,028.49 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CONYERS Conyers, Ga. 
 
President, W. T. BALDWIN 
 
Vice-President, R. L. HUFF 
 
Cashier, M. W. HDLL 
 
RESOURCES: 
 
Time Loans and Discounts----$ 130,869.92 
 
Demand Loans--------------United States Securities______ 
 
3,978.99 490.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
51,874.78 none 
 
Furniture and Fixtures_______ 
 
4,050.00 
 
Other Real Estate owned____ 20,846.45 
 
Due from Federal Reserve 
 
D uBea nf rko m- - -O- t-h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
55,895.08 none 
 
Advances on Cotton---------- 
 
1,611.21 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 741.44 
 
Other Checks and Cash Items_ 
 
533.69 
 
Letters of Credit and Accept- 
 
OOvt haenercrderAsa fst-ss-e-t(s-i f_-_-a_-n_-_y-_-)_--_--_--_--_--_--_--_--_--_---_- 
 
none 913.77 
none 
 
---- 
 
Total ------------------------$ 271,805.33 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept.- 
RBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities____________ _ 
 
3fl,OOO.Ofl none 
30,000.00 9,193.90 none none 
151,404.42 none 
50,898.87 none none 308.14 none none none 
none none none none 
 
Total ------------------------$ 
 
 DEPART~IEXT OF BANKING 
 
91 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF ROCKDALE 
Conyers, Ga. 
 
President, C. B. HUDSON WORTH 
 
Vice-President, R. D. HEWLETT, J. W. HOLLIXGSCashier, G. C. SIMS 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 137,021.68 
 
Demand Loans--------------- 10,245.42 
 
United States Securities-----State of Georgia Bonds______ 
 
10,987.45 none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ 
 
6,281.25 
 
Furniture and Fixtures______ _ 
 
3,500.00 
 
Other Real Estate Owned---- 23,975.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks____ --Advances on Cotton__________ 
 
57,298.80 none 
26,124.40 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
7,125.00 2,207.29 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
 
none none 
 
Cther 
 
A 
 
sset 
 
s- 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
---- 
 
-- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 284,766.29 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ STarvuisntgFs uDndepDoseiptoss-i-t-s-_-_-_-._-_-_-_-_--_ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvese f-o-r--I-n-t-e-r-e-s-t -a-n-d--T--a-x-e-s OBothnedrs LBiaobrirloitwieesd__--_-_-_-_-_-_-_-_-_-_--_ 
Total ------------------------$ 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Coolidge, Ga. 
 
50,000.00 none 
50,000.00 637.85 
2,380.00 none 
133,358.86 none 
48,001.31 none none 388.27 none none none none none none none 
284,766.29 
 
President, BOYKIN HARRISON 
 
Vice-President, E. GIBSON 
 
Cashier, 0. S. MONCRIEF 
 
RESOURCES: 
 
Time Loans and Discounts----$ 173,093.74 
 
Demand Loans--------------- 
 
none 
 
United Sta.tes Securities------ 
 
50.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds___ --- 
 
none 
 
Banking House--------------- 
 
2,500.00 
 
Furniture and Fixtures------- 
 
4,323.32 
 
Other Real Estate Owned---- 11,169.42 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
ncne 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
14,124.45 160.00 none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
- - - - - Other Assets_________________ 
 
5,503.92 
 
Total ------------------------$ 210,924.85 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Bank.s________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ Certified Checks______________ Bills Payable_________________ 
Notes and Bil!.s RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
 
25,000.00 none 
12,500.00 8,033.44 none none 
44,707.54 none 
120,590.72 none none 93.15 non:e none none 
none none none none 
 
Total ------------------------$ 210,924.85 
 
 FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
AMERICAN BANK AND TRUST CO. 
 
Cordele, Ga. 
 
President, J. W. CANNON 
 
Vice-President, F. G. BOATRIGHT 
 
Cashier, E. A. VINSON 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
301,216.24 37,469.96 
 
Cnited States Securities------ 84,045.78 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
5,868.00 28,000.00 
 
Furniture and Fixtures______ _ 
 
4,000.00 
 
Other Real Estate Owned ___ _ 
 
8,284.09 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ 
 
102,452.89 none 
 
Advances on Cotton _________ _ 14,039.53 
 
Advances on Other Commodi- 
 
ties -------------------- __ _ 
 
none 
 
Checks for Clearing House __ _ 
 
none 
 
Other Checks and Cash Items- 
 
2,006.55 
 
Letters of Credit and Accept- 
 
OCvtahenercrdersAafst-ss-e-t(s-if-_-_a-_n-__-y_-)_--_--_--_--_--_--_--_--_--_----_ 
 
none 2,604.30 
none 
 
----- 
 
Total ------------------------$ 589,987.34 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject .to Check---Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks_____________ BCeilrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a_-x_-_-e-s_ Other Liabilities------------- 
 
150,000.00 none 
17,000.00 6,568.41 none 6, 798.72 
208,507.37 29,815.58 
137,868.31 29,358.32 none 3,416.30 654.33 none none 
none none none none 
 
Total ------------------------$ 589,987.34 
 
STATEMENT Showing Condition at Close of Business Dec~mber 28, 1923 
of the 
 
CITIZENS BANK Cordele, Ga. 
 
President, J. :M. HUNT 
 
Vice-President, R. E. HARRIS Cashier, B. T. WARE 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s________ $ 
 
160,549.87 12,028.55 
 
United States Securities_____ _ 
 
100.00 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
270.00 none 
2,461.47 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ 
 
13,276.60 none 
 
Advances on Cotton---------- 
 
1,181.03 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
4,311.05 
 
Checks for Clearjng House--- 
 
none 
 
Other Checks and Cash Items- 
 
2,392.14 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_- _Other Assets_________________ 
- 
 
- 
 
none 3,653.69 
- -no-ne 
 
Total ------------------------$ 200,224.40 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bins Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t__a_n_d__T_a_x__e s_ Other Liabilities____________ _ 
 
25,000.00 none 
15.000.00 1,019.01 none none 
56,053.84 none 
20,020.72 8,837.60 
13,682.45 1,226.06 181.60 
27,500.00 31,703.12 
none none none none 
 
Total ------------------------$ 200,224.40 
 
 DEPARTi\IENT OF BA~KING 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
EXCHANGE BANK 
 
Cordele, Ga. 
 
President, J. J. WILLIAMS 
 
Vice-President, S. A. ROYAL 
 
Cashier, E. F. TISON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 349,501.29 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
72,237.86 none none 
 
Stock in Federal Reserve Bank 
 
6,000.00 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
 
1,350.00 none 
2,250.00 
32,693.30 
 
Bank ---------------------Due from Other Approved Re- 
 
30,589.56 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
 
95,821.71 1,526.89 2,577.20 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
24,629.08 12,413.57 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none 1, 910.14 
none 
 
---- 
 
T&tal ------------------------1 633,500.60 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
100,000.00 none 
100,000.00 13,541.72 none none 
237,478.46 50.00 
136,367.63 21,955.97 23,905.02 201.80 none none none 
none none none none 
 
Total ------------------------$ 633,500.60 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CORNELIA BANK Cornelia, Ga. 
 
President, J. E. BARR 
 
Vice-President, EDWARD FLOR Cashier, CLIFF C. KIMSEY 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds------Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve . Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets_________________ 
Total ------------------------1 
 
399,767.39 16,299.17 3,119.46 none none 8,234 54 4,000.00 2,580.00 2,000.00 
none 
132,959.98 68,430.55 10,386.68 
3,321.03 4.24 
1,193.73 
none 2,018.59 18,607.60 
672,922.96 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnnkpsa_i_d_-_-_-_-_-_-_-_~_-_-_-_-_-_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted. Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
40,000.00 15,000.00 20,000.00 16,651.61 
60.00 10,919.45 282,795.77 
none 283,006.64 
none none 1,410.27 1,041.42 none none 
none 2,037.80 
none none 
 
Total ------------------------1 672,922.96 
 
 D-!- 
 
FouRTH ANNt:AL REPOUT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF COVINGTON Covington, Ga. 
 
President, R. R. FOWLER 
 
Vice-President, J. L. STEPHENSON 
 
Cashier, J. E. PHILIPS 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 197,817.39 
 
Demand Loans--------------l'nited States Securities______ State of Georgia Bonds_____ _ 
 
105,380.00 24,600.00 none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ 
 
none 131,629.50 
none 4,625.20 
 
Other Real Estate Owned____ 
 
1,265.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
83,402.27 none 
6,220.57 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none 942.18 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none none 229.86 
 
----Total ------------------------$ 556,111.97. 
 
LIABILITil<:S: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x_-_-e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
100,000.00 none 
25,000.00 22,490.35 
none none 305,901.31 none 56,374.73 45,185.00 none 1,160.58 none none none 
none none none none 
556,111.97 
 
STATEMENT Showing Condition at Close of Business Deeember 28, 1923 
of the 
 
BANK OF NEWTON COUNTY Covington, Ga. 
 
President, M. G. TURNER 
 
Vice-President, D. J. ADAMS 
 
Cashier, .T. W. HARWELL 
 
RESOURCES: 
 
Time Loans and Discounts----$ 394,487.15 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
20,295.99 none none 
 
Stock in Federal Reserve Bank 
 
none. 
 
BOathnekrinSgtoHcokus saen_d___B_o_n_d__S_-_-_--_-_-_Furniture and Fixtures_______ 
 
1,350.00 none 
4,173.53 
 
Other Real Estate Owned____ 14,727.40 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__.._--_ Advances on Cotton__________ 
 
69,916.50 none 
2,526.05 
 
Advances on Otber Commodi- 
 
ties ____ ------------------Checks for Clearing House __ _ 
 
440.73 1,300.04 
 
Other Checks and Cash Items- 
 
1,527.04 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none none 35.00 
 
---- 
Total ------------------------$ 510,779.43 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DDiuvei dteon dBs aUn knsp_a_i_d_ _- -_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-oIn-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities_____________ 
Total ------------------------$ 
 
80,000.00 none 
20,000.00 5,963.76 112.00 none 
300,145.65 none 
51,003.12 48,279.67 
none 275.23 
none 5,000.00 
none 
none none none none 
510,779._:l_ 
 
 DEPART.:\IENT OF BANKING 
 
95 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS BANKING CO. Covington, Ga. 
 
President, E. E. LUNSFORD, SR. Cashier, P. J. ROGERS 
 
Vice-President, A. L. LGYD 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans ___ _:__________ _ United States Securities______ State of Georgia Bonds______ 
 
17,885.73 11,330.97 
none none 
 
Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n_d__s__________ __ Furniture and Fixtures_______ 
 
none none none 
5,090.00 
 
Other Real Estate Owned___ _ 
 
3,100.00 
 
'Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ 
 
2,579.71 none 
none 
 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
391.47 
 
Letters of Credit and Accept- 
 
none 
 
0 <a-ne rcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
none 
 
Other Assets------------------ 
 
900.00 
 
----- 
 
Total ------------------------$ 41,277.88 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks_____________ _ Bills Payable________________ _ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
Total --------------------===$ 
 
30,000.00 none none 
1,139.27 none none 
6,451.36 none 
2,659.00 28.25 none none none 
1,000.00 none 
none none none none 
41,277.88 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923' of the 
 
BANK OF CRAWFORDVILLE 
 
Crawfordville, Ga. 
 
President, J~O. F. HOLDEN 
 
Vice-President, JAS. A. KEXDRICK 
 
Cashier, GEO. H. MITCHELL 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds _____ _ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-ri-n-g--H--o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_-_ -_ -_ _- _- -_ Other Assets_________________ 
Total ------------------------$ 
 
158,782.06 8,040.50 none none none none none 2,007. 77 2,783.27 
none 
31,353.30 none none 
none 1,292.01 
none 
none none 67,657.11 
271,916.02 
 
LIABILITI]!;S: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accevt- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
 
25,000.00 none 
30,000.00 3,968.35 none 
28,000.00 81,616.51 
none 103,073.49 
none none 257.67 none none none 
none none none none 
 
Total ------------------------$ ~71.916.02 
 
 96 
 
FouRTH ANNUAL REPORT 
 
----------------------------------------------------------------------- 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF TALIAFERRO Crawfordville, Ga. 
 
President, JNO. F. HOLDEN Cashier, S. W. WYNN 
 
Vice-President, W. W. BIRD 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ United States Securities______ State of Georgia Bonds______ 
 
93,719.68 500.00 
none none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
none 5,892.87 
1, 792.40 
 
Other Real Estate Owned---- 
 
9,609. 71 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in  
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
48,572.47 none none 
 
Advances on Other Commodi- 
 
ties ----------------------C"'hecks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_-_--_----_ 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
none none 
-n-o-n-e 
 
Total ------------------------$ 160,087.13 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_ -_ _- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable _____.___________ _ 
Notes and Bills Rediscounted. Letters uf Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_-_-e-s_ 
Other Liabilities------------- 
 
40,000.00 none 
8,000.00 1,126.46 
22.50 none 50,092.38 none 60,469.65 none none 376.14 none none none 
none none none none 
 
Total ------------------------$ 160,087.13 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANKING CO. Culloden, Ga. 
 
President, R. H. HOLMES 
 
Vice-President, B. H. CLEMENT8 Cashier, F. P. SULLIVAN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 160,041.05 
 
Demand Loans--------------United States Securities______ 
 
45,593.93 2,000.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ 
 
450.00 2,450.00 
1,800.00 
 
Other Real Estate Owned---- 
 
500.00 
 
Due from Federal Reserve 
 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ 
 
21,107.52 none none 
 
Advances on Other Commodi- 
 
C'htieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept~ 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
none 2,066.99 
 
Other Assets_________________ 
 
1,576.50 
 
-------- 
 
Total ------------------------$ 237,585.99 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__si_t_-_-_TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted. Letters '>f Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d_-_-T_-a_-x_-_-e-_s Other Liabilities____________ _ 
 
25,000.00 none 
25,000.00 27,015.63 
none none 72,490.39 none 54,214.01 none none 100.42 none 29, 606.'74 4,000.00 
none nqne none 158.80 
 
Total ------------------------$ 237,585.99 
 
 DEP.'.RT~rE~T oF Bx:-nnNG 
 
97 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF CUMMING 
 
Cumming, Ga. 
 
President, S. H. ALLE~ 
 
Vice-President, T. J. PIRKLE 
 
Cashier, K. A. KEMP 
 
RESOURCES: 
 
LIABILITIES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o_u__n_t_s________$ 
 
121,976.91 none 
 
"United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OB at hnekri nSgt oHc ko su saen_d_ _ _B_o_n_d_ _s ______ _-_- -_ Furniture and F'ixtures_______ 
 
none 7,500.00 3,153.20 
 
Other Real Estate Owned ___ _ 13,327.60 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Appro>ed Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-__--_ Advances on Cotton_________ _ 
 
45,631.32 2,353.94 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
325.18 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
none 549.02 
 
Other Assets_________________ 27,143.53 
 
---- 
 
Total ------------------------$ 221,960.70 
 
Capital Stock Paid In--------1$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Bank.s________________ Deposits Subject to Check___ _ Dt>mand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ 
Notes and Bill.s RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
25,000.00 none 
25,000.00 912.83 none none 
118,266.28 none 
51,813.65 none none 967.94 none none none none 
none none none 
 
Total ------------------------$ 221,960.70 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
c: President, C. 1IIXTER 
 
BANK OF CUSSETA Cusseta, Ga. 
Vice-President, 0. C. STEPHEN8 Cashier, W. A. GAYLER 
 
RESOURCES: 
 
'DL 'ei mmea nLdo aLn so aannsd_ _D_ _i s_c_o_ _u_n_t_s________ $ l.inited States Securities______ State of Georgia Bonds______ 
 
98,47 4.05 
6,586.00 
3,100.00 none 
 
Stock in Federal Reserve Bank 
 
none 
 
OB at hnekri nSgt oHc ko su saen_d_ _ _B_o_n_d_ _s ______ _-_- -_ 
Furniture and Fixtures_______ Other Real Estate Owned ___ _ 
 
1,500.00 2,300.00 2,730.00 3,047.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
LuVeaufrlotsm -O--th--e-r-B--a-n-k--s-__-_-_-_-_--_ Advances on Cotton _________ _ 
 
29,364.50 13,500.00 
none 
 
.Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none n1:>ne 
 
Other Assets------------------ - -3,6-67.-95 
 
Total ------------------------$ 164,269.50 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_--.,-__--_ Dividends Unpaid____________ _ Due to Bank.s________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ TCarushsiterF'us nCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bill.s RediscountedLetters of Crelit and AcceptRBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-t ee-dr-e-_s-_t-_ _-a_-n_-d_- _-T_-a_-x_- _-e-s_ Other Liabilities____________ _ 
 
15,000.00 none 
7,500.00 1,779.50 
none none 48,375.68 none 10,805.80 80,445.89 none 362.63 none none none 
none none none none 
 
'L'otal ------------------------$ 164,269.50 
 
 DS 
 
FovRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CUTHBERT Cuthbert, Ga. 
 
President, E. C. TEEL 
 
Vice-Presidents, N. M. WEAVER, E. R. WARD 
Cashier, H. L. HILL 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 300,927.49 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
18,298.50 1,978.31 none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ 
 
810.00 4,769.00 4, 769.00 
none 
 
Due from Federal Heserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 44,087.88 
 
Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
 
2,676.06 6,983.63 
none 
 
Ad~ances on Other Commodi- 
 
Chbeecsks -f-o-r-.-C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
1,003.59 1,522.00 
 
Other Checks and Cash Items_ 13,415.60 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
2,926.91 
 
Other Assets_________________ 
 
1,885.20 
 
----- 
 
Total ------------------------$ 406,053.17 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USur:rdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_it_-_-_- 
TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
12,000.00 5,317.81 none 1,642.08 
235,577.45 none 
14,615.99 7,390.29 none 906.39 none 
50,000.00 28,603.16 
none n0ne ncne none 
 
Total ------------------------$ 406,053.17 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
GEORGIA BANK AND TRUST CO. 
 
Cuthbert, Ga. 
 
President, F. H. DAVIS 
 
Vice-President, W. J. WADE Cashier, P. M. REID 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_________$ 
 
174,716.43 3,847.00 
 
United States Securities _____ _ 16,700.00 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBtahnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
23,000.00 2,800.00 
 
Furniture and Fixtures------- 
 
2, 780.00 
 
Other Real Estate Owned ___ _ 10,369.20 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------- 21,797.10 
 
DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
none 12,666.79 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
3,013.77 
 
Other Checks and Cash Items_ 
 
913.53 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
- - - - - 0OYtheerrdrAafstsset(sif__a_n__y_>_-_-_-_-_-_-_-_-_-_-_- 
 
33.05 none 
 
Total ------------------------~ 272,636.87 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_. ___________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Sfl.vings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Lettus of Credit "tnd Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
50,000.00 none 
10,500.00 5,710.10 none none 
143,285.39 none 
26,485.37 36,342.48 
none 313.53 none none none 
none none none none 
 
Total ------------------------$ 272,636.87 
 
 DEPART:MEXT OF BANKING 
 
99 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
DACULA BANKING CO. Dacula, Ga. 
 
"resident, C. R. WARE 
 
Viee-President, B. V. WILSON Cashier, J. G. HOOD 
 
RESOURCES: 
 
LIABILITIES: 
 
rime Loans and Discounts----$ )emand Loans--------------Jnited States Securities______ ltate of Georgia BondS-----ltcck in Federal Reserve Bank 3)tahpekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
~urniture and Fixtures ______ _ 
)ther Real Estate Owned---:)ue from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ 1\dvances on Cotton_________ _ 
<'.dvances on Other Commodities ----------------------- 
::7hecks for Clearing House __ _ )ther Checks and Cash Items_ Letters of Credit and Accept- 
Elnces --------------------)Jvtheerdr raAfstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_--_ 
 
61,505.64 140.80 none none 900.00 none 
1,500.00 2,138.56 
none 
2,764.07 
15,699.87 none none 
none none 60.00 
none 46.67 none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------CTraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Cretlit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other LiabilitieS------------- 
 
25,000.00 none 
5,000.00 12,837.95 
ncne none 34,881.73 none 3,730.86 none none 150.00 none none 3,155.07 
none none none none 
 
rota! ------------------------$ 84,755.61 Total ------------------------$ 84,755.61 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF DAHLONEGA Dahlonega, Ga. 
 
President, J. M. BROOKSHER 
 
Vice-President, W. B. TOWNSEND 
 
Cashier, T. F. JACKSON 
 
RESOURCES: 
 
rime Loans and Discounts:____ f 49,425.20 
 
Demand Loans--------------United States Securities______ 
 
800.00 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
:B:lathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 2,282.99 
 
Furniture and Fixtures------- 
 
1,316.00 
 
Other Real E,state Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
37,799.60 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-_-_-__-_--_ Other Assets_________________ 
 
none none none 
 
----- 
 
Total ------------------------$ 91,623.79 
 
LIABILITIES: 
capital Stock Paid In--------$ Amount Reserved for Branches US ut lrdpilvui sd e d- -P-r-o-f-i-t-s -_-_ -_ -_ _- _- _- _- _- _-_-_- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed_____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.00 none 
1,800.00 901.24 none none 
30,287.59 none 
41,866.65 none- 
1, 741.91 26.40 nonP none nonE:' 
none ncne none none 
91,623.79 
 
 100 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF LUMPKIN COUNTY Dahlonega, Ga. 
 
President, R. C. MEADERS 
 
Vice-Presidents, G. H. MOORE, W. H. JONES Cashier, J. S. SPEER 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 59,373.82 
 
Demand Loans--------------United Sta.tes Securities______ State of Georgia Bonds______ 
 
5,640.00 200.00 none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ 
 
none 
14,500.00 none 
2,464.00 
 
Other Real Estate Owned ___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
32,942.74 160.00 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets_________________ 13,301.75 
 
---- 
 
Total ------------------------$ 128,582.31 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits _____________ _ Trust Fund Deposits--------Cashier's Checks____________ _ BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
15,000.00 none 
3,000.00 594.77 none none 
57,414.74none 
48,536.51 3,749.31 none 286.98 none none none 
none none none none 
 
Total ------------------------$ 128,582.31 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
COMMERCIAL BANK Dallas, Ga. 
 
President, W. F. MEEK 
 
Vice-President, A. W. STUBBS Cashier, D. E. PINKSTON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 115,695.09 
 
Demand Loans--------------United States Securities_____ _ 
 
13,242.31 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds_____ _ 45,242.61 
 
Banking House--------------- 
 
1,929.75 
 
Furniture and Fixtures_______ 
 
3,070.46 
 
Other Real Estate Owned___ _ 
 
6,088.61 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
23,817.18 2,401.80 
33,835.67 
 
Advances on Other Commodi- 
 
C htei ecsk s - -f o- r- -C- -l-e-a-r -i n-g- - -H-o-u- -s e- -_-_ -_ 
 
3,376.89 147.80 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvtheerrdrAafstsse 
 
t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
- 
 
- 
 
- 
 
47.20 
-no-ne 
 
Total --------------~---------f 248,89 5. 37 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks____________ _ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
 
25,000.00 none 
7,500.00 3,766.76 
12.00 none 94,506.20 none 59,498.82 47,521.61 none 2,089.98 none 9,000.00 none 
none none none none 
 
Total ------------------------f 248,895~ 
 
 DEPARTMENT OF BANKING 
 
101 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF DALTON 
 
Dalton, Ga. 
 
President, W. C. MARTIN 
 
Vice-President, E. P. DAVIS 
 
Cashier, JAMES J. COPELAND 
 
-----------R-E-S-O-U-R--C-E-S-: -- 
DTiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
 
-------223,056.04 2,607.49 
 
- 
 
-C-a-p-i-ta-l -S-t-oc-k-L-IP-Aa-iBd-I-LI-nIT_-_-I_E-_S_-_:-_-_ 
Amount Reserved for Branches 
 
$- 
 
- 
 
- 
 
------ 
50,000.00 none 
 
United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
2,483.65 none none 
50,514.19 
16,000.00 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check ___ _ 
 
6,000.00 9,670.53 
none none 150,147.71 
 
Furniture and Fixtures______ _ 
 
4,000.00 Demand Certificates of Deposit 
 
none 
 
Other Real Estate Owned---- 10,110.77 Time. Certificate of DeposiL-- 10,148.75 
 
Due from Federal Reserve 
 
5avings Deposits------------- 141,532.79 
 
Bank ---------------------Due from Other Approved Re- 
 
none CTarsuhsiterF''sunCdhDecekps_o_s_i_ts_-_-_-_-_-_-_-_-_- 
 
none 357.72 
 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-__--_ Advances on Cotton__________ 
 
56,442.48 none none 
 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
 
none none none 
 
Advances on Other CommodiC ht ei ecsk s -f-o-r- -C- -l-e-a-r -i n-g- - -H-o- -u-s-e------ 
 
none 
 
ances --------------------Reserve for Interest and Taxes 
 
379.78 Bonds Borrowed------------- 
 
none none none 
 
Other Checks and Cash Items_ 
 
2,156.10 Other Liabilities------------- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ -_ _- _- _- _- -_ 
 
none 107.00 
 
Other Assets----------------- 
 
none 
 
Total ------------------------$ 367,857.50 Total ------------------------$ 367,857.50 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
HARDWICK BANK AND TRUST CO. Dalton, Ga. 
 
President, W. M. HARDWICK WALTER 
 
Vice-Presidents, G. L. HARDWICK, E. D. Cashier, T. D. RIDLEY 
 
RESOURCES: 
 
LIABILITIES: 
 
TDiemmeanLdoanLsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
United States Securities-----State of Georgia Bonds_____ _ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults ------- ------------Due from Other Banks------Advances on Cotton---------Advances on Other Commodities ----------------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)---------------------Other Assets----------------- 
 
320,287.39 148,703.67 
none none none 373,307.93 7,313.13 3,367.53 1,750.00 
none 
192,191.07 none none 
none 935.36 
none 
none 1,072.08 
none 
 
Capital Stock Paid In--------~ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_-_ -_ _- _- -_ 
Dividends Unpaid------------Due to Bank.s---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_- 
TCarushsiterF'us hCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ 
Bills Payable----------------Notes and Bill.s RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsveBfoorrroInwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
100,000.00 none 
75,000.00 8,426.20 720.00 164.50 
561,007.75 none 
92,936.34 209,880.09 
none 793.28 
none none none 
none none none none 
 
Total ------------------------$ 1,048,928.16 Total ------------------------$ 1,048,928.16 
 
 102 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF KESTLER Damascus, Ga. 
 
President, H. E. HIGHTOWER 
 
Vice-Presidents, J. A. HIGHTOWER, P. H. 
 
===========K=E=A=TO=N=======C=ashier, W. R. PULLEN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts___ $ 
 
Demand Loans--------------United States Securities------ 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
Furniture and Fixtures______ _ 
 
Other Real Estate Owned---Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
A<lvances 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_ Letters of Credit and Accept- 
 
a~ces 
Overdra 
 
f 
 
t-s- 
 
-(-i 
 
-f 
 
-a-n- -y-)---------------------- 
 
Other Assets----------------- 
 
62,871.26 21,540.20 
none none none none 6,510.44 2,810.30 3,_327.98 
none 
14,585.45 162.45 132.25 
none none 62.39 
none 52.11 none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_- 
Cashier's Checks------------BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills RediscountedLetters e>f Credit and Accept- 
Reasnecrvese f-o-r--In--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
5,000.00 1,424.48 
none none 33,708.01 none 36,787.58 none none 134.76 none 10,000.00 none 
none none none none 
 
Total ----------------------- $ 112,054.83 Total ----------=------ $ 112,054.83 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF DANIELSVILLE 
Danielsville, Ga. 
 
President, JOHN F. HOLDEN 
 
Vice-Presidents, GEO. 0. GRIFFETH, J. 
 
NATHANIEL GRIFFETH 
 
Cashier, RICHARD C. GRIFFETH 
 
RESOURCES: 
 
- Tlme Loans and Discounts----$ 59,864.05 
 
Demand Loans--------------- 20,000.00 
 
United States Securities_____ _ 
 
7,000.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
450.00 2,375.28 1,365.25 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
69,654.92 11,305.94 
none 
 
Advances on Other Commodi- 
 
C htei ecsk s -f-o-r- -C- -l-e-a-r-i n-g- - -H-o-u- -s e- -__- -_ 
 
none 263.21 
 
Other Checks and Cash Items_ 
 
86.21 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-_-__-_-_--_ Other Assets_________________ 
 
none 
257.05 none 
 
---- 
 
Total ------------------------$ 172,621.91 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US ur rdpilvuisd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t__a_n_d__T_a_x__e s_ 
Other Liabilities------------- 
 
15,000.00 none 
15,000.00 387.50 none none 
121,464.27 none 
20,713.84 none none 56.30 none none none 
none none none none 
 
Total ------------------------$ 172,621.91 
 
 DEPARTMENT 0]' BANKING 
 
103 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF DANVILLE Danville, Ga. 
 
President, H. L. D. HUGHES 
 
Vice-President, G. E. CHAPMAN 
 
Cashier, C. R. FAULK 
 
 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----~ 116,628.59 
 
Demand Loans--------------United States Securities______ 
 
14,248.00 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ 
 
4,635.00 
962.00 1,145.50 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
18,084.95 51,764.55 
1,838.55 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--'- 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
none 23.06 none 
 
---- 
 
Total ------------------------$ 209,330.20 
 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _CBeilrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and Ace<.>pt- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
15,000.00 20,345.05 
none none 65,876.95 - none 93,108.20 none none none none none none none none none none 
209,330.20 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE DARIEN BANK Darien, Ga. 
 
President, C. M. TYSON 
 
Vice-President, J_ G. FORBES Cashier, D. E. L.AJ.~E 
 
RESOURCES: 
 
Time Loans and Discounts----$ 117,038.01 
 
Demand Loans--------------United States Securities______ 
 
25,633.91 none 
 
State of Georgia Bonds______ 
 
none 
 
Steck in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHcokus saen_d___B_o_n_d__s____________ 
 
none 2,000.00 
 
Furniture and Fixtures_______ 
 
1,000.00 
 
Other Real Estate Owned____ 
 
3,600.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
 
13,124.45 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
700.00 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none 156.87 
 
Other Assets_________________ 18,301.38 
 
----Total ------------------------$ 181,554.62 
 
LIABILITIES: 
Capital Stock Paid In------,.-$ Amount Reserved for Branches US unrdpilvuisd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letter.~ of Credit and Accept- 
,ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
Total ------------------------$ 
 
25,000.00 none 
5,000.00 16,131.63 
none 279.50 39,622.84 
none 7,128.25 62,636.36 24,358.59 
597.45 none none none 
none 800.00 
none none 
 
 104 
 
FoeRTH Axx GeL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MERCHANTS AND FARMERS BANK 
 
President, C. W. KITCHENS 
 
Davisboro, Ga. 
 
Vice-President, C. T. MORRIS 
 
Cashier, S. W. ARNO'LD 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 53,668.66 
 
Demand LoanS--------------United States Securities______ State of Georgia Bonds______ 
 
9,175.93 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
 
1,100.00 2,500.00 4,501.46 
none 
 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
21,382.71 none 
 
Advanc<;s on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
1,100.67 
 
Letters of Credit and Accept- 
 
ances --------------------0> erdrafts (if any)----------Other Assets_________________ 
 
none none 2,498.03 
 
----- 
 
Total ------------------------' 95,927.46 
 
LIABILITIES: Capital Stock Paid In ________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnkn.sp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit T'ime Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances ----- ---------------RBeosnedrsv e Bf oo rr r oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
Total ------------------------~ 
 
25,000.00 none 
5,000.00 none none none 
43,578.26 none 
22,184.21 none none 
164.99 none none none none none none none 
95,927.46 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PLANTERS STATE BANK Davisboro, Ga. 
 
President, L. B. HOLT 
 
Vice-President, R. L. DOWNS Cashier, J. E. DANIEL 
 
RESOURCES: 
 
Time Loans and Discounts----$ 36,753.87 
 
Demand Loans--------------United Sta-tes Securities______ 
 
2,875.00 150.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
1, 750.00 2,500.00 
 
Furniture and Fixtures--~---- 
 
2,554.11 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
 
41,361.72 none 
 
Advances on Cotton---------- 
 
2,052.00 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none 430.75 
 
Other Checks and Cash Items_ 
 
144.80 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none none 
 
Total 
 
------------------------$- 
 
---- 
90,572.25 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o--fi't-s-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
Dividends Unpaid------------- 
 
Due to Bank,S---------------Deposits Subject to Check____ 
 
Demand Certificates of Deposit Time Certificate of Deposit___ 
 
Savings Deposits------------- 
 
Trust Fu 
C'~,shier',s 
 
nCd 
 
r 
 
eDeekps 
 
_o_s_i_ts_-_-_-_-_-_-_-_-_- 
 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bfoorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
 
Other Liabilities------------- 
 
Total ------------------------$ 
 
15,000.00 none 
15,000.00 982.80 none none 
51,269.96 none 
5,061.74 none none 
3,257. 75 none none none none none none none 
90,572.25 
 
 DEPART~lEXT OF BANKIXG 
 
105 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF DAWSON Dawson, Ga. 
 
President, M. C. EDWARDS 
 
Vice-President, J. P. PERRY 
 
Cashier, C. D. COCKE 
 
RESOURCES: 
DTiemmeanLdoaLnsoaannsd__D__is_c_o_u__n_t_s._.._.._.._. $ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House .. ~------------Furniture and Fixtures ______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advance;, 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- -__- -_ Other Checks and Cash Items .. Letters of Credit and Accept- 
ances --------------------OOvt heer rd r Aa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
Total ------------------------$ 
 
246,869.79 3,146.23 1,600.00 none 4,200.00 675.00 none none none 
10,13R.76 
56,555.21 131.30 
3,100.69 
none 4,124.53 
none 
none none none 
330,541.51 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o_s_i_t_-_..._. 
Trust Fund Deposits--------C'ashier's Checks__________ .. __ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted .. Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s OBothnedrs LBiaobrirloitwieesd__-_--_-_-_-_-_-_-_-_-_--_ 
 
100,000.00 none 
42,500.00 4,082. 76 none 
13,170.76 123,007.33 
none 46,280.72 
none none 1,499.94 none none none 
none none none none 
 
Total ------------------------$ 330,541.51 
 
STATEMENT 
Showing Condition at Close of Business December 28, 1923 of the 
 
THE FIRST STATE BANK 
 
President, W. A. BALDWIN 
 
Dawson, Ga. 
 
Cashier, E. J. PACE 
 
RESOURCES: 
 
Time Loans and Discounts........$ 169,193.52 
 
Demand Loans--------------United Sta-tes Securities______ State of Georgia Bonds______ 
 
2,903.58 none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
none 1,400.00 
none none 36,759.97 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
26,149.54 none none 
 
Advances on Other Commodi- 
 
(;'btieecsks--fo--r -C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none none 
 
Other Checks and Cash Items .. 
 
2,640.31 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-__-_-_-_-_-_--_ 
 
none none 
 
Other Assets------------------ - - -no-ne 
rota! ------------------------$ 239,046.92 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-ts--_-__-_-_-_-_-_-_-_-_-_--_ 
Dividends Unpaid------------Due to Bank.S---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STai mv ien gCse rDt ief pi coastiet so_f_ _D_ _e_p_o_s_i_t_- _..._. 
Trust Fund Deposits--------C"ashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bill.s Rediscounted .. Letters of Credit and Accept- 
ances --------------------RBeosnedrsveBfoorrrIonwteedre_s_t__a_n_d_: _T_a_x__es_ 
Other Liabilities------------- 
 
50,000.00 none 
50,000.00 16,525.89 
none 1,326.49 51,028.23 
none 11,634.11 
none none 32.20 none 45,000.00 none 
none none none 13,500.00 
 
Total ------------------------$ 239,046.92 
 
 106 
 
FouRTH ANKUAJ, REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF DEARING Dearing, Ga. 
 
President, FREn J. HOWARn PRINTUP 
 
Vice-Presidents, S. M. HAYWOOn, B. R Cashier, D. A. HOWARD 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 53,941.72 
 
Demand Loans--------------United States Securities______ 
 
200.00 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
none 1,622.43 2, 712.80 
 
Other R!'al Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
30,558.65 none none 
 
.Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none none 
 
Other Checks and Cash Items- 
 
1,240.20 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)_--_--_--_--_--_--_--_--_--_----_ 
 
none 255.11 
none 
 
---- 
 
Total --------------~---------$ 90,530.91 
 
LIABILITH.:S: Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ STarvuisntgFs 'uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.00 none 
5,000.00 2,475.79 
none none 33,944.57 none 26,455.27 none none 155.28 none 7,500.00 none 
none none none none 
90,530.91 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
DECATUR BANK AND TRUST CO. Decatur, Ga. 
 
President, J. HOWELL GREEN CHRISTIE 
 
Vice-Presidents, W. H. WEEKES, S. R. Cashier, C. M. SANDERS 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n_d__s_________-_- 
Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
AdyanC!JS on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
889,712.35 none 
1,000.00 none none 
4,350.00 none 
7,088.49 23,753.62 
none 
175,472.49 none none 
none none none 
none none 3, 703.50 
 
'l.'otal ------------------------$ 1,105,080.45 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCfillrstifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptnBeoasnendrcsvees Bf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-__-T_-a_-x_-_e--s_ Other Liabilities------------- 
 
100,000.00 none 
65,000.00 4,676.13 none none 
598,398.70 none 
88,659.55 235,934.98 
none 12,411.09 
none none none 
none none none none 
 
Total ------------------------$ 1,105,080.45 
 
 DEPARTJ\IEKT 0]' BAKKING 
 
107 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE DEXTER BANKING CO. Dexter, Ga. 
 
President, J. E. NEW 
 
Vice-President, U. G. B. HOGAN Cashier, D. W. KNIGHT 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 54,579.85 
 
Demand Loans--------------- 
 
none 
 
United States SecuritieS------ 12,900.00 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 2,000 00 
 
F'urniture and Fixtures------- 
 
1, 735.42 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeau{rlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
29,354.53 none 
 
Advances on Cotton _________ _ 14,351.14 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing. House... 
 
none none 
 
Other Checks and Cash Items. 
 
none 
 
Letters of Credit and Accept- 
 
ances ------------------~-OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none 485.7 4 
none 
 
----- 
 
Total ------------------------$ 115,406.68 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------C~ shier's Checks____________ _ BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted. Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none 
5,000.00 8,293.62 
none 1,187.50 41,315.26 
none 33,465.38 
none none 1,144.92 none none none 
none none none none 
115,406.68 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, G. W. McWHITE 
 
BANK OF DOERUN Doerun, Ga. Vice-President, P. B. WATKINS 
Cashier, W. M. SMITH 
 
RESOURCES: 
Time Loans and Discounts.... $ Demand Loans--------------United States SecuritieS-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Ag<'nts vnd Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ---------------~------C'heck!< for Clearing House... Other Checks and Cash Items. Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-__-_-_-_--_ Other Assets_________________ 
Total ------------------------~ 
 
89,267.11 none none none none none 
1,500.00 1,500.00 32,7 43.38 
none 
10,397.59 none none 
620.58 649.61 
none 
none 394.24 3,090.99 
140,163.50 
 
LIABILITIES: 
Capital Stock Paid In_______ _;$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Bank,s________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ CBei lrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Notes and Bills Rediscounted. Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other LiabilitieS------------- 
 
40,000.00 none 
8,000.00 2,213.62 
none none 23,693.78 none 34,803.47 pone none 11.00 none 28,281.50 3,038.10 
none none none 122.03 
 
Total ------------------------f 140,163.50 
 
 108 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS BANK Doerun, Ga. 
 
President J. P. MYERS 
 
Vice-President, E. L. BACON 
 
Cashier, R. L. FREE 
 
RESOURCES: 
 
Time Loans and Discounts----$ 127,684.51 
 
UDnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ 
 
1,189.90 none 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 3,253.00 
 
Furniture and Fixtures______ _ 
 
2, 714.07 
 
Other Real Estate Owned ___ _ 
 
8, 770.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ 
 
12,790.51 600.00 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
C'"thieecsl{s - -f o- r- -C- -l-e-a-r -i n-g- - -H-o-u- -s e- -__- -_ 
 
none 1,865.40 
 
Other Checks and Cash Items_ 
 
657.10 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(s-if-_-_a-_n-_-_y-_)_--_--_--_--_--_--_--_--_--_----_ 
- 
 
- 
 
- 
 
none none 
-no-ne 
 
Total ------------------------$ 159,524.49 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ DDiuveidteondBs aUnknps_a_id______-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits--------Cashier's Check~------------- BCti-lrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ !.etters of Credit and AcceptRF eoasnnedcrsve se Bf-oo-rr-r oI-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities_____________ 
 
25,000.00 none 
5,000.00 8,618.31 
none none 36,977.08 none 47,530.18 none none 58.92 none 31,500.00 4,840.00 
none none none none 
 
Total ------------------------$ 159,524.49 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF DONALSONVILLE Donalsonville, Ga. 
 
President, T. J. SHINGLE'R, SR. 
 
Vice-President, THOS. CHASON 
 
Cashier, W. H. VANLANDINGHAM 
 
RESOURCES: 
 
Time Loans and Discounts----$ 601,249.43 
 
Demand Loans--------------- 
 
none 
 
United States Securities------ 
 
434.78 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
4,500.00 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
F'urniture and Fixtures______ _ Other Real Estate Owned ___ _ 
 
150.00 5, 710.49 
5,105.65 1,108.80 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
15,282.81 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
19,583.60 6,753.92 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none 43.35 
 
Other Checks and Cash Items_ 
 
2,187.41 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none none 
 
- - - - - Other Assets----------------- 
 
5,910.29 
 
Total ------------------------$ 668,020.53 
 
LIABILITIES: 
Capital Stock Paid In________ ~ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid_____________ _ Due to Banks-----------~---Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------CTraushstierF'sunCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwteedr e_s_t__a_n_d__T_a_x__e s_ Other Liabilities_____________ 
 
100,000.00 none 
50,000.00 39,134.42 
364.00 none 
36,133.07 none 
134,959.32 none none 
1,446.56 none 
78,961.43 91,286.94 
none 6,389.13 
none 129,345.66 
 
Total ------------------------$ 668,020.53 
 
 DEPART:\[EXT OF BANKIKG 
 
109 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PLANTERS BANK Donalsonville, Ga. 
 
President, J. L. DICKENSON 
 
Vice-President, JNO. I. SPOONER 
 
Cashier, J. L. HARALSON 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBtahnerk_mSgtoHckosusaen_d___B_o_n_q_._s__________ __ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
107,787.71 none none none none none 
3,306.70 2,085.95 2,920.89 
none 
12,332.7 7 none none 
none none none 
none none 6,148.11 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills RediscountedLEtters cf Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
5,000.00 none none none 
50,073.65 none 
42,015.88 none none 
453.29 none 
14,000.00 none 
none 360.00 
none 7,679.31 
 
Total ------------------------$ 134,582.13 Total ------------------------$ 134,582.13 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE UNION BANKING COMPANY Douglas, Ga. 
 
President, T. S. PRICE 
 
Vice-Presidents, J. R. SLATER, J. W. QUIXCEY, J. L. 
 
SHELTON 
 
Cashier, R.N. YEOMANS 
 
RESOURCES: 
 
'ime Loans and Discounts____ $ 
Demand Loans--------------United Sta.tes Securities______ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds______ Furniture and Fixtures______ _ Banking House______________ _ 
Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ 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_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets_________________ 
 
540,548.35 23,492.34 45,750.00 none none 17,479.98 50,000.00 17,030.73 36,390.73 
none 
52,422.80 7,831.61 none 
none 12,478.19 
none 
none 1,864.82 10,600.00 
 
Total------------------------$ 815,889.55 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ . Savings Deposits------------Trust Fund Deposits--------Cashier's Checks ___________ .... BC<illrstifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ I.etters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-t ee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities------------- 
 
70,000.00 30,000.00 50,000.0(} 
6,074.39 2.00 
2,938.12 294,223.35 
none 162,594.46 
28,465.22 8,673.26 4,984.23 none 
128,604.52 18,730.00 
none none 10,600.00 none 
 
Total ------------------------$ 815,889.55 
 
 110 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
DOUGLASVILLE BANKING COMPANY Douglasville, Ga. 
 
President, J. T. DUNCAN 
 
Vice-President, A. W. McLAR1'Y 
 
Cashier, G. T. McLARTY 
 
RESOURCES: 
 
LIABILITIES: 
 
'I'ime Loans and Discounts____ ~ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
444,802.84 
none none none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_ -_ _- -_ 
 
60,000.00 15,000.00 51,500.00 
7,07 5. 94 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ 
 
3,800.00 900.00 
12,337.85 6,025.00 
20,647.57 
 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ 
D(mand Certificates of Deposit Time Certificate of Deposit___ 
 
26.00 
none 188,847.12 
none 192,621.55 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Reserve Agents and Cash in 
DuVeaufrl.tJsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
17,131.87 
16,509.35 14,260.51 18,607.20 
 
Savings DeposltB------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ 1.( tte,.s of Credit and Accert- 
 
18,592.65 none 
2,300.73 none 
26,917.69 10,044.82 
 
Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
 
none 2,682. 78 
none 
 
ances ----------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
 
none none none none 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
- - - - Other Assets_________________ 15,221.53 
 
=T=o=t=a~l=-=-=-=-=-=-=-=-=--=-=-=-=-=-=-=-=-=-=-=-=-=--=$===5=7=2~,9=2=6=="=0===1='=o=ta=l==-=-=-=--=-=-=-=-=-=-=-=-=-=-=-=-=-=--=-=-=-=-=$===5=7=2,926.a0 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF DOVER Dover, Screven County, Ga. 
 
President, W. A. WILSON 
 
Vice-President, W. 1\L HOWARD 
 
Cashier, D. 0. McDOUGALD 
 
RESOURCES: 
 
Time Loans and Discounts----$ 29,123.21 
 
Demand Loans--------------United States Securities______ S:tate of Georgia Bonds______ 
 
763.00 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_S_-_-_-_-_-_Furniture and Fixtures______ _ 
 
300.00 2,507.23 1,179.71 
 
Other Real .Estate Owned ___ _ 
 
4,119.97 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
6,722.21 
none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 12.03 
 
Other Assets------------------ - -482- .82 
 
Total ------------------------$ 45,210.1 ~ 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks::._____________ Bills Payable_________________ Notes and Bills Rediscounted_ Letters cf CreJit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrrIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.0~ 
none 2,000.00 
none none none 23,704.06 none 4,471.92 none none 34.20 none none none 
none none none none 
45,210.1~ 
 
 DEPARTJ\IE::\T OF BANKING 
 
111 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
DUBLIN AND LAURENS BANK 
 
Dublin, Ga. 
 
President, C. W. BRANTLEY 
 
Vice-President, T. V. SANDERS, JNO; J. 
 
BARTON 
 
Cashier, M. A. ROGERS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------united Sta-tes SecuritieS-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_-_- . 
Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-_-__-_-_-_--_ Other Assets ________________ _ 
 
453,489.54 4,120.53 no.ne n<Yne notne 2,200.00 
65,000.00 5,000.00 
140,005.85 
none 
76,584.23 8,774.45 no,ne 
none 743.20 148.07 
none 963.14 3,128.08 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check---Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
TC Br u. sshti eFr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_C<>rtified Checks_____________ _ Bills Payable________________ _ 
Notes and Bills Rediscounted_ Let.ters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
150,000.00 none 
9,912.48 13,904.37 
6.00 479,000.00 
64,185.60 none 
3,935.58 none none 789.46 55.60 none none 
none none none 38,368.00 
 
Total ------------------------$ 760,157.09 Total ------------------------$ 760,157.09 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
SOUTHERN EXCHANGE BANK 
 
Dublin, Ga. 
 
President, F. B. REINS WITHERINGTON 
 
Vice-Presirlcnts, Wm. C. THOMPSON, J. H. Cashier, B. B. J<'ORDHAM 
 
RESOURCES: 
 
LIABILITIES: 
 
'l'ime Loans and Discounts____ $ Demand Loans--------------united States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures ______ _ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--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_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
639,178.00 7, 766.36 none none 3,050.00 847.47 
23,000.00 9,865.43 
13,329.67 
25,175.20 
51,812.39 750.56 none 
none 1,373.31 
299.75 
none none 49,7 56.21 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
(T"[r. ushstierF'sunCdhDecekpso__s_i_ts_-_-_-_-_-..-_-_-_C,;rtified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
100,000.00 no'ne 
1,000.00 7,838.27 
none 14,026.18 280,454.98 
none 154,490.1S 
6,665.56 nO"ne 
2,233.03 148.99 
63,000.00 122,536.96 
none none none 73,810.20 
 
Total ________________________ $ 8 2_6_2._0_4~.3:=.5:.:c.='c=-T=-=o=ta=.l=--=-=-=-=-=-=-=--=-=-=-=-=--c--=--=---=-=-=-=--=--=$-=-=-8=-2=-6=.2=0:=.4:=.3..=..5 
 
 112 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF DUDLEY Dudley, Ga. 
 
President, J. A. HOGA~ 
 
Cashier, R. L. SLTMNER 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank OBathnekrinSgtoHckous saen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned ___ _ Due from Federal Reserve 
D uBea fnrko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ _- _- _-_- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
12,559.43 6,382.61 none no:ne none none 1,783.39 3,015.90 none 
none 
2,533.88 1,979.82 
none 
none none 453.20 
none 2,634.96 3,839.07 
35,182.26 
 
LIABILITIES: Capital Stock Paid In--------~ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TC'r&usshtieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_--_-_-_-_-_-_--_ Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.00 no.ne none none none none 
10,900.42 none 
8,863.71 none no:ne 
418.13 none none none 
none none none none 
3:),182.26 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
BANK OF DULUTH Duluth, Ga. 
 
President, L. P. PATTILLO 
 
Vice-President, J. '" KNOX 
 
Cashier, D. W. WILSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United Sta-tes Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--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_ Letters of Credit and Accept- 
OOtvahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_--_--_--_-_--_--_----_ 
 
108,855.71 none none none none 
495.00 2,078.00 2,500.00 5,000.00 
none 
50,907.44 none none 
none none 164.65 
none 95.86 none 
 
Total ------------------------$ 170,096.66 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks_______________ _ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks________ -----Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities_________ ---- 
 
25,000.00 none 
8,000.00 355.05 none none 
76,856.87 none 
58,244.27 none none 
1,069.07 none none none 
none 571.40 
none none 
 
Total ------------------------$ 170,096.66 
 
 
 
 DEPATIT::\IEXT OF BAXKING 
 
113 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
FARMERS AND MERCHANTS BANK 
 
Duluth, Ga. 
 
President, A. R. DANFORTH 
 
Vice-President, L. E. PAYNE 
 
Cashier, A. B. KEITH 
 
RESOURCES: 
DTiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds______ _ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ Other Checks and Cash ItemsLetters of Credit and AcceptO v&enrcdersa f t-s- -(-i f- -a-n-y-)- -_ -_ _- _- _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
58,757.46 826.97 none none none 100.00 
1,704.40 882.48 none 
none 
4,375.76 2,131.70 
none 
none none 10.00 
none none none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid _____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund Deposits--------Cashier's Checks____________ _ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit ancl Accept- 
ances --------------------Reserve for Interest and Taxes -Bonds Borrowed____________ _ Other LiabilitieS------------- 
 
15,000.00 none 
5,000.00 59.12 none none 
14,840.84 none 
21,538.32 none none 
122.50 none 
12,227.99 none 
none none none none 
 
Total ------------------------$ 68,788.77 Total ------------------------$ 68,788.77 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF EASTMAN Eastman, Ga. 
 
President, W. L. JESSUP 
 
Vice-President, C. C. HOSFORD 
 
Cashier, JETER A. HARRELL 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans______________ _ 
United States Securities______ State of Georgia Bonds_____ _ St0ck in Federal Reserve Bank Other Stocks and Bonds ______ _ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------Overdrafts (if any) __________ _ Other Assets________________ _ 
 
268,557.94 none none none 
2,500.00 3,000.00 14,500.00 3,642.50 
679.44 
none 
31,414.48 none none 
33,737.22 none none 
none none 21,800.50 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ _ Due to Banks_______________ _ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted. Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
60,000.00 none 
24,430.76 none none none 
141,087.79 none 
71,424.63 2,492.38 none 1,518.33 none 
17,500.00 36,428.19 
none none none 25.000.00 
 
Total ------------------------$ 379,882.08 Total------------------------$ 
 
 114 
 
FouRTH AN~UAL REPORT 
 
STATEMENT Showing Condition at Close of Business DEl{:ember 28, 1923 
of the 
 
CITIZENS BANKING CO. Eastman, Ga. 
 
President, C. H. PEACOCK 
 
Vice-President, T. H. EDWARDI::l Cashier, E. H. WARE 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
436,329.07 none 
 
United States Securities______ 
 
6,302.80 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
3,600.00 
 
Other Stocks and BondS--- __ _ Banking House______________ _ 
 
1,350.00 7,703.15 
 
Furniture and Fixtures_______ 
 
5,469.42 
 
Other Real Estate Owned____ 20,733.02 
 
Due from Federal Reserve 
 
Bank ---------------------- 19,162.01 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
61,136.07 
none 25,664.24 
 
Advances on Other Commodi- 
 
ties ----------------------C"'hecks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 32,565.44 
 
----- 
 
Total ------------------------$ 620,015.22 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USurdrpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities____________ _ 
 
100,000.00 none 
20,000.00 46,677.39 
none none 250,374.97 none 176,311.95 none none 3,695.86 none none 22,955.0fi 
none none none none 
 
Total ------------------------1 620,01Ei.22 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF EAST POINT East Point, Fulton County, Ga. 
 
P1esident, R. F. THOMPSON 
 
Vice-President, F. J. ALLEN 
 
Cashier, B. B. BAKER 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans______________ _ United States Securities_____ _ State of Georgia Bonds_____ _ 
Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r- B--a-n--k-s-_-_-_-_-_-_--_ Advances on Cotton _________ _ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i-f -a-n- -y )- -_-_-_-_-_-_-_-_ -_ _- -_ Other Assets ________________ _ 
 
283,462.96 18,275.22 836.00 none none 7,950.00 4,903.58 3,946.49 none 
none 
42,980.90 81,771.50 
none 
none none 918.40 
none none 3,683.75 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
UStnirdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dhidends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks____________ _ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
35,000.00 none 
10,000.00 17,049.62 
5.00 none 206,276.17 none 9,136.75 138,662.45 32,598.81 none none none none 
none none none none 
 
Total ------------------------f 448,728.80 Total ------------------------~ 448,72~ 
 
 DEPART~IEXT OF BANKIXG 
 
115 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
FARMERS AND MERCHANTS BANK 
 
Eatonton, Ga. 
 
President, L. 0. BENTON 
 
Viee-President, J. N. IIAWKINS 
 
Cashier, W. A. ANDREWS 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 40,189.44 
 
Demand Loans______________ _ 
 
610.20 
 
United States Securities------ 
 
5,000.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
750.00 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
9,119.23 5,000.00 
 
Furniture and Fixtures------Other Real Estate Owned ___ _ 
 
1,250.00 none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
3,040.40 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
4,309.26 none none 
 
Advances on Other Commodi- 
 
tieR ----------------------Checks for Clearing House __ _ 
 
none 682.04 
 
Other Checks and Cash Items_ 
 
102.00 
 
Letters of Credit and Accept- 
 
ances ---------~----------Overdrafts (if any)----------Other Assets_________________ 
 
none 1. 74 
552.30 
 
----- 
 
'["otal ------------------------$ 70,606.61 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividenas Unp'l.id____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ STarvuisntgFs uDndepDoseiptoSs-i-ts-_--_-_-_-_-_-_-_-_Cashier's Checks------------CBeilrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed_____________ Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none none none none none 
35,431.30 none 
10,041.22 none none 
134.09 none none none none none none none 
70,606.61 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE MIDDLE GEORGIA BANK 
 
Eatonton, Ga. 
 
President, BENJ. W. HUNT 
 
Vice-President, P. P. EZELL 
 
Cashier, E. W. INGRAM 
 
RESOURCES: 
'l'ime Loans and Discounts____ $ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal neserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents .and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i-f -a-n- -y-)-_-_-_-_-_-_-_-__-_- -_ Other Assets ________________ _ 
 
347.798.79 25,275.16 none none 3,000.00 4,000.00 none 540.00 4, 705.00 
26,965.92 
58,909.96 none none 
none 4,011.74 
43.54 ncne 458.76 17,408.37 
 
LIABILITIES: 
Capital Stock Paid In________ ~ Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Lette:s of Credit and Accept- 
ances -------~-------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
50,000.00 none 60.25 none 
205,897.81 none 
77,263.37 none 
46,108.67 152.39 341.49 
11,000.00 52,293.26 
none none none none 
 
Total ------------------------$ 493,117.24 Total ------------------------$ 493,117.24 
 
 116 
 
FouRTH AxxL\L HEPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF EDISON Edison, Ga. 
 
President, L. C. MANRY 
 
Vice-President, HENRY TURNER Cashier, S. A. SOLOMON 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------ADduve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
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_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ -_ _- _- _- -_ Other Assets_________________ 
 
215,209.75 23,165.82 none none none 1,063.00 3,000.00 1,800.00 12,432.77 
none 
50,797.24 127.00 
9,969.14 
709.06 hone 
2,311.86 
none none 88.27 
 
Total ------------------------$ 320,673.91 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpi vl ui ds e d- -P-r-o-f-i-t-s -_-_-_-_-_-_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ 
Trust F'und Deposits--------CCearsthifiieerd's CChehcekcsk_s_-_-_-_-_-_-_-_-_-_-_-_-_Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
50,000.00 none 
30,000.00 8,943.98 none none 
215,155.61 none 
15,27 4.40 none none 
1,247.0fi none none none 
none 52.86 none none 
 
Total ------------------------$ 320,673.91 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ELBERTON 
 
Elberton, Ga. 
 
President, W. 0. JONES 
 
Vice-Presidents, T. 0. TABOR, C. 0. BRO'W~ Cashier, W. E. BATES 
 
RESOURCES: 
 
Time Loans and Discounts----$ 472,678.78 
 
Demand Loans--------------United States Securities______ 
 
9,442.19 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
3,750.00 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_-_ 
Furniture and Fixtures_______ Other Real Estate Owned ___ _ 
 
2,47 5.00 30,487.69 21,179.95 25,552.80 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
31,408.34 
 
Vsearuvlets A_g_e_n_t_s___a,_n_d___C_a_s_h___in_ Due from Other Banks_______ Advances on Cotton _________ _ 
 
37,248.87 
70.25 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
2,568.00 1,552.06 
 
Other Checks and Cash Items_ 11,881.11 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
none 4,688.07 
 
Other Assets_________________ 
 
6,098.82 
 
----- 
 
Total ------------------------$ 661,081.93 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ 1'-avings Deposits____________ _ Trust F'und Deposits--------Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_--_._-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
100,000.00 none 
25,000.00 12,488.73 
none none 297,598.69 none 79,939.86 108,560.50 none 4,994.1;) none 12,500.00 20,000.00 
none none none 
non~ 
 
Total ------------------------$ 661,081.93 
 
 DEPARTMENT OF BANKIXG 
 
117 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
ELBERTON LOAN AND SAVINGS BANK Elberton, Ga. 
 
President, Z. C. HAYES 
 
Vice-President, G. L. A. ALMOND Cashier, Z. C. HAYES 
 
RESOURCES: 
 
T;me Loans and Discounts----~ 314,086.10 
 
Demand Loans--------------- 
 
1,992.14 
 
United States Securities------ 
 
2,560.00 
 
State of Georgia Bonds------ 
 
6,000.00 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-__--_ 
 
900.00 none 
 
Furniture and Fixtures_______ 
 
8,000.00 
 
Other Real Estate Owned___ _ 
 
9,277.36 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------- 57,737.22 
 
Due from Other Banks------Advances on Cotton__________ 
 
25.00 11,019.66 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 1,225. 70 
 
Other Checks and Cash Items- 
 
3, 720.64 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
- - - - - OOvtheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_--_ 
 
1,597.73 2,921.00 
 
'rotal ------------------------$ 421,062.55 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ Notes and Bills RediscountedLetters of Credit and A.cceptReasnercvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
75,000.00 none 
15,000.00 26,600.51 
114.00 none 
166,868.98 none 
12,758.20 124,153.33 
none 52.53 515.00 none none 
none none none none 
 
Total -----------------------$ 421,062.55 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ELLAVILLE Ellaville, Ga. 
 
President, J. H. STEVENS 
 
Vice-President, A. C. MURRAY 
Cashier, H. F. DIXON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 85,366.66 
 
Demand Loans--------------- 
 
6,000.00 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
5,990.00 2,926.77 
 
Furniture and Fixtures------- 
 
2,182.92 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------- 187,586.07 
 
DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_--_ 
 
none 6,864.58 
 
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------ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
- - - - - OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_-_--_--_--_--_--_--_----_ 
 
none none 3,366.83 
 
Total ------------------------$ 300,283.83 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US nudripvliud esd - -P-r-o-f-i t-s-_-_-_-_-_-_-_-_-_-_-_-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Dtemand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable_________________ Notes. and Bills RediscountedLettPrs of Cre<lit and Accept- 
ances --------------------RBeosnedrsve BfoorrroIwnteedr..e:s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 11,104.13 
none none 180.985.05 none 78,194.65 none none none none none none 
none none none none 
 
Total ------------------------$ 300,283.83 
 
 118 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE COUNCIL BANK EllaVille, Ga. 
 
President, J. M. COUNCIL 
 
Cashier, J. C. RAINEY 
 
RESOURCES: 
 
Time Loans and Discounts----$ 28,730.04 
 
Demand Loans--------------United States Securities______ 
 
1,988.15 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 3,500.00 
 
Furniture and Fixtures------- 
 
none 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------- 
 
4,286.88 
 
Due from Other Banks------- 
 
2,082.39 
 
Advances on Cotton---------- 
 
6,423.25 
 
Advances on Other Commodi- 
 
C htei ecsk s - -f o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
1,330.64 278.01 
 
Other Checks and Cash Items_ 
 
Letters of Credit and Accept- 
 
none 
 
- - - - - Ovaenrcdersaft-s--(-if--a-n-y-)--_-_-_-_-_-_-__-_-_--_ 
Other Assets_________________ 
 
none 923.89 none 
 
Total ------------------------f 49,543.25 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ Certified Checks______________ Bills Payable_________________ Notes and Bills RediscountedLetters of Credit and AccHptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------' 
 
30,000.00 none none 
1, 781.21 none none 
17,762.04 none none none none none none none none none none none none 
49,543.25 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ELLENTON Ellenton, Ga. 
 
President, J. I. BAKER 
 
Vice-President, JOE BAKER Cashier, L. T. ROUNTREE 
 
RESOURCES: 
Time Loans and Discounts____ $ DUenmiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank OBathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ Advances on Other CommodiChteiecsks--fo--r -C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOtvheerrdrAafstsset(sif__a_n_y__)_-_-_--_-_-_-_-_-_-_-_ 
Total ------------------------$ 
 
33,545.49 none none none none none 
1,600.00 1,500.00 
818.11 
none 
1,320.39 none none 
5,342.53 none none 
none 200.70 none 
44,327.22 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _-_-_- -_ DDiuveidteondBs aUnknsp_a_i_d__.-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Df'mand Certificates of Deposit fT'aimviengCserDtiefipcoastietso__f _D__e_p_o__s_iL__-_Trust Fund Deposits________ _ C"ashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-tee-dr-e-_s-_t-_ _-a_-n_-d_- _-T_-a_-x_- _-e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
2,000.00 304.36 none none 
4,780.15 none 
12,200.00 none none 220.71 none 
9,822.00 none 
none none none none 
44,327.22 
 
 DEPARTMENT OF BANKING 
 
119 
 
STATEMENT Showing Condition ~,t Close of Business December 28, 1923 
of the 
 
BANK OF EL~OOD Ellenwood, Ga. 
 
President, G. T. WILLIAMSON 
 
Vice-President, W. R. WHITAKER 
 
Cashier, E. COWAN 
 
- - - - -RE-SOURCES: 
'Dl'lemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets_________________ 
 
32,834.63 none 
5,147.32 none none none 
2,000.00 850.00 
7,000.00 
none 
13,887.33 none 
2,035.94 
none none 34.46 
none none 17.00 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ DPmand Certificates of Deposit Time Certificate of DeposiL-i:>avings Deposits------------TC ar us hsite rF'  su nCdhDe cekps _o_s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
15,000.00 none 
7,500.00 1,053.58 
none none 22,598. 7& none 17,550.32 none none 104.00 none none none 
none none none none 
 
Total ------------------------1 63,806.68 Total ------------------------$ 63,806.6~ 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF ELLIJAY Ellijay, Ga. 
 
President, SAM TATE 
 
Vice-President, R. L. McCLAIX Cashier, E. T. HUDSON 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ United States Securities______ State of Georgia Bonds-----Sleek in Federal Reserve Bank OBathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures------Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)---------------------Other Assets----------------- 
Total ------------------------$ 
 
208,610.12 12,000.00 8,555.00 none none 5,925.00 none 3,092. 70 2,470.00 
none 
86,706.42 none none 
none none none 
none 144.93 
none 
327,504.17 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_- 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ 
Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-t ee-dr-e-_s-_t-_ _-a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities_________ .:. __ _ 
 
15,000.00 none 
5,000.00 3,871.49 
none none 127,962.45 none 151,185.82 none 22,682.53 792.86 1,009.02 none none 
none none none none 
 
Total ------------------------$ 327,504.17 
 
 r 
 
120 
 
FouRTH ANxl~AL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, E. F. BUSSEY 
 
BANK OF ENIGMA Enigma, Ga. Vice-President, A. N. DEAN 
Cashier, A. REGISTER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 19,808.26 
 
Demand Loans--------------United States Securities______ 
 
3,175.50 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House ______________ _ Furniture and Fixtures_______ 
 
none 2,034.87 1,140.00 
 
Other Real Estate owned___ _ 
 
3, 702.55 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
4,054.97 2,000.00 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
2,948.80 
 
----- 
 
Total ------------------------$ 38,864.95 
 
LIABILITIES: 
Capital Stock Paid In________ $ rAmount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DD>uveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ DLmand Certificates of Deposit Time Certificate of Deposit--STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks------------CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------neserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none none 
818.35 none none 12,995.33 2,500.00 7,304.35 none none 246.92 none none none 
none none none none 
38,864.95 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF ETON 
Eton, Ga. 
 
President, C. C. KEITH 
 
Vice-President, F. M. JONES Cashier, H. R. JAl\fES 
 
RESOURCES: 
 
Time Loans and Discounts----$ 53,076.07 
 
Demand Loans--------------United Sta.tes Securities______ 
 
1,949.00 2, 750.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none none 
 
Furniture and Flxtures_______ 
 
2,000.00 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
29,494.73 none 
8,218.06 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
48.95 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets_________________ 
- 
 
- 
 
none 278.46 
- -non-e 
 
Total------------------------$ 97,815.27 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------Undivided Profits------------Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bill.s Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
4,000.00 448.02 43.20 none 
31,736.79 6,288.61 
28,205.87 none 
12,092.78 none none none none 
none none none none 
97,815.27 
 
 DEP.\RT:\IE:\'T OF RANKI:\'G 
 
121 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CAMPBELL COUNTY Fairburn, Ga. 
 
President, C. R. HARVEY 
 
Vice-Presidents, J. L. BRASSELL, J. A. JONES, 
 
J. H. McCLURE 
 
Cashier, H. W. JONES 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 530,976.28 
 
Demand Loans--------------- 20,371.38 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds-------Banking House______________ _ 
 
none 20,000.00 
 
Furniture and Fixtures_______ 
 
3,582.00 
 
Other Real Estate Owned____ 
 
3,200.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ 
 
11,323.69 none 
 
Advances on Cotton__________ 
 
1,90!5.51 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items_ 
 
6,463.01 
 
Letters of Credit and Accept- 
 
ances --------------------OC vt heer rd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_ _- _- _-_-_- -_ 
 
none 
none none 
 
---- 
 
Total ------------------------$ 597,821.87 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted.Letters of Credit and Accept- 
RBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other LiabilitieS------------- 
 
150,000.00 none 
30,000.00 16,7 42.20 
none none 83,528.26 none 27,569.23 none ncne 2,050.04 none 126,000.00 none 
ncne none none 161,932.14 
 
Total ------------------------$ 597,821.87 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FAIRBURN BANKING CO. Fairburn, Ga. 
 
President, J. H. LONGINO 
 
Vice-President, L. M. HOBGOOD 
 
Cashier, GEO. EDMONSON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 145,994.92 
 
Demand Loans--------------- 14,644.66 
 
United States Securities______ 
 
3,750.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
6,225.00 18,435.06 
7,370.87 
 
Other Real Estate Owned____ 
 
252.50 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeafurlotsm -O--th--e-r-B--a-n-k--s-__-_-_-_-_--_ Advances on Cotton _________ _ 
 
36,565.77 none 
12,679.36 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
345.73 none 
 
Other Checks and Cash Items_ 
 
1,099.26 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)------------------ -- -- 
 
none 326.07 
 
Other Assets----------------- 
 
none 
 
----- 
 
Total ------------------------$ 247,689.20 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------Trust Fund Deposits--------Cashier'-s Checks____________ _ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes OBothnedrs :BLioarbrioliwtieesd__--_-_-_-_-_-_-_-_-_-_--_ 
 
46,680.00 none none 
7,312. 71 none none 
99,832.83 none 
93,155.01 245.00 none 450.61 none none 
none none none none 13.04 
 
Total ------------------------$ 247,689.20 
 
 122 
 
FouRTH ANNUAL REPORT. 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE FAIRMOUNT BANK Fairmount, Ga. 
 
Pre:;ident, MRS. EDNA F. TATE 
 
Vice-President, DR. R. L. ROGERS 
 
Cashier, R. D. PAYNE 
 
RESOURCES: 
 
Time Loans and Discounts----$ 99,875.63 
 
Demand Loans--------------- 
 
3,957.50 
 
United States Securities-----State of Georgia Bonds_____ _ 
 
650.00 none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
225.00 
 
Ba nking House--------------Furniture and Fixtures______ _ 
 
4,000.00 1,745.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults --------------------DAudve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
40,083.69 5,000.00 none 
 
Advances on Other C'ommodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items.. 
 
none 
 
Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-__-_-_--_ 
 
none 214.65 
 
Other 
 
Ass 
 
et 
 
s- 
 
- 
 
- 
 
- 
 
------ 
 
- 
 
- 
 
- 
 
----- 
 
3,363.20 
--- 
 
Total ------------------------$ 159,114.67 
 
LIABILITIES: 
Ca.pital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check ___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o_s_i_t______ TCraushstierF'sunCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
BCielrltsifPieadyaCb'lhee_c_k__s_-_-_-_-_--_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Cred;t and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t__a_n_d__T_a_x__e s_ Other Liabilities____________ _ 
 
15,000.00 none 
7,500.00 799. 79" 125.60 none 
75,955.66 none 
58,660.46 none none 
952.61 none none none 
none 
none none 120.55. 
 
Total ------------------------$ 159,114.67 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Fayetteville, Ga. 
 
President, J. W. WISE 
 
Vice-President, W. W. REDWINE Cashier, C. D. REDWINE 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United Sta.tes Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds-----BFuanrnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_-_Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ Advances on Other C'ommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash Items.. Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ _- _- _- _-_-_-_- -_ Other Assets_________________ 
Total ------------------------$ 
 
155,550.53 28,366.84 3,850.00 none none 450.00 2,266.79 3,256.46 4,477.62 
none 
27,363.04 578.21 
12,599.88 
none 5,031.60 . 363.38 
none 7, 729.34 
none 
251,883.69 
 
LIABILITIES: 
Ca.pital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCfelrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted .. Letters of Credit and AcceptRBeoa!n'nedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n_-d_-_-T_-a_-x_-_e--s_ Other Liabilities------------- 
 
25,000.0() none 
25,000.01) 2,654.65 none none 
160,094.36 none 
34,364.59" none none 
1,320.09 350.01) none none 
none none 3,100.0() none 
 
Total ------------------------$ 251,!8~ 
 
 DEPARTMENT OF BANKING 
 
123 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF FINLEYSON 
 
Finleyson, Ga. 
 
President, J. W. CONNER, SR. 
 
Vice-Presidents, R. L. SCARBOROUGH, W. 
 
E. FINLEYSON 
 
Cashier, CLARENCE FINLEYSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 25,848,44 
 
DUenmiteadndS. tLa.oteasnSs-e-c-u-r-i-ti-e-s-_-_-_-_-_--_ State of Georgia Bonds______ 
 
none none none 
 
Stock in Federal Reserve Bank Cther Stacks and Bonds_____ _ Banking House_______________ Furniture and Fixtures______ _ 
 
none none 
1,200.00 1,400.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
2, 708.55 62.50 none 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r-i n-g- - -H-o-u- s-e- -__- -_ 
 
1,522.85 none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets_________________ 
 
55.76 
 
----- 
 
Total ------------------------$ 32,798.10 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Bank-S---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r-Ion-w-t ee- -dr e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities_____________ 
Totar ------------------------$ 
 
15,000.0(} none none 
9,738.21 none none 
4,320.73 none 
1,186.86 none none 24.4(} none 
2,000.0(} 527.9(} 
none none none none 
32,798.1(} 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF FLOVILLA Flovilla, Ga. 
 
President, F. S. ETHERIDGE 
 
Vice-President, B. A. WRIGHT 
 
Cashier, J. T. GIBSON 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ {;nited States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n_d_s_-_-_-_--_-_-_Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton---------Advances on Other Commodi- 
1ies ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-__-_-_-_-_-_-_--_ 
Other Assets----------------- 
Total ------------------------$ 
 
27,499.25 23,125.00 
2,000.00 none none 
5,225.00 1,102.50 1,259.43 1,195.46 
none 
8,518.46 30,996.00 
none 
none none 1,463.02 
none 51.34 none 
102,435.46 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Bank-s---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a_-x_-_-e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
10,000.0(} 3,631.84 none none 41,163.28 none 32,566.83 none none 73.51 none none none 
none none none none 
102,435.46 
 
 124 
 
FocRTH AxXL\L HEPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF FLOWERY BRANCH Flowery Branch, Ga. 
 
President, L. 0. BENTON 
 
Vice-President, DR. W. W. LILES Cashier, W. H. 'I'HOMAS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 
Demand Loans--------------United States Securities______ State of Georgia Bonds_____ _ 
 
54,653.45 none none none 
 
Stock in Federal Reserve Bank OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ 
 
none none 2,800.00 
2,148.25 none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ 
 
3,045.18 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
278.96 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
(;ther AssetS------------------ - - .2,.2,61-. 7-7 
 
Total ------------------------$ 65,187.61 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks_____________ _ Bills Payable ________________ _ Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a--x-e-s Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none none none none none 
7,560.54 109.09 
5,076.87 none 
436.73 193.65 
none 25,496.35 
1,314.38 
none none none none 
65,187.61 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK Folkston, Ga. 
 
President, Wm. MIZELL, SR. 
 
Vice-President, B. G. McDONALD 
 
Cashier, Wm. MIZELL, JR. 
 
RESOURCES: 
 
Time Loans and DiscountS----$ Demand Loans--------------l.:'nited States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures------Other Real Estate Owned---Due from Federal Reserve 
 
117,081.50 
8,527.81 5,000.00 
none none 15,000.00 none 
2,379.16 
325.00 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
Vaults -------------------Due from Other Banks___ ---Advances on Cotton---------Advances on Other Commodi- 
 
55,371.98 none none 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e-----Other Checks and Cash Items_ 
 
none none 356.69 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Cther Assets------------------ - -9-75.-80 
Total ------------------------$ 205,017.94 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CT ar us hs ti e rF' su nCdhDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r-Ion-w-t ee- -dr e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
15,000.00 none 
3,000.00 12,967.65 
3.60 none 104,314.97 none 28,306.45 41,128.10 none 297.17 none none none 
none none none none 
 
Total ------------------------$ 205,017.94 
 
 DEPART~IEXT OF BAXKING 
 
12.5 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF FORSYTH Forsyth, Ga. 
 
President, R. B. STEPHENS 
 
Vice-President, J. J. CATER 
 
Cashier, JNO. F. STEPHENS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------UP.ited States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_--_-_-_-_Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ------------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-I-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
vther Assets----------------- 
Total ------------------------$ 
 
LIABILITIES: 
 
57,525.75 28,396.28 10,000.00 
6,225.00 none none 
4,588.56 2,775.31 8,825.13 
none 
28,061.01 500.00 none 
none 1,902. 79 1,677.48 
 
Capital Stock Paid In________ $ 
 
Amount Reserved for Branches 
 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ -_ _- _- -_ 
 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ 
Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits____________ _ 
 
Trust Fund Deposits--------Cashier's Checks____________ _ 
 
BCielrltsi 
 
fPieady 
 
Checks-----~-------- 
able ________________ _ 
 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
 
Other Liabilities------------- 
 
50,000.00 none 
15,000.00 5,019.20 none none 
97,984.97 none none none none 
303.50 none none none 
none none none none 
 
none 
 
none 
 
I 17,830.36 
168,307.67 
 
Total -------------------------$---1-6-8,_3_0_7-.6--7 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
CITIZENS BANK OF FORSYTH 
 
Forsyth, Ga. 
 
President, H. H. HARDEN P. R. CHAPMAN 
 
Vice-President, H. E. NEWTON, B. H. MANRY, Cashier, ROLAND ANDERSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 60,222.83 
 
Demand Loans--------------Ur;ited States Securities______ 
 
91,405.56 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
6,500.00 
 
Banking House----------~---Furniture and Fixtures______ _ 
 
none 1,985.70 
 
Other Real Estate Owned____ 
 
2,775.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
22,193.57 none none 
 
Advances on Other Commodi- 
 
"ties ------------ ----------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-_-_-__-_--_ 
 
none none 
 
Other 
 
Assets 
 
________________ 
 
_ 
- 
 
- 
 
- 
 
-no-ne 
 
Total ------------------------$ 185,082.66 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits_____________ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits____________ _ 
TCraushstieFr'sunCd hDecekps o__s_i_ts_-_-_-_-_-_-_-_--_ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Resaenrcvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed------------Other Liabilities------------- 
 
40,000.00 none 
10,000.00 5, 746.09 none none 
63,624.07 4,000.00 
11,658.25 none none 54.25 none none none 
none none none 50,000.00 
 
Total ------------------------$ 185,082.66 
 
 12() 
 
FouRTH ~~NNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS BANK Forsyth, Ga. 
 
President, R. T. PERSONS RESOURCES: 
 
Vice-President, R. P. BROOKS 
Cashier, R. J. BIT=T=IC=K================ LIABILITIES: 
 
Time Loans and Discounts----f 76,468.79 
 
Demand Loans--------------- 129,047.98 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds___ --- 
 
none 
 
BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ 
 
3,992.95 2,493.15 
 
Other Real Estate Owned ___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
42,622.80 none none 
 
.AdvanceB on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none 6,807.19 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ -_ _- _- _- _-_-_- -_ 
 
none none 
 
Other Total 
 
-A--s-s-e--t-s---------------------------------$- 
 
- -no-ne 
261,432.86 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o_s_i_t_-_-_- 
TCarushsiterF'us nCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RedlscountedLHters of Credit and AC'ceptReasnecrvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed------------Other LiabilitieS------------- 
 
50,000.00 none 
50,000.00 7,800.65 none none 
153,632.21 none none none none none none none none 
none none none none 
 
Total ------------------------$ 261,432.86 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MONROE COUNTY BANK Forsyth, Ga. 
 
President, W. C. HILL 
 
Vice-President, C. B. HOLLIS, SR. Cashier, CHARNER W. HILL 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 164,372.66 
 
Demand Loans--------------United States Securities______ 
 
62,623.46 700.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Ban]{ 
 
1,650.00 
 
OB at hnekri nSgt oHc kosu saen_d_ _ _B_o_n_d_ _s ______ _-_- -_ 
 
675.00 none 
 
Furniture and Fixtures______ _ 
 
1,000.00 
 
Other Real Estate Owned ___ _ 10,312.64 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
12,653.01 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
 
17,463.23 
none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
1,863.84 2,056.21 
 
Other Checks and Cash Items- 
 
79.16 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
 
none none 
 
Other Assets_________________ _ 
 
none 
 
----- 
 
Total ------------------------$ 275,449.21 
 
LIABILITII<}S: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
US unrdpilvui sd e d- -P- r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ _- _-_- -_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits ____________ _ 
TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted. Letters of Credit and AcceptReasnecrvese f-o-r--In--te--re--s-t -a-n-d--T--a-x-e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
30,000.00 10,165.28 
none none 103,322.57 none 13,432.88 93,093.60 none 123.52 none none none 
none none none 311.36 
 
Total ------------------------$ 275,449.21 
 
 DEPARTMENT OF BANKING 
 
127 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF FORT GAINES 
 
Fort Gaines, Ga. 
 
President, C. W. MORRIS 
 
Vice-President, W. L. PAULLIN 
 
Cashier, W. L. PAULLIN 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Lpans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and AcceptOvaenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-__-_-_-_-_--_ Other Assets_________________ 
Total ------------------------$ 
 
none 11,868.52 199,479.20 
none none none none none 1,000.00 
none 
none 91,190.67 39,016.7 4 
none 3,169.77 8,283.01 
none none 475.50 
354,483.41 
 
LIABILITIES: 
Capital Stock Paid In--~-----$ Amount Reserved for Branches 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ DEmand Certificates of Deposit T'ime Certificate of Deposit___ Savings Deposits____________ _ 
TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ Certified Checks______________ Bills Payable________________ _ 
Notes and BiBs Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
none 50,000.00 
none 35,000.00 15,351.65 
184.53 176,027.18 
none 56,982.79 
none none none 937.26 none 20,000.00 
none none none none 
 
Total ------------=-----$ 354,483.41 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
UNION SAVINGS BANK Fort Gaines, Ga. 
 
President, B. F. PEARCE 
 
Vice-President, W. T. CREDILLE Cashier, W. G. GRIMSLEY 
 
RESOURCES: 
 
LIABILITIES: 
 
'l'ime Loans and Discounts----$ 69,545.12 Capital Stock Paid In________ $ 27,150.00 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures_______ 
 
560.50 none none none none none 
1,632.38 
 
ASumropulunst R_e_s_e_r_v_e_d__f:o_r_B__r_a_n_c_h_e_s_ 
Undivided Profits____________ _ D1vidends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit 
 
none 5,000.00 
3,202. 70 4.00 
none 36,005.83 
none 
 
Other Real Estate Owned---Due from Federal Reserve 
 
3,975.82 Time Certificate of Deposit_ __ Savings Deposits_____________ 
 
24,730.00 none 
 
Bank ---------------------Due from Other Approved Tie- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r B-a--n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
 
none 
18,070.66 none none 
 
Trust Fund Deposits ________ _ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
 
none 304.79 
none none none 
 
Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--_-_-_ Other Checks and Cash Items- 
 
none 2,517.05 
none 
 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
none none none none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvt heerrd rAa fstsse t! si f__a_n__y. _)_-_-_-_-_-_-_-_-_-_- -_ 
 
95.79 none 
 
----- 
 
~T~o~t~a~l~-~-~-~-~-~-=-=-=-=--=-=-~-=-=-=-~-=-=-=-=-=-=-~$==~9=6~~39~7=~3=2~=T~o~t=a~l~-=-=-=--=-=-=-=-=-=-~-~-~-=-=-=-=--=-=-=-=-~-=$~~9~6,397.32 
 
 128 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK OF FORT VALLEY Fort Valley, Ga. 
 
President, A. J. EVANS (Active) 
 
Vice-Presidents, LOUIS L. BROWN, C. E. MARTI~, Cashier, B. H. FINCHER 
 
RESOURCES: 
 
Time Loans an.d Discounts____ $ 
Demand Loans--------------United States Securities-----Rtate of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_-_- 
 
654,566.34 14,000.00 
2,000.00 1,000.00 
none 2,025.00 45,000.00 
 
Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
 
4,165.93 849.37 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ 
 
72,126.55 none 
5,497.88 
none 2,725.61 1,675.70 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y-)-_-_-_-_-_-_-_-_- _- -_-_ 
 
nnoonnee 
 
Other Assets------------------ - -5,8-72.-02 
Total-----------------~------$ 811,504.40 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USUnrd];i)VlUids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted .. Letters of Credit and AcceptRBeoasnendrcsvees Bf-oo-rr-r Io-n-w-t ee-dr-e-_s_-t_- _-a_-n_-d_-_-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
100,000.00 none 
50,196.72 18,276.51 
700.00 124.82 385,607.05 
none 133,020.01 
56,945.52 6,000.00 9,961.56 672.21 
50,000.00 none 
none none none none 
 
Total ------------------------$ 811,504.40 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE EXCHANGE BANK Fort Valley, Ga. 
 
President, W. M. WRIGHT 
 
Vice-President, V. L. BROWill 
 
Cashier, S. B. BROWN 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans_______________ 
 
358,719.61 none 
 
United States Securities------ 
 
none 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OB at hnekri nSgt oHc kosu saen_d_ _ _B_o_n_ _d_s_-_- _.. _- _- -_ 
 
none none 
 
Furniture and Fixtures_______ 
 
5,029.11 
 
Other Real Estate Owned___ _ 32,265.51 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ 
 
75,085.16 4.78 
none 
 
Advances on Other Commodi- 
 
C ht ieecsk s - -f o- r- -C- -l-e-a-r-i n-g- - -H-o-u- -s e- -__- -_ 
 
none 345.33 
 
Other Checks and Cash Items_ 
 
656.38 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
 
none 840.36 
 
Other Assets------------------ - - -no-ne 
 
Total ------------------------$ 472,946.24 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ CTraushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted .. Letters of Credit and Accept- 
ances -------------------~RB<onsedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
50,000.00 none 
25,000.00 10,995.12 
none none 215,788.67 none 68,004.90 5,720.17 none 82.04 127.50 60,000.00 5,539.03 
none none none 31,688.81 
 
Total ------------------------$ 472,946.24 
 
 DEPART~rEXT OF BAXKING 
 
129 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF HEARD COUNTY Franklin, Ga. 
 
President, F. S. LOFTIN 
 
Vice-President, E. E. LEWIS Cashier, E. E. LEWIS 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House ______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve. Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Adyances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s--(-i-f -a-n--y-) -_-_-_-_-_-_-_-_-_~_-_ Other Assets ________________ _ 
Total ------------------------$ 
 
110,447.70 13,824.99 7,450.00 none none 450.00 2,844.00 2,000.00 5,987.95 
none 
99,169.53 none none 
none none none 
none none none 
242,174.17 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietao_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks ___ ~--------Certified Checks______________ Bills Payable_________________ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
25,000.00 none 
25,000.00 2,217.15 
non~ 
none 118,4g0.14 
none 13,883.36 46,374.50 11,091.10 
117.92 none none none 
nonenone none none 
 
'l'ota1 ------------------------$ 242,17 4.17 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PEOPLES BANK Franklin, Ga. 
 
President, G. A. ADAMS 
 
Vice-President, A. J. JACKSO'N 
 
Cashier, W. D. HAMMOND 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------L:nited States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House ______________ _ Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca,sh in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-__-_-_-_-_--_ Advances on Cotton_________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f-t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ Other Assets ________________ _ 
Total ------------------------$ 
 
58,009.35 9,511.27 none none none none 2,000.00 1, 706.71 4, 750.00 
none 
5,958.36 none none 
none none none 
none 198.58 
none 
82,134.27 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits _______ ;_ ____ _ 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Redi-scountedLetters of Credit and Accept- 
ances --------------------ReEerve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
25,000.00 none 
7,000.00 742.18 44.00 none 
20,054.17 none 
4, 793.92 none none none none 
24,500.00 none 
none none none none 
 
Tota~ ___ ---------------------_$__ 82,134.27 
 
 130 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK Gainesville, Ga. 
 
President, J. C. PRUITT 
 
Vice-President, C. L. NEWTON Cashier, J. N. ROGERS 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
 
United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
serve Agents and Cash in 
 
Vaults -------------------- 
 
ADduevafnrcoems 
 
oOnthCeor 
 
t 
 
Banks-----~- 
ton _________ _ 
 
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_ Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)------------------ -- -01 her Assets----------------- 
 
620,285.22 none 
40,000.00 none none none none 
6,181.58 13,530.99 
none 
264,333.20 3,980.60 
24,562.18 
none 7,677.67 
967.55 
none none 100,000.00 
 
Total ------------------------$ 1,081,518.99 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit 'l'ime Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------CBEilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ 
Other LiabilitieS------------- 
 
50,000.00 none 
10,000.00 36,922.93 
20.00 36,619.93 579,894.02 
4,500.00 1,800.00 359.979.72 
none 1,177.84 
604.55 none none 
none none none none 
 
Total --- --------------- ------$ 1,081,518.99 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE STATE BANKING CO. Gainesville, Ga. 
 
President, T. E. ATKINS 
 
Vice-President, GEO. P. ESTES 
 
Cashier, W. R. WINBURN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 350,745.21 
 
Demand Loans--------------- 
 
5,000.00 
 
United States Securities------ 
 
1,000.00 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none none 
 
Furniture and Fixtures______ _ 
 
5,100.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
nuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
3~,594.53 
11,326.53 16,573.97 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 1,868.15 
 
Other Checks and Cash Items_ 
 
1,678.64 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- -) -- -- -__-_- -- -- -- -- -- -- 
 
none none 
 
- - - - - 01 her Assets ________________ _ 
 
none 
 
Total ------------------------~ 426,887.03 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
 
SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check ___ _ 
Demand Certificates of Deposit Time Certificate of DeposiL-STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_- 
 
Cashier's Checks------------PCiPl-lrstifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills RediscountedLetters of Credit and Accept- 
 
Reasenrcvees 
 
-------------------~- 
for Interest and Taxes 
 
Bonds Borrowed------------- 
 
Other Liabilities------------- 
 
75,000.00 none 
30,000.00 7,925.43 none none 
172,873.54 none 
140,696.75 none none none 391.31 none none 
none none none none 
 
Tctal ------------------ ------f 426,887.03 
 
 DEPART~IEXT OF BANKING 
 
131 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the FARMERS AND MERCHANTS BANK 
Garfield, Ga. 
 
President, J. A. CHAPMAN 
 
Vice-President, H: H. STEWAR'r Cashier, D. M. CASON 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 47,012.18 
 
Demand Loans--------------United States Securities______ 
 
none 5,250.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House_______________ 
 
none 4,207.48 
 
Furniture and Fixtures_______ 
 
3,189.46 
 
Other Real Estate Owned____ 
 
1,209. 77 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Ca.sh in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
7,560.33 none none 
 
Advances on Other Commodi- 
 
C"thieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 359.51 
 
Other Checks and Cash Items_ 
 
43.68 
 
Letters of Credit and Accept- 
 
- - - - Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
Other Assets_________________ 
 
none none none 
 
Total ------------------------$ 68,832.41 
 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid------------Due to BankS---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
3,000.00 5,834.68 
none none 32,211.30 none 12,461.50 none none 324.93 none none none 
none none none none 
68,832.41 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF GIBSON Gibson, Ga. 
 
Prrsident, B. F. WALKER 
 
Vice-President, W. T. GRIF.l<'I.~ Cashier, E. E. GRIFFIN 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
55,981.01 3,330.21 
 
l.:"nited States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ 
 
none 3,000.00 1, 608.51 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Ca.sh in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
65,446.27 none none 
 
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- -__- -_ 
 
none norte 
 
Other Checks and Cash Items_ 
 
2,896.12 
 
Letters of Credit and Accept- 
 
ances --------------------OO vt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none none none 
 
----- 
 
Total ------------------------$ 132,262.12 
 
LIABILI'I'IES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities_____________ 
 
15,000.00 none 
3,000.00 1,922. 79 
none none 111,840.16 none none none none 499.17 none none none 
none none none none 
 
Total------------------------$ 132,262.12 
 
 13'2 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF GIRARD 
 
President, W. V. STEPHENS 
 
Girard, Ga. Vice-Presidents, DR. LOUIS B. RO'YAL, W. P. 
 
SANDERS 
 
Cashier, W. V. STEPHENS 
 
Assistant Cashier, JUDAH B. BUXTON 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States SecuritieS-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other CommodiChtieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-__--_ 
Other Assets----------------- 
Total ------------------------$ 
 
97,900.93 11,387.50 
none none none none 1,800.00 2,200.00 3,250.00 
none 
26,819.19 none none 
none 160.31 
none 
none none 3,254.16 
146,772.09 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund DepositS--------Cashier's Checks------------BC'n.ltlisfiPeadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other LiabilitieS------------- 
 
15,000.00 none 
3,000.00 ,20,971.35 
10.00 none 37,350.02 none 64,016.98 none none 6,423.74 none none none 
none none none none 
 
Total ------------------------$ 146,772.09 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Girard, Ga. 
 
President, J. F. ODOM 
 
Vice-Presidents, J. B. HEATH, GEO. D. PERRY Cashier, ,J. C. WRIGHT 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 70,063.15 
 
Demand Loans_______________ 
 
1,168.80 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
800.00 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
180.00 4, 790.29 2,725.75 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
4,136.62 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
5,037.32 none none 
 
AdYances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none 1,468.85 
 
Other Checks and Cash Items_ 
 
601.92 
 
Letters of Credit and Accept- 
 
- - - - Ovaenrcdersaft-s--(-if--a-n-y-)--__-_-_-_-_-_-_-_._--_ 
Other Assets_________________ 
 
none none none 
 
Total ------------------------$ 90,972.70 
 
 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit__ . Savings Deposits_____________ TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances ------------~------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
'l'otal --------------------- --$ 
 
25,000.00 none 
1,000.00 5,521.61 
none none 26,813.73 none 23,450.00 3, 793.78 none 269.19 none none 5,124.39 
none none none none 
90,972.70 
 
 DEPARTMEKT OF BAKKIKG 
 
133 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE GLENNVILLE BANK  Glennville, Ga. 
 
President, W. F. DURRE~CE 
 
Vice-President, C. W. KICKLIGHTEH 
 
Cashier, J. A. JONES 
 
RESOURCES: 
 
LIABILITIES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
Advances on Other CommodiChteiecsks --fo--r--C-l-e-a-r-i-n-g--H--o-u-s-e-_-_--_ Other Checks and Cash ItemsLetters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f-a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ Other Assets_________________ 
 
242,376.37 1,985.00 none none none none 3,600.00 4,693.50 
26,152.39 
none 
40,279.13 none 
1,000.00 
none 5,196.88 
none 
none none none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
REasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
60,000.00 none 
9,500.00 8,152.41 
none none 95,191.70 127,378.09 none none none 25,061.07 none none none 
none none none nonb 
 
Total ------------------------$ 325,283.27 Total ------------------------$ 325,283.27 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PEOPLES BANK Glennville, Ga. 
 
President, S. H. HOWARD 
 
Vice-President, S. J. KICKLIGHTER Cashier, R. D. EASTERLING 
 
RESOURCES: 
 
Time Loans and DiscountS----$ 110,091.00 
 
Demand Loans--------------- 
 
7,244.28 
 
United States Securities-----State of Georgia Bonds______ 
 
46,509.80 none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 8,132.19 
 
Furniture and Fixtures______ _ 
 
2,400.00 
 
Other Real Estate Owned___ _ 
 
2,262.39 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
 
11,770.36 none 
4,103.81 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
5,216.33 none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
Other Assets------------------ - -8,5-96-.85 
 
;otal ------------------------$ 206,327.01 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CTraushstierF'sunCdhDecekps _o_s_i_ts_-_-_-_-_-_-_-_-_PCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptReasenrcvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed------------Other LiabilitieS------------- 
Total ------------------------$ 
 
25,000.00 none 
12,500.00 4,347.38 none none 
61,519.17 none 
79,779.14 1,683.25 none 2,175.42 none 
19,322.65 none 
none none none none 
206,327.01 
 
 134 
 
FouRTH ANNUAL REPOHT 
 
STATEMENT Showing Condition at Close of B!llliness December 28, 1923 
of the 
 
FARMERS BANK Glenwood, Ga. 
 
President, J. F. COOK 
 
Vice-Presidents, B. S. CALHOUN, C. M. JORDAN Cashier, W. J. FUTRAL 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia BondS-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
152,622.30 9,923.44 none none none none 
6,300.00 
 
Furniture and Fixtures------Other Real Estate Owned___ _ 
 
2,933.57 none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in Vaults -------------------JAJduevafnrcoems oOnthCeor ttBoann__k_s_-_-_-_-_-_-_- 
 
26, 892.44 30,743.90 
2, 748.85 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--- 
 
none 616.90 
 
Other Checks and Cash Items_ 
 
3,976.66 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
n0ne none 
 
- - - - - Cther Assets----------------- 
 
6,418.22 
 
Total ------------------------$ 243,176.28 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ Notes and Bills RediscountedLetters of Credit and AcceptHBeoaRnnedcrsevse Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ Other Liabilities____________ _ 
Total ------------------------$ 
 
30,000.00 none 
44,000.00 none none 
30,382.73 88,610.06 
none 27,835.58 
ncne none 2,347.91 none 20,000.00 none none none none none 
243,176.28 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
FARMERS AND MERCHANTS BANK 
 
Gordon, Ga. 
 
President, I. B. STINSON 
 
Vice-President, J. W. BROOKS, SR. 
 
Cashier, F. S. ENGLISH 
 
RESOURCES: 
TDnenmeanLdoanLsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
United States Securities-----State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from F'ederal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-_-_-_ . Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f-a-n--y-)-_-_-_-_-_-_-_-_-_~_-_ Other Assets ________________ _ 
Total --- - 
 
LIABILITIES: 
 
99,404.35 4,894.39 none none none 1225.00 3,000.00 3,483.50 4,985.81 
none 
32,403.09 1,029.89 none 
none none 403!67 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
none 
I none 
3,031.56 152,861.26 Total 
 
-----------------$ 
 
17,000.00 none 
2, 750.00 1,726.63 
none 5,000.00 76,368.64 4,500.00 44,536.76 
none 507.34 471.89 
none none none none none none none 
152,861.26 
 
 DEPAitT)fEXT OF BANKIKG 
 
135 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF GRANTVILLE Grantville, Ga. 
 
President, C. S. COLLEY 
 
Vice-President, W. A. BOHANNON 
 
Cashier, J. A. LATIMER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities_____ _ 
State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcoksusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re. Vsearuvlets A_g_e_n_t_s___ap.:_._d__C__a_s_h___in_ 
Due from Other Banks_______ Advances on Cotton__________ 
Adv&nces on Other Commodi- 
Chtieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-if--a-n-y-)--_-_-_-_-_-_-_-_-_~_-_ Other Assets_________________ 
 
85,780.93 27,400.22 
100.00 none none none 
3,000.00 1,409.55 11,143.98 
none 
25,005.15 none none none 
1,336.16 none none 
836.(82 none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------DUinvdiidveinddesd UPnrpoafiidts_-_-_-_-_-_-_-_-_-_-_-_--_ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit 'l'ime Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a--x-e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
10,000.00 3,862.53 none none 
85,301.46 none 
3,579.18 28,150.90 
none 118.7 4 
none none none 
none none none none 
 
Total ------------------------$ 156,012.81 Total ------------------------$ 156,012.81 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MERCHANTSANDFARMERSBANK Grantville, Ga. 
 
President, H. F. BAXTER 
 
Vice-President, W. A. POST 
 
Cashier, F. T. MEACHAM 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
20,684.50 6,633.02 none none none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
none none 3,138.16 none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
1,200.32 none none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items- 
 
none none none 
 
Letters of Credit and 'Accept- 
 
O vaenrcdersa f -t s- -(-i-f -a-n-y-)-_-_-_-_-_-_-_-_- _- -_-_ 
 
nnoonnee 
 
Other Assets_________________ 
 
4,946.66 
 
---- 
 
Total ------------------------$ 36,602.66 
 
LIABILITI.~<.;S: 
 
Capital Stock Paid In________ $ 
 
Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ 
 
Due to Banks---------------Deposits Subject to Check____ 
 
Demand Certificates of Deposit S'l'aimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_- 
 
Trust Fund Deposits--------Cashier's Checks------------BCleirltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
ances RBeosnedrsve 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities------------- 
 
Total------------------------$ 
 
25,000.00 none none none none none 
7,144.18 none none none none none none 
2,81_1.68 none none none none 
1,646.80 
36,602.66 
 
 -~ 
 
13'6 
 
FouRTH A"i.\NTIAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF GRAY Gray, Ga. 
 
President, W. W. MOORE 
 
Vice-President, D. Y. CHILDS 
 
Cashier, J. H. WHITEHURST 
 
RESOURCES: 
 
Time Loans and Discounts----$ 51,534.65 
 
Demand Loans--------------lo'nited States Securities______ 
 
1,250.00 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
none 2,341.07 
 
Furniture and Fixtures______ _ 
 
2,437.68 
 
Other Real Estate Owned___ _ 
 
704.67 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Ca,sh in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
28,334.85 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
66.00 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ -_ _- _ ____ 
 
none none 
 
Other Assets------------------ - - -no-ne 
 
Total ------------------------$ 86,668.92 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptReasenrcvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed____________ _ Other Liabilities------------- 
Total ------------------------1 
 
25,000.00 none none 
2,609.88 none none 
46,756.14 none 
6,127.25 none none 
1,175.65 none 
5,000.00 none 
none none none none 
86,668.92 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF GRAYMONT Graymont, Ga. 
 
President, B. L. BRINSON 
 
Vice-President, CARL E. DURDEN Cashier, W. E. GRAY 
 
RESOURCES: 
 
Time Loans and Discounts----$ 195,958.66 
 
Demand Loans--------------United States Securities______ 
 
none 531.26 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,350.00 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
2,000.00 5,216.09 
 
Furniture and Fixtures______ _ 
 
2,827.14 
 
Other Real Estate Owned___ _ 
 
3,168.10 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
4,907.28 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ 
 
6,228.96 none 
 
Advances on Cotton---------- 
 
2,696.56 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--i-e-a-rl-n-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
443.49 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f -t s- -(-i-f -a-n- -y-)---------------------- 
 
none none 
 
Other Assets----------------- 
 
none 
 
---- 
 
Total ------------------------$ 225,327.54 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimvlengCserDtiefpicoastietso_f_._D__e_p_o__s_iL__-_TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
25,000.00 none 
20,000.00 8,810.55 none none 
46,177.28 none 
26,007.91 none none none none 
22,000.00 46,531.80 
none none none 30,800.00 
 
Total ------------ -------------$ 225,327.54 
 
 DEPAln'l\IEl\'T OF BA~KING 
 
137 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF GRAYSON 
 
Grayson, Ga. 
 
President, W. T. ROBERTS 
 
Vice-Presidents, T. A. PATE, J. A. JACOBS 
 
Assistant Cashier, THELMA JOHNSON 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ---------- ------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances -------------------~OOvt heerrd r Aa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
106,319.58 5,203.40 none none 1,500.00 none 2,000.00 2,831.60 3,013.33 
1,483.11 
3,116.42 none 
627.17 
54.75 none 675.19 
none none 232.37 
 
'I'otal ------------------------$ 127,056.92 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ 
 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
 
CTraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
 
BC!elrltsifPieadyaCb'lhee_c__k_s_-_-_-_-_--_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
ances ----.----------------- 
 
ne~erve 
Bonds 
 
BfoorrrIonwteedre_s_t_ 
 
_a_n_d_ 
 
_T_a_x__e 
 
s_ 
 
Other Liabilities____________ _ 
 
40,000.00 none 
10,000.00 none none none 
19,851.64 none 
8,958.05 1,348.36 2,398.71 
128.64 none 
6,181.44 38,190.08 
none none none none 
 
Total ------------------------$ 127,056.92 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE GREENVILLE BANKING CO. 
 
Greenville, Ga. 
 
President, R. J. ATKINSON 
 
Vice-President, J. L. RENDER 
 
Cashier, W. L. PINKSTON 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _-_-_-_-_-_-_-_-.-:_-_ Other Assets_________________ 
Total ------------------------$ 
 
426,115.75 1,109.06 none none 4,950.00 none 
18,500.00 11,200.00 24,569.50 
21,238.63 
65,691.32 none 
1,984.34 
none 1,000.81 
none 
none 118.58 93,910.12 
670.388.11 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other LiabilitieS------------- 
 
65,000.00 none 
100,000.00 37,370.28 none 655.02 
252,529.67 none 
74,597.14 none none 
2,086.69 none 
93,746.00 44,303.31 
none none none 100.00 
 
Total ------------------------$ 670,388.11 
 
 138 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PEOPLES BANK 
 
President, H. W. HILL 
 
Greenville, Ga. Vice-Presidents, A. F. HILL, N. F. CULPEPPER Cashier, H. W. HILL, JR. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
AdYances on Other Commodities ----------------------- 
Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OO vt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
120,661.13 581.58 
17,905.40 none 
1,750.00 900.00 
1,940.00 450.00 none 
10,481.18 
54,301.82 none 
848.46 
none 38.92 356.38 
none none none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks____________ _ 
CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnendrcsvees Bf-oo-rr-r Io-n-w-t ee-dr-e-_s-_t-_ -_a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
30,000.00 none 
27,606.17 10,857.72 
none none 109,413.55 none 32,089.09 none none 248 ..38 none none none 
none none none none 
 
Total ------------------------$ 210,214.91 Total ------------------------$ 210,214.91 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
GRIFFIN BANKING CO. Griffin, Ga. 
 
President, J. P. NICHOLS 
 
Vice-Presidents, E. C. SMIT~, J. P. NICHOLS, JR. Cashier, J. N. BELL 
 
-------- 
Time Loans 
 
- -R-E S-O-U- R- C- E-S-:- - - 
and Discounts----$ 
 
------606,177.09 
 
. 
 
-C-a-pi-ta-l-S-t-oc-kL-IP-Aa-iBd-I-LIn-IT_-_I-_E_-S_-_:_-_ 
 
- 
$ 
 
------100,000.00 
 
Demand Loans--------------United States Securities______ 
State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and BondS-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ 
Due from Federal Reserve 
 
32,114.11 none none none 
28,434.00 10,000.00 
2,700.00 11,498.89 
 
Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit 'l'ime Certificate of Deposit_ __ Savings Deposits_____________ 
 
none 50,000.00 70,085.03 
8,000.00 822.25 
445,419.64 
141,017.27 none 
69,474.39 
 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
Advances on Cotton---------Advanees on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e-----Other Checks and Cash Items_ Letters of Credit and Accept- 
 
none 
130,347.12 none 
32,985.68 
none 30,036.05 
921.30 
 
CT ar us hs ite rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
C('rtified Checks-------------Bills Payable ____ ------------Notes and Bills RediscountedLetters of Credit and Accept- 
Reasnercvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
none 1,658.88 
none none . none 
none none none none 
 
ances ------------------~Overdrafts (if any)----------Other Assets_________________ 
 
none 1,190.60 
72.62 
 
----Total ------------------------$ 886,477.46 rota! ------------------------$ 886,477.46 
 
 DEPART-'\IENT OF BANKING 
 
139 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
MERCHANTS AND PLANTERS BANK 
 
Griffin, Ga. 
 
President, J. C. BROOKS 
 
Vice-President, J. S. TYUS 
 
Cashier, 0. S. TYUS 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States SecuritieS-----State of Georgia BondS-----Stock in Federal Reserve Bank OBathnekrinSgtoHcoksusaen_d___B_o__n_d_S_-_-_-_-_-_- 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca.sh in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities -------------------- __ _ 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i-f -a-n-y- -) -_-_-_-_-_-_-_-_-_-_-_ 0ther Assets_________________ 
 
520,555.99 29,721.51 25,000.00 none none 37,225.00 19,500.00 3,564.44 ,69,003.87 
none 
83,112.71 7,191.17 1,500.00 
none 3,118.73 
53.02 
none 10,667.53 
none 
 
Total ------------------------$ 810,213.97 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_ -_ _- _- _-_-_-_-_-_- _- 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCdhDecekpso__s_i: _ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------neserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
100,000.00 none 
100,000.00 10,470.84 4,000.00 none 
352,534.20 none 
217,421.44 none none 
436.22 none 
25,000.00 none 
none none none 351.27 
 
Total ------------------------$ 810,213.97 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
SAVINGS BANK OF GRIFFIN 
 
Griffin, Ga. 
 
President, B. R. BLAKELY 
 
Vice-Presidents, J. H. SMITH, ),f. J. DANIEL 
 
Cashier, E. H. GRIFFIN 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ 
Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca,sh in Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_--_ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f -t s- -(-i-f-a- n- -y-)-_-_-_-_-_-_-_-_._-_, -_ Olher Assets_________________ 
 
280,923.71 91,347.19 21,700.00 none none 16,565.00 11,410.00 7,813.00 20,541.00 
none 
37,151.77 none none 
none 7,554.68 1,358.37 
none 9,652.38 
none 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid------------Due to Banks------------~--Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
 
100,000.00 none 
25,000.00 11,512.46 
7,000.00 none 
110,463.55 55,591.97 none 
165,984.33 none 
3,263.54 none 
15,000.00 12,201.25 
none none none none 
 
Total ------------------------$ 506,017.10 'l'otal ------------------------$ 506,017.10 
 
 140 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
EFFINGHAM COUNTY BANK Guyton, Ga. 
 
President, B. P. POWERS 
 
VicePresident, W. A. GNANN 
 
Cashier, THO'S SHEAROUSE 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 61,333.49 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ 
 
none 4,000.00 
 
Furniture and Fixtures_______ 
 
5,075.00 
 
Other Real Estate Owned___ _ 17,397.13 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other BankS------- 
 
2,328.80 65.25 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
263.91 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none 413.47 
 
Other Assets_________________ 
 
3,130. 73 
 
----- 
 
Total ------------------------$ 94,007.78 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check---Demand Certificates of Deposit ETaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnendrcsveesBf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x-_~_e-s_ Other Liabilities------------- 
Total -----------------------$ 
 
15,000.00 none 
1,250.00 none none none 
20,541.58 none 
1,579.33 41,184.99 
none 30.83 none 12,846.36 none none none none 1,574.69 
94,007.78 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
JONES COUNTY BANK 
 
President, T. R. TURNER 
 
Haddock, Q-a. VicePresident, R H. KINGMAN, JR. 
Cashier, G. A. SMITH 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcoksusaen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-._-_- _- 
Total ------------------------$ 
 
42,341.61 63,648.61 
none none none 450.00 1, 700.11 1,803.11 1,434.01 
none 
9,700.73 none none 
34.73 none 120.00 
none 159.52 none 
121,392.43 
 
LIABILITIBS: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_ -_ _- -_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ 
BC:elrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
25,000.00 none 
15,000.00 14,376.95 
112.00 none 
46,841.00 none 
12,150.00 none none 456.46 none none 
7,000.00 
none 456.02 
none none 
 
Total ------------------------$ 121,392.43 
 
 DEPART:\IE::'\T OF BANKING 
 
141 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF HAHIRA Hahira, Ga. 
 
President, W. H. OVERSTREET SMITH 
 
Vice-Presidents, W. H. McKINNON, DR. E. .T. Cashier, 0. BEATY 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia BondS-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_-_- 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
ruVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
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_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_ -_ _- _- _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
248,040.56 873.47 ncne neone ncne none 
1,882.75 2,086.44 1,356.84 
none 
25,578.03 1,526.32 370.00 
847.29 14.25 none 
none 50.00 none 
 
Total ------------------------$ 282,625.95 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit,__ Savings Deposits_____________ TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks______________ Bills Payable________________ _ 
Notes and Bills RediscountedLetters of Credit and AcceptRt<asnecrvees f-o-r--In--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
35,000.00 nl,ne 
10,000.00 23,729.57 
8.00 none 82,159.03 867.73 90,385.53 none none 476.09 ncne 40,000.00. none 
none none none none 
 
Totnl ------------------------$ 282,625.95 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK OF HAHIRA Hahira, Ga. 
 
President, J. W. COPPAGE 
 
Vice-President, E. D. wEBB, SR. Cashier, D. K. HOLLIS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 115,432.90 
 
Demand Loans--------------United States Securities______ 
 
7,916.83 50.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none ncne 
 
Furniture and Fixtures______ _ 
 
3,577.91 
 
Other Real Estate Owned____ 14,078.04 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
:CuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
22,946.27 355.30 
1,569.01 
 
Advances on Other Commodi- 
 
ties ----------------------Cbecks for Clearing House __ _ 
 
100.49 1,188.36 
 
Other Checks and Cash Items_ 
 
226.55 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y- )-_-_-_- -_-_-_-_-__-_-_- 
 
nnoonnee 
 
Other Assets_________________ 18,690.98 
 
----- 
 
Total ------------------------1 186,132.64 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
SUunrdpilvuisd e d- -P-r-o-f-i-t -s -_-_-_-_-_-_-_ _- _- _-_-_- -_ Dividends Unpaid____________ _ Due to Banks________________ 
 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit. __ Savings Deposits____________ _ 
 
Trust Fund Deposits--------Cashier's Checks____________ _ 
 
BCDe rltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
 
Notes and Bills Rediscounted_ 
 
Letters of Credit and Accept- 
 
R.easnecrvees 
 
-------------------~- 
for Interest and Taxes 
 
Bonds Borrowed____________ _ 
 
Other Liabilities------------- 
 
30,000.00 15,000.00 
none 2,283.49 
none 12,157.77 59.626.37 29,000.00 23,168.84 
none none 196.17 none 9,500.00 2, 700.00 
none none none 2,500.00 
 
Total ------------------------1 186,132.64 
 
 142 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF HAMILTON Hamilton, Ga. 
 
President, C. H. COOK 
 
Vice-President, J. H. MOBLEY Cashier, R. B. MANNING 
 
RESOURCES: 
 
LlABILITI)!;S: 
 
Time Loans and Discounts----$ Demand Loans--------------united States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ 
Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned ___ _ Due from Federal Reserve 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
82,923.42 3,668.16 none none none 3,000.00 1,686.16 2,800.54 
17,937.18 
none 
 
serve Agents and Cash in  DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ 
Advances on Cotton __________ 
 
16,874.56 17,000.00 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
 
none none 
226.87 
 
ances --------------------Overdrafts (if any)----------- 
 
none 69.76 
 
- - - - Other Assets----------------- 
 
6,267.43 
 
Total ------------------------$ 152,454.08 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Saving~ Deposits------------CT raus hs ti e rF' su nCdhDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnendrcsveesBf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-__-a_-n_-d_-_-T_-a_-x_-_e-s-_ 
Other Liabilities------------- 
 
16,200.00 none 
3,240.00 none none none 
69,636.61 none 
61,320.19 none none 7.50 none 
2,049.78 
vone none none none none 
 
Total-----------------------$ 152,454.08 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK: OF HAMPTQN Hampton, Ga. 
 
President, W. P. WILSON 
 
Vice-President, D. J. ARNOLD 
 
Cashier, J. 0. RUTHERFORD 
 
RESOURCES: 
 
Time Loans and Discounts----~ 224,326.10 
 
Demand Loans--------------United States Securities______ 
 
600.00 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bani< 
 
none 
 
OBtahnerkiSntgocHkosuasen_d__B__o_n_d_s_-_-_-_-_-- 
 
16,580.00 none 
 
Furniture and Fixtures_____. 
 
1,200.00 
 
Other Real Estate Owned___ _ 
 
6,075.01 
 
Due from Federal Reserve 
 
DuBea 
 
nfrko 
 
-~-------------------m Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O-th-e-r--B--a-n-k-s-_-_-_-_-_-_--_ 
 
30,001.63 1,870.00 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items- 
 
5,082.94 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafs-tss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_---_ 
- 
 
- 
 
- 
 
none none 
-no-ne 
 
Total ------------------------$ 285,735.68 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
C<rtified CheckS-------------Rills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptR!a'snecrvese f-o-r--I-n-t-e-r-e-s-t -a-n-d--T--a-x-e-s Bonds Borrowed------------Other LiabilitieS------------- 
 
25,000.00 none 
30,000.00 25,001.39 
none none 79,673.77 none 125,945.45 none none 
4.62 none none none 
none 110.45 
none none 
 
Toto!------------------------$ 285,735.68 
 
 DEPARTMENT OF BANKING 
 
143 
 
----------------------- 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF HAPEVILLE 
 
Hapeville, Ga. 
 
President, J. :M. DANIEL 
 
Vice-President, 0. C. KIDD 
 
Cashier, ZACK ADAMSON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 164,188.45 
 
Demand Loans--------------United States Securities______ 
 
4,970.75 903.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ 
 
none 
 
Banking House--------------Furniture and Fixtures______ _ 
 
2,673.64 3,102.45 
 
Other Real Estate Owned___ _ 
 
1,476.09 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
25,224.49 
none none 
 
Advances on Other Commodi- 
 
ties ---------- ------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items_ 
 
792.78 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
 
none 717.52 
 
Other Assets ________________ _ 
 
none 
 
---- 
 
Total ------------------------$ 204,049.17 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
 
15,000.00 none 
15,200.00 3,016.52 none none 
126,371.67 none 
11,857.82 25,555.30 
6,542.61 55.25 
450.00 none none 
none none none none 
 
Total ------------------------$ 204,049.17 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF COLUMBIA COUNTY 
Harlem, Ga. 
 
Presiflent, E. D. CLARY 
 
Viee-President, J. T. BARNSLEY Cashier, W. S. LAZENBY 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans______________ _ 
 
90.454.76 4,012.00 
 
United Sta.tes Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
ORathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 6,000.00 
 
Furniture and Fixtures_______ . 2,104.59 
 
Other Real Estate Owned____ 
 
1,849.68 
 
Due from Federal Reserve 
 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-__-_-_-_-__--_ Advances on Cotton _________ _ 
 
69,751.06 none 
none 
 
Advances on Other Commodi- 
 
ties ---------- _------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items_ 
 
229.86 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOtvheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
 
1,0~3.68 
none 
 
--------- 
 
Total ------------------------' 17!'i,425.63 
 
LIABILITIES: 
C'apital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DDiuvei dteon dBs aUn knsp_a_i_d_ _- -_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Denosit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities____________ _ 
 
25,000.00 none 
9,902.60 4,398.53 
28.00 none 105,588.30 none 30,274.84 none none 233.36 none none none 
none none none none 
 
Total ------------------ ------~ 175,425.63 
 
 14 
 
FouRTH ANNL"AL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE HARTWELL BANK 
 
Hartwell, Ga. 
 
President, D. C. ALFORD 
 
Vice-Presidents, R. C. THORNTON, (ActiYe); l\1:. ~1:. 
 
NORMAN 
 
Cashier, F. S. WHITE 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from F'ederal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca,sh in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Gther Assets ________________ _ 
 
362,188.17 2,047.22 none none 2,700.00 3,215.00 6,979.00 4,465.64 none 
21,404.39 
29,830.57 1,434.41 
35,585.36 
1,459.88 18,050.08 
4,218.37 
none none none 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks-~-------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund DBposits________ _ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasnercvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
60,000.00 none 
30,000.00 24,648.74 
none none 262,281.11 none 99,190.72 10,818.06 4,067.44 2,245.67 none none none 
none none none 326.35 
 
Total ------------------------$ 493,578.09 Total -------------------- ----$ 493,:>78.09 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PLANTERS BANK Hawkinsville, Ga. 
 
President, N. A. JELKS 
 
Vice-President, W. :X. PARSONS Cashier, C. H. REYNOLDS 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c_o_: _u_n_t_s_-_-_--_$ 
United States Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaulftr>o~m -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------OO vt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
174,519.85 61,883.83 none none none none 15,000.00 none 2,137.10 
none 
132,956.35 144.46 
35,650.30 
none 1,112.80 
187.24 
none none none 
 
Total ------------------------$ 423.591.93 
 
LIABILITIJ<;S: 
Capital Stock Paid In________ ~ Amount Heserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks____________ _ Certified Checks____________ -~~ills Payable _________________ _ 
Notes and Bills Hediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
50,000.00 none 
50,000.00 48,392.77 
none none 143,860.84 267.20 106,445.41 none 21,542.81 798.60 none none none 
none 2,284.30 
none none 
 
'l'otal ------------------------$ 423,591.93 
 
 DEPARTMENT OF BANKING 
 
145 
 
STATEMENT Showing Condition at Close of Business DecemlJer 28, 1923 
of the BANK OF HAZLEHURST 
Hazlehurst, Ga. 
 
President, T. H. WEATHERLY 
 
Vice-President, Z. W. KIRKLAND 
 
Cashier, J. F. MATTHEWS 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 199,794.85 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
884.92 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned____ 
 
none 4,940.42 
2,846.69 
16,332.28 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Ca,sh in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
11,947.57 7,858.22 none 
 
Advances on Other Commodi- 
 
ties ----------------------C'hecks for Clearing House--- 
 
1,420.70 none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances -----'---------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
7,879.05 
 
----Total ------------------------$ 253,404.70 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ 
DDiuveidteondBsaUnkn.sp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-e_-s_ 
Other Liabilities------------- 
 
15,000.00 none 
3,000.00 no;ne none none 
102,990.42 none 
113,656.04 none none 
3,458.24 none 
13,000.00 2,300.00 
none none none none 
 
Total ------------------------$ 253,404.70 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF HELEN Helen, Ga. 
 
President, JNO. E. MITCHELL 
 
Vice-President, W. A. WHITE 
 
Cashier, M. J. WILLIAMS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 60,269.65 
 
Demand Loans--------------United States Securities______ 
 
12,129.20 3,500.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_-_- 
Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
none 3,250.00 
1,246.20 771.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Ca,sh in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ .Advances on Cotton__________ 
 
34,133.21 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 41.54 
 
Other Assets----------------- 
 
none 
 
---- 
 
Total ------------------------$ 115,340.80 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _- _-_- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ TC ar us hsite rF'  su nCd hDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
 
15,000.00 none 
3,000.00 5,983.56 
60.00 none . 38,195.74 none 53,071.49 none none 30.01 none none none 
none none none none 
 
'l'otal --- ---------------------$ 115,340.80 
 
 146 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK Helena, Ga. 
 
President, 0. W. TURNER 
 
Vice-President, R. L. CLARK Cashier, J. T. WEST 
 
RESOURCES: 
 
LIABILITU.:S: 
 
Time Loans and Discounts----$ Demand Loans--------------Gnited States Securitles-----Sta te of Georgia BondS-----Stock in Federal Reserve Bank BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate owned___ _ 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
42,282.37 170.00 none none none 
1, 700.00 2,350.71 2,150.00 3,968.52 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
2, 725.42 none none 
 
Advances on Other Commodi- 
Chteiecsks-f-o--r -C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ 
 
none 505.32 329.70 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y-)-_-_-_-_-_-_-_-_- _- -_-_ 
 
1n76o.n4e1 
 
Other Assets------------------ - -7-66.-82 
Total ------------------------$ 57,125.27 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _RCi"lrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bins RediscountedLetters of Credit and AcceptReasnercvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
Total-----------------------$ 
 
15,000.00 none none none none none 
15,798.04 none 
13,728.14 none none 
1,181.21 none 
6,500.00 2,995.20 
none none none 1,922.68 
57,125.27 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF HIAWASSEE Hiawassee, Ga. 
 
President, J. F. JOHNSON 
 
Vice-Presidents, J. J. KIMSEY, J. M. RICE Cashier, W. 0. SPARKS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 180,012.41 
 
Demand Loans--------------- 
 
none 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBtahnekrinSgtoHckosusaen_d__B__o_n__d_s_-_-_--_-- 
 
none none 
 
Furniture and Fixtures______ 
 
none 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash In 
 
Vaults -------------------- 21,405.52 
 
DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
15,436.60 none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none none 
 
Other 
 
As 
 
s 
 
e 
 
t 
 
s 
 
--- 
 
-- 
 
--- 
 
--- 
 
-- 
 
--- 
 
-- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 216,854.53 
 
LIABILITIES: 
Capital Stock Paid ln________J 
Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_- 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
RC<illrstifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
TIEa>nscerevse f-o-r--I-n-t-e-r-e-s-t-a-n-d--T--a-x-e-s Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
5,000.00 8,479.44 
ncne none 44,812.26 none 143,242.14 nt,ne none 320.69 none none none 
none none none none 
 
Total ------------------------$ 216,854.53 
 
 DEPARTMENT OF BANKING 
 
147 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF HILLSBORO Hillsboro, Ga. 
 
President, J. T. GARLAND 
 
Cashier, E. B. McCULLOUGH 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from F'ederal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents tt'nd Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ ,\dvances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
OOvtahenercrdersAafst-ss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_-_--_--_--_--_--_---_- 
Total ------------------------$ 
 
112,119.40 17,865.18 10,000.00 none none 9,000.00 1,810.00 1,200.00 none 
none 
34,566.66 3,530.42 455.40 
none none 211.50 
none none none 
190,758.56 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_ -_ -_ _- _- _- _- -_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STatmviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified CheckS-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Acceptl:eaRnecrevse f-o-r--I-n-t-e-r-e-s-t -a-n-d--T-a--x-e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
10,000.00 368.37 none none 
47,756.17 none 
107,137.91 none none 
496.11 none none none 
none none none none 
 
Total ------------------------$ 190,758.56 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
THE HINESVILLE BANK 
 
Hinesville, Ga. 
 
President, D. F. MARTIN 
 
Vice-President, J'. G. RYAN 
 
Cashier, GEO. H. KEEN 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBtahnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from F'ederal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ 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 ItemsLetters of Credit and AcceptOvaenrcdersaf-ts--(-i-f-a-n--y-)-_-_-_-_-_-_-_-_-_~_-_ 
Other Assets----------------- 
 
Total 
 
-----$ 
 
LIABILITIES: 
 
80,066.91 none none none none none 
3,000.00 1, 765.04 2,649.00 
none 
17,574.76 none none 
none none none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_ -_ -_ _- _- _- _- _- _-_-_- -_ 
 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ 
Demand Certificates of Deposit Time Certificate of Deposit___ 
Savings Deposits------------TCraushstieFr'sunCdhDeecpkoss_l_t_s_-_-_-_-_-_-_~_-_-_ 
 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
Reasnecrvese 
 
-------------------~- 
for Interest and Taxes 
 
Bonds Borrowed------------- 
 
Other Liabilities------------- 
 
none 
I none 
none 
105,055.71 Tetal -----------'------------$ 
 
15,000.00 none 
3,000.00 5,852.60 
none none 56,846.23 none 21,724.57 none none 2,632.31 none none none 
none none none none 
105,055.71 
 
 148 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF mRAM Hiram, Ga. 
 
President, W. W. HUNT 
 
Vice-President, J. S. PARIS Cashier, W. C. LEAKE 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Vue from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities -------------------- __ _ 
Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
 
56,407.74 none none none none none 
1,900.00 2,404.20 2,848.18 
none 
9,348.97 2,964.52 
none 
4, 722.88 none none 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
1.12 
 
- - - - - Other Assets_________________ 
 
1,587.85 
 
Total ------------------------$ 82,185.4 6 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------J~eserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
10,000.00 none none none 
33,414.46 none 
12,7 42.56 10,480.00 
none 548.44 
none none none 
none none none none 
82,185.46 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
HOGANSVILLE BANKING CO. Hogansville, Ga. 
 
President, J. F. ASKEW 
 
Vice-President, W. E. JOHNSON Cashier, W. E. JOHNSON 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca.sh in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 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. Letters of Credit and AcceptOOvtahenercrdersAafst-ss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_-~_---_ 
Total ------------------------$ 
 
141,225.63 5,571.32 151.00 none none none none 3,000.00 456.7 4 
none 
16,619.18 none 
5,191. 79 
none none 487.08 
none 411.15 1,177.06 
174,290.95 
 
LIABILITIES: 
 
Capital Stock Paid 111--------$ Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ 
 
Deposits Subject to Check___ _ 
Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
 
CT ar us hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted_ 
 
Letters of Credit and Accept- 
 
RBeoasnnedcrsvees 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities------------- 
 
25,000.00 none 
41,000.00 none none none 
49,47 4. 7Z none 
10,365.54 none none 
2,843.75 none 
45,467.86 none 
none none none 139.08 
 
Total ------------------------$ 174,290.95 
 
 DEPARTMENT OF BANKING 
 
149 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
BANKS COUNTY BANK 
 
Homer, Ga. 
 
President, R. T. THOMPSON 
 
Vice-President, J. S. JOLLY 
 
Cashier, W. S. WHITWORTH- 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House ______________ _ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------ADduYe afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_Advances on Other Commodities ---------- ------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Acceptances --------------------Overdrafts (if any)----------Other Assets----------------- 
Total ------------------------$ 
 
LIABILITIES: 
 
62,781.07 50.00 none none none none 
2,500.00 2,027.94 2,250.00 
none 
26,364.90 none none 
none none none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ 
Bills Payable-----------~---- Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-rI-on-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_ _-T_-a_-x_- _-e-s_ 
Other Liabilities------------- 
 
none 
I none 
none 
95,973.91 Total ------------------------$ 
 
15,000.00 none none 
280.03 none none 
50,264.30 none 
30,429.58 none none none none none none none none none none 
95,973.91 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF HOMERVILLE Homerville, Ga. 
 
President, R. G. DICKERSON 
 
Vice-President, W. V. MUSGROVE 
 
Cashier, G. A. GIBBS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans------------'--United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House___ Other Checks and Cash HemeLetters of Credit and Accept- 
ances --------------------OOvt heer rd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- _- 
Total ------------------------$ 
 
260,421.46 8,228. 70 3,500.00 none none none 1,717.62 2,851.09 none 
none 
55,818.18 none none 
none none 1,521.27 
none 12,092.48 
none 
346,150.80 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
30,000.00 3,051.87 750.00 non!) 
115,295.50 none 
141,075.85 29,959.69 none 1,017.89 none 10,000.00 none 
none none none none 
 
Total ------------------------$ 346,150.80 
 
 150 
 
FouRTH AN::'i'UAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
CLINCH COUNTY BANK Homerville, Ga. 
 
President, J. F. DAUGHARTY 
 
Vice-Presidents, P. R. LEE, H. G. HUEY 
 
Cashier, W. C. WOOTEN 
 
RESOURCE~S~=-----------.--------~L=I=A=B=I=L=I~T=I=E=S~:__________ 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securi ties_____ _ 
State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and Bonds-----BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
 
44,947.56 1,575.00 none none none none 2,446.23 3,087.24 1, 755.00 
none 
10,187.90 none none 
none 684.36 
none 
 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits~----------- DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Tlme Certificate of DeposiL-Savings Deposits------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
CBiultlsifiPeadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-te-e-dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ 
Other Liabilities------------- 
 
18,000.00 none 
1,200.00 none 16.00 none 
24,538.33 none 
21,339.61 386.80 none 771.97 none 
3,000.00 none 
none none none none 
 
Ovaenrcdersaft-s--(-if--a-n--y-)---------------------- 
 
none 242.99 
 
Other Assets-----------------_ _ _4_,3_2_6_.4_3 
 
Total ------------------------$ 69,252.71 Total - -----------------------$ 69,252.71 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF HOSCHTON Hoschton, Ga. 
 
President, H. P. DELAPERREERE 
 
Vice-Presidents, W. M. SMITH, H. J. LOTT 
 
Cashier, B. F. WILSO"N 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States SecuritieS-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned ___ _ 
 
44,795.95 none none none 
1,350.00 none 
1, 700.00 2,010.50 
none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Reserve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
2,308.13 
18,218.98 13,128.88 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
 
none none 45.35 
 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)---------------- -- -- -- 
 
nnoonnee 
 
Other Assets------------------ - -164- .08 Total ------------------------$ 83,721.87 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ F-ills Payable_________________ Notes and Bills RediscountedLetters of Credit and AcceptR(asnecrvese f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
T0tal ------------~-----------$ 
 
30,000.00 none 
15,000.00 2,423. 71 none none 
34,298.64 none 
1,955.78 none none 43.74 none none none 
none none none none 
83,721.87 
 
 DEPARTMENT OF BANKING 
 
151 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PEOPLES BANK 
 
Ideal, Ga. 
 
President, A. M. PARK 
 
Vice-President, J. H. KELLEY Cashier, JESSE WILLIAMS 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 60,126.48 
 
Demand Loans------'--------United States Securities_____ _ State of Georgia Bonds_____ _ 
 
none 273.57 none 
 
Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n_d__s__________ __ Furniture and Fixtures______ _ 
 
none 225.00 2,425.00 
3,159.28 
 
Other Real Estate Owned---- 
 
360.00 
 
Due from Federal Reserve 
 
DuBeafnrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
 
21,485.11 none 
5,207.29 
 
Advances on Other Commodi- 
 
ties ---------------'-------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_--_ 
 
nnoonnee 
 
Other Assets------------------ - -7-36.-10 
Total ------------------------$ 93,997.83 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-__-_-_-_-_-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit S'l'aimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptRB<oOannsdecsrevesBf-oo-rr~rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x-_-_es_ Other Liabilities------------- 
Total ----------------------~-$ 
 
15,000.00 none none none none none 
58,556.95 none 
11,610.21 none none 
830.67 none 
8,000.00 none none none none none 
93,997.83 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ILA Ila., Ga. 
 
President, A. S. WESTBR-OOK 
 
Vice-President, J. H. HENLEY 
 
Cashier, .:f. L. THOMPSON 
 
RESOURCES: 
 
Time Loans and Discounts----f 55,658.86 
 
DUenmiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_- 
 
none none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House_______________ 
 
none 2,487.42 
 
Furniture and Fixtures______ _ 
 
1,615.80 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
2,613.15 22,910.83 
none 
 
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------ 
 
none 612.18 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-if--a-n-y-)--_-_-_-_-_-__-_-_-_~-_ Other Assets_________________ 
 
none 85.00 
none 
 
----- 
 
Total ------------------------$ 85,983.24 
 
LIABILITIES: .Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified CheckS-------------Bills Payable____ ------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes OBothnedrs LBiaobrirliotiwese_d:_--_-_-_-_-_-_-_-_-_-_-_- 
Total ------------------------$ 
 
15,000.00 none 
10,000.00 10,997.54 
none none 29,965.50 none 19,965.52 none norte 54.68 none none none none none none none 
85,983.24 
 
 152 
 
FouRTH ANNUAL REPORT 
 
STATEMENT ShQwing Condition at Close of Business December 28, 1923 
of the 
 
SEMINOLE BANK Iron City, Ga. 
 
President, I. STRICKLAND 
 
Vice-President, A. J. GREENE, C. P. WESTER 
 
Cashier, C. P. WESTER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 25,488.67 
 
DU enmi t eadn dS tLa toeas nSs e- -c-u-r-i -t i-e-s-_-_-_-_-_-_- 
 
118.76 none 
 
State of Georgia BondS-----Stock in Federal Reserve Bank 
 
none none 
 
Other Stocks and Bonds------ 
 
none 
 
BF ua nr nkiitnugr eHaonuds eF-i x- -t-u-r-e-s-_-_-_-_-_-_- _- 
 
3,500.00 2,103.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks------- 
 
17,918.10 1,260.00 
 
Advances on Cotton---------- 
 
none 
 
Adv&nces on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Item!_ 
 
76.37 
 
Letters of Credit and Accept- 
 
O 
 
vaenrcdersa 
 
f 
 
-------------------~- 
ts (if any)___________ 
 
1n03o.n3e1 
 
- - - - - Other Assets_________________ 
 
1,601.40 
 
Total ------------------------' 52,169.61 
 
Capital Stock Paid In________$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund DepositS--------Cashier's Checks------------Certified CheckS-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-te-e-rde-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-e_-s_ Other Liabilities____________ _ 
Total ------------------------ 
 
15,000.00 none none none none none 
24,127.15 none 
10,386.06 1,127.82 none 821.75 none none none none none none 906.83 
52,169.61 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF IRWINVILLE Irwinville, Ga. 
 
President, J. B. CLEMENTS 
 
Vice-President, W. R. BOWEN 
 
Cashier, W. D. DORMINEY, JR. 
 
RESOURCES: 
 
Time Loans and Discounts----$ 72.474.43 
 
DU enmi t eadn dS tLa toeas nSs e- -c-u-r-i -t i-e-s-_-_-_-_-_- _- 
 
13,800.00 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 1,379.02 
 
Furniture and Fixtures_______ 
 
2,596.16 
 
Other Real Estate Owned---- 
 
360.00 
 
Due from Federal Reserve 
 
. Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ 
 
4,819.51 none 
 
Advances on Cotto.n---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
535.7 4 
 
Letters of Credit and Accept- 
 
- - - - OOvtahenercrdersAafs-tss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_---_ 
 
none none none 
 
'rota! ------------------------ 95,964.86 
 
LIABILITI.!!;S: 
 
Capital Stock Paid In________ $ 
 
Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
 
Deposits Subject to Check____ 
Demand Certificates of Deposit 'l'ime Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCJelr!tsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes Letter 
 
sanodr 
 
Bills RediscountedCredit and Accept- 
 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
Total ------------------------f 
 
25,000.00 none 
10,000.00 7,519.38 none none 
18,853.04 none 
5,319.02 21,164.50 
none 108.92 
none 8,000.00 
none none none none none 
95,964.86 
 
 'DEPARTMENT OF BANKING 
 
153 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
IRWINTON BANK Irwinton, Ga. 
 
President, GEO. H. CARSWELL 
 
Vice-President, DR. W. H. P ARKE'R 
 
Cashier, N. H. BACON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 92,623.03 
 
Demand Loans--------------United States Securities______ 
 
2,300.00 500.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_-_--_-__- 
 
none 4,240.50 
 
Furniture and Fixtures_______ 
 
none 
 
Other Real Estate Owned____ 
 
486.37 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
29,550.19 2,000.00 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances ---------------------- 
 
none 
 
Overdrafts (if any)----------Other Assets_________________ 
 
76.41 4,935.66 
 
----- 
 
Total ------------------------$ 136,712.16 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bill.s Rediscounted_ Letters of Credit and Accept- 
ances ---------------------RBeosnedrsv e Bf oorrr.oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
15,000.00 none 
3,000.00 3,485.01 
40.00 none 55,392.63 none 45,856.51 none none 737.79 none 13,176.22 none 
none none none 24.00 
 
Total ------------------------$ 136,712.16 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Jackson, Ga. 
 
President, J. H. CARMICHAEL NICHOLS 
 
Vice-Presidents, GEO. E. MALLET, S. P. Cashier, C. T. BEAUCHAMP 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOtvheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
Total ------------------------$ 
 
328,778.28 14,963.74 1,000.00 none none 1,800.00 5,899.94 4,756.71 18,626.71 
none 
65,246.22 8,012.68 
60,785.06 
none 786.00 none 
59,672.71 none 
4, 701.22 
575,029.27 
 
LIABILITIES: 
Capital Stock Paid In________$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpajd ____________ _ Due to Banks________________ Deposits Subjeet to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ 5avings Deposits_____________ 
CT raus hs ti e rF''su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
CB ei lrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
RBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e--s_ 
Other Liabilities------------- 
 
125,000.00 none 
12,500.00 12,945.09 
60.00 none 259,226.09 none 100,118.70 none none 506.68 none none 5,000.00 
59,672.71 none none none 
 
Total ---------------------~--$ 575,02~ 
 
 154 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
JACKSON BANKING CO. Jackson, Ga. 
 
President, F. S. ETHERIDGE 
 
Vice-President, J. B. SETTLE 
 
Cashier, L_ p_ McKIBBEN 
 
- - - - - -R-E-SOURCES: 
 
Time Loans and Discounts----$ 195,848.87 
 
Demand Loans--------------- 38,509.79 
 
UP.ited States SecuritieS------ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
3,600.00 
 
Other Stocks and Bonds------ 16,790.99 
 
BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ 
 
3,468.26 3,516.20 
 
Other Real Estate Owned---- 14,614.84 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
8,734.63 
 
serve Agents and Cash in 
 
Vaults -------------------- 39,195.52 
 
ADduevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
3,258.13 none 
 
Advances on Other Commodi- 
 
ties ------- ---------------Checks for Clearing House--- 
 
none 12.15 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n--y-)---------------------- 
 
none 122.81 
 
vt.her 
 
Ass 
 
e 
 
t 
 
s-- 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
----- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 327,67,2.19 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Bank,S---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ Certified Checks-------------Bills Payable----------------Notes arid Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
100,000.00 none 
20,000.00 15,099.64 
none 5,996.00 79,911.31 3,080.00 40,285.37 48,144.47 14,918.35 
237.05 none none none 
none none none none 
 
Total ------------------------$ 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF JAKIN Jakin, Ga. 
 
President, J. S. SHERMAN 
 
Cashier,.E. C. SMITH 
 
Vice-President, E. C. SMITH 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 35,355.93 
 
Demand Loans--------------- 
 
none 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
200.00 
 
BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ 
 
3,000.00 2,119.39 
 
Other Real Estate Owned ___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
none 2,182.62 
none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
 
none none 
 
Other 
 
Asse 
 
t 
 
s 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
-- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 42,857.94 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ DDiuvei dteon dBs aUn knsp_a_i_d__- -_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o__s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasenrcvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
24,600.00 none none 
368.45 none none 
17,818.79 none 65.00 none none 5.70 none none none 
none none none none 
42,857.94 
 
 DEPARTMENT OF BANKING 
 
155 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
PICKENS COUNTY BANK 
 
Jasper, Ga. 
 
President, SAM TATE 
 
Vice-President, R. L. McCLAIN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 156,027.97 
 
Demand Loans--------------- 
 
8,626.50 
 
United States Securities______ 
 
none 
 
Rtate of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds _____ Banking House______________ _ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
14,460.00 2,695.00 3,126.50 3,408.19 
 
Due from Federal Reserve 
 
Bank ----"-----------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ 
 
82,450.61 none none 
 
.Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
832.81 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none 179.00 
 
- - - - Other Assets----------------- 
 
241.80 
 
Total ------------------------$ 1272,048.38 
 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances -----.---------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
12,500.00 3,843.44 none none 
130,198.36 none 
70,591.12 none 
39,464.11 451.35 none none none 
none none none none 
 
Total ------------------------$ 1272,048.38 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK AND TRUST CO. Jefferson, Ga. 
 
President, T. S. JOHNSON 
 
Vice-President, S. V. WILHITE, J. W. ETHRIDGE 
 
Cashier, HOMER HANCOCK 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
310,035.04 none none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds ______ _ Banking House_______________ Furniture and Fixtures_______ 
 
3,050.00 900.00 
5,000.00 3,668.52 
 
Other Real E-state Owned---- 
 
none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
16,951.61 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
15,943.73 none 902.20 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ 
 
none 313.05 
 
Other Checks and Cash Items_ 
 
158.11 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 1,235.51 
 
Other Assets----------------- 
 
626.42 
 
---- 
 
Total ------------------------$ 358,784.19 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _- _-_- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBEoa-nsndecrsevse Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
94,120.00 none 
7,100.00 8,918.36 
90.20 none 144,508.40 none 28,835.45 none none 684.91 none none 74,526.87 
none none none none 
 
Total ------------------------$ 358,784.19 
 
 ----------------. 
 
156 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
FARMERS AND MERCHANTS BANK Jeffersonville, Ga.. 
 
President, W. H. McCRARY 
 
Vice-President, C. C. HUMPHRIES Cashier, S. C. JONES 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and DiscountS----$ Demand Loans--------------tTnited States Securities______ State of Georgia Bonds ______ Stock in Federal Reserve Bank OBtahnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_-_- 
Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ OthAr Checks and Cash Items_ Letters of Credit and Accept- 
(O'!\t&heenrdrcersaAfst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_-_--_--_--_--_--_----_ 
 
27,500.7 3 1, 700.00 none none none none 3,100.00 1,967.50 2,535.00 
none 
10,624.47 none none 
none none 505.40 
none 28.89 1,418.23 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
20,000.00 44.91 none none none none 
12,428.66 none 
16,040.75 none none 
223.35 153.38 
none none 
none none none 489.17 
 
Total ------------------------$ 49,380.22 Total ------------------------$ 49,380.,22 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
TWIGGS COUNTY BANK JeffersonVille, Ga. 
 
President, J. C. SHANNON, SR. 
 
Vice-Presidents, D. S. FAULK, S. E. JONES 
 
Cashier, BAKER R. JONES 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United Sta-tes Securities______ State of Georgia BondS-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca.sh in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commoc!i- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances -------------~------OOtvheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
Total ------------------------$ 
 
161,696.33 11,459.46 none none none 16,764.00 2,000.00 2,350.00 10,500.00 
none 
40,128.08 34,500.00 
795.92 
none 422.12 291.26 
none 902.34 3,746.65 
285,556.16 
 
LIABILITIES: 
Capital Stock Paid In________ f Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_it_-_-_Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ letters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-roI-n-w-tee-dr-e-_s-_t_-_-a_-n_-d_-_-T_-a_-x_-_e--s_ 
Other I,iabilities------------- 
 
25,000.00 none 
10,000.00 13,403.12 
none none 111,495.04 ,2, 756.00 120,498.88 none none 2,403.12 none none none 
none none none none 
 
Total ------------------------$ 285,556.16 
 
 DEPARTMENT OF BANKING 
 
157 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the THE FARMERS BANK 
 
Jenkinsburi, Ga. Vice-President, J. M. BANKSTON 
 
Cashier, H. C. CHILDS 
 
RESOURCES: 
 
Tlme Loans and Discounts----$ 15,926.78 
 
Demand Loans--------------United Stateli Securities______ 
 
none none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------- 
 
1,500.00 
 
Furniture and Fixtures------- 
 
1,848.56 
 
Other Real Estate Owned___ _ 
 
3,556.29 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
4,423.87 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e------ 
 
none none 
 
Other Checks and Cash Items. 
 
92.17 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
7.99 
 
Other Assets_________________ 
 
2,167.40 
 
----- 
 
Total ------------------------$ 29,523.06 
 
LIABILITIES: Capital Stock Paid In___:_____ $ Amount Reserved for Branches UStnJdrpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted. Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
Total ----------------------- 
 
15,000.00 none 
3,000.00 none none none 
8,377.06 none 
3,146.00 none none none none none none 
none none none none 
29,523.06 
 
STATEMENT Showing Condition at Close of Business De,cember 28, 1923 
of the 
 
BANK OF CLAYTON COUNTY Jonesboro, Ga. 
 
President, L. Z. GILBERT 
 
Vice-President, J. 0. HIGHTOWER Cashier, L. M. KING 
 
RESOURCES: 
 
Time Loans and Discounts----~ 108,926.66 
 
Demand Loans--------------United States Securities______ 
 
none 10,000.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------- 
 
3,000.00 
 
Furniture and Fixtures------- 
 
2,000.00 
 
Other Real Estate Owned___ _ 
 
581.85 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
r;uVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
26,151.42 none none 
 
.l.dvances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 5.00 
 
Other Checks and Cash Items. 
 
94.30 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none none 
 
----- 
 
Total ------------------------$ 150,759.23 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-__-_-_-_-_-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check____ D"mand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted. LettPrs of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
25,000.00 none 
1:2,000.00 2,426.43 none none 
37,350.39 none 
2,801.10 70,684.78 
none 448.36 
none none none 
none 48.17 none none 
 
Total ------------------------1 150, 759:~ 
 
 158 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF JONESBORO 
 
Jonesboro, Ga. 
 
President, A. C. BLALOCK 
 
Vice-President, CLAUD H. HUTCHESON 
 
Cashier, J. B. PULLIAM 
 
RESOURCES: 
 
Time Loans and Discounts----$ 148,848.41 
 
Demand Loans--------------United States Securities_____ _ 
 
11,249.23 none 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds_____ _ Banking House_______________ Furniture and Fixtures______ _ 
 
675.00 
1,500.00 1,000.00 
 
Other Real Estate Owned____ 37,351.27 
 
Due from Federal Reserve 
 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
104,855.03 none 
6,619.33 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- -s e- -__- -_ 
 
none 227.06 
 
Other Checks and Cash Items_ 
 
1,331.32 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ -_ _- _- _- _- _-_-_-_- -_ 
 
none 2,158.91 
 
Other Assets----------------- 
 
none 
 
----- 
 
Total ------------------------$ 315,815.56 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
SUunrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other LiabilitieS------------- 
 
25,000.00 none 
25,000.00 9,453.07 none none 
255,232.38 none none none none 14.15 none none none 
none 1,115.96 
none none 
 
Total ------------------------$ 315,815.56 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Junction City, Ga. 
 
President, C. W. MOORE 
 
Vice-Presidents, R. L. McBRYDE, Wm. M. BROWN Cashier, W. E. GREENE 
 
. RESOURCES: 
 
Time Loans and Discounts----$ Demand LoanS--------------l:nited States Securi ties_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank 
 
55,476.68 
4,500.00 9,965.37 
none none 
 
OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
 
5,160.00 
1.350.00 2,133.39 
none 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------ADduevafnrcoems oOnthCeor tBtoann_k_s________-_-_--_ Advances on Other CommodiC htei ecsk s - f-o- r- -C- -l-e-a-r-i n-g- - -H-o- -u-s-e-----Other Checks and Cash Items_ Letters of Credit and Accept- 
 
-20,537.87 none 
9, 792.00 
none 708.06 none 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_Cther Assets_________________ 
 
no.n5e0 2,082.50 
 
---- 
Total ------------------------$ 111,706.37 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DD~uveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ TC ar us hsite rF'  su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r-Ion-w-t e-e-dr e-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other LiabilitieS------------- 
 
15,000.00 none 
9,500.00 2,003.55 
none none 42,253.29 none 42,842.45 none none 107.08 none none none 
none none none none 
 
Tc.tal ------------------------$ 111,706.37 
 
 DEPARTMENT OF BANKING 
 
159 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
KENNESAW STATE BANK Kennesaw, Ga. 
 
President, J. G. LEWIS 
 
Vice-President, B. H. HILL, F. L. LEWIS Cashier, R. RUSSOM 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----~ 59,197.49 
 
Demand Loans--------------United States Securities______ 
 
1,643.68 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and BondS------- 
 
none 
 
Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ 
 
3,500.00 
1,950.02 651.82 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
11,222.93 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OC vtehredrr aAf 1s;sse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
255.24 none 
 
----- 
 
Total ------------------------$ 78,421.18 
 
capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Int~rest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
120,000.00 none none 
1, 702.04 none none 
21,598.20 none 
22,189.22 none none 
181.72 none 
12,750.00 none 
none none none none 
78,421.18 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
STATE BANK OF KINGSLAND Kingsland, Ga. 
 
President, W. B. GODLEY 
 
Vice-President, J. H. GROSS 
 
Cashier, C. A. PERRY 
 
RESOURCES: 
 
Time Loans and Discounts----$ 76,420.63 
 
UDnemiteadndStLatoeasnSs-e-c-u-r-i-ti-e-s-_-_-_-_-_-_State of Georgia Bonds______ 
 
8,984. 79_ none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
none 
4,000.00 2,500.00 
 
Other Real Estate Owned---- 
 
3,306.68 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
9,761.11 1,446.29 
none 
 
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- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ Letters of Credit and Accept- 
 
462.10 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
3n21o.n0e0 
 
Oiber Assets_________________ 
 
none 
 
---- 
 
rota! ------------------------$ 107,202.60 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit TSaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
15,000.00 none 
5,000.00 4,379.78 
none none 42,925.94 none 7,861.15 23,376.51 none 3,659.22 none 5,000.00 none 
none none none none 
 
Total ------------------------$ 107,202.60 
 
 160 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF KINGSTON 
 
Kingston, Ga. 
 
President, S. I. SHEATS 
 
Vice-President, 0. M. BUTLER 
 
Vice-President and Cashier, C. G. CHRISTIAN 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBtahnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ Advances on Other Commo\li- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptOOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_-_--_--_--_--_--_----_ 
Total ------------------------$ 
 
71,722.7 5 none none none 
:;.nooo.noeo 
10,200.00 3,800.00 8,938.74 
none 
5,384.91 3,503.65 
none 
none 137.92 
none 
none none 6,115.28 
110,303.25 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ D;vidends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check---DLmand Certificates of Deposit Time Certificate of Deposit__ _ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e-sBOothnedrs LBiaobrriloitwieesd_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
15,000.00 none none none none none 
27,907.60 none 
51,265.10 none none 
130.55 none 
13,000.00 3,000.00 
none none none none 
 
Total ------------------------$ 110,303.25 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the CITIZENS BANK 
Kite, Ga. 
 
President, D. C. HARRISON 
 
Vice-President, J. E. CLARK 
 
Cashier, J. S. STEPHENSON 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and F'ixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)---------------------Other Assets----------------- 
'f'otal ___ ---------------------$ 
 
86,476.83 1,125.00 !,800.00 none none 1,725.00 2,289.-20 4,252.05 
12,921.06 
none 
11,805.59 3, 724.90 447.00 
none 209.84 
none 
none 36.49 2,920.00 
130,732.96 
 
LIABILITIES: 
Capital Stock Paid In___.:_____ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit--STarvuisntgsFuDndepDoseiptoSs-i-ts--_-_-_-_-_-_-_-_-_Cashier's Checks____________ _ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e--s_ Other Liabilities____________ _ 
 
15,000.00 none 
3,000.00 918.77 none none 
40,665.53 2,500.00 
64,733.07 none none 
1,115.59 none none none 
none none 2,800.00 none 
 
Total ------------------------$ 130,732.96 
 
 DEPARTMENT OF BANKING 
 
161 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the BANK OF LAFAYETTE 
 
President, J. E. PATTO'N 
 
LaFayette, Ga. Vice-Presidents, P. D. FORTUNE, D. W. HERNDON 
 
Cashier, J. W. MASSEY 
 
RESOURCES: 
 
LIABILITIES: 
 
TDiemmeanLdoaLnsoaannsd__D__i_s_c_o_u_n__ts_-_-_-_-' 
 
458,142.18 18,413.41 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_-_Furniture and Fixtures_______ 
 
6,600.00 26,165.48 
4, 754.42 
 
Other Real Estate Owned---- 15,747.45 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
134,151.40 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g-.--H-o-u--se--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
3,293.17 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_ -_ _- _- _-_-_-_-_-_- -_ 
 
none none 
 
- - - - Other Assets----------------- 
 
none 
 
Total ------------------------$ 667,267.51 
 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of DeposiL__ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified CheckS-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasenrcvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed-------------Other Liabilities------------- 
 
60,000.00 none 
60,000.00 126,570.11 
none none 303,234.15 4,550.12 137,990.65 42,171.17 31,87 4.23 862.86 none none none 
none none none 14.22 
 
Total ------------------------$ 667,267.51 
 
STA"TEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
WALKER COUNTY BANK LaFayette, Ga. 
 
President, W. C. MARTIN 
 
Vice-President, J. E. ROSSER 
 
Cashier, C. C. GILBERT 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
117,710.31 1,350.00 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds_____ _ Banking House______________ _ 
 
none 11,000.00 
 
Furniture and Fixtures_______ 
 
2,002.17 
 
Other Real Estate Owned---- 
 
3,612.54 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-_-_--_ 
 
31,488.80 none 
 
Advances on Cotton__________ 
 
526.60 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e------ 
 
none 1,021.48 
 
Other Checks and Cash 'Items_ 
 
2,387.86 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
 
none 8.04 
 
Other 
 
As 
 
sets 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
-- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 171,107.80 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CTarushstierF'sunCdhDecekps _o_s_i_ts_-_-_-_-_-_-_-_-_- 
Ctrtified CheCkS-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-t ee- d-r e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
25,000.00 none 
1,999.29 2,492.34 
none none 77,253.07 none 51,687.52 11,394.70 none 1,280.88 none none none 
none none none none 
 
Total ------------------------$ 171,107.80 
 
 162 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF LAGRANGE 
 
LaGrange, Ga. 
 
President, R. L. RENDER 
 
Vice-President, H. P. PARK 
 
Ass't. Cashier, E. M. RENDER 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D_i_s_c_o_u_n_t_s_-_-_-_-_~ 
 
17 4,310.23 7,303.47 
 
United States Securities______ State of Georgia Bonds______ 
 
none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-._-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
5,000.00 9,935.50 1,189.40 4,190.77 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
 
27,679.23 6,613.42 9,402.33 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
2,245.66 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none none 
 
----- 
 
T0tal ------------------------$ 247,870.01 
 
LIABILITIES: 
Capital Stock Paid In________ , Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
Certified CheckS-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
50,000.00 none none 
6,300.52 none none 
82,852.34 none none 
99,648.28 none 
1,068.87 none 
8,000.00 none 
none none none none 
 
Total ------------------------$ 247,870.01 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE LAGRANGE BANKING AND TRUST CO. LaGrange, Ga. 
 
President, J. E. DUNSON ROBT. HUTCHINSON 
 
Vice-Presidents, A. H. CARY, W. S. DUNSON, Cashier, G. H. CROSSLEY 
 
RESOURCES: 
 
Time Loans and Discounts----~ 2,204,869.40 Demand Loans_______________ 168,320.57 
 
United States Securities______ 
 
1,678.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 27,000.00 
 
Other Stocks and Bonds------ 105,686.60 Banking House_______________ 48,000.00 
 
Furniture and Fixtures_______ 
 
none 
 
Other Real Estate Owned____ 175,489.26 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
73,082.14 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
100,810.71 none none 
 
Advances on Other C'ommodi- 
 
. ties ----------------------C'hecks for Clearing House __ _ 
 
none 2,218.76 
 
Other Checks and Cash Items_ 
 
2,042.94 
 
Letters of Credit and Accept- 
 
OOtvahenercrdersAafst-ss-e-t(s-if_-_-a_-n_-_-y_-)_--_--_--_--_--_--_--_--_--_---_- 
 
none 15,665.00 
375.00 
 
Total ------------------------$ 2,925.238.38 
 
LIABILITIES: 
Capital Stock Paid In________$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsevse Bf-oo-rr-rI-on-w-t ee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_-e-_s Other Liabilities_..:___________ 
 
250,000.00 none 
650,000.00 36,365.05 265.50 32.00 
603,728.67 50,072.00 78,810.48 
636,393.24 none 
3,414.72. none 
~50,000.00 
366.156.72 
none none none none 
 
Total ------------------------$ ~.925,2~ 
 
 DEPART:\IE:'>T OF BANKING 
 
163 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
LAGRANGE SAVINGS BANK LaGrange, Ga. 
 
President, ELY R. CALLAWAY 
 
Vice-President, H. D. GLAN.TON 
 
Cashier, R. C. KEY 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Hank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and Accept0OYtahenercrdersAafst-ss-e-t(-sif_--_a-_n-_-_y-_)-_--_--_---_--_--_--_--_-_-~_---_ 
 
617,848.75 59;695.35 74,84,2.00 24,800.00 none 
333,769.63 none none 
34,507.25 
none 
903.15 none none 
none none 248.07 
none none 19,625.26 
 
Total ------------------------$ 1,166,239.46 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ 25,000.00 
 
Amount Reserved for Branches 
 
none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
 
75,000.00 36,133.07 
 
Dividends Unpaid------------- 
 
none 
 
Due to Banks---------------- 
 
none 
 
Deposits Subject to Check___ _ 
 
none 
 
Demand Certificates of Deposit 
 
none 
 
Time Certificate of Deposit___ Savings Deposits_____________ 
 
348,114.02 . 630,650.56 
 
TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
 
none none 
 
BCJelrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
none 15,000.00 
 
Notes and Bills Rediscounted- 
 
none 
 
Letters of Credit and Accept- 
 
Reasnercvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s 
 
none 4,450.34 
 
Bonds Borrowed------------- 
 
none 
 
Other Liabilities------------- 31,891.47 
 
T<.tal ------------------------$ 1,166,239.46 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the LAKE PARK BANK 
Lake Park, Ga. 
 
President, EWELL BROWN 
 
Vice-President, J. K. WHITE 
 
Cashier, E. W. MASON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 45,308.32 
 
Demand Loans--------------- 
 
3,229.42 
 
United States Securities~---- 
 
1,960.0() 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds'------ 
 
none 
 
Banking House--------------Furniture and Fixtures______ _ 
 
2,000.00 1,500.00 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ 
 
6,961.84 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House---- 
 
none none 
 
Other Checks and Cash Items_ 
 
140.75 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ -_ _- _- _-_-_-_-_-_- -_ Other Assets_________________ 
 
none 17.38 none 
 
----- 
 
Total ------------------------$ 61,117.71 
 
LIABILITIES: 
C~>pital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------DUinvdidiveinddesd UPnrpoafiidts_-_-_-_-_-_-_-_-_-_-_-_--_ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-t ee-d-r e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_- _-e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
4,500.00 1,929.30 
none none 30,760.52 none 7,499.00 none 1,161.64 267.25 none none none 
none none none none 
61,117.71 
 
 164 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF LAVONIA 
Lavonia, Ga. 
 
President, W. S. HALEY 
 
Vice-President, 0. D. CANNON Cashier, G. H. PRUITT 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 197,891.95 
 
Demand Loans--------------- 
 
3,578.50 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,800.00 
 
Other Stocks and Bonds------ 
 
675.00 
 
Banking House--------------Furniture and Fixtures______ _ 
 
23,188.38 5,019.35 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
9,920.58 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
16,926.57 44.05 
 
Advances on Cotton---------- 
 
2,303.53 
 
Advances on Other Commodi- 
 
ties -------------------- __ _ 
 
3,431.69 
 
Checks for Clearing House--- 
 
525.30 
 
Other Checks and Cash Items- 
 
1,110.08 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)___________ 
 
507.57 
 
Other Assets_________________ 
 
381.45 
 
----- 
 
Total ------------------------$ 267,304.00 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_--_ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
RBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities_____________ 
 
40,000.00 none 
20,000.00 1,813. 75 105.00 
14,230.61 113,764.84 
none 24,549.46 25,901.53 
none 4,454.36 
none 17,500.00 
4,984.45 
none none none none 
 
Total ------------------------~ 267,304.00 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the THE BRAND BANKING CO. 
Lawrenceville, Ga. 
 
~sident, L. JI.I. BRAND 
 
Vice-President, W. H. PO'WELL 
 
Cashier, G. C. MONTGOMERY 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans--------------United States t'ecurities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-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_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- _- _-_-_-_-_-_-_-_-_- -_ Other Assets________________ _ 
 
182,248.98 150,696.46 125,000.00 
none 3,000.00 
none none 2,500.00 none 
33,537.38 
183,259.46 none none 
none none 5,408.81 
none 71.46 none 
 
Total ------------------------$ 685,722.55 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills RediscountedLetters of Credit and AcceptReasnercvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed_____________ Other Liabilities_____________ 
 
50,000.00 none 
50,000.00 34,483.84 
none none 260,543.51 none none 265,382.68 11,610.75 1,201. 77 none none none 
none none none 12,500.00 
 
Total ------------------------$ 685,722.55 
 
 DEPARTMENT OF BANKING 
 
165 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
BANK OF LEARY Leary, Ga. 
 
President, HARPER DANIEL 
 
Vice-President, H. H. HURST 
 
Cashier, C. M. ETHEREDGE 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
Vaults -------------------DAudevafnrcoems oOnthCeor ttBoann__k_s_-_-_-_-_-_-_- 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other 8hecks and Cash ItemsLetters of Credit and Accept- 
ances --------------------OO vt heerrd r Aa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
44,274.82 937.33 none none none 117.25 
3,726.22 3,259.98 
none 
none 
8, 718.99 809.88 525.33 
none 1,730.47 
272.47 
none 602.83 none 
 
Tothl. -------------------------,--6-4-,9-7-5-.5-7 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-TSarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsveBfoorrroInwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total ------------------------~ 
 
15,000.00 none 
981.81 none none none 
25,089.45 none 
9,705.79 none none 
2,198.52 none 
12,000.00 none none none none none 
64,975.57 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF LEESBURG Leesburg, Ga. 
 
President, G. A. NESBIT 
 
Vice-President, 0. W. STATHAM Cashier, T. C. THARP 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States SecuritieS-----State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and BondS-----Banking House--------------Furniture and Fixtures------Other Real Estate Owned___ _ D11e from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------DAudevafnrcoems oOnthCeor ttBoann__k_s_-_-_-_-_-_-_Advances on Other Commodities ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Acceptances --------------------OOvtheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
Total ------------------------t 
 
146,562.13 418.00 none none none 
3,270.00 2,510.17 2,895.00 2,593.80 
none 
20,979.67 394.40 none 
none none none 
none 195.73 
none 
179,818.90 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvuisd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit TSaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters >f Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
4, 793.65 none none 
11,500.00 29,405.58 42,500.00 12,252.75 
none 20,043.68 
7,024.32 none 
31,000.00 6,298.92 
none none none none 
 
Total ------------------------f 179,818.90 
 
 166 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, J. D. ROBINSON 
 
BANK OF LENOX Lenox, Ga. Vice-President, M. J. L. GRINER 
Cashier, A. M. WILLIAMS 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 98,065.66 
 
Demand Loans--------------United States Securities------ 
 
781.20 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------Furniture and Fixtures______ _ 
 
800.00 800.00 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------DAudve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
7, 792.57 140.00 none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--- 
 
none 227.75 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 3.66 
 
- - - - - Oiher Assets----------------- 
 
none 
 
rota! ------------------------$ 108,610.84 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit S'l'airvniengCserDtiefpicoastietso_f__D__e_p_o_s_i_t_-_-_Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ 
Dills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
30,000.00 none 
10,000.00 4, 765,95 none none 
26,890.73 4, 730.00 
32,030.67 none none 
193.49 n.one none nGne 
none ncne none none 
 
Total ------------------------$ 108,610.84 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF LESLIE Leslie, Ga. 
 
President, E. L. WILSON 
 
Vice-President, E. B. WALLACE 
 
Cashier, W. T. ANDERSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 112,054.30 
 
Demand Loans--------------United States Securities______ 
 
4,542.61 none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures------Other Real Estate Owned___ _ 
 
none none 1,000.00 4,171.36 3,196.80 1,800.00 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-__-_-_-_-_--_ Advances on Cotton__________ 
 
37,819.34 3,626.65 none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
300.73 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none none 
 
- - - - - Other Assets----------------- 
 
120.00 
 
Total ------------------------$ 168,631.79 
 
LIABILITIES: Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Rills Payable----------------Notes and Bill.s Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-tee--rde-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other LiabilitieS------------- 
'l'otal ------------------------$ 
 
25,000.00 none 
20,000.00 10,792.51 
none none 99,825.71 none 11,262.43 none none 1, 751.14 none none none 
none none none none 
168,631.79 
 
 DEPARTMENT OF BANKING 
 
167 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, T. E. WATKINS 
 
BANK OF LEXINGTON Lexington, Ga. Vice-President, CHAS. R. CRAWFORD 
Cashier, W. D. LOYD 
 
RESOURCES: 
 
LIABILITI~S: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_- 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ 
Due from Federal Reserve 
 
84,431.13 1,199.42 none none none 
3,200.00 8,455.05 4,505.20 
9,134.14 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-__-_-_--_ 
Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
 
12,682.41 none none 
2,515.68 858.37 975.89 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
7n30o.n29e 
 
Other Assets------------------ -1-3,2-87.-49 
Total ------------------------1$ 141,975.07 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
'!'rust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptHBeoasnnedcrsve se Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-_s 
Other LiabilitieS------------- 
 
25,000.00 none 
10,000.00 ncne 
144.00 none 
47,461.42 44,015.82 
none none none 503.83 none none 14,850.00 
none none none none 
 
Total ------------------------$ 141,975.07 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
OGLETHORPE COUNTY BANK 
 
Lexington, Ga. 
 
President, JOEL CLOUD 
 
Vice-Presidents, G. A. BARRON, W. K. HOWARD 
 
Cashier, M. 0. HOLLIS; Assistant Cashier, G. W. PAUL 
 
RESOURCES: 
 
Time Loans and Discounts----$ 212,r234.73 
 
UDnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_- 
 
5,182. 71 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,500.00 
 
Other Stocks and Bonds------ 
 
675.00 
 
Banking House--------------Furniture and Fixtures______ _ 
 
4,000.00 1,000.00 
 
Other Real Estate Owned___ _ 14,363.29 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
9,288.31 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n--k-s-_-_-_-___--_ Advances on Cotton__________ 
 
17,674.12 none none 
 
Advances on Other Commodi- 
 
Chr.eiecsks--fo--r -C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 942.15 
 
Other Checks and Cash Items_ 
 
190.50 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f-t s- -(-i-f-a-n- -y-)-_-_-_-_-_-_-_- -_-_-_ 
 
none 2,183.90 
 
Other Assets------------------ - - -no-ne 
 
Total ------------------------$ 269,234.71 
 
LIABILITIES: Ca.pital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-_~_-_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits ________ _:_ ___ _ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLeatntecress o_f__C_:r_e_d_i_t__a_n_d__A__c_c_e_p_t_Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
Total ------------------------$ 
 
25,000.00 none 
25,000.00 7,959.54 25.80 none 
109,244.35 none 
34,641.69 1,095.71 none 339.91 none 
42,693.83 23,233.88 
none none none none 
269,234.71 
 
 1 
 
168 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE LILLY BANKING CO. Lilly, Ga. 
 
President, J. A. LILLY 
 
Vice-President, W. T. RICKS Cashier, JOE MORGAN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ :24,363.24 
 
Demand Loans--------------- 
 
100.00 
 
United States Securities------ 
 
98.51 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
BFuarnnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_-_- 
 
1,823.00 2,215.50 
 
Other Real Estate Owned---- 
 
3,460.40 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
13,158.30 none 665.91 
 
Ad:'ances on Other Commodi- 
 
C'"thieecsks - f-o-r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
OvaEn'crdersaft-s--(-i-f -a-n--y-)---------------------- 
 
none none 
 
(Jther Assets------------------ - - -non-e 
 
Total ------------------------$ 45,884.86 
 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------Undivided Profits------------Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified CheckS-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none none 
779.96 none none 
22,482.7 4 none 
4,816.83 none none 
525.33 none 
2,280.00 none 
none none none none 
45,884.86 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF LINCOLNTON Lincolnton, Ga. 
 
President, BENJ. FORTSON 
 
Vice-President, A. \'{. BURCH Cashier, H. M. ULM 
 
RESOURCES: 
Time Loans and Discounts----f Demand Loans--------------United States_ Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ Advances on Other CommodiChteiecsks -f-o-r--C--le--a-ri-n-g--H--o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _-_-_- -_ Other Assets_________________ 
Total ------------------------$ 
 
87,497.06 275.00 697.16 none none none 
1,244.07 2,222.81 9,315. 79 
none 
22,4:29.08 none 
30,588.99 
none 5,763.60 
none 
none none 1,051.25 
161,084.81 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P--ro--f-i-ts-------------------------Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits-------"'"----Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed__ ----------Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none none 
5,000.00 16.07 none 
72,971.25 none 
41,227.92 1,286.21 8,221.90 1,361.46 none 6,000.00 none 
none none none none 
161,084.81 
 
 DEPARTMENT OF BANKING 
 
169 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS STATE BANK Lincolnton, Ga. 
 
President, JAS. H. BOYKIN 
 
Vice-President, W. R ORAWFORD Cashier, H. B. PITT 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia BondS-----Stcck in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ -_ -_ -_ _- _- _- _- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
171,756.86 none 
16,174.02 none 
1,050.00 none 
2,199.05 1,838.50 1,633. 75 
15,050.02 
47,746.85 11,411.88 16,890.38 
none 4,165.86 
none 
none none 1,814.88 
291,732.05 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e_- s_- t_- _-a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other Liabilities----------'--- 
 
25,000.00 none 
10,000.00 2,690.53 none none 
141,150.32 none 
112,131.78 none none 
516.96 none none none 
none 242.46 
none none 
 
Total ------------------------$ 291,73,2.05 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
LITHONIA BANKING CO. Lithonia, Ga. 
 
President, J. K. DAVIDSON HOWARD 
 
Vice-Presidents, R H. TRIBBLE, A. W. Cashier, H. -H. DANIEL 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-__--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 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 ItemsLetters of Credit and Accept- 
ances --------------------Overdrafts (If any)----------Other Assets----------------- 
Total ------------------------$ 
 
64,616.71 3,104.90 none none none 270.00 3,500.00 2,000.00 7,318.20 
none 
35,186.91 122.50 602.98 
none 114.39 
81.79 
none none 262.21 
117,180.59 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit TSaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed_____________ 
Other LiabilitieS------------- 
 
25,000.00 none 
655.83 310.03 
none none 35,675.45 none 52,247.84 3,040.88 none 162.53 none none none 
none none none 88.03 
 
Total ------------------------$ 117,180.59 
 
 170 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PEOPLES BANK Lithonia, Ga. 
 
Pre,sident, A. J. ALMAND 
 
Vice-Presidents, W. R. WATSON, M. C. MOORE Cashier, I. M. STARR 
 
RESOURCES: 
 
Time Loans and Discounts____ f 64,924.30 
 
UDnemiteadndStLatoeasnSSe-c-u--r-it-i-e-s-_-_-_-_-_-_- 
 
6,031.85 13,584.23 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
6,000.00 
7,500.00 2,950.00 
 
Other Real Estate Owned____ 
 
2,200.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrl:t>sm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
42,438.61 none none 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- -s e- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ -_ _- _- _-_-_-_-_-_- -_ 
 
none none 
 
Other Assets------------------ - - -no-ne 
Total ------------------------$ 145,628.99 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check ___ _ D(mand Certificates of Deposit Time Certificate of Deposit--STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ l.( tters of Credit and Accei:tReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 
none 
12,500.00 9,122.54 none none 
66,236.30 none 
29,271.15 2,981.52 none 517.48 none none none 
none none none none 
 
Total ------------------------$ 145,628.99 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF LOCUST GROVE Locust Grove, Ga. 
 
President, C. V. WILLIAMS 
 
Vice-President, A. G. COMBS 
 
'Cashier, C. B. PLEXICO 
 
RESOURCES: 
 
Time Loans and DiscountS----$ 91,595.39 
 
UDnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_- 
 
15.00 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
900.00 
 
Other Stocks and Bonds------ 
 
675.00 
 
Banking House--------------- 
 
4,819.,23 
 
Furniture and Fixtures------- 
 
1,944.46 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
11,784.52 
 
serve Agents and Cash in 
 
Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
17,007.42 none 
8,475.88 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
613.21 
 
Other Checks and Cash Items- 
 
507.16 
 
Letters of Credit and Accept- 
 
- - - - - OOtvahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_y-_)_-_-__-__-__-__-___-__-__-__-__--__ 
 
none none none 
 
Total ------------------------$ 138,337.27 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--TSaruvisnt gFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedJ,etters c.f Cre:lit and AcceptReasnecrvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
5,000.00 15,492.92 
14.00 none 67,012.03 none 25,400.61 none none 417.71 none none none 
none none none none 
 
Total ------------------------$ 138,337.27 
 
 DEPARTMENT OF BANKING 
 
171 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK Locust Grove, Ga. 
 
President, J. L. GARDNER 
 
Vice-President, W. I. PARR 
 
Cashier, R. B. HENDE=RS=O=N================= 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts___ $ UDnemiteadndStLatoeasnSse-c--u-r-it-i-e-s-_-_-_-_-_-_State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ 
Furniture and Fixtures------Other Real Estate Owned---- Due from Federal Reserve 
DuBeafnrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
Advances on Other CommodiC ht ei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ Other Checks and Cash ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i-f -a-n- -y)-_-_-_-_-_-_-_-_-_-_- -_ 
Other Assets----------------- 
 
84,659.27 896.51 none none none none 
2,700.00 1,525.00 1,155.12 
none 
15,496.48 none 
1,071.05 
none 354.95 
25.19 
none none none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
TCarushsiterF'us nCdhDecekps_o_s_i_ts_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters :>f Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
30,000.00 none 
6,000.00 2, 710.08 
none none 39,304.59 6,195.19 3,211.19 none none 30.5() none 20,379.51 none 
none _none 
none 52.51 
 
Total -----------------------$ 107,883.57 Total ----------------------- $ 107,883.57 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the FARMERS AND MERCHANTS BANK 
Loganville, Ga. 
 
President, L. 0. BENTON 
 
Vice-Presidents, D. Y. HODGES, W. S. CARTER Cashier, E. L. ROSS 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ 
 
67,022.29 _ none 
2,250.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds-----BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_-_- 
 
none none 
3,600.00 
2,482.50 
 
Other Real Estate Owned---- 
 
8,134.42 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
16,108.89 none 316.48 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
none 92.57 
 
Other Checks and Cash Items_ 
 
75.35 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
- - - - Other Assets_________________ 
 
47.21 
 
Total ------------------------$ 100,129.71 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US ur dr pi vl ui ds e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_ -_ _- _-_-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrrIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other LiabilitieS------~------ 
Total ------------------------$ 
 
25,000.00 none none 
3,714.10 none 
364.06 34,805.29 
3,899.90 15,480.44 
none 718.58 
59.15 none 13,838.19 none 
none none 2,250.00 none 
100,129.71 
 
 .. ----------------------------------------- 
 
172 
 
FouRTH ANNUAL REPORT 
 
-------------------- 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
LOGANVILLE BANKING CO. Loganville, Ga. 
 
President, A. M. BROOKS 
 
Vice-President, J. R. TUCK 
 
Cashier, W. T. BROOKS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 133,706.36 
 
Demand LoanS--------------United States Securities______ 
 
none 34,200.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_-_- 
 
10,000.00 1,400.00 
 
Furniture and Fixtures_______ 
 
70.00 
 
Other Real Estate Owned____ 
 
2,,210.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
47,542.45 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 176.00 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y_-)_--_--_--_--_--_--_--_--_--_-- 
 
-_- 
- 
 
- 
 
- 
 
none none 
-no-ne 
 
Total ------------------------$ 229,304.81 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ 
CTlr! ushstierF'sunCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
Reasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
25,000.00 619.80 none none 
69,388.59 none 
99,222.29 none none 74.13 none none none 
none none 10,00().00 none 
 
Total ------------------------$ 229,304.81 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, W. L. PHILLIPS 
 
BANK OF LOUISVILLE Louisville, Ga. Vice-President, L. R. FARMER 
Cashier, J. H. TATE 
 
RESOURCES: 
 
Time Loans and Discounts----$ 352,245.85 
 
Demand Loans--------------United Sta,tes Securities______ 
 
18,193.96 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
:!,400.00 
 
BOathnekrinSgtoHckous saen_d___B_o_n__d_S_-_-_-_-_-_Furniture and Fixtures_______ 
 
1,080.00 17,500.00 13,906.23 
 
Other Real Estate Owned___ _ 11,227.98 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agt'nts ,_..nd Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ 
 
46,544.39 none 
 
Advances on Cotton---------- 
 
4,154.:20 
 
Advances on Other Commodi- 
 
('hteiceks!' -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
7,239.55 none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------Other Assets_________________ 
 
1,189.25 24,280.64 
 
----- 
Total ------------------------$ 499,962.05 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 15,000.00 40,000.00 
368.48 80.00 
10,196.03 195,689.27 
none 114,039.29 
6,490.46 9,676.49 3,542.77 
none 49,000.00 20,532.01 
none none none 10,347.25 
 
Total ------------------------~ 499,962.05 
 
 DEPARTMENT OF BANKING 
 
173 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
LOVEJOY BANKING CO. 
 
Lovejoy, Ga. 
 
Preside.nt, S. D. ORAWFORD 
 
Vice-President, J. W. FIELDS 
 
Cashier, G. P. BABE 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 56,115.35 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n_d__s__________ __ Furniture and Fixtures_______ 
 
none 1,450.00 
1,900.00 
 
Other Real Estate Owned___ _ 
 
5,250.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
7,342.08 
none none 
 
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- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
1,648. 77 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none none 
 
----- 
 
Total ------------------------$ 73,706.20 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TC Hr usshti eFr ' su nCd hDe cekpso_ _s_i t_S_ _- -_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
10,000.00 9,567.:20 none none 
23,414.17 none 
15,436.93 none none 
287.90 none none none 
none none none none 
73, 706.2() 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF LOVETT Lovett, Ga. 
 
President, B. T. KIGHT 
 
Vice-President, E. J. SUMMER 
Cashier, H. F. THOMAS 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 49,854.14 
 
Demand Loans--------------- 
 
none 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
512.40 2,202.88 
2,399.94 
 
Other Real Estate Owned____ 
 
3, 754.80 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
1,870.90 
none none 
 
Advances on Other Commodi- 
 
C htei ecsk s - -f o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
288.45 
 
Other Assets----------------- 
 
none 
 
---- 
 
Total ------------------------$ 60,883.51 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ T<:'&rushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T_-a_-x_-_-e-s_ Other Liabilities------------- 
Total------------------------$ 
 
15,000.00 none 
3,000.00 412.41 none none 
8,285.84 none 
7,680.00 35.00 none 55.74 none 
26,414.52 none 
none none none none 
60,883.51 
 
 174 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK Ludowici, Ga. 
 
President, E. B. RIMES 
 
Vice-President, H. P. RIMES 
 
Cashier, E. B. RIMES, JR. 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia BondS-----Stock in Federal Reserve Bank OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and F'ixtures______ _ Other RE>al Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 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- -__- -_ Other Checks and Cash Items_ Letters of Credit and Accept- 
OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-__-y_-)_--_--_--_--_--_--_--_--_--_---_- 
 
76,935.10 3,747.55 none none none 1,040.00 5,000.00 1,412.79 none 
none 
8,~52.45 
none none 
none 1,243.12 
88.38 
none 10.04 6,574.69 
 
Total ------------------------~ 104,704.12 
 
LIABILITIJ<.:S: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust F'und Deposits________ _ Cashier's Checks_____________ 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
15,000.00 none 
3,000.00 none none none 
32,597.01 none 
24,196.25 none none 
1,115.09 4.87 
21,150.00 none 
none none none 7,640.90 
 
Total ------------------------~ 104, 704.12 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF LULA 
 
Lula, Ga. 
 
President, S. S. CARTER 
 
Vice-President, C. R. SIMMONS 
 
Cashier, E. F. WHITWORTH 
 
RESOURCES: 
Time Loans and Discounts----$ Demand LoanS--------------United States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-__-_-_--_ 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- -__- -_ Other Checks and Cash Items_ Letters of Credit and AcceptOOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y_-)_--_--_--_--_--_--_--_--_--_----_ 
Total ------------------------$ 
 
none 80,904.47 
none 4,500.00 
none 10,100.00 
1,250.00 2,899.01 
none 
none 
30,092.92 none none 
none none none 
none 755.27 3,746.65 
134,248.32 
 
LIABILITIJ<.:S: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ S&.vings Deposits_____________ TCraushstieFr'us nCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BC<il-lrstifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bins Rediscounted_ Letters of Credit and AcceptnBeoasnendrcsvees Bfo-o.-rr-rIo-n-w-tee-dr-e-_s-_t-__-a_-n_-d_-._-T_-a_-x_-_e--s_ Other Liabilities____________ _ 
 
15,000.00 none 
10,000.00 1,982.59 none none 
59,116.11 none 
47,590.55 none none 559.07 none none none 
none none none none 
 
Total ------------------------$ 134,248.32 
 
 DEPARTMENT OF BANKING 
 
175 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK 
 
Lumber City, Ga. 
 
President, R. H. HALL 
 
Vice-President, E. T. DAVIS Cashier, 0. F. McEACHIN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 52,824.36 
 
Demand Loans--------------- 
 
4,828.18 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 7,000.00 
 
Furniture and Fixtures_______ 
 
2,950.00 
 
Other Real Estate Owned____ 
 
1,275.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
17,414.51 10,559.00 
 
Advances on Cotton__________ 10,909.89 
 
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- -__- -_ 
 
333.75 none 
 
Other Checks and Cash Items_ 
 
39.50 
 
Letters of Credit and Accept- 
 
O vaenr dc te>sa f t-s- -(-i f- -a-n-y-)- _- _- _- _-_-_-_-_-_-_- -_ Other Assets_________________ 
- 
 
- 
 
- 
 
none none 
-no-ne 
 
Total ------------------------$ 108,134.19 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US ur :rdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _- _-_- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
15,000.00 none none 
3,517.65 none none 
4:2,117.48 none 
32,997.47 none none 
501.59 none 
14,000.00 none 
none none none none 
 
Total ------------------------$ 108,134.19 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS STATE BANK Lumpkin, Ga. 
 
President, E. L. CARTER 
 
Vice-President, W. G. WO'RTHINGTON Cashier, A. T. FORT, JR. 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real E.state Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept0 . .a. -necr de rsa f t-s- -(-i f- -a-n- -y-)------------------ -- -Other Assets----------------- 
Total ------------------------$ 
 
235,473.84 none none none none none none 
3,325.64 none 
none 
27,987.44 none 
22,792.83 
941.81 903.97 517.21 
none 413.45 6,896.25 
299,252.44 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s_-_-_-_-_-_-_-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Redisc.ounted_ Lette,s of Credit ~nd AcceptRBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-t ee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities_____________ 
 
25,000.00 none 
10,000.00 7,639.88 464.00 none 
124,334.42 none 
88,546.52 9, 7 48.:27 none 559.80 none 
27,500.00 3,583.89 
none 1,875.66 
none none 
 
Total ------------------------$ 299,252.44 
 
 176 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
LUTHERSVILLE BANKING CO. Luthersville, Ga. 
 
President, N. F. CULPEPPER 
 
Vice-President, JAMES W. TAYLOR 
 
Cashier, M. C. COLLEY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 56,274.04 
 
Demand Loans--------------- 
 
4,168.56 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
680.00 1, 700.00 
 
Furniture and Fixtures_______ 
 
850.00 
 
other Real Estate Owned___ _ 15,283.08 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
4,861.54 305.00 
10,205.39 
 
Advances on Other Commodi- 
 
Chteiecsks--fo--r -C--l-e-a-r-in-g---H-o-u--se--_-_-_ 
 
none 2, 5 81.21 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_ -_ _- _- _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none none 
 
----- 
 
Total ------------------------$ 96,908.82 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 'CI 'ar suhs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Acc,pt- 
ances --------------------RBeosnedrsve BfoorrrIonwteerde_s_t__a_n_d__T_a_x__es_ Other LiabilitieS------------- 
Total ------------------------$ 
 
25,000.00 none 
27,000.00 2,109.21 none none 
31,694.28 none 
11,050.43 none none 54.90 none none none 
none none none none 
96,908.82 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF LYERLY Lyerly, Ga. 
 
President, J. L. POLLOCK 
 
Vice-President, B. F. SHAMBLIN 
 
Cashier, H. S. CARSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 138,367.65 
 
Demand Loans--------------United States Securities______ 
 
9,069.67 750.00 
 
State of Georgia Bonds______ 
 
none 
 
Steck in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ 
 
50.00 2,122.24 
 
Furniture and Fixtures_______ 
 
.2,526.61 
 
Other Real Estate Owned___ _ 
 
865.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-p-k--s-_-_-_-_-__--_ 
 
13,516.22 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvtheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
 
3,604.70 3,853.25 
 
----- 
 
Total ------------------------~ 17 4. 725.34 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ rividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedI.etterl of Credit and Accept- 
ances --------------------RBeosnedrsv e Bfoorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
15,000.00 none 
7,500.00 1,222.29 
20.00 none 69,059.11 none 69,768.48 none 4,028.13 127.33 none none none 
none none none 8,000.00 
 
Total ------------------------~ 17 4, 725.34 
 
 DEPARTMENT OF BANKING 
 
177 
 
STATEMENT Showing Condition at ciose of Business December 28, 1923 
of the 
 
TOOMBS COUNTY BANK Lyons, Ga. 
 
President, W. A. :McNATT 
 
Vice-President, R. L. PAGE Cashier, W. T. CHINA 
 
RESOURCES: 
Tjme Loans and Discounts----$ Demand Loans--------------Gnited States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton __________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-______ Cther Assets________________ _ 
Total ------------------------$ 
 
92,815.80 27,826.37 43,432.02 
none none 450.00 9,000.00 2,500.00 4,420.09 
none 
79,541.12 none none 
none 1,567.63 
24.55 
none 21.91 none 
261,599.49 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_TCraus hs ti e rF' su nCd hDe cekps o_ _s_i._t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnercvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed-----~------ Other Liabilities------------- 
 
30,000.01) none 
7,500.00 4,255.77 
none none 84,900.59 1,000.00 111,'502.83 2,752.37 18,565.14 1,122.79 none none none 
none none none none 
 
Total-----------------------$ 261.599.Hl 
 
STATEMENT Showing Condition at Close of Business December 28,, 19.23 
of the 
 
THE BANK OF HENRY COUNTY McDonough, Ga. 
 
President, H. J. COPELAND 
 
Vice-President,. E. M. COPELAND 
 
Cashier, JOHN G. PULLIN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _  Other Checks and Cash Items_ 
Letters of Credit and AcceptOvaenrcdersaf-ts--(-i-f-a-n--y-)-_-_-_-_-_-_-_-_~_-_-_ Other Assets_________________ 
 
190,367.71 20,342.09 none none 2,400.00 1,080.00 3,498.26 5,432.19 none 
10,819.68 
20,509.79 none none 
none none 6,794.41 
none none 108.97 
 
Capital Stock Paid In~-~-----$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-,-_.-_-_-_-_-__--_ Dividends Unpaid____ :_ _______ _ 
Due to Banks-----------~---Deposits Subject to Check___ _ Demand Certificates of 'Deposit STaimviengCserDtiefipcoastietso__f _D_ _e: _p_o.:. s__iL__-_Trust Fund Deposits_________ Cashier's Checks ______ :_ _____ _ Certified Checks______________ 
I' ills Payable~--------------- Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances ------------~-~-----Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
50,000.00 none 
30,000.0(} none 
15,192.24 11.18 
92,019.88 none 
39,288.72 none none 
17 4.89 n0ne none 
34,666.19 
ncne none none none 
 
'Total - - - - - - - - - - - - - = - = = - = - - $ _261,353_.1Q .. _Total --_::---------=-c~--,---==-$ ___!~,35_:l.l_(l 
 
 178 
 
Four:Trr ANxcn, HEPORT 
 
STATEMEN:r Showing Condition at Close of Business December 28, 1923 
 
of the 
 
THE FARMERS AND MERCHANTS BANK 
 
McDonough, Ga. 
 
President, .H. J. TURNER 
 
Vice-President, W. D. TARPLEY 
 
Cashier, H. C. HIGHTOWER 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 211,178.75 
 
Demand Loans--------------Cnited States Securities_____ _ 
 
5,678.76 none 
 
State of Georgia Bonds_____ _ 
 
none 
 
St.ock in Federal Reserve Bank 
 
3,400.00 
 
Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ 
 
1,440.00 
3,800.00 2,300.00 
 
Other Real Estate Owned ___ _ 
 
1,412.54 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
5,686.09 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ AdYances on Cotton_________ _ 
 
5,049.58 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
18.00 none 
 
Other Checks and Cash Items- 
 
573.00 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s--(-i-f -a-n--y-) -_-_-_-_-_-_-_-_-_~_-_ Other Assets________________ _ 
 
none none none 
 
----- 
 
'l'otal ------------------------$ 240,536.72 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposita_____________ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
100,000.00 none 
12,350.00 9,315.48 none none 
68,461.33 none 
33,743.34 none none 
518.89 none none 
15,083.39 
none none none 1,064.29 
 
Total ------------------------f 240,536.72 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK OF McRAE McRae, Ga. 
 
. President, J. F. COOK 
 
Vice-Presidents, E. D. GRAHAM, T. J. SMITH Cashier, J. F. COOK 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------L:nited States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca,sh in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton ______ --Advances on Other Commodi- 
ties ------ ----------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
 
180,570.42 9,823.96 1,500.00 none none 3,900.00 2,500.00 2,657.67 
11,404.96 
none 
39, 7.9'!.60 938.71 
4,925.33 
4,125.96 none 
1,327.59 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
Dividends Unpald-~---------- Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits____________ _ 
Trust Fund Deposits--------Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReaEnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
50,000.00 none 
28,404.15 4,144.23 none none 
93,416.31 none 
87,828.39 none none 92.43 none none none 
none none none none 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none 420.31 
r ~"0 
 
--- 
=T~o~t~a~l=-=-=-=--=-=-=-=-=-=-=-=--=-=-=-=-=~=-=--=-=-~$~~2=63,88~5==5=1==='l~'o~t=a=~=-=-==-=-=--=-=-=-=-=-=-=--=-=-=-=-=-=-=--=-=$~=2~6~3_,=8~8=5_.=5=1 
 
 DEPART~IEXT OF BAXKIXG 
 
179 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
THE MERCHANTS BANK McRae, Ga. 
 
President, 0. F. McRAE 
 
Vice-President, C. A. RYALS Cashier, 0. }'. McRAE 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans-----------~--Uni ted States Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca.sh in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-if--a-n-y-)J_-_-_-_-_-_-_-_-_._--_ 
Other Assets ________________ _ 
Total ------------------------$ 
 
223,012.44 12,913.46 :27,650.00 none none 2,010.00 10,000.00 none 20,119.50 
none 
70,602.61 none 
18,070.63 
119.19 557.00 1, 777.34 
none 372.80 none 
387,204.97 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s OBothnedrs LBiaobrirloitwieesd__-_--_-_-_-_-_-_-_-_-_--_ 
 
50,000.00 none 
15,000.00 7,946.92 none none 
178,714.98 none 
81,809.79 none none 
1,233.28 none 
52,500.00 none 
none none none none 
 
Total------------------------$ 387,204.97 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE GEORGIA BANKING CO. Macon, Ga. 
 
President, R. W. CROCKETT 
 
Vice-President, W. C. TURPIN, SR. 
 
Cashier, W. E. BOZEMAN 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ Other Assets----------------- 
Total ------------------------$ 
 
76,153.53 9,000.00 
20,217.66 none none none none 
5,235.75 none 
none 
17,952.98 none none 
none 462.54 
none 
none none 2,512.16 
131,534.62 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of .Deposit___ Savings Deposits_____________ Trust F'Und Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnercvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none none 
llOTif 
none 10,000.00 46,464.10 
none :204.50 23,797.47 
none 1,068.55 
none none none 
none none none none 
 
Total ------------------------$ 131,534.62 
 
 180 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MACON SAVINGS BANK 
 
President, JESSE B. HART 
 
Macon, Ga. 
 
Vice-President, J. W. CANNON 
 
Cashier, MAITLAND SOLOMAN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 653,991.75 
 
Demand Loans--------------United States Securities______ 
 
23,928.30 36,534.53 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n_d__s__________ __ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
 
7,274.25 
36,400.00 8,366.42 
4,463.30 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-'B--a-n-k-s-_-_-_-_-_-_--_ 
 
39,833.31 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-if--a-n-y-)--_-_-_-_-_-_-_-_-_~_-_ Other Assets_________________ 
 
none none none 
 
----- 
 
'l'otal ------------------------$ 810,791.86 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
HCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and Acceptneasnecrvese f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
75,000.00 68,440.50 
none 819.52 none 4,534.16 234,374.55 377,197.87 none 425.26 
none none none 
none none none none 
 
Total ------------------------$ 810,791.86 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MERCHAN'TS AND MECHANICS SAVINGS BANK 
 
Macon, Ga. 
 
President, W. T. MORGAN 
 
Vice-President, W. A. TAYLOR 
 
Cashier, T. W. HAWKES 
 
RESOURCES: 
 
Time Loans and Discounts----$ 204,833.53 
 
Demand Loans--------------- 
 
1,440.60 
 
United States Securities------ 12,900.00 
 
S.tate of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ 
 
1,405.00 none 
186.55 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Ca.sh in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
11,684.52 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 866.82 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_ _- _- _- _-_-_-_-_- :-:.-_ 
 
nnoonnee 
 
Other Assets_________________ 28,700.00 
 
----- 
 
Total ------------------------.11 262,017.02 
 
LIABILITHJS: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------'Cl'arushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Acceptneasnecrvese f-o-r--I-n-t-e-r-e-s-t-a-n-d--T-a--x-e-s Bonds Borrowed------------Other LiabilitieS------------- 
 
25,000.01) none 
15,00D.OO 6,530.28 none 1,625.60 
56,315.11 none 
65,821.07 60,528.48 
none 1,996.48 
none none none 
none none 28,700.00 500.00 
 
Total ------------------------$ 262,017.02 
 
 DEPARTMENT OF BANKIXG 
 
181 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF MADISON Madison, Ga. 
 
President, LEE TRAMMELL 
 
Vice-President, J. E. GODFREY 
 
Cashier, E. G. ATKINSON 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House______________ _ Furniture and Fixtures______ _ Other Real E.state Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--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_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_-_-_ _- _- _- -_ Other Assets_________________ 
 
165,324.59 14,805.89 none none 5,250.00 
155,903.23 7,500.00 2,008.00 
30,602.51 
14,288.62 
47,994.20 none 
3,57 4.39 
none 10,680.82 
482.55 none 
1,368.82 1,568.37 
 
Total ------------------------$ 461,351.99 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US ur dr pi vl ui ds e d- -P-r-o-f-i-t-s -_-_-_-_-_-__- _- _-_-_-_- -_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposft Time Certificate of Deposit___ E>avings Deposits____________ _ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted- Letters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e--s_ Other Liabilities------------- 
 
100,000.00 none 
75,000.00 7,311.40 170.00 none 
143,895.02 none 
13,446.72 120,618.97 
none 909.88 
none none none 
none none none none 
 
Total ------------------------$ 461,351.99 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF MANCHESTER 
Manchester, Ga. 
 
President, C. V. TRUITT 
 
Vice-President, JAS. S. PETERS 
 
Cashier, D. H. SMITH 
 
RESOURCES: 
 
Time Loans and Discounts----$ 267,969.82 
 
UDnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ State of Georgia Bonds_____ _ 
 
8,513.60 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
900.00 9,908.75 5,297.91 
 
Other Real Estate Owned---Due from Federal Reserve 
 
1,136.27 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r- B--a-n-k--s-_-_-__-_-_--_ 
 
102,895.87 none 
 
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- -__- -_ 
 
14,563.74 none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 709.17 
 
Other Total 
 
-A--s-s--e-t-s---------------------------------$- 
 
- -2,2-75.-97 414,171.10 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-. -_-__-_-_-_-_-_-_-_--_ 
Dh idends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-E>avings Deposits------------TCarushsiterF'us nCdhDecekpso__s_it_s_-_-_-_-_--_-_-_-_ 
Certified Checks-------------Bills Payable---~------------ Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
25,000.00 27,463.54 
none none 145,876.21 none 35,874.34 78,358.19 22,834.34 4,047.57 141.95 none none 
none 2,456.00 
none 22,118.96 
 
Total ------------------------$ 414,171.10 
 
 182 
 
ForRTII AxKGAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
STATE BANK 
 
Manchester, Ga. 
 
President, J. W. PEAVY 
 
Vice-Presidents, H. R. ROUTON, GEO. H. HELTO_:\f 
 
Cashier, GEO. R. HELTON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 181,881.28 
 
Demand Loans--------------United States Securities_____ _ State of Georgia Bonds______ 
 
650.00 100.00 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
3,107.05 3,536.00 11,260.54 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Casl1 in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
 
none 15,748.27 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
anceS --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none none 3,888.43 
 
----- 
 
Total ------------------------~ 220,271.57 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit__..: Savings Deposits ____________ _ Trust Fund Deposits________ _ Cashier's Checks____________ _ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
16,000.00 none 
4,000.00 1,553.01 
none none 65,103.60 none 78,095.80 24,872.22 none 1,304.21 
2.10 24,000.00 
5,340.63 
none none none none 
 
Total ------------------------~ 220,271.57 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF MANSFIELD Mansfield, Ga. 
 
President, J. M. HURST 
 
VicePresident, E. L. ALMAND 
 
Cashier, JOE S. McGARITY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 94,156.04 Capital Stock Paid In________ $ 25,000.00 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Casl1 in 
DuVeaufr1otsm -O--t-h-e-r -B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Cheeks and Cash Items_ Letters of Credit and Accept- 
 
2,229.80 none none none none 
2,000.00 1,800.00 3,112.50 
none 
5,336.81 none 602.25 
none none none 
 
Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dlvidends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
none none 14,287.05 none none 9,638.04 none 44,929.85 none none 55.43 none 15,877.03 none 
none none none none 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets------------------ - -5-50.-00 
~T~o~t;a~l~-=-=-~=-=-=-=-=-~-=-=--=-=-=-=-~-=-=--=-=-=-~$~~10~9~~7~8-~1.~4~0~~T~o~t~a~l=-=-=-~-~-=--=-=-=-=-=-~-=-=--=-=-=-=-=-~-=--~$~~1~0~9,787.40 
 
 DEPART:\IEXT OF BANKING 
 
183 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MERCHANTS AND FARMERS BANK Marietta, Ga. 
 
President, E. R. HUNT 
 
Vice-President, R. A. HILL Cashier, W. E. SCHILLING 
 
RESOURCES: 
 
LIABILITIES: 
 
TD1emmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ Advances on Cotton_________ _ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OC 1vt eh er rd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
204,740.83 42,405.12 none none none 4,000.00 515.38 4,896.33 19,868.05 
none 
79,928.23 96.42 none 
none 3,368.16 ' 47.80 
none none 3,919.84 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check____ DPmand Certificates of Deposit Time Certificate of DeposiL-5avings Deposits------------CT raus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ 
Other Liabilities------------- 
 
50,000.00 none 
5,000.00 8,716.06: 
none none: 243,891.94, none 1,027.00 54,835.41 none 315.75 none none none 
none none none none 
 
Total ------------------------$ 363,786.16 Total ------------------------$ 363~786.16 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK Marshallville, Ga. 
 
President, J. W. FREDERICK 
 
Vice-President, I. F. :MURPH 
 
Cashier, C. C. HASLAM 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ State of Georgia Bonds______ S1 cck in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserv 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeafurlotsm -O--th--e-r-B--a-n-k--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 ItemsLetters of Credit and Accept- 
ances --------------------0Ovtheredr raAfstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_--_ 
 
120,611.47 7,571.00 
21,400.00 none none none 
4,800.00 ,2, 700.00 
none 
none 
18,083.29 20,000.00 
none 
none 4,199.22 
none 
none none none 
 
Total ------------------------$ 199,364.98 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
 
US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid____________ _ 
 
Due to Banks---------------Deposits Subject to Check___ _ 
Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits________ _ Cashier's Checks____________ _ 
 
BCielrltsifPieadyaCb'lhee_c__k_s_-_-_-_--_-_-_-_-_-_-_-_-_- 
 
Notes and Bills RediscountedLetters of Credit and Acce.pt- 
 
Reasnecrvese 
 
-----------------~--- 
for Interest and Taxes 
 
Bonds Borrowed------------Other Liabilities-----~------- 
 
18,000.00 none 
30,000.00 12,577.32 
none none 104,434.74 none none 34,194.76 none 158.16 none none none 
none none none none 
 
Total ------------------------$ 199,364.98 
 
 184 
 
FouRTH AxxuAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
GEORGIA BANKING CO. Marshallville, Ga. 
 
President, J. C. WALKER 
 
.Vice-President, T. S. TAYLOR 
 
Cashier, H. DEAN WAGONER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 87,850.42 
 
Demand Loans--------------- 
 
5,500.00 
 
United States Securities------ 16,500.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n_d__s_--__-_-_-_.Furniture and Fixtures______ _ 
 
none 2,400.00 
2,000.00 
 
Dther Real Estate Owned ___ _ 
 
none 
 
Due from Federal Reserve 
 
D uBea fnrko m- - -O- t-h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
21,518.80 none none 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o-r- -C- -l-e-a-r i-n-g- - -H-o-u- s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
Other Assets------------------ - - -no-ne 
 
Total ------------------------$ 135,769.22 
 
LIABILITIES: 
Ca.pital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_ _- _- -_ DIYidends Unpaid____________ _ Due to Banks_______________ _ Deposits Subject to Check ___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o_s_i_t______ Trust Fund Deposits________ _ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Cred;t and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed____________ _ Other Liabilities------------- 
 
30,000.00 none 
6,000.00 5,345.13 
none none 30,557.21 none none 33,747.'04 none 119.14 none 30,000.00 none 
none none none none 
 
Total ------------------------$ 135,769.22 
 
STATEMENT Showing Condition at Close of Business Deeember 28, 1923 
of the 
 
THE BANK OF MARTIN Martin, Ga. 
 
President, W. A. MITCHELL 
 
Vice-President, G. N. STOVALL 
 
Cashier, P. D. LANDRUM 
 
RESOURCES: 
 
Time Loans and Discounts----$ 63,355.92 
 
Demand Loans--------------- 
 
1,635.39 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
270.00 none 
2,251.60 
 
Other Real Estate Owned___ _ 
 
2,085.93 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
26,484.65 5,000.00 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
575.20 none 
 
Other Checks and Cash Items_ 
 
177.70 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ _- _- _- _-_-_-_- -_ 
 
none 377.43 
 
Other Total 
 
-A--s-s-e--t-s---------------------------------$- 
 
- - -non-e 
102,213.82 
 
LIABILITIES: 
Capital Stock Paid In________ ~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeo~nedrsve Bf oorr rIonwt ee dr e_s_t__a_n_d__T_a_x__e s_ 
Other Liabilities------------- 
 
15,300.00 none 
5,000.00 1,570.76 
none none 67,390.18 none 7, 745.30 none none 5,073.84 none none non& 
none none none 133.74 
 
Total ------------------------$ 102,213.82 
 
 DEPARTMENT OF BANKING 
 
185 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF MAXEYS Maxeys, Ga. 
 
President, W. T. BRIGHTWELL 
 
Vice-President, J. R. NICHOLSON 
 
Cashier, GEO. P. BELL 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVea'furlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ -_ -_ -_ _- _- _- _- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
59,115.24 none 49.10 none none 
1,887.79 none 
1,825.00 none 
none 
4,397.98 none none 
none none 57.38 
none 7.25 
456.45 
67,796.19 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__--_ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable_________________ Notes and Bills Rediscounted_ Leotters of Credit and AeceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_- _-e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
10,000.00 749.26 none none 
24,642.07 none 
17,349.12 none none 55.74 none none none 
none none none none 
67,796.19 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK Maxeys, Ga. 
 
President, DR. S. D. DURHAM 
 
Vice-Presidents, JNO. W. MOODY, L. P. MAXEY 
 
Cashier, B. N. HANSFORD 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------ADduveafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_Advances on Other Commodities ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f -t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ 
Other Assets----------------- 
Total ------------------------$ 
 
60,007.33 651.02 none none none none 
1,601.60 2,006.65 6,315.56 
none 
8-29.91 none none 
none none none 
none 107.57 
none 
71,519.64 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
DDiuveidteondBsaUnkn.sp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_- 
 
Certified Checks-------------- 
 
Bills Payable----------------Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
RBeoasnnedcrsvees 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other LiabilitieS------------- 
 
Total ------------------------$ 
 
15,000.00 none 
3,000.00 2,835.93 
none none 7,552.66 4,997.83 8,879.11 none none 11.94 none 29,242.17 none 
none none none none 
71,519.64 
 
 18G 
 
Fomnn ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF MEANSVILLE 
 
Meansville, Ga. 
 
President, U. L. TAYLOR 
 
Vice-President, J. W. HALLOWAY 
 
Cashier, H. G. LANGFORD 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BCathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ 
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_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
62,782.82 none 50.00 none none none 
1,750.00 2,250.00 
none 
none 
40,064.10 none 
2,455.33 
882.36 none 
135.18 
none 56.11 none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks_______________ _ 
Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills RediscountedLetters of Credit and Accept- 
nBeoasnendrcsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities____________ _ 
 
23,600.0() none 
10,000.0(1 2,546.0+ none none 
33,203.26 none 
41,016.85. none none 59.75 none none none 
none none none none 
 
Total ------------------------~ 110,425.90 Total ------------------------$ 110,425.91) 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF MEIGS Meigs, Ga. 
 
President, J. N. CARTER 
 
Vice-President, M. WILKES 
 
Cashier, DUNCAN BICKLEY 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------l..;nited States Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_-_-_-_-_- 
Furniture and Fixtures------Other Real Estate Owned____ Due from Federal Heserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in l.luVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ 
Advances on Cotton---------Advances on Other CommodiChtetecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f-t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ 
Other Assets----------------- 
 
204,766.18 none 
2,200.00 none none 
900.00 5, 725.00 1,785.00 1,100.00 
none 
38,184.81 none none 
none none 739.75 
none 101.72 
none 
 
Total ------------------------$ 255,502.46 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s~_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and AcceptR.easnecrvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed____________ _ 
Other Liabilities------------- 
 
100,000.00. none 
20,000.00 541.72 none none 
75,641.81 none. 
50,990.8~ 
none 697.92' 2,514.86 none none 2,915.32' 
none none 2, 200.00' none 
 
Total ------------------------$ 255,502.4{> 
 
 DEPART:\fE:'\T OF BANKIKG 
 
187 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF MENLO 
 
Menlo, Ga. 
 
President, J. C. CHAMBLEE 
 
Vice-P1esiclent, 0. D. WYAT'f 
 
Cashier, HUGH MeGUKIN 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 115,87 2.94 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
3,000.00 
2,500.00 
2,625.00 none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
13,350.53 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_- _- 
 
none 382.n 
 
Other Assets_________________ 
 
J,7 46.71 
 
----- 
 
Total ------------------------$ 141,478.15 
 
LIABILITIBS: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DD1uVeidetondoB3 aUnknsp_1_._id_-_-_-_-_-_-_- _-_-_-_-_--_ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
5,000.00 3,383.76 
none none 53,310.89 none 59,622.01 none none 161.49 none 5,000.00 none 
none none none none 
141,478.15 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
COMMERCIAL BANK 
 
Metcalf, Ga. 
 
President, J. W. HORNE 
 
Vice-Presidents, H. C. COPELAND, G. F. HICKS 
 
Cashier, ,J. TRUMAN HOLLAND 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds-- ___ _ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k-s-_-_-_-_-_-_-_Advances on Cotton__________ Advances on Other CommodiChteieesks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-__-_-_-_--_ Other Assets ________________ _ 
Total ------------------------$ 
 
33,884.7 4 1,750.00 none none none none 1,227.76 942.80 none 
none 
28,965.89 none none 
none none none 
none none 100.00 
66,871.19 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ D<mand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits____________ _ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable----------------Notes and Bills Rediscounted_ Lette,s of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.0() none 
7,500.0() 1,577.04 
none none '26,373.21 none none 16,384.48 none 36.46 none none none 
none none none none 
66,871.19 
 
 188 
 
Foi:RTH A~Nt:AL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF METTER 
 
Metter, Ga. 
 
President, W. D. KENNEDY 
 
Vice-President, J. T. TRAPNELL, (Deceased) 
 
Cashier, L. H. SEWELL 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank OBtahnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
Du\e'a nfrlotsm -O--th--e-r--B-a-n-k--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_ Letters of Credit and Accept- 
ances --------------------OO vt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
290,697.44 1,504.25 100.00 none none 4, 765.00 
21,141.15 7,000.58 5,436.60 
none 
13,803.22 3, 746.65 
17,371.78 13,613.2?. 
1,455.56 
670.00 
none 6.08 none 
 
Total ------------------------~ 381,~11.53 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dh idends Unpaid .. ___________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and AcctJpt- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities____________ _ 
 
25,000.00 none 
25,000.00 11,733.89 
30.00 6,500.00 109,402.50 14,500.00 151,227.06 
none none 568.08 none 18,000.00 18,750.00 
n:)ne nune 600.00 none 
 
Total ------------------------~ 381,311.53 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF CANDLER COUNTY Metter, Ga. 
 
President, GEO. L. WILLIAMS 
 
Vice-Presidents, DR. J. L. NEVIL, W. A. BIRD 
 
Cashier, P. Q. COLLINS 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 97,049.59 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Fede'ral Reserve Bank 
 
800.00 
 
OBathnekrinSgtoHcokus saen_d___B_o__n_d_S_-_-_-_-_-_Furniture and Fixtures_______ Other Real Estate Owned____ 
 
none none 8,041.34 none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
8,909.52 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ 
 
12,470.13 none 
 
Advances on Cotton---------- 
 
3,007.55 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r-i n- g- - -H-o-u- -s e- -__- -_ 
 
none 1,374.33 
 
Other Checks and Cash Items_ 
 
34.30 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (If any)----------- 
 
none none 
 
- - - - Other Assets----------------- 
 
none 
 
Total ------------------------$ 131,686.76 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBsaUnnkps,_.,_i_d_- _-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Df'mand Certificates of Deposit Time Certificate of Deposit___ Favings Deposits_____________ TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
 
125,000.00 ncne 
1,250.00 2,911.51 
8.00 none 35,653.81 none 32,765.52 18,578.15 none 261.16 none none 7,720.58 
none none none 7,538.03 
 
Total ------------------------$ 131,686.76 
 
 DEPARTMENT OF BANKIJ>G 
 
189' 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK Metter, Ga. 
 
P1esident, A. J. BIRD 
 
Vice-Presidents, W. E. SIMMONS, G. W. WATSON Cashier, C. G. McLEAN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 145,254.22 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
267.61 200.00 
none 
 
Stock in Federal Reserve Bank 
 
1,500.00 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures______ _ 
 
675.00 19,271.02 
3,852.34 
 
Other Real Estate Owned____ 
 
8,662.89 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
1,307.97 
 
serve Agents and Cash in 11,765.39 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
none none 
 
A!lvances on Other Gommodi- 
 
none 
 
ties ----------------------Ghecks for Clearing House--- 
 
2,506.84 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
479.12 
 
----- 
 
Total ------------------------$ 195,742.40 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
 
Surplus --------------------DUinvdiidveinddesd UPnrpoafiidts_-_-_-_-_-_-_-_-_-_-_-_--_ Due to Banks________________ 
 
Deposits Subject to Check____ 
Demand Certificates of Deposit 'l'ime Certificate of Deposit--Savings Deposits_____________ 
 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
RBeoasnnedrcsvees 
 
-------------------r- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities------------- 
 
30,000.00 none 
20,000.00 7,052.75 none none 
55,110.54 none 
43,676.86 none none 
1,451.04 none 
10,000.00 28,451.21 
none none none none 
 
Total------------------------$ 195.742.40 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF MILAN 
 
President, L. 0. BENTON 
 
Milan, Ga. V-ice-President, J. )f. COOK 
Cashier, R. C. CHAMBERS 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
 
82,774.08 6,200.00 none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ 
 
none none 2,500.00 
 
Banking House--------------Furniture and Fixtures______ _ 
 
11,564.00 2,800.00 
 
Other Real Estate Owned---- 
 
2,085.89 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Gotton _________ _ 
 
39,005.10 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
10,573.35 '653.52 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets------------------ - -5-89.-77 Total ------------------------$ 158,745.71 
 
LIABILITIJ<;S: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BC ielrltsi fPi eady aCbhl ee_c_k_ _s_- _- -_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~r:eserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
30,000.00 none 
6,000.00 2,337.72 
none none [)9,556.16 ..none 58,408.66 none none 2,443.17 none none none 
none none none none 
 
Total ------------------------$ 158,745.71 
 
 lUO 
 
FouRTII ANXL\L RI~PORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, J<YHN CONN 
 
EXCHANGE BANK Milledgeville, Ga. Vice-President, H. D. ALLEN 
Cashier, OTTO M. CONN 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ .State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
.Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------.ADduve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e-----Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets_________________ 
:Total ------------------------$ 
 
406,597.45 30,981.93 12,450.00 none none 4,000.00 none 4,435.03 4,869.70 
none 
54,080.31 none 
790.55 
none 1,023.64 
70.61 
none 4, 775.85 177,050.73 
701,125.80 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_ -_ _- _- _-_- -_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__.-_ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_c~rtified Checks _____________ _ Ems Payable________________ _ 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_-_-e-s_ 
Other LiabilitieS------------- 
 
75,000.00 none 
50,000.00 29,07 4.00 
489.00 none 
369,624.62 none none none none 
1,957.26 8.58 
11o,ooo:oo none 
none none none 4,972.34 
 
'l'otal ------------------------$ 701,125.80 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the MERCHANTS AND FARMERS BANK 
Milledgeville, Ga. 
 
President, JXO. T. ALLEN 
 
Cashier, L. C. HALL 
 
RESOURCES: 
 
LIABILITIES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furnjture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks------_Advances on Cotton__________ Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-_-_-_-___--_ Other Assets ________________ _ 
 
337,594.15 27,526.29 25,000.00 none none none 9,000.00 2,906.91 3,893.09 
none 
45,958.86 607.50 none 
none 1,533.98 
508.66 
none none none 
 
Capital Stock Paid In________$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t -s -_-_-_-_ -_ -_ _- _- _- _-_-_- -_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit 'l'ime Certificate of Deposit__ . Savings Deposits_____________ Trust Fund Deposits_________ 
CCearsthifiieerd's CChehcekcsk_s_-_-_-_-_-_-_-_-_-_-_-_-_Bills Payable ________________ _ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
80,000.00 none 
80,000.00 36,304.99 
none none 251,165.70 57.00 none none none 
~501.75 
none none none 
none 
non~ 
none 6,500.00 
 
_2;T~o:,:t~a~l;:-;:-;:--;:-;:-:o::-~-~-;:-;:-;:--=:-=-=-~-;:-;:-;:--;:-:;:-~-~$:~~4-~5-4;;,~5-;:2-9=--~4~4===='l='o~t;:a~l=-=-=-=-=-=--=-=-=-=-=-=-=~=--=-:::::-:::::-=-=-==--=$'==='4::::5=4=,5=2=9=.4=4 
 
 DEPART~lEXT OF BANKIJ'\G 
 
191 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE MILLEDGEVILLE BANKING CO. Milledgeville, Ga. 
 
President, ::\HLLEH S. BELL 
 
Vice-President, D. S. SANFORD 
 
Assistant Cashier, CHAS. M. DAVIS 
 
RESOUHCES: 
DTiemmeanLdoaLnsoaannsd__D__i_s_c_o_u_n_t_s_-_-_--_$ United States Securities_____ _ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
Hank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ _- _- _- _-_-_- :-__-_ Oiher Assets_________________ 
Total ------------------------~ 
 
444,083.92 77,736.16 15,200.00 none none 5,000.00 none 6,977.77 8,650.00 
none 
106,024.93 5,069. 76 none 
none 1,212.08 
none 
none 1, 730.63 62,500.00 
734,185.25 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits_____________ CT raus hs ti e rF' su nCd h Deecpkoss_i_t_s_-_-_-_-_-_~_-_ -_ -_ Certified Checks______________ Bills Payable ________________ _ Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnendrcsvees Bf-oo-rr-r Io-n-w-t ee-dr-e-_s-_t-_ -_a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities_____________ 
~ot.IJ ----- -------------------~ 
 
50,000.00 none 
100,000.00 39,457.97 1,046.00 2,180.18 
523,656.15 none none none none 
1,844.95 none none none 
none 16,000.00 
none none 
734,185.25 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF MILLEN 
Millen, Ga. 
 
President, J.P. APPLEWHITE 
 
Vice-President, I. 0. PARKER, S.C. PARKEH 
 
Cashier, J. F. BATES 
 
HESOURCES: 
DTiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ United States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in LuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------CJ,.ecks for Clearing House--Other Checks and Cash ItemsLetters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n--y-)---------------------Other Assets----------------- 
Total ------------------------$ 
 
181,339.90 6,712.83 
42,745.00 none 
3,000.00 67 5.00 
18,725.31 8,098.45 3,410.00 
27,096.59 
221,836.48 none 
21,198.43 
5,164.85 2,722.84 
none 
none none none 
542,725.68 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ Certified Checks______________ Bills Payable_________________ Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnendrcsvees Bf-oo-rr-r oI-n-w-tee-dr-e_-s_-t_- _-a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
50,000.00 none 
50,000.00 6,276.27 none none 
247,817.92 46,143.97 none 
141,504.97 none 
982.55 none none none 
none none none none 
 
Total ------------------------$ 542,725.68 
 
 192 
 
FouRTH AxNuAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE FARMERS BANK Milner, Ga. 
 
President, B. H. HARDY 
 
Vice-President, S. J. CHILDERS Cashier, F. P. AUSTIN 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
 
Demand Loans--------------United States Securities_____ _ 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
BOat 
 
hnker.i 
 
nSgt 
 
oHc 
 
kosu 
 
saen- 
 
d Bonds-----_____________ 
 
[ 
 
Furmture .and Fi7xtures_______ I 
 
Other Real Estate Owned ___ _ 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--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_ 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_--_- 
 
100,655.55 none none none none 225.00 
i,832.00 2,180.00 
none 
none 
618.22 none none 
none 1,368.02 
none 959.03 1,487.97 
 
LIABILITIES: 
Capital Stock Paid In_______ _ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_it_-_-_Trust Fund Deposits_________ CCearsthifiieerd's CChehcekcsk_s_-_-_-_-_-_-_-_-_-_-_-_--_ Bills Payable_________________ 
Notes and Bills Rediscounted .. Letters of Credit and AcceptRBEoasnnedcrsvese Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ 
Other Liabilities------------- 
 
25,000.00 none 
2,500.00 none none 
193.89 25,734.76 
none 16,853.4:3 
none none 1,241.25 none 36,192.86 1,609.60 
none none none none 
 
Total ------------------------$ 109,325.79 Total ------------------------1 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Milltown, Ga. 
 
President, W. L. MILLER 
 
Vice-Presidents, M. C. LEE, R. L. PATTEN Cashier, W. C. BANKS 
 
RESOURCES: 
 
Time Loans and Discounts----$ DUenmiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ 
State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
174,451.93 none none none none 
8,000.00 2,167.00 
 
Furniture and Fixtures------Other Real Estate Owned___ _ 
 
3,474.99 16,599.14 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in Vaults ------------- ..-----ADduve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_--_ 
 
34,818.49 none 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
 
none 347.14 
47 7.90 
 
Ovaenrcdersaft-s--(-i-f -a-n--y-)---------------------- 
 
nnoonnee 
 
Other Assets------------------ - -3,6-67.-95 
Total ------------------------~ 244,004.54 
 
LIABILITIJ<.:S: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------CCearsthifiieerd's CChehcekcsk_s_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
P.\IIs Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
 
Reasenrcvees 
 
-------------------~- 
for Interest and Taxes 
 
Bonds Borrowed------------- 
 
Other LiabilitieS------------- 
 
25,000.01) none 
3,000.00 871.21 42.00 none 
58,308.19 none 
130,966.n 817.87 none 
4,998.34 none 
20,000.00 none 
none none none none 
 
Total ------------------------~ 244.004.54 
 
 DEPART:\JENT OF BANKING 
 
193 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF MOLENA Molena, Ga. 
 
President, Z. LAWRENCE 
 
Vice-President, W. 0. JORDA::-T Cashier, J. C. WILKES 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans______________ _ 
United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Ban!< BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Hank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton_________ _ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ Gther Assets ________________ _ 
 
60,900.58 2,068.63 none none none 4,725.00 1,693.90 2,209.28 none 
none 
8, 732.50 6,519.23 25,799.40 
none 45.18 836.51 
none 11.60 5,003.05 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits ____________ _ Dividends Unpaid _________ .:_ __ _ Due to Banks_______________ _ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits___________ _ Trust Fund Deposits________ _ Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
 
15,000.00 none 
3,000.00 2,618.38 
7 52.00 3,000.00 46,031.00 
none 37,974.48 
none none 59.00 none 10,000.00 none 
none none nonP 110.00 
 
Total ------------------------$ 118,544.86 Total ------------------------$ 118,544.86 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the BANK OF MONROE 
 
Monroe, Ga. 
 
President, B. S. WALKER 
 
Vice-President, J. R. RADFORJD Cashier, J. R. RADFORD 
 
RESOURCES: 
 
Time Loans and Discounts----$ 430,819.30 Demand Loans ______________ _ 36,320.41 
 
United States Securities------ 
 
1,394.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
9,450.00 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
2,600.00 none 
 
Furniture and Fixtures___ .:. __ _ 
 
2.500.00 
 
Other Real Estate Owned____ 37,409.21 
 
Due from Federal Reserve 
 
Hank ---------------------- 24,036.90 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
144,040.12 none 
16,231.49 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none 2.109.39 
 
Other Checks and Cash Items- 
 
326.46 
 
Letters of Credit and Accept- 
 
ances ------------------ ;::-- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
Other Assets------------------ -3-9,7-73.-55 
 
Total ------------------------$ 747.010.83 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits____________ _ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Dep0siL Ti.me Certificate of Deposit_ __ Savings Deposits____________ _ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills RediscountedLetters of Credit and Accept- 
Rf'asnercvees f-o-r--In--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed_____________ Other Liabilities____________ _ 
 
300,000.00 none 
15,000.00 1,367.83 363.00 none 
249,070.27 35,808.06 4n,150.5!l none 53.119.93 1,950.74 262.07 none none 
none 2,940.08 
none 37,97S.26 
 
Totql ------------------------$ 747.010.83 
 
 1 
 
HJ1 
 
Fon~Tn AxxeAL RIDPORT 
 
STATEMENT Show4tg Condition at Close of Business December 28, 1923 
of the 
 
President, J. M. NO'WELL 
 
THE FARMERS BANK Monroe, Ga. Vice-Presidents, H. M. ARNOLD, A. B. MOBLEY 
Cashier, C. R. BRADFORD 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ 
State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton_________ _ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OO vt heerrd r Aa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
277,710.16 1,656.02 
106,850.00 7,000.00 5,400.00 
16,500.00 3,643.00 none 
17,201.83 
34,892.47 
55,793.61 67.76 
8,230.59 
none 536.44 345.88 
none none 36,041.22 
 
Capital Stock Paid In________ $ 
Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ -_ _- _- -_ Dividends Unpaid ____________ _ Due to Banks_______________ _ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ !Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------~-----Other Liabilities____________ _ 
 
150,000.00 none 
30,000.00 2,736.42 none none 
264,620.03 352.78 
59,108.34 30,910.65 
none 2,538.01 
52.75 none none 
none none none 31,550.00 
 
Total ----------------~-------f 
 
Total------------------------~ 571,868.~~ 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
UNION BANKING CO. 
 
Monroe., Ga. 
 
President, J. E. WRIGHT 
 
Vice-President, W. K. SWANN 
 
Cashier, H. D. SPIVEY 
 
RESOURCES: 
 
Time Loans and Discounts----$ 138,672.82 
 
Demand Loans--------------- 
 
760.00 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
2,400.00 
 
OB at hnekri nSgt oHc kosu saen_d_ _ _B_o:_ n_ _d_s_-_-_-_-_- -_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ 
 
I 500.00 
4.500.00 3,500.00 10,981.01 
 
Due from Federal Reserve 
 
Bank ----------------~----Due from Other Approved Re- 
 
7,947. 76 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other BankS------Advances on Cotton~-----~-- 
 
7,208.13 none none 
 
Advances on Other Commodi- 
 
ties --------------.--------Checks for Clearing House--- 
 
none 174. 73 
 
Other Checks and Cash Items_ 
 
261.46 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
300.61 
 
----- 
 
Total ------------------------$ 177,206.52 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuisd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ -_ _- _- -_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks____________ _ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -----~--------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
60,000.00 none 
20,000.00 2,637.52 none none 
47,001.21 none. 
12,711.82 none 97.26 
221.17 1,000.00 10,463.86 23.073.68 
none none none none 
 
Total ------------------------$ 177,206.52 
 
 DEPARTMENT OF BANKING 
 
195 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
JASPER COUNTY BANK Monticello, Ga. 
 
P1esident, H. P. BENTON 
 
Vice-President, JAS. T. BENTON 
 
Cashier, G. W. CORNWELL 
 
RESOURCES: 
 
Time Loans and Discounts----$ 60,561.54 
 
Demand Loans--------------- 32,384.56 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_--_-_-_-_- 
 
1,455.00 2,800.00 
 
Furniture and Fixtures_______ 
 
2,964.58 
 
Other Real Estate Owned___ _ 
 
5,348.44 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann_k__S_-_-_-_-_-_--_ 
 
125,857.12 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items- 
 
1,950.92 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------Other Assets_________________ 
 
none 1,714.52 
 
----- 
 
Total ------------------------$ 235,036.68 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
25,000.00 7,751.95 6.00 none 
118,225.36 none 
59,051.37 none none 2.00 none none none 
none none none none 
 
Total ------------------------$ 235,036.68 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MONTROSE BANKING CO. Montrose, Ga. 
 
President, G. N. ROSS 
 
Vice-President, W. G. THOMPSON Cashier, W. S. WILLIAMS 
 
RESOURCES: 
 
'l'ime Loans and Discounts----$ 24,638.53 
 
Demand Loans--------------United States Securities______ 
 
1,390.00 none 
 
State of Georgia BondS-----Stock in Federal Reserve Bank 
 
none none 
 
Other Stocks and Bonds------ 
 
225.00 
 
Banking House--------------Furniture and Fixtures_______ 
 
2,500.00 2,487.55 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
 
16,838.36 r..one 
 
Advances on Cotton---------- 
 
150.00 
 
Advances on Other Commodi- 
 
ties --~-------------------Checks for Clearing House__ _ 
 
none 346.79 
 
Other Checks and Cash Items_ 
 
104.34 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_- _- 
 
none 698.71 
 
Other 
 
Ass 
 
e 
 
t 
 
s-- 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
----- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------f 49,379.28 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities_____________ 
Total ------------------------t 
 
15,000.00 none none 395.16 none none 
31,122.21 none 
2,692.80 none none 
169.11 none none none none none none none 
49,379.28 
 
 196 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MORELAND BANKING CO. Moreland, Ga. 
 
President, J. P. CAMP 
 
Vice-President, E. M. CAMP Cashier, D. C. OWEN 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 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_ Letters of Credit and Accept- 
ances --------------------0\erdrafts (if any)----------(Jther Assets----------------- 
 
9 6,090.26 1,854.94 none none none none none 664.40 1,881.54 
none 
12,964.60 none none 
none none none 
none 337.43 none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks____________ _ BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
25,000.00 none 
5,000.00 12,929.40 
none none 41,431.66 none 10,145.40 none none 10.47 none 7,500.00 none 
none none none 11,776.24 
 
Total ------------------------$ 113,793.17 Total ------------------------$ 113,793.17 
 
STATEMENT Showing Condition at Close of Business December 28, 1923" 
of the 
 
THE CITIZENS BANK Moultrie, Ga. 
 
President, R. M. MORRISON 
 
Vice-President, D. A. AUTREY 
 
Cashier, W. S. STO'KES 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 1,087,957.34 
 
Demand Loans--------------- 16,857.46 
 
United States Securities______ 
 
'846.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
4,970.00 
 
Banking House--------------Furniture and Fixtures_______ 
 
none 9,950.00 
 
Other Real Estate Owned____ 49,376.94 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
157,447.31 1,303.12 
557.75 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------O0 tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none none none 
 
Total ----------------------:-- ~ 1,329,265.92 
 
LIABILITH;S: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits____________ _ 
TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills RediscountedLetters of Credi.t and Accept- 
ances --------------------Reserve for Interest and Taxes OBothnedrs LBiaobrirloitwieesd__--_-_-_-_-_-_-_-_-_-_--_ 
 
100,000.00 none 
100,000.00 34,955.61 none 13,481.49 
445,013.97 none 
444,387.65 39,330.45 none 996.51 100.24 75,000.00 51,000.00 
none 25,000.00 
none none 
 
Total ------------------------$ 1,329,265.92 
 
 DEPART~IEXT OF BANKING 
 
197 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
MOULTRIE BANKING CO. 
 
Moultrie, Ga. 
 
President, W. C. VEREEX 
 
Vice-President, F. R. PIDCOCK 
 
Cashier, M. L. LEE 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 1,308,456.94 
 
Demand Loans--------------- 495,139.44 
 
"United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and BondS-----_ Banking House_______________ 
 
10,855.00 19,004.00 
 
Furniture and Fixtures_______ 
 
3,650.79 
 
Other Real Estate Owned____ 20,143.89 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-__--_ Advances on Cotton _________ _ 
 
132,235.51 1,038. 73 
162,378.64 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 22,130.20 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none 561.15 none 
 
Total ------------------------$ 2,17 5,594.29 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ DPmand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e_-s_-t_- _-a_-n_-d_-_-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
200,000.00 none 
225,000.00 82,599.93 none none 
676,382.02 3,028.96 
653,551.45 56,636.44 none none 100.00 none 
278,295.49 
none none none none 
 
Total ------------------------~ 2,175,594.29 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF MT. AIRY Mt. Airy, Ga. 
 
President, C. GRESHAM 
 
Vice-President, A. L. KIMSEY Cashier, R. I. THOMPSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 29,667.41 
 
Demand Loans--------------- 
 
398.00 
 
U"nited States SecuritieS------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------- 
 
2,017.77 
 
Furniture and Fixtures------Other Real Estate Owned____ 
 
2,070.00 none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
6,568.79 none none 
 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 239.00 
 
Other Checks and Cash Items_ 
 
483.01 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
- - - - Other Assets----------------- 
 
318.99 
 
Total ------------------------$ 41,762.97 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-__-_-_-_-_-_-_-_-_-__--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ Notes and Bills RediscountedLetters of Cre-lit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none none 
llOTIII 
none none 14,797.00 none 11,904.82 none none 61.15 none none none 
none none none none 
41,762.97 
 
 198 
 
FouRTH ANNTAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
THE MT. VERNON BANK Mt. Vernon, Ga. 
 
President, WILLIE T. McARTHUR 
 
Vice-President, D. A. McRAE 
 
Cashier, W. A. PETERSON 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks____ -Advances on Cotton---------Advances on Other Commodities --------------------~-Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
OOtvahenercrdersAafst-ss-e-t(s-if_-_-a_-n_-_-y_-)_--_--_--_--_--_--_--_--_--_----_ 
Total ---------~--------------~ 
 
185,079.57 8,478.10 
29,950.00 none none none 
6,765.75 2,296.24 8,551.31 
none 
129,452.53 none none 
none none 
4.34 
none 160.99 15,000.00 
385,738.83 
 
L IABILI'riES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check---Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_--_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
30,000.00 15,000.00 25,000.00 20,164.96 
none none 119,903.96 30,000.00 97,018.44 34,444.14 12,523.63 1,683.70 none none none 
none none none none 
 
Total ------------------------~ 385,738.83 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE FIRST BANK OF NASHVILLE Nashville, Ga. 
 
President, L. A. CARTER 
 
Vice-President, A. W. PATTERSON 
 
Cashier, J. W. E. POWELL 
 
RESOURCES: 
 
Time Loans and Discounts----$ 346,345.60 
 
Demand Loans--------------United Sta.tes Securities______ State of Georgia Bonds______ 
 
6,507. 74 none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ 
Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
 
none 455.33 
2,631.46 4,330. 73 
8,828.21 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ 
 
95,253.70 none 
 
Advances on Cotton---------- 13,661.90 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ 
 
12,364.70 629.87 
4,238.69 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none 156.62 1,600.00 
 
----- 
Total ------------------------$ 497,004.55 
 
LIABILITIES: 
Capital Stock Paid In________ ~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Ba.nks________________ 
Deposits Subject to Check---Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhleec_k_s_-_-_-_-_-_-_~_-_-_-_-_-_-_-_ 
Notes and Bills Rediscounted_ Letters of Credit a.nd Accept- 
ances --------------------RBeosnedrsv e Bf oorrrIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
25,000.00 none 
25,000.00 10,152.51 
12.00 none 92,410.38 none 303,105.58 none 35,208.83 925.01 none none none 
none 5,190.24 
none none 
 
Total ------------------------$ 497,004.55 
 
 'DEPARTMENT OF BA"NKING 
 
199 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE FARMERS BANK Naylor, Ga. 
 
President, J. P. CARTER 
 
Vice-Presidents, MRS. 0. F. WETHERINGTON, 
 
PERRYMAN CARTER 
 
Cashier, H. D. ROBINSQN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 29,230.66 
 
Demand Loans--------------United States Securities______ 
 
none 2,000.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
none 1,606.88 
 
Furniture and Fixtures_______ 
 
2,040.95 
 
Other Real Estate Owned---- 
 
3,891.71 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advanc"ls on Cotton__________ 
 
27,7 42.89 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
0O't'ahenercdrersaAfst-ss-e-t(s-if-_-_a-_n-__-y_-)_--_--_--_--_--_--_--_--_--_----_ 
 
none 683.51 
none 
 
----- 
 
'l'otal ------------------------$ 67,196.60 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits-----~------ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits______,_ _____ _ Trust Fund Deposits___ _: ____ _ Cashier's Checks_____________ Certified Checks--~---------- Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Acci>ptReasnecrvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s OBothnedrs LBiaobrriloitwieesd_-_-_-_-_-_-_'-_-_-_-_-_-_- 
Total ------------------------ $ 
 
15,000.00 none 
3,000.00 8, 701.67 
none none 10,525.2& none 29,745.90 none' none 223.77 none none none 
none none none none 
67,196.60 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF NEWBORN Newborn, Ga. 
 
President, L. 0. BENTO'N 
 
Vice:President, G. H. DAVIS Cashier, T. G. NORTH 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_-_Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann__k_S_-_-_-_-_-_-_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 ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
Other Assets----------------- 
'rota! ------------------------~ 
 
137,394.39 none none none none none 
1,400.00 1,900.00 14,771.40 
none 
681.49 665.37 
none 
none 29.40 none 
none none 2,637.78 
159,479.83 
 
LIABILITIES: 
Capital Stock Paid In-,-------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Bank,s________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
TCraushstierF'sunCd reDeekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Leatntecress o_f__C_r_e_d_i_t__a_n_d__A__c_c_e_p. _t_- 
Reserve for Interest and Taxes Bonds Borrowed____.________ _ Other Liabilities____________ _ 
 
50,000.00 none 
15,000.00 367.59 none ncne 
3,798.26 none 
54,263.54 none none none none 
32,914.70 none 
none none none 3,135.74 
 
Total ------------------------f 159,47g_g3 
 
 200 
 
FouRTII AN:"!TAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF NEWINGTON Newington, Ga. 
 
President, P. R. KITTLES 
 
Vice-Presidents, F. H. CONNOR, C. A. WOODS 
 
Cashier, G. C. RUSSELL 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
 
DUenmitaendclStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ 8tate of Georgia Bonds_____ _ 
Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_s____ _ 
 
Furniture and Fixtures--====Other Real Estate Owned---= Due from Federal Reserve 
 
Bank Due fro 
 
-m 
 
-O 
 
---ther 
 
-A-p-p-r-o-v-e-d--R~:: 
 
serve Agents and Cash in 
 
20,581.45 3,000.00 none none none 4,300.00 none 1,500.00 none 
none 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s------Advances on Cotton---======= -"-dyances on Other CommodiChteiecsks-f-o-r--C--l-e-a-rtn_g-iJ;use __ _ Other Checks and Cash Ite~s~ Leatntecress o_f__C_r_edit and AcceptOverdrafts (if-;;;:;;;-;=---------- 
Other Assets-------========== 
 
12,441.53 none none 
none 44.42 57.25 
none 301.75 
none 
 
Total -------------------------~--4-2-,2-2_6_.4_0 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks_____________ _ Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r-Ion-w-tee- -dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_Other Liabilities_____________ 
Total ------------------------~ 
 
15,000.00 none none 80.00 none none 
22,928.31 none 
3,160.56 77 5.23 none 282.31 none none none 
none none none none 
42,226.40 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
NEWNAN BANK AND TRUST CO. Newnan, Ga. 
 
President, A. H. FREEMAN 
 
Vice-Presidents, T. M. GOODRUM, H. C. ARNALL, 
 
JR., C. C. McKNIGHT 
 
Cashier, H. W. ARNALL 
 
RESOURCES: 
 
Time Loans and Discounts----$ 617,770.36 
 
Demand Loans--------------- 115,506.68 
 
United States Securities______ 
 
800.00 
 
State of Georgia Bonds_____ _ 14,250.00 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds_____ _ 
 
2,250.00 
 
Banking House--------------Furniture and Fixtures______ _ 
 
none 7,479.44 
 
Other Real Estate Owned---- 
 
5,875.79 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
82,5.21.86 none none 
 
Advances on Other Commodi- 
 
C htei ecsk s - -f o- r- -C- -l-e-a-r-i n-g- - -H-o-u- -s e- -__- -_ 
 
none 9,562.62 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvtheerrdrAafstsset(si 
 
f__a_n_y_)_-_--_-_-_-_--_-_-_-_ 
 
1,553.59 ______n_o_n_e 
 
Total ------------------------$ 857,570.34 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_Trust Fund Deposits_________ c-ashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ L<'tters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
200,000.00 none 
100,000.00 12,279.24 2,085.00 632.06 
312,669.50 59,039.93 none 35,539.61 none none none 
135,000.00 none 
none none none 325.00 
 
Total ------------------------$ 857,570.34 
 
 DEPART:\lE:'iT OF BANKING 
 
201 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, J. C. ODO~I 
 
BAKER COUNTY BANK Newton, Ga. Vice-President, BENTON ODOM 
Cashier, J. H. HALL 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----* 
Demand Loans--------------United States SecuritieS-----State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ 
 
73.534.14 22,558.82 
none none none none 
3,005.75 3,027.87 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved He- 
 
none 
 
serve Agents and Cash in Vaults -------------------DAduve afnrcoems oOnthCeor ttBoann_k__s_-_--_-_-_-_-_- 
 
28,046.66 none none 
 
~'l.dvances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ {)ther Checks and Cash Items_ 
 
none none none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
-overdrafts (if any)----------- 
 
none 
 
Other Assets-----------------_ _ _ _none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches U~unrdpilvuisd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check___ _ Demand Certificates of Deposit Tim_e Certificate of Deposit___ Savmgs Deposits_____________ Trust Fund Deposits_________ Cashier's Checks________ 
Certified Checks---------==--Bills Payable--------------=== Notes and Bills Rediscounted_ LEtters cf Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
Total ------------------------$ 130,173.24 Total ------------------------$ 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF NORCROSS Norcross, Ga. 
 
:25,000.00 none 
25,000.00 1,157.21 2,000.00 none 
70,125.30 none 
6,193.60 none none 
697.13 none none none 
none none none none 
130,173.24 
 
President, A. A. JOHNSON 
 
Vice-President, C. A. McDANIEL 
 
Cashier, P. W. SUMMEROUR 
 
RESOURCES: 
 
'l'ime Loans and Discounts----$ Demand Loans--------------United Sta.tes Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Dther Stocks and Bonds-----Furniture and Fixtures------- 
 
47,306.47 none 
25,000.00 none none none 
1,350.00 
 
Banking House--------------- 
 
2,025.00 
 
Other Real Estate Owned___ _ 
 
4,933.22 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
66,086.68 
none 8,176.74 
 
Advances on Other Commodi- 
 
ties ---------------------<:hecks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
50.42 
 
Letters of Credit and Accept- 
 
- - - - - -OotvahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y_-)_--_--_--_--_--_--_--_--_--_---_- 
 
none none none 
 
Total ------------------------$ 154,928.53 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ 
Dividends Unpaid------------Due to Bank.s---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks___________ -C<"rtified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ I.etters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
30,000.00 none 
6,000.00 2,170.43 
none none 81,154.73 none 23,969.72 none 10,078.30 803.71 747.60 none none 
none none none 
4.04 
 
Total ------------------------$ 154,928.53 
 
 20:2 
 
Fom~Tn Ax:-~T.\L REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF NORMAN PARK Norman Park, Ga. 
 
President, :YL D. NORMAN 
 
Vice-President, R. L. XORMAX 
 
Cashier, 0. F. CREECH 
 
RESOURCES: 
 
Time Loans and Discounts----$ 162,990.99 
 
Demand LoanS--------------- 
 
none 
 
United States Securities______ 
 
none 
 
;>tate of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
675.00 
 
Banking House--------------- 
 
3,000.00 
 
Furniture and Fixtures_______ 
 
2, 4 41.9 5 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other A,pproved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
 
8,528.44 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none 1,315.87 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none none 
 
----- 
 
'l'otal ------------------------$ 178,952.25 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit. Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
25,000.00 none 
2~.~0~.0~ 1 j, t 4 t.9a 
none none 29,069.02 none 39,336.84 none none 614.47 none 40,000.0() none 
none 2,183.97 
none none- 
 
Total ------------------------$ 178.952.25. 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF NORRISTOWN Norristown, Ga. 
 
President, JOHN N. YOUMANS 
 
Vice-President, A. L. HORTOX 
 
Cashier, C. J. MANSON 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 18,100.97 Capital Stock Paid In ________ ~ 15,000.00 
 
Demand Loans--------------- 
 
1,240.32 Amount Reserved for Branches 
 
none 
 
United States Securities______ State of Georgia BondS-----Stock in Federal Reserve Bank 
 
none none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
 
none Dividends Unpaid___________ -- 
 
2,007.75 none none 
 
Other Stocks and Bonds______ 
 
none Due to Banks---------------- 
 
none 
 
BFaunrnkiitnugreHaonudseF-i-x-t-u-r-e-s-_-_-_-_-_-_--_ 
 
1,615.60 Deposits Subject to Check___ _ 1,829.58 Demand Certificates of Deposit 
 
6,245.69> none- 
 
Other Real Estate Owned___ _ Due from Federal Reserve 
 
6,604.55 Time Certificate of Deposit_ __ Savings Deposits_____________ 
 
10,785.01 none 
 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
none 
6,486.40 none 
 
Trust Fund Deposits_________ Cashier's Checks____________ _ Certified Checks______________ Bills Payable_________________ Notes and Bills Rediscounted_ 
 
none 
101.95 none none none 
 
Advances on Cotton---------- 
 
231.88 Letters of Credit and Accept- 
 
Advances on Other Commodi- 
 
ances --------------------- 
 
none 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
 
none none 
 
Other Checks and Cash Items- 
 
586.66 Other Liabilities____________ _ 
 
2,555.iiS: 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
none none none 
 
-,----- 
 
~~~o~t~a~l~-=-=-~--~-~-~-~-=-=-~-~--~-~-~-~-=-~-~--~-~-~$~~3~6,~6~9~5-~9~6~=T~o~t~a~l~-~-~-~-=-=-~-~--~-=-=-=-=-=-=--=-=-=-=-=-=-~-=$===3=6_._6__9 5_._9_& 
 
 DEPARTMENT OF BANKIKG 
 
203 
 
STATEMENT Showing Condition at Close of Business Deeember 28, 1923 
of the 
 
BANK OF OCHLOCHNEE 
 
Ochlochnee, Ga. 
 
President, R. SINGLETARY 
 
Vice-President, D. B. ANDERSON 
 
Cashier, A. E. SPEER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 64,183.41 
 
Demand Loans--------------United States Securities______ 
 
3,281.16 200.00 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
3,000.00 
2,144.70 2,400 00 
 
Other Real Estate Owned---Due from Federal Reserve 
 
none 
 
Bank ---------------------Due frbm Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
 
9,630.65 98.95 none 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
1,217.82 none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
0\'aenrcdersaft-s--(-i-f--a-n-y-)-_-_-_-_-_--_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets_________________ 
 
3,950.88 
 
----Total ------------------------$ 90,107.57 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _- _-_- -_ Dividends Unpaid____________ _ 
 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits__________.___ _ 
Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks______________ Bills Payable_________________ 
 
Notes and Bills Rediscounted_ Letters of Credit and Aceept- 
 
RBeoasnnedcrsvese 
 
----~---------------- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities------------- 
 
Total ------------------------$ 
 
15,000.00 none 
5,000.00 1,092.32 
none none 23,279.34 none 33,930.29 10,759.82 none 845.80 none none none 
none none 200.00 none 
90.107.57 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF OGLETHORPE Oglethorpe, Ga. 
 
President, W. H. STEWART 
 
Vice-President, D. P. COOGLE 
 
Cashier, W. E. WILBURN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts--,--$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B--a-n-k-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_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n--y-)---------------------Other Assets----------------- 
 
53,148.75 952.48 none none none 
4,250.00 1,600.00 
100.00 none 
none 
34,061.78 none none 
none none none 
nvne 891.77 20,000.00 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CTraushstierF'sunCd hDecekps_o_s_i_ts_-_-_-_-_-_-_-_-_CBeilrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_- 
Notes and Bill.s RediscountedLetters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
15,000.00 none 
10,000.00 8,180.56 none none 
54,706.50 none 
27,117.72' none none none none none none 
none none none none 
 
Total ------------------------$ 115,004.78 Total ------------------------$ 115,004.78 
 
 20 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
President, L. E. SHEALY 
 
. MACON COUNTY BANK Oglethorpe, Ga. Vice-President, T. C. WEBB Cashier, W. A. BOLES 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia BondS-----Stock in Federal Reserve Bank OBtahnekrinSgtoHeokus saen_d___B_o_n_d__s__________ __ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeauflrtoRm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-_-_-_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------(.."'heclcs for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOvt heer rd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
Total ------------------------$ 
 
80,120.22 none 
250.00 none none none 
2,737.18 2,420.97 2,126.92 
none 
32,020.i;0 300.00 
37,166.53 
4,287.92 635.20 none 
none 44.71 5, 767.82 
167,877.97 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid __.__________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Check~------------ BCi8lrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
15,000.00 none none 82.76 8.00 none 
68,716.00 22,000.00 19,247.79 
none 12,500.00 
. 323.42 none 
30,000.00 none 
none none none none 
 
Total ------------------------$ 167,877.97 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PEOPLES BANK Oliver, Ga. 
 
President, 0. H. MARSH 
 
Vice-President, H. E. EZELL 
 
Vice-President and Cashier, J. I. MARSH 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 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- -_-_ -_ Other Checks and Cash ItemsLetters of Credit and AcceptOOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y_-)_--_--_--_--_--_--_--_--_--_---_- 
Total ------------------------$. 
 
58,557.70 2,335.31 392.96 none none 630.00 1,650.00 900.00 none 
none 
27,833.10 377.50 none 
none 596.70 
none 
none 261.79 
none 
93,535.06 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
3,000.00 659.97 none none 
44,779.34 none 
29,901.79 none none 
193.96 none none none 
none none none none 
93,535.06 
 
 DEPART~IEXT OF BANKIXG 
 
205 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF PALMETTO 
Palmetto, Ga. 
 
President, T. P. BULLARD 
 
Vice-President, J. C. WATKINS 
 
Cashier, J. N. MORRIS 
 
RESOURCES: 
 
Time Loans and Discounts----$ UDne mi t eadn dS tLa toeas nSs e- -c-u-r-i-t i-e-s-_-_-_-_-_- _State of Georgia Bonds______ 
 
60,921.64 1, 729.24 none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_____________ _:_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ 
 
none 92,383.00 
6,000.00 2,157.28 2, 780.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks____ -Advances on Cotton__________ Advances on Other Commodi- 
 
45,253.75 none none 
 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ 
 
none 22.80 none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none none 
 
Cther Assets----------------- 11,364.65 
----- 
Total ------------------------$ 222,612.36 
 
LIABILITIES: 
Capital Stock .Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings DepositS------------Trust Fund Deposits--------Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ Other Liabilities------------- 
 
25,000.00 none none 
902.58 none none 
64,864.43 47,000.00 24,586.96 
none none 258.40 none none none 
none none none 60,000.00 
 
Total ------------------------$ 222,612.36 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS BANK Palmetto, Ga. 
 
President, J. H. BALLARD 
 
Vice-Presidents, R. D. TATUM, B. W. CO'CHRAN Cashier, B. HUDSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 61,540.08 
 
Demand Loans--------------United States Securities______ 
 
4,253.97 1,000.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds___ --- 
 
7,000.00 
 
Banking House--------------Furniture and Fixtures_______ 
 
6,324.79 1,823. 77 
 
Other Real Estate Owned---- 
 
6,900.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
45,240.66 3,287.63 
 
Advances on Cotton---------- 45,000.00 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e------ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y- -) -_-_-_-_-_-_-_-_-_-_-_ 
 
none none 
 
Other 
 
A 
 
sset 
 
s- 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
--- 
 
- 
 
-- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 182,370.90 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities_____________ 
 
35,000.00 none 
7,000.00 3,992.65 
20.00 none 88,640.80 none 47,249.00 none none 468.45 none none none 
none none none none 
 
Total ------------------------$ 182,370.90 
 
 2Q(j 
 
.FouRTH ANNeAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF PARROTT 
Parrott, Ga. 
 
Prcsi<lent, S. J. CARTER 
 
Vice-President, GRAS. F. OXFORD Cashier, ROY PINKSTON 
 
RESOURCES: 
 
Time Loans and Discounts-~$-98;-s-:ro.o5 
 
Demand Loans------------~-United States Securities______ 
 
14,804.50 none 
 
.State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and BondS-----Banking House_______________ 
 
none 2,254.94 
 
.Furniture and Fixtures------Other Real Estate Owned____ 
 
855.10 none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Vue from Other Banks------Advances on Cotton _________ _ 
 
17,505.35 ncne 
4,977.18 
 
Advances on Othtr Commodities ----------------------- 
Checks for Clearing House--~ 
 
none 2,932.63 
 
Other Checks and Cash Items. 
 
ncne 
 
Letters of Credit and Accept O vaenrcdersa f-t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ 
 
none 488.01 
 
Other Assets----------------- 
 
120.00 
 
'Total ------------------------$ 142,577.76 
 
LIABILITU.:S: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable_________________ Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_-_-e-s_ Other Liabilities ____________ _ 
 
15,000.00 
fl(lll 
5,000.00 4,250.31 
none none 47,549.33 8,000.00 52,584.95 none none 193.17 none 10,000.00 none 
none none none none 
 
Total ------------------------$ 142,577.76 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PLANTERS BANK OF PARROTT Parrott, Ga. 
 
President, J. W. TILLEY 
 
Vice-President, H. A. COOK 
 
Cashier, OLLIE B. BALCH 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 76,874.58 
 
Demand Loans--------------United States Securities______ 
 
43,035.85 14,300.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_-_- 
 
450.00 3,449.59 
 
Furniture and Fixtures______ _ 
 
3,935.60 
 
Other Real Estate Owned ___ _ 
 
5,532.53 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-s-_-_-_-_-__--_ 
 
45,896.85 145.05 
 
Advances on Cotton _________ _ 163,913.35 
 
Aavances on Other Commodi- 
 
ties ---- ------------------Checks for Clearing House--- 
 
8,093.61 none 
 
Other Checks and Cash Items. 
 
none 
 
Letters of Creait and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ 
 
none none 
 
Other Assets_________________ 
 
none 
 
----- 
 
Tntal ------------------------~ 365,627.01 
 
LIABILITII<;S: 
Capital Stock Paid In ________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Bank.s________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o_s_i_t_._. ._ Trust Fund Deposits_________ Cashier's Checks_____________ Certified Checks_____________ _ Bills Payable ________________ _ 
Notes and Bills Rediscounted. Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ 
Other Liabilities------------- 
 
25,000.00 none 
12,000.00 1,806.50 none none 
241,677.83 none 
67,355.53 none none 
180.29 none 
10,000.00 none 
none none none 7,606.86 
 
Total ------------------------' 365,627.()_! 
 
 DEPARTME:\'T OF BAXKING 
 
207 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PATTERSON BANK Patterson, Ga. 
 
President, DR. C. L. DAVIS 
 
Vice-President, ROMA THOMAS 
 
Cashier, B. C. W AijKER 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 59,928.15 
 
Demand Loans--------------- 
 
1,000.00 
 
Cnited States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------Furniture and Fixtures______ _ 
 
2,700.00 1,619.50 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Hank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
55,991.04 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvtheerrd 
 
rAafstsse 
 
t(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_- 
 
-_ 
- 
 
- 
 
387.13 
- -no-ne 
 
Total ------------------------~ 121,625.82 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificat<>s of Deposit Time Certificate of DeposiL-Savings Deposits____________ _ TCraus hs ti e Fr ' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------.:-RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
 
15,000.00 none 
6,000.00 2,592.72 
none none 70,693.78 none 27,084.87 none none 254.45 none none none 
none none none none 
 
Total ------------------------~ 121,625.82 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF PAVO 
Pavo, Ga. 
 
President, J. M. BRANNON 
 
Vice-President, B. 0. WOOD 
 
Cashier, HUGH C. FORD 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 149,357.27 
 
Demand Loans--------------United States Securities______ 
 
75.00 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other St 
B~.nking 
 
oHcokus 
 
saen_ 
 
d__ 
 
_B_o__n_d_s_-_-_-_-_- 
 
-_ 
 
none 2,100.67 
 
Furniture and Fixtures_______ 
 
2,948.37 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
12,787.04 none 
 
Advances on Cotton _________ _ 
 
383.26 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
946.77 435.52 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances ------------------ __ Overdrafts (if any)___________ 
 
none 377.63 
 
Other A~sets_________________ 
 
2,305.15 
 
----- 
 
Total ------------------------$ 171,716.68 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks_______________ _ Deposits Subject to Check---De-mand Certificates of D,nosit Time Certificate of DeposiL-Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasenrcvees f-o-r-I-n-t-e-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed____________ _ Other Liabilities_____________ 
 
33,100.00 none 
10,000.00 13,186.49 
none none 36,698.55 none 116,210.99 none none 650.50 none 18,061.97 13,808.18 
none none none none 
 
Total------------------------$ 171,716.68 
 
 208 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PLANTERS BANK Pavo, Ga. 
 
President, JNO. B. WILLIAMS 
 
Vice-President, B. C. REESE 
 
Cashier, H. HUCKABEE 
 
RESOURCES: 
 
Time Loans and Discounts----$ 50,845.61 
 
Demand Loans--------------- 
 
685.00 
 
United States Securities------ 
 
100.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
none 5,071.45 3,000.00 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
12,075.26 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none 224.89 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
Other Assets_________________ 
 
5,065.96 
 
----- 
 
Total ------------------------~ 77,068.17 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks_______________ _ Deposits Subject to Check___ _ Demand Certificates of DepJsit Time Certificate of Deposit_ __ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks____________ _ CBeilrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ Other Liabilities____________ _ 
Total ------------------------~ 
 
15,000.00 none none 
320.02 none none 
24,753.66 10,000.00 25,098.01 
none none 1,S96.48 none none none none none none none 
77,068.17 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the PEARSON BANKING CO. 
Pearson, Ga. 
 
President, H. P. SMITH 
 
Vice-President, J. 0. WHITE Cashier, W. J. TYLER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 189,730.14 
 
Demand Loans--------------- 
 
7,285.46 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------Furniture and Fixtures______ _ 
 
1,985. 75 4,375.12 
 
Other Real Estate Owned___ _ 
 
5,899.21 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton _________ _ 
 
15,949.17 2,082.50 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items- 
 
477.95 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y- -) -_-_-_-_-_-_-_-_-_-_-_ Other Assets_________________ 
 
none 3,744.05 
125.00 
 
----- 
 
Total ------------------------1 231,654.3ii 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks_______________ _ 
Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ &avings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and AcceptHBeoasnnedcrsvese Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities____________ _ 
 
30,000.00 none 
15,000.00 6,779.20 none 
non~ 
55,187.87 none 
61,967.77 none none 
1,254.23 none 
60,000.00 none 
none 1,450.25 
none 15.03 
 
Total ------------------------~ 231,654.~:> 
 
 DEPARTMENT OF BANKING 
 
209 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS BANK OF PELHAM 
 
Pelham, Ga. 
 
President, T. P. HINMAN 
 
Vice-President, B. U. CURR~ 
 
Cashier, B. J. KINCAID 
 
RESOURCES: 
 
LIABILITI.i!:S: 
 
Time Loans and Discounts_.;. __ $ 408,246.09 
 
Demand Loans--------------United States Securities_____ _ 
 
4,000.00 600.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
4,500.00 
 
Other Stocks and Bonds------ 
 
1,950.00 
 
Banking House--------------- 
 
none 
 
Furniture and FixtureS------- 
 
1,499.75 
 
Other Real Estate Owned___ _ 3_~.~08.67 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
21,589.45 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other BankS------- 
 
43,502.75 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o- -u-s-e------ 
 
none 156.56 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
277.56 
 
Other Assets_________________ 94,596.84 
 
----- 
 
Total ------------------------$ 618,327.67 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid------------Due to Bank.s---------------Deposits Subject to Check____ Demand Certificates of Deposit . STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities----~-------- 
Total ------------------------$ 
 
100,000.00 none 
50,000.00 10,257.20 
3,140.00 none 
134,405.27 46,831.41 none 63,982.15 53,823.63 633.51 none 53,900.00 93,454.50 
none none 7,900.00 none 
618,327.67 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PENDERGRASS BANKING CO. 
 
Pendergrass, Ga. 
 
President, P. J. ROBERTS 
 
Vice-President, J. H. A. SIMONS 
 
Cashier, GUY ROBERTS 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds_____ _ 
 
31,907.26 none none none 
 
Stock in Federal Reserve Bank 
 
900.00 
 
Other Stocks and BondS------ 
 
405.00 
 
Banking House--------------- 
 
1,500.00 
 
Furniture and FixtureS------- 
 
2,800.00 
 
Other Real Estate Owned---- 15,646.29 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
2,486.80 
 
serve Agents and Cash in 
 
Vaults ----------------- -Due from Other Banks------- 
 
2, 708.49 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
C htei ecsk s -f-o-r- -C- -l-e-a-r -i n-g- - -H-o- -u-s-e------ 
 
none 396.09 
 
Other Checks and Cash Items_ 
 
t25.10 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f-t s- -(-i-f-a-n-y-)-_-_-_-_-_-_-_- _- -_-_-_ 
 
none 5,066.88 
 
Cther Assets------------------ -10- ,789- .91 
 
Total ------------------------' 74,631. 73 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none 
5,000.00 2,455.81 
none 13.33 13,003.76 none 14,735.83 none none none none 8,000.00 6,423.00 
none none none none 
74,631.73 
 
 210 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
HOUSTON BANKING CO. 
 
Perry, Ga. 
 
President, J. H. DAVIS 
 
Vice-President, A. A. SMOAK 
 
Cashier, S. P. CROWELL 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----BFuanrnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_-_Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------DAudevafnrcoems oOnthCeor ttBoann__k_s_-_-_-_-_-_-_- 
Advances on Other CommodiC htei ecsk s - f-o- r- -C- -l-e-a-r-i n- g- - -H-o-u- -s e- -__- -_ Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_-_ _- _- _- _- -_ 
Other Assets----------------- 
 
Tc.tal - 
 
-~ 
 
88,614.77 1,810.00 
12,887.61 none none 
5,613.82 3,065.18 3,015.64 3,500.00 
none 
53,004.55 114.80 
15,390.30 
none 2,644.92 
none 
none 116.35 2,557.77 
192,335.71 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwteedr e_s_t__a_n_d__T_a_x__e s_ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 2,429.61 
none none 58,421.00 none 18,210.00 5,034.50 51,841.11 399.49 none 26,000.00 none 
none none none none 
 
Total ------------------------~ 192,335.71 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
PERRY LOAN AND SAVINGS BANK 
 
Perry, Ga. 
 
President, R. L. CATER 
 
Vice-President, FRED M. HOUSE'R 
 
Cashier, L. F. CATER 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States SecuritieS-----State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and Bonds-----BFuarnnkiitnugreHaonudsFe-ix--tu--r-e-s-_-_-_-_-_-_-_Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Ad~ances on Other Commodi- . C ' ht 1eecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _-_-_- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
86,102.85 none 
31,740.40 none none none 
5,000.00 12,500.00 3,750.00 
none 
57,951.31 none 
25,640.11 
3,150.20 none 
1,102.84 
none .99 
none 
216,938.70 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o__s_i_t s_-_-_-_-_-_-_-_-_Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed------------Other LiabilitieS------------- 
 
25,000.00 none 
27,500.00 6,230.42 none 4.78 
103,257.92 none 
16,961.45 23,545.58 
3,412.95 1,025.60 
none 10,000.00 
none 
none none none none 
 
Total ------------------------$ 216,938.70 
 
 DEPARTMENT OF BANKING 
 
211 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF PINEHURST Pinehurst, Ga. 
 
President, J. L. LEE 
 
Vice-President, W. E. FORD Cashier, A. M. WILSON 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 80,660.38 
 
Demand Loans--------------- 14,594.94 
 
United St3!tes Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
400.00 1,250.00 
 
Furniture and Fixtures______ _ 
 
2,650.00 
 
Other Real Estate Owned---- 
 
750.00 
 
Due from Federal Reserve 
 
D uBea nf rko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- -e -- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrl:t>sm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
49,237.79 296.26 211.60 
 
Advances on Other Commodi- 
 
ties -- ---------'------------ 
 
2,584.36 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ -_ -_ -_ _- _- _- _- -_ Other Assets_________________ 
- 
 
- 
 
- 
 
none none 
-no-ne 
 
Total ------------------------$ 152,635.33 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ D(mand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_- 
Notes and Bins Rediscounted_ 1.( tters of Credit and Accei:t- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
25,000.00 4, 722.05 none none 
51,943.88 none 
45,030.58 none none 
938.82 none none none 
none none none none 
 
Total ------------------------$ 152,635.33 
 
STATEMENT Showing Condition at CloRe of Business December 28, 1923 
of the 
 
SALZBURGER BANK Pineora, Ga. 
 
President, R. L. ELKINS 
 
Vice-Presidents, F. C. ZITTRAUER, D. H. DIXON Cashier, J. K. WILSON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 73,263.73 
 
Demand Loans--------------United St3!tes Securities______ 
 
2,249.18 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
360.00 
 
BF ua rnnkiitnugr eHaonuds eF-i x- -t-u-r-e-s-_-_-_-_-_-_- -_ 
 
2,950.00 1,780.00 
 
Other Real Estate Owned____ 
 
585.oo 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
29,316.58 
200.00 none 
 
Advances on Other Commodi- 
 
Chteiecsks-f-o--r -C--l-e-a-r-in-g---H-o-u--se--_-_-_ 
 
none none 
 
Other Checks and Cash Items_ 
 
513.45 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- _- _- _- _- _- _- _-_-_-_- -_ 
 
none 501.55 
 
- - - - Other Assets----------------- 
 
none 
 
Total ------------------------$ 111,719.49 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-ts--_-__-_-_-_-_-_-_-_-_-_-_- 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits------------TCraus hs ti e rF' su nCd hDe cekps o_ _s_i t_S_ _- -_-_-_-_-_-_- _- 
BCielrltsi fPi eady aCbhl ee_c_k_ s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedJ,etters cf CreJit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
25,000.00 none 
2,600.00 1,379.34 
none none 58,098.31 none 3,368.47 :20,492.38 1780.99 none none none none 
none none none none 
 
Total ------------------------~ 111,719.49 
 
 212 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF PINEVIEW 
 
Pineview, Ga. 
 
President, L. J. MORGAN 
 
Vice-President, JAMES FAIRCLOTH Cashier, L. J. MORGAN . 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
 
80,583.65 2,088.75 none 
 
State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House_______________ Furniture and Fixtures_______ 
 
none none 2,000.00 1,000.00 2,516.25 
 
Other Real Estate Owned___ _ 19,563.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton _________ _ 
 
1,963.58 4,356.76 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 286.19 
 
Other Checks and Cash Items_ 
 
185.00 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none 909.86 3, 746.66 
 
----Total ------------------------$ 119,199.70 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US ur :rdpilvuisd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ 
CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
15,000.00 none none 
8, 723.21 none 
22,000.00 12,055.73 27,500.00 23,060.43 
llOllQ 
none 360.33 
none 9,000.00 1,500.00 
none none none none 
 
Total ------------~-----------$ 119,199.70 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PITTS BANKING CO. Pitts, Ga. 
 
President, L. 0. BENTON 
 
Vice-President, JAS. M. KING Cashier, A. C. SHEI,L 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckous saen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Elltate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
Advances on Cotton---------Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-ri-n-g--H--o-u-s-e-_-_--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets----------------- 
Total ------------------------$ 
 
58,973.74 none none none none 
2,500.00 450.00 960.00 
6,171.99 
none 
9,188.81 none 
1,829.49 
1,443.63 none none 
none none none 
81,517.66 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Sn.vings Deposits------------CT raus hs ti e rF' su nCdhDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable ________________ _ Notes and Bills Rediscounted_ Letters of Credit :otnd AcceptRBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t_-_-a_-n_-d_-_-T_-a_-x_-_-e-s_ Other Liabilities------------- 
Total ------------------------~ 
 
:05,000.00 none 
15,000.00 11,612.81 
none none 20,503.68 none 9,007.54 none none 393.63 none none none 
none nune none none 
81,517.66 
 
 DEPARTMENT OF BANKING 
 
213 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PLAINS BANK Plains, Ga. 
 
President, R. S. OLIVER 
 
Vice-President, J. A. McDONALD 
 
Cashier, W. L. THOM=A=S ================ 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts___ ~ 395,149.35 
 
Demand Loans--------------United States Securities______ 
 
5,225.76 none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none 2,550.00 
 
Other Stocks and Bonds______ 
 
850.00 
 
Banking House--------------Furniture and Fixtures_______ 
 
none 5,979.36 
 
Other Real Estate Owned---- 
 
2,335.62 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
2,446.93 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton_________ _ 
 
21,944.39 194.95 none 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
none 469.31 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n--y-)---------------------- 
 
none 1,548.15 
 
- - - - Other Assets----------------- 
 
1,967.81 
 
Total ----------------------- $ 440,661.63 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters ::>f Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ 
Other Iuiabllities------------- 
 
50,000.00 none 
35,000.00 17,478.53 
none 3,574.07 150,257.07 
none 91,928.63 
none none none none 10,500.00 81,923.33 
none none none none 
 
Total-----------------------~ 440,661.63 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the BANK OF PLAINVILLE 
Plainville, Ga. 
 
President, W. E. DELLINGER HENLEY 
 
VicePresidents, C. W. MARTIN, L. P. Cashier, F. L. WILLIAMS 
 
RESOURCES: 
 
Tlme Loans and Discounts____ $ 59,218.31 
 
Demand Loans--------------United States Securities______ 
 
1,859.65 none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ 
 
none none 200.00 2,103.53 1,961. 70 
 
Other Real Estate Owned____ 
 
3,350.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
5,839.88 none none 
 
Advances on .Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
180.00 none 
 
Other Checks and Cash Items_ 
 
5.00 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-I-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets_________________ 
 
3,379.10 
 
---- 
 
Total ------------------------$ 78,097.17 
 
LIABILITIES: 
 
Capital Stock Paid In--------$  Amount Reserved for Branches 
Surplus --------------------Urdivided Profits------------Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks-------------Bills Payable_________________ Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ 
Other LiabilitieS------------- 
 
15,000.00 none none 
1,279. 75 none none 
19,326.00 none 
40,260.92 none none 
,230.50 none 
2,000.00 none 
none none none none 
 
Total ------------------------$ 78,097.17 
 
 r 
 
214 
 
FomnH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF PORTAL Portal, Ga. 
 
President, A. A. TURNER 
 
Vice-President, W. S. FINCH 
 
Cashier, R. H. KINGERY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 93,210.03 
 
Demand Loans--------------United States Securities______ 
 
1,746.87 3,000.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
800.00 
 
BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_-_Furniture and Fixtures______ _ 
 
2,525.00 3,500.00 2,829.09 
 
Other Real Estate Owned___ _ 
 
1,214.78 
 
Due from Federal Reserve , 
 
Bank ---------------------- 
 
2,257.30 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
7,857.60 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
CItieecsks -f-o-r--C--l-e-a-ri-n-g---H-o--u-s-e------ 
 
none none 
 
Other Checks and Cash Items- 
 
228.70 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n- -y-)---------------------- 
 
none 156.81 
 
Other 
 
Ass 
 
e 
 
t 
 
s-- 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
----- 
 
- 
 
none 
-- 
 
Total ------------------------$ 119,326.18 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_-_Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit S'l'airvniengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_--------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedcrsvees Bf-oo-rr-r-Io-nw-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ Other Liabilities____________ _ 
 
25,000.00 none 
2,000.00 1,528.29 
none none 46,536.95 none 20,638.11 none none 544.07 none 3,000.00 17,078.76 
ncne none 3,000.00 none 
 
Total ------------------------$ 119,326.18 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF POULON Poulon, Ga. 
 
President, W. I. WILLIS 
 
Vice-Presidents, F. M. KIMBLE, D. F. SUMMER Cashier, H. L. GARY 
 
RESOURCES: 
 
Time Loans and Discounts----$ 78,726.10 
 
Demand Loans--------------United States Securities______ 
 
none 500.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
725.00 2,500.00 
 
Furniture and Fixtures_______ 
 
2,969.52 
 
Other Real Estate Owned___ _ 
 
2,991.93 
 
Due from Federal Reserve 
 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k-s-_-_-_-_-_-_--_ 
 
16,260.80 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
C'htieecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e------ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------OOvt hecrrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none none none 
 
----- 
 
Total ------------------------~ 104,673.35 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ 
Certified Checks-------------Bills Payable----------------~ Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnendrcsvees Bf-oo-rr-rI-on-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_ _-T_-a_-x_-_e- -s_ Other Liabilities____________ _ 
 
15,000.00 none 
5,000.00 626.34 none none 
24,158.37 none 
24,680.07 none none 208.57 none 
30,000.00 5,000.00 
none none none none 
 
Total - ---- -------------------t 104,673.35 
 
 DEPARTMENT OF BANKING 
 
215 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF POWDER ~PRINGS Powder Springs, Ga. 
 
President, S. E. SMITH 
 
Viee-President, M. J. FLORENCE Cashier, J. B. OGLESBY 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United Sta.tes Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
Advances on Other CommodiC ht ei ecsk s - f-o- r- -. C- -l-e-a-r-i n- g- - -H-o-u- s-e- -__- -_ Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ -_ -_ -_ _- _- _- _- -_ 
Other Assets----------------- 
 
142,842.4:2 2,838.29 1,950.00 none none 1,270.00 1,400.00 2,107.80 
37,916.09 
none 
7, 700.39 10,192.60 10,794.65 
none none 1,174.91 
none 662.80 4,905.51 
 
LIABILITIJ!;S: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ 
CTarushsiterF'sunCdhDecekps _o_s_i_ts_-_-_-_-_-_-_-_-_- 
Certified CheckS-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities_____________ 
 
25,000.00 none 
3,500.00 1,451.20 
none 5,547.16 65,522.62 32,500.00 52,815.05 :2,836.58 
none 757.85 none 10,000.0() 6,325.00 
none none 3,500.00 16,000.00 
 
Total ------------------------$ 225,755.46 Total ------------------------$ 225,755.46 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
THE BANK OF PRESTON 
 
Preston, Ga. 
 
President, J. F. LUNSFORD 
 
Vice-President, C. C. TRACY 
 
Cashier, N. E. BULLOCH 
 
RESOURCES: 
 
Time Loans and Discounts----$ 57,025.48 
 
Demand Loans--------------United Sta.tes Securities______ 
 
1,069.28 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OB at hnekri nSgt oHc kosu saen_d_ _ _B_o_ _n_d_s_-_-_-_- __Furniture and Fixtures_______ 
 
none 
2,440.50 3,070.11 
 
Other Real Estate Owned____ 
 
2,166.51 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
20,620.77 55.00 
2,487.55 
 
Advances on Other Commodi- 
 
tie!'! ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none 15.99 
 
- - - - - Other Assets_________________ 
 
5,735.96 
 
'l'otal ------------------------$ 94,687.15 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_ -_ _- _- _- _-_-_-_-_-_- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ SaVings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCi..lrltsifPieadyaCbhlee_c_k__s_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptHBeoasnnedcrsvees Bf-oo-rr-roI-n-w-tee-dr-e_-s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e--_s Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
1,500.00 none none 
2,500.00 30,261.04 12,000.00 23,873.96 
none 4,337.93 
214.12 .10 
5,000.00 none 
none none none none 
94,687.15 
 
 r 
 
216 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
FARMERS BANK Pulaski, Ga. 
 
President, L. H. KINGERY 
 
Vice-President, J. Z. PATRICK 
 
Cashier, JAMES A. GARDNER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 45,924.58 
 
Demand Loans--------------United States Securities______ 
 
624.00 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
5,005.00 1,450.00 
 
Furniture and Fixtures______ _ 
 
1,098.27 
 
Other Real Estate Owned____ 
 
1,500.00 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
10,281.77 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
- - - - - 0Yaenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-_-_-_-_-_~_-_ 
Other Assets_________________ 
 
none none none 
 
Total ------------------------f 65,883.62 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Dep.)sit Time Certificate of Deposit_ __ Savings Deposits_____________ CT ar us hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_Certified Checks-------------Bms Payable------~--------- Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-rIo-n-w-t ee-dr-e-_s-_t-_ _-a_-n_-d_-_-T_-a_-x_-_e- -s_ Other Liabilities_____________ 
Total ------------------------f 
 
25,000.00 none none 
809.73 none none 
21,075.19 none 
18,539.56 none none 
459.14 none none 
none none none none none 
65,883.62 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the THE BANK OF QUITMAN 
Quitman, Ga. 
 
President, S. S. ROUNTREE 
 
Vice-President, H. W. STUBBS 
 
Cashier, H. W. STUBBS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 684,363.33 
 
Demand Loans--------------- 75,571.09 
 
United States Securities------ 53,733.56 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcoksusaen_d___B_o__n_d_s_-_-_-_-_-_- 
 
2,250.00 16,543.54 
 
Furniture and Fixtures______ _ 
 
6,778.50 
 
Other Real Estate Owned___ _ 10,600.00 
 
Due from Federal Reserve 
 
Hank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ 
 
22,720.75 83,419.77 
 
Advances on Cotton---------- 
 
1,046-.46 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g--H--o-u-s-e--__--_ 
 
13,397.20 none 
 
Other Checks and Cash Items- 
 
8,454.17 
 
Letters of Credit and Accept- 
 
- - - - - OOtvahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_-_--_--_--_--_--_--_----_ 
 
none 
179.86 none 
 
Total ------------------------$ 979,058.23 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s_-_-_-_-_-_-_-_-_-_-_-_-_Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-te-e-dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities_____________ 
 
165,000.00 none 
100,000.00 15,559.96 8,250.00 6,513.09 
274,728.95 none 
190,501.35 209,832.32 
none 1,016.59 
12.00 none none 
none none none 7,643.97 
 
Total ------------------------$ 979,058.23 
 
 DEPARTMENT OF BANKI:i>G 
 
217 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the CITIZENS BANK OF RAY CITY 
Ray City, Ga. 
 
President, G. W. VARN 
 
Vice-President, J. H. SWINDLE Cashier, JNO. D. LUKE 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 149,798.17 
 
Demand Loans--------------United States Securities------ 
 
7,740.15 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
3,400.00 '2,652.89 
 
Furniture and Fixtures------- 
 
2,704.09 
 
Other Real Estate Owned___ _ 
 
8,381.21 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Ca,sh in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ 
 
10,585.91 none 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 928.44 
 
Other Checks and Cash Items_ 
 
378.58 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
none 414.23 
 
Other Assets_________________ 
 
107.00 
 
----- 
 
Total ------------------------$ 187,090.67 
 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedReserve for Interest and Taxes Letters of Credit and Accept- 
Boanndcses B-o-r-r-o-w--e-d-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 4,915.26 1,160.00 
none 31,168.79 
5,640.89 86,516.05 
none none 1,275.40 none 26,414.28 none none 
none none none 
 
Total ------------------------$ 187,090.67 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Rebecca, Ga. 
 
President, S. S. YOUNG, SR. 
 
Vice-President, C. S. McCALL 
 
Cashier, J. H. CHILDS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton---------Advances on Other CommodiC 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_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ 
Other Assets----------------- 
Total ------------------------t 
 
56,161.91 none none none none 
225.00 3,608.77 3,869.91 7, 719:96 
none 
5,179.26 2,964.65 
none 
4,044.94 347.70 none 
none none 2, 700.00 
86,822.10 
 
.LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total------------------------~ 
 
15,000.00 none 
12,500.00 1,049.36 
none none 28,838.67 17,000.00 13,046.63 none none 187.44 none 6,500.00 none 
none none none 2, 700.00 
86,822.10 
 
 218 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF REIDSVILLE Reidsville, Ga. 
 
President, R. J. ROGERS 
 
Vice-President, L. P. CONLEY Cashier, W. G. MAUK 
 
RESOURCES: 
 
LIABILITIES: 
 
T'ime Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
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_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-__-_-_-_--_ Other Assets________________ _ 
 
114,487.00 1,091.17 none none none none 4,884.64 1,000.00 none 
none 
7, 789.89 none none 
none 957.45 246.54 
none 400.02 3,359.90 
 
Capital Stock Paid In________ $ .Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ D;vidends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check____ DLmand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
15,000.00 none 
3,000.00 7,680.08 
none 3,000.00 34,008.85 13,000.00 39,035.33 12,260.45 
none 100.70 
none 7,000.00 
none 
none 43,73 none 87.47 
 
Total ~-----------------------1 134,216.61 Total ------------------------$ 134,216.61 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the THE TATNALL BANK 
Reidsville, Ga. 
 
President, J. V. KELLEY 
 
Vice-President, W. R. HENDRICKS Cashier, J. E. NEWTON 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets ________________ _ 
 
189,967.27 1, 715.39 
37,051.49 none none none 
5,000.00 1,000.00 1,805.75 
none 
20,784.16 none 
104.05 
none 613.17 1,192.88 
none 34.89 
ll0J18 
 
Total------------------------$ 259,349.05 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
10,000.00 12,931.05 
none none 61,663.32 none 40,234.30 33,166.43 28,773.82 2, 780.13 none none none 
none none 19,800.00 none 
 
Total ------------------------$ 259,349.05 
 
  DEPARTMENT OF BANKING 
 
219 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the THE FARMERS STATE BANK 
Register, Ga. 
 
President, JAMES RIGGS 
 
Vice-President, J. S. RIGGS 
 
Cashier, JOHN R. GODBEE 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 41,668.28 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
1, 700.00 
 
Banking House--------------Furniture and Fixtures_______ 
 
none 1,500.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
27,337.88 none 
12,749.72 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none none 
 
Other 
 
As 
 
set 
 
s----- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
----- 
 
- 
 
none 
-- 
 
Total ------------------------$ 84,955.88 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsveBfoorrroInwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total ----------------------- $ 
 
15,000.00 none none 
3,198. 72 none none 
34,558.90 none 
30,101.90 none none 55.96 none none 
2,040.40 
none none none none 
84,955.88 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
.RENTZ BANKING CO. Rentz, Ga. 
 
President, 0. D. BARRON 
 
Vice-Presidents, W. E. BEDINGFIELD, H. D. BARRON 
 
Cashier, THERON WOODARD 
 
RESOURCES: 
 
Time Loans and Discounts----~ 21,363.63 
 
Demand Loans--------------United States Securities______ 
 
8,345.32 10,511.34 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
Other Stocks and Bonds ______ Banking House_______________ 
 
none 2,250.00 
 
Furniture and Fixtures_______ 
 
1,616.99 
 
Other Real Estate Owned---- 
 
940.17 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
2,878.14 none 
 
Advances on Cotton__________ 
 
1,958.34 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
421.77 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)---------------------- 
 
none 1,012.17 
 
Other 
 
A 
 
ss 
 
e 
 
ts 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
----------- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 51,297.87 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US ur ,rdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _- _-_- -_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bill.s Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
3,000.00 1,589.33 
none none 24,463.62 none 7,244.92 none none none none none none none none none none 
51,297 ..~ 
 
 T 
 
220 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the REYNOLDS BANKING CO. 
Reynolds, Ga. 
 
President, R. A. HINTON 
 
Vice-President, W. E. MARSHALL 
 
Cashier, L. F. MONTFORT 
 
RESOURCES: 
 
Time Loans and Discounts----$ DUnemiteadndStLatoeasnSse--c-u-r-it-i-e-s-_-_-_-_-_-_State of Georgia Bonds_____ _ 
Stock in Federal Reserve Bank Other Stocks and Bonds___.:_ __ 
Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Ca.sh in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--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_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_0ther Assets_________________ 
 
98,819.93 6,822.38 none none none 1,508.33 3,500.00 3,895.93 613.49 
none 
22,206.11 1,403.60 
22,166.75 
none none 495.49 
none 476.65 1,348.98 
 
Total -------------------------$-1_6_3_,2_5_7-.6-4 
 
LIABILI'l'IES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed------------Other LiabilitieS------------- 
 
25,000.00 none 
15,000.00 3,422.94 none none 
82,688.69 none 
36,707.97 none none 
279.82 none none none 
none none none 158.22 
 
Total ------------------------$ 163,257.64 
 
STATEMENT Showing Condition at Close of Business December 28, J923 
of the 
 
BANK OF REX Rex, Ga. 
 
President, W. C. ESTES 
 
Vice-President, WALTER ESTES Cashier, WALTER ESTES 
 
RESOURCES: 
 
Time Loans and Discounts----$ 37,699.54 
 
Demand Loans--------------United States Securities_____ _ 
 
none none 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------- 
 
1, 750.00 
 
Furniture and Fixtures______ _ 
 
1, 750.00 
 
Other Real Estate Owned____ 13,000.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Ca,sh in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ 
 
3,822.02 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
224.08 
 
Letters of Credit and Accept- 
 
ances ------------------.-~- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
- - - - - Other Assets_________________ 
 
724.66 
 
Total ------------------------$ 58,970.30 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks------------Certified Checks-------------Bills Payable----------~----- Notes and Bi!l.s Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities------------- 
rota! --------------------- ---~ 
 
15,000.00 none 
10,000.00 1,503.35 none none 
13,924.01 none 
3,695.75 none none 2,56 none 
8,500.00 none 
none 338.25 none 6,006.38 
58,970.30 
 
 DEPARTMENT OF BANKING 
 
221 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
RIDNE BANKING CO. Rhine, Ga. 
 
President, J. D. COOPER 
 
Vice-President, J. J. HARRELL Cashier, S. B. BROWN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 70,751.24 
 
UDnemiteadndStLatoeasnSse--c-u-r-it-i-e-s-_-_-_-_-_-_- 
 
none 640.29 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
900.00 
 
Other Stocks and Bonds------ 
 
none 
 
BFuanrnkiitnugreHaonudseF-i-x-t-u-r-e-s-_-_-_-_-_-_--_ 
 
none 2,933.18 
 
Other Real Estate Owned---- 
 
7,800.96 
 
Due from Federal Reserve 
 
 Bank ---------------------- 
 
1,222.11 
 
Due from Other Approved .Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
5, 723.82 500.00 
 
Advances on Cotton---------- 
 
none 
 
Adv&nces on Other Commodi- 
 
Chteiecsks--fo--r -C--l-e-a-r-in-g---H-o--u-s-e------ 
 
987.12 none 
 
Other Checks and Cash Items_ 
 
180.:26 
 
Letters of Credit and Accept- 
 
ances -------------------~Overdrafts (if any)----------- 
 
none none 
 
Other 
 
Assets-- 
 
-- 
 
--- 
 
--- 
 
-- 
 
--- 
 
--- 
 
- 
 
none 
-- 
 
Total ------------------------$ 91,638.98 
 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o--fi-t-s-_-_-_-_-_-_-__-_-_-_-_-_DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit S'l'aimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a--x-e-s Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------' 
 
25,000.00 none 
4,500.00 2, 786.46 
none none 24,813.91 none 9,948.71 none none 227.59 56.59 2,500.00 21,805.72 
none none none none 
91,638.98 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
RICHLAND STATE BANK Richland and Omaha, Ga. 
 
President, JAS. E. FRENCH 
 
Vice-President, R. J. DIXOIN 
 
Cashier, W. L. DeJARNETTE 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other CommodiC 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_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
320,621.90 none none none none 
1,665.00 7,000.00 3.812.13 29,871.20 
none 
30,187.44 18.50 
930.34 
none 1,147.29 
62.50 
none none 16,405.50 
 
Total -------------------------$-4_1_1_,7_2_1-.8-o 
 
LIABILITIJ!]S: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Cel"tificate of DeposiL-Savings DepositB------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and BiUs Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a_-x_-_-e-s_ 
Other Liabilities------------- 
 
50,000.00 15,000.00 10,000.00 ,2,183.85 
none 16,584.97 108.986.99 
8,500.00 90,173.72 12,639.95 
8,617.01 1,425.25 
none 79,025.40 
8,247.78 
none none none 336.88 
 
Total ------------------------$ 411,721.80 
 
 222 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF RINGGOLD 
 
Ringgold, Ga. 
 
President, M .. W. MURPHY 
 
Vice-President, W. H. TRUNDLE 
 
Cashier, OLEN N. MERRITT 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------l}nited States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and BondS------Banking House--------------Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ Advances on Other Commodi-, Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ OthP.r Checks and Cash ItemsLetters of Credit and AcceptO0.tahenercdrersaAfst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_-_--_----_ 
Total ------------------------$ 
 
137,946.96 4,358.57 none none none 3, 725.00 2,139. 7 4 2, 780.03 none 
none 
36,835.21 none none 
none none 139.40 
none 226.69 3,936.65 
192,088.25 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid_____________ Due to Bank.s________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CT raus hs ti e rF' su nCdheDcle<:ps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bi!l.s Rediscounted_ Letters of Credit and Ac<"ept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 9,670.79 
352.00 none 
74,226.01 none 
33,868.59 22,054.55 21,630.61 
285.70 none none none 
none none none none 
 
Total ------------------------$ 192,088.25 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ROBERTA Roberta, Ga. 
 
President, E. L. McGEE 
 
Vice-President, J. E. L. JOHNSON Cashier, .TNO. E. McGEE 
 
RESOURCES: 
 
TDiemmea nLdo a nLso aannsd_ _D_ _i s_c_o_ u_ _n_t_s __ ______$ 
 
37,977.38 2,793.47 
 
United Sta-tes Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stuck in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_-_- 
 
none none 
 
Furniture and Fixtures_______ 
 
1,322.40 
 
Other Real Estate Owned____ 
 
1,214.50 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton _________ _ 
 
9,220.08 none 
1, 708.19 
 
Advances on Other Commodi- 
 
C'htieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
10,748.80 1,685.32 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
587.l! 
 
- - - - - Other Assets----------------- 
 
none 
 
Total ------------------------ 67,257.25 
 
LIABILITIES: Capital Stock Paid In________$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
Total ------------------------ 
 
15,000.00 none 
5,000.00 2,608.49 
none 242.53 30,531.49 
none 13,626.71 
none none 248.03 none none none 
none none none none 
67,257.25 
 
 DEPARTMENT OF BANKING 
 
223 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CRAWFO~D COUNTY BANK Roberta, Ga. 
 
President, ROBT. E. AVERA 
 
Vice-President, BEN F. WALKER 
 
Cashier, W. T. BANKSTON 
 
RESOURCES: 
 
Time Loans and DiscountS----~ 46,881.09 
 
Demand Loans--------------United States Securities------ 
 
8,509.63 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds--- --- 
 
none 
 
Banking House--------------- 
 
2,150.00 
 
Furniture and Fixtures_______ 
 
1,105.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------ADduve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
22,198.75 none 
6,333.48 
 
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- -__- -_ 
 
93.57 875.88 
 
Other Checks and Cash Items- 
 
72.58 
 
Letters of Credit and Accept- 
 
- - - - Ovaenrcdersaft-s--(-i-f-a-n--y)-_-_-_-_-_-_-_-_-_-_-_- 
Other Assets_________________ 
 
none 166.90 none 
 
Total ------------------------$ 88,376.88 
 
LIABILITIES: Ca.pital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-ts-_-_-_-_-_-_-_-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
Total ------------------------$ 
 
15,000.00 none 
6,000.00 131.01 none none 
26,127.48 none 
24,816.61 none 
16,215.18 86.60 none none none 
none none none none 
88,376.88 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ROCHEIJ..E Rochelle, Ga. 
 
President, H. MASHBURN 
 
Vice-President, J. D. FITZGERALD 
 
Cashier, LEROY G. TIPPINS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds------BFuanrnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_-_Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n- -y-)---------------------Other Assets----------------- 
Total ------------------------$ 
 
163,102.43 none none none none none none 
2,453.05 18,279.50 
none 
31,321.65 none 
7,357.62 
none 903.83 
none 
none nane none 
223,418.08 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ 5avings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- RBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities_____________ 
 
25,000.00 none 
25,000.00 6,087.25 none none 
109,556.55 none 
25,274.28 none none none none 
32,500.00 none 
none none none none 
 
Total ------------------------$ 223,418.08 
 
 224 
 
ForRTH ANNeAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF ROCKY FORD 
 
Rocky Ford, Ga. 
 
President, ARTHUR BURKE 
 
Vice-President, W. H. PARKER 
 
Cashier, THOS. PARKER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 103,698.85 
 
Demand Loans--------------- 
 
none 
 
United States Securities-----State of Georgia Bonds______ 
 
none none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
1,500.00 
 
Banking House---------~----Furniture and Fixtures______ _ Other Real Estate Owned____ 
 
1,667. 79 
2,284.26 none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
35,113.21 8,668.15 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_- _- -_ 
 
nnoonnee 
 
Other Assets_________________ 
 
2,000.00 
 
----- 
 
Total ------------------------$ 154,932.26 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
15,000.00 none 
15,000.00 403.40 312.00 none 
71,085.37 none 
52,515.48 none none 
616.01 none none none 
none none none none 
 
Total ------------------------$ 154,932.26 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE ROCKMART BANK Rockmart, Ga. 
 
President, A. H. GRAEFER 
 
Vice-Presidents, S. D. LEE, J. A. FAMBRO 
 
Cashier, H. P. FAMBRO 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 248,758.69 
 
Demand Loans--------------United States Securities______ 
 
5,777. 72 1,000.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock In Federal Reserve Bank Other Stocks and Bonds------ 
 
none ,225.00 
 
Banking House--------------Furniture and Fixtures ______ _ 
 
10,000.00 3,745.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------ADduve afnrcoems oOnthCeor ttBoann__k_s_-_-_-_-_-_-_- 
 
75,571.01 
32,500.00 none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 531.05 
 
Other Checks and Cash Items_ 
 
TIO:l8 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
n11ne 61.31 
 
- - - - - Other Assets----------------- 
 
3,722.54 
 
Total ------------------------f 381,892.32 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__-_--_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvese f-o-r--I-n-t-e-r-e-s-t -a-n-d--T--a-x-e-s Bonds Borrowed------------Other LiabilitieS------------- 
 
30,000.00 none 
10,000.00 6,733.89 56.00 none 
167,328.36 none 
51,791.55 115,922.27 
none 60.25 none none none 
none none none none 
 
Total ------------------------~ 381,892.32 
 
 DEPARTMENT OF BANKING 
 
225 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK Rome, Ga. 
 
President, W. M. HARDY 
 
Vice-President, J. H. 0 'NEILL 
 
Cashier, W. H. FOSTER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 176,532.85 
 
Demand Loans--------------United Sta.tes Securities______ 
 
12,714.86 13,420.88 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n_d_s_-_-_-_-_-_-_Furniture and Fixtures_______ 
 
4,025.90 28,643.75 
2,803.01 
 
Other Real Estate Owned____ 
 
4,220.98 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
IJuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on. Cotton_________ _ 
 
25,194.95 275.18 
none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items- 
 
2,433.99 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none none 
9.86 
 
---- 
 
Total ------------------------$ 270,276.21 
 
Ca.pital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ DIYidends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCraushstieFr'sunCd hDecekps_o_s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedcrsve se Bf-oo-rr-r o-I n-w-tee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_-e-s_ 
Other LiabilitieS------------- 
 
50,000.00 none 
10,000.00 10,240.92 
none none 119,399.15 1,351.94 6,578.36 71,084.64 none 1,621.21! none :qone none 
none none none none 
 
Total ------------------------$ 270,276.21 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
FLOYD COUNTY BANK 
 
Rome, Ga. 
 
President, H. E. KELLEY 
 
Cashier, G. C. BYARS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 310,631.55 
 
Demand Loans--------------- 
 
3,070.00 
 
United States Securities------ 41,750.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 13,007.40 
 
Banking House--------------Furniture and Fixtures_______ 
 
none 2,003.65 
 
Other Real Estate Owned____ 
 
5,200.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
100,821.86 1,007.61 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none 4,542.64 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
336.11 none 
 
----- 
 
Total ------------------------$ 482,370.82 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
Deposits Subject to Check____ 
Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills RediscountedLetters of Credit and Accept- 
 
Rea~nercvees Bonds 
 
Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e- 
 
-s _ 
 
Other Liabilities------------- 
 
50,000.00 none 
7,000.00 5,543.44 
none none 353,287.63 none none 66,206.75 none 33.00 none none none 
none 300.00 
none none 
 
Total ------------------------$ 
 
 226 
 
FouRTH AN~UAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ROOPVILLE Roopville, Ga. 
President, J. W. PENTECOST Cashier, R. E. DEAN 
 
Vice-President, J. T. VEAL 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand LoanS--------------United States Securities______ State of. Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVe-aufrlotsm -O--th--e-r--B-a-n-k--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- -__- -_ Other Checks and Cash Items_ Letters of Credit and Accept- 
 
54,748.93 105.51 none none none none 
2,599.48 2,552.50 4,946.14 
none 
13,232.18 4,000.00 none 
none 608.87 
none 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
7,89n2o.n83e 
 
Other Assets_________________ 
 
4,077.44 
 
---- 
 
Total ------------------------$ 94,763.88 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid------------Due to BankS---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLE:tters of Credit and AcceptReasnercvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
5,000.00 none none none 
60,837.15 1,430.00 9,804.09 none 1,812.17 46.52 none 800.00 none 
none none none 33.95 
94,763.88 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK OF ROSWELL Roswell, Ga. 
 
President, H. P. CARPENTER 
 
Vice-President, C. B. DORRIS 
 
Cashier, C. C. FOWLER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 81,117.91 
 
Demand Loans--------------United States Securities______ 
 
5,664.31 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and BondS------ 
 
none 
 
BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ 
 
none 1, 762.32 
 
Other Real Estate Owned---- 
 
2,922.68 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
40,539.97 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
260.38 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
none 258.92 
 
- - - - - Other Assets----------------- 
 
37.00 
 
Total ------------------------$ 132,563.49 
 
LIABILITmS: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_Certified CheckS-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnendrcsveesBf-oo-rr-roI-n-w-tee-dr-e_-s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e-s-_ Other Liabilities------------- 
 
21,000.00 none 
3,185.70 6,485.11 
none 3,092.98 61,056.29 
none 37,153.03 
none none 590.38 none none none 
none none none none 
 
Total ------------------------$ 132,563.49 
 
 DEPARTMENT OF BANKING 
 
227 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
ROSWELL BANK Roswell, Ga. 
 
President, C. C. FOSTER 
 
Vice-President, J. J. SPALDING Cashier, J. H. FOSTER 
 
RESOURCES: 
 
Time Loans and Discounts----$ 55,510.69 
 
Demand Loans--------------- 11,191.76 
 
u"nited States Securities_____ _ 45,601.70 
 
State of Georgia Bonds______ 
 
none- 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds_____ _ 13,637.50 
 
BFuanrnkiitnugreHaonudseF-i-x-t-u-r-e-s-_-_-_-_-_-_--_ 
 
none 603.39 
 
Other Real Estate Owned___ _ 
 
1,441.87 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-__-_-_-_--_ 
 
173,391.55 none 
 
Advances on Cotton---------- 
 
none 
 
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------ 
 
none 495.42 
 
Other Checks and Cash Items- 
 
1, 718.25 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-__-_-_-_--_ 
 
none 142.78 
 
- - - - Other Assets----------------- 
 
none 
 
Total ------------------------$ 303,734.91 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit .Time Certificate of Deposit_ __ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnendrcsveesBf-oo-rr-roI-nw-t-ee-dr-e_-s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e-s_Other Liabilities_____________ 
 
25,000.00 none 
25,000.00 9,857.67 6.00 none 
182,663.79 none 
55,234.94 none none 
5,815.12 none none none 
none 157.39 none none 
 
Total ------------------------$ 303,734.91 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE FARMERS BANK Royston, Ga. 
 
President, Wm. D. BOWERS 
 
Vice-President,L. N. McWHORTER 
 
Cashier, A. E. REESE 
 
RESOURCES: 
Time Loans and Discounts----$ UDnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds.:._____ BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Ad,ances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i-f -a-n- -y-)---------------------Other Assets----------------- 
Total ------------------------f 
 
176,191.60 none none none none none 
4,216.41 3,159.31 
none 
none 
45,464.21 none 
4,301.58 
none 791.40 
none 
none none none 
1234,124.51 
 
LIABILITIES: 
Capital Stock Paid In________ ~ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ _- _- _-_-_- -_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ STarvuisntgsFuDndepDoseiptoSs-i-ts--_-_-_-_-_-_-_-_-_Cashier's Checks_____________ Certified Checks______________ 
Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasnecrvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
30,300.00 none 
7,500.00 6,683.13 2,440.00 
none 136,945.07 
none 50,007.47 
none none 248.84 none none none 
none none none none 
 
Total ---~---------------------f 1234,124.~ 
 
 228 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
ROYSTON BANK Royston, Ga. 
 
President, LUTHER BOND 
 
Vice-President, R.M. TURNER 
 
Cashier, J. FRANK LEE 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--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_ Letters of Credit and Accept- 
ances --------------------OOtvheerrdrAafstsset(si_f _a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
 
292,075.04 25,227.50 none none 2,700.00 1,480.00 8,240.69 4,305.12 16,057.00 
24,962.60 
28,967.73 none 
7 4,843.21 
3,235.40 24.33 
785.67 
none none 32.36 
 
Total ------------------------1 482,936.65 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ 
I:?ue to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__si_t_-_-_- 
CTarushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks _____________ _ Bills Payable ________________ _ Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-r-Io-nw-t-ee-rd-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ 
Other Liabilities------------- 
 
60,000.00 none 
30,000.00 12,238.48 
70.00 none 249,133.85 none 130,346.68 none none 1,115.93 none none none 
none none none 31.71 
 
Total ------------------------1 482,936.65 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF RUTLEDGE Rutledge, Ga. 
 
President, R. W. WALLACE 
 
Vice-Presidents, M. L. WALLACE, E. C. PONDER 
 
Cashier, THOS PEACOCK 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 97,246.33 
 
Demand Loans--------------United States Securities______ 
 
7,355.43 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------- 
 
1,000.00 
 
Furniture and Fixtures------Other Real Estate Owned___ _ 
 
600.00 22,273.13 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults --------------------ADduve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_--_ 
 
50,840.74 none 
2,010. 76 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
1,107.51 756.64 
 
Other Checks and Cash Items- 
 
6,917.57 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOtvheerrdrAafstsset(sIf__a_n__y_)_-_-_-_-_-_-_-_-.-_-__- 
 
6n32o.n98e 
 
----- 
 
Total ------------------------1 190,741.09 
 
LIABILITil<;S: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CTraushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters. of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
 
50,000.00 none 
25,000.00 none none none 
79,318.12 none 
33,475.00 2,293.58 none 654.39 none none none 
none none none none 
 
Total ------------------------$ 190,741.09 
 
 DEPARTMENT OF BANKING 
 
229 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the THE BANK OF CAMDEN COUNTY 
 
President, C. A. TAYLOR 
 
St. Marys, Ga. Vice-President, G. W. BRANDON 
Cashier, J. F. HUGHES 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 71,610.26 
 
Demand Loans--------------United States Securities______ 
 
5,000.00 4,000.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 3,688.53 
 
Furniture and Fixtures_______ 
 
12,7 44.26 
 
Other Real Estate Owned___ _ 
 
613.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Oth"r Approved Re- 
 
none 
 
serve Agents and Cash in 
 
, a nits -------------------Due from Other Banks_______ Advances on Cotton__________ 
 
20,555.49 1,338.83 none 
 
Advances on Other Commodi- 
 
C htei ecsk s - -f o- r- -C- -l-e-a-r -i n-g- - -H-o-u- s-e- -__- -_ 
 
none 1,507.26 
 
Other Checks and Cash Items_ 
 
628.57 
 
Letters of Credit and Accept- 
 
ances --------------------OO tvheerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none 443.17 none 
 
----- 
 
Total ------------------------f 112,129.37 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
US unrdpilvui sd e d- -P-r-o-f-i-t -s -_-_-_-_-_-_-_ -_ _- _- _- _- -_ 
DDiu>eidteondBs aUnknsp_a_i_d_-__-_-_--_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
15,000.00 none 
10,000.00 173.59 none none 
41,293.63 none 
18,690.41 6, 763.05 none 823.66 none 6,020.00 
13,365.03 
none none none none 
 
Total ------------------------f 112,129.37 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF SALE CITY Sale City, Ga. 
 
President, L. 0. BENTON 
 
Cashier, A. N. HILL 
 
RESOURCES: 
 
Time Loans and DiscountS----~ 11,650.30 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 425.00 
 
Furniture and Fixtures_______ 
 
807.80 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ 
 
6,598.99 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (If any)----------- 
 
none 
 
Other Assets------------------ - -1, 7-50.-86 
 
Total ------------------------$ 21,232.95 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ DPmand Certificates of Deposit Time Certificate of Deposit __ _ i'avings Deposits_____________ Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
Total------------------------$ 
 
15,000.00 none 
117.30 none none none 
5,861.69 none none none none 
253.96 none none none 
none none none none 
21,232.95 
 
 1 
 
230 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CITIZENS BANK Sandersville, Ga. 
 
President, W. A. WRAY, JR. 
 
Vice-President, D. B. MITCHELL, JR. 
 
Cashier, H. I. BRIDGES 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 194,372.19 
 
Demand Loans--------------- 13,836.18 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_--_ 
 
13,000.00 none 
 
Furniture and Fixtures_______ 
 
6,054.62 
 
Other Real Estate Owned___ _ 
 
1,190.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
14,546.41 none 
 
Advances on Cotton__________ 
 
none 
 
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- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_-_--_----_ 
 
none 1,693.25 
none 
 
---- 
 
Total ------------------------$ 244,692.65 
 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ 
 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit 'l'ime Certificate of Deposit__ _ S'avings Deposits_____________ 
 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
 
CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
RBeoasnnedcrsvees 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities------------- 
 
50,000.00 none 
33,818.31 none none none 
44,298.98 none 
27,404.99 none none 
608.20 none 
88,562.17 none 
none none none none 
 
Total ------------------------$ 244,692.65 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PEOPLES BANK 
 
President, W. D. BELL 
 
Sardis, Ga. Vice-President, W. W. HILLIS 
Cashier, M. P. CHANCE 
 
RESOURCES: 
 
Time Loans and Discounts----$ 64,954.89 
 
Demand LoanS--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
950.00 
 
BOathnekrinSgtoHcoksusaen_d___B_o_n__d_S_-_-_-_-_-_- 
 
none 4,825.00 
 
Furniture and Fixtures______ _ 
 
none 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
1, 785.45 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
5,123.98 1,380.88 
16,592.23 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOtvheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_- 
 
_- 
- 
 
- 
 
1,163.16 
- -no-ne 
 
Total ------------------------$ 96,775.59 
 
LIABILITil<:S: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BClelrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_-_-e-s_ Other Liabilities_____________ 
Total ------------------------$ 
 
25,000.00 none 
6,000.00 14,900.64 
none none 40,476.82 none 1, 796.49 none none 469.22 none none 8,132.42 none none none none 
96,775.59 
 
 DEPARTMENT OF BANKING 
 
231 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, C. C. BRIM 
 
BANK OF SASSER Sasser, Ga. 
Cashier, B. H. HILL 
 
Vice-President, J. C. JOINEH 
 
RESOURCES: 
 
Time Loans and Discounts____ f 74,373.44 
 
Demand Loans--------------United States Securities------ 
 
225.00 5,300.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
1, 750,00 
 
Other Stocks and Bonds------ 
 
675.00 
 
Banking House--------------Furniture and Fixtures______ _ 
 
2,192.50 4,000.00 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O- t-h-e- r- -A- -p-p-r-o-v-e-d- -R- e- -- 
 
5,653.03 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
65,685.08 none 
 
Advances on Cotton---------- 
 
472.19 
 
Advances on Other Commodi- 
 
Chtieecsks--fo--r -C--l-e-a-r-in-g--H--o-u--s-e------ 
 
none 81.55 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-if--a-n-y-)--_-_-_-_-_-_-__-_-_~-_ 
 
none 215.19 
 
- - - - - Ot11.er Assets----------------- 
 
none 
 
Total ------------------------~ 160,622.98 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid------------DDueepotsoitsBSaunbkjesc--t -t-o--C--h-e-c-k-_-_-_--_ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified CheckS-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasnecrvese f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
32,500.0~ 
4, 763.36 none none 
90,903.21 none 
7,405.73 none none 50.68 none none none 
none none none none 
 
Total ------------------------~ 160,622.98 
 
 232 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS & SOUTHERN BANK, SAVANNAH, GA. AND ITS BRANCHES 
 
(Consolidated) As Called for by the Superintendent of Banks 
 
PARENT 
 
President, MILLS B. LANE 
 
Vice-Presidents, GORDON L. GROOVER, Wm. 
 
MURPHY 
 
Vice-President and Cashier, W. B. SPANN, JR. 
 
LIBERTY STREET BRANCH, SAVANNAH, GA. 
 
President, MILLS B. LANE 
 
Vice-President, R. L. DENMARK 
 
Vice-President and Cashier, E. L. SCHIRM Assistant Cashier, F. T. NICHOLS, JR. 
 
MARIETTA STREET OFFICE, ATLANTA, GA. President, MILLS B. LANE Executive Manager, W. W. BANKS Vice--Presidents, 
A. M. BERGSTROM, T. C. ERWIN, H. LANE YOUNG, W. V. CROWLEY 
 
Cashier, HENRY S. COHEN 
 
CENTRAL OFFICE, ATLANTA, GA. 
 
President, MILLS B. LANE 
 
Vice-Presidents, A. M. BERGSTROM, HENRY C. 
 
HEINZ, CARL H. LEWIS 
 
Cashier, THO'S. I. MILLER 
 
MITCHELL STREET OFFICE, ATLANTA, GA. 
 
Vice-Presidents, H. S. COHEN, A. .J. S'riTT 
 
Cashier, C. E. SHEPPARD 
 
TENTH STREET OFFICE, ATLANTA, GA. 
 
Cashier, E. T. .JOHNSON 
 
President, MILLS B. LANE 
 
AUGUSTA, GA. Vice-Presidents, I. S. FERGUSON, T. G. TARVER Cashier, H. HAL HILL 
MACON, GA. 
 
President, MILLS B. LANE 
 
Vice-Presidents, E. C. SCOTT, GEO. B. CLARKE 
 
Cashier, A. E. BIRD, .JR. 
 
RESOURCES: 
 
Time Loans and Discounts----$37,368,395.66 
 
Demand Loans--------------- 11,101,063.97 United States Securities______ 144,360.94 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 165,000.00 
 
Other Stocks and Bonds______ 2,025,195.00 
 
Banking House_______________ 680,178.14 
 
Furniture and Fixtures------- 408,582.72 
 
Other Real Estate Owned---- 444,302.69 
 
Due from Federal Reserve 
 
Bank ---------------------- 6,178,485.44 Due from Other Approved Re- 
 
serve Agents and Ca.sh in 
 
Vaults -------------------- 1,811,434.39 Due from Other Banks_______ 5,044,516.81 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House___ 1,727,476.58 
 
Other Checks and Cash Items_ 96,371.8:2 
 
Letters of Credit and Accept- "" 
 
ances -------------------,-- 4,499,597.91 Overdrafts (if any)___________ 32,279.27 
 
Other Assets----------------- 512,363.36 
 
LIABILITHJS: 
 
Capital Stock Paid In______ _:_$ 3,000.000.00 
 
Amount Reserved for Branches 
 
none 
 
Surplus --------------------- 2,500,000.00 Undivided Profits_____________ 335,288.92 
 
Dividends Unpaid_____________ 27,774.00 Due to Banks________________ 11,322,095.86 
 
Deposits Subject to Check____ 21,120,819.31 
 
Domand Certificates of Deposit 
 
none 
 
Time Certificate of Deposit--- 1,465,163.37 
 
Savings 'l'rust F 
 
Deposits-------------1 und Deposits_________ 
 
9'143745 
 
962.97 951.78 
 
Cashier's Checks_____________ 126:114.42 
 
Certified Checks-------------Bills Payable_________________ 
 
62,872.40 none 
 
Notes and Bills Rediscounted_ 7,632,806.02 Letters of Credit and Accept- 
 
ances --------------------- 4,499,597.91 Reserve for Interest and Taxes 321,085.33 
 
Bonds Borrowed------------- 
 
none 
 
Other Liabilities_____________ 215,072.41 
 
Total ------------------------$72,239,604.70 Total ------------------------$72,239,604.70 
 
 DEPARTMENT OF BANKING 
 
233 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS TRUST CO. Savannah, Ga. 
 
President, HUGO I. FRANK 
 
Vice-President, GRAS. P. ROWLAND 
 
Secretary, D. W. ANDREWS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 1,084,185.31 
 
Demand Loans--------------- 213,145.63 
 
United States Securities------ 10,000.00 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 11,250.00 
 
Other Stocks and BondS-----Banking House_______________ 
 
7,015.00 60,000.00 
 
Furniture and Fixtures------- 
 
6,010.31 
 
Other Real Estate Owned____ 
 
none 
 
Due from Federal Reserve 
 
D uBea nf rko m- - -O- t-h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
66,862.21 
 
serve Agents and Cash in 
 
Vaults -------------------DAudve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
129,957.28 20,590.64 none 
 
Advances on Other Commodi- 
 
Chteiecsks--fo--r -C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
none 1,566.48 
 
Other Checks and Cash Items_ 
 
805.83 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
 
990.60 4.15 
 
Other Assets----------------- 643,050.44 
 
Total ------------------------$ 2,255,433.88 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USur rdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks______________ Bills Payable_________________ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
300,000.00 50,000.00 75,000.00 49,383.86 4,221.00 
189,007.86 586,816.59 
4,850.75 38,500.00 441,610.5,2 38,137.71 
720.66 311.62 75,000.00 398,800.49 
990.60 2,082.22 
none none 
 
Total ----------------------~-~ 2,255,433.88 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the EXCHANGE BANK OF SAVANNAH 
Savannah, Ga. 
 
President, A. J. GARFUNKEL 
 
Vice-President, JOHN J. POWERS 
 
Cashier, JNO. J. PO'WERS 
 
RESOURCES: 
 
Time Loans and Discounts----~ 1,674,340.95 
 
Demand Loans--------------- 281,034.47 
 
United States Securities------ 
 
2,800.00 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
Other Stocks and BondS-----Banking House_______________ 
 
2,250.00 none 
 
Furniture and Fixtures------- 170,742.95 
 
Other Real Estate Owned---Due from Federal Reserve 
 
66,810.95 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
 
285,048.24 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House___ 
 
none none 
 
Other Checks and Cash Items_ 
 
8,862.96 
 
Letters of Credit and Accept- 
 
ances ------------------- __ Overdrafts (if any)___________ 
 
none 1,098.33 
 
Other Assets----------------- 
 
none 
 
'l'otal ------------------------ ~ 2 49 2, 988.85. 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dhidends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-~a vings Deposits____________ _ 
CTraushstierF'sunCd hDecekps_o_s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
RBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e_-s_-t_- _-a_-n_-d_-_-T_-a_-x_-_e- -s_ Other Liabilities_____________ 
 
250,000.00 none 
100,000.00 4:2,687.37 3,943.00 35,723.58 
813,759.93 332,196.68 
6,500.00 856,021.96 
none 137.06 1,356.02 
none none 
none 9,050.00 
none 41,613.25 
 
Total ------------------------ t 2 49 2,9 8~ 
 
 234 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of 'the 
 
GEORGIA STATE SAVINGS ASSOCIATION 
 
Savannah, Ga. 
 
President, HENRY BLUN 
 
Vice-President, J. F. BUCKNER 
 
Secretary, E. B. PATRICK 
 
RESOURCES: 
 
Time Loans and Discounts----$ 4,344,281.73 
 
Demand Loans--------------- 15,419.33 
 
United States Securities------ 72,2!1.4.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 10,000.00 
 
Banking House--------------- 75,000.00 
 
Furniture and Fixtures_______ 
 
1,312.95 
 
Other Real Estate Owned____ 66,137.53 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-__-_-_-_-_--_ Advances on Cotton__________ 
 
739,510.94 none none 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
none 
 
Checks for Clearing House--- 
 
864.01 
 
Other Checks and Cash Items_ 
 
898.00 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-_-__-_-_-_--_ 
 
none none 
 
Other Assets----------------- 
 
631.25 
 
Total ------------------------$ 5,326,349.74 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ 325,000.00 
 
Amount Reserved for Branches 
 
none 
 
Surplus --------------------- 325,000.00 
 
DUinvdidiveinddesd UPnrpoafiidtS__-_-_--_-_-_-_-_-_-_-_-_- 
 
312,809.13 none 
 
Due to Banks---------------- 
 
none 
 
Deposits Subject to Check___ _ 
 
none 
 
Demand Certificates of Deposit 
 
none 
 
Time Certificate of Deposit-__ 2,591,508. 71 
 
Savings DepositS------------- 1,666,385.34 
 
Trust Fund Deposits--------- 
 
none 
 
Cashier's Checks------------- 
 
1,278.75 
 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
 
3,348. 75 none 
 
Notes and Bills Rediscounted_ 
 
none 
 
Letters of Credit and Accept- 
 
Reasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x--e-s 
 
none 44,375.33 
 
Bonds Borrowed------------- 
 
none 
 
Other Liabilities------------- 56,643.73 
 
Total ------------------------$ 5,326,349. 74 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
LIBERTY BANK AND TRUST CO. 
 
Savannah, Ga. 
 
President, HENRY BLUN 
 
Vice-President, HAL H. BACON 
 
RESOURCES: 
 
Time Loans and Discounts----$ 1,766,285.82 
 
Demand Loans--------------- 469,466.26 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 19,500.00 
 
Other Stocks and Bonds------ 740,742.89 Banking House_______________ 250,000.00 
 
Furniture and Fixtures_______ 
 
none 
 
Other Real Estate Owned---- 41,682.61 
 
Due from Federal Reserve 
 
Bank ---------------------- 151,625.31 Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
272,556.44 70,886.54 none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items- 
 
4,181.48 
 
Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
 
none 5,969.91 
 
Other Assets----------------- 
 
638.41 
 
Total ------------------------$ 3,793,535.67 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ 300,000.00 
 
Amount Reserved for Branches 
 
none 
 
SUunrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
 
350,000.00 203,862.02 
 
Dividends Unpaid------------- 
 
1,253.00 
 
Due to Banks---------------- 360,151.95 Deposits Subject to Check___ _ 1,124,720.31 
 
Demand Certificates of Deposit 71,911.71 
 
Time Certificate of Deposit- __ 248,840.82 
 
Savings Deposits------------- 1,088,235.52 
 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
 
none none 
 
BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
992.19 none 
 
Notes and Bills Rediscounted_ 
 
none 
 
Letters of Credit and Accept- 
 
RBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-t ee- d-r e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
 
none none none 
 
Other LiabilitieS------------- 43,568.15 
 
Total --- ---------------------~ 3, 793,535.67 
 
 DEPARTMENT OF BANKING 
 
235 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
SAVANNAH BANK AND TRUST CO. Savannah, Ga. 
 
President, COURTNEY THORPE JOHN J. CORNELL 
 
Vice-Presidents, M. D. P APY, F. W. CLARKE, Cashier, C. W. COOLIDGE 
 
RESOURCES: 
 
Time Loans and Discounts----* 3,665,457.79 
 
Demand Loans--------------- 2,348,453.78 
 
United States Securities------ . 2,370.50 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 42,000.00 
 
Other Stocks and Bonds------ 396,668.75 
 
Banking House--------------- 518,535.55 
 
Furniture and Fixtures_______ 
 
none 
 
Other Real Estate Owned---- 11,016.47 
 
Due from Federal Reserve 
 
Hank ---------------------- 294,286.82 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-__-_-_-_-_--_ Advances on Cotton__________ 
 
681,627.65 271,177.49 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
1,675.63 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n- -y-)-------- --------------- 
 
685,190.32 6,358.99 
 
Other Assets----------------- 
 
none 
 
Total ------------------------~ 8,924,819. 74 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ 700,000.00 
 
Amount Reserved for Branches 
 
none 
 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _-_-_- -_ Dividends Unpaid_____________ Due to Banks________________ 
 
700,000.00 
194,531.02 123.50 
774,205.87 
 
Deposits Subject to Check___ _ 2,356,305.45 
 
Demand Certificates of Deposit 51,000.00 
 
STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_- 
 
71,242.20 1,499,050.44 
 
TCraus hs ti e rF' su nCdh eDc ke,pa o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
 
139,110.07 none 
 
Certified CheckS-------------- 36,214.74 
 
Bills Payable----------------- 700,000.00 Notes and Bills Rediscounted- 1,009,552. 72 Letters of Credit and Accept- 
 
Reasnecrvees 
 
-------------------~- 
for Interest and Taxes 
 
Bonds Borrowed------------- 
 
Other LiabilitieS------------- 
 
619,645.06 none none 
73,838.67 
 
Total ------------------------~ 8,924,819. 7 4 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the WAGE EARNERS SAVINGS BANK 
Savannah, Ga. 
President, L. E. WILLIAMS Vice-Presidents, SOL C. JOHNSON, J. W. JAMERSON Cashier, R. A. HARPER 
 
RESOURCES: 
 
Time Loans and Discounts----$ DUenmiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f-a-n-y--) -_-_-_-_-_-_-_-__-_-_ 
Other Assets----------------~ 
 
78:2,439.55 none 
31,138.80 none none 
159,975.00 86,212.23 10,554.48 29,278.86 
none 
21,711.14 none none 
none 3,802.26 
403.36 
none none none 
 
Total ------------------------$ 1,125,515.68 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of D,posit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CTraushstierF'sunCd hDecekps_o_s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-tee-d-r e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
 
50,000.00 none 
25,000.00 6,818.09 633.60 none none none 
243,500.00 713,555.98 
none 959.49 657.57 83,500.00 
none 
none 890.95 
none none 
 
Total ------------------------$ 1,125,515.68 
 
 ~~- 
 
~-- 
 
~~ 
 
~~ 
 
~ 
 
- 
 
~--~ 
 
236 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF SCOTLAND 
 
Scotland, Ga. 
 
~resident, E. H. HERMANN 
 
Vice~President, J. T. ELDER 
 
Cashier, H. G. McALLISTER 
 
RESOURCES: 
 
LIABILITil!;S: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
VuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Othr Commodi- 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ Other Checl<s and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f -t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ Other Assets_________________ 
 
97,790.36 3,275.00 none 633.55 none none 3,459.56 2,243. 76 4,874.85 
none 
41,004.92 none none 
none none 95.80 
none 4,894.61 
none 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
RBeoasnnedrcsveesBf-oo-rr-rIo-n-w-tee-dr-e_-s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e-s-_ Other Liabilities_____________ 
 
125,000.00 none 
5,000.00 14,583.57 
none none 60,300.32 none 53,231.25 none none 157.27 none none none 
none none none none 
 
Total ------------------------~ 158,272.41 Total ------------------------~ 158,272.41 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Senoia., Ga. 
 
President, R. L. HARDY Vice-Presidents, C. C. McKNIGHT, L. L. HUTCHINSON, 
 
R. W. FREEMAN 
 
Ca.shier, H. G. HUTCHINSON 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------United States Securities-----State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_-_Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a--n-k-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_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ 
Other Assets----------------- 
Total ------------------------f 
 
131,668.60 95,545.56 none none none 2,159.07 1,000.00 none 32,850.63 
none 
75,025.15 none 
21,679.24 
none none 2,848.77 
none none none 
362,777.02 
 
LIABILITil!;S: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwt ee dr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other LiabilitieS------------- 
 
50,000.00 none 
50,000.00 21,575.35 
124.00 none 
131,925.22 none 
108,540.14 none none 
612.31 none none none 
none none none none 
 
Total ------------------------i 362,777.~ 
 
 DEPARTMENT OF BANKING 
 
237 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
CITIZENS BANK 
 
President, D. N. HARVEY 
 
Shady Dale, Ga. Vice-President, J. H. YOUNG 
Cashier, 0. H. BANKS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 36,898.12 
 
Demand Loans--------------United States Securities______ 
 
10,043.73 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
none none 7,168.99 
 
Other Real Estate Owned---- 
 
2,000.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
 
14,016.09 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g--H--o-u-s-e-_-_--_ 
 
none 206.50 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------Other Assets_________________ 
 
none none 405.00 
 
----Total ------------------------$ 70,738.43 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e--s_ Other Liabilities------------- 
Total ------------------------$ 
 
30,000.00 none none 
1,403.21 none none 
20,247.45 none 
14,866.50 none 
550.24 1,021.03 
none 2, 65e.oo 
none 
none none none none 
70,738.43 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF SHARON Sharon, Ga. 
 
President, J. W. FALLIN 
 
Vice-President, W. R. MOORE Cashier, 0. G. STONE 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 80,495.45 
 
Demand Loans--------------- 
 
3,000.00 
 
United States Securities______ 
 
2,000.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks artd Bonds______ 
 
none 
 
Banking House--------------Furniture and Fixtures_______ 
 
none 735.00 
 
Other Real EHtate Owned____ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
60,528.52 none 
433.37 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 462.18 
 
Other Assets----------------- 
 
none 
 
----- 
 
Total ------------------------$ 147,654.52 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _- _-_- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable _________________ 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
15,000.00 none 
,23,000.00 15,022.20 
none none 66,578.17 none 128,054.15 none none none none none none 
none none none none 
 
Total ------------------------~ 147,654.52 
 
 238 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
President, J. R. COLE 
 
SHARPSBURG BANKING CO. Sharpsburg, Ga. Vice-President, J. C. HARRIS 
 
Cashier, L. S. McLEAN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts..$ 27,055.94 
 
Demand LoanS--------------- 
 
557.05 
 
United States Securities...... 
 
none 
 
State of Georgia Bonds..... 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o_n_d__s______ 
 
none 1,598.36 
 
Furniture and Fixtures..... 
 
1,222.22 
 
Other Real Estate Owned... 
 
none 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- e- -- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------- 12,7 52.79 
 
DAudve afnrcoems oOnthCeor tBtoann_k__s_._._._._-_-_- 
 
615.75 none 
 
Advances on Other Commodi- 
 
Chteiecsks--fo--r -C--l-e-a-r-in-g---H-o-u--se--.-.-. 
 
1,982.33 none 
 
Other Checks and Cash Items. 
 
15.14 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_-_--_--_--_--_---_- 
 
none 201.88 none 
 
----- 
 
Total ------------------------~ 46,001.46 
 
Capital Stock Paid In.......$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check.. Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o_s_i_L___ CT raus hs ti e rF' su nCd hDe cekps o__s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted. Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r Io-n-w-t ee-dr-e.- s-.t-_-_a-_n-_d_- _-T_-a_-x_-_e- -s_ Other Liabilities.._______ _ 
Total ------------------------f 
 
15,000.00 none 
10,000.00 491.80 none none 
20,276.98 21:2.24 none none none 20.44 none none none 
none none none none 
46,001.46 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
SHELLMAN BANKING CO. Shellman, Ga. 
 
President, W. J. OLIVER 
 
Vice-President, JAS. M. WOOTEN Cashier, T. R. ARTHUR 
 
RESOURCES: 
 
T'ime Loans and Discounts..t 91,509.87 
 
Demand Loans--------------- 
 
1,213.90 
 
United States Securities...... 
 
5,000.00 
 
State of Georgia Bonds..... 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds 
 
450.00 
 
Banking House..----------- 
 
6,117.09 
 
Furniture and Fixtures------- 
 
3, 796.00 
 
Other Real Estate Owned.. 
 
none 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann_k_s_._.__._._._._. 
 
26,696.54 
3,223.83 19,692.94 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r-i n- g- - -H-o-u- s-e- -. -. -. 
 
none none 
 
Other Checks and Cash Items. 
 
270.00 
 
Letters of Credit and Accept- 
 
ances--------------------- 
 
none 
 
OOvtheerrd 
 
rAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_--_ 
- 
 
- 
 
797.64 
- -no-ne 
 
Total ------------------------$ 158,767.81 
 
LIABILITIES: 
Capital Stock Paid In........$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_-_Dividends Unpaid..__________ _ Due to Banks________________ Deposits Subject to Check.... Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_CT raus hs ti e rF' su nCd hDe cekps o__s_i_t s_-_-_-_-_-_-_-_-_Certified Checks..___________ _ Bills Payable________________ _ Notes and Bills Rediscounted. Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e- -s_ Other LiabilitieS------------- 
 
25,000.00 none 
26,000.00 4,671.15 none none 
81,291.34 none 
20,577.45 none none 
1,227.87 none none none 
none none none none 
 
Total ------------------------$ 158,767.81 
 
 DEPARTMENT OF BANKING 
 
239 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF SILOAM 
 
Siloam, Ga. 
 
President, JNO. F. HOLDEN 
 
Vice-President, J. B. DALVIN 
 
Cashier, W. M. REYNOLDS 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 50,617.10 
 
Demand Loans--------------- 
 
none 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
BFuanrnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_-_- 
 
2,500.00 1,500.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
Vaults ------------------ -Due from Other Banks------- 
 
27,204.46 10,000.00 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
C htei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - H- -o-u- s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
53.50 
 
Letters of Credit and Accept- 
 
- - - - - o,aenrcdersaft-s--(-I-f -a-n-y-)--_-_-_-_-__-_-_-_-_--_ 
Other Assets_________________ 
 
none 
<234.00 none 
 
Total ------------------------$ 92,109.06 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ D:vidends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits ___________.__ TCraushstieFr'us nCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsveBfoorrroInwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities_____________ 
Total ------------------------$ 
 
15,000.00 none 
10,000.00 10,267.77 
12.00 none 36,809.17 none 20,020.12 none none none none none none 
none none none none 
92,109.06 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, W. A. JONES 
 
BANK OF SMITHVILLE Smithville, Ga. Vice-President, W. BOWEN 
Cashier, A. P. LANE 
 
RESOURCES: 
 
Time Loans and Discounts____ , 60,673.47 
 
Demand Loans--------------- 
 
1,604.29 
 
United States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
4,500.00 
 
BFuarnnkiitnugreHaonudsFe-ix--tu--r-e-s-_-_-_-_-_-_-_- 
 
2,000.00 2,977.69 
 
Other Real Estate Owned---- 
 
3,640.35 
 
Due from Federal Reserve 
 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r- B--a-n-k-s-_-_-_-_-_-_--_ 
 
9,688.77 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
C htei ecsk s -f-o-r- -C- -l e- -a-r i-n-g- - H- -o-u-s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
837.90 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
334.58 
 
- - - - - Other Assets----------------- 
 
4,943.65 
 
Total------------------------$ 91,200.70 
 
* LIABILITIES: 
Capital Stock Paid In________ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-t ee-dr-e_- s_- t_- _-a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities____________ _ 
 
25,000.00 none 
5,000.00 450.87 none none 
31,277.01 none 
27,836.24 none none 
1,636.58 none none none 
none none none none 
 
Total -------~---------------$ 91,200.70 
 
 240 
 
:FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF SMYRNA 
 
Smyrna, Ga. 
 
President, J. GID MORRIS 
 
Vice-President, J. W. RIDLEY 
 
Cashier, G. W. TATUM 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ 8tate of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds______ 
BFuanrnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_-_Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items. Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-__--_ Other Assets_________________ 
 
140,372.95 none none none none 
3,000.00 2,409.31 2,805.43 6,177.41 
none 
9,147.70 3,338.95 
none 
none none none 
none 160.96 2,820.18 
 
'I'otal ------------------------$ 170,232.89 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-__-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit. __ Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted. Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
 
16,300.00 none 
4.000.00 4,022.82 
none none 45,023.14 none 48,638.19 47,157.57 none 91.17 none 5,000.00 none 
none none none none 
 
Total ------------------------$ 170,232.89 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE BANK OF SOPERTON 
 
Soperton, Ga. 
 
President, N. L. GILLIS, SR. 
 
Vice-Presidents, J. B. O'CONNER, M. B. GILLliS 
 
Cashier, J. E. HALL 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 207,863.51 
 
Demand Loans--------------United States Securities______ 
 
8,690.10 195.82 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none 1,500.00 
 
Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ 
Other Real Estate Owned ___ _ 
 
450.00 14,000.00 
4,490.00 9,885.91 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
14,402.98 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
60,390.28 
none 22,756.93 
 
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. Letters of Credit and Accept" 
 
none none 876.98 
 
ances --------------------Overdrafts (if any)___________ 
 
non~ 
112.07 
 
- - - - - Other Assets----------------- 
 
638.50 
 
'l'otal ______________________.__$ 346,253.0~ 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches 
US unrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid ___________ ... Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o_s_i_t______ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks _____________ _ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
25,000.00 none 
25,000.00 
5,011.~S 
:24.00 
ll0tl8 
122,687.77 none 
158,770.28 6,1 !!5.75 none 2.448.30 none none none 
flf}ll8 
none none 1.115.00 
 
Total ------------------------$ 346,253.08 
 
 DEPARTMENT OF BANKING 
 
241 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PEOPLES BANK OF SOPERTON 
 
Soperton, Ga. 
 
President, W. T. McCRIMMON 
 
Vice-President, B. A. ROWE 
 
Cashier, R. E. WARD 
 
RESOURCES: 
 
DT iemmea nLdo a Ln so aannsd_ _D_ _i s_c_o_u_ _n_t _s __ ______ $ 
United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_-_- 
Furniture and Fixtures------Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advanc"ls 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- -__- -_ Other Checks and Cash Items_ Letters of Credit and Accept- 
O0>tahenercdrersaAfst-ss-e-t(s-if-__-a_-n_-_-y_-)_--_--_--_--_--_--_--_--_--_---_- 
 
109,956.02 6,809.97 1,400.00 none none 3,225.00 1,650.00 1,625.00 2,108.34 
none 
17,612.49 none 
5,093.41 
none none 885.30 
none 49.79 4,004.49 
 
Total ------------------------$ 154,419.81 
 
LIABILITIES: 
Capital Stock Paid In________ , Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ Cashier's Checks_____________ 
Certified CheckS-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds . Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
3,000.00 1,647 0 71 
none none 61,359.17 none 62,213.33 10,944.65 none 254.95 none none none 
none none none none 
 
Total ------------------------$ 154,419.81 
 
STATEMENT Showing Condition at Close of Business December 28,- 1923 
of the 
 
BANK OF SPARKS Sparks, Ga. 
 
President, S. G. ETHRIDGE 
 
Vice-President, N. D. SINCLAIR 
 
Cashier, BENJ. F. GARY 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D_i_s_c_o_u_n_t_s_-_-_-_-_~ 
 
184,525.35 6,630.85 
 
United States Securities______ State of Georgia Bonds______ 
 
none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ 
 
none 360.00 
3,300.00 
4,325.25 
 
Other Real Estate Owned___ _ 
 
5,:240.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
18,529.72 none none 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ 
 
2,020.28 none 
 
Other Checks and Cash Items_ 
 
1,306.77 
 
Letters of Credit and Accept- 
 
- - - - - OOvtahenercrdersAafst-ss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_-_--_--_----_ 
 
none none none 
 
Total ------------------------$ 226,238.22 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Creeks_____________ 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
25,000.00 none 
5,000.00 311.17 none 123.81 
80,403.87 none 
72,312.72 none none 
986.65 100.00 42,000.00 
none 
none none none none 
 
Total ------------------------$ 226,238.22 
 
 242 
 
Fomnu ANN(TAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
SPARTA SAVINGS BANK Sparta, Ga. 
 
President, R. A. GRAVES 
 
Vice-Presidents, R. E. WHEELER, C. S. DUGGAN Cashier, M. G. POUND 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 150,939.38 
 
Demand Loans--------------- 17,151.08 
 
United States Securities______ 
 
none 
 
State of Georgia Bo'nds______ 
 
none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures______ _ 
 
none 
405.00 none 2,987.38 
 
Other Real Estate 'Owned____ 
 
4,080.00 
 
Due from Federal Reserve Bank ----------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ 
 
21,370.56 none 
 
Advances on Cotton__________ 
 
3,395.15 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ 
 
3,339.18 none 
 
Other Checks and Cash Items_ 
 
1,810.28 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets------------------ -2- ,468- .45 
 
-To-t-al--------------------------$ 207,946.46 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCinlltsifiPeadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total _ ------------------------$ 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
25,000.00 none 
5,000.00 none none none 
85,964.44 none 
16,444.11 12,416.43 11,893.85 
2,346.65 none 
16,200.00 5,400.00 
none none none 27,280.98 
207,946.46 
 
THE EXCHANGE BANK OF SPRINGFIELD Springfield, Ga. 
 
President, B. K. SHEAROUSE 
 
Vice-President, P. R. KITTLES 
 
Cashier, J. M. MARCHMAN 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
 
56,016.20 none none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank BOathnekrinSgtoRcokus saen_d___B_o__n_d_s_-_-_-_-_-_- 
 
none none 2,500.00 
 
Furniture -and Fixtures------Other Real Estate Owned---- 
 
1,000.00 475.50 
 
Due from Federal Reserve Bank ---------------------- 
Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
22,759.95 none none 
 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ 
 
none none 
1,628.04 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 329.42 
 
Other Assets------------------ - -2,6-82.-29 
 
Total ------------------------f 87,391.40 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _PC-Pi l,lrst i fPi eady aCbhl ee_c_k_ _s_-_-_-_-_- _- _- _- _- -_------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------1 
 
15,000.00 none none 
882.83 none none 
31,945.22 none 
33,584.85 5,539.36 none 439.14 none none none 
none none none none 
87,391.40 
 
 DEPARTMENT OF BANKING 
 
243 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF STAPLETON 
 
Stapleton, Ga. 
 
President, DAVID DENTON 
 
Vice-President, JAS. STAPLETON 
 
Cashier, J. C. KILGORE 
 
RESOURCBS: 
Time Loans and Discounts____ $ Demand Loans_______________ United States Securities______ State of Georgia Bonds______ S1 ock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ Advances on Other Commodities --~-------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
Total ------------------------1 
 
~8.97 4.28 8,500.00 1,650.00 none none none 2,500.00 3,665.00 3,200.00 
none 
32,129.74 34,500.00 
none 
none none none 
none 132.53 3,106.35 
168,357.90 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-ts--_-__-_-_-_-_-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills RediscountedLetters of Credit and AcceptReasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other LiabilitieS------------- 
 
15,000.00 none 
5,000.00 3,612.81 
none none 96,430.27 none 47,915.55 none none 399.27 none none none 
none none none none 
 
Total ------------------------1 168,357.90 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF STATESBORO 
 
Statesboro, Ga. 
 
President, S. C. GROO'VER 
 
Vice-President, E. L. SMITH 
 
Cashier, J. 0. JOHNSTON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 466,935.18 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds_____ _ 
 
18,570.41 
116,700.00 none 
 
Stock in Federal Reserve Bank 
 
5,250.00 
 
BOathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_--_-_-_--_ Furniture and Fixtures_______ 
 
25,790.00 30,000.00 
5,834.30 
 
Other Real E-state Owned____ 
 
9,850.29 
 
Due from Federal Reserve 
 
9ank ---------------------Due from Other Approved Re- 
 
32,165.92 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
84,194.08 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none none 
 
Other Checks and Cash Items- 
 
4,364.18 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none 286.98 
 
Other 
 
A 
 
ssets 
 
-- 
 
-- 
 
- 
 
-- 
 
-- 
 
--- 
 
-- 
 
--- 
- 
 
-2-0,5-24.-08 
 
Total ------------------------$ 820,465.42 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks----------'--BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances -------------------~RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
100,000.00 none 
75,000.00 9,625.26 1,586.67 none 
284,395.54 none 
343,205.13 none none 
1, 704.64 none none none 
none none none 4,947.58 
 
Total ------------------------$ 820,465.42 
 
 244 
 
Fol7RTH ANNrAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
SEA ISLAND BANK 
 
Statesboro, Ga. 
 
President, R. F. DONALDSON 
 
Vice-President, S. L. MOORE 
 
Cashier, J. G. WATSON 
 
RESOURCES: 
 
Time Loans and Discounts----~ 447,049.55 
 
Demand Loans--------------- 126,066.55 United States Securitics______ 27,050.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 28,588.00 
 
Banking House--------------Furniture and Fixtures_______ 
 
33,000.00 4,000.00 
 
Other Real Estate Owned___ _ 26,731.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
60,172.80 none none 
 
Advances on Other Commodi- 
 
ties _ ----------------------Checks for Clearing House __ _ 
 
2,779.56 731.73 
 
Other Checks and Cash Items_ 
 
447.65 
 
Letters of Credit and Accept- 
 
Ovtv.ahencrcrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_-_--_--_--_--_--_----_ 
 
none 824.67 
none 
 
----- 
 
Total ------------------------~ 757,441.51 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-te-e-dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
Total ------------------------f 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
50,000.00 none 
50,000.00 27,112.69 
none none 293,020.90 none 255,051.71 18,210.19 none 2,386.02 10.00 40,000.00 none 
none none 21,650.00 none 
757,441.51 
 
President, L. 0. BENTON 
 
BANK OF STATHAM Vice-President, C. B. CHAMBERS 
 
Cashier, B. H. GRANT 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 158,214.80 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
1,350.00 none none 
 
Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ 
 
none :2,170.00 1,900.00 3,045.00 18,800.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ .Advances on Cotton __ _: ______ _ 
 
34,907.89 none 
242.80 
 
Advances on Other Commodi- 
Chteiecsks-f-o--r -C--l-e-ari-n-g--H--o-u-s-e--__--_ Other Checks and Cash Items_ 
 
34.40 72.44 687.77 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets----------------- 
 
5,013.21 
 
---- 
 
Total ------------------------$ 226,438.31 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits--.----------CT ar us hs ti e rF' su nCd hDe cekpso_ _s_i t_S_ _- -_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnercvees f-o-r--In--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
40,000.00 none 
8,000.00 4,244.57 
none none 84,892.26 none 86,234.79 none 2, 935.67 131.02 none none none 
none none none none 
 
Total ------------------------$ 226,438.31 
 
 DEPARTMENT OF BANKING 
 
245 
 
STATEMENT 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF STEPHENS 
 
Stephens, Ga. 
 
President, JNO. F. HOLDEN 
 
Vice-Presidents, W. F. ADKINS, J. H. HUNTER 
 
Cashier, W. H. ADKINS 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House--------------Furniture and Fixtures------Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks------Advances on Cotton---------AdYances on Other Commodities ----------------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _-_-_- -_ Other Assets_________________ 
 
56,690.22 1,112.37 none none none 500.00 1,593.20 :2,484.82 9,893.55 
none 
12,983.02 none none 
none none none 
none 661.45 none 
 
Capital Stock Paid In--------~ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _-_-_- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o_s_i_t_-_-_CTarushstierF'sunCdheDcekps _o_s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a_-x_-_-e-s_ 
Other Liabilities------------- 
 
15,000.00 none 
5,000.00 2,971.83 
14.40 none 24,593.68 none 38,046.19 none none 292.53 none none none 
none none none none 
 
Total ------------------------$ 85,918.63 Total ------------------------$ 85,918.63 
 
STATEMENT 
Showing Condition at Close of Business December 28, 1923 of the 
 
PLANTERS BANK 
Stillmore, Ga. 
 
President, J. N. YOUMANS 
 
Vice-President, L. B. BROWN 
 
Cashier, G. C. DANIEL 
 
RESOURCES: 
Time Loans and Discounts____ , DUenmiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures------Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks------Advances on Cotton---------Advances on Other Commodities ----------------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Acceptances -------------------~Overdrafts (if any)----------Other Assets----------------- 
Total ------------------------t 
 
92,765.74 1,836.12 none none none none 7,500.00 2,000.00 3,465.00 
none 
2,322.39 7,886.23 
none 
none none 2,288.99 
none none 3,587.92 
123,652.39 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ _- _- _- _-_-_- -_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit 'rime Certificate of Deposit___ Savings Deposits-----~------ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _CHtified Checks-------------Bills Payable ____ -,-,----------Notes and Bills RediscountedLetters of Credit and Accept- 
Reasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none none none none none 
32,447.20 none 
29,441.24 none none 
7'63.95 none 
36,000.00 none 
none none none none 
 
Total ------------------------' 123,652.39 
 
 246 
 
Fot'RTH Ax:\TAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF STOCKBRIDGE 
 
Stockbridge, Ga. 
 
President, 0. J. BOWEN 
 
VicePresident, W. W. WARD 
 
Cashier, N. R. HENDERSON 
 
RESOURCES: 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_- 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-__-_-_-_-_--_ Cther Assets_________________ 
 
293,228.71 2,181.87 none none none 7,800.00 1,000.00 1,015.00 
60,274.15 
none 
14,940.24 none none 
none none none 
none none 18,875.62 
 
LIABILITIES: 
Capital Stock Paid In--------1 Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CTraushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptHBeoaRnnedcrsevse Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ 
Other Liabilities------------- 
 
60,000.00 none 
12,000.00 12,781.36 
none none 154,439.74 none 97,433.64 none none 99.77 none 32,500.00 ;2,000.00 
none none none 28,061.08 
 
Total ------------------------1 399,315.59 'l'otal ------------------------$ 399,315.59 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
GRANITE BANK 
 
Stone Mountain, Ga. 
 
President, J. STEVE McCURDY 
 
Vice-President, V. R. WILLIAMS 
 
Cashier, DEAN RHODES 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans_______________ 
United States Securities-----State of Georgia BondS-----Stock in Federal Reserve Bank BOathnekrinSgtHocokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaf-ts--(-i-f-a-n--y-)-_-_-_-_-_-_-_-_-_~_-_ Other Assets_________________ 
Total ------------------------$ 
 
LIABILITIES: 
 
144,139.35 3,303.27 none none none none 1,671.92 2,569.51 
11,053.08 
none 
32,114.48 none none 
none none none 
none 117.71 
 
Capital Stock Paid In--------1 Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
 
CTraushstierF'sunCd hDecekps o__s_i_ts_-_-_-_-_-_-_-_-_- 
 
RCielrltsifPieadyaCbhlee_c_k_s__-_--_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
Reasnercvees 
 
-------------------~for Interest and Taxes 
 
Bonds Borrowed_____________ 
 
Other Liabilities------------- 
 
15,000.00 none 
20,000.00 1,144.02 none none 
80,031.21 none 
49,775.73 28,915.09 
none 103.27 
none ncne none 
none none none none 
 
I 194,9;:.:: T0tal ------------ -------------$--1-94_,_9_6_9-.3-2 
 
 DEPARTMENT OF BANKING 
 
247 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, C. C. CLEGHORN 
 
BANK OF COMMERCE Summerville, Ga. Vice-President, E. N. MARTIN 
Cashier, N. K. BITTING 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ ~ Demand Loans_______________ 
united States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e -serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------(;ther Assets----------------- 
 
167,188.82 764.83 150.00 none none ncne none 
2,145.17 1,465.62 
fl(Jll6 
5,325.69 none none 
none 718.39 500.02 
none 3,222.57 9,460.47 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s -_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other LiabilitieS------------- 
 
20,400.00 none 
12,500.00 none none none 
72,300.54 none 
16,918.83 none none 218.51 none 
63,500.00 4,050.00 
none none none 1,053.70 
 
Total ------------------------~ 190,941.58 Total ------------------------~ 190,941.58 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CHATTOOGA COUNTY BANK Summerville, Ga. 
 
President, JNO. D. TAYLOR 
 
Vice-President, E. S. TAYLOR 
 
Cashier, B. W. FARRAR 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
united States Securities______ State of Georgia Bonds______ 
 
2.33,021.51 55,619.63 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
5,000.00 10,600.00 
 
Furniture and Fixtures------Other Real Estate Owned____ 
 
6,053.89 16,733.93 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks ___ ---Advances on Cotton _________ _ 
 
129,203.98 50.00 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o--u-s-e------ 
 
none 222.67 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-__-_- 
 
6,33n0o.n77e 
 
Cther Assets----------------- 
 
260.54 
 
----- 
 
Total ------------------------$ 463,096.92 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_ _s_- _- -_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
30,000.00 none 
25,000.00 5,505.22 none none 
201,123.60 none 
53,213.78 265.25 
94,89 3. 73 3,095.34 none none 
50,000.00 
none none none none 
 
Total ------------------------$ 463,096.92 
 
 248 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PEOPLES BANK Summit, Ga. 
 
President, J. LEONARD ROUNTREE S. J. FLANDERS 
 
Vice-Presidents, B. L. ROUNTREE Cashier, C. L. GRUVER 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 154,017.54 
 
Demand Loans--------------United States Securities______ 
 
2,782.14 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcoksusaen_d___B_o_n_d__S_-_--_-_-_--_ Furniture and Fixtures______ _ 
 
none 
6.527.56 4,088.89 
 
Other Real Estate Owned___ _ 
 
6, 729.23 
 
Due from Federal Reserve 
 
DuBeafnrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
13,204.07 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 190.90 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Cther Assets_________________ 
 
220.49 
 
---- 
 
Total ------------------------$ 187,760.82 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks_____________ CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r oI-n-w-tee-dr-e-_s-_t_- _-a_-n_-d_-_-T_-a_-x_-_e- -s_ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 none none none 
48,595.56 none 
74,466:96 none none 
3,009.24 none 
16,000.00 none 
none none none 15,689.06 
 
Total ------------------------$ 187,760.82 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE CENTRAL BANK Swainsboro, Ga. 
 
President, J. G. MASO'N 
 
Vice-President, R. A. FLANDERS Cashier, W. W. FLANDERS 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and BondS-----BFuanrnkiitnugreHaonudsFe-ix--t-u-r-e-s-_-_-_-_-_-_-_Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House__ _ Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets----------------- 
Total ------------------------$ 
 
82,618.43 none none none 
750.00 none none 
4,800.00 none 
7,867.05 
84,205.64 none none 
none none none 
none none none 
180,241.12 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsevse Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_- _-T_-a_-x_-_e- -s_ Other Liabilities_____________ 
 
25,000.00 none 
5,000.00 1,496.28 
176.00 none 
133,844.78 none 
14,655.61 none none 68.45 none none none 
none none none none 
 
Total ______________________:__, 180,241.12 
 
 DEPARTMEKT OF BANKIKG 
 
249 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
THE CITIZENS BANK Swainsboro, Ga. 
 
President, J. A. COLEMAN Vice-Presidents, FRANK MITCHELL, F. C. BRANAN Cashier, OTIS G. PRICE 
 
RESOURCES: 
 
LIABILITU:S: 
 
Time Loans and Discounts___ $ Demand Loans--------------united States Securities-----State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Ad\ances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
Other Assets----------------- 
Total ------------------------$ 
 
197,441.34 9,157.73 
75,000.00 none none none 
7,360.82 1,874.12 
802.57 
none 
136,997.39 none 
3,620.82 
2,540. 72 none 
6,864.31 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrpdliuv;i,d~ ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_- _-e-s_ 
Other Liabilities------------- 
 
24,100.00 none 
30,000.00 9,684.93 none none 
321,666.64 none 
54,001.39 none none 
2,206.86 none none none 
none none none none 
 
none none none 
I 441,659.82 Total -------------------------$---4_4_1-,t-5-9-.8-2 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the  
 
EXCHANGE BANK Sycamore, Ga. 
 
President, 0. W. SMITH 
 
Vice-President, JNO. T. MOORE 
 
Cashier, Y. J. STOVER 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States SecuritieS-----State of Georgia BondS------ 
 
77,273.78 
5,954.63 none none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_-_-_--- 
 
none 3,500.00 
 
Furniture and Fixtures_____, 
 
2,605.00 
 
Other Real Estate Owned---- 
 
7,887.98 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
36,257.36 30,500.00 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
14,272.82 none 
 
Other Checks and Cash Items_ 
 
47.64 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
n11o.n8e1 
 
Other Assets_________________ 
 
3,082.18 
 
---Total ------------------------$ 181,393.20 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_C<rtified Checks-------------Rills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-te-e-dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities_____________ 
Toto! ------------------------$ 
 
15,000.00 none 
3,000.00 282.25 none none 
75,860.33 5,000.00 
81,249.62 none none 
1,001.00 none none none 
none none none none 
181,393.20 
 
 250 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the THE PLANTERS BANK 
Sycamore, Ga. 
 
President, B. E. SMITH FOUNTAIN 
 
Vice-Presidents, C. T. MADDUX, MRS. JANIE Cashier, A. J. BILES 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------Cni ted States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton---------Advances on OthEr Commodi- 
ties -------------------- __ _ Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
83,338.82 9,435.65 none none none none none 1,500.00 6,169.31 
none 
8,297.14 92.75 none 
none 58.37 none 
none 130.98 
nnne 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks____________ _ Certified Checks _____________ _ Bills Payable ________________ _ Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities____________ _ 
 
25,000.00 none 
5,000.00 2,997.41 
none nona 38,302.73 ncne 12,289.57 none none 433.31 none 25,000.00 none none 
none none none 
 
Total------------------------$ 109,023.02 Total ------------------------$ 109,023.02 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 of the SYLVANIA BANKING CO. 
Sylvania, Ga. 
 
President, J. A. MILLS 
 
Vice-Presidents, W. A. MALLORY, C. B. PFIEFFER 
 
Cashier, HOBSON J. COLE1IAN 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States ~ecurities _____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_--_-_-_-_Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserye DuBeafnrkom---O--th-e-r--A--p-p-r-o-v~e-d--R--e-- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f -t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ Other Assets ________________ _ 
Total ------------------------$ 
 
114,487.80 2,162.00 none none none none none 2,780.03 3,920.22 
none 
32,119.51 none none 
none 3,403.19 
none 
none 487.38 787.72 
160,147.85 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 none none none 
97,653.11 50.00 
20,860.13 9, 778.04 none 1,806.57 none none none- 
none none none none 
 
Total ------------------------$ 160,147.85 
 
 DEPART:VIENT OF BANKING 
 
251 
 
STATEMENT Showing Condition ~t Close of Business December 28, 1923 
of the 
 
:FARMERS AND MERCHANTS BANK 
 
Sylvester, Ga. 
 
President, D. H. POWELL 
 
Vice-President, G. W. PRICE, W. C. FOREHAND 
 
Cashier, G. L. WARREN 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
united States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_-_- 
Furniture and Fixtures------Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks------Advances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
Checks for Clearing- House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
 
227,349.77 1,912.19 none none none none 8, 764.62 3,926.60 8,003.59 
none 
27,095.75 5,425.20 5,167.88 
none 113.03 
20.00 
none none 3,431.95 
 
Total ------------------------$ 291,210.58 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------TC2rushstierF'sunCd hDecekps_o_s_i_ts__--_-_-_,_-_-_-_- 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills RediscountedLette~s of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ 
Other Liabilities------------- 
 
42,000.00 none none 
3,171.53 none none 
73,494.50 23,500.00 147,169.98 
1,099.38 none 
775.19 none none none 
none none none none 
 
Total :_ _______________________ $ 291,210.58 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
SYLVESTER BANKING CO. 
 
Sylvester, Ga. 
 
President, T. C. JEFFORDS STRANGWARD 
 
Vice-Presidents, C. W. ~~ILLHOUSE, CHAS. H. Cashier, J. H. WESTBERRY 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------united States SecuritieS-----State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_S_-_-_-_-_-_- 
Furniture and Fixtures------Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
Vaults -------------------Due from Other Banks------Advances on Cotton _________ _ 
Advances on OthE-r Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_-_-_ -_ _- _- _- _-_- -_ Other Assets ________________ _ 
 
299,429.98 35,345.15 none none none 2,025.00 11,000.00 6,000.00 19,200.00 
none 
131,765.78 none 
4,510.30 
none 1,222.31 
none 
none none none 
 
Total ------------------------~ 510,498.52 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ C'' shier's Checks_____________ Certified Checks______________ Bills Payable _________________ 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed_____________ Other Liabilities____________ _ 
 
100,000.00 none 
30,000.00 5,242.58 1,035.00 none 
273,889.43 none 
96,026.70 none none 
2,331.80 none none none 
none 1,973.01 
none none 
 
Total ------------------------1 510,498.5~ 
 
 252 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF TALBOTTON 
 
Talbotton, Ga. 
 
President, R. G. JORDAN 
 
Vice-President, A. J. FERRYMAN Cashier, J. W. JORDAN 
 
RESOURCES: 
Time Loans and Discounts___ $ Demand Loans--------------United States Securities______ State of Georgia BondS-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other CommodiG ht ieecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- -s e- -__- -_ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_ -_ _- _- _- _- _-_-_-_- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
172,863.01 17,526.91 1,150.00 none none none 9,691.10 3,845.74 16,235.09 
none 
47,898.57 none 
5,030.34 
none 3,293.14 
none 
none none 3,497.85 
281,031.75 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches  USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_'Cl 'ar us hs it e rF' su nCd hDe cekps o__s_i_t s_-_-_-_-_-_-_-_-_Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Acc<:>pt- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none 
17,500.00 2,185.22 none none 
73,887.99 1,300.00 
151,925.78 none 
6,923.56 2,309.20 
none none none none none none none 
281,031.75 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of" the 
 
THE PEOPLES BANK Talbotton, Ga. 
 
President, T. H. PERSONS 
 
Vice-President, E. R. MATHEWS 
 
Cashier, A. P. PERSONS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia BondS-----Stcck in Federal Reserve Bank Other. Stocks and Bonds-----Banking House--------------Furniture and Fixtures------Other Real Estate Owned---Due from Federal Reserve D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
serve Agents and Cash in Vaults -------------------Due from Other Banks------Advances on Cotton---------Advances on Other CommodiChteiecsks--fo--r -C--l-e-a-r-in-g---H-o-u--se--__--_ Other Checks and Cash ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_-_ -_ _- _- _- -_ Other Assets----------------- 
Total ------------------------$ 
 
103,359.31 3,509.51 
11,350.00 none none none 
4,000.00 1,344.75 
none 
none 
65,414.10 2, 798.09 273.25 
25.31 645.04 
12.00 
none none 235.96 
192,967.32 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_-_ -_ _- _- _- -_ :Cividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit__ _ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letterd of Credit and Accept- 
ances ---------------------RBeosnedrsveBfoorrroInwteedre_s_t__a_n_d__T_a_x__es_ 
Other LiabilitieS------------- 
 
25,000.00 none 
15,000.00 9, 723.00 15.00 none 
59,731.88 none 
7 5,136.27 none 
8,336.33 24.84 none none none 
none none none none 
 
Total ------------------------$ 192,967.32 
 
 DEPARTMENT O:B' BANKING 
 
253 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the BANK OF TALLAPOOSA 
Tallapoosa, Ga. 
 
President, W. W. HEATON 
 
Vice-President, J. C. TUMLIN Cashier, J. E. DAVIS 
 
RESOURCES: 
Time Loans and Discounts----$ DUnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_- 
Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve D uHeafnrko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- e- -- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 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_ Letters of Credit and Accept- 
O(JvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_---_ 
 
396,758.64 32,853.09 none none none 2,470.00 5,000.00 4,000.00 3,000.00 
none 
42,704.07 9,000.00 3,555.20 
none none 6,996.82 
none 3,741.69 1,096.59 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t -s -_-_-_-_ _- _- _- _-_-_-_-_- -_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps _o_s_i_t s_ -_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
Reasenrcvees f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed------------Other Liabilities------------- 
 
79,800.00 none 
19,950.00 13,714.72 
none none 182,488.36 8,179.99 129,606.24 28,992.71 none 2,559.71 none 23,000.00 19,500.00 
none 3;252.88 
none 131.49 
 
Total ------------------------$ 511,176.10 Total ------------------------$ 511,176.10 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF TAYLORSVILLE Taylorsville, Ga. 
 
President, J. I. HARRIS 
 
Vice-President, J. P. DAVIS Cashier, W. M. DORSEY 
 
RESOURCES: 
Time Loans and Discounts____ f Demand Loans_______________ United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Hank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n--k-s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptOOtvahenercrdersAafs-tss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_--_- 
Total ------------------------$ 
 
74.573.11 3,000.00 200.00 none none 360.00 1,400.00 2,301.12 none 
none 
21,994.80 38,500.00 
none 
none none none 
none none 3,746.65 
146,075.68 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------DUinvdiidveinddesd UPnrpoafiidts_-_-_-_-_-_-_-_-_-_-_-_--_ Due to Banks________________ 
Deposits Subject to Check---Demand Certificates of D~posit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
Trust Fund Deposits--------Cashier's Checks------------ECitllrstifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
15,000.00 3,047. 09 none none 
77,013.70 none 
26,014.89 none none none none none none 
none none none none 
 
Tc-tal ------------------------$ 146,075.68 
 
 254 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS STATE BANK 
 
President, J. T. DAVIS 
 
Temple, Ga. Vice-President, I. C. WALTON 
Cashier, J. F. HAMILTON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
 
Demand Loans--------------United States Securities______ 
 
State of Georgia Bonds_____ _ 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ 
 
Furniture and Fixtures_______ 
 
Other Real Estate Owned____ 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved He- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
Other Checks and Cash Items_ 
 
Letters of Credit and Accept- 
 
O 
 
vaenrcdersa 
 
ft-s- 
 
--- 
(if 
 
-a-n-y-)- 
 
-_-_-_-_-__- 
 
_- 
 
_- _-_- -_ 
 
Other Assets_________________ 
 
Total ________________________ $ 
 
127,858.45 438.78 200.00 none none 750.00 
2,531.38 2,992.04 3, 726.76 
none 
9,560.36 ncne 
1,482.00 
none none 
.50 
none 3.16 
5,097.7fi 
154,641.18 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Heserved for Branches Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit--S'l'arvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_<'ashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills RediscountedLetters uf Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
25,000.00 none 
5,000.00 none none 
18,000.00 17,507.28 32,500.00 10,171.10 11,656.00 
none 20.46 none 27,835.00 6,951.34 
none none none none 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
TEMPLE BANKING CO. Temple, Ga. 
 
President, W. L. KINNEY 
 
Vice-Presidents, G. T. WILLIAMS, H. A. SEWELL Cashier, L. F. WEST 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans______________ _ 
 
211,425.55 10,594.30 
 
United States Securities______ State of Georgia Bonds______ 
 
none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ F'urniture and Fixtures_______ 
 
none 6,500.00 4,000.00 
3,600.00 
 
Other Real Estate owned____ 
 
9,439.36 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a---n-k-s-_-_-__-_-_--_ Advances on Cotton__________ 
 
20,365.10 none none 
 
Advances on Other Commodi- 
 
ties ----------- ___ --------C'hecks for Clearing House__ _ 
 
none none 
 
Other Checks and Cash Items_ 
 
358.46 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-if--a-n-y--) -_-_-_-_-__-_-_-_-_--_ 
 
none 191.74 
 
Other Assets----------------- 
 
none 
 
----- 
 
Total ------------------------$ 266,474.51 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Heserved for Branches 
Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ 
Deposits Subject to Check____ Dnmand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits_________ 
Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters '>f Credit and Accept- 
ances --------------------neserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
45,000.00 none 
25,000.00 685.66 none none 
84,231.63 none 
51,727.19 12,773.15 
nune 502.11 
none 46,554.77 
none 
none none none none 
 
Total ------------------------$ 266,474.51 
 
 DEPARTMENT OF BANKI;'i!G 
 
255 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Tennille, Ga. 
 
President, H. M. FRANKLIN LORD 
 
Vice-Presidents, ROBERT DAVIS, IVERSON Cashier, PAUL SHEPPARD 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ _- _- _-_-_-_-_- -_ Other Assets________________ _ 
Total ------------------------~ 
 
185,895.75 3,531.80 none none none none 7,993.96 3,629.11 504.18 
none 
17,320.14 2,075.55 none 
none 2,137.86 
313.93 
none 785.99 
none 
224,188.27 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o-f-i-ts--_-_-_-_-_-__-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Sa vings Deposits------------Trust Fund Deposits--------c~ shier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
 
25,000.00 none 
5,000.00 1,517.89 
20.00 none 66,928.21 none 59,360.85 13,634.25 none 2,017.66 none 15,500.00 5,450.00 
none none none 29,759.41 
 
Total ------------------------~ 224,188.27 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
PEOPLES EXCHANGE BANK 
 
Tennille, Ga. 
 
President, U. V. SMITH 
 
Vice-President, I. A. SMITH 
 
Cashier, MACK SESSIONS 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------. United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
D uBea fnrko m- - -O- t-h-e- r- -A- -p-p-r-o-v-e-d- -R- -e -serve Ag<'nts ~nd Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ Aovances on Other Commodi- 
ties ----------------------C'hecks for Clearing House__ _ Other Checks and Cash ItemsLetters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ _- _- _-_- -_ Other Assets ________________ _ 
 
55,681.83 5,926.01 none none none 45.72 none 2,265.00 none 
none 
124,925.17 50,000.00 16,435.07 
none 
5~6.38 
298.16 
none 25.85 none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
30,000.00 none 
6,000.00 26,776.29 
none none 178,893.67 none 14,378.43 none none 96.80 none none none 
ncne none none none 
 
Total ------------------------$ 256,145.19 Total ------------------------$ 256,145.19 
 
 256 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
TENNILLE BANKING CO. 
 
Tennille, Ga. 
 
President, D. E. M.cMASTER 
 
Vice-President, J. L. KELLEY 
 
Cashier, H. L. SHANNON 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities-----State of Georgia Bonds______ Steck in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ 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_ Letters of Credit and AcceptO v::eLnrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ _- _- _-_- -_ Other Assets_________________ 
Total ------------------------$ 
 
182,068.17 8,047.32 
17,500.00 none none 
28,000.00 none none 
1,000.00 
none 
59,300.23 1,736.75 
17,562.23 
none 1,194.07 
none 
none 6'1;.79 none 
316,475.56 
 
LIABILITIES: 
C~1pital Stock Paid In ________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_--_-_-__-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills RediscountedLetters of Cre,lit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr r oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
30,000.00 none 
20,000.00 14,494.25 
none none 151,595.77 none 79,731.46 19,025.18 none 1,628.90 none none none 
none none none none 
 
Total ------------------------$ 316,47[,.56 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF THOMASTON Thomaston, Ga. 
 
President, W. Y. DANIEL 
 
Vice-President, L. F. FARLEY 
 
Cashier, W. H. DAYTON 
 
RESOURCES: 
 
Time Loans and Discounts____ ~ 112,799.09 
 
Demand Loans--------------United States Securities______ 
 
11,602.80 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-__--_ Furniture and Fixtures_______ 
 
none 
1,800.00 2,533.14 
 
Other Real Estate Owned___ _ 
 
3,959.10 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton ___.______ _ 
 
32,972.21 none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
179.35 
 
Letters of Credit a'nd Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets_________________ 
 
none none none 
 
---- 
 
Total ------------------------~ 165,845.69 
 
LIABILITIES: 
Capital S-tock Paid In--------$ Amount Reserved for Branches 
SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bfoorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
25,000.00 none 
5,000.00. 4,208.97 
12.00 none 91,569.98 none 39,632.80 none none 421.94 none none none 
none none none none 
 
Total ------------------------t 165,845.69 
 
 - 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
DEPARTMENT 
------------ 
 
OF 
-- 
 
BANKING 
-------- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
-257 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
FARMERS AND MERCHANTS BANK Thomaston, Ga. 
 
President, W. 0. BRITT 
 
Vice-President, A. H. BLACK Cashier, J. A. WALLER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Pemand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds__ .___ _ BF ua nr nkiitnugr eHaonuds Fe -i x- -t -u-r-e-s-_-_-_-_-_-_-_Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
Advances on Other Commodi- 
C'htieecsks -f-o-r--C--l-e-a-ri-n-g--H--o-u-s-e--__--_ Other Checks and Cash ItemsLetters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-__-_-_-_-_-_--_ (Jther Assets_.:. ___.___________ _ 
 
241,428.46 18,761.60 none none none none 8,000.00 none 2,800.00 
none 
26,835.36 none 
7,088.54 
none none 5, 791.7 4 
none 774.97 none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso__f _D__e_p_o__s_iL__-_- 
CT raus hs ti e rF' su nCd hDe cekps o__s_i._t s_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bfoorrr oI nwt eedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
50,000.00 5,000.00 none 
11,670.25 15.00 none 
140,565 15 none 
71,638.29 11,250.82 
none 1,341.16 
none 20,000.00 
none 
none none none none 
 
Total ------------------------$ 
 
Total ------------------------$ 311,480.67 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
UPSON BANKING AND TRUST CO. Thomaston, Ga. 
 
President, S. Y. PRUITT 
 
Vice-President, R. E. CHATFIELD Cashier, L. P. DAVIS 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
343,992.85 89,486.26 
 
United States Securities______ 
 
non3 
 
State of Georgia Bonds______ 
 
none 
 
Etock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furuiture and Fixtures_______ 
 
none 1,080.00 3,000.00 1,577.50 
 
Other Real Estate Owned---- 
 
3,188.44 
 
DuBeanfrkom___F__e_d_e_r_a_l__R_e_s_e_r_v_e_ .: __ 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
 
190,413.86 none none 
 
Advances on Otht:r Commodi- 
 
ties ----------------------Checks for Clearing House __ _ 
 
none 2,821. 74 
 
Other Checks and Cash Items_ 
 
373.88 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_- _- 
 
1,0n63o.n4e7 
 
- - - - - - - Other Assets_____________ ---- 
 
1,220.81 
 
Total ------------------------$ 638,218.81 
 
LIABILITIES-: - - - - - 
 
Capital Stock Paid In________ ~ 50,000.00 
 
Amount Reserved for Branches 
 
none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
 
25,000.00 34,677.19 
 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
672.00 none 
 
Deposits Subject to Check____ 345,203.28 
 
Demand Certificates of Deposit 
 
none 
 
Time Certificate of DeposiL-- 181,902.43 
 
STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ 
 
none none 763.91 
 
BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_- 
 
none none 
 
Notes and Bills Rediscounted- 
 
none 
 
Letters of Credit and Accept- 
 
Reasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s 
 
none none 
 
Bonds Borrowed------------- 
 
none 
 
Other Liabilities------------- 
 
none 
 
Total ------------------------$ 638,:218.81 
 
 r 
 
258 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
BANK OF THOMASVILLE 
 
Thomasville, Ga. 
 
President, B. H. WRIGHT 
 
Vice-Presidents, R. G. FLE:ETWOOD, R. THOMAS Cashier, P. C. SEARCY 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 1,053,313.34 
 
Demand Loans--------------- 133,688.34 United States Securities______ 57,790.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
6,200.00  
 
Banking House--------------Furniture and Fixtures_______ 
 
9,000.00 7,535.21 
 
Other Real Estate Owned---Due from Federal Reserve 
 
23,320.87 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ Advances on Cotton__________ 
 
66,682.92 3,686.71 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House___ 
 
none 8,512.13 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
0 <aenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
(Jther Assets------------------ 54,737.21 
 
Total --------------,----------$ 1,424,466. 73 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_it_-_-_- 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
100,000.00 none 
50,000.00 43,190.59 
none 66,315.85 398,940.39 
none 120,152.55 359,001.97 
none 2,459.62 
39.00 240,000.00 
none 
none none none 44,366.76 
 
Total _________:._ ______________ $ 1,424,466. 73 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
CITIZENS BANKING AND TRUST CO. 
 
Thomasville, Ga. 
 
President, J. T. CULPEPPER MERRILL 
 
Vice-Presidents, W. J. BOWEN, (Active); J. H. Cashier, W. J. BOWEN 
 
RESOURCES: 
 
Time Loans and Discounts----~ 417,408.96 
 
Demand Loans--------------- 166,328.52 United States Securities______ 20,750.00 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
{)ther Stocks and Bonds------ 
 
675.00 
 
Banking House--------------- 
 
7,805.74 
 
Furniture and Fixtures------- 
 
4,107.94 
 
{)ther Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
269,963 07 none 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 6,500.00 
 
Other Checks and Cash Items_ 
 
3,547.52 
 
Letters of Credit and Accept- 
 
ances --------------------O~erdrafts (If any)___________ 
 
19,5n03o.n3e0 
 
- - - - - Other Assets_________________ 
 
349.09 
 
Total ------------------------$ 916,939.14 
 
LIABILITIJS: 
 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------DUinvdidiveinddesd UPnrpoafiidts_-_-_-_-_-_-_-_-_-_-_-_--_ Due to Banks________________ 
 
Deposits Subject to Check____ 
Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills RediscountedLetters of Credit and Accept- 
 
Reasnecrvees 
 
--------------------~ 
for Interest and Taxes 
 
Bonds Borrowed------------- 
 
Other Liabilities------------- 
 
50,000',.00 none 
50,000.00 42,371.51 
2,505.00 none 
531,446.64 'none 
35,554.58 129,927.88 
none none 133.53 75,000.00 none 
none none none none 
 
Total ------------------------$ 916,939.14 
 
 DEPARTMENT OF BANKING 
 
259 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
PEOPLES SAVINGS BANK 
 
Thomasville, Ga. 
 
President, T. J. BALL 
 
Vice-President, W. J. UPCHURCH 
 
Cashier, R. J. McCLENNY 
 
RESOURCES: 
 
LIABILITIES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s________$ 
 
203,924.81 none 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds_____ . Banking House______________ _ 
 
none none 
 
Furniture and Fixtures------- 
 
891.61 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
D uBea fnrko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e -- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
11,271.21 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_-_ -_ -_ _- _- -_ Other Assets_________________ 
 
none none none 
 
----- 
 
Total ------------------------$ 216,087.63 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-__-_--_-_-_-_-_-_-_Deposits Subject to Check____ D.-mand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
25,000.00 none 
12,500.00 4,988.91 none none 
19,924.14 none 
55,293.64 83,342.14 
none 38.80 none 15,000.00 none 
none none none none 
 
Total ------------------------$ 216,087.63 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
THE BANK OF THOMSON Thomson, Ga. 
 
President, J. E. WILKERSON 
 
Vice-President, J. E. GROSS 
 
Cashier, E. C. HAWES 
 
RESOURCES: 
 
Time Loans and Discounts----$ 184,608.91 
 
Demand Loans--------------- 33,647.21 United States Securities______ 197,031.39 
 
State of Georgia Bonds------ 
 
none 
 
Stock In Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckous saen_d___B__o_n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned ____ 
 
14,680.00 7,842.97 3, 700.00 9,495.32 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
144,988.49 none 
403.90 
 
.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- -__- -_ 
 
none 456.27 
 
Other Checks and Cash ItemsLetters of Credit and Accept- 
 
85.58 
 
ances --------------------Overdrafts (if any)----------- 
 
none 165.65 
 
- - - - Other Ass~ts----------------- 
 
346.78 
 
Total ------------------------$ 597,452.47 
 
LIABILITIES: 
Capital Stock Paid In________ f 
Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savlngs Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Si!ls RediscountedLetters of Cre-lit and Accept- 
Reasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e-sBonds Borrowed------------Other Liabilities------------- 
 
50,000.00 none 
50,000.00 22,216.79 
none none 247,996.37 none 226,194.71 none none 1,044.60 none none none 
none none none none 
 
Total -~-----------~----------$ 597,452.47 
 
 260 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, H. T. CLARY 
 
THE McDUFFIE BANK Thomson, Ga. Vice-President, Wm. A. WATSON 
Cashier, E. M. MILES 
 
RESOURCES: 
 
Time Loans and Discounts........ $ 37,989.27 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
 
130.86 none none none 
none none 7 53.49 4,474.54 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
35,739.52 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House...... 
 
none 121.80 
 
Other Checks and Cash Items .. 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Other Assets_________________ 
 
215.65 
 
----- 
 
Total ------------------------$ 79,425.13 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted .. Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
Total------------------------$ 
 
25,000.00 none none 
2,949.46 180.00 none 
43,769.99 none 
7,495.16 none none 30.52 none none none 
none none none none 
79,425.13. 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THOMSON CITY BANK Thomson, Ga. 
 
President, J. T. NEAL 
 
Vice-Presidents, P. B. JOHNSON, H. C. McCORKLE Cashier, J. T. NEAL, JR. 
 
RESOURCES: 
 
Time Loans and Discounts........ $ 84,095.88 
 
Demand Loans--------------United States Securities__ _: __ _ 
 
none none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_- 
 
1,993.26 rione 
 
Furniture and Fixtures_______ 
 
3,805.69 
 
Other Real Estate Owned___ _ 
 
1,775.00 
 
Due from Federal Reserve 
 
DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
10,803.22 none 
552.22 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House...... 
 
none 794.18 
 
Other Checks and Cash Items_ 
 
338.04 
 
Letters of Credit and Accept- 
 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
- 
 
- 
 
nonP 195.55 
- -no-ne 
 
Total ------------------------$ 104,353.04 
 
LIABILITIES: 
Capital Stock Paid In________ ~ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
TCrausshtieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks_____________ _ Bills Payable _________________ _ 
Notes and Bills Rediscounted .. Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities____________ _ 
 
25,000.00 none none 
4,129.53 none none 
40,912.00 none 
23;220.10 none 
2,842.64 167.21 none 
5,000.00 3,081.56 
n~)ne 
none none none 
 
Total ------------------------$ 104,353.04 
 
 DEPARTMENT OF BANKING 
 
261 
 
-------------------------------------------------------------------------- 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
THE BANK OF TIFTON 
 
Tifton, Ga. 
 
President, E. P. BOWEN 
 
Vice-President, B. H. McLEOD, W. W. BANKS 
 
Cashier, .T. F. NeSMITH 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities~---- State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton__________ 
Advances oh Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets_________________ 
 
828,338.90 60,7 40.00 none Hone none 4,300.00 57,000.00 none 9,270.00 
none 
106,288.26 3,446. 75 
31,637.43 
none 1,383.52 
22.02 
none 200.25 8,733.03 
 
Total ------------------------$ 1,111,360.16 
 
LIABILITIES: 
Capital Stock Paid In________ ~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ DGmand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
TCraus hs ti e Fr ' su nCdhDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
100,000.00 none 
150,000.00 56,057.45 none 17,444.91 
352,227.71 none 
389,7 40 ..27 none none 
4,825.52 170.96 none none 
none 40,893.34 
none none 
 
Total ------------------------$ 1,111,360.16 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
THE BANK OF TIGNALL Tignall, Ga. 
 
President, BOYCE FICKLEN, JR. 
 
Vice-President, C. D. BOLTON 
 
Cashier, LERLIN WARE 
 
RESOURCES: 
Time Loans and DiscountS----$ .Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
D uBea fnrko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- -e -serve Agents and Cash in Vaults ------ _------------- 
ADduevafnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_Advances on Other CommodiC 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_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_- -_ 
Other Assets----------------- 
Total ------------------------$ 
 
109,151.84 33,664.01 none none none 1,000.00 3,778.67 2,850.00 8,487.71 
none 
4,147.01 35,748.93 
none 
808.85 2,733.73 
177.00 
none 1,500.86 2,440.59 
206,489.20 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ DDluveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Ti'me Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e _s 
Other Liabilities------------- 
 
50,000.00 none 
10,000.00 none none none 
84,672.65 
non<:> 
61,085.66 none none 
730.89 none none none 
none none none none 
 
Total ------------------------$ 206,489.20 
 
 262 
 
Foc:RTH AN xuAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PEOPLES BANK 
 
Tignall, Ga. 
 
President, D. S. STANDARD 
 
Vice-Presidnet, S. A. WARE 
 
Cashier, F. S. FORTSON 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ 66,276.64 
 
Demand Loans--------------United States Securities______ 
 
none 37,100.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_- 
 
none 8,002. 74 
 
Furniture and Fixtures_______ 
 
2,436.17 
 
Other Real Estate Owned---- 
 
2, 715.93 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
15,134.10 none 
216.50 
 
Advances on Other Commodi- 
 
ties ----------------------- 
 
404.61 
 
Checks for Clearing House--- 
 
596.59 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
- - - - OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_--_--_--_-_--_--_----_ 
 
none 430.43 
none 
 
Total ------------------------$ 133,313.71 
 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL- _ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _C<:rtified Checks______________ B;Jls Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ Other Liabilities_____________ 
Total ------------------------$ 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
THE BANK OF TOCCOA 
 
Tocc.oa, Ga. 
 
25,000.00 none 
500.00 1,845.97 
none none 43,291.31 none 27,201.31 none none 375.12 none none none 
none none none 35,100.00 
133,313.71 
 
President, E. SCHAEFER 
 
Vice-President and Cashier, J. H. WILLIAMS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 195,035.28 
 
Demand Loans--------------United States Securities______ 
 
993.75 154.44 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,800.00 
 
Other Stocks and Bonds______ Banking House_______________ 
 
none none 
 
Furniture and Fixtures______ _ 
 
2,407.62 
 
Other Real Estate Owned___ _ 26,879.82 
 
Due from Federal Reserve 
 
Bank ---------------------- 11,104.07 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
8,048.30 noue none 
 
Ailyances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 2,212.26 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n--y-)---------------------- 
 
none none 
 
Other Assets------------------ - - -no-ne 
 
Total ------------------------$ 248,635.54 
 
LIABILITIES: 
Capital Stock Paid In--------~ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit S'raimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__-_. 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks______________ 
Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances -------------------~TBioensedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
50,000.00. none 
10,000.00 933.56 none 
5,000.00 134,486.74 
none 26,563.53 
7,524.82 none 
273.12 10.00 none 
13,843.77 
none none none none 
 
Total --------------------- __ -$ 248,635.54 
 
 DEPARTMENT OF BANKING 
 
263 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
FARMERS AND MERCHANTS BANK 
 
Tocroa, Ga. 
 
President, E. E. MITCHELL 
 
Vice-Presidents, C. H. DANCE, CLAUDE BOND 
 
Cashier, T. W. ANDERSON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans______________ _ 
 
234,710.89 61,833.60 
 
United States Securities------ 31,368.42 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 10,855.00 
 
Banking House--------------- 16,112.00 
 
Furniture and Fixtures------- 
 
4,910.07 
 
Other Real Estate Owned___ _ 
 
5,242.87 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O-t-h-e-r- -A- -p-p-r-o-v-e-d- -R-e- -- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
 
64,633.36 none 
179,947.34 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 16,250.49 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)------------------ -- -- 
 
none 869.47 
 
Other 
 
Ass 
 
et 
 
s-- 
 
- 
 
- 
 
- 
 
- 
 
-------- 
 
- 
 
- 
 
-- 
 
37,115.77 
---- 
 
Total ------------------------$ 663,849.28 
 
LIABILITil'}S; 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unp'l.id_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CT ar us hs ite rF' su nCd hDe cekps _o_s_i_t s_ -_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted_ LEi\ters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed--~--------- Other Liabilities------------- 
 
50,000.00 none 
12,500.00 10,727.41 
none none 269,959.32 none 63,278.10 136,505.09 none 12,379.36 none 100,000.00 none none 
none none 8,500.00 
 
Total -------------~----------$ 663,849.28 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
WILKINSON COUNTY BANK Toomsboro, Ga. 
 
President, F. B. CHAMBERS 
 
Vice-President, W. A. HALL 
 
Cashier, H. E. STEPHENS 
 
RESOURCES: 
 
D'l'iemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
 
62,285.91 18,308.15 
 
United States Securities______ 15,850.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n__d_s_-_-._-_-_-_Furniture and Fixtures_______ 
 
none none none 
 
Other Real Estate Owned___ _ 
 
2,050.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
36,893.74. none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 469.95 
 
Other Checks and Cash Items- 
 
191.31 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y-)-_-_-_- _- -_-_-_-__-_-_- 
 
none 259.75 
 
- - - - - Other Assets-----~----------- 
 
590.00 
 
Total ------~-----------------$ 136,898.81 
 
LIABILITIES: 
Capital Stock Paid In--------* Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ D<mand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------,TCraushstierF'sunCdhDecekps_o_s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable~ ____:_ __________ :. Notes and Bills Rediscounted_ Lette:s of Credit and AcceptReasnecrvese f-o-r-I-n--te-r-e-s-t--a-n-d--T-a-x-e--s Bonds Borrowed---------'---Other Liabilities------~-----_: 
Total ------------------------$ 
 
25,000.00 none 
5,000.00 6,914.50 
none 785.49 77,847.06 none 21;082.65  none none 269.11 none none none 
'none nonenone ~one: 
136,898.81 
 
 264 
 
FouRTH ANNUAL REPORT 
 
STATEMENT. Showing Condition at Close of Business December 28, 1923 
of the BANK OF TRION 
Trion, Ga. 
 
President, BENJ. D. RIEGEL Rfi:EGEL 
 
Vice-Presidents, C. B. CAPERTON,. THEODORE 
Cashier, W. I. BENNETT 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n_d__s__________ _Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------Due from Other Banks____ --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- -__- -_ Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s~-(-I-f-a-n--y-)-_-_-_-_-_-_-_-_-_-:_-_ Cther Assets_________________ 
Total ------------------------$ 
 
116,392.34 none 
22,094.15 none none none none 
1,818.81 none 
none 
46,710.10 nolle none 
none 2,382.61 
none 
none 616.81 
none 
190,014.82 
 
LIABILITIES: 
 
Capital Stock Paid In--------~ Amount Reserved for Branches 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ 
 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
 
Deposits Subject to Check___ _ 
Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
 
Notes and Bills Rediscounted_ 
 
Letters of Credit and Accept- 
 
Reasnecrvese 
 
------------------~-for Interest and Taxes 
 
Bonds Borrowed------------- 
 
Other Liabilities------------- 
 
25,000.00 none 
12,500.00 9,533.62 none none 
86,302.35 none 
54,144.55 216.25 none 
2,318.05 none none none 
none none none none 
 
Total ------------------------$ 190,014.82 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF TUCKER Tucker, Ga. 
 
President, P. K. BURNS 
 
Vice-President, J. M. LIVSEY 
Cashier, L. S. BURNS 
 
RESOURCES: 
 
Time Loans and Discounts----~ 45,030.35 
 
Demand Loans--------------United States Securities_____ _ 
 
140.00 none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds------ 
 
none 
none none 
 
BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ 
 
3,160.00 1,984.59 
 
Other Real Estate owned ___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Ap-proved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other BankS------- 
 
11,230.01 none 
 
. Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 113.10 
 
Other Checks and Cash Items_ 
 
8.50 
 
Letters of Credit and Accept- 
 
- - - - - Ovaenrcdersaft-s--(-I-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ 
Other Assets_________________ 
 
none 42.50 none 
 
Total ------------------------$ 61,709.05 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P- -r o- -f-i -t s-------------------------DDiuvei dteon dBs aUn knsp_a_i_d__- -_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a--x-e-s Eonds Borrowed------------Other Liabil.ities------------- 
Total ------------------------$ 
 
15,000.00 none 
1,000.00 .2,436.80 
none none 27,787.74 none 15,378.11 none none 106.40 none none none 
none none none none 
61,709.05 
 
 265 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
TURIN BANKING CO. 
 
Turin, Ga. 
 
President, EDGAR DOMINICK 
 
Vice-President, G. H. URQUHART 
 
Cashier, F. E. SHELL 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 73,615.09 
 
UDnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_- 
 
none none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n_d__s__________ __ Furniture and Fixtures_______ 
 
405.00 
1,665.75 1,989.75 
 
Other Real Estate Owned____ 
 
8,939.78 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
8,385.44 none 
2,302.57 
 
Advances on Other Commodi- 
 
C"thieecsks - f-o-r- -C- -l-e-a-r i-n-g- - -H-o-u- s-e- -__- -_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOytheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
 
2,598.27 none 
 
---- 
 
Total ------------------------* 99,901.65 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------Trust Fund Deposits--------Cashier's Check~------------ BCti"llrstifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
17,000.00 3,035.40 56.00 none 
41,648.71 none 
23,049.54 none none 
112.00 none none none 
none none none none 
99,901.65 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF TY TY Ty Ty, Ga. 
 
President, J. W. TAYLOR 
 
Vice-President, F. B. PICKETT Cashier, W. M. BARR 
 
RESOURCES: 
 
Time Loans and Discounts----$ 70,314.12 
 
UDnemiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_-_- 
 
none none 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
3, 760.00 
 
Banking House--------------F'urniture and Fixtures______ _ 
 
2,400.00 2,536.20 
 
Other Real Estate Owned ___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ Advances on Cotton__________ 
 
3,109. 72 none none 
 
Advances on Other Commodi- 
 
Chteiecsks--fo--r -C--l-e-a-r-in-g--H--o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
none 
 
Other 
 
As 
 
s 
 
e 
 
ts----- 
 
- 
 
- 
 
- 
 
- 
 
-------- 
- 
 
- 
 
-2,0-34.-03 
 
Total ------------------------$ 84; 154.07 
 
LIABILITIES: Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid-.-----------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total------------------------$ 
 
25,000.00 none 
1,000.00 1,055.57 
none none 17,082.91 none 9,423.68 none 2, 778.14 155.93 none 27,657.84 none 
none none none none 
84,154.07 
 
 . 
 
266 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, W. B. NICHOLS 
 
BANK OF UNADILLA Unadilla, Ga. Vice-President, J. R. BARFIELD 
Cashier, A. R. WARE 
 
RESOURCES: 
 
 LIABILITIES: 
 
Time Loans and Discounts----~ 155,015.48 
 
Demand Loans--------------United States Securities______ 
 
13,227.00 4,000.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen__d__B_o__n_d_S_-_-_-_-_-_Furniture and Fixtures_______ 
 
none 3,000.00 
2,600.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks------Advances on Cotton__________ 
 
191,422.65 none 
673.82 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u--se--__--_ 
 
190.78 none 
 
Other Checks and Cash Items- 
 
2,418. 75 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_ -_ -_ -_ _- _- _- _- -_ 
 
none none 
 
- - - Other Assets ________________ _ 
 
none 
 
Total ------------------------$ 372,548.48 
 
Capital Stock Paid In--------$ Amount Reserved for Branches U8 unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit__ _ Savings Deposits------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks______________ Bills Payable_________________ Notes and Bills RediscountedLEtters cf Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a_-n_-d_-_-T_-a_-x_-_e--s_ Other Liabilities------------- 
Total ------------------------$ 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
50,000.00 none 
5,000.00 19,260.96 
none none 241,644.33 none 54,949.10 none none 1,694.09 none none none 
none none none none 
372,548.48 
 
COMMERCIAL BANK Unadilla and Pinehurst, Ga. 
 
President, CHAS. A. HORNE 
 
Vice-President, W. C. GRIGGS 
 
Cashier, 0. R. PEAVY 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Furniture and Fixtures------Banking House--------------Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
Vaults -------------------ADduevafnrcoems oOnthCeor ttBoann__k_s_-_-_-_-_-_-_- 
Advances on Other CommodiChteiecsks -f-o--r --Cl-e-a-r-i-n-g--H--o-u-s-e-_-_--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
OOvtahenercrdersAafst-ss-e-t(-sif_-_-a_-n_-_-y_-)_--_--_--_--_--_--_--_--_--_--_-- 
 
131,179.16 6,659.42 none nona none 3,149.00 
10,479.26 3,346.50 4,981.18 
none 
8, 733.97 none none 
1,209.37 312.24 
1,031.76 
none 73.94 1,683. 73 
 
Total ------------------------$ 172,839.53 
 
LIABILITIES.: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------CTarushsiterF'sunCdheDcekps _o_s_i_ts_-_-_-_-_-_-_-_-_CErtified Checks______________ Bills Payable_________________ 
Notes and Bills Rediscounted. !.etters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
50,000.00 16,000.00 
none none none 4,356.85 33,633.56 none 23,924.95 none none 2,444.37 none 42,426.37 none 
none none none 53.43 
 
Total ------------------------$ 172,839.53 
 
 DEPARTMENT OF BANKING 
 
267 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF UNION POINT Union Point, Ga. 
 
President, H. LAMB 
 
Vice-President, I. W. IVEY Cashier, R. A. RHO'DES 
 
RESOURCES: 
 
Time Loans and DiscountS----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--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 ItemsLetters of Credit and Accept- 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
56,243.17 65,025.21 
none none none none 3,622. 73 2,845.24 1,100.00 
none 
41,923.82 none none 
none 335.98 none 
none 31.10 60.77 
 
Total ------------------------$ 171,188.02 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of .Deposit Time Certificate of Deposit--Savings Deposits------------TCraus hs ti e rF' su nCdhDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Lcetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ 
Other Liabilities------------- 
 
,25,000.00 none 
25,000.00 5, 763.00 none none 
112,567.20 none none none none 
2,857.82 none none none 
none none none none 
 
Total ------------------------$ 171,188.02 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
THE FARMERS BANK Union Point, Ga. 
 
President, B. W. BOYD 
 
Vice-President, T. L. BARNES Cashier, A. J. STEWART 
 
RESOURCES: 
 
Time Loans and Discounts----~ 61,208.40 
 
Demand Loans--------------- 
 
288.05 
 
United States Securities-----State of Georgia Bond\3______ 
 
none none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ 
 
none 
 
Banking House--------------Furniture and Fixtures_______ 
 
3,000.00 1,713.48 
 
Other Real Estate Owned---- 
 
3,600.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
10,632.47 none none 
 
Advances on Other Commodi- 
 
ties ----------------------C'hecks for Clearing House __ _ 
 
nlne 502.72 
 
Other Checks and Cash Items- 
 
428.31 
 
Letters of Credit and Accept- 
 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none 43.93 none 
 
----- 
 
Total ------------------------$ 81,417.36 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__--_ Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes OBothnedrs LBiaobrirloitwieesd__-_-_--_-_-_-_-_-_-_-_-_- 
Total ------------------------$ 
 
15,000.00 n<,ne none 
3,089.30 nonE' none 
23,516.08 1,211.94 
19,266.05 1,607.70 none 388.26 none 
17,338.03 none 
none none none none 
81,417.36 
 
 r---- 
 
268 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, J. Y. BLITCH 
 
ASHLEY TRUST CO. Valdosta, Ga. 
 
Treasurer, S. A. SMITH 
 
RESOURCES: 
 
Time Loans and Discounts----$ 737,025.70 
 
Demand Loans--------------United States Securities______ 
 
800.00 7,000.00 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none none 
 
Furniture and Fixtures_______ 
 
none 
 
Other Real Estate owned____ 
 
4,434.86 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-__-_-_-_--_ 
 
34,560.70 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chtieecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
nonE' non<' 
 
Other Assets_________________ 
 
1, 707.88 
 
----- 
 
Total ------------------------$ 785,529.14 
 
LIABILITIES: 
 
Capital Stock Paid In________ $ 
Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
 
Deposits Subject to Check____ Demand Certificates of DepJsit Time Certificate of Deposit___ 
Savings Deposits------------Trust Fund Deposits------'--Cashier's Checks------------CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
Notes and Bills Rediscounted- 
 
Letters of Credit and Accept- 
 
RBeoasnnedcrsvees 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities------------- 
 
100,000.00 none 
35,000.00 187,893.93 
none none none Iione 388,881.52 none 11,253.69 none none none 12,500.00 
none none none 50,000.00 
 
Total ------------------------$ 7&5,529.14 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF VALDOSTA 
 
President, E. P. ROSE 
 
Valdosta, Ga. 
Vice-Presidents, A. J. STRICKLAND, J. R. DASH~ 
 
Cashier, W. F. STATEN 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and BondS-----Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-serve Agents and Cash in 
Vaults -------------------Due from Other Banks------Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i-f -a-n- -y-)---------------------Other Assets----------------- 
 
668,374.20 144,283.29 
40,885.61 none none 
10,000.00 40,000.00 12,663.71 40,577.95 
none 
88,088.92 7,478.12 none 
none 13,078.19 
8,136 42 
none none 432.06 
 
Total ------------------------$ 1,073,998.47 
 
LIABILITIES: . 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-&avings Deposits------------Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------HBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
200,000.00 none 
40,000.00 9,602.98 100.00 
16,240.23 341,457.82 
none 176,254.00 225,307.59 
15.00 1,441.26 
255.00 40,000.00 15,232.90 
none 8,091.69 
none none 
 
Total ------------------------$ 1,073,998.47 
 
 DEPARTMENT OF BANKING 
 
269 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
THE CITIZENS BANK OF VALDOSTA 
 
Valdosta, Ga. 
 
President, J. F. LEWIS 
 
Vice-Presidents, T. B. CONVERSE, SR., G. W. -VA~ 
 
Cashier, R. D. STEVENS, Assistant Cashier, A. F. WILLIS 
 
RESOURCES: 
 
Time Loans and Discounts----~ 1,487,100.45 
 
Demand Loans--------------United States Securities______ 
 
48,897.63 800.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ 162,300.04 
 
Banking House_______________ 
 
none 
 
Furniture and Fixtures_______ 
 
4,000.00 
 
Other Real Estate Owned____ 
 
400.00 
 
Due from Federal Reserve 
 
~ank ---------------------- 12,998.42 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
263,928.30 26,512.93 
 
Advances on Cotton _________ _ 106,605.40 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 2,843.09 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f -t s- -(-i-f -a-n- y- -) -_-_-_-_-_-_-_-_-_-_-_ Other Assets_________________ 
 
none 
51,766.65 none 
 
Total ------------------------$ 2,171,152.91 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
 
SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
 
Deposits Subject to Check___ _ Demand Certificates of Deposit Tlme Certificate of Deposit___ Savings Deposits____________ _ 
 
Trust Fund Deposits--------Cashier's Checks ______ .:. _____ _ Certified Checks______________ Bills Payable ________________ _ 
 
Notes and Bills Rediscounted_ 
 
Letters of Credit and Accept- 
 
RBeoasnnedcrsvees 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other Liabilities_____________ 
 
150,000.00 none 
150,000.00 155,197.22 
24,000.00 95,449.7 4 334,658.34 
none 391,437.47 523,166.55 290,526.13 
2,079.96 226.26 none 
38,356.77 
none none none 16,054.47 
 
Total ------------------------$ 2,171,152.91 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the EXCHANGE BANK 
 
Valdosta, Ga. 
 
President, A. C. :MIZELL 
 
Vice-President, W. A. SIMS Cashier, W. A. ROBERTS 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a~n-k--s-_-_-_-_-_-_-_ Advances on Cotton__________ 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_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--)-_-_-_-_-_-_-_-_-_~_-_ Other Assets_________________ 
Total ------------------------$ 
 
204,259.04 716.73 
1,086.24 none 
3,600.00 none none 
7,280.03 4,668.11 
none 
8,733.72 none none 
none 4,307.29 5,504.12 
none none 11,179.18 
251,334.46 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Dep)sit 'J'\me Certificate of DeposiL-Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks______________ Bills Payable_________________ 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_- _-e-s_ 
Other Liabilities------------- 
 
100,000.00 none 
18,550.00 none 3.00 none 
44,182.87 none 
31,160.60 41,471.48 
none 871.29 none none 15,044.97 
none none none 50.25 
 
TotRl ------------------------$ 251,334.46 
 
 270 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE MERCHANTS BANK Valdosta, Ga. 
 
Presdient, H. Y. TILLMAN 
 
Vice-President, A. F. WINN, JR. 
 
Cashier, T. I. DENMARK 
 
RESOURCES: 
 
Time Loans and Discounts----~ 1,006,440.78 
 
Demand Loans--------------- 218,551.86 
 
United States Securities______ 24,368.30 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
2,000.00 
 
Banking House--------------Furniture and Fixtures_______ 
 
32,719.16 25,321.8,2 
 
Other Real Estate owned---- 13,535;00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ 
 
90,635.09 4,124.74 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodt- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 1,625.12 
 
Other Checks and Cash Items_ 
 
203.20 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)------------------ -- -- 
 
none 7,336.33 
 
Oiher Assets----------------- 50,000.00 
 
Total ------------------------$ 1,476,861.40 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnendrcsvees Bf-oo-rr-rIo-n-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_ _-T_-a_-x_-_e- -s_ 
Other LiabilitieS------------- 
 
200,000.00 none 
50,000.00 39,995.31 
none 61,847.12 227,557.46 
none 333,880.34 418,799.79 
none 2,288.53 
150.82 none 
66,544.35 
none 16,336.98 
none 59,460.70 
 
'J'otal ------------------------$ 1,476,861.4( 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the THE FARMERS BANK 
Vidette, Ga. 
 
President, W. C. McCARVER 
 
Vice-President, S. A. THOMPSON 
 
Cashier, H. McCRAINE 
 
RESOURCES: 
 
Time Loans and Discounts----f 24,963.81 
 
Demand Loans--------------- 
 
none 
 
United States Securities______ 
 
ncne 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_-_- 
 
,225.00 2,300.00 
 
Furniture and Fixtures_______ 
 
1,200.00 
 
Other Real Estate Owned---- 
 
2,375.23 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
CuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
 
13,117.54 500.00 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
ties ----------------------CP.ecks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
OOtvahenercrdersAafs-tss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_---_ 
 
none 21 
none 
 
----- 
 
Total -----------------------..:$ 4-!,681. 79 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit. __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-roI-n-w-tee-dr-e-_s-_-t_-_a-_n-_d-_-_T-_a-_x-_~_e-s_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 nonE' 
1,000.00 751.04 none none 
23,624.81 none 
3,344.00 none none 961.94 none none none 
none 
llOllf' 
none none 
44,681.79 
 
 DEPARTMENT OF BA~KING 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
 
 
AMERICAN BANKING CORP Vienna, Ga. 
 
President, T. H. GREGORY 
 
Vice-President, J. A. PEAVY 
 
Cashier, J. N. HARGROVE 
 
RESOURCES: 
 
Time Loans and Discounts----$ 126,949.22 
 
Demand Loans--------------United States Securities______ 
 
2,671.22 3,922.82 
 
State of Georgia Bonds--~-- 
 
nnne 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
Banking House--------------- 
 
6,500.00 
 
Furniture and Fixtures------Other Real Estate Owned___ _ 
 
2,415.00 10,280.56 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
33,887.83 871.60 
2,372.86 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
2,828.28 none 
 
Other Checks and Cash Items_ 
 
1, 732.29 
 
Letters of Credit and Accept- 
 
OOtvahenercrdersAafs-tss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_---_-__-__ 
 
nonE488.37 none 
 
----- 
 
Total ------------------------$ 194,920.05 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpivluids ed--P-r-o--fi-t-s-_-_-__-_-_-_-_-_-_-_-_-_DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ STarvuisntgFs uDndepDoespitoos-i-ts--_-_-_-_-_-_-_-_-_Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-roI-n-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_-a_-x_~_e-_s Other LiabilitieS------------- 
 
75,000.00 none 
5,000.00 13,080.63 
none 
fl(!lle 
68,932.90 none 
32,079.11 none none 827.41 none none none 
none none none none 
 
Total -----------------------~$ 194,920.05 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
THE BANK OF VIENNA Vienna, Ga. 
 
President, W. C. HAMILTON 
 
Vice-President, W. T. GILBERT 
 
Cashier, W. T. GILBERT, JR. 
 
RESOURCES: 
 
Time Loans and Discounts----$ 177,847.73 
 
Demand Loans--------------United States Securities------ 
 
,2,110.46 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bond-S------ 
 
2,938.00 
 
Banking House--------------Furniture and Fixtures______ _ 
 
none 4,000.00 
 
Other Real Estate Owned---- 11,456.20- 
 
Due from Federal Reserve 
 
D uBeafnrko m- - -O- t-h-e-r- -A- -p-p-r-o-v-e-d- -R- -e -- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other Banks_______ 
 
47,434.41 100.00 
 
Advances on Cotton______ ---- 
 
4,787.11 
 
Advances on Other Commodi-: ~:no- 
 
C ht ei ecsk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o-u- -s e- -__- -_ 
 
none 1,135.19 
 
Other Checks and Cash Items- 
 
nene 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
 
non~ 
3,489.18 
 
Other Assets----------------- 
 
none 
 
----- 
 
Total ------------------------$ 255,298.28 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits------------CTraushstierF'sunCdhDecekps _o_s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoaEnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities------------- 
Tot a~ ___ ---------------------$ 
 
50,000.00 none 
42,427.40 none none non' 
100,011.71 none 
57,367.75 none none 
428.00 63.42 
5,000.00 none none none none none 
255,298.28 
 
 "1 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Show~ng Condition at Close of Business December 28, 1923 
of the 
 
DOOLY SAVINGS BANK Vienna, Ga. 
 
President, W. C. HAMILTON 
 
Vice-President, R. E. KELLY 
 
Cashier, W. T. GILBERT, JR. 
 
- - - - -RE-SOURCES: 
Ttme Loans and Discounts----~ 
 
41,499.65 
 
Demand Loans------~-------United States Securities______ State of Georgia Bonds______ 
 
402.50 nnoonnee 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
none none 
 
Furniture and Fixtures_______ 
 
nonP 
 
Other Real Estate Owned___ _ 11,946.49 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
Vsearuvlets A.:g._e_n_t_s___a_n_d___C_a_s_h___in_ Due from Other Banks______ _ Advances on Cotton _________ _ 
 
4,844.59 none none 
 
Advances on Other Commodi- 
 
ties ----------------------C"hecks for Clearing House--- 
 
none non"! 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOvt heer rd r aAfstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
none none 
 
----- 
 
Total ------------------------$ 58,6~3.23 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuisded--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-_~_-_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check___ _ Dt>mand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_Trust Fund Deposits________ _ Cashier's Checks____________ _ Certified Checks_____________ _ Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities____________ _ 
Total ------------------------$ 
 
25,000.00 none 
11,963.34 none none none none none 
21,729.89 none none none none none none none none none none 
58,693.2~ 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
VIENNA STATE BANK Vienna, Ga. 
 
President, W. P. HEARD 
 
Vice-President, 0. L. ARNOLD Cashier, S. F. BIVINS 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 44,519.07 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
 
4,125.00 none nvne 
 
Sleek in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds-----Banking House_______________ Furniture and Fixtures_______ 
Other Real Estate Owned ___ _ 
 
none none none 496.38 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
non~ 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton _________ _ 
 
18, 720.05 none 
4,481.84 
 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--- 
 
none 773.66 
 
Other Checks and. Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
OOtvheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_- 
 
-_ 
- 
 
- 
 
284.40 
- -no-ne 
 
Total ------------------------$ 73,400.40 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check ___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_TCraus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
Total ------------------------$ 
 
25,000.00 
ll0ll8 
1,000.00 462.30 none none 
38,022.47 none 
8,568.84 none none 346.79 none none none 
none none none 
llfJTJP. 
73,400.40 
 
 Jh:PART~fl 
 
STATEJ!d.t.. 
 
Showing Condition at Close of Business :u~cember 28, 1923 
 
of the 
 
BANK OF VILLA RICA 
 
Villa Rica, Ga. 
 
President, W. B. CANDLER 
 
Vic(lPresident, J. N. WILSO::'\f 
 
Cashier, S. 0. FIELDER 
 
RESOURCES: 
TDiemmeanLdoanLso. aannsd__D__is_c__o.u:: _n_t_s_-_-_--_$ United States Securities_____ _ State of Georgia Bonds-----Stock in Federal Reserve Bank BCathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_-_- 
Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-_-__--_ 
Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and Accept- 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
174,424.29 157,638.30 
none none none 10,000.00 2,500.00 1,500.00 34,000.00 
none 
20,128.99 none none 
none none 4,933.58 
none none 1,200.31 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches {SJunrdpilvuisded--P-r-o-f-i-t-s -_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks_______________ _ 
D<>posits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks____________ _ 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptHBeoasnnedrcsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
50,000.00 none 
50,000.00 36,200.33 
none none 149,324.39 63.90 115,644.31 none 3,753.60 1,289.05 none none none 
none 49.89 none none 
 
Total ------------------------$ 406,325.47 Total ------------------------$ 406,325.47 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
MERCHANTSANDPLANTERSBANK Villa Rica, Ga. 
 
President, J. M. MOORE 
 
Vice-President, J. HENRY POPE Cashier, GEO. HARPER 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------"Cnited States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_-_Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in TluVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
Advances on Cotton---------Advances on Other Commodi- 
1ies ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOvt heerrd rAa fstsse t(si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
107,719.93 1,689. 71 none none none 750.00 1,611.31 2,943.55 6,400.00 
none 
22,495.26 none 
15,100.00 
none none 25.51 
none 1,883.91 2,108.34 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
TCrausshtieFr'sunCdheDcke,pso__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
RBeoasnnedrcsvees Bf-oo-rr-r -oI n-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_- _-e-s_ Other Liabilities____________ _ 
 
50,000.00 none 
12,5no.oo 688.47 none none 
55,828.66 none 
17,817.30 none 
1,229.27 1,330.04 
none 21.333.78 
2,000.00 
none none none none 
 
= - - = $_ :=T=:o=:t:=a:::l=-=-=-=-=-=-=-=-=--=-=-=-=-=-=-=-=-=-=-=-=--=-=$===1=6=2=,~='2=7==5=2===T=o=t=a=l==-=-=--=-=-=- -_-_-- _ - - -~=- 
 
1_{i~. ~ 
 
 .L REPORT 
 
~AXEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
CITIZENS BANK 
 
Waco, Ga. 
 
President, W. W. HEATO~ 
 
VicePresident, J. W. WORD 
 
Assistant Cashier, M. F. STAMPS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 120,093.22 
 
DUenmiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ State of Georgia Bonds_____ _ 
 
1,709.87 none none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ 
 
none none 
 
Banking House--------------- 
 
none 
 
Furniture and Fixtures------Other Real Estate Owned___ _ 
 
3,050.00 1, 750.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------Due from Other BankS------- 
 
2,640.84 none 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
C ht feecgk s - f-o- r- -C- -l-e-a-r -i n-g- - -H-o- -u-s-e------ 
 
none none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none 71.46 
 
Other Assets------------------ - -315- .07 Total ------------------------$ 129,630.46 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividend~ Unp-:tid _______ -----Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o_s_i_t______ 
CT raus hs ti e rF' su nCd hDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-rIo-n-w-tee-dr-e_-s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e- -_s 
Other Liabilities------------- 
 
15,000.00 none 
9,000.00 2,339.57 
none none 21,677.87 14,086.16 15,924.99 949.75 none 411.74 none 15,988.67 none 
none none none 34,251.71 
 
Total ------------------------$ 1-29,630.46 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, S. C. EVANS 
 
BANK OF WADLEY Wadley, Ga. Vice-President, J. D. PEACOCK 
Cashier, S. D. MANDEVILLE 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds--.---BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
Vaults --------------------Due from Other Banks------Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OOtvheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_--_ 
 
124.4Hi.99 8,320.74 rone none 1,500.00 none 3,077.30 3,853.57 6,866.95 
none 
72,729.17 26,500.00 
none 
none 870.63 
none 
ncne 35.12 3, 725.42 
 
Total ________________________ $ ~_!)_4.89 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ D<mand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Lette:s of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities_____________ 
 
25,000.00 none 
25,000.00 6,535. 79 none 6,207.81 
146,978.03 none 
31,191.18 10,283.92 
none 635.16 
none none none 
none none none none 
 
Total -----~------------------ $ 251,894.89 
 
 DEPART::\IENT OF BANKING 
 
275 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
CITIZENS BANK Warrenton, Ga. 
 
President, C. R. FITZPATRICK 
 
Vice-Presidents, E. P. DAVIS, W. E. ENGLISH 
 
Cashier, R. F. FOWLER 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----~ 154,686.05 
 
Demand Loans--------------United States Securities______ 
 
62,818.12 70,981.97 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures_______ 
 
900.00 7,149.56 2,304.60 
 
Other Real Estate Owned---- 
 
9,013.21 
 
Due from Federal Reserve 
 
D uBea fnrko m- - -O- t-h-e- r- -A- -p-p-r-o-v-e-d- -R- -e -- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlot.sm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
238,350.32 none 
 
Advances on Cotton---------- 64,140.60 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 61.57 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------- 
 
none 
 
Overdrafts (if any)----------- 
 
16.33 
 
- - - - - Other Assets----------------- 
 
450.35 
 
Total _____________________ : __ $ 610,872.68 
 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_e_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ LEtters cf Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
50,000.00 none 
25,000.00 62,250.41 
none none 313,668.93 none 2,500.00 158,644.51 none 34,431.50 14.00 none none none 363.33 none none 
610,872.68 
 
PLANTERS AND MERCHANTS BANK Warrenton, Ga. 
 
President, G. R. MANER 
 
Vice-President, W. L. SHURLEY Cashier, J. C. EVANS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 79,626.48 
 
Demand LoanS--------------United States Securities______ 
 
4,420.50 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and BondS-----Furniture and Fixtures______ _ 
 
315.00 2, 700.00 
 
Banking House--------------- 
 
1,600.00 
 
Other Real Estate Owned---- 
 
4,433.40 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
41,720.86 none 
 
Advances on Cotton---------- 
 
2,127.94 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
556.05 none 
 
Other Checks and Cash Items_ 
 
3,059.49 
 
Letters of Credit and Accept- i 
 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)------------------ -- -- 
 
none 3, 766.55 
 
- - - - Other Assets----------------- 
 
none 
 
Total ------------------------~ 144,326.27 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCEillrstifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeo.ns edrsv e Bfoorrr oI nwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities_____________ 
 
25,000.00 none 
5,000.00 148.64 
1,000.00 none 
89,097.12 none 
3,24 7.10 none 
4,506.68 1,326.73 
none 15,000.00 
:a one 
n.one none none none 
 
Total ------------------------$ 14~ 
 
 27() 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
FARMERS AND MERCHANTS BANK Warthen, Ga. 
 
President, J. H. HOOKS 
 
Vice-President, M. WARTHE~ Cashier, T. W. BEASON 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities___ _: __ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House__ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
0 aenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_- _C1ther Assets----------------- 
 
68,683.94 3,475.80 none none none 4,620.00 2,500.00 2,662.44 2,939.18 
none 
11,826.06 none none 
2,691.19 none none 
none 1,430.98 3,200.00 
 
Total -------------------------$-1_0_4_,0_2_9-.5-9 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPiel)d.yCabhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------neserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
5,000.00 3,453.20 
none none 39,247.16 none 15,002.7 4 none none 1,067.43 none 19,720.00 2,000.00 
none none none 3,539. 06 
 
Total ------------------------$ 104,029.5~ 
 
STATEMENT Showing Condition at Close of Business :Pecember 28, 1923 
of the 
 
BANK OF WARWICK Warwick, Ga. 
 
President, A. J. DAVIS 
 
Vice-President, W. D. ETHERIDGE 
 
Cashier, M. L. IVEY 
 
RESOURCES: 
 
Time Loans and Discounts----f 60,532.66 
 
Demand Loans--------------United States Securities______ 
 
885.00 none 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
none 
 
BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_-_- 
 
1,700.00 2,265.00 
 
Other Real Estate Owned---- 
 
3,200.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------- 11,235.71 
 
ADduve afnrcoems oOnthCeor tBtoann__k_s_-_-_-_-_-_-_- 
 
none none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
243.90 none 
 
Other Checks and Cash Items_ 
 
74.36 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_ -_ _- _- _- _-_- -_ 
 
none none 
 
Other 
 
A 
 
sset 
 
s- 
 
- 
 
---- 
 
- 
 
---- 
 
- 
 
---- 
 
-- 
 
- 
 
- 
 
none 
-- 
 
Total ------------------------$ 80.136.63 
 
LIABILITIJ<:S: Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvese Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T_-a_-x_-_e--s_ Other Liabilities-------~----- 
Total ------------------------$ 
 
25,000.00 none 
5,000.00 481.49 none none 
15,050.72 none 
4,176.01 none none 
428.41 none 
30,000.00 none none 
none none none 
80,136.63 
 
 DEPART~IEXT OF BAXKIXG 
 
277 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
WASHINGTON EXCHANGE BANK Washington, Ga. 
 
President, J. R. DYSON 
 
Vice-President, GARX E'l'T GREEN 
 
Cashier, ALEXAN.UER IRVIN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 319,658.10 
 
Demand Loans--------------Cnited States Securities______ 
 
none 200.00 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
2,525.00 none 
7,62&.75 
 
Other Real Estate Owned___ _ 13,138.38 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve- Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
31,155.46 
none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none 2,295.37 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances -------------------,...-. Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
20,382.90 
 
----- 
 
Total ------------------------$ 396,983.96 
 
LIABILITIES: 
 
Capital Stock Paid In ________ $. Amount Reserved for Branches USunrdpilvuisded--P-r-o~f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid____________ _ Due to Banks________________ 
 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposita_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
 
Certified Checks-------------- 
 
Bills Payable----------------Notes and Bill~ Rediscounted_ 
 
Letters of Credit and Accept- 
 
nB~osanendrcsvees 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other LiabilitieS------------- 
 
100,000.00 none 
30,000.00 2,676.14 none none 
142,7il9.23 none 
39,434.93 3,084.27 none 804.49 none 
43,000.00 4,500.00 
none none none 30,684.90 
 
Total ------------------------$ 396,983.96 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
WASHINGTON LOAN AND BANKING CO. Washington, Ga. 
 
President, T. J. BARKSDALE 
 
Vice-President, W. L. JOHNSO="' 
 
Assistant Cashier, MISS RENA M. WELSH; Cashier, T. J. BARKSDALE 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------T.:nited States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton______ ---Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash ItemsLetters of Credit and AcceptO vaenrcdersa f-t s- -(-i-f -a-n- -y-)---------------------Other Assets----------------- 
Total ------------------------$ 
 
199,678.20 none none none none 
30,500.00 none 
4,405.00 none 
none 
87,911.89 none none 
none none none 
none 1,250.20 
none 
323,7 45.29 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t -s -_-_-_-_ -_ -_ _- _- _- _-_-_- -_ 
Dividends Unpaid------------Due to BankS---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Rills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptRBeoaEnnedcrsvees Bf-oo-rr-r-Ion-w-t ee- d-r e-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
50,000.00 none 
50,000.00 20,161.93 
none none 151,432.14 52,151.22 none none none none none none none 
none none none none 
 
Tot a~ --- ---------------------$ 323,745.29 
 
 278 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
OCONEE COUNTY BANK Watkinsville, Ga. 
 
President, A. W. ASHFORD 
 
Vice-President, J. A. JOKES 
 
Cashier, C. A. ASHFORD 
 
RESOURCES: 
 
Time Loans and Discounts____ f 148,173.38 
 
Demand Loans--------------United States Securities______ 
 
3,851.95 986.89 
 
State of Georgia Bonds______ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ Banking House______________ _ 
 
225.00 none 
 
Furniture and Fixtures_______ Other Real Estate Owned___ _ 
 
3,717.45 17,824.49 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton_________ _ 
 
25,890.53 none 
2,426.89 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
126.21 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i-f -a-n-y -) _- _- -_-_-_-_-_-_-_-_-_- 
 
none 161.28 
 
Other Assets__________________ 12,702.13 
 
----- 
Total ------------------------$ ,216,086.20 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ 
Deposits Subject to Check ___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
TC"rausshtieFr'sunCdhDecekps o__s_i_t_s_-_-_-_-_-_-_-_-_- 
CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Lc:tters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
3 i ,500.00 none 
15,000.00 1,995.4 7 none none 
138,306.34 none 
8,050.00 none none 
. 113.37 none none 
15,121.02 
none none none none 
 
Total ------------------------$ 216,086.20 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
President, L. 0. BENTON 
 
COMMERCIAL BANK Waycross, Ga. Vice-Presidents, K. l<'. RYMER, P. A. HAY 
Cashier, .J. :M. NORMAN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 169,850.62 
 
Demand Loans--------------- 34,201.54 United Sta-tes Securities______ 108,350.00 
 
State of Georgia Bonds______ 
 
5,000.00 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ 
 
4,000.00 none 
 
Furniture and Fixtures_______ 
 
7,500.00 
 
Other Real Estate Owned___ _ 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
H3,970.51 
none none 
 
Advances on Other Commodi- 
 
C'htieecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none 5,815.98 
 
Other Checks and Cash Items_ 
 
282.16 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y- )- -_-_ -_ -_ _- _- _- _-_-_Other Assets ________________ 
 
-_ _ 
- 
 
- 
 
- 
 
none none 
-no-ne 
 
Total ------------------------$ 548,970.81 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits_________ 
('"ashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
50,000.00 none 
6,000.00 9,383.49 2,944.0() 
none 285,163.33 
none 57,642.95 45,849.50 
none 1,987.54 
ncne nonP none 
none none nonenon 
 
Total ------------------------$ 548,970.81 
 
 DEPARTMENT OF BANKIXG 
 
279 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF WAYNESBORO Waynesboro, Ga. 
 
President, C. W. SKINNER 
 
Vice-P1esident, E. E. CHANCE 
 
.Cashier', DADE DURDEN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 163,377.39 
 
Demand Loans--------------- 132,658.74 United States Securities______ 26,100.00 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
nonA 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none none 
 
Furniture and Fixtures_______ 
 
4.252.83 
 
Other Real Estate Owned___ _ 
 
9,103.80 
 
Due from Federal Reserve 
 
D uBea nf rko m- - -O- -t h-e- r- -A- -p-p-r-o-v-e-d- -R- -e-- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
28,286.30 none 
 
Advances on Cotton__________ 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o--r --C-l-e-a-r-i-n-g--H--o-u-se-_-_--_ 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y-)--_-_-_-_-_-_-_-__-_--_ Other Assets ________________ _ 
 
none 688.86 
none 
 
----- 
 
Total ------------------------$ 364,467.92 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
CT raus hs ti e rF' su nCd hDe cekps _o_s_i_t s_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee-d-re-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ Other Liabilities____________ _ 
 
50,000.00 none 
35,000.00 6,484.62 80.00 none 
99,922.98 8,982.88 none 
163,024.55 none 
972.89 none none none 
none none none none 
 
Total ------------------------$ 364,467.92 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the CITIZENS BANK Waynesboro, Ga. 
 
President, J. H. WHITEHEAD 
 
Vice-President, HENRY W. BLOUNT 
 
Cashier, HENRY W. BLOUNT 
 
RESOURCES: 
 
Time Loans and Discounts----f 237,090.13 
 
Demand Loans--------------United States Securities______ 
 
64,521.43 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank Other Stocks and Bonds______ 
 
. none 2,690.00 
 
Banking House--------------Furniture and Fixtures______ _ 
 
21,000.00 3,315.00 
 
Other Real Estate Owned___ _ 13,175.54 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
LuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
68,394.58 none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items- 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)----------- 
 
none none 
 
Other 
 
Ass 
 
et 
 
s 
 
--- 
 
--- 
 
--- 
 
-- 
 
--- 
 
---- 
 
- 
 
none 
-- 
 
Total ------------------------$ 410,186.68 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid_____________ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit- __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
Ce-rtified Checks-------------B;lls Payable----------------Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-roI-n-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x-_~_e-s_ Other Liabilities____________ _ 
 
25,000.00 none 
40,000.00 13,175.54 
130.00 none 
327,275.64 3,000.00 none none none 1,605.50 none none none 
none none none none 
 
Total ------------------------$ 410,186.68 
 
 280 
 
FontTH .\x:c\T.\L REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
WAYNESBORO SAVINGS BANK Waynesboro, Ga. 
 
President, J. H. WHITEHEAD 
 
Vice-Pr<>sidcnt, F. II. BLOU)i'l' 
 
Cashier, S. A. GRAY 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds_____ _ 81 ock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and AcceptOvaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ 
Gther Assets----------------- 
Total ------------------------$ 
 
88,703.59 none none none 
405.00 500.00 
none none 15,465.95 
none 
9,409.27 25,500.00 
none 
none none none 
none none none 
139,983.81 
 
LIABILITIES: 
Capital Stock Paid In ________ $ Amount Reserved for Branches U~unrdpilvuisd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-tee--dre-_-s_-t_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
15,000.00 none 
15,000.00 7,017.05 none none none 
ll0ll8 
none 102,966.76 
none none none none none 
none none none none 
 
rota! ------------------------$ 139,983.81 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
CITIZENS BANK 
 
West Point, Ga. 
 
Presicl'ent, J. A. AVARY 
 
Vice-President, R. 0. FREEMAN 
 
Vice-President and Cashier, A. B. DIXON 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 353,860.20 
 
Demand Loans--------------United States Securities_____ _ 
 
3,193.20 846.00 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
3,600.00 
 
BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ 
 
1,620.00 none 
6,767.72 
 
Other Real Estate Owned ___ _ 
 
1,859.23 
 
Due from Federal Reserve 
 
Bank ----------------~----- 
 
8,6R9.36 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
39,169.04 n..Jne nc\ne 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 10,626.74 
 
Other Checks and Cash Items_ 
 
1,449.54 
 
Letters of Credit and Accept- 
 
ances ------------------ -Overdrafts (if any)----------- 
 
none none 
 
Other Assets----------------- 
 
none 
 
---- 
 
Total ------------------------$ 431,681.03 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
 
SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o_R__iL__- _. 
 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks______________ Rills Payable ________________ _ 
 
Notes and Bills Rediscounted_ 
 
Letters of Credit and Accept- 
 
RBeoasnnedcrsvese 
 
-------------------~- 
BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
 
Other LiabilitieS------------- 
 
100,000.00 none 
20,000.00 8,339.50 none none 
208,753.58 none 
8,250.00 82,171.47 
none 4,010.13 
156.35 none none 
none none none none 
 
Total --------------------- ___ $ 431,681.03 
 
 ___________________ _ DEPART::\fEXT 0~' BA:'\KING , _________2S_I_ 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
BANK OF WESTON 
 
Weston, Ga. 
 
!'resident, G. W. SDIS 
 
Yire-President, 11. .f. LEVERET'l' 
 
Cashier, S. W. ADAMS 
 
RESOURCES: 
 
LIABILITIES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
 
134,034.37 none 
 
united States Securities_____ _ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHclo<us saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ 
 
none 1,930.00 1,797.00 
3,380.00 
 
DPe from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann_k__S_-_-_-_-_-_-_- 
 
12,470)6 
none 239.15 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 251.50 
 
Other Checks and Cash Items_ 
 
24.17 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
none 2.00 
 
- - - - - Other Assets_________________ 
 
120.00 
 
Total ------------------------$ 154,268.35 
 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ D<>mand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CTraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
:25,000.00 none 
5,000.00 4,285.83 
184.00 ?.,OOO.UO 29,903.SO 3,500.00 50,242.61 
969.7S none 
1,362.?.0 none 
8,000.00 none 
none none none 22,820.00 
 
Total ------------------------$ 154,268.35 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
MERCHANTS AND PLANTERS BANK Whigham, Ga. 
 
President, T . .T. MILLS 
 
Yiee-President, 'R. S. KENXEMUR Cashier, R. S. KENNEMUR 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
 
45,741.45 none 
 
united States Securities------ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 4,000.00 
 
Furniture and Fixtures------Other Real Estate OwneiL __ _ 
 
3,307.29 none 
 
Due from Federal Reserve 
 
Bank -------~-------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
LuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
18,132.40 none none 
 
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- -__- -_ 
 
53,607.90 764.54 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
ances --------------------Overdrafts (if any)___________ 
 
none J 82.17 
 
- - - - Other Assets----------------- 
 
2,540. 59 
 
Tot a I ------------------------$ 128,27~.?.4 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches SUunrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_ -_ -..-_-_-_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ CBeilrltsifPieadyaCbhleec_k_s_-_-_-_~_-_-_-_-_-_-_-_-_-_-_ 
Notes and :Sills Rediscounted_ Letters of Cre.lit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
15,000.00 none 
1,500.00 6.10 
none none 80,072.68 none 20,065.84 none none 1,631.72 none 10,000.00 none 
none none none none 
 
Total ________________________ $ 128,276.3~ 
 
 282 
 
FouRTH ANNUAL REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
 
 
BANK OF WHITE PLAINS 
 
White Plains, Ga. 
 
President, W. C. DAVIDSON 
 
Cashier, 1<~. A. TAPPAN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 87,973.13 
 
Demand Loans--------------- 
 
7,255.71 
 
United States Securities------ 
 
700.00 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds------ 
 
225.00 
 
Banking House--------------- 
 
3,500.00 
 
Furniture and Fixtures------- 
 
1,660.00 
 
Other Real Estate Owned---- 
 
none 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 
 
21,818.94 none 
 
Advanc"!s on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none 328.72 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ -_ _- _- _- _-_-_- -_ Other Assets ________________ _ 
- 
 
- 
 
none 
167.44 
- -no-ne 
 
Total ------------------------$ 123,628.94 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
20,000.00 none 
2,216.04 6,874.35 
none none 53,680.29 none 6,100.00 none 214.14 585.85 none 13,000.00 none 
none none none 20,958.27 
 
Total ------------------------$ 123,628.94 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE PLANTERS BANK White Plains, Ga. 
 
President, C. C. KIN-G 
 
Vice-President, C. 0. COPELAN Cashier, C. S. COPELAN 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------~ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ _- _- _-_-_-_-_- -_ Other Assets_________________ 
Total ------------------------$ 
 
52,121.62 none none none none none 
2,400.88 2,410.17 
850.98 
none 
3,055.26 406.50 none 
none 227.81 
none 
none none 140.00 
61.613.22 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------C',.shier's Creeks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Letters of Credit ancl Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
Total ------------------------$ 
 
15,000.00 none none 
1,961.69 none none 
4,222.52 none 
27,952.8:{ none none 
164.1S none 
12,312.00 none 
none none none none 
f>1.613.22 
 
 DEPARTMENT OF BANKING 
 
283 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
 
of the 
 
WHITESBURG BANKING CO. 
 
Whitesburg, Ga. 
 
Vice-President, T. W. CAMP, Act. Pres. 
 
Cashier, C. B. LASSETTER 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 22,718,90 
 
Demand Loans--------------United States Securities______ 
 
5,000.00 none 
 
State of Georgia Bonds______ Steck in Federal Reserve Bank 
 
none none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ 
 
none 1,529.70 '2,440.18 
 
Other Real Estate Owned---- 
 
575.05 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
 
10,133.96 
non' none 
 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-r-in-g---H-o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items_ 
 
393.73 
 
Letters of Credit and Accept- 
 
flnces --------------------Overdrafts (if any)___________ 
 
none none 
 
Other Assets_________________ 
 
370.43 
 
----- 
 
Total ------------------------$ 43,191.95 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit ___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Letters of Cre,lit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Total ------------------------$ 
 
15,000.00 none 
10,000.00 63.22 none none 
16,991.01 none 
nonf~ 
none 1,111.22 
23.50 none none none 
none nnne none nonE' 
43,191.95 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF WILLACOOCHEE 
 
Willacoochee, Ga. 
 
President, J. A. GASKINS 
 
Vice-President, J. E. GASKINS 
 
Cashier, J. A. McGREGOR 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_S_-_-_-__--_ 
Furniture and Fixtures_-----Other Real E,state Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in Vaults -------------------DAudevafnrcoems oOnthCeor tBtoann_k__S_-_-_-_-_-_-_- 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets----------------- 
Total ------------------------$ 
 
99,101.73 2,017 :H none none none none 5,000.00 1,915.50 61.50 
none 
none 6,341.9S 
none 
none 1,584.57 
8n.2o 
none none 2,047.71 
11 8, 9 r.s.o:: 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ Trust Fund Deposits ________ _ Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Letters uf Credit and Accept- 
ances --------------------RBeosnedrsveBfoorrroInwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
25,000.00 none none 
2,881.94 none none 
21,014.75 none 
55,748.38 ncne none 74.24 none 
14,000.00 none 
none none nonP 248.72 
 
Total ------------------------$ 11 8,%R.~2 
 
 284 
 
Fonnn ..L'IXL\L REPORT 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
of the 
 
MERCHANTS AND FARMERS BANK 
 
Willacoochee, Ga. 
 
President, B. G. OBERRY 
 
Vice-Presidents, J. J\L RO'BER'rS, HENRY PAULK 
 
Cashier, DAN WALL 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D_i_s_c_o_u_n_t_s_-_-_-_-_~ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve 
Hank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and AcceptO vaenrcdersa f t-s- -(-i f- -a-n-y-)- -_-_ -_ -_ _- _- _- _-_-_- -_ 0ther Assets-----~----------- 
Total ------------------------$ 
 
129,943.38 1, 70R.S"I none none none none 2,400.00 2,951.70 407 03 
none 
30,545.35 7 40.48 none 
nonfl' 105.00 279.94 
nJne none none 
169,082.75 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-__-_-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check---Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits________ _ Cashier's Checks____________ _ Certified Checks-------------Bills Payable---~------------ Notes and Bills Rediscounted_ Letters. of Credit and AcceptRBeoasnendrcsveesBf-oo-rr-roI-n-w-tee-dr-e-_s_-t_-_-a_-n_-d_-_-T_-a_-x_-_e-s-_ Other Liabilities------------- 
 
18,000.00 none 
7,500.00 11,032.20 
none none 48,84 3.99 none 76,050.39 none none 88.70 none 7,500.00 none 
none none none 67.-!7 
 
Total ------------------------$ 169,0~~-'" 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF WILLIAMSON Williamson, Ga. 
 
President, I. B. HOWARD 
 
Vice-President, C. A. YARBROUGH Cashier, P. W. VAUGHN 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s________ $ 
United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ 
 
87,704,67 
15,246.45 
7,700.00 none none 
450.00 5,000.00 
2,455.S2 
7,811.2~ 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B--a-n-k-s-_-_-_-_-_-_--_ 
 
10,11~.91 
none 
 
Advances on Cotton---------Advances on Other Commodirhteicesks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
1,o1q.o2 
280.00 none 
 
Other Checks and Cash Items_ Letters of Credit and Accept- 
 
none 
 
O vaenrcdersa f-t s- -(-i-f -a-n-y-)-_-_-_-_-_-_-_-_- _- -_-_ 
 
1,6n9o3n.4e3 
 
Other Assets_________________ 
 
5,186.37 
 
----- 
 
Total ------------------------$ 144,725.46 
 
LiABILITIES: 
Capital Stock Paid. In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ 
Deposits Subject to Check---Demand Certificat<>s of Dtlposit STaimvien- gCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
ECi\lrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ 
Other Liabilities------------- 
 
25,000.00 none 
5,000.00 none none 
2,500.00 
36,366.80 none 
13,646.23 54,377.65 
none 134.78 
none nonE' none 
nr.ne none none 7,700.00 
 
'J'c.ta I ------------------------$ 144,725.46 
 
 DEPART).fEXT OF TIA:'\1\.L\C< 
 
285 
 
---------------------------------------------------------------------- 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
:FARMERS BANK 
 
President, R. J. SMITH 
 
Winder, Ga. Yiee-PTesidcnts, JOHN L. HARRIS, JOHN A. THO:\IPSON 
Cashier, P. C. PJ<JNTECOST 
 
_ _ _ _ _ ____:R~E_S_::_OURCES: 
Time Loans and Discounts____ $ Demand Loans--------------Ur>ited States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds------Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ Advances on Cotton _________ _ 
Advances on Other Commodities -----------,------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ (ther Assets_________________ 
 
175,380.80 53.22 none none 
1,800.00 none none 
9,217.18 none 
8, 771.06 
23,516.29 none none 
none 573.71 198.68 
none 211.58 1,037.29 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d__-_--_-_-_:-_-_-_-_-_-_-_Deposits Subject to Check___._ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDeecpkoss_i_t_s_-_-_-_-_-_-_-_~_-_ 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-oIn-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x-_-_e-s_ 
Other Liabilities------------- 
 
50,000.00 none 
8,500.00 2,183.46 
nonH 1,567.56 95,427.11 
none 36,483.29 
4,308.44 7,181.06 1,116.09 
75.00 none l:l,917.80 
ll'1llf" 
non~? 
llCll0 
none 
 
Total ------------------------$ 220,759.81 Total ------------------------$ 220,759.81 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
NORTH GEORGIA TRUST AND BANKING CO. 
 
Winder, Ga. 
 
President, A. A. CAMP 
 
Vice-Presidents, J. T. STRAJ'\GE, A. M. STEWART 
 
Cashier, W. F. HUBBARD 
 
RESOURCES: 
 
Time Loans and Discounts----$ 673,010.27 
 
Demand Loans---------------  3,621.84 
 
United States Securities______ 
 
none 
 
State of Georgia BondS------ 
 
none 
 
Stock in Federal Reserve Bank 
 
6, 750.00 
 
Other Stocks and Bonds------ 
 
1,500.00 
 
Banking House--------------- 19,130.54 
 
Furniture and Fixtures------- 21,822.10 
 
Other Real Estate Owned___ _ 11,250.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
ruVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ Advances on Cotton__________ 
 
651.75 none none 
 
Advances on Other Commodi- 
 
Chteiecsks --fo--r--C-l-e-a-r-i-n-g--H--o-u-s-e--__--_ 
 
none none 
 
Other Checks and Cash Items- 
 
151.66 
 
Letters of Credit and Accept- 
 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-__-_--_ Other Assets_________________ 
- 
 
- 
 
- 
 
- 
 
none 3,187.67 
- - -n-o-n-e 
 
Total ------------------------$ 741,075.83 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptReasnercvees f-o-r--In--te-r-e-s-t--a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
 
200,000.00 none 
24,000.00 5,184.59 96.00 8,269.11 
73,585.32 none 
22,008.04 11,249.22 
ncne 117.59 
none 57,667.11 337,597.63 
none none none 1,301.22 
 
Total ------------------------$ 741,075.8:1 
 
 286 
 
FouRTH AxNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
PITTARD BANKING CO. Winterville, Ga. 
 
President, J. T. PITTARD 
 
Vice-President, D. H. WINTER Cashier, H. F. PITTARD 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s________ $ 
 
31,973.05 688.43 
 
United States Securities------ 
 
9,925. 79 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
1,100.00 
 
BOathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_-_Furniture and Fixtures______ _ 
 
495.00 
none 1,834.11 
 
Other Real Estate Owned---- 
 
40.58 
 
Due from Federal Reserve 
 
DuBeafnrkom---O--th'-e-r--A-p--p-r-o-v-e-d--R-e--- 
 
5,404.0G 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
54.206.55 nonf' none 
 
Advances on Other Commodi- 
 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
371.00 none 
 
Other Checks and Cash Items_ 
 
222.77 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_- 
 
-n,oonnee 
 
Cther Assets_________________ 
 
3,600.00 
 
----- 
 
Total ------------------------$ 109,862.16 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other LiabilitieS------------- 
 
25,000.00 none 
11,000.00 3,110.79 nnne none 
42,128.63 none 
15,399.13 none 
12.971.08 252.53 none none n0ne 
none uone none 
~1one 
 
Total ------------------------$ 109,862.16 
 
STATEMENT Sho.wing Condition at Close of Business December 28, 1923 
of the 
 
PEOPLES BANK Woodbury, Ga. 
 
President, W. J. SMITH 
 
Vice-President, H. W. CLEMENTS Cashier, J. B. DODD 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ State of Georgia BondS-----. Stock in Federal Reserve Bank BOathnekrinSgtoHckous saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due from Federal Reserve DuBeanfrkom---O--th-e--r -A--p-p-r-o-v-e-d--R--e-- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ Advances on Other Commodi- 
Chteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------Overdrafts (if any)----------Other Assets----------------- 
Total ------------------------$ 
 
149,961.07 2,541.00 .'lone none none 950.00 2,499.04 2,837.50 
11,083.85 
non~ 
16,991.15 427.08 
3,241.22 
ncne 4,880.57 
none 
none 148.77 7,674.82 
203,236.07 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ DDiuvei dteon dBs aUn knsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit- __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o__s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsve se Bf-oo-rr-r Io-n-w-t ee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a_-x_- _-e-s_ Other Liabilities_____________ 
 
15,000.00 none 
1,000.00 none none 
6,000.00 95,707.32 30,500.00 34,740.50 
none nonP.. 288.25 none 20,000.00 none 
none none none none 
 
Total ------------------------ f 203,236.07 
 
 DEPART~IENT OF BANKIXG 
 
287 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
THE WOODBURY BANKING CO. 
 
Woodbury, Ga. 
 
J'1esident, J. D. SUTTON 
 
Vice-President, J. W. WILLIAMS 
 
Cashier, S. P. WILBURN 
 
RESOURCES: 
 
LIABILITU:S: 
 
Time Loans and Discounts--- ~ Du neimt eadn dS tLa toeas nSs e- -c-u-r-i -t i-e-s-_-_-_-_-_-_- 
State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_ AdYances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
O vaenrcdersa f t-s- -(-i f- -a-n- -y-)---------------------Other Assets----------------- 
 
Total 
 
------$ 
 
100,283.90 21,039.64 none none none none none 3,736.73 90.00 
8,674.06 
28.00 23,271.32 
none 
1,026.97 1,871. 78 
none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
US unrdpilvuiyd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid_____________ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _C~:rtified Checks _____________ _ 
Bills Payable----------------Notes and Bills RediscountedLetters of Credit and AcceptRBEoa-nsndecrsveesBf-oo-rr-rI-on-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a_-x_-_-e-s_ 
Other Liabilities------------- 
 
none none 
I none 
160,022.40 Total -- --------~------------$ 
 
23,400.00 none 
10,000.00 10,912.06 
none none 65,537.45 4,130.00 46,007.04 none none 35.85 none none none 
none none none none 
160,022.40 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 of the 
 
THE FARMERS BANK Woodcliff, Ga. 
 
President, L. 0. BENTON 
 
Vice-Presidents, II. II. PARKER, W. II. COHEN Cashier, T. G. HARRIS 
 
RESOURCES: 
 
Time Loans and Discounts----$ 36,498.32 
 
Demand Loans--------------United States Securities-----State of Georgia Bonds______ 
 
none none none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-- Furniture and Fixtures_____, 
 
none 850.00 1,150.00 
 
Other Real Estate Owned---- 11,416.16 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--t-h-e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ Advances on Other Commodi- 
 
3,655.87 none none 
 
ties ----------------------Checks for Clearing House--- 
 
none none 
 
Other Checks and Cash Items_ 
 
115.60 
 
Letters of Credit and Accept- 
 
O vaenrcdersa f t-s- -(-i f- -a-n-y-)-_-_-_-_-_-_-_-_-_-_-_Other Assets_________________ 
 
n6o2.n6e1 5,306.78 
 
----Total ------------------------$ 59,055.34 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit 'l'ime Certificate of DeposiL-Savings DepositS------------Trust Fund Deposits_________ Cashier's Checks_____________ C<rtified Checks-------------Bills Payable----------------Notes and Bills RediscountedLetters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities------------- 
Toto! ------------------------$ 
 
25,000.00 none 
5,000.00 none none none 
9,163.05 none 
12,630.01 none none 
151.06 none 
7,108.22 none 
none none none none 
59,055.34 
 
 ---------------------------------- 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
WOODLAND BANK 
 
Woodland, Ga. 
 
President, S. F. IVOODALL 
 
Yiee-President, H. T. WOODALL Cashier, M. H. KING 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts___ $ DUenmiteadndStLatoeasnSse--c-u-r-it-i-e-s-_-_-_-_-_-_State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House______________ _ Furniture and Fixtures_______ 
Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-__-_--_ Advances on Cotton---~----- Advances on Other Commodi- 
ties ----------------------(~becks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
OOvtahenercrdersAafst-ss-e-t(-sif-_-_a-_n-_-_y-_)-_--_--_--_--_--_--_-_--_--_----_ 
 
52,209.13 1,315.00 none none none none 2,000.00 1,500.00 none 
none 
25,505.98 none 
4,011.98 
none none 69.10 
none none none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-__--_ Dividends Unpaid____________ _ Due to Banks_______________ _ 
Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------'Cl'arushsiterF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified CheckS-------------Bills Payable----------------Notes and Bills Rediscounted_ Letters of Credit and Accept- 
ances --------------------RBeosnedrsve BfoorrrIonwteedre_s_t__a_n_d__T_a_x__es_ Other Liabilities____________ _ 
 
15,000.00 none 
10,000.00 1,237.64 340.SO none 
49,273.16 none 
10,617.7 4 none none 
115.75 26.10 none none 
none none none none 
 
Total ------------------------$ 86,611.19 Total ------------------------$ 86,611.19 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF WOODSTOCK Woodstock, Ga. 
 
President, J. H. JOHNSTOX 
 
Vice-President, S. L. JOHNSTON 
 
Cashier, W. L. DuPREE 
 
RESOURCES: 
Time Loans and Discounts----~ Demand Loans--------------- United States Securities______ State of Georgia Bonds______ Steck in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n_d_s_-_~_-_-_-_-_ Furniture and Fixtures_______ Other Real Estate Owned---Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-__-_-_--_ 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_ Letters of Credit and Accept- 
ances --------------------OOtvheerrdrAafstsset(sif__a_n__y_)_-_-_-_-_-_-_-_-_-_-_- 
Total ------------------------$ 
 
52,348.48 6;292.19 2,600.00 none none 840.00 3,168.83 2,080.61 1,500.00 
none 
54,5-10.7 4 none none 
none none none 
none none none 
123,370.85 
 
LIABILITIES: 
Capital Stock Paid In--------$ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ :Cividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ 
TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified CheckS-------------Bills Payable----------------Notes and Bills RediscountedLetter,! of Credit and Accept- 
anees --------------------RBeesnedrsv e Bf oo rr rIonwteedr e_s_t_ _a_n_d_ _T_a_x_ _e s_ Other Liabilities____________ _ 
 
25,000.00 none 
14,B79.32 1,680.69 none none 
72,151.64 none 
10,384.20 none none 75.00 none none none 
none none none none 
 
Total -------------------------$ 123,370.85 
 
 DEPARTMENT OF BANKING 
 
289 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
WOOLSEY BANK 
 
Woolsey, Ga, 
 
President, R. P. MINTER, 
 
Vice-President, C. E. FORTSON Cashier, W. L. BURCH 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from F'ederal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
AdYances on Other Commodi- 
ties ----------------------Checks for Clearing House--Other Checks and Cash Items_ Letters of Credit and Accept- 
Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_-_-_ Other Assets_________________ 
 
61.341.53 2,935.37 none none none 
~15.00 
1,406.82 1, 798.00 13,101.90 
none 
7,791.50 none none' 
645.48 47.56 48.28 
none 160.70 420.50 
 
Capital Stock Paid In--------$ Amount Reserved for Branches US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
BC(illrstifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedrcsveesBf-oo-rr-r-oIn-w-tee-dr-e-_s-_t-_-_a-_n-_d-_-_T-_a-_x_-_-e-s_ 
Other Liabilities------------- 
 
15,000.00 none 
10,000.00 3,011.56 none none 
33,724.48 none 
13,4~6.63 
none none 37.32 none 14,802.65 none 
none none none none 
 
Total ------------------------$ 90,012.64 Total------------------------$ 90,012.64 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, G. S. F AR,MER T. C. ELLIS 
 
THE CITIZENS BANK Wrens, Ga. 
Vice-Presidents, A. J. HOWARD, 0. G. FLORENCE, Cashier, JAMES L. WIMBURN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 117,854.52 
 
Demand Loans--------------United States Securities______ 
 
4,380.35 none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
none 2,000.00 
 
Furniture and Fixtures------- 
 
2,000.00 
 
Other Real Estate Owned___ _ 
 
9,015.65 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ Advances on Cotton__________ 
 
4,166.1~ 
1,943. 71 none 
 
Advanees on Other Commodi- 
 
Chteiecsks--fo--r -C--l-e-a-r-in-g---H-o--u-s-e------ 
 
306.71 none 
 
Other Checks and Cash Items_ 
 
none 
 
Letters of Credit and Accept- 
 
OOvtahenercrdersAafst-ss-e-t(s-if_--_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_-~_---_ 
 
none 116.05 
none 
 
----- 
 
Total ------------------------$ 141,784.11 
 
LIABILITIES: 
Capital Stock Paid In________ f Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ DE-mand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_- 
Cntified Checks-------------Bills Payable ____ ------------Notes and Bills RediscountedLetters of Credit and AcceptRBeoasnnedcrsvees Bf-oo-rr-r-Ion-w-te-e-dre-_-s_-t_-_a-_n-_d-_-_T-_a-_-x_-_e-s_ 
Other Liabilities------------- 
 
25,000.00 none 
10,000.00 6,156.33 n0ne none 
39,331.00 none 
29,478.67 none none 
71 3.4~ none 
31,104.68 none 
none none none none 
 
Total ------------------------1 141,784.11 
 
 2!)0 
 
STATEMENT Showing Condition at Close of Business Decem-ber 28, 1923 
of the 
 
WRENS BANK 
 
President, ALEX A VERA 
 
Wrens, Ga. Vice-President, J. l\L ADAMt:l 
Cashier, R. L. PATRICK 
 
R E S O U R-C-E ~ S : --------.------L-I A~B~I L~I T=I J=< ;=S :=~----~ 
 
Time Loans and Discounts----$ 88,271.00 Capital Stock Paid In--------$ 15,000.00 
 
Demand Loans--------------li~>ited States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-__-_-_--_ 
 
2,020.00 none none none 
3,844.88 2,000.00 2,200.00 
none 
none 
23,425.15 344.13 
 
Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of DeposiL-S'l'arvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks_____________ 
CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ 
 
none 4,000.00 
1,220.80 
192.00 none 
73,915.93 none 
26,558.38 none none 
492.15 none 
5,000.00 none 
 
Advances on Cotton---------- 
 
none Letters of Credit and Accept- 
 
Advances on Other CommodiChteiecsks -f-o-r--C--l-e-a-ri-n-g---H-o-u-s-e--__--_ 
 
none none 
 
HBeoasnnedcrsvese Bf-oo-rr-r-Io-nw-t-ee-dr-e_-s_-t_-_a-_n-_d-_-_T-_-a_-x_-_e-s_ 
 
none none none 
 
Other Checks and Cash Items_ 
 
none Other LiabilitieS------------- 
 
nunc 
 
Letters of Credit and Accept- 
 
OOtvahenercrdersAafst-ss-e-t(s-if-_-_a-_n-_-_y-_)-_--_--_-_--_--_--_--_--_--_----_ 
 
none 
257.88 4,046.22 
 
Total ------------------------$ 126,409.26 Total ------------------------$ 126,409.26 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF WRIGHTSVILLE Wrightsville, Ga. 
 
President, E. A. LOVETT 
 
Viee-Presidcnts, J. H. ROWLAND, W. C. TOMPKI~S 
 
Cashier, R. L. KENT 
 
RESOURCES: 
 
DTiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ 
 
1fi3,46!J.13 32,31\1.39 
 
United States Securities______ 45,348.34 
 
State of Georgia Bonds _____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
 
450.00 4,000.00 
 
Furniture and Fixtures______ _ 
 
1,865.19 
 
Other Real Estate Owned___ _ 
 
800.00 
 
Due from Federal Reserve 
 
Bank ---------------------Due from Other Approved Re- 
 
none 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r--B-a-n-k--s-_-_-_-___--_ 
 
39,52::>.36 none 
 
Advances on Cotton---------- 36,031.90 
 
Advances on Other Commodi- 
 
r.ies ----------------------- 
 
none 
 
Checks for Clearing House __ _ 
 
3,8~6.95 
 
Other Checks and Cash Items_ 
 
non~ 
 
Letters of Credit and Accept- 
 
ances --------------------O0lvheerrdrAafstsset(sif__a_n__y_)_-_-_-_7 _-_----------- 
 
none none none 
 
---- 
 
Total ------------------------$ 317,708.~6 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_Trust Fund Deposits________ _ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Letters of Credit and AcceptRBeoasnnedrcsvees Bf-oo-rr-rIo-n-w-tee-dr-e-_s-_t-_-_a-_n-_d-__-T_-a_-x_-_e--s_ Other Liabilities____________ _ 
 
25,000.00 none 
65,000.00 4,839,91 none none 
185,417.83 none 
36,312.43 none none 
1,13S.09 none none none 
none none n0ne none 
 
Total ------------------------$ 317,708.~6 
 
 291 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
EXCHANGE BANK OF WRIGHTSVILLE 
 
Wrightsville, Ga. 
 
Presichmt, P. B. BEDINGFIELD 
 
Vice-President, J. :M. MASO~ 
 
Cashier, E. E. DALEY 
 
RESOURDES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_-_Furniture and Fixtures_______ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in DuVeaufrlotsm -O--t-h-e-r--B-a-n-k--s-_-_-_-_-__--_: Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks for Clearing House __ _ Other Checks and Cash Items_ Letters of Credit and Accept- 
ances --------------------OO vt heerrd rAa fstsse tI si f_ _a_n_ _y_)_-_-_-_-_-_-_-_-_-_- -_ 
 
138,621.67 55,939.14 16,290.20 none none 450.00 9,000.00 non> 11,768.05 
none 
57,644.19 none 
32,805.23 
14,487.46 3,613.33 
none none none 
 
LIABILITIES: 
Capital Stock Paid In________ $ Amount Reserved for Branches US ur :rdpilvuisd e d- -P-r-o-f-i-t -s -_-_-_-_ -_ -_ _- _- _- _-_-_- -_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Tnne Certificate of DeposiL-Savings Deposits_____________ 
CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
Notes and Bills Rediscounted_ Leotters of Credit and Accf!pt- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed------------Other Liabilities------------- 
 
35,000.00 none 
35,000.00 6,784.48 none none 
211,139.97 none 
52,500.87 none none none 
193.95 none none 
n0ne 
ll'JllC 
none none 
 
Total ------------------------~ 340,619.27 Total ------------------------~ 340,619.27 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
President, W. H. HALEY 
 
FARMERS BANK Wrightsville, Ga. 
Vice-President, R. R. :MARTIN Cashier, R. B. BRYAN 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Federal Reserve 
Bank ---------------------Due from Other Approved Re- 
serve Agents and Cash in 
DuVeaufrlotsm -O--t-h-e'r--B--a-n-k-s-_-_-_-_-_-_--_ Advances on Cotton _________ _ 
Advances on Other Commodi- 
ties ----------------------Checks for Clearing House __ _ Other Ch<>cks and Cash Items_ Letters of Credit and Accept- 
C :ayne cr dersa f t-s- -(-i f- -a-n-y- )- -_-_-_-_-_ -_ _- _- _-_- -_ Other Assets ________________ _ 
 
104,704.60 12,066.24 541.84 none none none 8,500.00 4,896.20 3,400.00 
none 
14,119.60 none none 
9,392.79 1,818.53 
none 
none none none 
 
Capital Stock Paid In--------$ Amount Reserved for Branches 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid_.________ ---Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_it_-_-_- 
CT ar us hs ti e rF' su nCdh <Dl cekps _o_s_i_t s_ -_-_-_-_-_-_-_-_- 
CB ei lrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Notes and Bills RediscountedLetters of Credit :otnd Accept- 
ances --------------------Reserve for Interest and Taxes Bonds Borrowed____________ _ Other Liabilities_____________ 
 
47,000.00 none none 
2, 749.51 none none 
63,046.86 none 
27,159.68 none none 
583.75 none 
18,900.00 none 
none none none none 
 
~---- 
=T~o=t=a=l=-=-=-=-=-=-=-=-=--=-=-=-=-=-=-=-=-=-=-=-=--=-=~===1~59,.4~=9=.8~0====T~o~t=a=l=-~-~-~-=-=-=-=-=-=-=-=--=-=-~-~-~-=-=-=-=-=-=-=~==1=5=9==4=3=9.=8=0 
 
 292 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
YATESVILLE BANKING CO. Yatesville, Ga. 
 
President, P. F. BROWN 
 
Vice-President, A. D. WILLIAMS 
 
Cashier, R. D. HIGGINS 
 
RESOURCES: 
 
LIAB1LITIES: 
 
Time Loans and Discounts........ $ 57,720.13 
 
DUnemiteadndStLatoeasnSse--c-u-r-it-i-e-s-_-_-_-_-_-_- 
 
111.07 none 
 
State of Georgia Bonds............ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds............ 
 
none 
 
Banking House--------------Furniture and Fixtures______ _ 
 
2,000.00 1,975.00 
 
Other Real Estate Owned---- 
 
290.00 
 
Due from Federal Reserve 
 
Bank ---------------------- 
 
none 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
Vaults -------------------ADduve afnrcoems oOnthCeor tBtoann_k_s__.._.._.._.._.._.._.. 
 
7,534.95 none 
2,209.66 
 
Advances on Other Commodi- 
 
ties ----------------------Checks for Clearing House...... 
 
none 1,552.33 
 
Other Checks and Cash Items.. 
 
1,318.82 
 
Letters of Credit and Accept- 
 
- - - - - Ovaenrcdersaft-s--(-i-f -a-n-y--) -_-_-_-_-_-_-_-_-_~_-_ 
Other Assets .. _______________ _ 
 
none 7 47.60 
none 
 
Total ------------------------$ 75,459.56 
 
Capital Stock Paid In--------$ Amount Reserved for Branches Surplus ---------------..----Undivided ProfitS------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check........ Demand Certificates of Deposit 'l'lme Certificate of Deposit...... Savings DepositS------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted .. Letters of Credit and AcceptReasnecrvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
Total ------------------------$ 
 
17,500.00 none 
3,500.00 2,011.39 
none none 29,661.19 none 12,013.76 none none 137 .30 none 10,415.12 none 
none none none 220.80 
75,459.56 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
of the 
 
BANK OF ZEBULON Zebulon, Ga. 
 
President, W. J. FRANKLIN 
 
Vice-President, P. J\L SuLLIVAN 
 
Cashier, C. R. GWYN 
 
RESOURCES: 
 
Time Loans and Discounts----$ 92,073.47 
 
Demand Loans--------------- 
 
none 
 
United States Securities............ State of Georgia Bonds------ 
 
n.oonoo.onoe 
 
Stock In Federal Reserve Bank 
 
1,150.00 
 
Other Stocks and Bonds------ 
 
1,981.02 
 
Banking House--------------Furniture and Fixtures______ _ 
 
10,000.00 4,500.00 
 
Other Real Estate Owned........ 
 
4,162.60 
 
Due from Federal Reserve 
 
Bank ---------------------- 12,959.53 
 
Due from Other Approved Re- 
 
serve Agents and Cash in 
 
DuVeaufrlotsm -O--th--e-r-B--a-n-k--s-_-_-_-__-_--_ Advances on Cotton__________ 
 
31,582.07 none none 
 
Adyances on Other Commodi- 
 
ties ----------------------Checks for Clearing House...... 
 
none none 
 
Other Checks and Cash Items_ 
 
50}, 29 
 
Letters of Credit and Accept- 
 
- - - - - OOtvahenercrdersAafst-ss-e-t(-si-f_-_a-_n-_-_y-_)-_--_--_--_--_--_--_--_--_--_---_ 
 
none 4,355.73 
none 
 
Total ------------------------$ 174.264.71 
 
LIABILITl.!!;S: Capital Stock Paid In--------$ Amount Reserved for Branches Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks-------------Hills Payable--------------~- Notes and Bills Rediscounted .. Letters of Credit and AcceptReasnercvees f-o-r--In--te--re--s-t -a-n-d--T-a-x--e-s Bonds Borrowed------------Other Liabilities------------- 
Total------------------------$ 
 
25,000.00 none 
12,500.00 4,176.36 none none 
84,099.~~ 
none 
2~,077.97 
none 20,034.35 
376. ~9 none none none 
none none none none 
 
 DEPART:MEKT OF BANKING 
 
293 
 
CONSOLIDATED STATEMENT OF STATE BANKS AND TRUST COMPANIES OF GEORGIA AS OF DECEMBER 28, 1923 
(Only Trust Companies having banking powers and privileges under supervision of this Department.) 
 
RESOURCES 
Time Loans and Discounts _____________________________________________________ _ Demand Loans ________________________________________________________________ _ Real Estate Loans~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ U. S. Bonds~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ DMruaninicaigpealDBiostnrdisc~t ~B~J~n~d~s~_~~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_~_ 
State of Georgia Bonds~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Bonds of Foreign Governments__________________________________________________ _ Industrial Stocks and Bonds~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Banking House ___________________________________________ -------_-------------Furniture & Fixtures ___________________________________________________________ _ Other Real Estate Owned~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ Due From Federal Reserve Bank_________________________________________________ _ Due From Approved Reserve Agents in this State __________________________________ _ Due From Approved Reserve Agents out of this State ______________________________ _ 
Cash~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 
Due From Other Ban~s in this State~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~-~~~~~~~~ Due From Other Banks in Other States~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Advances on Cotton __________ .: _________________________________________________ _ Checks For Clearing House______________________________________________________ _ Other Checks and Cash Items~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Customers' Liability on Letters of Credit and Acceptances __________________________ _ 
Overdrafts~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 
Advances on Commodities other than Cotton ______________________________________ _ Other Assets Not Included Above~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Stock in Federal Reserve _______________________________________________ -_---_---Depositors' Guarantee Fund _______________________________________________ - __ -_-Mutual Fire Insurance Fund___________________________________________ ----------Profit and Loss~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 
 
577 State Banks & Trust Companies including 43 Branches. 
$156 ,973 ,043 .20 26 ,513 ,963 .12 2 7 ,099 ,300 .24 6 ,002 ,205 .47 491! ,305 .91 2,170.00 
90,525.00 577 ,928 .63 9,377,233,75 7,320 ,51!1 .74 2 ,434 702 .05 4. 754 ,598 .91! 11 ,489 ,431 .47 14 ,1!38 ,618 .67 
6 ,077 995 ,50 7 ,163 ,163 .05 7 ,072 ,034 .80 4 ,363 ,558 .00 3,760,381 ,79 
3 ,090 ,691 .67 796,667,38 
5 ,815 ,622 .01 507,283 .25 521 ,695 ,70 
4,199,274.86 858 ,100 .00 66,478.71 I ,440.00 182 ,n1 .90 
 
TOTAL 
 
$312 ,449 ,966 .85 
 
LIABILITIES 
 
Capital Stock Paid In~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 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 Deposit ____________________________________________________ -Savings Deposits _______________________________________________________________ _ Trust Funds on Deposit_ _________________________________________ - ______________ _ 
Cashier's Checks~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Certified Checks~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Bills Payable to Banks in This State~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Bills Payable to Banks in Other States~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Bills Payable to Federal Reserve Bank~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Notes and Bills Rediscounted with Federal Reserve Bank____________________________ _ 
Notes and Bills Rediscounted with Other Banks in This State~~-~~~~~~~~~~~~~~~~~~~~~~ Notes and Bills Rediscounted with Other Banks in Other States~~~~~~~~~~~~~~~~~~~~~~~ Certificates of Deposit for Borrowed Money _______________________________________ _ 
Liability on Letters of Credit and Acceptances~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Reserve for Interest and Taxes___________________________________________________ _ Bonds Borrowed ____________________________.____________________________________ _ 
Other Liabilities Not Included Above~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ War Finance___________________________________________________________________ _ 
 
$ 32 ,467 ,970 .00 596,000.00 
18 ,255 ,061 .48 8 ,38 7 ,480 .06 
304,577.11 12 ,141 ,366 .11 
7 ,587 ,303 .07 935 ,500.00 
101 ,456 ,312 .11 
2 793 ,234 .53 34 ,881 ,505 .08 54,557,757.31 
2 ,248 ,310.93 
I ,082 ,672 .32 
183 ,663 .56 4 ,030 ,056 .81 
3,230,711 .86 609,286.94 
13,668,111 .90 
1 ,165 ,218 .66 760,530.70 146 ,031 .04 
5 ,617 ,561 .41 1 ,509 ,654 .56 
186 ,950 .00 1 ,784,662 .71 1 ,862 ,476 .59 
 
TOTAL 
 
$312 ,449 ,966 .85 
 
DEPOSITORS 
 
1922 
 
IndividuaL~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~_~~~~~~ 
Savings ________________________________________________________________ _ Time _____ ;;-_____ _______________________________________________________ _ 
 
391 203 
44 
 
,658 ,971 ,991 
 
TOTAL 
 
640,620 
 
1923 388,733 224,338 
49,562 
662 ,633 
 
 Focwrn .Ax:-;TAL HEI'ORT 
 
IMPORTANT COMPARISONS SHOWING CONDITION OF GEORGIA STATE BANKS AT CLOSE OF BUSINESS DECEMBER 28, 1923 AS AGAINST DECEMBER 29, 1922. 
 
December 1922 December 1923 Decrease I Increase 
 
Loans and Discounts______________________ $187,682,167.34$210,586,366.56 -------------1$22,904,199.22 
 
Bills Payable_____________________________ 15,448,725.53 9,732,532.20$5,716,193.33 -------------- 
 
Rediscounts______________________________ Overdrafts_______________________________ 
 
6,600,365.64 15,593,861 .26 -------------~ 8,993,495 .62 
 
460 ,529 .28 
 
507 ,283 .25 ______ ___ ____ 
 
46 ,753 .97 
 
Reserves Held Out of State________________ 9,878,786.23 10,441 ,553.50 ------------- 
 
562,767.27 
 
Bills Payable Out of State_________________ 8 ,403 ,139 .41 3 ,230 ,711 .86 5 ,172 ,427 .55 _____________ _ 
 
Rediscounts Otrt. of State__________________ 
 
831,857.63 
 
760,530.70 
 
7! ,326.93 
 
---------- 
 
Deposits_________________________________ 193,145,309.90 218,013,656.06 _____________ 24,868,346.16 
 
Total CapitaL.__________________________ 31 ,962 ,301 .00 33 ,063 ,970 .00 _____ ____ __ __ 1 ,101 ,669 .00 
 
Surplus Fund.___________________________ 16,715 ,414 .92 18 ,255 ,061 .48 -------- __ __ _ 1 ,539 ,646 .56 
 
Undivided Profits_______________ 
 
7,301 ,698 .90, 8.387,480.06 _____________ 1 ,085,781 .16 
 
Year 1922 1923 
 
No. Banks 
560 534 
 
No. Branches 
39 43 
 
Total 599 577 
 
 DEPARTMEJ\T OJ,' BAXKIN"G 
 
2!)5 
 
STATEMENT OF NATIOXAL BAKKS JN GEORGIA 
 
Showing Condition at the Close of Business 
 
December 31, 1!)2;3 
 
(!)7) 
 
RESOURCES 
 
Loans and Discounts ______ -------------------------- ________________ $114,278,000.00 Overdrafts _______________ ---- _------- _________________ - ______ ___ ____ 413,000.00 
 
Customers Liability Account of Acceptances _______________________~-- 598,000.00 
 
United States Government Securities Owned__________________________ 16,546,000.00 
 
Other Bonds, Stocks, Securities, etc,_________________________________ 4,407,000.00 
 
Banking House, Furniture and Fixtures______________________________ 4,968,000.00 
 
Other Real E'state Owned _____________________ -------- ___ .____________ 1,816,000.00 
 
Lawful Reserve With Federal Reserve Banks________________________ 7,949,000.00 
 
Items With Federal Reserve Banks in Process of Collection____________ 4,418,000.00 
 
Cash in Vault and Amount Due from National Banks________________ 11,138,000.00 
 
Amount Due from State Banks and Bankers__________________________ 5,912,000.00 Exchanges for Clearing House______________________,_________________ 2,385,000.00 
 
Checks on Other Banks in Same Place_______________________________ 490,000.00 
 
Outside Checks and Other Cash Items________________________________ 730,000.00 
 
Redemption Fund and Due from United States Treasurer_____________ Other Assets____________________________________________ ---------___ 
 
529,000.00 41,000.00 
 
$176,618,000.00 
 
LIABILITIES 
 
Capital Stock Paid In________________________________________________ $ 13,641,000.00 Surplus Fund______________________________________________________ _ 10,843,000.00 
 
Undivided Profits___________________________________________________ _ 3,484,000.00 
 
National Bank Notes Outstanding_______________________ ~- __________ _ 10,497,000.00 
 
Amount Due to Federal Reserve Banks ______________________________ _ 
 
18,000.00 
 
Amount Due to National Banks _____________________________________ _ 6,250,000.00 
 
Amount Due to Slate Banks and Bankers___________________________ _ 11,867,000.00 
 
Certified Checks Outstanding_______________________________________ _ 120,000.00 
 
Cashiers Checks Outstanding_______________________________________ _ 591,000.00 Demand Deposits ___________________________________________________ _ 68,150,000.00 Time Deposits______________________________________________________ _ 41,199;000.00 
 
Fnited States Deposits _____________________________________________ _ 1,680,000.00 
 
United States Government Securities Borrowed ______________________ _ 
 
62,000.00 
 
Bills Payable_______________________________________________________ _ 1,716,000.00 
 
Notes and Bills Rediscounted _______________________________________ _ 5,789,000.00 
 
Customers Liability for Acceptances_________________________________ _ 598,000.00 
 
Acceptances Executed by Other Banks______________________________ _ 
 
86,000.00 
 
Other Liabilities _________ ----- _________________________ -_--_-- _____ _ 
 
27,000.00 
 
$176,618,000.00 
 
 296 
 
FouRTH ANNUAL REPORT 
 
COMBIXED STATE~IEST OF STATE BAXKS, TRUST CO:JIPAXIES AXD XATIONAL BAXKS 
577 STATE BANKS AND TRUST COMPANIES, INCLUDING 40 BRANCHES, SHOWING CONDITION DEC. 28, 1923, AND 97 NATIONAL BANKS, SHOWING CONDITION DEC. 31, 1923. 
 
RESOURCES 
 
(National Banks Given in Thousands of Dollars) 
 
Loans and Discounts ____ --_--_--------------------------------- ___ - -$324,864,366.56 U. S. Bonds and Securities Owned__________________________________ 22,548,205.47 
 
Other Stocks and Bonds_------------------------------------------Banking House and Furniture and Fixtures__________________________ Other Real Estate Owned____________________________________________ Due from Federal Reserve Bank_____________________________________ Due from Other Approved Reserve Agents and Cash in Vaults________ 
 
15,811,263.29 14,723,283.79 
6,570,598.98 19,438,431.47 39,217,777.22 
 
Due from Other Banks--------------------------------------------- 17,347,592.80 Checks for Clearing House___________________________________________ 10,383,691.67 Other Checks and Cash Items_______________________________________ 1,526,667.38 
 
Letters of Credit and Acceptances____________________________________ Overdrafts ________________ ---- _______ ----- _- ---- ____ --- _------ ___ -Other Assets_______________________________ ---______________________ 
 
6,413,622.01 920,283.25 
9,119,271.06 
 
Profit and Loss_____________________________________________________ 182,911.90 
 
$489,067,966.85 
 
LIABILITIES 
Capital Stock Paid In ____ ~------------------------------------------$ 46,704,970.00 Surplus Fund___________________________________ ------______________ 29,098,061.48 Undivided Profits____________________________________________________ 11,871,480.06 Due to Banks ____________________________ - _____ -- ___ ---------_______ 38,799,169.18 Deposits Subject to Check___________________________________________ 172,399,546.64 Time Certificates of Deposit_ _________________________________________ 130,638,262.39 Trust Fund Deposits________________________________________________ 3,990,310.93 Cashiers Checks_____________________________________________________ 1,673,672.32 Certified Checks_____________________________________________________ 303,663.56 Bills Payable________________________________________________________ 11,594,563.24 Notes and Bills Rediscounted________________________________________ 21,382,861.26 Letters of Credit and Acceptances____________________________________ 6,301,561.41 Other Liabilities____________________________________________________ 14,309,844.38 
$489,067,966.85 
 
 DEPART::\IENT OF BANKING 
 
297 
 
BANKS IN POSSESSION OF THE SUPERINTENDENT OF BANKS (Fifty-nine) 
 
NAME OF BANK 
Union Banking Company The Citizens Bank Bank of Ambrose Commercial City Bank Merchants Bank Atlanta State Savings Bank Bank of Benevolence Farmers & Merchants Bank Citizens Bank Farmers Bank Baxley Banking Company Bank of Chamblee Farmers & Merchants Bank The Farmers Bank of Crawford Farmers & Merchants Bank Bank of Dallas Farmers & Citizens Bank Bank of Dublin Citizens Bank Merchants & Farmers Bank Citizens Bank Bank of Eatonton Bank of Gillsville Bank of Godfrey Peoples Bank Bank of Gough Peoples Bank Evans County Bank Jesup Banking Company Bank of Lawrenceville Bank of Lilburn Liberty Banking Company Merchants & Miners State Bank Morgan County Bank Peoples Bank Bank of Morgan Marietta Trust & Banking Company Bank of Mauk Berrien County Bank Farmers Bank Bank of Gwinnett Exchange Bank Citizens Bank Odum Banking Company Peoples Bank Bank of Rockledge Scott Banking Company Bank of Shiloh Walton County Bank Bank of Sparta Peoples Bank 
 
LOCATION 
Alamo Alston Ambrose Americus Augusta Atlanta Benevolence Berlin Blackshear Bowman Baxley Chamblee Clyo Cra"'forcl Cumming Dallas Dawsonville Dublin Douglas Eastman Eatonton Eatonton Gillsville Godfrey Gordon Gough Hamilton Hagan Jesup Lawrenceville Lilburn Ludowici McCavsville Madi;on Mansfield Morgan Marietta Mauk Nashville Nicholls Norcross Oakfield Ocilla Odum Rebecca Rockledge Scott Shiloh Social Circle Sparta Savannah 
 
DA'fE CLOSED 
 
Sept. Dec. Nov. Jan. Oct. .Jan. Apr. Nov. Dec. May May March Jan. Oct. Jan. Dec. Jan. .Nov. Nov. Jan. Jan. Sept. Dec. Feb. Aug. March Oct. Jan. Nov. Jan. Dec. Oct. Nov. Dec. .Jan. Aug. Feb. Oct. Dec. Apr. Oct. Dec. Oct. Nov. Jan. Jan. March Dec. March Apr. Dec. 
 
17, 1921 13, 1921 
16, 1921 3, 1921 
27, 1921 14, 1922 
5, 1921 16, 1921 27, 1921 25, 1921 26, 1922 
1, 1922 20, 1921 25, 1923 
7, 1922 2, 1920 11, 1921 19, 1920 3, 1921 30, 1922 12, 1922 17, 1920 14, 1922 7, 1921 3, 1921 14, 1923 21, 1920 1, 1921 29, 1920 4, 1923 11, 1922 31, 1921 12, 1921 9, 1922 11, 1921 17, 1923 6, 1922 16, 1920 8, 1920 28, 1923 12, 1923 12, 1921 24, 1921 18, 1920 17, 1921 24, 1922 30, 1923 10, 1923 12, 1923 25, 1921 20, 1921 
 
 2!!8 
 
XAME OF BANK 
Oglethorpe Savings & 'Trust Company American Bank & 1'rust Company Commercial Bank Bank of Shady Dale Bank of Emanuel The Stone Mountain Bank Jefferson County Bank Citizens Bank 
 
LOCATION 
Savannah Savannah Savannah Shady Dale Swainsboro Stone Mountain Wadley Waverly Hall 
 
DATE CLOSED 
 
Feb. Oet. Dec. Oct. Nov. Apr. Dec. Jan. 
 
20, 1922 31, 1921 17, 1921 
3, 1921 18, 1921 25, 1921 
3, 1921 8, 1921 
 
BANKS RE-INSTATED BY THE SUPERIX'TEND:I<JNT OF BANKS ('Two) 
 
NAME OF BANK 
 
LOCATION 
 
Bank of Bostwick 
 
Bostwick 
 
Farmers & Merchants Bk. Jeffersonville 
 
DATE 
CLOSED June 5, 1923 Aug. 27, 1923 
 
DATE REINSTATED Sept. 26, 1923 Nov. 20, 1923 
 
TOTAL DIVJDENDS PAID TO CREDITORS OF BANKS IN POSSESSION OF THE SUPERIN1'ENDENT OF BANKS. 
EXCLUDING COLLECTIONS MADE ON PLEDGED COLLATERAL BY LIQUIDATING AGI<JI\"l'S AND OPF-SETS ALLOWED. 
 
NAME O:B' BANK 
Union Banking Company Bank of Ambrose Commercial City Bank Merchants Bank Atlanta. State Savings Bank Bank of Benc>volence Farmers & Merchants Bank Citizens Bank l<'armers Bank Baxley Banking Company Bank of Chamblee l<'arnwrs & Merchants Bank l'armers & Merchants Bank Bank of Dallas Farmers & Citizens Bank B:mk of Dublin Citizens Bank Merchants & Farmers Bank Citizens Bank Bank of Eatonton Bank of Gillsville Bank of Godfrey Peoples Bank Peoples Bank Evans County Bank Jesup Banking Company Bank of Lawrenceville Liberty Banking Company M~rchants & Miners State Bank 
 
LOCATION 
Alamo. Ambrose Americus Augusta Atlanta Benevolence Berlin Blackshear Bowman Baxley Chamblee Clyo Cumming Dallas Dawsonville Dublin Douglas Eastman Eatonton Eatonton Gillsville Godfrey Gordon Hamilton Hagan Jt>sup Lawrenceville Ludowici McCaysville 
 
AMT. PAID 
$ 3,364.96 7,914.28 3,549.94 
593,001.87 7,087.43 2,768.18 
28,423.82 63,793.95 
9,429.73 49,765.67 
178.47 3,025,61 13,844.06 14,451.32 24,953.06 6,851.97 30,934.28 69,632.65 
931.62 10,167.27 17,401.71 
5,503.77 14,990.16 
6,526.55 21,049.42 
6,410.06 13,361.30 
290.90 14,989.81 
 
 DEPARTM :'( T OF BANKLi'\G 
 
NAME OF BANK 
Morgan County Bank Peoples Bank Bank of Morgan Marietta Trust & Banking. Company Bank of Mauk Berrien County Bank Exchange Bank Citizens Bank Odum Banking Company Peoples Bank Walton County Bank Bank of Sparta Peoples Bank Oglethorpe Savings & Trust Company American Bank & Trust Company Commercial Bank Bank of Shady Dale Bank of Emanuel The Stone Mountain Bank Jefferson County Bank Citizens Bank 
 
LOCATION 
Madison Mansfield Morgan Marietta Mauk Nashville Oakfield Ocilla Odum Rebecca Social Circle Sparta Sayannah Savannah Savannah Savannah Shady Dale Swainsboro Stone Mountain Wadley Waverly Hall 
 
299 
AMT.PAID 
6,112.76 6,543.90 2,539.75 288,864.74 
846.55 10,783.56 
4,543.25 3,110.28 5,492.75 4,120.41 53,216.53 5,901.17 99,655.43 569,898.32 90,628.19 281,695.80 14,187.39 12,465.42 7,928.17 1,693.05 17,579.42 
$2,533,000.66 
 
 
 
 300 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF ROCKLEDGE Adrian, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 19,787.48 
 
Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
~1one 
none none none 
 
Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned____ Due From Banks____________ _ 
 
none 1,000.00 
500.00 none 
2.40 
 
Advances on Cotton---------Advances on Other Commodi- 
 
none 
 
Chteiecsks -a-n--d--C-a-s-h- -I-te-m--s-_-_-_-_-_-_-_- 
 
14n,o2.n45e 
 
Overdrafts -----------------Other Assets_________________ 
 
4.56 2,165.71 
 
Deficit ----------------------- -2-2,7-67.-38 
 
Total ------------------------\' 46,369.98 
 
LIABILITIES: 
Capital Stock Paid In________ $ Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedOther Liabilities---'---------Stockholders' Assessment __ _ 
Total ------------------------$ 
 
] 5,000.00 none none none none 
5,042.67 3,707.84 
none none none 118.49 none 15,734.30 none 6,586.68 180.00 
46,369.98 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
UNION BANKING CO. Alamo, Ga. 
 
RESOURCRS: 
 
Time Loans and Discounts____ $ 13,601.66 
 
Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none none none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due From Banks_____________ 
 
none none none 
none 591.01 
 
Advances on Cotton---------Advances on Other Commodi- 
 
none 
 
ties ----------------------Checks and Cash Items_______ 
 
none 93.84 
 
Overdrafts -----------------Other Assets_________________ 
 
none 3,528.35 
 
Deficit ----------------------- - -5,7-09.-03 
Total ------------------------$ 23,523.89 
 
LIABILITIES: 
Capital Stock Paid In________ ~ USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit 'l'ime Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_Notes and Bills RediscountedOther Liabilities------------Stockholders' AssessmenJ --- 
Total ------------------------$ 
 
15,000.00 none none none none 
1,406.18 1,158.40 
none none none 28.00 none 5,931.31 none none none 
23,523.89 
 
 DEPART::IIEKT OF BANKIXG 
 
301 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
CITIZENS BANK Alston, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckous saen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate owned____ Due From Banks_____________ 
Advances on Cotton---------Advances on Other CommodiChtieecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-__-_--_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------$ 
 
36,514.50 nvne none none none none 
2,000.00 863.50 
1,000.00 44.06 none none none none n0ne nr.>ne 
6,841.80 
4 7,263.86 
 
LIABILITIES: 
Capital Stock Paid In--------$ US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_ -_ -_ _- _- _- _- _- _-_-_- -_ Dividends Unpaid_____________ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Dep.)sit Time Certificate of Deposit___ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _CEemrtsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_ONothteesr aLnidabBiliiltlsiesR_e_d_i_s_c_o_u__n_te_d_ _Stockholders' Assessment --- 
Total ------------------------$ 
 
15,000.00 none none none none none 
2,993.42 none 
1,952.06 none 
202.70 none 
23,975.92 none 
3,139.76 none 
47,263.86 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK 9F AMBROSE Ambrose, Ga. 
 
RESOURCES: 
Time Loans and Discounts____ Demand Loans---------------$' United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton---------Advances on Other CommodiChtieecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-_-__--_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------1 
 
none 5,924.89 
9.16 none none none none 1,262.50 641.00 1,257.94 none none none 300.00 29.20 1,803. 72 26,472.05 
37,700.46 
 
LIABILITIES: 
C8pital Stock Paid In--------$ SUunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check..: __ _ Dt;mand Certificates of Deposit STaimviengCserDtiefpicoastietso__f _D__e_p_o__s_iL__--_ CTraushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_RCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment __ _ 
Total ------------------------$ 
 
15,000.00 none none none none 
9,648.57 none 
3,121.58 none none none none 
1,447. 75 none 
3,630.11 4,852.45 
37,700.46 
 
 302 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
COMMERCIAL CITY BANK Americus, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of. Georgia Bonds_____ _ Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-:_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due From Banks____________ _ Advances on Cotton__________ 
Advances on Other Commodi- 
 
56,800.00 none 
none none 
none none none nc.ne none 561.85 none 
 
ties ----------------------Checks and Cash Items_______ 
 
none none 
 
Overdrafts -----------------Other Assets_________________ 
 
730.81 11,525.77 
 
Deficit ---------------------- 46,123.99 ---- 
 
Total ------------------------$ 115,742.42 
 
LIABILITIES: 
Capital Stock Paid In________ $ 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit __ _ Savings Deposits_____________ CT ar us hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_-_BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_ONothteesr aLnidabBiliiltlsiesR_e_d_i_s_c_o_u__n_te__d_Stockholders' Assessment --- 
 
50,000.00 
10,000.00 none none none 
28,319.00 none none none none 
2,775.26 none 
13,548.16 none 
8,400.00 
2, 700.00 
 
TotGl ------------------------~ 115,742.42 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
ATLANTA STATE SAVINGS BANK Atlanta, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ 
 
none 
 
Demand Loans--------------- 214,819.61 
 
United States Securities______ 
 
none 
 
State of Georgia Bonds------ 
 
none 
 
f!tock i!1 Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saer_t_d__B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures______ _ Other Real Estate Owned____ Due From Banks_____________ .Advances on Cotton_________ _ 
 
13,154.45 
none 3. 782.67 32,000.00 
6,768.79 none 
 
Advances on Other Commodi- 
 
none 
 
Chteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-__-_--_ 
 
1,010.50 
 
OO tvheerrd rAa fstsse t s- _- _-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
 
305.87 83,398.27 
 
Deficit ---------------------- 
 
none 
 
---- 
 
Total ------------------------~ 35?i.240.16 
 
LIABILI'l'IES: 
Capital Stock Paid In--------$ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
HC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_ONothteesr aLnidabBiliiltlsiesR_e_d_i_s_c_o_u__n_te__d_Stockholders' Assessment __ _ 
 
none 
none none none none 305,377.31 none none none none 146.17 426.75 
40,141.02 none 
9,141'.91 
none 
 
Total ------------------------$ 355,240.16 
 
 DEPARTMENT OF BANKING 
 
303 -------- 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) 
of the MERCHANTS BANK 
Augusta, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$' 636,814.05 
 
Demand Loans--------------united States Securities______ 
 
none none 
 
State of Georgia Bonds------ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ 
 
13,680.00 44,001.00 
768 811 
 
Other Real Estate Owned____ Due From Banks_____________ Advances on Cotton__________ 
 
68,163.07 188.18 none 
 
Advances on Other Commodi- 
 
none 
 
ties __ ------------------ __ _ Checks and Cash Items______ _ 
 
none none 
 
_ _ _ 0OtvheerrdrAafstssets-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 
Deficit ---------------------- 
 
none 15,111.73 ____:_ none 
 
Total------------------ ---"$ 778,726.33 
 
LIABILITIES: 
Capital Stock Paid In________ $ USunrdpilvuisded--P-r-o-f-i-ts-_-:-. -_-__-_-_-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check ___ _ I'emand Certificates of Deposit Time Certificate of Deposit--Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Hediscounted_ Other Liabilities--------~---Stockholders' Asses:s:men t __ _ 
 
200,000.00 151,44:{.91 
none 23.10 3,186.R6 
141,877 3fi none 
38,043.88 
108,099.81 ncne 
559.16 214.09 
none none 3.513.30 
131,76t.R6 
 
Total ------------------------$ 778,726.33 
 
STATEMENT 
 
Showing Condition at Close of Business December 28, 1923 
 
(In Liquidation) 
 
of the 
 
BAXLEY BANKING CO. 
 
Baxley, Ga. 
 
~--========================================= 
 
RESOURCES: 
 
LIABILI'riES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and BondS-----Banking House_______________ 
Furniture and Fixtures_______ Other Real Estate Owned____ Due From Banks_____________ Advances ori Cotton__________ 
 
215,012.72 none none none 
none none none 
none 55,013.35 
5,543.89 none 
 
Advances on Other Commodi- 
 
none 
 
ties ------------------------Checks and Cash Items------Overdrafts -----------------OLher Assets_________________ 
 
none 70.82 none none 
 
Deficit ---------------------- 16,640.66 
 
Total ---------------~---------~---2-q-2-.2-8_1__4_4 
 
Capital Stock Paid In--------$ 
US unrdpilvui sd e d- -P- r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_S_ _-_-_- _- -_-_-_-_-_-_-_-_- _- 
Notes and Bills Hediscounted_ Other Liabilities------------Stockholders' Assessment 
 
25,00:1.00 none none none none 
155,131.45 none 
ll!)fif" 
n0ne none none none 65,517.14 
18.535.~0 
10,27 4. 71 
17,822.'it 
 
Tot a! --------------------- --- S 292,281.44 
 
 304 
 
Fon:,TH ANxt:AL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF BENEVOLENCE Benevolence, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ 12,995.46 
 
DUenmiteadndStLatoeasnSSe-c-u--r-it-i-e-s-_-_-_-_-_-_- 
 
none none 
 
State of Georgia Bonds______ 
 
none 
 
Slock in Federal Reserve Bank 
 
none 
 
Other Stocks and Bonds______ 
 
none 
 
Banking House--------------Furniture and Fixtures_______ 
 
none none 
 
ODutheerFrRoemalBEasntkast_e__O__w_n__e_d_-_-_--_ 
 
none 
15~.49 
 
Advances on Cotton---------- 
 
none 
 
Advances on Other Commodi- 
 
Chteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-_-_-_-_ 
 
none none 
 
Overdrafts ------------------ 
 
none 
 
Other Assets----------------- 
 
no!le 
 
- - - - - Deficit ---------------------- 
 
3,903.22 
 
Total ----------------------- $' 17,352.17 
 
LIABILITIES: 
Capital Stock Paid In________ $ SUunrdpilvui sd e d- -P- r-o-f-i-t-s -_-_-_-_-_-_-_ -_ _- _- _-_- -_ Dividends Unpaid .. - - - - - - - - - - - Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCraushstierF'sunCdhDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Other Liabilities------------Stockllolders' Assessment --- 
Total ----------------------- $' 
 
15,000.fl0 none none none none none none none none none none none none none none 
2,3fi2.17 
17,352.17 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
FARMERS AND MERCHANTS BANK Berlin, Ga. 
 
RESOURCES: 
Tjme Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures ______ _ Other Real Estate Owned ___ _ Due From Banks____________ _ Advances on Cotton__________ Advances on Other CommodiC ht ieecsk s -a- n- -d- -C-a-s-h- -I-t-e-m- -s-_-_-_-_-_-_ -_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total -- --~ ;----------------- $ 
 
12,23:.;.]2 none none none none 
315.00 500.00 800.00 
none 209.58 648.57 
none 
14~.19 
none 500.25 8,977.06 
24,332.77 
 
LIABILITIES: 
Capital Stock Paid In--------$ US ur dr pi vl ui ds e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ _- _- _-_-_- -_ Dividends Unpaid____________ _ Due to Bank,s________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_BC<illrstifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assess1nent __ _ 
Total ------------------------1 
 
15,0fl0.00 none none none none 45.61 none none none none 15.51 none none none 
1,371.65 7,900.00 
24,3~2.77 
 
 DEPARTMENT OF BANKING 
 
305 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
CITIZENS BANK Blackshear, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_S_-_-_-_-_--_ Furniture and Fixtures_______ ODutheerFrRomealBEasntkast_e__O__w_n__e_d_-_-_--_ Advances on Cotton__________ Advances on Other CommodiC htei ecsk s -a-n- -d- -C-a-s-h- -I-t-e-m- -s -_-_-_ -_ _- _- -_ 
Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------$ 
 
21,290.34 none none none none none 
3,000.00 1,627.00 
579.50 8,463.12 
none none 
12.27 1, 752.02 3,986.43 13,297.84 
54,008.52 
 
LIABILITIES: 
Capital Stock Paid In________ $ US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ TCraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks_____________ _ Bills Payable----------------Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assessment --- 
Total ------~-----------------$ 
 
17,000.00 none none none none 
17,4S4.45 none 
18,759.77 none none 
113.44 none none none 
650.86 none 
54,008.52 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
FARMERS BANK Bowman, Ga. 
 
RESOURCES: 
 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_--_-_-_$' 
United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned---Due From Banks____________ _ Advances on Cotton__________ Advances on Other CommodiC ht ieecsk s -a- n- -d- -C-a-s-h- -I-t-e-m- -s -_-_-_-_ -_ _- -_ 
Overdrafts -----------------Other Assets ---------------Deficit ---------------------- 
 
Total - 
 
- ---$ 
 
72,457.27 none nonenone none 88.67 
3,836.00 3,565.00 
none 1,866.96 
none none 
none 82.56 8,434.06 18,530.61 
108,861.13 
 
LIABILITI1<;S: 
Capital Stock Paid In--------$ SUunrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks-------------Bills Payable----------------ONothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u_n_t_e_d___ Stockholders' Assessment --- 
 
19,300.00 none none none none 
62,658.77 nonA none none none 33.00 none 
13,373.38 5,15!J.61 
86~.07 
7,471.30 
 
Total ------------------------$ 10 8,8 61.13 
 
 306 
 
Fol:InH Axi\TAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF CHAMBLEE Chamblee, Ga. 
 
- - - - - -R-ES-OU-R-CE-S:- - - - - - - - - - - - -LI-AB-IL-IT-IE-S:- - - - - - 
 
Time Loans and Discounts____ $ 57,823.23 Capital Stock Paid In--------$ :25,000.00 
 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank 
 
none none none none 
 
Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
none none none nvnf' 
 
Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ 
 
500.00 8,0011.00 
2,960.34 
 
Deposits Subject to Check___ _ 
Demand Certificates of Deposit Time Certificate of Deposit--- 
 
21,383.57 nvne- 
3, 780.0R 
 
Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton _________ _ 
 
5,350.00 Savings Deposits-------------1,098.28 Trust Fund Deposits--------- 
none Cashier's Checks------------- 
 
11,820.98 none none 
 
Advances on Other CommodiChteiecsks -a-n--d--C-a-s-h-. -I-t-e-m--s-__-_-_-_-_-_-_ 
 
none BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_1,052.66 Notes and Bills Rediscounted_ 
 
none19,084.74 
none 
 
OOtvheerrd rAa fstsse t -s -_-_-_-_-_-_ _- _- _- _- _-_-_-_-_-_- -_ 
 
79.02 Other Liabilities------------none Stockholders' Assessment --- 
 
none 300.00 
 
Deficit ---------------------- 
 
4,505.84 
 
Total -~----------------------$ 81,369.37 Total ------------------------$ 81,369.37 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
FARMERS AND MERCHANTS BANK Clyo, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
DUenmiteadndStLatoeasnSse--c-u-r-i-ti-e-s-_-_-_-_-_--_ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House_______________ 
Furniture and Fixtures_______ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton _________ _ 
Advances on Other Commodi- 
 
26,893.46 none none TI)ne none none 
1,796.00 1,034.00 
nonA 
79.58 none 
 
ties ----------------------Checks and Cash Items_______ 
 
none none 
 
Overdrafts -----------------Other Assets_________________ 
 
none 6,989.98 
 
- - - - Deficit ---------------------- 23,277.05 
'l'otal ------------------------ ~ 60.070.07 
 
LIABILITIES: 
Capital Stock Paid In________ $' Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit--STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assessment --- 
Total ------------------------~ 
 
15,000.00 none none none 219.86 
26,876.49 none 
2,988.34 none none 
113.00 none 
5,700.47 none 
121.86 9,050.05 
60.070.07 
 
 DEPAR'L\TEXT OF BANKING 
 
307 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
FARMERS BANK OF CRAWFORD Crawford, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ <ltate of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ 
Furniture and Fixtures----..---Other Real Estate Owned___ _ Due From Banks_____________ Advances on Cotton _________ _ AcJvances on Other CommodiC ht ieecsk s -a- n- -d- -C-a-s-h- -I-t-e-m- -s-_-_-_-_ -_ _- -_ 
Overdrafts -----------------Other Assets ---------------Deficit ---------------------- 
 
543,425.56 4,227.88 none none 4,5on.oo 450.00 2,000.00 5,099.02 4,450.00 3,212.20 none 
none 3,635.29 
none 1,502.3'1 1,267.88 
 
Total ------------------------$ 573,770.12 
 
LIABILI'riES: 
Capital Stock Paid In--------$ Surplus --------------------DUinvdiidveinddesd UPnrpoafiidtS__-_-_--_-_-_-_-_-_-_-_-_- 
Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
 
100,000.00 
48,116.40 none none none 
49,721.38 non(" 
107,076.77 none none 
4,517.77 none 
188,604.19 
66,209.46 9,524.15 none 
 
Total ------------------------$ 573,770.12 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
FARMERS AND MERCHANTS BANK Cumming, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due From Banks____________ _ 
Advances on Cotton---------Advances on Other Commodi- 
Chteiecsks -a-n-d--C--a-s-h--I-te--m-s-_-_-_-_-_-_-_OOtvheerrdrAafstssets--_-_-_-_-_-_-_-_~_-_-_-_-_-_-_-_-_ 
Deficit ---------------------- 
 
187,039.56 ncne none none none nonf' 
1,990.00 3,056.36 21,008.71 11,804.09 
none 
none 3, 795.84 
441.32 756.74 182.59 
 
Total ------------------------$ 230,075.21 
 
LIABILITIES: 
Capital Stock Paid In--------$ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit__ _ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
 
25,00<).00 
none 37 3. 70 
none none 11,786 35 none 173,132.08 none none ,2,971.n8 none none none 10,266.82 
6,544.28 
 
Total ------'------------------ $ 230,075.21 
 
 308 
 
FouRTH ANKLU~ REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF DALLAS Dallas, Ga. 
 
RESOURCES: 
TDiemmeanLdoanLsoaannsd__D__is_c_o_u__n_t_s________ $ united States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton---------Advances on Other CommodiChteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-_-__--_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------$ 
 
96,1106.64 none none none none 
47,500.00 none 47.50 none 
4,571.01 none 
nOne 1,608.67 
145.80 30,064.87 11,479..18 
191,723.97 
 
LIABILITIES: 
Capital Sotock Paid In--------$ SUunrdpilvuisded--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-__-_-_-_-  Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ 
Trust Fund Deposits--------Cashier's Checks-----~------ Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedOther Liabilities_____________ Stockholders' Assessment __ _ 
 
40,900.00 none none none none 
29,865.86 none 
21,7 24.45 
67,279.05 none 
294.79 
3,206.00 
2,240.68 none 
3,134.26 
23,07S.SS 
 
Total------------------------$ 191,723.97 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
FARMERS AND CITIZENS BANK Dawsonville, Ga. 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ ODutheerFrRoemalBEasntkast_e__O__w_n__e_d_-_-_--_ Advances on Cotton _________ _ Advances on Other CommodiC ht ieecsk s- a- -n-d- -C-a-s-h- -I-t-e-m- -s-_-_-_-_-_ -_ -_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------$ 
 
313,830.50 none none none none none none none none 
2,153.97 none 
T10ll8 
non~"~ 
5,0G3.14 335.86 
10,386.65 
332,060.12 
 
LIABILITIES: 
Capital Stock Paid In--------~ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check~-- Demand Certificates of Deposit STaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__--_ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedOther Liabilities___:. ________ _ Stockholders' Assessment --- 
 
25,000.00 none 
llQJllj 
none none 264,393.28 
nont~ 
J;OllO 
none 
non~ 
3,25!5.05 1,082. !50 35,979.29 
non0 2,350.00 
J1one 
 
Total ---------- -------------$ 
 
 DEPART::IIEKT OF BAKKIKG 
 
309 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
CITIZENS BANK Douglas, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton __ _: ______ _ Advances on Other CommodiChtieecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-__-_-_--_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------~ 
 
112,609.92 none uone none none 
235.00 
~O,OOfJ.OO 
3,395.73 2,500.00 1,937.56 
none 
none 175.52 
Jlone 2,599.18 72,471.51 
225,924.42 
 
LIABILITIES: 
Capital Stock Paid In________ $ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit &TiamviengCserDtiefipcoastietso_f__D__e_p_o_s_i_t______ Trust Fund Deposits_________ Cashier's Checks____________ _ Certified Checks______________ Bills Payable ________________ _ ONothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u_n_t_e_d___ Stockholders' Assessment 
 
50,000.00 none none n:-.np 
11one 51,065.43 
none 85,819.45 19,537.95 
none none none 1,635.59 none 8,703.90 
9,162.10 
 
'I'otal ------------------------ ~ 225,924.42 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF DUBLIN Dublin, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$' Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned___ _ DAudve aFnrcoems oBn aCnoktsto--n-_-_-_-_-_-_-_-_-_--_ Advances on Other CommodiChteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-__-_-_-_--_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------$ 
 
92,066.84 nonenone none none none none 
non~ 
1,341.82 1,840.88 
n0ne 
none 740.75 1,082.12 5,157.74 27,065.24 
129,295.39 
 
LIABILITIES: 
Capital Stock Paid In--------$ SUunrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of DeposiL-Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedOther Liabilities------------Stockholders' Assesment --- 
 
25,000.00 none none none 
non.~ 
35;061. 73 none 
19,055.47 none none 
641.58 260.00 39,047.34 
none 9,629.28 
599.9n 
 
Total ------------------------$ 129,295.39 
 
 310 
 
Fom~TH ANNFAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
MERCHANTS AND FARMERS BANK Eastman, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House_______________ Furniture and Fixtures_______ 
ODutheerFrRomealBEanstkast_e__O__w_n__e_d_-_-_-_Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks and Cash Items_______ 
 
119, 728.04 none none none none none 
12,000.00 1,562.00 350.00 873.23 ncne 
nor.3 noue 
 
OOtvheerrd rAa fstsse t-s -__-_- -_:-_-_-_-_-_-_-_-_-_-__- _-_- 
 
n6e2>.J8W2 
 
- - - - - Deficit ---------------------- 57,079.36 
Total ------------------------~ 191,655.45 
 
LIABILITIES: 
Capital Stock Paid In________ $ SUunTdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_-_Cashier's Checks____________ _ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assessment --- 
Te>tal ________________________ r 
 
50,000.00 none none none 52.23 
20,752.41 none 
75,137.80 none none none nvne 
11,804.97 none 
4,258.04 29,650.00 
191,655.45 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
CITIZ.ENS BANK Eatonton, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ 
Furniture and Fixtures---~-- ODutheerFrRomealBEanstkast_e__O__w__n_e_d_-_-_-_Advances on Cotton _________ _ Advances on Other CommodiChteiecsks -a-n-d---C-a-s-h--I-t-e-m-s--_-_-__-_-_--_ Overdrafts -----------------Other A.8sets----------------Deficit ---------------------- 
Total ---------~--~-----------$ 
 
92,236.14 none none none none none none 
1,210.50 
n~,ne 
6S9.93 none 
none none none 34.2S 12,693 24 
106,864.09 
 
LIABILITIES: 
Capital Stock Paid In ________ 1: 
Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_--_ 
Deposits Subject to Check___ _ DE'mand Certificates of D~POHit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
 
25,000 r:; 
none none nonH no 1e 21,037.86 none 14,743.17 
56.80 none 
108.53 
2 5, 8119..298s 
15,045.63 4,625.S4 
425.00 
 
Total ------------------------$ 106.864.09 
 
 DEPARTl\fENT OF BANKING 
 
311 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF EATONTON Eatonton, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks_____________ Advances on Cotton__________ Advances on Other CommodiC ht ieecsk s - a- -n-d- -C- a- -s h- - -I t-e-m- -s-_-_-_-_-_-_- -_ OOtvheerrdrAafstssets-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deficit ---------------------- 
Total ------------------------$ 
 
60,721.63 6,589.83 none none none 1,300.00 none none 350.00 3,149.58 none 
none20.60 none 1,529.00 110,031.89 
183,692.53 
 
LIABILITIES: 
Capital Stock Paid In--------~ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid____________ _ 
Due to BankS---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-"avings Deposits------------CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _- 
Certified Checks-------------Bills Payable----------------ONothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u__n_te__d_Stockholders' Assessment __ _ 
 
25,000.00 
50,000.00 none none 
19,030.57 35,818.19 
1~.139.74 
12,043.71 none none 
143.34 none 
19,960.85 
6,589.83 936.30 
1,040.00 
 
Total -------------------------$ 183,692.53 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF GILLSVILLE Gillsville, Ga. 
 
RESOURCES: 
Time Loans and DiScounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n__d_S_-_-_-_-_-_Furniture and Fixtures______ _ DOutheerFrRomealBEarsitkast_e__O__w__n_e_d_-_-_-_Advances on Cotton__________ Advances on Other CommodiChtieecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-__-_-_--_ OOtvheerrd rAa fstsse t s- _- _- _-_-_-_-_-_-_-_-_-_-_-_-_- -- -- 
Deficit ---------------------- 
Total ------------------------$ 
 
35,470.14 none none none none none 
1,250.00 260.00 none 210.50 none 
none 11.60 none 592.74 29,427.43 
67,222.41 
 
LIABILITI.!!;S: 
Capital Stock Paid In--------$' US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ -_ -_ -_ _- _- -_ DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefipcoastietso__f _D__e_p_o__s_it_-_-_Trust Fund Deposits________ _ Cashier's Checks_____________ Certified CheckS-------------Bllls Payable----------------Notes and Bills RediscountedOther LiabilitieS------------Stockholders' Assessment --- 
Total ------------------------1 
 
15,000.00 none none none none 
7,928.93 none 
4,191.96 none none none none 
23,507.79 none 
1,541.73 15,052.00 
67,222.41 
 
 313 
 
Fonnn ~\xxuAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF GODFREY Godfrey, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 45,218.g7 
 
Demand Loans--------------United States Securities_____ _ State of Georgia Bonds_____ _ 
 
none none none 
 
Stock in Federal Reserve Bank 
 
none 
 
OBathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_-_--_-___ Furniture and Fixtures______ _ Other Real Estate Owned____ Due From Banks____________ _ 
Advances on Cotton _________ _ 
 
none none 1,652.00 
none 2,265.03 
none 
 
Advances on Other Commodi- 
 
Chtieecsks -a-n--d--C-a-s-h--I-t-em--s-_-_-_-_-_-_-_- 
 
nnoonnee 
 
Overdrafts -----------------Other Assets_________________ 
 
none 216.46 
 
Deficit - ----~----------------- -30- ,405- .13 
 
Total ------------------------$ 79,757.49 
 
LIABILITIES: 
Capital Stock Paid In________ $ 
Surplus --------------------Undivided Profits------------Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BC ielrltsi fPi eady aCbhl ee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_- -_ 
Notes and Bills RediscountedOther LiabilitieS------------Stockholders' Assessment __ _ 
Total ------------------------$ 
 
15,000.00 none none none none 
9,165.40 none 
1,937.24 none none 90.00 none 
20,857.09. none 
24,747.76 7,960.00 
79.,757.49 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
PEOPLES BANK Gordon, Ga. 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ 
State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ Due From Banks____________ _ 
Advances on Cotton---------Advances on Other Commodi- 
ties ----------------------Checks and Cash Items_______ 
Overdrafts -----------------DOethfiecrit A-s-se-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
 
66,072.61 none none none none none 
3,000.00 2, 788.50 2,227.95 
81G.20 none 
none 305.00 
114.11 4,241807..5688 
 
Capital Stock Paid In--------t 
Surplus --------------------Undivided ProfitS------------DDJuVei dteon dBs aUn kn. sp_a_i_d_ _- -_-_-_-_-_-_-_-_-_-_- _- 
Deposits Subject to Check____ Demand Certificates of Deposit Tfme Certificate of Deposit--STarvuisntgFs uDndepDoespitoss-i-t-s-_-_-_-_-_-_-_-_--_ 
Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
 
20,000.00 
none none none none 2,912.80 none 20,055.23 none none 89.96 none 23,838.35 none 199.65 12,926.64 
 
=T=o=t=a=l=-=-=-=--=-=-=-=-=-=-=-=--=-=-=-=-=-=-=--=-=-=$====80=~0=2=2.~6=3===T=o=t=a=l=-=-=-=-=-=-=-=--=-=-=-=-=-=-=--=-=-=-=-=-=-=-$====8=0~,022.63 
 
 DEPART:\IE;'I;T OF BANKIXG 
 
313 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF GOUGH Gough, Ga. 
 
. RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton _________ _ Advances on Other CommodiChtieecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-__-_-_--_ OO tvheerrd rAa fstsse t-s -_-_-_-_-_-_-_-_-_-_ -_ -_ -_ _- _- _- -_ 
Deficit ---------------------- 
Total ------------------------$ 
 
43,';"99.97 
non~ 
none none none none 859.76 3,624.56 none 279:27 none 
non3 50.00 none none 502.85 
49,116.41 
 
LIABILITIES: 
Capital Stock Paid In--------$' Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits_________ ---Trust Fund Deposits ________ _ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
Total ------------------------$ 
 
15,000.00 none none none none 
3,230.93 4,236.39 
none none none 157.63 
non~? 
25,631.98 none 
832.41 27.07 
49,110.41 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
EVANS COUNTY BANK Hagan, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures______ _ ODutheerFrRoemalBEasntkast_e__O__w_n_e_d_______ __ Advances on Cotton__________ Advances on Other CommodiChtieecsks -a-n--d--C-a-s-h--I-t-e-m-s--__-_-_-_-_--_ OO tvheerrd rAa fstsse t-s -_-_-_-_-_-_-_ -_ -_ _- _- _- _- _-_-_- -_ 
Deficit ---------------------- 
Total ------------------------$ 
 
16,384.30 none none none none none 
2,100.00 2,050.00 
none 305.27 
none 
none none none 533.66 3,626.77 
25,000.00 
 
LIABI:j:..ITIES: 
Capital Stock Paid In--------$ Surplus --------------------DUinvdiidveinddesd UPnropafiidts_-_-_-_-_-_-_-_-_-_-_-_-_Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of DeposiL-bavings Deposits------------CTraushstierF'sunCd hDecekps o__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedOther Liabilities------------- 
Stockholders' Assessment --- 
Total ------------------------$ 
 
25,000.00 none none none none none none none none none none none none none none none 
25,000.00 
 
 314 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
PEOPLES BANK Hamilton, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House--------------Furniture and Fixtures_______ ODtuheerFrRoemalBEanstkast_e__O__w_n_e_d_______ __ Advances on Cotton_________ _ Advances on Other CommodiC ht ei ecsk s -a- n- -d- -C-a-s-h- -I-t-e-m- -s -_-_-_-_-_-_ -_ OOtvheerrdrAafstssets-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deficit ---------------------- 
Total ------------------------$ 
 
46,281.23 1,934.85 none none none none none 2,604.90 none 1,087.89 2,854.44 
none 101.58 145.22 none 4,124.86 
59,134.97 
 
LIABILITIES:' 
Capital Stock Paid 1n--------$ Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d_-_-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand certificates of Deposit Time Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k__s_-_--_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assessment --- 
Total------------------------$ 
 
15,000.00 
none none 
none 89.99 1,214.17 none 4,752.35 none none none none 23,259.27 1,000.00 
~.353.15 
8,466.04 
59,134.9~ 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
THE JESUP BANKING CO. Jesup, Ga. 
 
RESOURCES: 
Time Loans and Discounts----:1Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds-----BFuanrnkiitnugreHaonudseF-ix--t-u-r-e-s-_-_-_-_-_-_--_ ODutheerFrRoemalBEasntkast_e__O__w_n__e_d_-_-_-_- 
Advances on Cotton---------Advances on Other CommodiChteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-_-_-_-_ 
OOtvheerrdrAafstssets-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deficit ---------------------- 
Total ------------------------$ 
 
120,253.01 none none none none 
25,000.00 2,000.00 2,300.00 none 2,224.58 none 
none 8,586.13 2,010.91 14,578.84 
none 
176.953.47 
 
LIABILITIES: 
Capital Stock Paid 1n--------$ Surplus --------------------Undivided Profits------------DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------RCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assessment --- 
 
25,000.00 none 
29,936.18 none none non' 
76,540.41 none none 
non~ 
none none 15,544.78 none 25,452.10 4,480.00 
 
'"l'Ot[ll ------------------------$ 176.953.47 
 
 DEPARTJ\fEKT OF BANKING 
 
315 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF LAWRENCEVILLE Lawrenceville, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ $' Demand Loans--------------United States Securities______ 
State of Georgia BondS-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o__n_d_s_-_-_-_-_-_Furniture and Fixtures_______ ODutheerFrRoemalBEasntkast_e__O__w_n_e_d_______ __ 
Advances on Cotton__________ 
Advances on Other Commodi- 
 
none 181,267.17 
none none none none 1, 725.00 2,991.53 none 14,817.16 none 
 
C ht ieecsk s -a-n- -d- -C-a-s-h- -I-t -e m- -s-_-_-_-_-_-_- _- 
 
nnoonnee 
 
Overdrafts -----------------Other Assets_________________ 
 
34.36 2,295.38 
 
Deficit ----------------------- -1- ,255- .04 Total ------------------------$ 204,385.64 
 
LIABILITIES: 
Capital Stock Paid In--------$ SUunrdpilvuisd e d- -P-r-o-f-i-t -s -_-_-_-_ _- _- _- _-_-_-_-_- -_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedOther Liabilities------------Stockholders' Asse.,sment --- 
 
25,000.00 none none none none 
3,118.31 none 
101,429.95 none none 
473.73 none 
63,975.65 none 
10,388.00 none 
 
Tot:1.l ------------------------$ 204,385.64 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF LILBURN Lilburn, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$' Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ ODutheerFrRomealBEanstkast_e__O__w_n_e_d_______ __ .Advances on Cotton__________ Advances on Other CommodiC ht ieecsk s- a- -n-d- -C-a-s-h- -I-t-e-m- -s-_-_-_-_-_-_ -_ OOtvheerrdrAafstssets-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deficit ---------------------- 
Total ------------------------$ 
 
none 73,673.14 
none none none none 818.40 2,245.20 none .2,841.49 none 
none 103.03 
none none 4,245.42 
83,926.68 
 
LIABILITIES: 
Capital Stock Paid In--------$ SUunrdpilvui sd e d- -P- -r o- -f i-t-s._-_-_-_-_-_-_-_-_-_-_-_- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of DepJsit '1'\me Certificate of DeposiL-Savings Deposits------------Trust Fund Deposits--------Cashier's Checks------------BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_-_Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
Totlll ------------------------$ 
 
25,000.00 none none none none 
1,918. 72 33,931.95 
none none none none none 19,010.07 none 2,842.83 1,223.11 
83,926.68 
 
 316 
 
FocRTII ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
LIBERTY BANKING CO. Ludowici, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ Rtate of Georgia Bonds______ 
S< ock in Federal Reserve Bank Other Stocks and Bonds-----Banking House--------------Furniture and Fixtures_______ 
Other Real Estate Owned____ Due From Banks____________ _ Advances on Cotton _________ _ 
 
71,680.63 none none none none 
4,500.00 4,000.00 1,315.86 16,063.75 4,489.43 
none 
 
Advances on Other Commodi- 
 
t!es ----------------------Checks and Cash Items_______ 
 
none 189.95 
 
Overdrafts -----------------Other Assets_________________ 
 
284.78 1,250.85 
 
- - - - Deficit ---------------------- 
 
8,825.43 
 
Total ------------------------$ 112,600.68 
 
LIABILITIES: 
Capital Stock Paid In________ $ 
ISJunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid_____________ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ 
Certified Checks-------------Bills Payable----------------Notes and Bills Rediscounted_ Other Liabilities_____________ 
Stockholders' Assessment --- 
 
25,000.00 none none none none 
22,936.79 none 
33,846.72 
12,819.32 none 
1,068.56 none 
21,425.62 none 
2,180.25 3,323.42 
 
Total ------------------------$ 112,600.68 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
MORGAN COUNTY BANK Madison, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
Stock in Federal Reserve Bank Other Stocks and Bonds----BF ua nr nkiitnugr eHaonuds eF-i x- -t-u-r-e-s-_-_-_-_-_-_- _- 
Other Real Estate Owned____ Due From Banks____________ _ 
Advances on Cotton _________ _ 
 
94,861.56 none none none 
1,500.00 none 
4,000.00 
754.39 13,566.94 
4,538.45 none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks and Cash Items--~---- 
 
none none 
 
Overdrafts -----------------Other Assets_________________ 
 
none 715.12 
 
- - - - - Deficit ---------------------- 
 
2,237.54 
 
'l.'otal ------------------------$ 122,174.00 
 
LIABILITIES: 
Capital Stock Paid In________ $ 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ Dividends Unpaid ____________ _ 
Due to Banks---------------Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraUshstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_- 
Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
 
50,000.00 none none none 
438.55 
5,802.47 none 
6,014.09 
4,480.19 none none none 
3,245.50 41,978.35 
1,446.85 
8, 768.00 
 
Total ------------------------$ 122,174.00 
 
 DEPART~[ENT OF BA:\'IUXG 
 
317 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
PEOPLES BANK :Mansfield, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton _________ _ 
Advances on Other Commodities ----------------------- 
Checks and Cash Items______ _ 
OOtvheerrdrAafstsset-s -_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ 
Deficit ---------------------- 
 
102,629.41 none none none none none 
3,407.16 none 
594.92 2,451.28 
none 
none none 1,143.22 none none 
 
Total ----------------------~ 0,225.99 
 
LIABILITIES: 
Capital Stock Paid In________ ~ SUunrdpilvuisd e d- -P- -r o- f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_ Dividends Unpaid____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks____________ _ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Other Liabilities____________ _ Stockholders' Assessment __ _ 
 
25,000.00 none 281.38 
none none 18,672.79 
none 3,909.64 
none none 
682.48 none 
H,l16.89 
1,232.63 7,762 28 
5,567.90 
 
Total ------------------------$ 110,225.99 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
:MARIETTA TRUST AND BANKING CO. :Marietta, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ $ 
Demand Loans--------------United States Securities______ State of Georgia Bonds______ 
5tock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House_______________ 
Furniture and Fixtures_______ Other Real Estate Owned____ Due From Banks___ , ________ _ Advances on Cotton__________ 
Advances on Other Commodi- 
tc~!~~s -;;-;.;'d-c-as_h:_{t~~;======= 
 
72,412.57 none none none none 
7,296.88 none none 
455.00 38,514.57 
none 
2,2~~.61 
 
Overdrafts ------------------ 
 
511.86 
 
Other Assets_________________ 208,733.89 
 
Deficit ----------------------- -3- ,675- .00 
Total ------------------------f 3:l7,94l.B8 
 
LIABILITIES: 
Capital Stock Paid In________ $ 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_ -_ -_ _- _- _- _-_- -_ DDiuvei dteon dBs aUn knsp_a_i_d_ _- _- -_-_-_-_-_-_-_-_-_-_Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ 5avings Deposits------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsifPieadyaCbhlee_c_k_S__-_-_--_-_-_-_-_-_-_-_-_--_ 
ONtohteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u_n_t_e_d___ Stockholders' Asse..,smen t __ _ 
 
100,000.00 
8,551.15 none 36.00 
22.36 
147,594.72 
1,360.40 none none none 52.71 none none none 
12,121.92 
68,202.12 
 
Total ------------------------~ 337,941.38 
 
 318 
 
FouRTH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF MAUK Mauk, Ga. 
 
RESOURCES: 
Time Loans and Discounfs____ $ Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bani< Other Stocks and Bonds______ Banking House--------------Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton__________ ,\ dvances on Other CommodiC ht ieecsk s -a- n- -d- -C-a-s-h- -I-t-e-m- -s-_-_-_-_ -_ _- -_ 
Overdrafts -----------------Cther Assets----------------Deficit ---------------------- 
Total ------------------------$ 
 
39,986.03. none none none none none 
1,870.00 1,978.47 
none 163.74 none 
none 355.27 2,123.59 none 24,110.84 
70,587.94 
 
LIABILITIES: 
Capital Stock Paid In--------$ SUunrdpilvuisd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits--------Cashier's Checks------------Certified Checks-------------Bills Payable----------------Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
Total ------------------------$ 
 
15,000.00 1,767.05 none none none 
29,185.93 none none none none 121.98 none 
7,025.19 none 
124.88 17,362.91 
70,587.94 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF MORGAN Morgan, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$' Demand Loans--------------United States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and BondS-----Banking House--------------Furniture and Fixtures______ _ OD tuhee rF rRoema l BEa sntkast_e_ _O_ _w_n_e_d_ ______ __ Advances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks and Cash Items------Overdrafts -----------------Other Assets ___ -------------Deficit ---------------------- 
Total ------------------------$ 
 
46,043.25 none none none none 
2,364.00 3,428.00 2,209.40 4,186.08 
856.42 none 
none ,211.45 272.86 
2.05 2,845.47 
62,418.98 
 
LIABILITIES: 
Capital Stock Paid In--------$ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_ONothteesr aLnidabBiliiltlsiesR_e_d_i_s_c_o_u_n_t_e_d___ Stockholders' Assessment --- 
Total -----------~------------$ 
 
20,000.00 none none none none 
11,558.69 none 
7,312.28 none none 
141.24 none none 
21,033.27 333.50 
2,040.00 
62,418.98 
 
 DEPATIT:\IE:\T OF BAXKIKG 
 
319 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
MERCHANTS AND MINERS STATE BANK McCaysville, Ga. 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------L'"nited States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House ______________ _ Furniture and Fixtures_______ Other Real Estate Owned____ Due From Banks____________ _ Advances on Cotton__________ Advances on Other CommodiChteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-__-_-_--_ Overdrafts -----------------Other Assets----------------Deficit ---------------------- 
Total ------------------------~ 
 
14,252.26 none none none none none 
2,906.38 2,047.99 
none none none 
none none 56.36 94.45 6,080.52 
25,437.96 
 
LIABILITIES: 
Capital Stock Paid In________ $ US unrdpilvui sd e d- -P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid ____________ ..: Due to Banks________________ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------TCPrushstierF'sunCdhDecekps o__s_i_ts_-_-_-_-_-_-_-_-_BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment __ _ 
Total ------------------------$ 
 
15,000.00 none none none none 
2, 704.10 none 
3,160.68 none none none none none none 
315.42 4,257. 76 
25,437.96 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BERRIEN COUNTY BANK Nashville, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities-----State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and BondS-----Banking House_______________ Furniture and Fixtures_______ 
Other Real Estate Owned---Due From Banks____________ _ Advances on Cotton__________ 
Advances on Other Commodities ----------------~------ 
Checks and Cash Items_______ 
 
26,606.19 none none none none none nr,ne none 
7,375.83 7,803.30 
none 
none none 
 
Overdrafts -----------------Other Assets_________________ 
 
none 81.37 
 
Deficit ----------------------- -1-5,2-84.-25 
Total ------------------------$ 57,150.94 
 
LIABILITIES: 
 
Capital Stock Paid In--------$ 
USunrdpilvuids ed--P-r-'-o-fi-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid_____________ Due to Banks________________ 
 
Deposits Subject to Check____ 
Demand Certificates of Deposit TSaimviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_- 
 
Tr 
('~ 
 
ushs 
 
it 
 
e 
 
rF'su 
 
nCd 
 
hDecekps 
 
o__s_i 
 
_t s_-_-_-_-_-_-_-_- 
 
_- 
 
BCiHl ltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _- 
 
Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assessment --- 
 
Total ------------------------$ 
 
25,000.00 none none none none 
7,274.98 none 
9,220.46 none :Pone 65.58 none 
6,221.72 none none 
9,368.20 
57,150.94 
 
 320 
 
FocRTH ANNCAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
FARMERS BANK Nicholls, Ga. 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c__o_u_n_t_s_-_-_--_$ Cnited States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ Banking House_______________ Furniture and Fixtures ___ ~--Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton---------Advances on Other Commodi- 
ties -------------------- __ _ Checks and Cash Items______ _ COtvheerrdrAafstssets-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
Deficit ---------------------- 
Total ------------------------ $' 
 
77,122.15 none none none none none none 
1,919.70 22,900.00 
968.31 none 
none 565.64 
none 526.80 8,528.59 
112,531.19 
 
LlABILITIES: 
Capital Stock Paid In--------$ US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_ -_ _- _- -_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits------------CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_--_ ONothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u__n_te__d_8tock11olders' Assessment --- 
 
15,000.00 none none none none 
4,376.75 rione 
56,845.54 none 
none none none 21,671.75 8,625.40 5,311.75 
700.00 
 
Total ------------------------' 112,531.19 
 
STATEMENT S)lowing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF GWINNETT Norcross, Ga. 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States E'ecnrities______ State of Georgia Bonds______ Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n_d_s____..______ __ Furniture and Fixtures______ _ Other Real Estate Owned ___ _ Due From Banks____________ _ Advances on Cotton---------Advances on Other CommodiChteiecsks -a-n-d--. -C-a-s-h--I-t-e-m--s-_-_-__-_-_--_ OOtvheerrd rAa fstsse t s- _- _- _- _- _- _- _-_-_-_-_-_-_-_-_-_- -_ 
Deficit ---------------------- 
Total ------------------------$ 
 
110,617.28 802.50 none none none none 
3,333. 70 3, 3 81.4 3 
none 188.47 
none 
none 151.00 
none 82.32 3,890.93 
122,447.63 
 
LIABILITIES: 
Capital Stock Paid In--------~ .USnudrpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid------------- 
Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__--_ CT raus hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- _Certified Checks-------------Bills Payable----------------NOothteesr aLnidabBiliiltlsiesR_e_d_i_s_c_o_u__n_te__d_Stockholders' Assessment --- 
Total ------------------------$ 
 
23,000.00 none none none none 
8,030.50 62,564.73 
none none none 33.01 none 21,859.12 none 6,960.27 none 
122,447.63 
 
 DEPART::\IE:NT OF BA:NKING 
 
321 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
EXCHANGE BANK Oakfield, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------united States Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds_____ _ Banking House ______________ _ Furniture and Fixtures______ _ Other Real Estate Owned____ Due From Banks_____________ Advances on Cotton _________ _ Advances on Other CommodiChteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-__-_-_--_ OO tvheerrd rAa fstsse t-s -_-_-_-_-_-_-_ -_ -_ _- _- _- _- _-_-_- -_ 
Deficit ---------------------- 
Total 
 
LIABILITIES: 
 
25,786.08 none none none none none 
3,250.00 1,800.00 
none 587.00 
none none 
none none 294.65 7,208.51 
 
Capital Stock Paid In--------$ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ 
Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit--Savings Deposits____________ _ Trust Fund Deposits________ _ Cashier's Checks_____________ 
BCielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills RediscountedOther Liabilities------------Stockholders' Assessment --- 
 
38,926.24 . Tot~! ------------------------5 
 
15,000.00 none none none none 
13,509.76 none none none none none none none none 
5,296.48 5,120.00 
~8.926.24 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
CITIZENS BANK Ocilla, Ga. 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 137,409.98 Capital Stock Paid In--------$ 78,000.00 
 
Demand Loans--------------L"nited States Securities______ 
 
none none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ 
 
none nune 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
DDiuveidteondBs aUnknsp_a_i_d__--_-_-_-_-_-_-_-_-_-_-_- 
 
none none 
 
Other Stocks and Bonds------Banking House_______________ 
 
none Deposits Subject to Check____ 10,272.90 Demand Certificates of Deposit 
 
48,795.24 n0ne 
 
Furniture and Fixtures_______ Other Real Estate Owned____ Due From Banks_____________ 
Advances on Cotton---------- 
 
9,754.86 none 
2,117.06 
none 
 
Time Certificate of Deposit-__ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_- 
 
none none none none 
 
Advance~ on Other Commodities ------------------------ 
Checks and Cash Items_______ Overdrafts ------------------ 
 
none none 1,106.05 47.37 
 
BC ielrltsi fPi eady aCbhl ee_c_k_s_ _- -_-_-_-_-_-_-_-_-_-_-_- _Notes and Bills RediscountedOther Liabilities_____________ 
 
none 44,218.31 
3,500.00 551.59 
 
Cther Assets_________________ 
 
none Stockholders' Assessmen.t 
 
3,755.00 
 
Deficit ---------------------- 18,111.92 
----- 
 
Total ------------------------~~===1=7=8=,8=2=0==1=4===T==''=ta=l==-=-=-=-=-=-=-=-=-=-==-=-=-=-=-=-=-=-=-=-=-=-=-=~===1=7=8=8=2=0=.1==4 
 
 322 
 
FoLCRTH AxNUAL HEPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
ODUM BANKING CO. Odum, Ga. 
 
RESOURCES: 
Time Loans and Discounts____ $ Demand Loans--------------United States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures_______ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton_________ _ Advances on Other CommodiC ht ieecsk s -a- n- -d- -C-a-s-h- -I-t-e-m- -s-_-_-_-_-_-_ -_ OOtvheerrdrAafstsset-s-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ 
Deficit ---------------------- 
Total ------------------------1 
 
45,763.93 none 
100.00 none none none none none 
3,300.00 2,951.94 
none none none 260.36 5,934.73 none 15,757.52 
7 4,068.48 
 
LIABILITIES: 
Capital Stock Paid IlL-------$ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-_-__--_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit- __ Savings Deposits_____________ 'l'rust Fund Deposits ________ _ CCGe! srthifieierd's CChhecekcsk_:_:__-_-_-_-_-_-_--_-_-_-_-_Bills Payable_________________ 
Notes and Bills Rediscountefl. Other Liabilities____________ _ Stockholders' Assessment --- 
 
15,300,00 none none none none 
2fi,373.R7 none 
18,580.16 none none none none 
8,270.54 none 
5,343. 91 
200.00 
 
Total ---------- __ ----- -----=-=-=-$==7=4'=0,=6=8.=4=8 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
PEOPLES BANK Rebecca, Ga. 
 
RESOURCES: 
 
LIABILITIES: 
 
Time Loans and Discounts____ $ 23,001.65 Capital Stock Paid In--------$ 15,000.00 
 
Demand Loans--------------United States Securities_____ _ 
 
none none 
 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ 
 
none none 
 
State of Georgia Bonds_____ _ 
 
none Dividends Unpaid ____________ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none Due to Banks---------------- 
 
none 
 
Other Stocks and Bonds------ 
 
none Deposits Subject to Check___ _ 
 
1,1D4.96 
 
Banking House--------------- 
 
2,300.00 Demand Certificates of Deposit 
 
none 
 
Furniture and Fixtures------- 
 
1,493.55 Time Certificate of Deposit--- 
 
none 
 
Other Real Estate Owned____ Due From Banks____________ _ Advances on Cotton__________ 
Advances on Other Commodities ----------------------- 
Checks and Cash Items_______ 
 
none 132.19 
none 
none 72.10 
 
Savings Deposits_____________ TCraushstieFr'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks______________ Bills Payable ________________ _ 
Notes and Bills Rediscounted_ 
 
none none none none 15,126.71 none 
 
Overdrafts ------------------ 11,076.69 Other Liabilities------------- 
 
9,480.00 
 
Other Assets_________________ 
 
none Stockholders' Assessment --- 
 
565.02 
 
Deficit ---------~------------ 
 
3,290.51 
 
----- 
 
Total ------------~--=-=-=-=-=-=--=-=-=-=$====41==3=6=6.=6=9===T=o=t=a~l=-=-=-=-=-=-=--=-=-=-=-=-=----~-=-=-=-=-=-=--=$====4=1~,3~6~6=.6=n 
 
 323 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
THE PEOPLES BANK Savannah, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ ~ Demand Loans--------------United States Securities_____ _ State of Georgia Bonds_____ _ Stock in Federal Reserve Dank Other Stocks and Bonds_____ _ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks____________ _ Advances on Cotton _________ _ 
Advances on Other CommodiC ht ei ecsk s -a-n- -d- -C-a-s-h- -I-t-e-m- -s -_-_-_-_-_ _- -_ 
0O1vheerrdrAafstsset-s -_-_-_-_-__-_-_-_-_-_-_-_-_-_-_--_ 
Deficit ---------------------- 
 
857,644.00 66,805.14 none none none 
S7,56f).~~5 
none 1 6,~30.00 
none none none 
none none 1,756.58 'i,421.51 none 
 
Total --:--------=.c::.=-=-==-----$' 1,038,126.58 
 
LIABILITIES: 
Capital Stock Paid In ________ $ 
US unrdpilvui sd e d- -P-r-o-f-i-t-s -_-_-_-_-_-_-_ _- _- _-_-_- -_ Dividends Unpaid_____________ 
Due to BankS---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits ____________ _ Trust Fund Deposits________ _ Cashier's Checks____________ _ Certified Checks______________ Bills Payable ________________ _ 
ONothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u_n_t_e_d___ Stockholders' Assessment __ _ 
 
100,000.00 50,000.00 
3,656.43 none none 
221,921.72 none 
55,099.90 515,628.60 
none none none 39,469.4ii none 6,150.48 
46,200.00 
 
Total ----------------- -------$' 1,038,126.58 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
OGLETHORPE SAVINGS AND TRUST CO. Savannah, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds_____ _ Stock in Federal Reserve Bani< Other Stocks and Bonds______ Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned____ Due From Banks____________ _ Advances on Cotton:_________ _ Advances on Other Commodi- 
Chteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-__-_--_ 
OOtvheerrd rAa fstsse t s- -_-_-_ -_ -_ _- _- _- _- _-_-_-_-_-_-_- -_ 
Deficit ---------------------- 
 
7 10,868.68 none 
110!18 
nonPnone 413,689.{)8 none 1,950.00 91,721.80 none ncne 
TIIJ110 
none 9,843.59 37,887.93 
none 
 
Total 
 
$ 1,295,961.08 
 
LIABILITIES: 
Capital Stock Paid In--------~ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-:_-_-_-_-_-__--_ 
Dividends Unpaid------------Due to Banks---------------Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits------------Trust Fund Deposits--------Cashier's Checks_____________ Certified Checks-------------P.ills Payable_---------~---- Notes and Bills RediscountedOther Liabilities____________ _ 
Stockholders' Assessment 
 
21>0,000.00 150,000.00 
43,294.56 9.00 
951.20 none none 
168,448.20 656,658.64 
2,015.57 none none nc.ne 
20,520.84 
2,883.07 1,150.00 
 
Tctal 
 
-- --- _$ 1,295,961.08 
 
 324 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
COMMERCIAL BANK Savannah, Ga. 
 
RESOURCES: 
 
LIABILI'riE8: 
 
------------------------------- 
 
T1m0 Loans and Discounts........ $ 389,872.90 Capital Stock Paid In________ ~ 
 
Demand Loans ............................ .. United States Securities.......... .. 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
74,526.28 none none none 
 
SLrplus --------------------Undivided Profits____________ _ Dividends Unpaid_ .. __________ _ Due to Banks________________ _ 
 
Other Stocks and Bonds------Banking House.... _____________ _ Furniture and Fixtures .. _____ _ Other Real Estate Owned........ Due From Banks____________ _ 
Advances on Cotton---------Advances on Other CommodiChteiecsks -a-n--d--C-a-s-h--I-t-e-m--s-_-_-_-__-_--_ 
Overdrafts -----------------Other Assets ________________ _ 
 
200.00 ncne 
DO TIP 
37,074.76 none none 
none ncne 
8,31~.64 
28,112.04 
 
Deposits Subject to Check........ Dt,mand Certificates of Deposit Time Certificate of DeposiL .... Savings Deposits____________ _ 
Trust Fund Deposits .... _.......... .. Cashier's Checks_____________ _ Certified Checks ______ ----- __ Bills Payable ________________ _ 
Notes and Bills RedisconnterL Other Liabilities_.. __________ _ Stockholders' AsseRsment ...... 
 
Deficit ---------------------- 
 
~:~ne 
 
----- 
 
Total ------------------------$ 538,098.62 Total ------------------------$ 
 
100,000.00 none 
1,338.91 8.00 
none 117,G84.44 
none 
~2.~21.0!) 
22S,552.73 none none none none none 
4,847.84 63,545.0:J 
538.098.62 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
AMERICAN BANK AND TRUST CO. Savannah, Ga. 
 
RESOURCES: 
 
LIABILITIES: 
 
------------------------------------------------------------- 
 
Time Loans and Discounts........ $ 331,632.92 Capital Stock Paid In.... ------$ 200,000.00 
 
Demand Loans--------------- 
 
none Surplus --------------------- 
 
none 
 
United States Securities_____ _ State of Georgia Bonds.......... .. Sl cck in Federal Reserve Bank 
 
none none none 
 
Undivided Profits .. -----------Dividends Unpaid ____________ _ Due to Banks...._____________ _ 
 
none none 130.84 
 
OBathnekrinSgtoHckosusaen_d___B_o_n_d__s_.._.._.._..._. ._. 
 
750.00 D6posits Subject to Check___ _ none Demand Certificates of Deposit 
 
37,889.73 none 
 
Furniture and F'ixtures .............. 
 
none Time Certificate of DeposiL~- 
 
1,318.74 
 
Other Real Estate Owned ...... .. Due From Banks____________ _ Advances on Cotton----------- 
 
none none none 
 
Savings Deposits_ .. __________ _ Trust Fund Deposits________ _ Cashier's Checks ____________ _ 
 
81,760.53 
none none 
 
Advances on Other Commodities ----------------------- 
Checks and Cash Items______ _ 
 
none none 
 
CBeilrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_--_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ 
 
2 41.6 0 none 
15.650.9fi 
 
Overdrafts ------------------ 
 
2,980.2:~ Other Liabilities .. ------------ 
 
346.80 
 
Other Assets------------------ 
 
4.n6.83 Stockholders' Assessment 
 
5,608.00 
 
Deficit ---------------------- 
 
2,647.23 
 
Total ------------------------$' 342,947.20 Total --------------===~42,94 7.20 
 
 DEPARTMEKT OF BANKIKG 
 
325 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
SCOTT BANKING CO. Scott, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities______ 
State of Georgia BondS-----Stock in Federal Reserve Bank Other Stocks and Bonds-----Banking House______________ _ Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks----------- _ Advances on Cotton _________ _ 
1\dvances on Other Commodi- 
 
26,994.98 
none none none none none 1,200.00 
750.00 
3,000.00 
none none 
 
ties ----------------------Checks and Cash Items_______ 
 
none 144.59 
 
Overdrafts -----------------(Jther Assets_________________ 
 
ncne none 
 
Deficit ---------------------- 15,975.46 ----- 
Total ________________________ $ 48,065.03 
 
LIABILITIES: 
Capital Stock Paid In________ ~ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_-_Certified Checks_____________ _ Bills Payable ________________ _ Notes and Bills Rediscounted_ Other Liabilities____________ _ Stockholders' Assessment __ _ 
Total ------------------------$ 
 
15.000.00 none none none none 
6,134.82 6,116.00 
none nJne none none none 19.87G.'i6 none none 937.65 
48,065.03 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF SHADY DALE Shady Dale, Ga. 
 
RESOURCES: 
TDiemmeanLdoaLnsoaannsd__D__is_c_o__u_n_t_s_-_-_--_$ 
United States Securities-----State of Georgia Bonds-----f'tock in Federal Reserve Bank OBathnekrinSgtoHckosusaen_d___B_o_n__d_s_-_--_-_-_-_ Furniture and Fixtures______ _ Other Real Estate Owned____ Due from Other Banks_______ Advances on Cotton _________ _ Advances on Other Commodi- 
ties ----------------------Checks and Cash Items ----Overdrafts (if any)----------Other Assets_____________ ---Deficit ---------------------- 
Total ------------------------$ 
 
65,876.96 none none none none none 
1, 750.00 1,180.00 
none 67.04 none 
none 9. 77 
none 1,732.30 6,287.32 
16,903.39 
 
LIABILITIES: 
Capital Stock Paid In________ $ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ Dividends Unpaid____________ _ Due to Banks_______________ _ Deposits Subject to Check____ Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_Notes and Bills Rediscounted_ Other Liabilities------------Stockholders' Assessment _. __ 
Total ------------------------$ 
 
25,000.00 15,000.00 
non~ 
none none 3,161.71 none 1,493.38 none none none none 15,001.57 none 4,012.90 13,233,83 
76,903.39 
 
 326 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF SHILOH Shiloh, Ga. 
 
RESOURCES: 
 
'l'ime Loans and Discounts----$ 40,285.21 
 
Demand Loans--------------United States Securities______ 
 
none non(' 
 
State of Georgia Bonds_____ _ 
 
none 
 
Stock in Federal Reserve Bank 
 
none 
 
BOathnekrinSgtoHcokus saen_d___B_o_n_d__s_--_-_-__-_ Furniture and Fixtures______ _ 
 
none 
1,688.61 2,000.00 
 
Other Real Estate Owned---- 
 
1,600.00 
 
Due From Banks------------Advances on Cotton__________ 
 
none none 
 
Advances on Other Commodi- 
 
ties ----------------------Checks and Cash Items_______ 
 
ncne none 
 
Overdrafts ------------------ 
 
196.23 
 
Other Assets----------------- 
 
123.75 
 
Deficit ----------------------- - -5-4 7.-51 
 
Total ------------------------ $' 46,441.31 
 
LIABILITIES: 
Capital Stock Paid In ________ $ US unrdpilvui sd e d- -P- r-o- f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_ -_ Dividends Unpaid ____________ _ Due to Banks_______________ _ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits ________ _ Cashier's Checks____________ _ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted_ Other Liabilities____________ _ Stockholders' Assessment --- 
Total ------------------------$' 
 
15,000.00 nrne r1one none 
ii91.33 2,553.68 
none 10.431.14 
none nnne 
8.95 none 17,356.09 none 500.12 none 
46,441.31 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
THE WALTON COUNTY BANK Social Circle, Ga. 
 
RESOURCES: 
Time Loans and Discounts----$ Demand Loans--------------United States Securities______ State of Georgia Bonds-----Stock in Federal Reserve Bank BOathnekrinSgtoHcokus saen_d___B_o_n_d__s_______-_--_ Furniture and Fixtures ______ _ DOutheeFr rRomealBEanstkast_e__O__w__n_e_d_-_-_-_Advances on Cotton-----,---.A dvances on Other CommodiChteiecsks -a-n--d--C-a-s-h--I-t-e-m-s--_-_-__-_-_--_ OO tvheerrd rAa fstsse t-s-_-_-_-_-_-_-_ -_ -_ _- _- _- _- _-_-_- -_ 
Deficit ---------------------- 
Total ------------------------$ 
 
fi21,067.04 none none none 
5,400.00 none 
5,000.00 1,388.55 6,500.00 4,258.25 
208.84 
none 73.36 none 5,401.02 5,754.49 
555,051.55 
 
LIABILITIES: 
Capital Stock Paid In ________ ~ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-__-_-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits________ _ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_- 
Notes and Bills Re<,liscountedOther Liabilities____________ _ Stockholders' Assessment --- 
 
125,000.00 
5ii,OOO.OO 
17,462.81 none none 
43,371.33 
25,756.81 none none none 
742.69 none 
75,790.85 
153,136.78 11,102.75 
4 7,687.fi3 
 
Total ------------------------$ 555,051.5G 
 
 DEPART::\IENT OF BANKING 
 
327 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF SPARTA Sparta, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United States Securities_____ _ 
State of Georgia Bonds-----Stock in Federal Reserve Bank OB at hnekri nSgt oHc ko su saen_d_ _ _B_o_n_d_ _s ________ _- -_ 
Furniture and Fixtures______ _ Other Real Estate Owned___ _ Due From Banks_____________ Advances on Cotton _________ _ 
Advances on Other Commodi- 
 
64,9-55.62 
none none none none 
9,466.25 none none none none none 
 
C ht ei ecsk s -a- n- -d- -C-a-s-h- -I-t -e m- -s-_-_-_-_-_-_- _- 
 
nnoonnee 
 
Overdrafts -----------------Other Assets_________________ 
 
897.16 12,808.41 
 
Deficit ----------------------- -9-9,8-96.-24 
Total ------------ ------------$ 188,02~.68 
 
LIABILITIES: 
Capital Stock Paid In________ $ 
USunrdpivluids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ DDiuveidteondBs aUnnkps_a_id______-_-_-_-_-_-_-_-_-_--_ Deposits Subject to Check ___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits--------CCta-srthiifeierd's CChheecckks~_-_-_-_-_-_-_-_--_-_-_-_-_-_ Bills Payable________________ _ Notes and Bills Rediscounted_ Other Liabilities____________ _ Stockholders' Assessment --- 
 
25,000.00 none none none 
7,307.11 
83,960.79 39,139.10 
none 
8, 769.07 none none none 
22,857.56 none 
990.05 none 
 
Total ------------------------1 ] 88,023.68 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
STONE MOUNTAIN BANK Stone Mountain, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ Demand Loans--------------United Sta.tes Securities______ State of Georgia Bonds______ Stock in Federal Reserve Bank Other Stocks and Bonds______ 
Banking House--------------Furniture and Fixtures_______ Other Real Estate Owned___ _ Due From Banks___ :_ ________ _ Advances on Cotton__________ 
Advances on Other Commodi- 
 
49,889.60 none none none none none none none 
none 
2,439.80 none 
 
ties ----------------------Checks and Cash Items_______ 
 
none none 
 
Overdrafts -----------------Other Assets_________________ 
 
166.65 272.29 
 
Deficit 
 
- 
 
- 
 
----------- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
- 
 
-2-1,7-7 4-.16 
 
Total ------------------------$' 74,542.50 
 
LIABILITIES: 
Capital Stock Paid In________ $ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-__-_-_-_--_ DDiuveidteondBs aUnknsp_a_i_d_-_.-_-_-_-_-_-_-_-_-_-_-_Deposits Subject to Check___ _ Demand Certificates of Deposit Time Certificate of Deposit_ __ Savings Deposits_____________ Trust Fund Deposits_________ Cashier's Checks_____________ BCielrltsifPieadyaCbhlee_c_k_s__--_-_-_-_-_-_-_-_-_-_-_-_ONothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u__n_te_d_ _Stockholders' Assessment --- 
Total ------------------------$' 
 
15,000.00 none none none none 
43,385.48 none none none none 
517.01 none 
11,923.58 none 
143.77 3,572.66 
74,54 2.50 
 
 328 
 
Foui{TH ANNUAL REPORT 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
BANK OF EMANUEL Swainsboro, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----$ 98,716.60 
 
Demand Loans--------------United States Securities______ 
 
none none 
 
State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none 
 
Other Stocks and Bonds-----Banking House--------------Furniture and F'ixtures_______ Other Rf'al Estate Owned___ _ Due From Banks____________ _ Advances on Cotton _________ _ 
 
446.38 37,500.00 
2, 700.00 9,400.00 
3,624.62 none 
 
Advances on Other Commodi- 
 
none 
 
ties ----------------------Checks and Cash Items------- 
 
677.76 
 
OOtvheerrdrAafstssets-_-_-_-_-_-_-_-_-_-_-_-_~_-_-_-_--_ 
 
3R2.57 21,233.09 
 
Deficit 
 
--- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- 
 
- - - - - - -- 
 
22,653.55 
---- 
 
Total ------------------------$ J97,334.57 
 
LIABILITIBS: 
Capital Stock Paid In ________ ,~ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-_-_-_-__-_--_ Dividends Unpaid____________ _ Due to Banks---------------Deposits Subject to Check---Demand Certificates of Deposit Time Certificate of Deposit___ Savings Deposits_____________ CTraushstierF'sunCd hDecekpso__s_i_ts_-_-_-_-_-_-_-_--_ Certified Checks______________ Bills Payable_________________ NOothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u__n_te__d_Stockholders' Assessment __ _ 
 
50,000.00 none none none none 
54,488.02 none none none none none none 
29,161.02 none 
55,467.10 
8,218.43 
 
Total ------------------------$ 197,334.57 
 
STATEMENT Showing Condition at Close of Business December 28, 1923 
(In Liquidation) of the 
JEFFERSON COUNTY BANK Wadley, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts----~ Demand Loans--------------United States Securities-----State of Georgia Bonds_____ _ Stock in Federal Reserve Bank Other Stocks and BondS---- Banking House--------------Furniture and Fixtures______ _ ODutheerFrRoemalBEasntkast_e__O__w_n_e_d_______ __ Advances on Cotton_________ _ 
Adyances on Other Commodi- 
 
108,055.94 none none 
none 
none 
450.00 none none none 
2,061.34 none 
 
tws ----------------------Checks and Cash Items_______ 
 
none 414.92 
 
Overdrafts -----------------Other Assets_________________ 
 
1, 135.71 27,894.35 
 
Deficit ----------------------___1_7,_6_8_ti_.6_1 
 
Total ------------------------ $ 159,4~)8.87 
 
LIABILITIBS: 
Capital Stock Paid In________ $ 
USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ Dividends Unpaid ____________ _ Due to Banks---------------Deposits Subject to Check ___ _ Demand Certificates of Deposit 8T8imviengCserDtiefipcoastietso_f__D__e_p_o__s_iL__-_CT ar us hs ti e rF' su nCd hDe cekps o_ _s_i_t s_-_-_-_-_-_-_-_- -_ BC<illrstifPieadyaCbhlee_c_k_S__-_-_-_--_-_-_-_-_-_-_-_-_ONothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u__n_te_d_ _Stockholders' Assessment --- 
 
15,000.00 none none none none 
24,664.80 31,160.99 
none none none 
l.O:l3.31 none 
52,620.08 nonE> 
32.569.69 
2,460.00 
 
Total ------------------------1$ 159,498.87 
 
 DEPARTMENT OF BAXKING 
 
329 
 
STATEMENT Showing Condition at Close of Business Deeember 28, 1923 
(In Liquidation) of the 
CITIZENS BANK Waverly Hall, Ga. 
 
RESOURCES: 
 
Time Loans and Discounts____ $ H,lS2.01 
 
Demand Loans--------------L:nited States Securities-----State of Georgia Bonds-----Stock in Federal Reserve Bank 
 
none none none none 
 
OBathnekrinSgtoHckosusaen_d___B_o__n_d_s_-_-_-_-_--_ Furniture and Fixtures______ _ Other Real Estate Owned____ 
 
none 3,613.'i6 
none none 
 
Due From Banks------------Advances on Cotton__________ Advances on Other Commodi- 
 
none none 
 
ties ----------------------Checks and Cash Items_______ 
 
none 72:l.6< 
 
Overdrafts -----------------Other Assets_________________ 
 
689.19 63.ii1. 
 
Deficit ---------------------- 23,131.37 
---- 
 
'l'otal ------------------------ $' 52,463.57 
 
LIABILITIES: 
Capital Stock Paid In--------$ USunrdpilvuids ed--P-r-o-f-i-t-s-_-_-_-_-_-_-__-_-_-_-_--_ D>vidends Unpaid ____________ _ Due to Banks________________ Deposits Subject to Check___ _ DLmand Certificates of Deposit STaimviengCserDtiefpicoastietso_f__D__e_p_o__s_iL__-_- 
CTraushstierF'sunCd hDecekps o__s_i_ts_-_-_-_-_-_-_-_--_ 
BCielrltsifPieadyaCbhlee_c_k_s_-_-_-_-_-_-_-_-_-_-_-_-_-_- 
NOothteesr aLnidabBiliiltlisesR_e_d_i_s_c_o_u__n_te__d_Stockholders' Assessment --- 
 
15,800.00 none none none none 
17,543.65 none 
G,/99.06 none none 
'i66.64 none none none 
164.31 
12,389.91 
 
Total ------------------------ $' ~2,46:!.57