DEPARTMENT OF BANKING STATE OF GEORGIA ATLANTA 1928 STEIN PRINTING COMPANY STATE PRINTERS ATLANTA, GA. STATE OF GEORGIA DEPARTMENT OF BANKING Created by Act Approved August 16, 1919. NINTH ANNUAL REPORT YEAR ENDING DECEMBER 31, 1928. DEPARTMENT ESTABLISHED 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 August 14, 1920; August .21, 1922; August 13, 1924; August 26, 1925 and August 25, 1927. 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. A. B. MOBLEY, Superintendent of Banks. IV DEPARTMENT OF BANKING DEPARTMENT OF BANKING STATE OF GEORGIA ATLANTA. December 31, 1928. To THE HoNORABLE L. G. HARDMAN, Governor, State of Georgia, Atlanta, Ga. Dear Sir: As required in Sections 15 and 16 of Article 2 of the Banking Law, I have the honor to submit herewith, this, the ninth annual report of the Department of Banking for the year ending December 31, 1928. This report consists of the following schedules and exhibits: 1. Exhibit "A", Official Roster of the Department of Banking. 2. Exhibit "B", a statement of receipts and disbursements of the Department for the year 1928. 3. Exhibits "C", "D", "E", "F", "G", "H", "I", "J", and "K" coverin~ miscellaneous applications relative to charter amendments, applications to merge, renewal of charters, surrender of charters, etc. 4. Exhibit "L", a list of banks in process of voluntary liquidation. 5. Exhibit "M", a list of branch banks now in operation. 6. Exhibit "N", a condensed statement showing the disposition of banks: in Georgia during the year 1928. 7. Exhibit "0", a list of banks and branches that are members of the Federal Reserve System. 8. Exhibits "P", "Q", "R", and "S" representing a list of banks taken possession of by the Department during 1928, a list of banks in liquidation showing dividends paid to creditors and remaining funds on hand, a list of banks the liquidation of which was completed during 1928, and a list of banks concerning which previous reports showed the liquidation completed to whose credit the Department has on hand small balances undistributed. NINTH ANNUAL REPORT v In addition to the above exhibits your attention is respectfully invited to the following schedules: 1. A list of Credit Unions under the supervision of the Department of Banking. 2. A list of Small Loan Companies under the supervision of the Superintendent of Banks. 3. A consolidated statement showing condition of 353 banks and 18 branches as of December 31, 1928 with a comparative statement of 383 banks and 20 branches as of December 31, 1927. 4. A list of banks in Georgia showing in detail the published statement of each bank as of December 31, 1928, this statement giving an itemized report of the assets and liabilities of the bank, the date the bank was chartered, and the date it began business, the name of the president and the name of the cashier of the bank. 5. A consolidated statement showing total assets and liabilities of National banks in Georgia as of December 31, 1928 as reported to this Department by Comptroller of the Currency of the United States. In accordance with Sub-Section 6 of Section 16 of Article 2 of the Banking Law I am attaching hereto and making a part of this report a separate letter containing such recommendations as to amendments of the Law which, in my opinion, should be given consideration by the General Assembly of Georgia. With grateful appreciation for your counsel and co-operation during the year under review, I am Respectfully yours, A. B. MOBLEY, Superintendent of Banks. VI DEPARTMENT OF BANKING DEPARTMENT OF BANKING STATE OF GEORGIA ATLANTA December 31, 1928. HoN. L. G. HARDMAN, Governor, State of Georgia, Atlanta, Georgia. Dear Sir: In compliance with Sub-section 6 of Section 16 of Article 2 of the Banking \ Act, I am giving some suggestions for amendment to the laws relating to banking by which the system may be improved and the security of depositors and other creditors increased. 1. Article 1, Section 3 should be amended, defining branch banks, as follows: ''The term branch, as used in this Section, shall be held to include any branch bank, branch office, branch agency, additional office, or any branch place of business located in the State, at which deposits are received, or checks paid, or money lent." 2. Article 6, Section 1 should be amended so that when a bank reduces its capital to make good an impairment that the stockholders of the bank should be liable for twelve months, in the event of failure, up to 100% on the par value of the stock before the reduction. 3. Article 7, Section 19 should be amended to define "unremitted collections" for which a lien is given by Section 34 of Article 19. 4. Article 10, Section 6 should be amended to provide that the Secretary of State in renewing bank charters granted by special act of the General Assembly shall include in such renewal that said charter is being extended subject to all the provisions and requirements of existing laws. This amendment issuggested for the purpose of clarifying the status of legislative charters which have been renewed from time to time. 5. Article 19, Section 1 should provide that the annual meeting of the stockholders of a bank shall be fixed as of a particular date, say, the second Tuesday, or second Friday, in January of each year. NINTH ANNUAL REPORT VII 6. Article 19, Section 12 should be amended to specifically provide that loans to firms of officers and directors must be amply secured in the same manner as loans to such persons individually. 7. Article 19, Section 13 should be amended so as to define and limit loans to a municipality, county or other political subdivision of the State on warrants. 8. Article 19, Section 15, dealing with real estate loans, should specifically provide that such loans should not exceed 20% of the bank's capital and unimpaired surplus. 9. Article 19, Section 23, as amended August 25, 1927, which limits the amount a bank may invest in bonds and securities to 25% of its capital and unimpaired surplus, should be amended to provide that a bank may not invest more than 25% of its capital and unimpaired surplus in "any one issue" of investment securities. In other words, I am of the opinion that this limitation as it now exists, works an undue hardship on some of the best banks in the State and should be modified in some way. I am further of the opinion that banks should not invest depositors' funds in foreign bonds without first obtaining the approval of the Superintendent of Banks. In my annual report of December 31, 1927, I made the following recommendation, which I renew: "Regulation and supervision covering private banks. It is well known that under the present law there is no supervision or regulation of private banks and bankers. Any individual or partnership with neither character nor capital can open a private bank and solicit deposits from the public and engage in all the varied activities of a bank. This, in my opinion, is unjust, both to the regular banking institutions and to the public as well. The fact that some of these private banks are well managed and entirely solvent does not change the situation. Regulation and supervision would be unnecessary if all banks were capably and honestly administered and were entirely solvent. It is the weak institution and the one that is not properly managed which should be under regulation and whose operations should be supervised. "In my opinion, the question of the proper regulation of these banks should be given earnest consideration with a view to adopting regulatory measures such as are in force in most of the other states." "Regulation and Supervision of Trust Companies. The present situation with regard to trust companies in this State is not at all satisfactory, either to the trust companies themselves or to the De- VIII DEPARTMENT OF BANKING partment of Banking. The General Assembly, at its last session, adopted an act for the regulation of trust companies which is a step in the right direction, but which leaves much to be desired. This act places all trust companies organized under the General Trust Company Act of 1898 under the supervision of the Superintendent of Banks. The Act as construed by the Attorney General applies to such companies whether they exercise banking powers or not, and regardless of whether they receive deposits or engage in banking business. It also places under the supervision of the Superintendent those trust companies which exist under special acts of the Legislature adopted prior to the amendment of the Constitution in 1892. "The Act, however, expressly excludes from such supervision, savings and loan companies chartered by the Superior Court. The Attorney General also holds that although the charters of these companies may have been amended by the Secretary of State, as provided by the Act of 1910, they are still not within the purview of the Trust Company Act and are not under the supervision of the Superintendent. "The Act also requires that trust companies which receive deposits, if they are not already such by the terms of their charters, must have their charters amended so as to come under the terms of the Banking Act. As to such trust companies, the present laws as amended at the last session are perhaps fairly satisfactory, but the situation of trust companies which are under the supervision of the Department and yet who do not receive deposits or transact banking business, is anomalous and not at all satisfactory. Such companies must be subjected to the same examinations and make the same reports as banking institutions, though the character of their business seems to render this altogether unnecessa~. "The principal difficulty of the present situation, however, is with regard to those corporations which are not banks or trust companies, but which are engaged in similar business directly competing both with banks and trust companies and which are generally regarded by the public as banking institutions. These corporations existing under charters granted by the Superior Courts frequently accept savings deposits in large amounts and to all intents and purposes are banks. They are under no sort of regulation and there are no safeguards whatever thrown around. NINTH ANNUAL REPORT IX "As was said with regard to private banks, some of these institutions are well managed and are entirely solvent, but the fact remains that they are doing business without any supervision whatsoever and with no protection for their depositors or other persons doing business with them. There is no more reason why a bank or a trust company should be regulated than that these institutions should be regulated. "In my opinion, Georgia needs a comprehensive act regulating trust companies. Our Act of 1898 does not meet the situation. It is not a modern Trust Company Act. The amendment does not make it so. Such an Act should make some provision for the regulation of investment and loan companies which receive savings deposits and carry on business virtually as banks or independent legislation to cover this particular class of corporations should be adopted." In addition to the above, I suggest the following: That the laws governing Trust Companies and Banks which have Trust Company powers be amended so as to require such Banks and Trust Companies to segregate all assets held in any fiduciary capacity from their general assets and to keep a separate set of books and records showing in proper detail all transactions engaged in on account of trusts committed to them; and that no bank shall receive in its Trust Department deposits of current funds subject to check or to deposit checks, drafts, bills of exchange or other items for collection or exchange purposes; and that funds deposited or held in trust awaiting investment shall be carried in separate account and shall not be used by the bank or trust company in the conduct of its business unless it shall first set aside in the Trust Department bonds of this State or of the United States, or other securities approved by the Superintendent of Banks, and in the event of the failure of such bank or trust company the owners of the funds held in trust for investment shall have a lien on the bonds or other securities so set apart in addition to their claim against the assets of the bank; and that such banks and trust companies shall be authorized to execute bonds for the protection of trusts when required to do so by the laws of this State; and that the oath required of an executor, administrator, guardian or other fiduciary may be made on behalf of such bank or trust company by the President, VicePresident, Cashier or Trust Officer thereof; and that it shall be unlawful for any trust company or bank having trust powers to lend to any officer, director, or employee any funds held in trust by it, and that any officer, director, or employee making such loan or to whom such loan is made shall be guilty of a felony and subject to a fine not exceeding $5,000.00, or to imprisonment for not more than five years, or to both fine and imprisonment in the discretion of the court. X DEPARTMENT OF BANKING These prov1s1ons are substantially the same as are required of National Banks exercising trust powers under the provisions of the Federal Reserve Act. In my opinion they throw a necessary safeguard around trust funds. At the present time the law does not require that trust funds shall be kept separate or separate books and records kept for trust departments. With the rapid increase in trust business it is desirable that the method of handling such business should be prescribed and that trust estates should be more rigidly safeguarded than they are at present. Proper support and maintenance of the Department of Banking should provide for competent and efficient supervision. In the exhibit of Income and Expenses, it will be noted that on January 1, 1928, the Department had on hand $3,539.41, and that it had on hand December 31, 1928, $4,343.45, showing a profit in operations of $804.04. I call your attention, however, to the fact that the Income during the year was augumented by unclaimed dividends of closed banks turned over to the Department in the sum of $4,047.98. So that, the Department really operated at a loss during the year 1928 of $3,243.86. The income of the Department proper is derived from the fees charged operating banks, and based upon the resources of the banks. Due to mergers, closing, and reduction of resources, this income constantly has been reducing since 1920, when there were 617 banks in operation with resources almost double the resources of the banks at the present time. It may be that we will have fewer banks in the future, and yet the efficiency of supervision should not be impaired, and so long as the resources of the Department justify it, I think we should not reduce the number of examiners. I give below the number of banks and examiners for the different years: Year 1920 1921 1922 1923 1924 1925 1926 1927 1928"" 1929 (March) No. of Banks 617 596 560 579 579 483 401 383 353 346 No. of Branches 24 22 39 43 45 49 29 20 18 17 No: of Examiners 12 14 14 12 9 9 9 8 8 7 There are certain overhead expenses which are necessary regardless of the number of banks under supervision, if the Department is to be maintained NINTH ANNUAL REPORT XI on an efficient basis. The reduction in the number of the examiners would weaken the efficiency of the Department. Under the present plan, the banks themselves pay for supervision and the charges made are as high as they should be. My suggestion is that, since the public generally is vitally concerned in an efficient Banking Department, the revenue of the Department should be supplemented by an appropriation out of the State Treasury each year. To that end, it is suggested that if possible the legislature be prevailed upon at its coming session to put the Department of Banking on an appropriation basis, and appropriate for its operation an annual sum of not less than $65,000.00. This measure might provide that the scale of fees, as now in operation, should be continued and that all fees received by the Department should be turned into the State Treasury. With this appropriation, the salary of the Assistant Superintendent of Banks and the Examiners might be increased to an amount that will be more commensurate with their duties and responsibilities. In my opinion, the Assistant Superintendent of Banks should be paid not exceeding $4800.00 a year and the Examiners should be paid not exceeding $3600.00 per year. ABM-DLB. Respectfully, A. B. MGBLEY, Superintendent of Banks. NINTH ANNUAL REPORT XIII Exhibit "A." DEPARTMENT OF BANKING, STATE OF GEORGIA OFFICIAL ROSTER December 31, 1928. A.B. MOBLEY . Superintendent of Banks J.E.CAGLE Ass't. Superintendent of Banks EXAMINERS Name Address Denmark, J. E. ____________ Atlanta _______________ _ Douglass, E. B. ____________ Talbotton_____________ _ Forrester, Richard_____ "___ Montezuma ___________ _ Gruver, C. L. ______________ Statesboro ____________ _ Henderson, N. R. _________ Douglasville___________ _ Jackson, 0. G. ____________ Atlanta _______________ _ Lloyd, W. D. _______________ Tallapoosa ____________ _ Sisk, M. E, ________________ Greensboro ___________ _ Salary $200.00 200.00 200.00 200.00 200.00 200.00 200.00 200.00 OFFICE ASSISTANTS Name Position Johnson, Miss Annette ____ Secretary______________ _ Bowles, Miss Edith ________ Secretary_____________ _ Conner, Miss Mary ________ Secretary _____________ _ Salary $137.50 115.00 115.00 Marshall, Theodore ________ Porter_ ________________ _ 50.00 XIV DEPARTMENT OF BANKING Exhibit "B." DEPARTMENT OF BANKING, STATE OF GEORGIA Receipts and Disbursements, 1928. RECEIPTS: Balance, Jan. 1, 1928__________________________________ $ Examination Fees _________________________ $ 46,990.50 Fines and Penalties_______________________ 510.00 MiscellaPeous Income_____________________ 82.23 Unclaimed Dividends, surrendered to Department under order of Court__________ 4,047.90 Total Income for 1928_ ____ __ __ ________ ________ ___ ___ __ _ 3,539.41 51,630.63 1C01CAL _________________________________________________________ $ 55,170.04 DISBURSEMENTS: Superintendent's Salary__________________ $ 6,000.00 Ass't. Superintendent's Salary___________ _ 3,600.00 1Craveling Expense, Superintendent______ _ 327.38 1Craveling Expense, Ass't. Supt. __________ _ 74.80 Office Assistants' Salaries________________ _ 4,659.44 Examiners' Salaries ______________________ _ 19,046.64 Examiners' Expenses (1Craveling) _________ _ 13,383.64 Printing and Stationery__________________ _ 1,719.75 Miscellaneous Office Expense _____________ _ 1,814.94 ----- 1Cotal Disbursements _____________________ _ Balance Cash on hand with W. J. Speer, State 1Creasurer, as of December 31, 1928__ 50,626.59 $ 4,543.45 SMALL LOA!N COMPANIES Receipts and Disbursements, 1928. RECEIPTS: LicenseFees ______________________________________________ $ DISBURSEMENTS: Licensing Officials, Compensation____________ $ Chief Clerk___________________________________ Inspection & Supervision____________________ 3,150.00 750.00 108.36 4,008.36 4,008.36 "!" - - ' NINTH ANNUAL REPORT XV APPLICATIONS FOR CHARTER APPROVED. Exhibit "C." NAME OF BANK LOCATION CAPITAL APPROVED Dublin Band&TrustCo. ____ Dublin_______ $ 100,000.00 Granite City Bank __________ Elberton _____ 50,000.00 Geo. D. Warthen Bank______ Sandersville __ 50,000.00 Merchants Trust Co. ________ Valdosta _____ 100,000.00 10--27-28 12-2-27 1-18-28 5-14--28 PERMIT ISSUED 11-1-28 1-3-28 1-20-28 5-19-28 APPLICATION TO MERGE APPROVED. Exhibit "D." NAME OF BANK LOCATION APPROVED TO BE KNOWN AS Athens Savings Bank and National Bank of AthE-ns __ Athens _______ Merchants & Planters Bank and CitY National Bank___ Griffin_______ Exchange Bank and Citizens & Southern National Bank Savannah____ 4-19-28 1-1-28 12-13-28 National Bank of Athens. City National Bank. Citizens & Southern Na tional Bank. Exhibit "E." APPLICATIONS TO CHANGE CORPORATE NAME APPROVED. NAME OF BANK LOCATION City Savings Bank __________ Atlanta ______ Savings Bank of Griffin_____ Griffin_______ DATE TO BE KNOWN AS 7-31-28 2-3-28 City Savings Bank & Trust Co. Commercial & Savings Bank. Exhibit "F." AMENDMENTS TO CHARTERS TO INCREASE CAPITAL APPROVED. NAME OF BANK LOCATION DATE INCREASED FROM Citizens Trust Co. __________ Atlanta ______ City Savings Bank__________ Atlanta ______ Griffin Banking Co. _________ Griffin_______ Continental Trust Co. ______ Macon _______ 12-28-28 7-31-28 7-31-28 12-18-28 ' $100,000 to $120,000 100,000 to 200,000 100,000 to 150,000 150,000 to 350,000 '" - ll XVI I DEPARTMENT OF BANKING Exhibit "G." AMENDMENTS TO CHARTERS TO DECREASE CAPITAL APPROVED. NAME OF BANK LOCATION DATE Bank of Newton County _____ Covington ____ The Farmers Bank ___________ Monroe ______ Newnan Bank & TruEt Co. __ Newnan ______ 4--3-28 2-24--28 6-6-28 DECREASED FROM $ 80,000 to $ 70,000 150,000 to 100,000 200,000 to 100,000 Exhibit "H." APPLICATION FOR RENEWAL OF CHARTER FOR THIRTY YEARS APPROVED. NAME OF BANK LOCATION Merchants & Mechanics Bank _____________________ Columbus ______ Union Banking Co. __________ Douglas ________ Bank of Rutledge ___________ Rutledge _______ Savannah Bank & Trust Co. Savannah______ Sylvester Banking Co. _______ Sylvester_______ Bank of Unadilla ____________ Unadilla _______ DATE OF CHARTER Dec. 14, 1871 Dec. 27, 1898 Sept. 24, 1898 Oct. 20, 1898 July 5, 1898 July 5, 1898 DATE APPROVED May 16, 1928 Nov. 16, 1928 Sept. 20, 1928 Nov. 8, 1928 Apr. 17, 1928 Jan. 26, 1928 Exhibit "I." APPLICATIONS TO SURRENDER CHARTER APPROVED. NAME OF BANK LOCATION DATE APPROVED Title Guaranty & Trust Co. ________________ Atlanta ______ Aug. 4, 1928. Clermont State Bank_______________________ Clermont_____ Sept. 24, 1928. Columbus Loan & Banking Co. ____________ Columbus ____ Jan. 26, 1928. Bank of Enigma ____________________________ Enigm:;. ______ Aug. 7, 1928. Pendergmss Banking Co. ___________________ Pendf'rgrass __ Sept. 6, 1928 Peoples Exchange Bank ____________________ Tennille _____ Aug. 4, 1928 McDuffie Bank_____________________________ Thomson _____ Nov. 10, 1928. APPLICATIONS DISAPPROVED. Exhibit "J." NAME OF BANK LOCATION DATE HANDLED NATURE OF APPliCATION Farmers Bank_______________ Naylor_______ 3-14-28 Surrender Charter. NINTH ANNUAL REPORT MISCELLANEOUS APPLICATIONS. XVII Exhibit "K." NAME OF BANK LOCATION DATE HANDLED City Savings Bank __________ Atlanta ______ Empire Trust Co. ____________ AtlaPta ______ 7-31-28 7-3-28 Savannah Bank & Trust Co. Savannah____ 11-8-28 NATURE OF APPLICATION AND DISPOSITION To acquire trust powers. To acquire banking powers. Amend charter by includ- ing therein provisions of Sec. 2, Art. 19 of the Banking Laws of Georgia and by striking from charter all provisions conflicting therewith. BANKS IN VOLUNTARY LIQUIDATION. (FIFTEEN) Exhibit "L." NAME OF BANK LOCATION DATE APPROVED Bank of Jakin __________________ . ________ Jakin ________ Feb. 17, 1923. Bank of Willacoochee _____________________ Willacoochee __ May 18, 1925. Farmers Banking Co. _____________________ Covington____ April6, 1925. Jasper County Bank_____________________ Monticello ____ April6, 1926. Farmers Bank ___________________________ Vidette _______ June 28, 1926. Claxton Bank ____________________________ Claxton______ Nov. 9, 1926. Bank of Bostwick ________________________ Bostwick_____ Dec. 2, 1926. Union Banking Co. ______________________ Monroe _______ Feb. 12, 1927. Dacula Banking Co. ______________________ Dacula _______ Feb. 15, 1927. Sharpsburg Banking Co. _________________ Sharpsburg __ Nov. 12, 1927. Bank of Boston__________________________ Boston _______ Dec. 31, 1927. Bank of Buckhead _______________________ Buckhead____ July 14, 1927. Bank of Lincolnton ______________________ Lincolnton ___ Feb. 10, 1928. Bank of Stephens ________________________ Stephens ____ Sept. 11, 1928. Pendergrass Banking Co. _________________ Pendergrass __ May 15, 1928. Council Bank ____________________________ Ellaville ______ Approval pending. Pittard Banking Co. _____________________ Winterville ___ Approval pending. XVIII DEPARTMENT OF BANKING Exhibit "M." BRANCH BANKS UNDER THE SUPERVISION OF THE DEPARTMENT OF BANKING. NAME OF BRANCH LOCATION NAME OF PARENT AND LOCATION Farmers Bank~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Alamo~~~~--~~ Farmers Bank, Glenwood. Brunswick Bank & Trust Co., (Arco Br.) ~ Brunswick___ Brunswick Bank & Trust Co., Brunswick. Georgia Railroad Bank, llll Broad St. __ ~ Augusta _____ Georgia Railroad Bank, Augusta. Union Banking Company~ _______________ Broxton~ __ ~~_ Union Banking Co., Douglas, Ga. Farmers & Merchants Bank ________ ~ _____ Calvary __ ~ ___ Farmers & Merchants Bank, Cairo, Ga. Columbus Bank & Trust Co., 14th St. Branch___________ ~-~~~_~ ___ ~- _____ ~_~ __ Columbus ____ Columbus Bank & Trust Co., Columbus, Ga. Columbus Bank & Trust Co., N. Highland Branch ________________________________ Columbus ____ Columbus Bank & Trust Co., Columbus, Ga. Columbus Bank & Trust Co., 2nd Ave. & 30th St------------------------------~~ Columbus ____ Columbus Bank & Trust Co., Columbus, Ga. Cornelia Bank____________________________ Demorest_____ Cornelia Bank, Cornelia, Ga. Bank of Buford __ ~-~~~~ __ ~_~-~-~-~ _______ Duluth ______ Bank of Buford, Buford, Ga. Greenville Banking Company ____________ ~ GaY-----~---- Greenville Banking Co., Greenville, Ga. Brunswick Bank & Trust Co. ____________ JesuP--~----- Brunswick Bank & Trust Co., Brunswick, Ga. Citizens Bank___ ~ ________________________ Nahunta _____ Citizens Bank, Folkston, Ga. Union Banking Company ________________ Nichols ____ ~_ Union Banking Co., Douglas, Ga. Farmers Bank of Pelham _________________ Sale City____ ~ Farmers Bank, PE-lham, Ga. Bank of Buford __________________________ Suwanee _____ Bank of Buford, Buford, Ga. Mt. Vernon Bank_________________________ Uvalda __ ~---- Mt. Vernon Bank, Mt. Ver- non, Ga. Griffin Banking Company _______________ Williamson ___ Griffin Banking Co., Griffin, Ga. NINTH ANNUAL REPORT XIX Exhibit "N." DISPOSITION OF STATE BANKS IN GEORGIA DURING THE YEAR, 1928. Banks Branches Banks in operation January 1, 1928_ _________________ ___ __ ____ 383 20 Banks in operation December 31, 1928 ___________________________3_5_3_ _ _ _ 18 Decrease During Year_____________________________________ 30 2 Banks Merged_________________________________________________ 4 1 Athens Savings Bank, Athens, Merchants & Planters Bank, Griffin, Exchange Bank, Savannah, Exchange Bank, (Branch) Savan.1ah, Farmers & Citizens Bank, Buchanan. Banks Surrendering Charters .. __________________________ 2 Pendergrass Banking Company, PendE-rgrass, People's Exchange Bank, Tennille. Banks Entering Voluntary Liquidation_______________________ 5 Bank of Lincolnton, Lincolnton, Bank of Stephens, Stephens, Council Bank, Ellaville, Pittard Banking Company, Winterville, Bank of Buckhead, Buckhead. Banks Closed During Year_ __________________________________ _ 23 1 Sparks-Adel Banking Company, Adel, Douglasville Banking Company, Douglasville, Douglasville Banking Company, (Branch) Winston, Wage Earners Savings Bank, Savannah, Farmers Bank, Naylor, Peoples Bank, Soperton, Cadwell Banking Company, Cadwell, Bank of Baconton, Baconton, First Bank of Cook County, Adel, Bank of Hahira, Hahira, Farmers State Bank, Hahira, Hogansville Banking Company, Hog::msville, Bank of Norman Park, Norman Park, Farmers Bank, Byron, Citizens Bank, Fort Valley, Citizens Banking Company, Culloden *Bank of Preston, Preston, *Bank of Byromville, Byromville, Bank of Bradley, Bradley, Farmers & Merchants Bank, Gordon, Bank of Metter, Metter, Lilly Banking Company, Lilly, Planters Bank, Americus, Temple Banking Company, Temple. Total ___________________________________________________ _ 34 2 Banks Opened for Business During Year_ _____________ -_______ 4 Dublin Bank & Trust Company, Dublin, Granite City Bank, Elberton, Geo. D. Warthen Bank, Sandersville, Merchants Trust Company, Valdosta. Net Decrease Shown Above_____________ ------------ ______ _ 30 2 *Reinstated January, 1929. XX DEPARTMENT OF BANKING Exhibit "0." STATE BANK MEMBERS OF FEDERAL RESERVE SYSTEM. Atlanta Trust Company_________________________________ Atlanta Georgia Savings Bank & Trust Co. ______________________ Atlanta Trust Company of Georgia ______________________________ Atlanta Citizens Bank & Trust Co. ______________________________ Bainbridge Brunswick Bank & Trust Co. ___________________________Brunswick Peoples Bank ___________________________________________ carrollton Citizens Bank of Claxton________________________________ Claxton Northeastern Banking Company________________________ commerce Exchange Bank of Cordele ______________________________ Cordele Bank of Dawson______________________________________ --Dawson Bank of Eastman ______________________________________ -Eastman Citizens Banking Company ____________________________ -Eastman Farmers & Merchants Bank_________________________ ----Eatonton Middle Georgia Bank____________________________________ Eatonton Monroe County Bank __________________________________ -Forsyth Bank of Graymont _____________________________________ -Graymont Greenville Banking Company __________________________ -Greenville Peoples Bank ___________________________________________ Greenville Bank of Hoschton _____________________________________ -Hoschton Jackson Banking Company _____________________________ Jackson Citizens Bank & Trust Co. ______________________________ Jefferson LaGrange Banking & Trust Co. _________________________ LaGrange Brand Banking Company ______________________________ -Lawrenceville Farmers State Bank __________________________________ --Lincolnton Bank of Henry County __________________________________ McDonough Farmers & Merchants Bank ____________________________ -McDonough Continental Trust Company ____________________________ Macon Bank of Candler County ________________________________Metter The Citizen Bank _______________________________________Metter Bank of Millen __________________________________________Millen Bank of Monroe _________________________________________ Monroe Farmers Bank___________________________________________Monroe Farmers Bank of Pelham _______________________________ -Pelham Bank of PortaL _________________________________________ Portal Citizens Stat~:> Bank____________________________________Reynolds Rhine Banking Company ________________________________Rhine Peoples Bank ___________________________________________ Sardis Bank of Sasser __________________________________________ Sasser Citizens Bank & Trust Co. _______ . ______________________ savanrah Liberty Bank & Trust Co. _______________________________ Savannah Savannah Bank & Trust Co. ____________________________ savannah Bank of Soperton _______________________________________ Soperton Bank of Statesboro _____________________________________ Statesboro Central Bank ___________________________________________ Swainsboro Bank of Toccoa_ ________ _______________________________Toccoa Bank of Wadley _________________________________________ Wadley BRANCHES Brunswick Bank & Trust Co. ___________________________ Arco Greenville Banking Company ___________________________ Gay Brunswick Bank & Trust Co. ___________________________ Jesup Farmers Bank of Pelham ________________________________ Sale City NINTH ANNUAL REPORT XXI CREDIT UNIONS UNDER THE SUPERVISION OF THE DEPARTMENT OF BANKING. As of December 31, 1928. NAME LOCATION DATE OF APPROVAL A. B. & A. Railway Credit Union _________________________ Atlanta ______ Jan. 14, 1926. The Acco Credit Union___________________________________ Atlanta ______ Oct. 17, 1928. Apaco Credit Union ______________________________________ Atlanta ______ Apr. 27, 1928. Atlanta Ry. Postal Clerk's Credit Union__________________ Atlanta ______ Mar.14, 1928. Atlanta City Employees' Credlt Union ____________________ Atlanta ______ Aug. 21,1928. Atlanta Journal Employees' Credit Union ________________ Atlanta ______ Apr. 27, 1928. Atlanta Lodge 522 B. of R. C. Clerk's Credit Union _______ Atlanta ______ Mar. 14, 1928. Atlanta Lodge No.1 (I. A. & M.) Credit Union ____________ At~anta ______ Aug. 8, 1927. Atlanta Postal Credit Union ______________________________ Atlanta ______ Nov. 3, 1925. Atlanta Public School Teachers' Credit Union ____________ Atlanta ______ Nov. 16,1926. Atlantic Steel Company Credit Union ____________________ Atlanta ______ Nov. 23,1926. Atlanta Western Union Employees' Credit Union _________ Atlanta ______ Mar. 14, 1928. Circle "W" Credit Union _________________________________ Atlanta ______ Aug. 29, 1927. The Electrical Workers' Credit Union _____________________ Atlanta ______ Mar. 14, 1928. Exposition Cotton Mill Employees' Credit Union__________ Atlanta ______ Mar. 26, 1928. Fulton Lodge No. 204, B. of R. C. Credit Union __________ Atlanta ______ Mar. 14, 1928. GA-WP General Credit Union ____________________________ Atlanta ______ July 5, 1928. Georgian-American Credit Union _________________________ Atlanta ______ Feb. 3, 1928. Georgia Lodge No. 102, B. of R. C. Credit Union __________ Atlanta ______ Mar. 14, 1928. The Jacobs Credit Union ________________________________ Atlanta ______ Dec. 27, 1928. McAdoo Lodge NJ. 256, B. of R. C. Credit Union __________ Atlanta ______ Mar.14, 1928. Public Service Credit Union______________________________ Atlanta ______ Dec.17, 1928. Red Seal Credit Union ___________________________________ Atlanta ______ Mar. 14, 1928. Right Way Credit Union__________________________________ Atlanta ______ Mar.14, 1928. Ruralist Press Credit Union ______________________________ Atlanta ______ Dec. 7,1927. The S. A. L. Employees' Credit Union ____________________ Atlanta ______ Apr. 27,1928. The Statehouse Employees' Credit Union ________________ Atlanta ______ May 3, 1928. Southeastern Express Credit Union ______________________ Atlanta ______ Apr. 27,1928. The Thrift Credit Union _________________________________ Atlanta ______ Oct. 22, 1928. The Unionists Credit Union______________________________ Atlanta ______ Apr. 27,1928. Western and Atlantic Credit Union_______________________ Atlanta ______ Mar. 14, l 928. Augusta Federal Employees' Credit Union_________________ Augusta _____ Dec. 27, 1928. Georgia Railroad Credit Union ___________________________ Augusta _____ Dec. 28, 1928. King Mill Credit Union __________________________________ Augusta _____ June 29,1927. Lombard Credit Union ___________________________________ Augusta _____ June 29,1927. Columbus Postal Employees' Credit Union _______________ Columbus ____ Dec. 15,1926. The G. 0. T. Credit Union _______________________________ Macon _______ June 6,1928. The Hub Credit Union___________________________________ Macon _______ June 6,1928. Macon Federal Employees' Credit Union __________________ Macon _______ Feb.1, 1926. Public Utilities Credit Union_____________________________ Macon _______ Feb. 13, 1928. Floyd County Postal Employees' Credit Union ___________ Rome ________ Apr. 9,1926. Federal Credit Union ____________________________________ Savannah____ Dec.17, 1925. Railway Clerk's Co-Operative Credit Union _______________ Savannah____ Dec. 27,1928. XXII DEPARTMENT OF BANKING SMALL LOAN COMPANIES UNDER THE SUPERVISiON OF THE DEPARTMENT OF BANKING. During the Year, 1928. NAME OF COMPANY LOCATION DATE LICENSE ISSUED Popular Finance Corporation ____________________________ Atlanta ______ Jan. 3,1928. Beneficial Loan Society of Atlanta ________________________ Atlanta ______ Jan. 3, 1928. AmE-rican Discount Corporation __________________________ Atlanta ______ Jan. 6, 1928. T. C. Adams _____________________________________________ Atlanta ______ Jan. 5, 1929. City Investment Company________________________________ Atlanta ______ Jan. 6, 1928. The Master Loan Service, Inc. ____________________________ Atlanta ______ Jan.3, 1928. Georgia Cash Credit Corp. _______________________________ Atlanta ______ June 7,1928. Seaboard Securities Co., Inc. _____________________________ Atlanta ______ Jan. 4, 1928. United Small Loan Corporation __________________________ Atlanta ______ Jan. 3, 1928. Southland Loan & Investment Co. _______________________ Atlanta ______ Jan. 3, 1928. Thompson Loan Society__________________________________ Atlanta ______ July 5, 1928. Stone Mountain Loan Co. ________________________________ Atlanta ______ Aug. 14, 1928. Southern Security Co. ___________________________________ Atlanta ______ Jan. 24, 1928. Fulton Industrial Corporation ___________________________ Atlanta ______ Jan. 6, 1928. Hartsfield Loan & Savings Co. ___________________________ Atlanta ______ Jan.3, 1928. Hartsfield Company ______________________________________ Atlanta ______ Apr. 2, 1928. Commonwealth Loan & Savings Co. ______________________ Atlanta ______ Jan. 3, 1928. Trustees Loan & Savings Co. _____________________________ Atlanta ______ Jan.3, 1928. American Security Co., Inc. ______________________________ Atlanta ______ Oct. 19, 1928. Security Industrial Corp. _________________________________ Atlanta ______ Jan. 3, 1928. Fidelity Investment Co. __________________________________ Atlanta ______ Jan. 3, 1928. Thomas & Company______________________________________ Atlanta ______ Jan.24, 1928. S. B. LaSalle _____________________________________________ Atlanta ______ Jan. 16, 1928. Railroad Loan Company__________________________________ Atlanta ______ Jan. 3, 1928. Fidelity Discount Company ______________________________ Atlanta ______ Jan. 24, 1928. Southern Investment Company __________________________ Atlanta ______ Jan. 4, 1928. Georgia Finance, Inc. ____________________________________ Atlanta ______ Jan. 3, 1928. Piedmont Security Company, Inc. _______________________ Atlanta ______ Mar.l, 1928. Southern Postal Finance Co. _____________________________ Atlanta ______ Nov. 3, 1928. C. G. Mathis _____________________________________________ Atlanta ______ Jan. 24,1928. Family Lol'n Society______________________________________ Augusta _____ Mar. 13, 1928. Personal Finance Co. of Augusta_______ ________________ Augusta _____ Jan. 3, 1928. Personal Finance Co. _____________________________________ Columbus ____ May 11, 1928. Dixie Finance Co., Inc. ___________________________________ Columbus ____ Jan. 3,1928. Automobile Credit Company _____________________________ Jonesboro ____ Oct. 1, 1928. Beneficial Loan Society of Macon_________________________ Macon________ Jan. 3,1928. The Citizens Loan Company _____________________________ Macon _______ Jan. 3, 1928. Bibb Mortgage & Loan Co. _______________________________ Macon _______ May 19, 1928. Harris Loan Company ____________________________________ Macon _______ June 18, 1928. Souther Loan Company __________________________________ Macon _______ June 20, 1928. Commercial Loan & Investment Co. ______________________ Macon _______ July 2, 1928. The Hartsfield CompanY-----------------------------~--- Macon _______ Sept. 1,1928. United Credit Corporation _______________________________ Macon_~------ Jan.24, 1928. Equitable Loan Company ________________________________ Macon _______ Apr. 4,1928. Georgia Cash Credit Corp. _______________________________ Macon ________ Dec. 1, 1928. Co-Operative Loan Company _____________________________ Marietta ______ Jan. 10, 1928. Popular Finance Corporation_____________________________ Savannah____ Jan. 3, 1928. Personal Finance Co. of Savannah _______________________ Savannah____ Jan. 3, 1928. The Citizens Security Co. ________________________________ Thomasville__ Sept.1, 1928. NINTH ANNUAL REPORT XXIII CONSOLIDATED REPORT OF CONDITION OF STATE BANKS IN GEORGIA AS OF DECEMBER 31, 1927, AND DECEMBER 31, 1928. 383 Banks and 353 Banks and 20 Branches as 18 Branches as of Dec. 31, 1927. of Dec. 31, 1928. RESOURCES: Loans and Di~counts _________________________ $ Certificates of Indebtedness and Stocks and Bonds _____________________________________ _ Banking House and Lot______________________ _ Furniture and Fixtures ______________________ _ Other Real Estate ____________________________ _ Cash and Due from Reserve Agents __________ _ Checks for Clearing and Due from Other Banks Cash Items ___________________________________ _ Overdrafts __________________________________ _ Advance on Cotton and Other Commodities __ _ Customers Liability on Letters of Credit and Acceptances ________________________________ _ Profit and Loss ______________________________ _ Other Resources _____________________________ _ 126,413,429.02$ 18,586,0ll.52 6,447,794.13 1,515,317.27 6,198,728.45 35,732,366.29 2,916,050.25 209,128.37 228,337.04 2,618,169.38 373,407.41 74,759.21 1,346,381.01 121,187,910.98 23,248,310.13 6,519,483.67 1,370,713.23 5, 907,966.43 32,831,657.00 3,094,865.19 226,021.41 298,814.ll 2,077,310.44 808,475.20 35,061.86 2,940,(178.75 ~otal______________________________________ $ 202,659,879.35$ 200,546,668.40 LIABILITIES: Capital Stock _________________________________ $ Surplus Fund _______________________________ _ Undivided Profits ____________________________ _ Reserve Funds ______________________________ _ Due to Banks ________________________________ _ Dividends Unpaid____________________________ _ Cashier's Checks _____________________________ _ Certified Checks _____________________________ _ Demand Deposits ____________________________ _ Time Certificates of Deposit __________________ _ Savings Deposits _____________________________ _ Letters of Credit and Accept!l.nces ____________ _ Bills Payable _________________________________ _ Rediscounts __________________________________ _ Other Liabilities _____________________________ _ ~otal ______________________________________ $ 23,432,295.00$ ll,017,877.35 6,529,877.92 1,233,940.88 9,392,851.17 278,230.72 1,086,667.58 189,238.92 72,203,196.37 29,761,459.38 37,893,999.26 271,805.07 5,275,770.83 1,442,940.51 2,649,728.39 202,659,879.35$ 22,469,340.00 10,524,015.37 7,002,047.90 1,283,475.78 10,233,286.19 284,864.24 971,047.07 123,917.21 66,836,136.ll 27,959,752.00 36,859,449.16 568,563.34 8,267,923.45 2,470,411.35 4,692,439.23 200. 546. 668.40 XXIV DEPARTMENT OF BANKING CONSOLIDATED STATEMENT SHOWING CONDITION OF 81 NATIONAL BANKS IN GEORGIA AS .OF DECEMBER 31, 1928. (Taken from Report of Comptroller of Currency.) RESOURCES: Loans and Discounts________________________________________________ $ Overdrafts _________________________________________________________ _ U. S. Government Securit~es Owned _______________________________ _ Other Bonds, Stocks, Securities, etc., Owned_______________________ _ Customers' Liability Account of Acceptances _______________________ _ Banking House, Furniture and Fixtures ___________________________ _ Other Real Estate Owned__________________________________________ _ Reserve with Federal Reserve Bank__________ -----------------------Cash in Vault ______________________________________________________ _ Amount Due from Banks and Trust Companies ____________________ _ Outside Checks and Other Cash Items _____________________________ Redemption Fund and Due from U. S. Treasurer_ __________________ _ Acceptance of Other Banks and Bills of Exchange or Drafts Sold with Endorsement___________________________________________________ Securities Borrowed________________________________________________ Other Assets _______________________________________________________ _ 164,007,000.00 356,000.00 28,399,000.00 16,157,000.00 228,000.00 7,104,000.00 2,948,000.00 11,627,000.00 5,899,000.00 45,690,000.00 1,981,000.00 385,000.00 8,000.00 208,000.00 214,000.00 Total Resources ________________________________________ - ----$ 285,211,000.00 LIABILITIES Capital Stock Paid in _______________________________________________ $ Surplus ____________________________________________________________ _ Undivided Profits-Net ____________________________________________ _ Reserves for Dividends, Contingencies, etc. ________________________ _ Reserves for Interest, Taxes and Other Expenses Accrued and Unpaid National Bank Notes Outstanding _________________________________ _ Due to Banks (including Certified and Cashiers' Checks, and Cash Letters of Credit and Travelers' Checks Outstanding) __________ _ Demand Deposits __________________________________________________ _ Time Deposits (including Postal Savings) ___________________________ _ United States Deposits ____________________________________________ Bills Payable and Rediscounts ___________________________________ --Acceptances of Other Banks and Bills of Exchange or Drafts Sold with Endorsement_____________________________________________ -Acceptances executed for Customers _______________________________ Securities Borrowed ______________________________________________ - _Other Liabilities____________________________________________________ _ Total Liabilities _____________________________________________ $ 18,255,000.00 13,039,000.00 5,225,000.00 360,000.00 571,000.00 7,635,000.00 38,502,000.00 107,681,000.00 86,102,000.00 4,906,000.00 2,444,000.00 8,000.00 228,000.00 208,000.00 47,000.00 285,211,000.00 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF ACWORTH Acworth, Ga. As called for by the Superintendent of Banks. A. J. DURHA"}I, J. E. CAR~ES, President. Cashier. Date of Charter: 10-31-1905 Began Business: 12-19-1905 RESOURCES: Loans and Discounts______________ $ CeBrotinfidcsataensdoSftoInckdsebotwednnedes__s__a__n_d Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned.. _______ _ Cash in Vault and amounts due from approved Reserve Agents-Choethckesr fboarnCklse_a_r_i_n__g__a_n__d__D__u__e_f_r_o__m_ COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitniesC__o__t_t_o_n____a_n__d___o__t_h_e_r Customers LiabilitY on Letters of Credit and Acceptances--------- Profit and LOSS--------------------Other Resources.------------------- TotaL _____________________________ .$ 154,075.67 596.86 1,600.71 3,674.51 none 66,262.52 1,125.27 none 229.96 none 6,815.50 none none 234,381.00 LIABILITIES: Capital Stock.______________________ $ Surplus Fund----------------------Undivided Profits-------------- ___ _ Reserve Funds---------------------DDiuveidtoenBdas nUknsp--a-i-d-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_--_ Cashiers Checks-------------------CDeermtiafinedd DCehpeocskist-s-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers_________ _ Bills PaYable_________ --------------Notes and Bills Rediscounted____ _ Other Liabilities___________ --------- 25,000.00 5,000.00 11,809.23 none none none 429.76 none 112,421.57 79,720.44 none none none none none TotaL _________ _ _________ $ 234,381.00 STATEMENT Showing condition at the close-of Business December 31, 1928, of the S. LEMON BANKING CO. Acworth, Ga. As called for by the Superintendent of Banks. ORLANDO AWTREY, LEMO~ ~f. AWTREY, President. Cashier. Date of Charter: 12-18-1906 Began Business: 1-1-1907 RESOURCES: LIABILITIES: ----Loans -----------------and Di~counts ______________ $ - -----142,092.91 - - - - -C-a-p-it-al-S-to-c-k-__-__-__-__ , ___________-__-_ $- - ------ 30,000.00 Certificates of Indebtedness and Surplus Fund __ --- ---------------- 7,500.00 Bonds and Stocks owned.______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ none 2,700.00 4,844.67 2,912.24 RUensdeirvviedFedunPdrosf_it_s______________-_-_-_-_-_-_-_-_-_--_ Due to Banks_______________ _ Dividends Unpaid_________________ _ 4,229.85 none none none Cash in Vault and amounts due from approved Reserve Agents._ Checks for Clearing and Due from 43,451.66 CCearsthiifeierds CChheecckkss_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_------Demand Deposits__________________ _ 3,942.53 none 100,293.92 CaosthheItreBmasn__k_s_-_-__-_-_-_-_-_-_-_-_----------------------Overdrafts (if any) ________________ _ !,287. 08 none 756.10 Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and Acceptances 79,011.48 2,396.70 Advance on Cotton and other executed for Customers. ________ _ none Commodities___ ----_----------_- __ none Bills Payable __ --------------------- none Customers LiabilitY on Letters of Credit and Acceptances.------- __ 14,320.23 Notes and Bills Rediscounted____ _ Other Liabilities___________________ _ none none Profit and Loss--------------------- none Other Resources-------------------- 15,009.55 TotaL. __ ---_-----------------------$ 227,374.48 TotaL _______________ -- 227' 3.74.48 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF ADAIRSVILLE Adairsville, Ga. As called for by the Superintendent of Banks. H. C. McCUTCHEX, 0. B. BISHOP, President. Cashier. Date of Charter: 3-21-1899 Began Business: 3-24-1899 RESOURCES: Loans and Discounts..............$ Certificates of Indebtedness and Bonds and Stocks owned....... . BFuarnnkiitnugreHaonudseFaixntdurLeos_t_._._._._._._._._._. ._ Other Real Estate owned_________ _ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from CaosthheIrteBmasn..k.s...-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_--_ Overdrafts (if any) ________________ _ . AdCvoamnmceodoitniesC__o_t_t_o__n___a__n_d____o_t_h__e_r Customers LiabilitY on Letters of Credit and Acceptances......... Profit and Loss--------------------Other Resources.------------------- TotaL. ____________ . ________________ $ 44,448.62 6,453. 75 6,500.00 3,240.00 6,916.00 71,707.51 none none 8.81 5,321.46 none none none 144,596.15 LIABILITIES: Capital Stock.....................$ Surplus Fund...................... . Undivided Profits................. Reserve Funds..................... Due to Banks----------------------Dividends Unpaid-----------------Cashiers Checks-------------------CDeermtiafinedd DCehpeocksist.s._._._._._._._._._._._._._.__._._._.._ Time Certificates of Deposit....... Savings Deposits------------------Letters of Credit and Acceptances B ielxl sePcuatyeadbfloer__C__u_s__t o__m__e_r_s_._.__. _._._._._._. ._ NOothteesr aLniadbBiliiltlisesR..e. d__i_s_c_o__u_n__t_e_d.......... ... 25,000.00 none 1, 790.20 none none none 857.30 none 107,311.48 9,637.17 none none none none none TotaL ... ___ ---------- .. ---- ........$ 144,596.15 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF ADRIAN Adrian, Ga. As called for by the Superintendent of Banks. M. T. RINER, LOUIS HATCHER, President. Cashier. Date of Charter: 11-20-1911 Began Business: 12-6-1911 RESOUHCES: Loans and Discounts _____ , ________ $ Certificates of Indebtedness and Bonds and Stocks owned....... . Banking House and Lot_________ __ Furniture and Fixtures ___________ _ Other Real Estate owned......... . Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from CaosthheIrteBmasn..k.s_-_-_-_-_-_-__-_-_-_-_-_-_------------------Overdrafts (if any) _______________ __ Advance on cotton and other Commodities--.-------------------Customers LiabilitY on Letters of Credit and Acceptances......... . POrtohfeirt aRnedsoLuorcses.s._._._._.__._._._._._._._._._._.__-_- ._._ TotaL ______________________________ $ 41,250.86 none 4,000.00 1,500.00 6,400.00 7,668.06 none none none 3,lll.35 none none 2,822.72 66,752.99 LIABILITIES: Capital Stock.......................$ Surplus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid-----------------Cashiers Checks-------------------Certified Checks-------------------Demand Deposits------------------Time Certificates of Deposit...... . Savings DepositS------------------Letters of Credit and Acceptances BielxlsePcuatyeadbfloer__C__u_s_t_o_m__e__r_s_._._._._._._._._. ._ Notes and Bills Rediscounted... .. Other Liabilities--- .. ---- ... -- .... .. 25,000.00 6,000.00 1,453.96 none none none 77.18 none 29,542.43 4,679.42 none none none none none TotaL .... _________________________ $ 66,752.99 DEPARTMENT OF BANKING 3 STATEMENT Showing condition at the close of Business December 31, 1928, of the MONTGOMERY COUNTY BANK Ailey, Ga. As called for by the Superintendent of Banks. W. J. PETERSON, (MISS) MARY SMITH, President. Cashier. Date of Charter: !t-!t4-!W Began Business: 3-l-19!t6 RESOURCES: Loans and Discounts--------------$ CeBrotinfidcsataensdoSf toIncdksebotwednneeds__s__a__n_d_ Banking House and Lot__________ _ FOuthrneirtRureealaEnsdtaFtiextouwrense-d-_-_-_-_-_-_-_-_-_-_Cash in Vault and amounts due from approved Reserve Agents-Checks for Clearing and DU:e from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advance on Cotton and other CuCCsorteomdmmiteoarsdniLdtiieAasbc-ic-l-ie-tpY-t-a-o-n-nc-e-Ls--_e-_t-_t_-e_-_-r_-s_-_-o-_f Profit and Loss--------------------Other ResourceS-------------------TotaL ______________________________ $ 25,665.33 40,000.00 none 550.00 none 34,287.94 none none none none none none none 100,503.27 LIABILITIES: Capital Stock-----------------------$ Surplus Fund----------------------Undivided ProfitS-----------------Reserve Funds---------------------DDiuveidt oenBdas nUknsp--a-i-d--_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks___________________ _ Certified CheckS-------------------Demand Deposits------------------Time Certificates of Deposit------Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------BNiolltessPaaYndabBlei_l_l_s__R-e-d--is--c-o-u-n--te--d-_--__-_--_ Other Liabilities------------------- 15,000.00 3,000.00 2,617.91 none none none none none 71,016.36 8,869.00 none none none none none TotaL ______________________________ $ 100,503.27 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF ALAPAHA Alapaha, Ga. As called for by the Superintendent of Banks. J. J. PAULK, J. P. CULPEPPER, President. Cashier. Date of Charter: 1905 Began Business: 1905 RESOURCES: Loans and Discounts ______________ $ CeBrotinfidcsataensdoSf toIncdkesbotwednneeds_s___a__n_d_ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ Cash in Vault and amounts due from avvroved Reserve Agents-_ Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtsS(-i-f-a--n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advance on Cotton and other CommoditieS---------------------CuCsrteodmiterasnLd iAabcicleiptytaonnceLs _e_t_t_e_r__s__o_f POrtohfeitr aRnedsoLuOrcSeSs_-_-_--_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 'TotaL _____ --_---_---------- _________ $ 100,961.84 3,557.09 4,065.00 1,961.85 12,600.00 29,094.63 none none none none none none 309.83 152,550.24 LIABILITIES: Capital Stock----------------------$ Surplus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid-----------------Cashiers Checks-------------------Certified CheckS-------------------TDiemmeaCnedrDtifeivcoatseistSo-f--D--e-p--o-s-i-t-_-_-__-_-_--_ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable______ ---_------------Notes and Bills Rediscounted.___ _ Other Liabilities--- -------------- 30,000.00 3,500.00 5,257.97 2,000.00 none none 2,819.85 none 35,546.34 73,426.08 none none none none none TotaL _______________________________$ 152,550.24 4 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the ALBANY TRUST & BANKING COMPANY Albany, Ga. As called for by the Superintendent of Banks. A. P. VASON, C. L. NEUMAX, President. Cashier. Date of Charter: 6-1905 Began Business: 6-1905 RESOURCES: Loans and Discounts--------------$ Certificates of Indebtedness and Bonds and Stocks owned..------Banking House and Lot----------Furniture and Fixtures-----------Other Real Estate owned.--------Cash in Vault and amounts due from avvroved Reserve Agents.. Checks for Clearing and Due from other banks.------------------- __ _ COavsehrdIrtaefmtss.(.i.f_a__n-y-)--_-_-____-_-_-_-_--_-_-_-_-_-_-___ Advance on Cotton and other Commodities........... ____ ------ Customers Liability on Letters of Credit and Accevtances..--------Profit and LOSS--------------------Other Resources.------------------- TotaL------------------------------$ 447,587.83 none none 3,071.03 1,000.00 9, 764.63 none none none none none none none 461.423.49 LIABILITIES: Cavital Stock.... ___________________$ Survlus Fund..--------------------Undivided Profits-----------------Reserve Funds---------------------DDiuveidt oenBdas nUkns -v-a-i-d- -_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_- -_ CCearsthifieierds CChheecckkss_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ TDSalemvmienaCgnsedrDDteiv feiovc~oaistteistss_o-_-_f-_D-_-_e-_-_v-_o_-s_-i_t-__-__-__-__-__-__-__ Letters of Credit and Accevtances executed for Customers....... BNOiotlhtlesesrPaLanYiadabbBilliieltl.is-e-sR-_-e_-_d-_-i_s-_c-_-o_-u_-_-n_-t_-e_-d_-__-__-__-__-_-_ 100,000.00 20,000.00 6,170.63 1.265.62 None 661.00 none none none 95,224.00 87,041.89 none 20.000.00 none 131,060.35 TotaL ______________________________ $ 461.423.49 STATEMENT Showing condition at the close of Business December 31, 1928, of the SOUTH GEORGIA TRUST COMPANY Albany, Ga. As called for by the Superintendent of Banks. DERMOT SHEMWELL, R. W. GEE, President. Sec. & Treas. Date of Charter: 3-19-1926 Began Business: 3-22-19'l6 RESOURCES: Loans and Discounts. _____________$ Certificates of Indebtedness and Bonds and Stocks owned....... Banking House and Lot----------FOuthrneirtRureealaEndstFatiextouwrense-d--.-_-__-_-_-_-_-_--_ Cash in Vault and amounts due from avvroved Reserve Agents.. Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_Advance on Cotton and other Commodities---------------------Customers LiabilitY on Letters of CreditandAccevtances---------Profit and LOSS--------------------Other Resources.------------------- TotaL------------------------------$ 256,235.10 none none 2,330.78 949.40 13,815.85 4,993.81 2.91 none none none none 51,532.49 329,860.34 LIABILITIES: Cavital Stock.... ___________________ $ Survlus Fund.--------------------Undivided Profits-----------------Reserve Funds---------------------DDiuveidtoenBdsanUknsv--a-i-d--_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--__Cashiers Checks.. _________________ _ Certified Checks.__________________ _ Demand Devosits__________________ _ TSaimviengCserDtiefvicoastietss _o_f__D__e_v__o_s_i_t_._. _._._._. ._ Letters of Credit and Accevtances executed for Customers---------Bills Payable.. --------------------Notes and Bills Rediscounted..... Other Liabilities____ --------------- 200,000.00 50,000.00 17.175.96 58,208.86 none 15.30 none none none 100.00 4,360.22 none none none none TotaL ______________________________ $ 329.860.34 DEPARTMENT OF BANKING 5 STATEMENT Showing condition at the close of Business December 31, 1928, of the MILTON COUNTY BANK Alpharetta, Ga. As called for by the Superintendent of Banks. T. H. MANNING, R. D. MANNING, President. Cashier. Date of Charter: 1!t-5-1910 Began Business: 1-26-1911 RESOURCES: Loans and Discounts--------------$ CeBrotinfidcsataensdoSftoInckdsebotwednende.s_s___a_n_d_ Banking House and Lot_________ __ Furniture and FixtUres__________ __ Other Real Estate owned.________ _ Cash in Vault and amounts due from avvroved Reserve Agents. Choethckesr fBoarnCklse_a_r_i_n__g_a. _n_d__D__u__e__f_r_o_m_ COavsehrdIrteamftss..(.i.f-a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamnmceodoitnies.C..o. _t_t_o_n___a__n_d____o_t_h_e__r CuCsrteodmiterasnLdiAabciclietvYtaonnceLs_e_t_t_e__r_s_o__f Profit and Loss____________________ _ Other Resources.. __ . ____ . ____ ------ TotaL.----------------------- ______ $ 90,232.53 none 8,000.00 1,000.00 none 55,090.14 none 118.23 none 34,716.18 none none none 189,157.08 LIABILITIES: SCuarvviltuals SFtuonckd......____-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_$ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------CDaivsihdieenrsdCs Uhencvkasi.<..L.-_-_-_-_-_-_-_-_-_-_-_-_-_-_--__Certified Checks.. __ . __________ . __ __ Demand Devosits-----------------Time Certificates of Devosit.... __ _ Savings Devosits.. ------------- .. -Letters of Credit and Accevtances BielxlsePcuatyeadblfeo.r.. _C_u__s_t_o_m__e__r_s_-_-_-_-_-_-_-_- -__Notes and Bills Rediscounted..... Other Liabilities.... ------. ________ _ 16,000.00 4,000.00 2,725.21 none none none 2,880.03 none 140,517:71 23,032.50 none none none none 1.63 TotaL _________ ------------- ______ ..$ 189,157.08 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF COMMERCE Americus, Ga. As called for by the Superintendent of Banks. FRAXK SHEFFIELD, CHARLES F. CRISP, President. Cashier. Date of Charter: 10-13-1891 Began Business: 1-1-1892 RESOURCES: Loans and Discounts ______________ $ 1,078,170.84 Certificates of Indebtedness and Bonds and Stocks owned._____ __ Banking House and Lot__________ _ Furniture and Fixtures.. ________ __ Other Real Estate owned... ______ _ 288,328.72 25,000.00 None 4,375.00 Cash in vault and amounts due from avvroved Reserve Agents.. 624,284.89 Checks for Clearing and Due from CaosthheIrteBmasn..k.s_._-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_--. Overdrafts (if any) _______________ __ 15,323.97 1,639.31 46.02 AdCvoan=coediotinesc__o_t_t_o__n___a__n_d____o_t_h_e__r 3,461.68 CuCsrteodmitearsndLAiacbcielivttyanocneLs_e_t_t_e__r_s__o_f none POrtobfeirt TotaL aRnedsoLuorcsess.._-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--____________ . __________________ .. none $-2-,04-0, 5n-8o0.n-43e LIABILITIES: Cavital Stock... __ ------ __________ ..$ 65,000.00 survlus Fund---------------------- 65,000.00 Undivided Profits------------------ 162,513.86 RDeuseertvoeBFaunnkdss.-.-.-_-_-_-__-_-_-_-_-_-_-_--.-_-__-_--. -__Dividends Unvaict.._______________ __ none none none Cashiers Checks-------------------- 626.20 CDeermtiafinedd DCehveocksist.s._-_-_--_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none 1,126,337.77 TSiamviengCserDtiefvicoastietss.o--f-D--e_v__o__s_i_L_-__-_--_-_ 491,323.96 129,778.64 Letters of Credit and Accevtances executed for Qustomers________ __ none Bills Payable___ ------- ______ ------- none Notes and Bills Rediscounted..... none Other Liabilities....------------------ none TotaL------------------------------$ 2, 040,580.43 1-- 6 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF ARLINGTON, Arlington, Ga. As called for by the Superintendent of Banks. W. E. BOSTWICK, W. E. BOSTWICK, JR. President. Cashier. Date of Charter: 1-1901 Began Business: 1901 RESOURCES: Loans and Discounts ______________$ CeBrotinfidcsataensdoSftoInckdsebotwendende..s_s__a__n_d_ Banking House and Lot----------FOuthrneirtRureealaEndstFatiextouwrense-d-.-.-. _-_-_-_-_-_-_--_ Cash in Vault and amounts due from apiJroved Reserve Agents-Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss _(_i_f__a-n-y- -) -_-_-_-_-_-__-_-_-_-_-_-_-_-_-_- -_ Advance on Cotton and other Commodities---------------------CuCsrteodmiterasnLdiAabccieli:tt>ytaonncesL_e__t_te__r_s__o_f POrtohfeirt aRnedsoLuOrcSesS.._-_-_-_-_-_-_-_-_-_--_-_-_-_-_-_-__--_ TotaL _______________________________ $ 185,435.93 none 2,000.00 2,215.00 24,040.69 31,640.65 none none 1,844.15 30,368.28 none none none 277,544.70 LIABILITIES: Ca:t>ital Stock ______________________ $ Surplus Fund..---------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid..----------------Cashiers Checks-------------------Certified Checks-------------------Demand De:t>osits------------------Time Certificates of De:t>osiL----Savings De:t>osits------------------LeetxteecrsutoefdCforerdCituastnodmAercsc.e.:t_>__ta_n__c_es_ Bills Payable_________ -------------Notes and Bills Rediscounted----Other Liabilities.------------------- 50,000.00 25,000.00 1.427.45 none none none 286.94 none 127,240.35 55,589.96 none none 18,000.00 none none TotaL _______________________________ $ 277,544.70 STATEMENT Showing condition at the close of Business December 31, 1928, of the ASHBURN BANK Ashburn, Ga. As called for by the Superintendent of Banks. C. E. THRASHER, W. G. SHINGLER, President. Cashier. Date of Charter: 7-1900 Began Business: 7-1900 RESOURCES: Loans and Discounts ______________ $ 158,384.80 Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnkds oLwnoetd_.__._~_-_-_-_-_-_-_ Furniture and Fixtures___________ _ none 3,755.36 4, 781.92 Other Real Estate owned_________ _ 13,236.50 Cash in Vault and amounts due from approved Reserve Agents.. 84,202.58 Checks for Clearing and Due from other Banks_--------------------- 3,820.96 COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 410.71 none AdCvoan=coediotniesC__o_t_t_o__n___a__n_d____o_t_h_~_r_ none Customers LiabilitY on Letters of Credit and Acce:t>tances_________ _ Profit and Loss____________________ _ none , none Other Resources--------------------- - -462-.50 TotaL______________________________ $ 269,055.33 LIABILITIES: Ca:t>ital Stock______________________ $ Surplus FuncL _____________________ _ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Un:t>aid-----------------Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifei:ct>atoessitos-f--D--e-p--o-s--it-_-_-_-_-_-_--_ Savings Deposits------------------LBeieltxltseecPrsuatoyefadbCfloreer_d_C_it_u_as_tn_o_dm__A_e_rc_sc__e___p___t__a__n__c____es__ Notes and Bills Rediscounted____ _ Other Liabilities-------------------- 50,000.00 25,000.00 11,704.75 3,881.59 none none 895.29 none 121.715.51 49,493.00 6,365.19 none none none none TotaL _____________________________ $ 269,055.33 DEPARTMENT OF BANKING 7 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE CITIZENS BANK OF ASHBURN Ashburn, Ga. As called for by the Superintendent of Banks. D. H. DAVIS, K. P. BAKER, President. Cashier. Date of Charter: 7-27-1905 Began Business: 10-25-1905 RESOURCES: Loans and Discounts-------------$ Certificates of Indebtedness and Bonds and Stocks owned.______ _ Banking House and Lot__________ _ FUrniture and FixtUres___________ _ Other Real Estate owned.________ _ Cash in Vault and amounts due from approved Reserve Agents-Checks for Clearing and Due from other bankS----------------------OCvasehrdIrtaefmtss(-i-f-a--n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_AdCvoamncmeodointiesC__o_t_t_o__n___a__n_d____o_t_h__e_r CuCsrteodmitearsnLdiAabcicleitpYtanocnesL..e_t_t_e_r_s__o_ f_ Profit and Loss..___________________ _ Other Resources-------------------TotaL ______________________________ $ 117,349.42 31,440.63 5,000.00 none 2,140.65 59,532.38 335.39 259.19 none 9,237.90 none none none 225,295.56 LIABILITIES: Capital Stock____ -------- ___________ $ Surplus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------DDiuveidtoenBdsanUknSp--a-i-d-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks--------'----------Certified Checks-------------------Demand Deposits.-----------------Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and Acceptances BielxlsePcuatyeadbfloer__C__u_s_t_o_m__e_r_s_________________ __ NOothteesr aLniadbBiliiltlisesR__e_d__is__c_o_u__n_t_e_d__._-_-_--_ 25,000.00 30,000.00 21,737,70 none 3,641.66 30.00 983.04 592.00 103,245.9!> 33,913.86 6,151.35 none none none none TotaL------------------------------$ 225,295.56 STATEMENT Showing condition at the close of Business December 31, 1928, of the ATLANTA COMMERCIAL BANK Atlanta, Ga. As called for by the Superintendent of Banks. W. B. CHANDLER, Wm. ARTHUR COOK, President. Cashier. Date of Charter: 5-12-1916 Began Business: 5-15-1916 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned.______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ Cash in vault and amounts due from approved Reserve Agents-Checks for Clearing and Due from CaosthheIrteBmasn...k_s_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_--_ Overdrafts (if any) ________________ _ Advance on Cotton and other Commodities---------------------Customers Liability on Letters of Credit and Acceptances.--------POrtohfei!t aRnedsoLuOrcSeSs_.._-_-_-_-_-_-_-_-_-_--_-_-_-_-_-_-_-_--_ TotaL _______________________________ $ 519,928.86 none 37,106.78 14,324.14 10,830.!)9 107,497.28 20,485.85 53.00 773.10 none none none none 711,049.60 LIABILITIES: Capital Stock_______________________ $ Surplus Fund---------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks.---------------------Dividends Unpaid.----------------CCearsthiifeiersd CChheecckkss_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ TDiemmeaCnedrDtifeipcaotseistso--f--D--e-p-o--s-i-t_-_-_-_-_-_-_Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable.. ---------. __________ _ Notes and Bills Rediscounted.___ _ Other Liabilities...... _____________ _ 100,000.00 40,000.00 717.67 none 646.84 2,054.00 4, 762.79 309.45 268,586.03 none 243,972.82 none 50,000.00 none none TotaL-----------------------------$ 711,049.60 8 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the AMERICAN SAVINGS BANK Atlanta, Ga. As called for by the Superintendent of Banks. J. G. St. AMAND, PETER F. CLARKE, President. Cashier. Date of Charter: 1886 Began Business: 1887 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot __________ _ Furniture and Fixtures. __________ _ Other Real Egtate owned_________ _ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_--_ Overdrafts (if any) ________________ _ Advance on Cotton and other Co=odities.--------------------CuCsrteodmitearsnLdiAabciclietpYtaonnceLs_e_t_t_e_r_s___of_ Profit and LOSS--------------------Other Resources-------------------- TotaL ______________________________ $ 769,008.50 none 133,119.20 2,275.22 32,505.53 38,774.38 3,448.76 373.90 161.63 none none none 1,292.51 980,959.63 LIABILITIES: Capital Stock..... __ --------- ________$ Surplus Fund---------------------RUensdeirvviedFedunPdrosf_i_t_s_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_--__Due to Banks______________________ _ Dividends Unpaid_________________ _ Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnderDtifeipcoasteitss-o-f--D--e-p--o-s-i-t-_-_-_-_-_-_-_ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers________ __ Bills Payable_____ -------------- ____ _ Notes and Bills Rediscounted____ _ Other Liabilities.... ______________ __ 200,000.00 80,000.00 38,599.32 5 386.43 none none none none none 92,689.07 265,112.76 none 150,000.00 none 149,172.05 TotaL ___ ------ ____________________ .$ 980,959.63 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE ATLANTA TRUST COMPANY Atlanta, Ga. As called for by the Superintendent of Banks. A. J. ORME, P. H. "-I~TER, President. Treasurer. Date of Charter: 8--1 G--191 0 Began Business: 9--1910 RESOURCES: Loans and Discounts--------------$ 4,255,675.06 Certificates of Indebtedness and Bonds and Stocks owned______ __ 898,106.51 BF ua rnnkiitnugr eHaonuds eFai xntdu rLeos _t -_-__-_-_-_-_-_-_-_- -_ 678,000.00 52,773.04 Other Real Estate owned_________ _ 510,405.19 Cash in Vault and amounts due from approved Reserve Agents.. 575,651.78 Checks for Clearing and Due from other Banks---------------------- 709,782.56 COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 58,096.22 3,071.99 AdCvoan=coediotniesc__o_t_t_o_n____a_n__d____o_t_h__er_ none CuCsrteodmiterasnLdiAabcicleitpytaonnceLs_e_t_t_e_r_s___o_f Profit and Loss___________________ __ Other Resources.. _________________ _ 2.112.09 none 228,210.34 TotaL ______________________________ $ 7, 971,884.78 LIABILITIES: Capital Stock----------------------$ 1,500,000.00 Surplus F ,mlUS Fund----------------------Undivided Profits-----------------RDeuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid-----------------Cashiers Checks-------------------Certified Checks-------------------Demand Deposits------------------Time Certificates of Deposit------Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C___u-s_t-o-m__e__r_s-------------__----Notes and Bills Rediscounted____ _ Other Liabilities_______ ------------- 15,000.00 15,000.00 5,690.57 none none none 547.10 none 72,502.32 66.701.20 none none none none none TotaL ______________________________ $ 175 441.19 STATEMENT Showing condition at the close of Business December 31, 1928, of the CITIZENS BANK Ball Ground, Ga. As called for by the Superintendent of Banks. M. G. HENDRIX, B. R. JO~ES, President. Cashier. Date of Charter: 9-28-1926 Began Business: 10-1-1926 RESOURCES: Loans and Discounts--------------$ Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ OFuthrneritRureealaEnsdtaFtiexotuwrnese-d-_-_-_-_-_-_-_-_-_-_Cash in Vault and amounts due from approved Reserve Agents-Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitnies_c_o_t_t_o__n___a__n_d____o__t_h_e_r Customers LiabilitY on Letters of Credit and Acceptances---------Profit and LOSS--------------------Other Resources-------------------TotaL ______________________________ $ 56,635.89 25,000.00 1,200.00 1,500.00 none 26,003.37 3,739.07 331.11 14.78 none none none none 114,424.22 LIABILITIES: Capital Stock_______________________ $ Surplus Fund______________________ _ Undivided Profits ... ______________ _ Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid..----------------Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifeipcoatseitsso--f--D--e-p-o--s-i-t-_-_-__-_-_--_ Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u_s__to__m__e_r_s__-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted____ _ Other Liabilities____ -______ ---- ____ _ 15,000.00 3,000.00 972.99 none none none 1.508.44 none 62,539.41 31.403.38 none none none none none TotaL--------------------------- __ $ 114.424.22 --~--- 18 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF BARWICK Barwick, Ga. As called for by the Superintendent of Banks. D. S. CHAPMAN, LAWSON HARDY, President. Cashier. Date of Charter: 1-~4-1906 Began Business: 2-7-1906 RESOURCES: Loans and Discounts--------------$ Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ FOuthrneirtRureealaEndstaFtiextouwrense-d--_-__-_-_-_-_-_-_--_ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_--_ Overdrafts (if any) ________________ _ AdCvoamncmeodoitniesC__o__tt_o__n___a__n_d____o__th__e_r CPruCosrfteiotdmaitenradsnLLdoiAasbsc_icl_ie_t_pY_t_a_on_cn__e_Ls__e___t__t__e___r__s____o__f Other Resources___________________ _ TotaL _______________________________ $ 53,625.18 1,000.00 1.636.83 2. 850.15 7. 719.09 5,607.70 none 46.92 none none none none none 72,485.87 LIABILITIES: Capital Stock-----------------------$ Surplus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid-----------------CCaesrthiifeiersd CChheecckkss.-.-.-_-_-.-_--._--.-----.---_-.---.---. TDiemmeaCnderDtifeipcoasteitss-o-f--D--e-p-o--s-i-t-_-_-_-__-_--_ Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_-_-_ NOothteesr aLniadbBiliiltlisesR__e_d_i_s_c__o_u__n_t_e_d__._._._.._ 15,000.09 none 183.31 none none none 263.76 none 27,938.49 17,600.31 none none 11,500.00 none none TotaL ______________________________ $ 72,485.87 STATEMENT Showing condition at the close of Business December 31, 1928, of the BAXLEY STATE BANK Baxley, Ga. As called for by the Superintendent of Banks. J. W. TIPPINS, C. A. WHITAKER, President. Cashier. Date of Charter: 8-23-1917 Began Business: 8-25-1917 RESOURCES: Loans and Discounts ______________ $ CeBrotinfidcsataensdoSftoIcnkdsebotwednnede_s_s__a__n_d_ Banking House and Lot__________ _ Furniture and Fixtures ___________ _ Other Real Estate owned_________ _ Cash in vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_--_ Overdrafts (if any) ________________ _ AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__er_ Customers LiabilitY on Letters of Credit and Acceptances.. _______ . Profit and LOSS--------------------Other Resources-------------------- TotaL ______________________________ $ 131.621.15 none none 7,950.00 3,229.08 67,072.67 none none none none none none none 209,872.90 LIAFILir!ES: CSuarppitlauls SFtuonckd._-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_--_$ Undivided Profits-----------------Reserve Funds---------------------Due to Banks.---------------------Dividends UnpaitaonnceLs_e_t_t_e_r_s__o_ f_ Profit and LOSS--------------------Other Resources.------------------- TotaL--------------- _______________ $ 70,885.02 45.00 2,312.85 4,573.68 19,479.40 23,425.87 none none 951.33 6,152.48 none none 64.55 127,890.18 LIABILITIES: Cai>ital Stock.______________________ $ SUri>lus FuncL---------------------Undivided Profits-----------------RDeuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_--_ Dividends UnPaid-----------------Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifeiic>aotesistso-f--D--e-i->-o-s-i-t-_-_-_-_-_-_--_ Savings Dei>OSitS------------------Letters of Credit and Accei>tances BielxlsecPuatyeadbfloer__C__u_s_t_o_m___e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted.___ _ Other Liabilities.------------------- 28,800.00 11.000.00 1.796.03 none none 32.00 893.02 none 60,495.87 24,873.26 none none none none none TotaL ______________________________$ 127,890.18 STATEMENT Showing condition at the close of Business December 31, 1928, of the FARMERS & MERCHANTS BANK Brewton, Ga. As called for by the Superintendent of Banks. JAMES L. KEEN, L. P. KEE~. President. Cashier. Date of Charter: 5-26-1910 Began Business: 7-6-1910 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnksd oLwont_e_d__-_-_-_-_-_-_--_ Furniture and Fixtures___________ _ Other Real Estate ownecL________ _ Cash in VaUlt and amounts due from aiJproved Reserve Agents-Checks for Clearing and Due from other Banks---------------------Cash Items-------------------------Overdrafts (if anYl------------1.---Advance on Cotton and other CuCsotommmeorsdiLtiieasb-i-l-i-tY---o--n--L--e-t-t-e-r-s--o--f Credit and Accei>tances ___ ----- __ Profit and LOSS--------------------Other Resources-------------------- TotaL ______________________________ $ 62,112.75 1,232.15 1,806.25 2,129.17 8,700.39 100,076.60 none 324.90 1,655.18 1,961.98 none none none 179,999.37 LIABILITIES: Cai>ital Stock.______________________ $ SUri>lus Fund.. -------------------Undivided ProfitS-----------------RDeuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Uni>aicL________________ _ Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnderDtifeiic>aotesistso-f--D--e--p-o--s-i-t_-_-_-_-_-_--_ Savings Deposits------------------Letters of Credit and Accei>tances executed for Customers---------BNioltlessPaanydabBleil.l-s--R--e-d-i-s-c-o--u-n-t-e--d-_-_-__--_ Other Liabilities-------------------- 15.000.00 5,000.00 3,948.86 none none none 1,319.14 none 131,686.56 23,044.81 none none none none none TotaL ______________________________ $ 179,999.37 l DEPARTMENT OF BANKING !.i!3 STATEMENT Showing condition at the close of Business December 3I, 1928, of the CITIZENS BANK Brinson, Ga. As called for by the Superintendent of Banks. J. H. BRI~SON, J. B. MILLS, President. Cashier. Date of Charter: l!.i!-1910 Began Business: 12-1910 RESOURCES: Loans and Discounts.-------------$ 34,567.88 CeBrotinfidcsaatensdoSftoInckdsebotwendende.s._s__a__n_d_ none Banking House and Lot----------- 1,800.00 FOuthrneirtRureealaEndstaFtiextouwrense-d--_-_-__-_-_-_-_-_--_ 1,998.70 none Cash in vault and amounts due from approved Reserve Agents.. 9,997.20 Checks for Clearing and Due from other Banks---------------------- none COavsehrdIrtaefmtss.(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none 299.19 AdCvoamnmceodoitniesC__o_t_t_o__n___a__n_d____o_t_h__e_r none CuCsrteodmiterasnLdiAabcicleitpytaonnceLs_e_t_t_e_r_s__o_ f_ none - - - - POrtohfeirt aRnedsoLuOrcSeSs_-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-_--_ TotaL _______________________________ $ none none 48,662.97 LIABILITIES: Capital Stock.... -------------------$ surolus Funlus Fund...................... . Undivided Profits.................. Reserve Funds..................... . Due to Banks...................... . Dividends Unpaid................ .. Cashiers Checks .................. . Certified Checks................... . Demand Deposits.................. . Time Certificates of Deposit..... .. Savings Deposits................... Letters of Credit and Acceptances executed for Customers.......... Bills PaYable...................... .. Notes and Bills Rediscounted.... . Other Liabilities.................. .. 30,000.00 40,000.00 4,573.14 667.73 none 174.50 241.14 285.62 104,154.43 96,722.64 none none none none none TotaL ......... __ . __ .. __ .. __ .. __ ....$ 276,819.20 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF BUFORD Buford, Ga. As called for by the Superintendent of Banks. L. P. P,\TTILLO, CARL PERRY, }'resident. Cashier. Date of Charter: 189~ Began Business: 1893 RESOUHCES: Loans and Discounts ..............$ 235,868.69 Certificates of Indebtedness and Bonds and Stocks owned........ 62,255.75 Banking House and LoJt _________ __ 36,127.34 Furniture and Fixtures ......... .. 11,560.99 Other Real Estate owned.......... 39,341.22 Cash in Vault and amounts due from approved Reserve Agents.. 82,384.63 Checks for Clea:ring and Due from other Banks...................... 99.30 Cash Items.......... ________ ....... . 718.52 Overdrafts (if any) ________________ _ 1,757.32 Advance on Cotton and other Commodities...................... 30,266.84 Customers LiabiliW on Letters of Credit and Acceptances........ .. none Profit and Loss.............. ------- none Other Resources.................. ..- - -no-ne TotaL .............................. $ 500,380.60 LIABILITIES: Capital Stock.......................$ Surplus Fund...................... . Undivided Profits.................. Reserve Funds.................... .. Due to Banks..................... .. Dividends Unpaid................ .. Cashiers Checks.................... Certified Checks.................. .. Demand Deposits.... __________ ... .. Time Certificates of Deposit....... Savings Deposits................... Letters of Credit and Acceptances executed for Customers.......... Bills PaYable...................... Notes and Bills Rediscounted.... . Other Liabilities.................... 25,000.00 10,000.00 2,082.49 30,000.00 none none 706.48 none 222,070.39 97,652.23 112,869.01 none none none none TotaL ........ -------.---- .... --- ...$ 500,380.60 26 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the SHADBURN BANKING CO. Buford, Ga. As called for by the Superintendent of Banks. MRS. KATE ALLEN SHADBURN, E. A. WILBANKS, President. Cashier. Date of Charter: 1-23-1901 Began Business: 2-11-1901 RESOURCES: Loans and Discounts..............$ 196,878.56 Certificates of Indebtedness and Bonds and Stocks owneytaonnceLs_e_t_t_e_r_s___o_f none POrtohfeirt aRnedsoLuOrcSesS_-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-_--_ none none T otaL _______________________________ -$ --- 95,253.41 LIABILITIES: Capital Stock_______________________ $ Surplus Fund----------------------Undivided ProfitS-----------------Reserve Funds---------------------DDuiveidtoenBdasnUknsi->-a--id--_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_--_ CCearsthiifeiersd CChheecckkss-__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Demand Deposits__________________ _ Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u_s_t_o__m__e_r_s__-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted____ _ Other Liabilities_______ ------------- 2 5,000.00 1,250.00 5,008.39 none none none 1,312.48 none 53 . 870.92 6,960.54 none none none none 1.851.08 TotaL _______________________________ $ 95,253.41 l ! 30 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the ETOWAH BANK Canton, Ga. As called for by the Superintendent of Banks. OLIN FINCHER, N. A. THOMASON, President. Cashier. Date of Charter: 1-22-1927 Began Business: 1-29-1927 RESOURCES: Loans and Discounts ______________$ Certificates of Indebtedness and Bonds and Stocks owned........ Banking House and Lot.......... Furniture and Fixtures............ Other Real Estate owned......... . Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from CaosthheIrteBmasn.k..s...-.-.-.-.-.-.-.-_-_-_-_-_-_-_-_-__-_-_-_--_ Overdrafts (if any) ________________ _ AdCvoamnmceodoitniesC..o..t.t.o.n. __a__n_d____o_t_h__er_ Customer~ Liability on Letters of Credit and Acceptances......... . Profit and Loss--------------------Other Resources.------------------- TotaL . . . ----------~--------. ___ . . __ .$ 89,031.62 77,702.96 6,000.00 2,235.00 none 233,143.33 3,219.58 115.64 none none none none 150.00 411,598.13 LIABILITIES: Capital Stock.______________________$ Surplus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid.................. Cashiers Checks.................... Certified Checks................... . Demand Deposits------------------Time Certificates of Deposit...... . Savings Deposits------------------Letters of Credit and Acceptances executed for Customers......... Bills PaY~ble...... -------- .. ---- .. -Notes and Bills Rediscounted..... Other Liabilities............. ------. 25,000.00 3,000.00 1,040.75 380.00 none 2,000.00 409.20 none 294,873.19 56,595.38 28,299.61 none none none none TotaL ..............................$ 411,598.13 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF CANTON Canton, Ga. As called for by the Superintendent of Banks. R. T. JONES, W. S. ELLIOTT, President. Cashier. Date of Charter: 11-1892 Began Business: 12-21-1892 RESOURCES: Loans and Discounts .............$ 738,692.55 Certificates of Indebtedness and Bonds and Stocks owned....... . 294,694.08 Banking House and Lot......... .. 28,573.00 Furniture and Fixtures.......... .. 6,371.00 Other Real Estate owned........ .. 2,302.99 Cash in Vault and amounts due from approved Reserve Agents.. 516,657.02 Checks for Clearing and Due from other Banks.................... .. 1,438.80 Cash Items......................... . 181.02 Overdrafts (if any)............... .. 1,983.06 Advance on Cotton and other Commodities..................... . none Customers LiabilitY on Letters of Credit and Acceptances......... . none Profit and Loss................... .. none Other Resources................... .- - -40-.00 TotaL.-------------------- .........$ 1,590,933.52 LIABILITIES: Capital Stock.... ------------- ......$ Surplus Fund..................... .. Undivided Profits.................. Reserve Funds...................... Due to Banks....................... Dividends Unpaid................ .. Cashiers Checks.................... Certified Checks.......... ---------Demand Deposits................. .. Time Certificates of Deposit....... Savings Deposits................... Letters of Credit and acceptances executed for Customers.......... Bills Payable....................... . Notes and Bills Rediscounted..... Other Liabilities.................... 100,000.00 100,000.00 54,937.06 none 9,618.16 none 2,629.67 none 734,609.64 472,017.00 117' 121.99 none none none none TotaL ............ ____ .. _...........$ 1,590,933.52 l DEPARTMENT O-F-B-A-N--K-IN--G-----------------81-- STATEMENT Showing condition at the close of Business December 31, 1928, of the THE PEOPLES BANK Carrollton, Ga. As called for by the Superintendcn l of Banks. G. W. FLEMING, G. C. COOK, President. Cashier. Date of Charter: 11-1909 Began Business: 12-1-1909 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and BBanoknidnsgaHnoduSsteoacnksd oLwont_e_d_._._-_-_-_-_-_--_ FOuthrneirtRureealaEndstaFtiextouwrense-d--..--__-_-_-_-_-_--_ Cash in Vault and amounts due from approved Reserve Agents.. Choetchkesr fboarnCklse_a_r_i_n__g__a_n__d__D__u_e__f_r_o__m_ Cash Items_________________________ _ Overdrafts (if any) ________________ _ AdCvoan=coediotniesC__o_t_t_o__n___a__n_d____o_t_h__e_r CPruCosrfteoitdmaitenardsnLLdoiAasbsc_icl_ei_tp_Y_t_w_o_wn__e_Ls__e___t_t__e___r__s____o_ _f_ Other Resources..------------------ TotaL.----------------------------- 254,625.45 303,750.83 none 4,800.00 10.824.95 232,947.33 14,158.83 1,104.23 none none none none 4,407.07 826,618.69 LIABILITIES: Capital Stock_______________________ $ Surplus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks.---------------------Dividends Unpaid-----------------Cashiers Checks ------------------ Certified Checks-------------------TDiemmeaCnderDtifeipcoasteitss-o-f--D--e-p--o-s-i-t-_-_-_-_-__--_ Savings Deposits------------------LeetxteecrsuotefdCfroerdCituasntdomAecrcse_p_t_a__n_c_e__s _ Bills Payable_______________________ _ NOothteesr aLniadbBiliiltlisesR__e_d_i_s_c__o_u__n_t_e_d-.-.-.-.-.-. 60,000.00 12,000.00 5,714.27 none none 2,400.00 1,104.59 none 551,326.42 25,274.52 168,798.89 none none none none TotaL ______________________________ $ 826,618.69 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF CAVE SPRING Cave Spring, Ga. As ealled for by the Superintendent of Banks. A.~- TUMLIN, L. T. ROUNTREE, President. Cashier. Date of Charter: 10-25-1905 Began Business: 12-4-1905 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ FOuthrneirtRureealaEndstFatiextouwrensed--_-_-_-_-_-__-_-_--_ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss.(-if--a-n--y-)--_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advamce on Cotton and other Commodities... ------------------Customers LiabilitY on Letters of Credit and Acceptances.-------Profit and Loss--------------------Other Resource.s------------------- TotaL ______________________________ $ 76,221.03 none 1.770.00 2,880.00 7,776.86 48,371.48 none none none none none 4,192.77 none 141,212.14 LIABILITIES: Capital Stock.______________________ $ Surplus Fund.._______ --------------Undivided Profits-----------------Reserve Funds_____ ----------------Due to BankS----------------------Dividends Unpaid-----------------CCearsthifieierds CChheecckkss._._-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_ TDiemmeaCnedrDtifeipcoatseitsso--f--D--e-p-o--s-i-t-_-_-__-_-_--_ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable._--------------------Notes and Bills Rediscounted.... Other Liabilities.------------------ 25,000.00 25,000.00 none none 246.32 none 834.25 none 68,134.32 21,997.25 none none none none none TotaL .... _______ . _______________ ... $ 141.212.14 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the THE COMMERCIAL BANK OF CEDARTOWN Cedartown, Ga. As called for by the Superintendent of Banks. R. 0. PITTS, E. L. HENDERSON, President. Cashier. Date of Charter: 10-16-1889 Began Business: 12-11-1889 RESOURCEs: Loans and Discounts.............. $ 1,049,203.66 Certificates of Indebtedness and Bonds and Stocks owned......... 805.00 Banking House and Lot........... 24,700.40 FUrniture and Fixtures____________ none Other Real Estate owned.... ______ 25,526.71 Cash in Vault and amounts due from approved Reserve Agents.. 309,968.77 Checks for Clearing and Due from CaosthheIrteBmasn.k..s.-.-_-_-_-__-_-_-_--.-.-.-.-.-..--__-_--..--. Overdrafts (if any) ________________ _ 21,556.51 5,457.24 9,682.94 Advance on Cotton and other Commodities........ _........ __ .. . none Customers LiabilitY on Letters of Credit and Acceptances.......... none Profit and Loss.. ------------------- none Other Resources..... ______ ._. _____ . _ _ _n_o_n_e TotaL _____________________________ $ 1,446,901.23 LIABILITIES: Capital Stock.... ______ -------- ____ .$ SUunrdpilvui ds eFduPnrdo-f-i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_- -_ Reserve FundR---------------------DDiuveidtoenBdsanUkns-p-a-i-d--_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ CCearsthiifeiersd CChheecckkss-..-.-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Demand Deposits__________________ _ Time Certificates of Deposit...... _ Savings Deposits.. ____ ------ __ ----Letters of Credit and Acceptances executed for Customers.. ______ __ Bills Payable... ----- __________ -----NOothteesr aLniadbBiliiltlisesR__e_d__i_s_c_o__u_nted..... 140,000.00 200,000.00 105,572.55 none 1,645.76 11,200.00 3,753.95 none 769,619.29 none 215,109.68 none none none none TotaL ..... _________________________ $ 1,446, 901.23 STATEMENT Showing condition at the close of Business December 31, 1928, of the FARMERS & MERCHANTS BANK Charing, Ga. As called for by the Superintendent of Banks. S. GARRETT, H. G. PYE, President. Cashier. Date of Charter: 9-21-1912 Began Business: 11-6-1912 RESOURCES: Loans and Discounts..............$ Certificates of Indebtedness and Bonds and Stocks owned........ . Banking House and Lot----------FOUthrenritRureealaEndstaFtiextouwrense-d-_-.--__-_-_-_-_-_--_ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks.... ------------------ Cash Items..... ____ ----------------Overdrafts (if any) .. ___ ...... ___ .. . Advance on cotton and other Co=odities.. ------------------Customers LiabilitY on Letters of Credit and Acceptances_________ _ Profit and LOSS--------------------Other Resources-------------------- TotaL. _____________________________ .$ 39,277.89 11,427.01 1,200.00 2,000.00 none 24,427.34 none none none 11,094.03 none 337.31 484.35 90,247.93 LIABILITIES: Capital Stock...... ___________ ...... $ SUunrdpilvuids eFduPnrdo.f.i-t-s-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Reserve Funds---------------------DD ui vei dt oe nBdas nUkns -p-a-i-d- -_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_- -_ Cashiers Checks.. _________________ _ Certified Checks.. _. ___ ._ .. _. ______ _ Demand Deposits__________________ _ Time Certificates of Deposit______ _ Savings Deposits. _________________ _ L eetxt eecr su toefdCf or er dCi tuas tnodmAe rcsc_e_p__t_a_n_c__e s_ Bills Payable....................... Notes and Bills Rediscounted..... Other Liabilities....... ________ ----. 15,000.00 8,000.00 2,222.95 none none none 179.30 none 32,328.87 32.516.81 none none none none none TotaL _______________________________$ 90.247.93 DEPARTMENT OF BANKING 38 STATEMENT Showing condition at the close of Business December 31, 1928, of the COHUTTA BANKING CO. Chatsworth, Ga. As called for by the Superintendent of Banks. C. N. KING, T. W. BROOKS, President. Cashier. Date of Charter: 7-17-1905 Began Business: l-!l4-1906 RESOURCES: Loans and Discounts ______________ $ 118,856.90 CeBrotinfidcsataensdoSftoIncdksebotwednneeds__s__a__n_d_ 2,000.00 Banking House and Lot----------- 1,915.31 FOuthrneirtuRreeaal EndstaFtiextouwrneesc-:-L-_-_-_-_-_-_-_-_--_ 3,614. 76 11,439.56 Cash in Vault and amounts due from avproved Reserve Agents-- 50,234.90 Checks for Clearing and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_ Overdrafts (if any) ________________ _ Advance on Cotton and other none 187.40 2,283.73 Commodities--------------------Customers LiabilitY on Letters of Credit and Accevtances__________ 6,157.50 none POrtohfeitr aRnesdouLrcoess_s_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_--__-_ 535.33 1,368.27 TotaL ______________________________-$ -198-,593-.66 LIABILITIES: Capital Stock______________________ $ Surplus Fund _____________________ _ Undivided Profits-----------------RDe1seertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_ Dividends Unpairoved Reserve Agents-- 250,709.96 Checks for Clearing and Due from other Banks---------------------- 74,712.41 COavsehrdIrtaefmtss.(.i-f-a--n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 1, 792.04 343.25 Advance on Cotton and other Commodities_____ ----------------- Customers Liability on Letters of Credit and Acce:Dtances__________ 247,176.93 none POrtohfeitr aRnesdouLrcoess_s_-_-_-_--_-_-_-_-_-_-_-_-_--_-_-_-_-_-_- nnoonnee TotaL------------------------------S 2, 701,564.14 LIABILITIES: Csua:rDoiltuals SFtuocnkd_.___________________-_-_--_-_-_-________-_- -_S 200,000.00 200,000.00 Undivided Profits------------------ 95,903.43 Reserve Funds---------------------- none Due to Banks----------------------- 33,526.72 Dividends Un:Daid..----------------- 16,000.00 Cashiers Checks-------------------- 4,849.58 Certified CheckS-------------------- 32.42 Demand De:DositS.------------------ 1,129,054.93 Time Certificates of De:DosiL----- 90,692.43 Savings De:Dosits------------------- 931,504.63 LeetxteecrsutoefdCforerdCituastnodmAercsc_e_:_D_t_a_n__c_es_ none BNioltlessPaanydabBleil_l_s-R--e-d--i-s-c-o-u--n-t-e-d----_-__--_ none none Other Liabilities------------------- none TotaL------------------------------S 2,701,564.14 DEPARTMENT OF BANKING 41 STATEMENT Showing condition at the close of Business D;ecember 31, 1928, of the MUSCOGEE BANK AND TRUST COMPANY Columbus, Ga. As called for by the Superintendent of Banks. RHODES BROWNE, JOHN W. WILLIS, President. Cashier Date of Charter: 12-1913 Began Business: 1-1914 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnkds oLwont_e_d__-_-_-_-_-_-_--_ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ Cash in Vault and amounts due from approved Reserve Agents__ Checks for Clearing and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_--_ Overdrafts (if any) ________________ _ AdCvoamncmeodoitniesC__o__tt_o__n___a__n_d____o_t_h__er_ CuCsrteodmiterasnLdiAabciclietpYtaonnceLs_e_t_t_e_r_s___of_ Profit and LOSS--------------------Other Resources-------------------- 798,598.11 8,428.50 none 14,472.20 28,304.35 140,023.37 52,115.85 2,945.04 313.27 none none none 33.24 TotaL _______ ------- ___ ---------- ___$ 1, 045,233.93 LIABILITIES: Cai>ital Stock_______________________$ Sllri>lUs Funaiosits__________________ _ Time Certificates of Dei>osit------Savings Dei>osits------------------LeetxteecrsutoefdCforerdCituastnodmAercsc_e_i_>_t,a_n_c__es_ Bills Payable________ ---------------Notes and Bills RediscounteI>roved Reserve Agents-- 22,877.15 Checks for Clearing and Due from other Banks----------------------- 1,530.00 COavsehrdIrtaefmtss_(_i_f_a__n_y_ )--__-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 8.00 520.40 AdCvo.amnmceodoitnies_c_o_t_t_o__n___a__n_d____o_t_h__e_r 4,239.14 Customers Liability on Letters of PrCorfeitdaitnadnLdoAssc_c_e_i>__t_a_n_c_e_g___________________ __ none none - - - - Other Resources-------------------- none TotaL _______________________________$ 76,605.55 LIABILITIES: Cai>ital Stock.______________________ $ Sllri>lUs Funsa_i_<_L__-_-_-_--_-_-_-_-_-_-_-_-_-_-_--_ Certified Checks.__________________ _ Demand Dei>osits.----------------- Time Certificates of Dei>osiL----Savings Dei>osits------------------Letters of Credit and Acceptances B.UexlsecPuatyeadbfloer__C__u_s__to__m__e_r_s__-_-_-_-_-_-_-_-_--_ NOothteesr aLniadbBiliiltlisesR__e_d_i_s_c_o__u_n_t_e_<__L__.___. 25,000.00 5,000.00 637.18 none none none 707.22 none 42,078.61 3,182,54 none none none none none TotaL _______________________________$ 76,605.55 42 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Bus,ness December 31, 1928, of the NORTHEASTERN BANKING CO. Commerce, Ga. As called for by the Superintendent of Banks. L. G. HARDMAN, C. J. HOOD, President. Cashier. Date of Charter: 1891 Began Business: 1892 RESOURCES: Loans and Discounts ______________ $ 268,481.59 Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ 133,798.47 5,080.92 3,032.42 30,870.20 Cash in Vault and amounts due from approved Reserve Agents.. 119,160.52 Checks for Clearing and Due from CaosthheIrteBmasn.-k_s_._-_-_-_-_-_-_-_-__----------------_-_---__Overdrafts (if any) ________________ _ 10,164.94 none none AdCvoamncmeodoitniesC__o_t_t_o__n___a_n__d____o_t_h__er_ 133,256.94 Customers Liability on Letters of Credit and Acceptances__________ none Profit anroved Reserve Agents._ 192,052.40 Checks for Clearing and Due from other BankS----------------------- 10,285.46 COavsehrdIrtaefmtss.(.i.f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none 2,698.85 Advance on cotton and other CommoditieS---------------------- 4,598.75 Customers LiabilitY on Letters of Credit and Acceptances---------- none Profit and Loss--------------------- none - - - - Other ResourceS-------------------- 1,400.00 TotaL ______________________________$ 670,430.22 LIABILITIES: Capital Stock.----------------------$ Surolus Fund....--------------------Reserve Funds---------------------Undivided Profits ____ -------------Due to Banks----------------------Dividends Uni>aid..----------------Cashiers Checks-------------------Certified CheckS-------------------Demand DepositS------------------Time Certificates of Deposit------Savings De:Dosits------------------Letters of Credit and Acceptances BielxlsecPuatYedabfloer__C__u_s_t_o_m___e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted..---Other Liabilities ------------------ 150,000.00 21,000.00 2.759.92 none none none 2,708.66 none 332,279.39 125,404.76 36,277.49 none none none none TotaL------------------------------- 670,430.~ l DEPARTMENT OF BANKING 45 STATEMENT Showing condition at the close of Business December 3I, 1928, of the CORDELE BANKING CO. Cordele, Ga. As called for by the Superintendent of Banks. J. H. CHILDS, S. 0. PARSONS, President. Cashier. Date of Charter: 5-30-1927 Began Business: 6-15-1927 RESOURCES: Loans and Discounts ..............$ 28,574.13 Certificates of Indebtedness and Bonds and Stocks owned....... . none BFuarnnkiitnugreHaonudseFaixntdurLeos_t_._._._._._._._._._. ._ none 5,000.00 Other Real Estate owned_________ _ none Cash in Vault and amounts due from avvroved Reserve Agents.. 28,972.32 Checks for Clearing and Due from other Banks.--------------------- 9,lll.95 COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none none Advance on Cotton and other Commodities---------------------- 2,067.79 Customers LiabilitY on Letters of Credit and Accevtances......... . none Profit and LOSS--------------------- none Other TotaL _R_e__s_o_u__r_c_e_s_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_- - -no-ne 73,726.19 LIABILITIES: Cavital Stock.... --------------- __ ..$ Surolus Fund----------------------Undivided Profits-----------------Reserve Funds.--------------------DDiuveidtoenBdsanUknsv--a-i-d--__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks___________________ _ Certified Checks.. ___ . __ ...... _____ _ TDiemmeaCnderDtifeivcoasteitss.o.f..D..e. v--o-s-i-t-_-_-_-__-_--_ Savings Devosits ....... -----------LeetxteecrsutoefdCfor er dCi tuastnodmAercsc_e_v__t_a_n_c__es_ Bills Payable...... ___ ._ ... ---------_ Notes and Bills Rediscounted____ _ Other Liabilities-------------------- 25,000.00 2,500.00 3,014.58 none none none 871.89 none 35,730.30 5,845.19 764.23 none none none none TotaL _______________________________ $ 73,726.19 STATEMENT Showing condition at the close of Business December 31, 1928, of the EXCHANGE BANK Cordele, Ga. As called for by the Superintendent of Banks. J. J. WILLIAMS, E. F. TISON, President. Cashier. Date of Charter: 11-29-1905 Began Business: 1-1-1906 RESOURCES: Loans and Discounts..............$ CeBrtoinfidcsaatensdoSftoIcnkdsebotwendende_s_s__a__n_d_ Banking House and Lot __________ _ Furniture and Fixtures_. _________ _ Other Real Estate owned. ________ _ Cash in Vault and amounts due from avvroved Reserve Agents.. Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advance on Cotton and other Commodities_________ -----------Customers LiabilitY on Letters of Credit and Accevtances---------Profit and LOSS--------------------Other Resources------------------TotaL ____________________________ ..$ 387,091.44 6,000.00 none 4,650.00 40,623.78 132,370.05 21,125.65 none 109.34 137,566.05 100,080.00 none 122,100.82 951,717.13 LIABILITIF.S: Cavital Stock_______________________ $ Surolus Fund..--------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unvaid......-----------CCearsthiifeierds CChheecckkss_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--. TDiemmeaCnedrDtifeivcoatseitsso--f--D--e-v-o--s-i-t-_-__-_-_-_--_ Savings Devosits. -----------------LeetxteercsutoefdCforerdCituastnodmaecrsc.e.v_t_a__n_c_e_s_ Bills Payable._____________ ---------NOothteesr aLniadbBiliitllisesR__e_d__i_s_c_o__u_n_t_e__d_._._..._. 100,000.00 100,000.00 5,126.67 none none none 1,981.47 none 428,168.78 187,639.15 23,721.06 100,080.00 none 5,000.00 none TotaL ______________________________$ 951,717.13 r I 46 NINTH ANr-.:l!AL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the CORNELIA BANK Cornelia, Ga. As called for by the Superintendent of Banks. J. E. BARR, J. M. GILLESPIE, President. Cashier. Date of Charter: 7-3-1900 Began Business: 8-4-1900 RESOURCES: Loans and Discounts..............$ Certificates of Indebtedness and Bonds and Stocks owned....... . Banking House and Lot........... Furniture and Fixtures............ Other Real Estate owned.......... . Cash in Vault and amounts due from approved Reserve Agents .. Checks for Clearing and Due from other banks...................... . Cash Items......................... . Overdrafts (if anY)................ . Advance on Cotton and other Commodities..................... . C.1stomers Liability on Letters of Credit and Acceptances......... . Profit and Loss..................... . Other Resources.................... 347,343.27 17,523.76 12,500.00 4,380.00 19,942.00 83,705.76 222.43 12.45 2,646.08 13,704.09 none none none TotaL ..............................$ 501,979.84 LIABILITIES: Capital Stock.......................$ Surolus Fund...................... . Undivided Profits................. Reserve Funds...................... Due to Banks...................... . Dividends Unpaid................. . Cashiers Checks ................... Certified Checks................... . Demand Deposits.................. . Time Certificates of Deposit...... . Savings Deposits................... Letters of Credit and Acceptances executed for Customers......... Bills PaYable....................... . Notes and Bills Rediscounted.... . Oth~r Liabilities................... . 40,000.00 15,000.00 15,992.90 6,000.00 4,101.86 11.00 1,643.91 10.00 222.936.47 196,283.70 none none none none none TotaL ..............................$ 501,979.84 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF COVINGTON & TRUST CO Covington, Ga. As called for by the Superintendent of Banks. R. R. FOWLER, J. E. PHILIPS, President. Cashier. Date of Charter: 4-10-1901 Began Business: 4-1ll01 RESOURCES: Loans and Discounts..............$ Certificates of Indebtedness and Bonds and Stocks owned....... . Banking House and Lot........... Furniture and Fixtures .......... . Other Real Estate owned......... . Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks...................... Cash Items ........................ . Overdrafts (if any). ............... . Advance on Cotton and other Commodities .................... . Customers Liability on Letters of Credit and Acceptances ........ . Profit and Loss.................... . Other Resources................... . 165,336.11 576,861.85 none 3,048.30 3,086.97 199,358.39 23,959.21 none none none none none none TotaL ..............................$ 971.650.83 LIABILITIES: Capital Stock.......................$ Sti.n>lus Fund....................... . Undivided Profits.................. Reserve Funds..................... . Due to Banks...................... . Dividends Unpaid................. . Cashiers Checks.................... Certified Checks................... . Demand Deposits.................. . Time Certificates of Deposit ...... SaVings Deposits ................... . Letters of Credit and Acceptances executed for Customers.......... Bills Payable....................... Notes and Bills Rediscounted..... Other Liabilities.................. .. 100,000.00. 25,000.00 27,375.73 none none 8,000.00 2,928.88 none 604,083.00 49.009.48 155,253.74 none none none none Tot~L ..............................$ 971,650.83 DEPARTMENT OF BANKiNG STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF NEWTON COUNTY Covington, Ga. As called for by the Superintendent of Banks. T. C. SWANN, M. G. TURNER, President. Cashier. Date of Charter: 1-17-1905 Began Business: 2-1-1905 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ Furniture and Fixtures______ -----Other Real Estate owned.________ _ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks---------------------Cash Items-------------------------Overdrafts (if anYl----------------AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__e_r Customers LiabilitY on Letters of Credit and Acceptances_________ _ POrtohfeitr aRnedsoLuorcsess-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ TotaL______________________________ 221,325.55 4,300.00 none 3,500.00 48,229.75 145,664.06 1,083.83 31.25 none 9,964.61 none none 4,770.47 439.369.52 LIABILITIES: Capital Stock______________________ .$ Sum1us Fund______________________ _ Undivided Profits-----------------RDeuseertvoe BFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_- -_ CDaivsihdieenrsdsCUhencpkasi_d_._-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_--_ CDeermtiafinedd DCehpeocskist.s._._._-_-_-_-_-_-_-_-_-_-_-__-_-_-_--_ TSaimviengCserDtiefpicoastietss. o__f-D--e_p__o_s_i_t_-_-_-_-_-_--. LBeieltxltseePrcsuatoyefadCbflroeer_d_Ci_t_u_as_tn_o_d_m_A_e_rc_s_c__e__p____t _a___n__c___e_ s__ Notes and Bills Rediscounted..... Other Liabilities___________ --------- 70,000.00 none 11,759.34 none none 104.00 586.62 none 287,397.52 35,122.51 34,154.10 none none none 245.43 TotaL _____________________________ $ 439,369.52 STATEMENT Showing condition at the close of Business December 31, 1928, of the COMMERCIAL BANK Crawford, Ga. As called for by the Superintendent of Banks. M. BLANCHARD, E. H. FURCRON, President. Cashier. Date of Charter: 9-2-1924 Began Business: 9-2-1924 RESOURCES: Loans and Discounts--------------$ 32,768.37 Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnkds oLwont _e_d__-_-_-_-_-_-_--_ Furniture and Fixtures ___________ _ 10,385.00 2,000.00 2,116.93 Other Real Estate owned_________ _ none Cash in Vault and amounts due from approved Reserve Agents.. 32,619.79 Choetchkesr fBoar nCklse_a_r_i_n__g__a_n__d__D__u_e__f_r_o__m_ Cash Items_________________________ _ Overdrafts (if any) _______________ _ 154.69 none 42.35 AdCvoamncmeodoitniesc__o_t_t_o_n____a_n__d____o_t_h__er. none Customers LiabilitY on Letters of Credit and Acceptances.. _______ _ Profit and Loss____________________ _ none none - - - - Other Resources.. ----------------- none TotaL. ______________________________ $ 80,087.13 LIAB lLIT!ES: Capital Stock_______________________ $ USunrdpivluidseFduPnrdo-f-i-t-s-_-_-_-_-_-__-_-_-_----------------Reserve Funds_____________________ _ Due to Banks______________________ _ Dividends Unpaid_________________ _ CCaesrthiifeiersd CChheecckkss.-.-.-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Demand Deposits__________________ _ Time Certificates of Deposit------Savings Deposits------------------LeetxteecrsutoefdCforerdCituastnodmAercsc_e_i_>_t_a_n_c__es_ Bills Payable_______________________ _ Notes and Bills Rediscounted____ _ Other Liabilities... ____________ ----- 15,000.00 1,000.00 1,554.65 none none none 1,083.07 none 50,601.78 5,753.14 5,094.49 none none none none TotaL _______________________________$ 80.087.13 48 NINTH ANNUAL REPORT STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF CRAWFORDVILLE Crawfordville, Ga. As called for by the Superintendent of Banks. JNO. F. HOLDEN, GEO. H. MITCHELL, President. Cashier. Date of Charter: 2-2-1899 Began Business: 10-1-1898 RESOURCES: Loans and Discounts..............$ 190,171.89 Certificates of Indebtedness and Bonds and Stocks owned........ 13,112.95 Banking House and Lot........... Furniture and Fixtures............ none 2,007.77 Other Real Estate owned.......... 4,035.00 Cash in Vault and amounts due from approved Reserve Agents.. 43,055.85 Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss.(.if..a--n-y-)--_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ 3.556.94 none none AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__e_r none CuCsrteodmiterasnLdiAabciclietpYtaonnceLs_e_t_t_e_r_s___of_ Profit and Loss____________________ _ none none - - - - Other Resources-------------------- none TotaL-------------------------------$ 255,940.40 LIABILITIES: CS uarppi tlauls SFtuonckd......_._.-.-.-.-.-.-.-.-.-.-.-.-.-.-.-.-.-.-.$ Undivided Profits.................. Reserve Funds.................... .. Due to Banks...................... . CDaivshidieenrsdsCUhencpkasi.d........._._._._._._._._._._._._._.._ Certified Checks.......... _________ _ Demand Deposits.................. . Time Certificates of Deposit.. ... .. Savings Deposits.... --------------. Letters of Credit and Acceptances executed for Customers.......... Bills Payable.............. _______ .. . Notes and Bills Rediscounted..... Other Liabilities------------------- 25,000.00 10,000.00 1,803.91 none none none 589.04 none 84,871.06 133,676.39 none none none none none TotaL. ________ ....... --------------- 255,940.40 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF TALIAFERRO Crawfordville, Ga. As called for by the Superintendent of Banks. JNO. F. HOLDEN, S. W. WYNN, President. Cashier. Date of Charter: 12-18-1907 Began Business: 1-1-1908 RESOURCES: Loans and Discounts..............$ 48,013.46 Certificates of Indebtedness and Bonds and Stocks owned........ Banking House and Lot........... 5,892.87 Furniture and Fixtures........... . 1, 992.40 Other Real Estate owned......... . 9,534.25 Cash in vault and amounts due from approved Reserve Agents.. 1,031.83 Checks for Clearing and Due from other Banks...... ----------- ..... none Cash Items... -- ............ -- .... -.. none Overdrafts (if any)-- ..... __ ....... . none Advance on Cotton and other Commodities---------------------- none Customers Liability on Letters of Credit and Acceptances.......... none Profit and Loss..................... 4, 762.61 Other Resources................... .- - -no-ne TotaL...............................$ 71,227.42 LIABILITIES: Capital Stock.......................$ Surplus Fund....................... Undivided Profits... ----------- .... Reserve Funds...... ----- .......... . Due to Banks.......... __ .......... . Dividends Unpaid................. . CCearsthiifeiersd CChheecckkss.........__-_-_-_-_-_-_--.-.-_-_-.-.-_-_ Demand Deposits................... Time Certificates of Deposit....... Savings Deposits................... Letters of Credit and acceptances executed for Customers.......... Bills Payable............ __ .. ______ __ Notes and Bills Rediscounted..... Other Liabilities... . ............... 40,000.00 8,000.00 none none none none none none 1,851.00 21,376.33 none none none none none TotaL...............................$ 71,227.42 NINTH ANNUAL REPORT 49 STATEMENT Showing condition at the close of Business December 31, 1928, of the B. R. ROPER, President. Date of Charter: BANK OF CUlVI!\IING Cummin~?:, Ga. As called for by the Superintendent of Banks. B. L. REDD, Cashier. 10-11-1904 Began Business: 10-11-1904 RESOLTRCES: Loans and Discounts. _____________ $ 51,680.30 Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ 17,290.99 8,000.00 4,637.50 Other Real Estate owned.________ _ 9,817.47 Cash in vault and amounts due from avproved Reserve Agents.. 72,777.41 Checks for Clearing and Due from other Banks---------------------- 869.44 COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_.._ 171.22 359.11 Advance on Cotton and other Commodities---------------------Customers Liability on Lettersof none Credit and Accevtances__________ none POrtohfeirt aRnesdouLrcoess_s_._-_--_-_-_-_-_-_-_-_-_--_-_-_-_-_-_-_- none 290.CO TotaL ______________________________ $ --165.893.44 LIABILITIES: Capital Stock_______________________ $ Surplus Fund______________________ _ Undivided ProfitS----------------RDeuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid_________________ _ Cashiers Checks-------------------CDeermtiafinedd DCehpeocski&ts._-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and Acceptances BielxlsePcuatyeadbfloer__C__u__s_t_o_m__e__r_s_------------------Notes and Bills Rediscounted.___ _ Other Liabilities------------------- 25,000.00 8,000.00 537.07 none none none 2,163.07 none 110,911.33 19,281.97 none none none none none TotaL _______________________________ $ 165,893.44 STATEMENT Showing condition at the close of Business December 31, 1928, of the GEORGIA BANK & TRUST CO. Cuthbert, Ga. As called for by the Superintendent of Banks. F. H. DAYIS, H. E. GORMLEY, President. Cashier. Date of Charter: 1-1-1917 Began Business: 1-'2-1917 RESOl:RCES: Loans and Discounts-------------- $ 212,727.94 Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ 14,485.50 3,300.00 3,200.00 none Cash in Vault and amounts due from approved Reserve Agents.. 126,312.33 Check5 for Clearing and Due from other Banks---------------------- 3,395.68 COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 1,087.14 35.27 AdCvoamncmeodoitniesC__o__t_to__n___a__n_d____o_t_h__e_r 5,403.59 Customers Liability on Letters of Credit and Acceptances_________ _ none POrtohfeirt RanesdoLurOcSesS_-_-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_--_ TotaL ______________________________ - $ none - -no-ne 369.947.45 LIABILITIES: Capital Stock_______________________ $ Surplus Fund______________________ _ Undivided Profits _________________ _ Reserve Funds---------------------DDiuveidteonBdsanUknsp--a-i-d--__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks___________________ _ Certified Checks___________________ _ Demand Deposits------------------Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable___________ ------------Notes and Bills Rediscounted. ___ _ Other Liabilities____ -------------- 50,000.00 11,000.00 57.61 none none 2,000.00 2,283.61 none 258,356.15 10,464.43 35,785.65 none none none TotaL ______________________________ $ 369,947.45 50 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF DAHLONEGA Dahlonega, Ga. As called for by the Superintendent of Banks. J. F. PRUETT, T. F. CHRISTIAN, President. Cashier. Date of Charter: 1914 Began Business: 1914 RESOURCES: Loans and Discounts............ $ Certificates of Indebtedness and Bonds and Stocks owned....... Banking House and Lot.......... FUrniture and Fixtures........... Other Real Estate owned........ Cash in Vault and amounts due from EU>Proved Reserve Agents.. Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss.(.i.f.a..n.y..)._._._._._._.__.___._._._._._._ Advance on Cotton and other Commodities.................... Customers LiabilitY on Letters of Credit and Acce:otances......... Profit and Loss................ Other Resources........... TotaL............................... $ LIABILITIES: 77,965.51 none 2,282.99 1,824.12 none 19,074.52 176.40 none 37.71 none none none none Ca:oital Stock.............$ Sur:olus Fund.............. Undivided Profits......... Reserve Funds............... Due to Banks............... Dividends Unpaid........ Cashiers Checks............. Certified Checks............ Demand D;e:oosits............... Time Certificates of De:oosit..... Savings De:oosits ............... Letters of Credit and Acce:otances executed for Customers........ Bills Payable..................... Notes and Bills Rediscounted.. Other Liabilities------------------- 15,000.00 2,200.00 1,407.29 none none none 15.25 5.50 45,147.53 37,535.68 none none none none none 101,361:.:.2:::.5_-'--=T..:::ot,..a.,l:.:-c:.:~-:.:-c.:::-~:.:-~:.:c.:::~-=-=-c.::::.::.::.:.:.:c.:::~-:.:-$'--.:::10co1.>.::,3:.:::61:..:::.:25:.. STATEMENT Showing condition at the close of Business December 31, 1928, of the "'- BANK OF LUMPKIN COUNTY Dahlonega, Ga. As called for by the Superintendent of Banks. G. H. MOORE, J. S. SPEER, President. Cashier. Date of Charter: 11-1911 Began Business: 11-1911 RESOURCES: LIABILITIES: Loans and Discounts............. $ 77,712.15 Ca:oital Stock.................$ 15,000.00 Certificates of Indebtedness and Sur:olus Fund................. 3,000.00 Bonds and Stocks owned. 4,500.00 Undivided Profits............ 648.34 Banking House and Lot........ none Reserve Funds.................. none Furniture and Fixtures....... 2,400.00 Due to Banks................... none Other Real Estate owned......... none Dividends Un:oaid............ none Cash in Vault and amounts due Cashiers Checks.................. 24.75 from a:oproved Reserve Agents.. 67,766.57 Certified Checks.................... none Checks for Clearing and Due from Demand De:oosits------------------ 64,540.86 ' other Banks.--------------------COavsehrdIrtaefmtss.(.i.f-a-n-Y--)-.-.---.-..-.-.-.-.-.-.-.-.--.-- none none none Time Certificates of De:oosit..... Savings De:oosits................... Letters of Credit and Acceptances 67,884.70 1,280.07 Advance on cotton and other executed for Customers........ none Commodities..................... none Bills Payable----------------------- none Customers LiabilitY on Letters of Notes and Bills Rediscounted... none Credit and Acce:otances......... . none Other Liabilities................. none Profit and Loss.................... none Other Resources................... none TotaL. .............................. $ 152,378.72 Total................................$ 152,378.72 NINTH ANNUAL REPORT 51 STATEMENT Showing condition at the close of Business December 31, 1928, of the COMMERCIAL BANK Dallas, Ga. As called for by the Superintendent of Banks. J. T. LEE, R. RUSSOM, President. Cashier. Date of Charter: 1-28-1907 Began Business: 2-8-1907 RESOURCES: Loans and Discounts-------------- $ 75,764.72 Certificates of Indebtedness and Bonds and Stocks ownecl------- none Banking House and Lot----------- 1,750.00 Furniture and Fixtures------------ 2,300.00 Other Real Estate ownecL--------- none Cash in Vault and amounts due from approved Reserve Agents.. 41,620.45 Checks for Clearing and Due from other bankS..---------------------- 406.20 COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 314.47 none Advance on Cotton and other Co=odities---------------------CuCsrteodmitearsnLdiAabccileiptytanocnesL.,e_t_t_e__r_s__o_f 7,018.91 none Profit and LOSS--------------------- none Other TotaL Resources.------------------_______________________________ -, - -no-ne 129,174.75 LIABILITIES: Capital Stock----------------------$ Surplus Funcl.--------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks..---------------------Dividends Unpaicl----------------Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifeipcoatseistSo-f--D--e-p--o-s-i-t-_-_-_-__-_--_ Savings Depo~its------------------ Letters of Credit and Acceptances executed for Customers---------Bills Payable.---------------------Notes and Bills RediscountecL---Other Liabilities------------------- 25,000.00 none 8,616.12 5,000.00 none 4.00 297.79 none 45,804.14 35,351.81 9,100.89 none none none none TotaL-------------~---------------$ 129,174.75 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE BANK OF DALTON Dalton, Ga. As called for by the Superintendent of Banks. W. C. MAR'IlN, President. Date of Charter: 11-26-1911 JAMES J. COPELAND, Cashier. Began Business: 10-12-1912 RESOURCES: Loans and Discounts-------------$ 312,053.99 Certificates of Indebtedness and Bonds and Stocks ownecL------ 5,550.00 Banking House and Lot----------- 16,000.00 FOuthrneirtuRreealaEndstFatiextouwrense-c-L--_-_-__-_-_-_-_--_ 4,000.00 22,044.32 Cash in Vault and amounts due from approved Reserve Agents.. 41,369.79 Checks for Clearing and Due from other Banks---------------------- 5,209.27 COavsehrdIrtaefmtss-(i-f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 5,828.03 174.93 Advance on Cotton and other CuCsoto=moedristiLesia..b-i-l-i-t-y--o-n-L--e-t-t-e-r-so--f none Credit and Acceptances.-------- none Profit and LOSS------------------- none Other Resources..----------------TotaL ______________________________ -$ -4113- .,368188-..4870 LIABILITIES: Capital Stock------------------ $ Surplus Fund.-------------------- Undivided Profits-----------------Reserve Funds------------------Due to BankS..--------------------Dividends Unpaicl----------------Cashiers Checks-------------------Certified Checks-------------------Demand DepositS..-----------------Time Certificates of Deposit------Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable.-------------------- Notes and Bills RediscountecL---Other LiabilitieS------------------ 50,000.00 10,000.00 8,143.13 none none 1,500.00 1,747.11 none 124,906.98 6,142.24 156,679.34 none 54,500.00 none none TotaL----------------------------$ 413,618.80 52 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the HARDWICK BANK & TRUST CO. Dalton, Ga. As called for by the Superintendent of Banks. W. M. HARDWICK, T. D. RIDLEY, President. Cashier. Date of Charter: 2-17-1922 Began Business: 2-20-1922 RESOURCES: Loans and Discounts-------------- $ Certificates of Indebtedness and Bonds and Stocks owned..------BF uarnnkiitnugr eHaonudseFaixntdurLeos _t-_-__-_-_-_-_-_-_-_--_ Other Real Estate owned.________ _ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__e_r Customers LiabilitY on Letters of Credit and Acceptances---------- Profit and LosS--------------------Other Resources.------------------- 781,642.39 280,247.93 44,672.31 2,229.66 15,750.00 389,513.90 2,622.83 none 3,083.05 none none none none TotaL ______________________________ $ 1.519,762.07 LIABILITIES: Capital Stock ______________________$ Surplus Func:L--------------------Undivided Profits-----------------Reserve Funds---------------------DDiuveidtoenBdsanUknsp--a-i-d-.-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks-------------------Certified Checks-------------------Demand Deposits------------------Time Certificates of Deposit------- ~~i'~sJ~r~~fa:n.ct:A.cceiltances BielxlsecPuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted.___ _ Other Liabilities------------------- 100,000.00 175,000.00 80.61 none none 450.00 1,825.34 none 747,854.88 143,812.36 350,738.88 none none none none TotaL.. _____________________ -- _____$ 1, 519,762.07 STATEMENT Showing condition at the close of Business DecemLer 31, 1928, of'the BANK OF KESTLER Damascus, Ga. As called for by the Superintendent of Banks. H. E. HIGHTOWER, W. R. PULLEN, President. Cashier. Date of Charter: 11-3-1905 Began Business: 12-1-1905 RESOURCES: Loans and Discounts-------------- $ 67,100.45 Certificates of Indebtedness and Bonds and Stocks owned,______ _ none FBuarnnkiitnugreHaonudseFaixntdurLeos_t_-_-_-_-_-_-_-_-_-_--_ Other Real Estate owned,________ _ 6,000.00 2,500.00 825.00 Cash in Vault and amounts due from approved Reserve Agents-- 16,617.11 Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 100.00 none 115.22 Advance on Cotton and other Commodities---------------------- 2,151.03 Customers LiabilitY on Letters of Credit and Acceptances---------- none POrtohfeirt aRnedsoLuOrcSesS_-_-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_--_ - - none -no-ne TotaL-------------------------------$ 95,408.81 LIABILITIES: Capital Stock---------------------- 2 Surplus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid.~--------------- Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifeipcoatsei.stso-f--D--e-p--o-s-i-t-_-_-_-__-_--_ Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u__s_t_o_m--e-r-s--------------------Notes and Bills Rediscounted.___ _ Other Liabilities------------------- 25,000.00 5,000.00 1,956.76 none none none 355.03 none 45,816.45 17,280.57 none none none none none TotaL-------------------------------$ 95,408.81 NINTH ANNUAL REPORT 53 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF DANIELSVILLE DaniclsYille, Ga. As called for by the Superintendent of Banks. J. F. HOLDEN, R. C. GRIFFETH, President. Cashier. Date of Charter: 12-11-1907 Began Business: 1-15-1908 RESOURCES: Loans and Discounts.------------- $ 58,345.08 C eBrot inf idcsa taensdoSf t oI nc kdse botwe dnneeds__s__a__n_d_ 3,000.00 Banking House and Lot.. ________ _ 2,000.00 Furniture and Fixtures... ________ _ Other Real Estate owned_________ _ l, 000.00 none Cash in vault and amounts due from approved Reserve Agents.. 92,072.32 Checks for Clearing and Due from other Banks.--------------------- 1,001.39 COavsehrdIrtaefmtss.(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none 394.51 AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__er_ none Customers LiabilitY on Letters of Credit and Acceptances......... . none Profit and LOSS--------------------- none Other Resources.------------------TotaL. _____________________________ -$ - -no-ne 157,813.30 LIABILITIES: Capital Stock.. _____________________ $ Surplus Fund...____________________ _ URensdeirvviedFe du nPdr osf. _i t_s_-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_- -_ Due to Banks----------------------Dividends Unpaid-----------------CCaesrthiifeiersd CChheecckkss_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ TDiemmeaCnedrDtifeipcoasteitss-o-f--D--e-p-o--s-i-t-_-_-__-_-_--_ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers... ______ _ Bills Payable..... __________ --------Notes and Bills Rediscounted____ _ Other Liabilities.------------------- 15,000.00 15,000.00 300.00 none none none 132.50 none 104,465.66 22,915.14 none none none none none TotaL------------------------------$ 157,813.30 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE DARIEN BANK Darien ,Ga. As called for by the Superintendent of Banks. C. M. TYSON, D. E. LANE, President. Cashier. Date of Charter: 12-1888 Began Business: 1-1889 RESOURCES: Loans and Discounts.-------------$ Certificates of Indebtedness and Bonds and Stocks owned..______ _ Banking House and Lot... _______ _ FOuthrneirtRureealaEndstaFitxetourwesn-e-d-_~_-_-_-_-_-_-_-_-_ Cash in vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss.(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advance on cotton and other Commodities..-------------------Customers LiabilitY on Letters of Credit and Acceptances_________ _ Profit and LOSS--------------------Other Resources.------------------- TotaL ______________________________ $ 102,971.14 40,000 .oo 2,000.00 1,000.00 11,857.48 40,688.16 189.98 none 6.59 none none none none 198,713.35 LIABILITIES: Capital Stock.. _____________________ $ Surplus Fund.._____________________ _ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid-----------------Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifeipcoatseitsso--f--D--e-p-o--s-i-t-_-_-__-_-_--_ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable_____________ ----------Notes and Bills Rediscounted...--Other Liabilities------------------- 25,000.00 5,000.00 5,238.03 none none 1,007.00 570.98 none 71,678.86 17,210.55 73,007.93 none none none none TotaL.. ____________________________ $ 198,713.35 54 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF DAWSON Dawson, Ga. As called for by the Superintendent of Banks. M. C. EDWARDS, C. D. COCKE, President. Cashier. Date of Charter: 6-29-1911 Began Business: 7-1-1911 RESOURCES: Loans and Discounts. _____________ $ 395,264.93 Certificates of Indebtedness and Bonds and Stocks owned.______ _ 4,500.00 Banking House and Lot----------- none FOuthrneirtRureealaEndstaFtiextoUwrnese-d-.-_-_-_-_-_-_-_-_--_ Cash in Vault and amounts due none 18,142.94 from aovroved Reserve Agents.. Checks for Clearing and Due from 53,261.48 other banks----------------------COavsehrdIrtaefmtss-(i-f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 6,547.54 none none AdCvoamncmeodointiesC__o_t_t_o__n___a__n_d____o_t_h__er_ PCruCosrfteiotdmaitenardsnLLdoiAasbsc_icl_ei_tv_Y_ta__no_cn_e_sL___e_._t_t__e____r__s___o_ f__ 46,558.71 none none Other Resources------------------- - - -no-ne TotaL------------------------------- $ 524,275.60 LIABILITIES: Capital Stock..--------------------- $ Surolus Funaiosit...... Savings Deposits------------------Letters of Credit and Acce:ptances BielxlsecPuatyeadbfloer__C__u_s__to__m__e_r_s__-_-_-_-_-_-_-_-_--_ NOothteesr aLniadbBiliiltlisesR_e_d__i_s_c_o_u__n_t_e_d_._._._._.._ 50,000.00 10,000.00 33,932.04 10,933.09 31,836.03 2,040.00 1,494.26 none 612,827.95 22,966.53 395,539.96 none none none none TotaL. _______ .. ---- __________ .$ 1,171, 569.86 NINTH ANNUAL REPORT 71 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE STATE BANKING CO. Gainesville, Ga. As called for by the Superintendent of Banks. T. E. ATKINS, J. H. CURTIS, President. Cashier. Date of Charter: 1888 Began Business: 1889 RESOURCES: Loans and Discounts-------------- $ Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other RealEstate owned. ________ _ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodointiesC__o_t_t_o__n___a_n__d____o_t_h__er_ CuCsrteodmiterasnLdiAabccileiptyta,onnceLs_e_t_t_e_r_s__o_ _f Profit and LOSS------------- Other Resources-------------------TotaL..____________________________ $ 413,252.51 none none 6,000.00 4,246.60 48,218.68 12,146.41 964.63 none 6,355.68 none none none none 491,184.51 LIABILITIES: Capital Stock_______________________ $ Surplus Fund______________________ _ Undivided Profits-----------------Reserve Funds---------------------DDiuveidtoenBdsanUkns-p-a-i-d--_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks___________________ _ Certified Checks-------------------TDiemmeaCnderDtifeipcoatseitsso--f--D--e-p-o--s-i-t-_-__-_-_-_--_ ~~~!ss o~tfr~~ltand.-Accili)taiices executed for Customers_________ _ Bills Payable_____________ ----------Notes and Bills Redtscounted..... Other Liabilities-------------------- 75,000.00 25,000.00 7,730.97 none none none none 2,000.00 218,608.64 162,844.90 none none none none none TotaL ... ___________________________$ 491,184.51 STATEMENT Showing condition at the close of Business December 31, 1928, of the FARMERS & MERCHANTS BANK Garfield, Ga. As called for by the Superintendent of Banks. J. I. ANDERSON, D. M. CASON, President. Cashier. Date of Charter: 1-9-1911 Began Business: 2-14-1911 RESOURCES: Loans and Discounts--------------$ 47,736.35 Certificates of Indebtedness and Bonds and Stocks owned........ 3 ,650.00 Banking House and Lot........... 4,207.48 Furniture and Fixtures............ 3,189.46 Other Real Estate owned... ______ _ 2,572.77 Cash in Vault and amounts due from approved Reserve Agents.. 13,663.88 Check.~ for Clearing and Due from other Banks....................... 568.07 Cash Items... _____ ...... _........... ?.83.30 Overdrafts (if any) ................. 1,619.06 Advance on cotton and other co=odities___ ........ -- ........ . 6,628.14 Customers LiabilitY on Letters of Credit and Acceptances......... . none Profit and Loss..................... none Other Resources.................... - - -no-ne Total................................ $ 83,118.51 LIABILITIES: Capital Stock..---------------------$ US unrdpivl uids eFduPnr 20,294.15- none none none. none 2,500.00< Total...............-........----....$ 83,118.61 72 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF GIBSON Gibson, Ga. As called for by the Superintendent of Banks. B. F. WALKER, E. E. GRIFFIN, President. Cashier. Date of Charter: 11-7-1905 Began Business: 11-27-1905 RESOURCES: Loans and Discounts .............. $ 35,910.42 Certificates of Indebtedness and Bonds and Stocks owned........ none Banking House and Lot........... 3,000.00 FOuthrneirtuRreealaEndstFatiextouwrense.d....__._._._._._._. ._ 1j600.00 none Cash in Vault and amounts due from approved Reserve Agents. 50,275.49 Choetchkesr fboarnCklse_a_r_i_n__g__a_n__d__D__u_e__f_r_o__m_ none COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none 3,650.47 Advance on Cotton and other Commodities---------------------- none CuCsrteodmiterasnLdiaAbcilcite;I>roved Reserve Agents.. 319,419.03 Checks for Clearing and Due from other banks----------------------- 82,290.18 COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 621.30 2,713.58 AdCvoamncmeodointiesC__o_t_t_o__n___a__n_d____o_t_h__e_r 110,822.60 Customers Liability on Letters of none Credit and Accei>tances---------- none Profit and Loss--------------------- none Other Resources-------------------TotaL ______________________________ - - -214-.59 $ 1,787,976.26 LIABILITIES: Cai>ital Stock.______________________ $ USunrid>ilvUiSdeFduPnrcoLf-it-s--.-.-_-_-_-_-_-__-_-_-_-_-_-_-_-_--_ Reserve Funds---------------------DDiuveidtoenBdsanUknsi->-a-J-d--_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks___________________ _ Certified Checks.------------------TDiemmeaCnedrDtifeiic>aotseistSo-f--D--e-i->-o--s-i-t-..-_-_-_-_--_ Savings Dei>ositS------------------LBeieltxltseecrPsuatoyefadbCfloreer_d_C_i_tu_as__tno_d_m_A_e_cr_s_c__e__i__>__t__a__n__c____es__ Notes and Bills Rediscounted..... Other Liabilities------------------- 150,000.00 100,000.00 55,243.48 none 1,087.16 7,512.00 7,471.28 none 900,930.49 269,108.56 296,623.29 none none none none TotaL------------------------------$ 1,787,976.26 STATEMENT Showing condition at the close of Business DeceJDher 31, 1928, of the JONES COUNTY BANK Haddock, Ga. As called for by the Superintendent of Banks. T. R. TURNER, G. A. SMITH, President. Cashier. Date of Charter: 7-14-1905 Began Business: 7-25-1905 RESOURCES: Loans and Discounts--------------$ 64,110.64 Certificates of Indebtedness and Bonds and Stocks owned.------- 545.00 Banking House and Lot----------- 1,700.11 Furniture and Fixtures------------ 1,823.11 Other Real Estate owned.--------- 19,932.00 Cash in Vault and amounts due from ai>I>roved Reserve Agents.. 9,839.80 Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(-if--a-n--y-)-.-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 1,120.39 none 13.73 Advance on Cotton and other Commodities.--------------------CuCsrteodmitearnsdLAicacbeixl>ittyanocnesL.e..tt_e__r_s__o_f none none Profit Other and LOSS--------------------Resources.------------------- - - none -no-ne TotaL-------------------------------$ 99,084.78 LIABILITIES: Cai>ital Stock.______________________$ Surolus l!i.Ind---------------------Undivided Profits-----------------Reserve Funds---------------------DDiuveidteonBdsanUknsi->-a--id--..-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks-------------------Certified Checks-------------------Demand Dei>osits-----------------Time Certificates of Dei>osit.-----Savings Dei>ositS------------------LeetxteecrsutoefdCforerdCituastnodmAercsc_e_i_>_t_a_n__c_es_ BNOiotlhtlesesrPaLanYiadabbBilliietl-iles--sR-.-.e_-d_-_-i_-s_-c_-o_-_u-_-n_-_t-e_-_d-_-._-._-._-.-._ 25,000.00 15,000.00 2,585.84 456.02 none none 261.85 none 32,312.43 10,468.64 none none 13,000.00 none none TotaL-------------------------------$ 99,084.78 l NINTH ANNUAL REPORT 79 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF HAPEVILLE Hapeville, Ga. As called for by the Superintendent of Banks. J. M. DANIEL, HORACE FORT, President. Cashier. Date of Charter: 1-11-1911 Began Business: 1-17-1911 RESOURCES: Loans and Discounts--------------$ 226,968.03 Certificates of Indebtedness and Bonds and Stocks owned........ Banking House and Lot________ , __ none 4,810.84 Furniture and Fixtures------------ 5,045.76 Other Real Estate owned.......... 14,756.89 Cash in Vault and amounts due from approved Reserve Agents.. 36,608.46 Checks for Clearing and Due from other Banks.--------------------- none COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 768.80 none AdCvoamncmeodoitniesC..o. _t_to__n___a__n_d____o_t_h__e.r none Customers Liability on Letters of Credit and Acceptances________ __ none Profit and Loss.. ______________ ----- none Other TotaL Resources.. ________________ __ ______________________________ . -$ - -no-ne 288,958.78 LIABILITIES: Capital Stock_______________________ $ Surplus Fund... __________________ __ Undivided Profits-----------------Reserve Funds---------------------DDiuveidtoenBdsanUknsp--a-i-d--_-_-_-__-_-_-_-_-_-_-_-_-_-_-_--_-_ CCearsthiifeiersd CChheecckkss-..-.-.-_-_-_-_-_-_-_-_-_-_-_-_-____ ____ Demand Deposits.... ______________ _ Time Certificates of Deposit....... Savings Deposits.... --------------_ Letters of Credit and Acceptances executed for Customers________ __ Bills Payable.... ________________ ---NOothteesr aLniadbBiliiltlisesR__e_d_i_s_c_o__u_n__te__d_._._..__. 15,000.00 17,561.62 2,685.49 none none none 1,380.67 none 115,379.85 9,868.80 127,082.35 none none none none TotaL... ________________ ------------ $ 288,958.78 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF COLUMBIA COUNTY Harlem, Ga. As called for by the Superintendent of Banks. E. D. CLAR~ L. M. CONNE& President. Cashier. Date of Charter: 11-29-1909 Began Business: 12-13-1909 RESOURCES: Loans and Discounts-------------- $ 56,604.15 Certificates of Indebtedness and Bonds and Stocks owned.______ _ none Banking House and Lot----------Furniture and Fixtures__________ __ Other Real Estate owned________ __ 6,000.00 2,104.59 4,063.34 Cash in Vault and amounts due from approved Reserve Agents.. 59,858.73 Choetchkesr fBoar nCklse-a-r_i_n_g__a_n__d__D__u__e_f-r-o_m_ - none COavsehrdIrtaefmtss.(.if..a..n_y_)--_-_-_-_-_-_-______-_------------AdCvoan=coed!otniesc__o_t_t_o_n____a_n__d____o_t_h__er_ 181.85 434.21 none Customers LiabilitY on Letters of Credit and Acceptances________ __ none POrtohfeirt aRnedsoLuorcsess-.-.-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ - - none -no-ne TotaL.... --------------------------- $ 129,246.87 LIABILITIES: Capital Stock_______________________ $ Surplus Fund_____________________ __ Undivided Profits_________________ _ Reserve Funds---------------------DDiuveidteonBdsanUkns-p-a-i-d--_-_-_-_-__-_-_-_-_-_-_-_-_-_-_--__CCearsthiifeiersd CChheecckkss--------------_-_-_-_-_-_-_-_-_-_-_-_--_ Demand Deposits------------------TSaimviengCserDtiefpicoastietss _o_f__D__e_p__o_s_i_t_._._._._._. ._ Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u_s_t_o__m__e_r_s_._.__._._._._._.._._ NOothteesr aLniadbBiliiltlisesR__e_d_i_s__c_o_u__n_t_e__d_._..--_-_ 25,000.00 6,500.00 4,581.44 none none 28.00 238.29 none 72,905.59 19,993.55 none none none none none TotaL ______________________________ $ 129,246.87 80 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the PLANTERS BANK Hawkinsville, Ga. As called for by the Superintendent of Banks. N. A. JELKS, C. H. REYNOLDS, President. Cashier. Date of Charter: 2-27-1896 Began Business: 3-1896 RESOURCES: Loans and Discounts ______________ $ 208,692.36 CeBrotinfidcsataensdoSftoInckdsebotwednnede.s_s__a__n_d_ 10,021.88 Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ 15,000.00 none 15,264.31 Cash in Vault and amounts due from approved Reserve Agents.. 203,742.82 Checks for Clearing and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_--_ Overdrafts (if any) ________________ _ 34,608.75 none none AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__e_r 30,571.17 Customers Liability on Letters of Credit and Acceptances---------- none Profit and LOSS--------------------- none Other Resources.------------------- - - -no-ne TotaL-------------------------------$ 517,901.29 LIABILITIES: Capital Stock... ____________________ $ Surplus Fund______________________ _ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------CDaivsihdieenrsdsCUhencpkasi_d_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_--_ Certified Checks___________________ _ TDiemmeaCnedrDtifeipcoasteitss-o-f--D--e-p-o--s-i-t-_-_-__-_-_--_ Savings Deposits _________________ __ Letters of Credit and Acceptances BielxlsePcuatyeadbfloer__C__u__s_t_o_m__e__r_s_------------------NOothteesr aLniadbBiliitlilessR__e_d__is__c_o_u__n_t_e__d_.______ __ 50,000,00 50,000.00 43,500.00 662.77 none 6,000.00 6,197.11 353.90 282,276.21 78.911.30 none none none none none TotaL-------------------------------$ 517.901.29 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF HAZLEHURST Hazlehurst, Ga. As called for by the Superintendent of Banks. Z. W. IORKLAND, J. F. MATTHEWS, President. Cashier. Date of Charter: 10-19-1906 Began Business: 1906 RESOURCES: Loans and Discounts ______________ $ 53,547.67 Certificates of Indebtedness and Bonds and Stocks owned.______ _ none Banking House and Lot----------FOUthrenritRureealaEnsdtaFtiexotuwrense-d-.-_-_-_-_-_-_-_-_-_- none 3,723.00 23,751.72 Cash in Vault and amounts due from approved Reserve Agents.. 72,778.97 Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 855.67 566.27 none AdCvoamncmeodoitniesc__o_t_t_o__n___a__n_d____o_t_h__e_r none Customers LiabilitY on Letters of Credit and Acceptances__________ none Profit and LOSS--------------------- 1,626.63 Other Resources-------------------TotaL ______________________________ -$ -157-,687299-..5447 LIABILITIES: Capital Stock.._____________________ $ Surplus Fund______________________ _ URensdeirvviedFedunPdrosf_i_t_s_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ DDiuveidtoenBdsanUknsP--a-i-d--_-__-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks-------------------Certified Checks-------------------Demand Deposits------------------Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable_______ ----------------Notes and Bills Rediscounted.___ _ Other Liabilities-------------------- 15,000.00 none none none none none 3,349.98 7.00 79,811.01 59,507.38 none none none none 4.10 TotaL-------------------------------$ 157,679.47 NINTH ANNUAL REPORT 81 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE BANK OF HELEN Helen, Ga. As called for by the Superintendent of Banks. JOHN E. :\IITCHELI., M. J. WILLIAMS, President. Cashier. Date of Charter: 7-4-191:3 Began Business: 8-13-1913 RESOURCES: Loans and Discounts..............$ Certificates of Indebtedness and Bonds and Stocks owned........ BFuarnnkiitnugreHaonudseFaixntdurLeos.t-..-.--__-_-_-_-_-_--_ Other Real Estate owned_________ _ Cash in vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banl{S. -------------------COavsehrdIrtaefmtss-(i-f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__er_ CuCsrteodmiterasnLd iAa bciclei tpytaonnceLs_e_t_t_e_r_s___o_f Profit anrl LOSS--------------------Other Resources.-----------------TotaL. ______________________________ $ 86.443.94 none 3.~99.71 1.174.70 3,311.85 40.321.48 1.219.12 4.00 61.60 none none none 22.60 135.959.00 LIABILITIES: Capital Stock_______________________ $ Surplus Fund______________________ _ Undivided Profits-----------------Reserve Funds.--------------------DDiuveidtoenBdas nUkns-p-a-i-d--_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ CCaesrthiifeiersd CChheecckkss-.-..-.-.-.-.-.-.--_-_-__-_-_-_-_-_-_--_ Demand Deposits__________________ _ Time Certificates of Deposit------Savings Deposits..............----Letters of Credit and Acceptances executed for Customers.....----Bills Payable........ __ .. _...... ----Notes and Bills Rediscounted..... Other Liabilities....... ____________ - 15,000.00 10,000.0.0 6,235.81 none none 20.00 99.20 none 31,828.79 72,745.20 none none none none none TotaL _________________________ .....$ 135.959.00 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF HIAWASSEE Hiawassee, Ga. As called for by the Superintendent of Banks. J. F ..JOHNSOl\", W. 0. SPARKS, President. Cashier. Date of Charter: 6-14-1909 Began Business: 7-~1-1909 RESOURCES: Loans and Discounts--------------$ CeBrotinfidcsaatensdoSftoIcnkdsebotwendende_s_s__a__n_d_ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ 44,658.53 none 1.500.00 500.00 10,900.00 Cash in vault and amounts due from approved Reserve Agents.. 44,032.69 Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none none none AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__er_ none Customers Liability on Letters of Credit and Acceptances.... ------ none Profit and Loss--------------------- none Other Resources-------------------- - - none -- TotaL.... ---------------------------$ 101.591.22 LIABILITIES: Capital Stock_______________________ $ Surplus Funital Stock.......................$ Surolus Fund...................... . Undivided Profits.................. Reserve Funds...................... Due to Banks...................... . Dividends Un.t>aid................. . Cashiers Checks.................... Certified Checks................... . Dema.nd De.t>osits.................. . Time Certificates of De.t>osit....... Savings De.t>osits .................. . Letters of Credit and Acce.Dtances executed for Customers.......... Bills PaYable....................... . Notes and Bills Rediscounted.... . Other Liabilities.................... 25,000.00 none 217.77 none none none 17.29 none 36,705.55 89,347.00 none none none none none TotaL...............................$ 151,287.61 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE HINESVILLE BANK HinesYille, Ga. As called for by the Superintendent of Banks. D. F. MARTIN, T. H. McDOWELL, President. Cashier. Date of Charter: 9-4-1911 Began Business: 11-15-1911 RESOURCES: Loans and Discounts .............. $ 79,823.75 -Certificates of Indebtedness and Bonds and Stocks owned........ none Banking House and Lot........... 1,982.00 Furniture and Fixtures............ 2,447.32 Other Real Estate owned......... . none -Cash in Vault and amounts due from a.D.Droved Reserve Agents.. 27,988.37 Checks for Clearing and Due from other Banks...................... 1,645.67 OCva es hr dIrtaefmt ss.(.if. .a.n. .y.). _. _. _._._._._._._._._._._._._._. ._ none 148.73 Advance on Cotton and other Commodities....... _.... _........ . none Customers LiabilitY on Letters of Credit and Acce.t>tances.......... none Profit and Loss..................... none Other Resources.................... - - -109-.45 TotaL.............................. $ 114,145.29 LIABILITIES: Ca.t>ital Stock.......................$ Reserve for branches .............. SUr.t>lUS Fund...................... . Undivided Profits.................. Reserve Funds...................... Due to Banks....................... Dividends Un.t>aid.................. Cashiers Checks.................... Certified Checks.................... Demand De.t>osits_................. Time Certificates of De.t>osit...... . Savings De.t>osits................... Letters of Credit and acc.Dtances BielxlsePcuatyeadbfloer__C__u_s_t_o_m__e__r_s_._._._._._._._._. ._ Notes and Bills Rediscounted..... Other Liabilities_.................. 15,000.00 6,000.00 2,479.43 none none none 1,311.95 60.00 75,883.31 13,170.60 none none none none none 240.00 TotaL...............................$ 114,145.29 NINTH ANNUAL REPORT 88 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE BANK OF HOMERVILLE Homerville, Ga. As called for by the Superintendent of Banks. W. V. :MUSGROVE, G. A. GIBBS, President. Cashier. Date of Charter: 5-6-1903 Began Business: 7-3-1903 RESOURCES: Loans and Discounts .. ____________ $ 308,113.90 Certificates of Indeb.tedness a,nd Bonds and Stocks 6wned.------- 350.00 FBuarnnkiitnugreHaonudseFaixntdurLeos_t_._._._-_-_-_-_-_-_--_ 11,000.00 8,069.89 Other Real Estate owned..-------- 2,098.80 Cash in Vault and amounts due from approved Reserve Agents._ Checks tor Clearing and Due from 60,457.66 other banks----------------------COavsehrdIrteamftss..(_i_f_a__n_y__) -_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ none 1,976. 75 5,521.96 Advance on Cotton and other CuCsoto=moedrsitLieiasb..i-l-i-t-y--o-n--L--e-t-t-e-r-s--o--f none Credit and Acceptances..-------Profit and Loss..................... none none Other Resources-------------------- - - -no-ne TotaL.......... -------------------- $ 397,588.96 LIABILITIES: Capital Stock.......................$ Surplus Fund........................ Undivided Profits.................. Reserve Funds...................... Due to Banks...................... . Dividends Unpaid.................. CCaesrthiifeiersd CChheecckkss..-.-.-.-.--.-.-.-.-.-.-.-.-.-.-.-.-.-. Demand Deposits..----------------Time Certificates of Deposit------Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u_s__to__m__e_r_s__-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted..... Other Liabilities.................... 15.000.00 30,000.00 1,443.53 none none none 320.18 2.20 126,427.05 168,465.63 19,930.37 none 36,000.00 none none TotaL. ______________________________ $ 397.588.96 STATEMENT Showing condition at the close of Business December 31, 1928, of the CLINCH COUNTY BANK Homerville, Ga. As called for by the Superintendent of Banks. G. M. DAME, W. C. WOOTEN, President. Cashier. Date of Charter: 9-2-1919 Began Business: 9-10-1919 RESOURCES: Loans and Discounts--------------$ Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnkds oLwont_e_d__._._._._._._. ._ FOuthrneirtuRreealaEndstFatiextouwrensed--_-_-_-_-__-_-_-_--_ Cash in Vault and amounts due from approved Reserve Agents.. Choethckesr fBoarnCklse_a_r_i_n_g__a_n__d__D__u__e_f_r_o__m_ Cash Items...... ___________________ _ Overdrafts (if any) ________________ _ AdCvoamncmeodoitniesC..o..t.t.o.n___a__n_d____o_t_h__er_ CPruCosrfteiotdmaitenradsnLLdoiaAsbsc_icl_ie_t_pY_t_a_on_nc__eL_s__e___t_t__e___r__s___o__ f__ Other Resources.------------------- TotaL------------------------------$ 103,062.84 none 2,446.23 3,142.24 3,482.87 15,368.04 3' 125.40 450.50 1,225.59 none none 400.42 none 132,704.13 LIABILITIES: Capital Stock.......................$ Surplus Fund...................... . Undivided Profits.................. Reserve Funds...------------------DDuiveidtoenBdsanUknsp..a-i-d--.-. -_-_-_-__-_-_-_-_-_-_-_-_-_--_-_ Cashiers Checks............ -------Certified Checks...... -------------Demand Deposits................. .. Time Certificates of Deposit....... Savings Deposits................... LeetxteecrsutoefdCforerdCituastnodmAercsc_e_p__t_a_n_c__es_ Bills Payable.-------------------- Notes and Bills Rediscounted..... Other Liabilities................... . 18,000.00 none none none none 16.00 843.56 none 44,676.63 46,650.44 13,357.50 none 5,000.00 4,160.00 none TotaL..............................$ 132,704.13 84 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF HOSCHTON Hoschton, Ga. As called for by the Superintendent of Banks. H. P. DeLAPERRIERE, B. F. WILSON, President. Cashier. Date of Charter: 5-~l-1904 Began Business: 5-4-1904 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned........ Banking House and Lot........... Furniture and Fixtures............ Other Real Estate owned.......... Cash in Vault and amounts due from a:t>:t>roved Reserve Agents.. Checks for Clearing and Due from other Banks.--------------------Cash Items.......................... Overdrafts (if any)................. Advance on Cotton and other Commodities--------------------Customers LiabilitY on Letters of Credit and Accevtances........ .. Profit and LOSS-------------------- Other Resources......... _......... _ TotaL.............................. $ 37,139.50 1,350.00 1, 700.00 2,095.50 10,000.00 41,060.67 none none none none none none 2,007.00 95,352.67 LIABILITIES: Cavital Stock.....----.............. Surolus Fund....................... Undivided Profits.................. Reserve Funds... -------------- ... .. D 1e to Banks..................... .. Dividends Un:t>aiosit------Savings Deposits------------------Letters of Credit and Accer>tances BielxlsecPuatyeadbfloer__C__u_s__t_o_m__e__r_s_------------------NOothteesr aLniadbBiliiltlisesR__e_d__is__c_o_u__n_t_e__d_._._._.._ 20,000.00 none 5,688.21 none none none 16.75 none 22,028.89 27,299.02 none none none none none TotaL ______________________________$ 75,032.87 STATEMENT Showing condition at the close of Business December 31, 1928, of the STATE BANK OF KINGSLAND Kingsland, Ga. As called for by the Superintendent of Banks. W. B. GODI.EY, T. F. TILLEH, President. Cashier. Date of Charter: 11-1912 Began Business: 12-10-1912 RESOURCES: Loans and Discounts--------------$ 58,987.82 Certificates of Indebtedness and Bonds and Stocks owned_______ _ 3,980.00 BF uarnnkiitnugr eHaonuds eFai xntdu rLeos _t -__-_-_-_-_-_-_-_-_- -_ Other Real Estate owned_________ _ 3,800.00 2,400.00 2.629.43 Cash in Vault and amounts due from approved Reserve Agents.. 34,199.96 Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 1,147.48 none 16.75 Advance on Cotton and other Co=odities.--------------------Customers LiabilitY on Letters of none Credit and AcceptanceS---------- none Profit and Loss--------------------- none Other Resources-------------------- - - -no-ne TotaL------------------------------- $ 107,161.44 J,IABILITIES: Capital Stock_______________________ $ Surplus Fund______________________ _ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaiosits_________________ _ Time Certificates of Deposit______ _ Savings Deposits------------------Letters of Credit and acceptances BielxlsePcuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted..... Other Liabilities-------------------- 15,000.00 5,000.00 3,676.81 none none none 2,333.23 none 58,514.09 2,350.00 20,167.33 nona none none 119.98 TotaL... ---- __ ---- ..... ____ --_._- ...$ 107,161.44 KINTH ANKlJAL REPORT 91 STATEMENT . Showing condition at the close of Business December 31, 1928, of the FARMERS & MERCHANTS BANK Kite, Ga. As called for by the Superintendent of Banks. J. M. JOHNSON, W. M. ANDERSON, President. Cashier. Date of Charter: 4-29-1927 Began Business: 5-2-1 9'27 RESOURCES: Loans and Discounts ______________ $ CeBrotinfidcsataensdoSf toIncdkesbotwednnedes._s__a__n_d_ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ Cash in Vault and amounts due from approved Reserve Agents._ Checks for Clearing and Due from C aost hh eIrt ebma ns_k_s_-_-_-_-_-_-_-_-_-__- _- _-_-_-_-_-_-_-_-_-_-_- -_ Overdrafts (if any) ________________ _ AdCvoan=coediotniesC__o_t_t_o__n___a__n_d____o_t_h__e_r C.lStomers Liability on Letters of PrCorfeitdaitnadnLdoAssc_c_e__p_t_a_n__c_e_s__________________ __ Other Resources.------------------- TotaL ______________________________ $ 17.067.43 none 2,000.00 2.162.15 none 8,099.67 376.19 none none none none 438.37 none :l0,143.8l LIABILITIES: Capital Stock.______________________ $ Surolus Fund______________________ _ Undivided Profits-----------------RDeuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ Dividends Unpaid-----------------Cashiers Checks ------------------Certified Checks-------------------TDiemmeaCnedrDtifeipcoasteitss-o-f--D--e-p--o-s-i-t-_-_-_-__-_--_ Savings Deposits __________________ _ Letters of Credit and Acceptances BielxlsePcuatyeadbfloer__C__u__s_t_o_m__e__r_s_------------------NOothtle!sr aLniadbBiliiltlisesR_e__d_i_s_c_o__u_n__t_e_d________ __ 15,000.00 none none none none none 190.01 none 14,563.75 390.05 none none none none none TotaL-----------------------------.$ 30,143.81 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF LAFAYETTE LaFayette, Ga. As called for by the Superintendent of Banks. W. A. ENLOE, J. M. PATTON, President. Cashier. Date of Charter: 1889 Began Business: 1899 RESOURCES: Loans and Discounts-------------- $ 412,331.68 Certificates of Indebtedness and Bonds and Stocks owned.______ _ Banking House and Lot __________ _ 12,500.00 26,561.28 FOuthrneirtRureeaal nEdstFatiextouwrensed--.-__-_-_-_-_-_-_--_ 5,764.59 40,115.62 Cash in Vault and amounts due from approved Reserve Agents.. 195,409.83 Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_--_ 4,827.47 3,803.45 14.81 Advance on Cotton and other Co=odities --------------------CuCsrteodmiterasnLdiAabciclietpYtaonnceLs e__t_t_e_r_s__o_ f_ 12,925.73 none POrtohfeitr aRnedsoLuOrcSeSs_-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-__ none none ---- TotaL------------------------------- $ 714.254.46 LIABILITIES: Ca,pital Stock_______________________$ Surolu~ Fund_____________________ _ Undivided Profits-----------------RDeuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_ DiVidends Unpaid-----------------Cashiers Checks-------------------Certified Checks-------------------Demand Deposits------------------Time Certificates of Deposit------Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable._--------------------Notes and Bills Rediscounted----Other Liabilities------------------- 60,000.00 60,000.00 15,897.69 5,635.09 none none 2,700.47 none 357,468.33 160,378.32 52,174.56 none none none none TotPL.- --. ___ ---- ............. -.. -..$ 714.254.46 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the WALKER COUNTY BANK LaFayette, Ga. As called for by the Superintendent of Banks. W. C. MARTIN, C. C. GILBERT, President. Cashier. Date of Charter: 10-191~~ Began Business: 11-1-1913 RESOURCES: Loans and Discounts--------------$ 174,558.67 Certificates of Indebtedness and Bonds and Stocks owned. ______ _ Banking House and Lot__________ _ Furniture and FixtUres___________ _ Other Real Estate owned.________ _ 5,357.42 18,371.44 3,282.17 4,478.65 Cash in Vault and amounts due from a1mroved Reserve Agents.. 59,710.20 Checks for Clearing and Due from CaosthheIrteBmasn_k__s_._-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-______ __ Overdrafts (if any) ________________ _ 7,047.78 none none AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__er_ 3,586.86 CuCsrteodmitearsnLdiAabciclietpYtaonnceLs_e_t_t_e_r_s___of_ none POrtohfeirt TotaL aRnedsoLuOrcSeSs_-_-_-_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-_--_ _______________________________ -$ none - -no-ne 276,393.19 LIABILITIES: Capital Stock_______________________ $ Surolus Fun LAGRANGE SAVINGS BANK LaGrange, Ga. As called for by the Superintendent of Banks. H. D. GLANTOJ\'", R. C. KEY, President. Cashier. Date of Charter: 12-1906 Began Business: 12-1906 RESOURCES: Loans and Discounts ______________ $ CeBrotinfidcsataensdoSf toI nckdse botwe dnneeds__s__a__n_d_ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ Cash in vault and amounts due from avproved Reserve Agents.. Checks for Clearing and Due from other Banks. ____ ---------------- COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoan=coediotniesC__o_t_t_o__n___a__n_d____o_t_h__e_r CPruCosrfteiotdmiatenradsnLLdoiAassbc_ic_le_i_vty_t_a_on_nc__eL_s__e___t_t__e___r__s_____o__f Other Resources-------------------- 659.192.91 793,501.33 none none 158,601.59 4.663.54 355.58 72.64 none none none none 2,397.33 TotaL ______________________________ $ 1,618,784.92 LIABILITIES: Cavital Stock._____ ------- __ ---- ____ $ Surplus Fund----------------------RUensdeirvviedeFdunPdrosf_i_t_s_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_--_ DDiuveidteonBdsanUkns-p-a-i-d--_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ CCaesrthiifeierds CChheecckkss-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Demand Devosits__________________ _ Time Certificates of Devosit______ _ Savings Deposits __________________ _ Letters of Credit and Accevtances BielxlsecPuatyeadbfloer__C__u__s_t_o_m__e__r_s_-_----------------Notes and Bills Rediscounted----Other Liabilities-------------------- 25,000.00 150,000.00 99,128.31 71,582.78 18,526.71 none none none none 359,867.87 874,606.55 none 20,000.00 none 72.70 TotaL ______________________________ $ 1,618,784.92 STATEMENT Showing condition at the close of Business December 31, 1928, of the FARMERS & MERCHANTS BANK J"akeland, Ga. As called for by the Superintendent of Banks. W. L. MILLER, W. C. BANKS, President. Cashier. Date of Charter: 4-18-1907 Began Business: 1907 RESOURCES: Loans and Discounts--------------$ CeBrotinfidcsataensdoSf toInckdsebotwednneeds__s__a__n_d_ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned.________ _ Cash in vault and amounts due from avproved Reserve Agents.. Checks for Clearing and Due from other Banks----------------------Cash Items-------------------------Overdrafts (if anYl----------------AdCvoan=coediotniesc__o_t_t_o__n___a_n__d____o_t_h__er_ Customers LiabilitY on Letters of Credit and Acceotances.--------- Profit and LOSS--------------------Other Resources.------------------- TotaL _______________________________ $ 126,484.00 3,750.00 2,167.00 3,434.99 12,375.92 27,615.05 173.34 195.89 none none none none none 176,196.19 LIABILITIE3: Caoital Stock.______________________ $ Surplus Fund_____________________ _ Reserve Funds---------------------DUnudeitvoidBeadnPkrso_f_i_t_s_._-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_ Dividends Unoaid_________________ _ CCaesrthiifeiersd CChheecckkss-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Demand Devosits__________________ _ Time Certificates of Devosit.-----Savings Devosits------------------Letters of Credit and Acceotances BielxlsecPuatyeadbfloer__C__u_s__to__m__e_r_s__-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted..... Other Liabilities ------------------ 25,003.00 5,003.00 758.31 none none 66.00 12,061.82 none 85,864.08 38,395.19 4,925.45 none none 4,125.34 none TotaL _______________________________ $ 176,196.~ 94 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business D;ecemher 31, 1928, of the LAKE PARK BANK Lake Park, Ga. As called for by the Superintendent of Banks. EWELL BROWN, E. W. MASON, President. Cashier Date of Charter: 1-22-1906 Began Business: 3-1906 RESOURCES: Loans and Discounts--------------$ 36,944.10 CeBrotinfidcsataensdoSftoInckdsebotwednende.s..s__a__n_d_ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate owned_________ _ 1,410.00 2,000.00 1,500.00 none Cash in Vault and amounts due from approved Reserve Agents__ 4,354.13 Checks for Clearing and Due from other Banks---------------------- none COavsehrdIrtaefmtss(-i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none 9.59 AdCvoamncmeodoitniesC__o__tt_o__n___a__n_d____o_t_h__e_r none CuCsrteodmiterasnLdiAabciclietpYtaonnceLs_e_t_t_e_r_s___of_ none POrtohfeirt aRnedsoLurocsess-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none none TotaL _______________________________ - $ --46,217.82 LIABILITIES: Capital Stock______________________ $ surolus Fund.._____________________ _ Undivided Profits-----------------Reserve Funds---------------------DDiuveidteonBdsanUknsp--a-i-d-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Cashiers Checks-------------------Certified Checks-------------------TDSaiemvmienagCnsdeDrDtiefepipcooastsietistss_o-_-_f-_-D_-_-e_-_p-_o-_-s_-i_-t_-__-__-___-__-__--__ Letters of Credit and Acceptances executed for Customers---------BNOiotlhtlesesrPaLanyiaadbbBilleiilt-li-se-s-R_-_-e_-d_-_i-s_-_c-_-o_-u_-_-n_-t_-e_-_d-_-___-__-__-__ 15,000.00 4,500.00 1,282.54 none none none 115.93 none 15,869.35 2,950.00 none none 6,500.00 none none TotaL-------------------------------$ 46,217.82 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE BRAND BANKING CO, Lawrenceville, Ga. As called for by the Superintendent of Banks. C. H. BRAND, G. C. MONTGOMERY, President. Cashier Date of Charter: 6-2-1905 Began Business: 7-17-1905 RESOURCES: Loans and Discounts ______________ $ CeBrotinfidcsataensdoSf toI ncdkse botwe dnnede s__s__a__n_d_ BF uarnnkiitnugr eHaonuds eFaixntdurLeos _t-__-_-_-_-_-_-_-_-_--_ Other Real Estate owned..________ _ Cash in Vault and amounts due from apvroved Reserve Agents._ Checks for Clearing and Due from COaovsethhrdeIrtraeBfmtassn_(k_i_fs_-a_-_n-_-y_-_)-__-__-_--_--_--_--_--_--_--_--_--_--_--_--_--_----_ AdCvoamncmeodoitniesc__o_t_t_o__n___a_n__d____o_t_h__e_r CPruCosrfteiotdmaitenradsnLLdoiAasbsc_cil_ei_vt_tYa_;_r_o:l_Cn__e_Ls._.e___t_t__e___r___s____o__f Other Resources..------------------- 267 '721.01 288,346.39 none 2,800.00 34,752.29 443,039.87 none 7,172.39 350.00 8,095.14 none none none TotaL------------------------------$ 1,052,277.09 LIABILITIES: CSuarvoitlauls Stock______________________ FUIJ.cj_ ____________________ .$ _ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unvaid..----------------Cashiers Checks-------------------CDeermtiafinedd DCehveocskists-_-_--_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Time Certificates of Devosit.. ____ _ Savings Devosits.. ____ ------------Letters of Credit and Accevtances B,eilxlsecPuatyeadbfloer__C__u_s__to__m__e_r_s__-_-_-_-_-_-_-_-_--_ NOothteesr aLniadbiBliitilelss.R...e_d__i_s_c_o_u__n_t_e_d_._._._._.._ 50,000.00 50,000.00 50,833.24 none none none 223.98 none 499,769.31 none 401,450.56 none none none none TotaL ______________________________ $ l ,052,277.09 NINTH ANNUAL REPORT 95 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF LEARY Leary, Ga. As called for by the Superintendent of Banks. W. D. JORDAN, B. B. SHEPARD, President. Cashier. Date of Charter: 6-1909 Began Business: 9-1909 RESOURCES: Loans and Discounts-------------- $ Certificates of Indebtedness and Bonds and Stocks owne----------------- none Advance on Cotton and other Commodities.--------------------- none Customers LiabilitY on Letters of Credit and Accevtances.......... none Profit and Loss.-------------------- none Other TotaL Resources-------------------_______________________________ -$ -80-,698943-..8141 LIABILITIES: Cavital Stock.------------------- $ Survlus FuncL--------------------Undivided Profits-----------------Reserve Funds---------------------Due to BankS----------------------Dividends Unvaid-----------------Cashiers Checks-------------------Certified Checks-------------------Demand DevositS...----------------Time Certificates of Devosit...... Savings Devosits...---------------Letters of Credit and Accevtances BielxlsePcuatyeadbfloer__C__u_s_t_o_m__e__r_s_._..___..__.___ Notes and Bills Rediscounted..... Other Liabilities..... ------------- 15,000.00 none 1,092.88 none none none 722.97 none 39,552.70 9,31ti.26 none none 15,000.00 none none TotaL-------------------------------$ 80,684.& NINTH ANNUAL REPORT 101 STATEMENT Showing condition at the close of Business December 31, 1928, of the FARMERS STATE BANK Lumpkin, Ga. As called for by the Superintendent of Banks. E. L. CARTER, A. T. FORT, President. Cashier. Date of Charter: 10-21-11 Began Business: 12-1911 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned..------Banking House and Lot----------FOuthrneirtRureealaEndstFatiextouwrense-d-.-._-_-_-_-_-_-_-_--_ Cash in Valllt and amounts due from avvroved Reserve Agents._ Checks for Clearing and Due from CaosthheItreBmas.n._k_s_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_--_ Overdrafts (if any)________________ _ Advance on Cotton and other CuCCsorteomdmmiteoarsdniLdtiieAasbc-ic-l-iet-vY-t-a-on--nc-e-Ls--_e-_t_-t_-e_-r_-s_-_-o_--_f Profit and LOSS--------------------Other Resources..------------------TotaL.____________________________ $ 106,962.18 5,000.00 6,000.00 6,853.80 1,779.00 25,009.78 1,172.33 340.12 2,533.77 15,033.67 none none 12,610.16 133,294.81 LIABILITIES: Cavital Stock.----------------------$ Surolus Fund---------------------Undivided Profits-----------------Reserve Funds---------------------Due to BankS..---------------------Dividends Unpaid..----------------Cashiers Checks-------------------Certified Checks..------------------TDiemmeaCnderDtifeipcoasteitsSo...f.-D--e-p--o-s--it-.-.-.-.-.--.-. Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted...... Other Liabilities...------------------ 28,000.00 10,000.00 2,067.03 13,980.92 none none 5,704.89 none 73,715.27 39,145.42 6,181.28 none 4,500.00 none none TotaL-------------------------------$ 133,294.81 STATEMENT Showing condition at the close of Business December 31, 1928, of the LUTHERSVIJ.,LE BANKING CO. Luthersville, Ga. As called for by the Superintendent of Banks. E. P. HURST, L. W. McKOON, President. Cashier. Date of Charter: 8-11-1905 Began Business: 8-3-1906 RESOURCES: Loans and Discounts--------------$ 49,130.58 Certificates of Indebtedness and Bonds and Stocks owned........ . 45.00 Banking House and Lot---------- 1,700.00 FOut hr neirtRu reealaEn ds t aFtiextouwrense-d-.-. _-_-_-_-_-_-_-_--_ 850.00 9,159.00 Cash in Vault and amounts due from approved Reserve Agents.. 5,255.06 Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 80.00 none 360.85 Advance on cotton and other Commodities---------------------Customers LiabilitY on Letters of Credit and Acceptances.......... . 4,380.12 none Profit and LosS..-------------------- none - - - - Other Resources.------------------- none TotaL-------------------------------$ 70,960.61 LIABILITIES: CSuarpoiltuals SFtuo.ncdk..-.-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-$ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid..----------------Cashiers Checks-------------------Certified Checks-------------------Demand DepositS-----------------Time Certificates of Deposit...... . Savings Deposits------------------Letters of Credit and Acceptances BielxlsePcuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted.... Other Liabilities------------------- 25,000.00 11,000.00 1,911.39 none none none 204.40 none 27,843.54 4,001.28 none none 1,000.00 none none TotaL-------------------------------$ 70,960.61 102 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the TOOMBS COUNTY BANK Lyons, Ga. As called for by the Superintendent of Banks. W. A. McNATT, W. T. CHINA, President. Cashier. Date of Charter: 12-22-1905 Began Business: 1-5-1906 RESOURCES: Loans and Discounts ______________ $ CeBrotinfidcsataensdoSf toIncdkes botwednneeds. _s__a__n_d_ Banking House and Lot__________ _ FOuthrneirtuRreealanEdstFatiextouwrense-d--.-_-__-_-_-_-_-_--_ Cash in vault and amounts due from approved Reserve Agents-_ Checks for Clearing and Due from other bankS..---------------------COavsehrdIrtaefmtss(-i-f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advance on Cotton and other Commodities---------------------Customers LiabilitY on Letters of Credit and Acceptances..--------Profit and LosS..-------------------Other Resources..------------------- TotaL.........--------------- $ 178,194.58 7,100.86 9,000.00 3,119.98 6,334.18 28,081.21 1,346.23 36.75 none none none none 152,000.00 385,213.79 LIABILITIES: Capital Stock.. --------------------$ Surplus Funproved Reserve Agents 54,421.29 Checks for Clearing and Due from other Banks.--------------------- 61.87 COavsehrdIrtaefmtss-(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none 487.84 Advance on Cotton and other Co=odities---------------------Customers LiabilitY on Lettersof 502.69 Credit and Accei>tances... _____ _ none Profit and LOSS------------------ none Other Resources.. ----------------- - - -no-ne TotaL--------------------------$ 439,658.78 LIABILITIES: Cai>ital Stock..-----------------$ Surplus Fund..-------------------- Undivided ProfitS-----------------Reserve Funds.------------------- Due to Banks----------------------Dividends Unpaid.....------------ Cashiers Checks-------------------Certified Checks-------------------Demand Dei>ositS-----------------Time Certificates of Dei>osit..____ _ Savings Dei>ositS------------------Letters of Credit and Acceptances B ielxl sePcuatyeadbfloer__C__u_s_t_o_m__e__r_s_._._._._._._._._. ._ Notes and Bills Rediscounted...... Other Liabilities------------------ 100,000.00 75,000.00 511.60 none none 830.00 756.43 none 1Z3,783.77 23,050.05 115,726.93 none none none none TotaL.-----------------------------$ 439,658.78 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF MANCHESTER Manchester, Ga. As called for by the Superintendent of Banks. C. V. TRUITT, D. H. SMITH, President. Cashier. Date of Charter: 1-28-1910 Began Business: 2-2-1910 RESOURCES: Loans and Discounts--------------$ 354,083.39 Certificates of Indebtedness and Bonds and Stocks owned....... 13,137.00 Banking House and Lot........ 10,916.10 Furniture and Fixtures......... none Other Real Estate owned........... 3,967.08 Cash in Vault and amounts due from approved Reserve Agents. 160,148.40 Checks for Clearing and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_--_ Overdrafts (if any) ________________ _ 38.00 1,759.98 932.73 Advance on Cotton and other. CommoditieS.-------------------- Customers Liability on Letters of Credit and Acceptances.... _____ _ 5,246.37 none Profit and LOSS.--------------- none Other Resources.---------------- - - -52-.33 TotaL------------------------------$ 550,281.38 LIABILITIES: Capital Stock.----------------------$ Surplus Funaid.----------------Cashiers Checks-------------------Certified Checks.------------------TDiemmeaCnedrDtifeiic>aotseitss.o.-f-D--e-i->-o-s-i-t-.-.-.-.-..-. Savings DepositS------------------Letters of Credit and Accei>tances BielxlsePcuatyeadbfloe.r._C_u__s_t_o_m__e__rs__._._._._._._._._. ._ Notes and Bills Rediscounted...... Other Liabilities.... -------------- 50,000.00 50,000.00 18,465.77 none none 2,520.00 3,986.70 216.42 188,025.64 56,696.89 167,359.76 none none none 13,010.20 Total......... ------------------$ 550,281.38 108 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 3I, I928, of the THE CITIZENS BANK Marietta, Ga. As called for by the Superintendent of Banks. J. R. FOWLER, FRED LEGG, President. Cashier. Date of Charter: 1-21-1924 Began Business: 2-2-1924 RESOURCES: Loans and Discounts-------------- $ 430,549.31 Certificates of Indebtedness and Bonds and Stocks owned..------- 9,755.17 Banking House and Lot----------- none FUrniture and Fixtures------------ 6,300.00 Other Real Estate owned..--------- none Cash in Vault and amounts due from approved Reserve Agents-- 79,198.G9 Checks for Clearing and Due_from other bankS..---------------------- 8,651.78 COavsehrdIrtaefmtss.(.i-f-a--n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 1,208.32 none AdCvoa=ncoeditoines.C._o__t_to__n___a__n_d____o_t_h__e_r none Customers LiabilitY on Letters of Credit and Acceptances---------- none Profit and LOSS--------------------- none Other Resources-------------------- - - -no-ne TotaL-------------------------------$ 535,662.67 LIABILITIES: Capital Stock.---------------------- $ Surplus Funlus Funlus Fund---------------- 50,000.00 Undivided Profits------------------ 9,694.10 RDeuseertvoeBFaunnkdss.-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_-_--_ none none Dividends UniJai--o-s-i-t.-.-.-_-__--_ Savings Dei>osits------------------Letters of Credit and Accevtances executed for Customers---------BNioltles sPaanyda bBl eil-l-s- -R-e- -d-i-s-c-o- -u-n-t-e-d- -.-. .-- . Other LiabilitieS-.---------------- 15,000.00 none 1,720.51 none none none 361.42 none 37,386.00 30,966.58 none none 13,000.00 none 352.66 Total..------------------------------$ 98,787.17 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF MONROE Monroe, Ga. As called for by the Superintendent of Banks. J. R. RADFORD, J.P. ADAMS, President. Cashier. Date of Charter: 12-30-1890 Began Business: 4-2-1891 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned..------Banklng House and Lot----------Furniture and Fixtures-----------Other Real Estate owned..--------Cash in Vault and amounts due from avvroved Reserve Agents.. Checks for Clearing and Due from CaostheItreBmas_n_k_s_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ Overdrafts (if any) ________________ _ Advance on Cotton and other Commoditles.--------------------Oustomers LiabilitY on Letters of Credit andAcce:tltances. --------Profit and LOSS--------------------Other Resources.------------------- 392,222.72 93,150.00 none 2,500.00 29,299.11 191,935.62 6,246.26 739.18 none 56,827.07 none none 63,495.31 TotaL------------------------------$ 836,415.27 LIABILITIES: Cai>ital stock.---------------------.$ Survlus Fund---------------------Undivided Profits-----------------Reserve Funds---------------------Due to BankS----------------------Dividends Uni>aid..----------------Cashiers Checks-------------------Certified CheckS-------------------Demand Devosits-----------------Time Certificates of Devosit.-----Savings Dei>osits------------------Letters of OrOOit and Accei>tances executed for Customers---------Bills Payable._--------------------Notes and Bills Rediscounted.. Other LiabllitieS------------------- 150,000.00 75,000.00 19,460.95 4,506.74 none 7,638.00 995.3,1 512.07 480,796.75 70,277.97 27,227.48 none none none none Total.. ------- _________ . ____________$ 836,415.27 NINTH ANNUAL REPORT 117 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE FARMERS BANK Monroe, Ga. As called for by the Superintendent of Banks. J. M. NEWELL, C. R. BRADFORD, President. Cashier. Date of Charter: 12-2-1905 Began Business: 1-1-1906 RESOURCES: Loans and Discounts..____________ $ Certificates of Indebtedness and BaBnoknidnsgaHnoduSsteoacnksd oLwont_e_d_._._-_-_-_-_-_--_ OFuthrneirtRureealaEndstaFtiextoUwrense-d-.-_-_-_-_-_-_-_-_--_ Cash in Vault and amounts due from approved Reserve Agents. Checks for Clearing and Due from COaovstehhrdeIrtreaBfmtassn_(k_i_fs_a._-_n--y---)---_--_--_--_--_--_--_--_--__--_--_--_--_--_-___--__ Advance on Cotton and other CPruCCosorfteiomtdmmaitenoardsdniLLdtioieAasssbc-.i-c_l-e_i-_pt-_yt-_a-_o-n_-nc_-_e-L_s-_-_e_-__t-_t_-_e__-_r_-_s_-__-o__--__t Other Resources.------------------- 376,121.35 188,938.44 none 6,624.00 29,465.29 153,055.96 1,273.07 131.24 none 5,206.22 none none 44,146.00 TotaJ___ ----------------------------- $ 804,961.57 LIABILITIES: Capital Stock.______________________ $ Survlus Fund._____________________ _ Undivided Profits-----------------Reserve Funds---------------------Due to BankS----------------------Dividends Unpaid..----------------Cashiers Checks-------------------Certified CheckS-------------------TDiemmeaCnedrDtifeipcoatseitsSo-f--D--e-p-o--s-i-t.-.-.-__-_-_--_ Savings Deposits------------------Letters of Credit and Acceptances BielxlsecPuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted----Other LiabilitieS.------------------- 100,000.00 30,000.00 13,901.39 none none none 38.05 356.18 507,812.52 35,94li.07 77,608.36 none none none 39,300.00 TotaL------------------------------$ 804,961.57 STATEMENT Showing condition at the close of Business December 31, 1928, of the MONTROSE BANKING COMPANY Montrose, Ga. As called for by the Superintendent of Banks. W. G. THOMPSON, JIM BRADLEY, President. Cashier. Date of Charter: 9-4-1911 Began Business: 9-4-1911 RESOURCES: Loans !Pld Discounts-------------- $ 29,830.34 Certificates of Indebtedness and Bonds and Stocks owned.---- Banking House and Lot----------Furniture and FixtUres-----------Other Real Estate owned..--------Cash in Vault and amounts due from approved Reserve Agents. Checks for Clearing and Due from 266.75 2,500.00 2,524.78 none 9,714.07 other Banks.--------------------Cash Items...---------------------Overdxafts (it anYl----------------Advance on cotton and other CuCsotommmeorsdiLtiieaSbi-l-i-t-i:-_--o--n--L--e-t-t-e-r-s--o--t Credit and Acceptances.......... 1,336.39 318.41 55.37 none none Profit and LosS.-------------------Other Resources.------------------- none 158.96 --~- TotaL------------------------------$ 46,705.07 LIABILITIES: Capital Stock._____ ------------- ____$ Survlus Funr>roved Reserve Agents. 3,024.66 Checks for Clearing and Due from other banks----------------------- 67.95 COavsehrdIrtaefmtsS(-i-f-a--n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 144.36 77.41 Advance on Cotton and other commodiltieg___ _._____ ~------------ 7,593.29 CuCsrteodmitearsnLdiaAbcicl1erti>"t.aoncnegL_e_t_t_e_r_s__o_ _f none Profit and LOSS--------------------- none Other ~sourceS-------------------Total------------------ ______________ - $ - -no-ne 43,990.69 LIABILITIES: 0S!U!-IrI>>liUtaSl SFtuonck(L.__________________-_-_-_-_-_-_--_-_-_-_-_-_$ Undivided Profits-----------------Reserve Funds---------------------Due to Ba.nks..---------------------Dividends Unooid.----------------Calshiers Checks ------------------Certified CheCkS-------------------TDiemmeaCnderDtifeirc>aotessitso-f--D-e-r->-o--s-it-_-_-_-_-_-_--_ LSaevttienrgssoDf Cerr>eodsiittas-n-d---A--c-c-e-r->--ta--n-c-e-sBielxlsePcuat;yedabfloer..C__u__s_t_o_m__e__r_s_-_-_-_-_-_-_-_-_--_ Notes 11.nd Bills Rediscounted----Other Liabilities------------------- 15,000.00 none 1,419.15 none none none 289.31 none 14,589.47 4,247.61 195.15 none 8,250.00 none none TotaL-------------------------------$ 43,990.69 STATEMENT Showing condition at the close of Business December 31, 1928, of the MOULTRIE BANKING CO. Moultrie, Ga. As called for by the Superintendent of Banks. W. C. VEREEN, M. L. LEE, President. Cashier. Date of Charter: 7-8-1896 Began Business: 1896 RESOURCES: Loans and Discounts--------------$ 1.993,130.05 Certificates of Indebtedness and Bonds and Stocks owned.______ _ Banking House and Loll;__________ _ 10,855.00 77,918.02 FOuthrneirtRureealaEndstaFtiextouwrensed--._-_-_-_-_-_-_-_--_ 25,082.10 125,683.21 Cash in Vault and amounts due from approved Reserve Agents.. 259,089.15 Checks for Clearing and Due from CaosthheIrteBmasn_k__s_._-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_________ __ Overdrafts (if any) ________________ _ 37,050.56 6,194.08 7.69 Advance on Cotton and other Commodities---------------------CuCsrtoemdi-tearsnLd iAabcicleiWptaonnceLs_e_t_t_e_r_s___of_ 70,443.70 none TPOrotohtfeaitrLaR_n_e_ds_o_Lu_O_rc_S_e_Ss__-__-__-__-__-__-__-_-__-__-__-_-__-__-__-__-__-__-__-__-_-_-$ 2,-605,-4nn5oo3-.nn5ee6 LIABILITIES: Cat>ital Stock._______________ -------$ Sur:plus Funaid.----------------Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifei:cta>toessitosf--D--e-:-p-o--s-i-t_-_-_-_-_-_--_ Savings De:posits------------------Letters of Credit and Acce:ptances executed for Customers---------Bills PaY!!.ble. _--------------------Notes and Bills Rediscounted... Other LiabilitieS-------------------- 200,000.00 250,000.00 13,485.50 17,036.99 none none 7,734.19 100.00 917,779.97 783,179.68 292,347.55 none none none 2,416.68 TotaL. _______ ----------------- _____ $ 2, 605,453.56 NINTH ANNUAL REPORT 119 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF MT. AIRY Mt. Airy, Ga. As called for by the Superintendent of Banks. C. GRESHAM, R.I. THOMPSON, President. Cashier. Date of Charter: 7-!W-1911 Began Business: 8-1911 RESOURCES: Loans and Discounts.----------- $ Certificates of Indebtedness and Bonds and Stocks owned....... Banking House and Lot.......... 32,136.19 none 2,017.77 Furniture and Fixtures-----------Other Real Estate owned.--------Cash in vault and amounts due from approved Reserve Agents.. 2,070.00 none 6,636.46 Checks for Clearing and Due from CaosthheIrteBmasn..k_s__-_-_-__-_-_-__-_-_-_-_-_-__-_-_-_-_-_-_ Overdrafts (if any) ________________ _ 230.89 1.069.11 none Advance on Cotton and other Commodities---------------------Customers Liability on Letters of Credit and Acceptances.,_________ 770.91 none Protit and LOSS--------------------- 1,190.51 Other Resources..------------------- - - -721-.69 TotaL------------------------------ $ 46,842.53 LIABILITIES: Capital Stock.______________________ $ Surplus Fund..--------------------Undivided Profit -----------------Reserve Funds---------------------Due to BankS..---------------------Dividends Unpaid.----------------Cashiers Checks-------------------Certified Checks..------------------Demand Deposits-----------------Time Certificates of Deposit------Savings Deposits------------------Letters of Credit and Acceptances BielxlseP cuatye~dbl foer__C__u_s__to__m__e_r_s__-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted..... Other Liabilities-------------------- 15,000.00 none none none none none 39.29 none 17,083.41 14,719.83 none none none none none TotaL_______________________________$ 46,842.53 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE MOUNT VERNON BANK Mount Vernon, Ga. As called for by the Superintendent of Banks. WILLIE T. McARTHUR, W. A. PETERSON, President. Cashier. Date of Charter: 12-SH-1900 Began Business: 1-~4-1901 RESOURCES: Loans and Discounts-------------$ Certllicates of Indebtedness and Bonds and Stocks owned.------Ba,nking House and Lot----------FOuthrneirtRureealaEndstaFtiextouwrense-d-_-_-_-_-_-_-_-_-_-_ Cash in Vault and amounts due from approved Reserve Agents._ Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss.(-i-f-a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__e_r Customers LiabilitY on Letters of Credit and Acceptances........ POrtohfeirt aRnedsoLuOrcSeSs_-_-_-_--_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ TotaL------------------------------$ 155,972.25 37,700.00 5,962.80 2,377.43 9,089.96 134,210.76 none 75.00 6.81 none none none none 345,395.01 LIABILITIES: Capital Stock.----------------------$ Surplus Fund.---------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks---------------------- Dividends Unpaid.----------------Cashiers Checks-------------------CDeermtiafinedd DCehpeocskists--_-_-__-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ TSaimviengCserDtiefpicoastietss_o__f_D__e__p_o_s_i_t_-_-_-_-_-_--_ Letters of Credit and acceptances BielxlsecPuatyeadbfloer__C__u__s_t_o_m__e__r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted..... Other Liabilities------------------- 15,000.00 30,000.00 15,389.46 15,000.00 none 1,500.00 1.104.95 none 166,041.75 70,659.55 30,699.30 none none none none Total--------------------------------$ 345,395.01 1 H!O DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the THE FIRST BANK OF NASHVILLE Nashville, Ga. As called for by the Superintendent of Banks. L. A. CARTER, J. W. E. POWELL, President. Cashier. Date of Charter: 2-10-1917 Began Business: 3-1-1917 RESOURCES: Loans and Discounts--------------$ 446,524.43 CeBrotinfidcsataensdoSf toIncdkes botwednende.s. _s__a__n_d_ none Banking House and Lot----------FUrniture and FixtUres-----------Other Real Estate owned--------Cash in vault and amounts due 2,811.15 2,512.18 12,201.48 from ai>I>roved Reserve Agents.. 79,869.87 Checks for Clearing and Due from other Banks---------------------cash Items..----------------------Overdrafts (If anYl----------------Advance on Cotton and other 4,321.67 51.45 3,975.95 OucCsroteomdmmiteoarsdniLdt!ieAasbc.l.cl-ei-ti->Y-t-a-on-n-c-e-Ls-.-e..-t_-t_-e_-r_-_s-_-o_--_t none none - - - - Profit and LosS--------------------- Other Resources...------------------ none none TotaL------------------------------ $ 552,268.18 LIABILITIES: CSUaiI>I>itlaU1s SFtuoncdk....._.__-_--_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_$ Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Uni>aid..----------------cashiers checks-------------------Certified CheckS-------------------Demand Dei>OSitS-----------------Time Certificates of Dei>osit...... LBSaeielvtxltiseencPrgsuastYoeDfdaeCbfilo>reer_od_sC_ii_ttus_as_-tn-_o-_d-m_-_A-e_-_rc-_s-c_-_e_-_i_-_>__-t__-a__-n__-c__-_e_--s__ Notes and Bills Rediscounted.... Other Liabllities...... -------- __ --- 25,000.00 40,000.00 2,803.62 none none 136.00 5,495.74 64.95 164,533.29 297,727.04 none none none 16,537.54 none TotaL------------------- ___________$ 552,268.18 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE UNITED BANKING CO. Nashville, Ga. As called for by the Superintendent of Banks. E. P. ROSE, }!. L. HOWARD, President. Cashier. Date of Charter: 7-1924 Began Business: 7-15-1924 RESOURCES: Loans and Discounts-------------- $ 104,703.86 Certificates of Indebtedness and Bonds and Stocks owned-------Banking House and Lot----------Furniture and FixtUres-----------other Real Estate owned..--------- none 4,882.27 2,790.00 none Cash in Vault and amounts due from avi>roved Reserve Agents. 17,547.81 Checks for Clearing and Due from other Banks---------------------Cash Items...-----------------------Overdrafts (If allYl----------------Advance on Cotton and other 1,233.03 none 1,935.52 OuCsotommmeorsdiLtiieasb-l-l-i-t-y--o--n--L--e-t-t-e-r-s--o--f none Credit and Accevtances..--------- none Profit and LOSS--------------------Other Resources..----------------- - - none -no-ne Total--------------------------------$ 133,092.49 LIABILITIES: Cai>ita1 Stock.______________________$ SUII>lUS Fund......----------------Undivided ProfitS-----------------DReuseertvoeBFaunnkds.s.-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_--_ Dividends Uni>aid..----------------Cashiers Checks-------------------Certified CheckS-------------------Demand Dei>osits-----------------Time Certificates of Dei>osit------Sav!ngs Dei>ositS------------------Letters of Credit and accevtances executed for Oustomers---------Bills PaYablEL---------------------Notes and Bills Red!scounted..---Other Liabllit!es.......... 25,000.00 4,000.00 3,946.15 none none none 283.34 none 55,407.95 44,455.05 none none none none none Total--------------------------------S 183,092.49 l NINTH ANNUAL REPORT 121 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF NEWINGTON Newington, Ga. As called for by the Superintendent of Banks. FRANK H. CONNOR, FRED E. WILLIAMS, President. Cashier. Date of Charter: 7-7-1919 Began Business: 8-14-1919 RESOURCES: Loans and Discounts-------------- $ 8,307.64 CeBrotinfidcsataensdoSf toIncdkes botwednnedes. _s__a__n_d_ 3,200.00 BFuarnnkiitnugreHaonudseFaixntdurLeos_t_-_-_-_-_-_-_-_-_-_--_ Other Real Estate ownecL. ________ 2,479.38 1,639.40 1,279.21 Cash in Vault and amounts due from avvroved Reserve Agents.. 17,155.37 Checks for Clearing and Due from COaovsethhrdeIrrtaebfmtasns_(k_iSf__-a_-n_-_y-_-)_-__-__-__-__-__-_--_--_--_--_--_--_--_--_--_--_----_ 8.500.54 none 1.05 Advance on Cotton and other CuCsotommmeorsdiLtiieasb-i-l-i-t-y--o--n--L--e-t-t-e-r-s--o--f none Credit and Accevtances..--------- none Profit and LOSS--------------------- none Other Resources..------------------- - - -no-ne Tota.L---- _-- _----------------------- $ 42,562.59 LIABILITIES: Cavital Stock.----------------------$ Surv1us FUnd---------------------Undivided ProfitS-----------------Reserve FUnds---------------------Due to BankS----------------------Dividends UnvaicL----------------Cashiers Checks ------------------Certified CheckS..-----------------Demand DevositS-----------------Time Certificates of Devos1L----LSaevttienrgssoDf Cevreodsiittsa. n__d--A--c-c-e--v-t-a-n-c-e--s BielxlsecPuatYedabfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscounted.. Other LiabilitieS------------------- 15,000.00 none 1,768.52 none none none 174.72 none 19,396.52 6.210.23 12.60 none none none none Total-------------------------------- $ 42,562.59 STATEMENT Showing condition at the close of Business December 31, 1928, of the NEWNAN BANK & TRUST CO. Newnan, Ga. As called for by the Superintendent of Banks. H. 0. ARNALL, Jr., H. W. ARNALL, President. Cashier. Date of Charter: 11-11-1889 Began Business: 1894 RESOURCES: Loans and Discounts-------------- $ CeBrotinfidcsataensdoSftoIncdksebotwednnede-s_s__a__n_d_ Banking House and Lot---------- FOut hr neirtRu reealaEn ds t aFtiextouwrensed-.-.-. _-_-_-_-_-_-_--_ Oash in Vault and amounts due from avvroved Reserve Agents Ohecks for Oleartng and Due from other Banks---------------------Cash Items..------------------------ Overdrafts (if anY>----------------ACdvoamnmceodoitnies.C..o.t_t_o_n__ a _nd ___o_t_her CuOsrteodmitearsnLdiAabcicleivtytaoncneLs..e.t_t_e_r_s__o_ _f Profit and LOSS..------------------Other Resources..------------------ Total--------------------------- $ 579,241.52 1,100.00 none 7,500.00 none 96,233.87 9,399.32 174.51 807.88 none none none 1,041.05 695,498.15 LIABILITIES: Oavital Stock.--------------------$ Survlus FUn 13,972.80 16,211.23 none none none none TotaL....... _-------------------.- ..$ 183,547.44 NINTH ANNUAL REPORT 123 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF OCHLOCKNEE Ochlocknee, Ga. As called for by the Superintendent of Banks. W. H. WURST, A. E. SPEER, President. Cashier. Date of Charter: 1Q-19-1906 Began Business: 11-1906 RESOURCES: Loans and Discounts............ $ 50,359.99 Certificates of Indebtedness and Bonds and Stocks owned....... none Banking House and Lot......... 2,144.70 Furniture and Fixtures......... 2,500.00 Other Real Estate owned.......... 2,776.87 Cash in Vault and amounts due from approved Reserve Agents. 13,195.25 Checks for Clearing and Due from CaosthheIrteBmasn..k.s...-.-.-.-..-.-.-.-.-.--.-.--.-.-.--.-.-- none none Overdrafts (if anY).............. none Advance on Cotton and other Commodities..................... 1,178.35 Customers LiabilitY on Letters of Credit and Acceptances.......... none Profit and Loss..................... none Other Resources.................... - - -125-.oo Total............................... $ 72,280.66 LIABILITIES: Capital Stock....................... $ Surplus Funtanoos BielxlsecPuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ Notes and Bills Rediscountelus Funr: 1889 Began Business: 1889 RESOURCES: Loans and Discounts--------------$ Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnkds oLwont_e_<_L__-_-_-_-_-_--_ Furniture and Fixtures-----------Other Real Estate owned.. -------Cash in Vault and amounts due from a:o:oroved Reserve Agents.. Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advance on Cotton and other Commodities.------------------Customers Liability on Letters of Credit and Acce:otances.--------Protit and LOSS-------------------- Other Resources------------------- TotaL------------------------------- $ 101.383.03 none 5,000.00 2,500.00 none 85,066.52 997.96 none 9.21 11,461.82 none 3,000.00 none 209.418.54 LIABILI riES: Ca:oital Stock.______________________ $ Sur:olus Fun PITTS BANKING CO. Pitts, Ga. As called for by the Superintendent of Banks. L. 0. BENTON, A. C. SHELL, President. Cashier. Date of Charter: 6-2-1906 Began Business: 6-1906 RESOURCES: Loans and Discounts .............. $ 35,939.34 Certificates of Indebtedness and Bonds and Stocks owned...... Banking House and Lot........... Furniture and Fixtures........... Other Real Estate owned.......... Cash in Vault and amounts due from avvroved Reserve Agents.. Checks for Clearing and Due from other Banks.................... COavsehrdIrtaemftss..(.i.f.a..n.y..)._._._._._.___._.__._._._._._.._ Advance on Cotton and other Commodities..................... . none 450.00 1,000.00 9,000.00 none 77,665.07 none none none Customers LiabilitY on Letters of Credit and Accevtances.......... . none Profit and Loss.................... none - - - - Other Resources.................... none Total-------------------------------- $ 124,054.41 LIABILITIES: Cavital Stock................$ Surv1us Funroved Reserve Agents.. 5,128.63 Ohecks for Olearlng and Due from other banks........................ none OOavsehrdIrtaefmtss.(-i-f-a-n--y-)--_-_-_-_-_-_-__-_-_-_-_-_-______ __ 30.55 none Advance on Cotton and other Commodities.--------------------- ,,184.80 Oustomers Liability on Letters of Credit and AcceDtances....... none Profit and LosS--------------------- none Other Resources.------------------- - - -no-ne TotaL........ --------------------$ 51,090.76 LIABILITIES: Cat>ital Stock.............. ---------$ Surt>lUs FunlUS Fund....................... Undivided Profits-----------------Reserve Funds...-----------------DDiuveidteonBdsanUknSp-a--i-d-.-.-.-.-.-.-.-.-.-.-.-.-.-.-.-.-.--. C&shiers Checks-------------------Certified Checks-------------------Demand Deposits-----------------Time Certificates of Deposit....... Savings Deposits------------------Letters of Credit and Acceptances executed for Customers.......... Bills PaYable....................... Notes and Bills Rediscounted.... Other Liabilities.................... 25,000.00 5,000.00 44.09 none 3,000.00 none 109.75 none 23,982.96 16,178.59 645.48 none none none none TotaL...............................$ 73,960.8'1 134 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the RICHLAND BANKING CO. Richland, Ga. As called for by the Superintendent of Banks. W. H. STRICKLAND, E. W. PARISH, President. Cashier. Date of Charter: 10-13-1927 Began Business: 10-15-1927 RESOURCES: Loans and Discounts.------------- $ 65,975.66 Certificates of Indebtedness and Bonds and Stocks owned........ 2,671. 79 Banking House and Lot........... 4,164.00 Furniture and Fixtures............ 1,980 00 Other Real Estate owned......... . none Cash in Vault and amounts due from approved Reserve Agents .. 33,925.00 Checks for Clearing and Due from other banks........ __ ............ . 279.73 COavsehr dIrtaefmt ss.(.if. .a.n. .y.). _. _. _._._._._._._._._._._._._. .__. 57.62 none Advance on Cotton and other Commodities..................... . none CUstomers Liability on Letters ot Credit and Acceptances.......... none Profit and Loss..................... none Other Resources..................... - - -100-.22 TotaL .............................. $ 109, 104.02 LIABILITIES: Capital Stock..... __ ................$ Surplus Fund....................... UndiVided Profits .................. Reserve Funds...................... Due to Banks..................... .. DiVidends Unpaid.................. Cashiers Checks ................... Certified Checks.................... Demand Devosits................... Time Certificates of Deposit....... SaVings Devosits.... __ ............. Letters of Credit and Accevtances executed for Customers.......... Bills Payable........................ Notes and Bills Rediscounted..... Other Liabilities.................... 40,000.00 none none none none none 1,730.80 none 53,410.78 none 13,944.07 none none none 18.37 TotaL.............. __ ..... _..... ___ .$ 109,104.02 STATEMENT Showing condition at the close of Business December 31, 1928, of the RHINE BANKING CO. Rhine, Ga. As called for by the Superintendent of Banks. R. E. P\)NDER, J. C. WILLIAMS, President. Cashier. Date of Charter: 7-11-1918 Began Business: 7-1918 RESOURCES: Loans and Discounts .............. $ 42,724.72 Certificates of Indebtedness and Bonds and Stocks owned....... . 21,150.00 Banking House and Lot........... none Furniture and Fixtures ........... 2,933.18 Other Real Estate owned.......... 6,500.00 Cash in Vault and amounts due from apvroved Reserve Agents.. 42,672.52 Checks for Clearing and Due from other Banks...................... none COavsehrdIrtaefmtss.(.if..a.n..y.)._._._._._._._._._._._._._._._..__. none none Advance on Cotton and other Commodities........... __ ......... . l, 777.30 Customers LiabilitY on Letters of Credit and Accevtances........... none Profit and Loss...................... none Other Resources..................... none ---- TotaL............................... $ 117,757.72 LIABILITIES: Cavital Stock.......................$ Surplus Fund_..................... Undivided Profits.................. Reserve Funds.. ..................... Due to Banks....................... DiVidends Unvaid................... Cashiers Checks.................... Certified Checks..................... Demand Devosits................... Time Certificates of Deposits...... Savings Devosits................... Letters of Credit and Acceptances executed for Customers.......... Bills Payable.. --------------------Notes and Bills Rediscounted..... Other Liabilities.................... 25,000.00 6,000.00 152.75 none none none 138.50 none 54,271.86 32,194.61 none none none none none TotaL...............................$ 117,757.72 NINTH ANNUAL REPORT 135 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF RINGGOLD Ringgold, Ga. As called for by the Superintendent of Banks. :;\f. W. MURPHY, OLEN N. MERRITT, President. Cashier. Date of Charter: 8-24-04 Began Business: 8-1904 RESOURCES: LIABILITIES: Loans and Discounts......- ..- ...- ..- . $--6- 2,4-34- .0- 8 ---C-a- vi- ta- l S- to- ck- ..- ...- ..- ...- ..- ..- ...- ..- ...- .$--2- 5,0~ 00~ .00~ Certificates of Indebtedness and Survlus Fund....................... none Bonds and Stocks owned....... . 16,776.66 Undivided Profits.................. 3,083.31 Banking House and Lot........... 2,140.00 Reserve Funds...................... none Furniture and Fixtures............ 2,175.00 Due to Banks....................... 1.600.00 Other Real Estate owned.......... 3,900.00 Dividends Unvaid.................. none Cash in Vault and amounts due Cashiers Checks.................... 967.78 from avvroved Reserve Agents.. 59,887.76 Certified Checks.................... none Checks for Clearing and Due from Demand Devosits..... .. . . .. . . . .. .. . 83,808.39 other Banks...................... none Time Certificates of Devosit....... 28,754.26 Cash Items......................... . 90.39 Savings Devosits................... 4, 583. 57 Overdrafts (if any)................ . 1,049.88 Letters of Credit and Accevtances Advance on Cotton and other executed for Customers.......... none Commodities..................... . 1,657.86 Bills PaYable....................... . none Customers Liability on Letters of Notes and Bills Rediscounted..... none Credit and Accevtances......... . none Other Liabilities .................. . 2,364.32 Profit and Loss..................... none Other Resources................... . none TotaL.............................. $ 150.111.63 TotaL..............................$ 150,lll.63 STATEMENT Showing condition at the close of Business December 31, 1928, of the CRAWFORD COUNTY BANK Roberta, Ga. As called for by the Superintendent of Banks. ROBT. E. AVERA, F. E. BENTLEY, President. Cashier. Date of Charter: 1-7-1901 Began Business: 1-8-1901 RESOURCES: Loans and Discounts.............. $ 65,024.56 Certificates of Indebtedness and Bonds and Stocks owned........ none Banking House and Lot........... 2,435.54 Furniture and Fixtures............ 1,420.00 Other Real Estate owned.......... 1,388.40 Cash in Vault and amounts due from avvroved Reserve Agents.. 30,176.76 Checks for Clearing and Due from other Banks...................... 1,249.81 Cash Items.......................... 166.70 Overdrafts (if any) ................. 17.98 Advance on Cotton and other Commodities. . . . . . . . . . . . . . . . . . . . . . 808.89 Customers Liability on Letters of Credit and Accevtances......... . none Profit and Loss..................... none Other Resources.................... - - -no-ne TotaL............................... $ 102,688.64 LIABILITIES: Cavital Stock.......................$ Surolus Fund_..................... Undivided Profits.................. Reserve Funds..................... Due to Banks....................... Dividends Unvaid...............-.. Cashiers Checks.................... Certified Checks................... . Demand Devosits................... Time Certificates of Devosit...... . Savings Deposits................... Letters of Credit and accevtances executed for Customers......... Bills PaYable........................ Notes and Bills Rediscounted.... Other Liabilities_................ 15,000.00 6,000.00 468.71 none none none 251.66 none 52,468.92 19,499.35 none none 9,000.00 none none TotaL.............................$ 102,688.64 136 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the THE ROCKMART BANK Rockmart, Ga. As called for by the Superintendent of Banks. S.D. LEE, H. P. FAMBRO, President. Cashier. Date of Charter: 10-3Q--1900 Began Business: 10-1900 RESOURCES: Loans and Discounts-------------Certificates of Indebtedness and $ Bonds and Stocks owned... _____ _ FBUanrnkiitnugreHaonudseFaixntdurLeos_t_._.._.___._._._._._ Other Real Estate owned.......... Cash In Vault and amounts due 129,345.63 13,476.74 9,750.00 3,468.38 6, 731.00 from ai>I>roved Reserve Agents. 99,291.70 Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 4,228.39 none 601.40 Advance on Cotton and other Commodities--------------------Customers LiabilitY on Letters of Credit and Accevtances.._._______ none none POrtohfeitr aRnesdoLurocseSs...._--_-_--_-_-_--_-_-_--_-_--_-_-_--________nn_oo_nn_ee TotaL------------------------------$ 266,893.24 LIABILITIES: Oavital Stock...... -----------------$ SUri>lus FUnd---------------------Undivided Profits-----------------Reserve FUnds---------------------D 1e to Banks----------------------Dividends Unvaid..----------------Oashiers Checks-------------------Certified Checks.....---------------TDiemmeaCnedrDtifeiic>aotesistso-f--D--e-i->-o-s-i-t-..-.---.-.-.-. Savings Dei>osits------------------Letters of Credit and Accei>tances BielxlsecPuatyeadbfloer__C__u_s_t_o_m__e__r_s_._._._._.__._._.._ Notes and Bills Rediscounted... Other Liabilities..................... 30,000.00 none 10,657.89 927.56 none none 220.59 none 92,467.01 25,472.13 107,148.06 none none none none TotaL----------------------- .......$ 266,893.24 STATEMENT Showing condition at the close of Business December 31, 1928, of the CITIZENS-FLOYD BANK AND TRUST CO. Rome, Ga. As called for by the Superintendent of Banks. G. C. BYARS, G. C. BYARS, Vice President. Cashier. Date of Charter: 1-22-1924 Began Business: 1-~~-19~4 RESOURCES: Loans and Discounts--------------$ 507,313.06 Certificates of Indebtedness and Bonds and Stocks owned....... 16,891.20 Banking House and Lot......... none FUrniture and Fixtures............ 3,556.82 Other Real Estate owned.......... 13,657.65 Cash In Vault and amounts due from avvroved Reserve Agents.. 67,703.23 Checks for Clearing and Due from other Banks................ 36,363.81 COavsehrdIrtaefmtss(.i-f-a--n-Y-)--..-.--.-.--.---..-.. none 1,730.63 Advance on Cotton and other CuCsotommmeorsdiLtiieaSb.i.l-i-t-y--o--n--L-e--t-t-e-r-s-o--f none Credit and Accei>tances........... none Profit and LOSS..-------------------- none Other Resources............. _ _ _n_o_n_e Total..................... $ 647,216.40 LIABILITIES l Cavital Stock......-------- ....$ SU!I>lUS FUnd....----------Undivided Profits-----------------Reserve FUnds-------------------- DDiuveidtoenBdsanUknsi>--a-id-.-.-...-..--.-..-.-.--.-CCearsthiifeierds CChheecckkss..-.-.-.-.--.--.-.-.--.-.-.--.--.-Demand Dei>osits................. Time Certificates of Dei>osit..... Savings Dei>ositS----------------- Letters of Credit and accei>tances BielxlsecPuatyeadbfloer_C__u__s_t_o_m__e_r_s_.___.__._.__._.._ Notes and Bills Rediscounted... Other Liabilities............... 100,000.00 20,000.00 200.16 none none 7,000.00 7,536.89 5.00 361,902.58 2,788.55 117,783.22 none 20,000.00 10,000.00 none TotaL..........$ 647,216.40 NINTH ANNUAL REPORT 137 STATEMENT Showing condition at the close of Business December 31, 1928, of the CITIZENS BANK Roswell, Ga. As called for by the Superintendent of Banks. H. P. CARPENTER, C. C. FOWLER, President. Cashier. Date of Charter: ll-24-1910 Began Business: 12-1-1910 RESOURCES: Loans and Discounts--------------$ CBeaBrnotkinfiidncsgataHensoduoSsfetoIancnkddseboLtweodnt _ne_ed__s.__s____a____n__d__ 89,999.18 100.00 none FOut hr neirtRu reea laEn ds t aFtiextouwrense-d--. _-_-_-_-_-_-_-_--_ 2,090.48 7,869.50 Cash in Vault and amounts due from approved Reserve Agents.. 41,460.46 Checks for Clearing and Due from other banks----------------------COavsehrdIrtaefmtss.(.i-f--a-n-y--)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 2.446.48 142.68 492.69 Advance on Cotton and other Commodities---------------------Customers Liability on Letters of 2,023.53 Credit and AcceptanceS---------- none Profit and LOSS--------------------- none Other Resources.------------------- - - -no-ne TotaL------------------------------ $ 146,625.00 LIABILITIES: Capital Stock.___ -------------------$ Surolus FuncL--------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends UnvaiI>roved Reserve Agents.. Ohecks for Olearing and Due from 10,494.41 166,702.07 255,812.58 OoasthheIrteBznasn.k__s_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_--_ Overdrafts (if any) ________________ _ Advance on Ootton and other OuOsotommmerosdLitiiaebsi.l.i-t-y--o-n--L-ettersof PrOorfeitdaitnadnLdoAssc.c..ei.>.t_a_n__c_e_s_._._._.._._._._._. 2,376.31 none 4,436.09 none nnoonnee Other Resources._..................___2,_509_.7_7 Total.__ .... ------- _________$ 1. 859,689.86 LIABILITIES: Oavital Stock...........____________ $ Surt>lUS Fund..----- Undivided Profits---- Reserve Funds..------- DDiuveidt oenBdsa nUkns:.t>. a-id- -. -_-_-__- _-_-_-_-_-_-_-_-_-_-_-_- -_ OOaesrthiifeiersd OOhheecckkss.-.-.-.-.-.-.-.-_-_-_-_-_-_-_-_-_-_--_-_ TDiemmeaCnderDtifeivcoatseistso--f-D--e-v--o-s--iL----------- Savings Devosits------------------LBeieltxltseecrPsuatoyefadbOfloreer_d_O_it_u_as_nt_o_dm__A_e_rc_sc__e___v___t_a___n__c___e_s__ NOothteesr aLniadbBiliiltlisesR..e.d..is..c_o_u__n_t_e_d_._._-_-_--_ 300,000.00 75,000.00 15,221.97 none 17,544.37 243.00 14,965.36 20,986.17 593,552.99 48,111.20 448,742.66 none 175,000.00 150,322.14 none Total... ____ .... ________ .... ___ . ___ .$ 1, 859,689.86 STATEMENT Showing condition at the close of Business December 31, 1928, of the GEORGIA STATE SAVINGS ASSOCIATION Savannah, Ga. As called for by the Superintendent of Banks. HENRY BLUN, F. C. BUSH, President. Sec. and Treas. Date of Charter: 7-29-1909 Began Business: 8-4-1909 RESOURCES: Loans and Discounts.............. $ 5,086,912.28 Certificates of Indebtedness and BaBnoknidnsgaHnoduSsteoacknsdoLwont_e_d_._._._.__._._._ 900,837.92 75,000.00 Furniture and Fixtures____ ....... 1.00 Other Real Estate owned..--------- 186,475.35 Oash in Vault and amounts due from avvroved Reserve Agents.. 1,283,642.85 Ohecks for Olearing and Due from OaosthheIrteBmasn__k_s_-_-__-_-_-_-_-_____-_-_-_-_-_-__-_--__Overdrafts (if any) ________________ _ 5,680.57 865.81 none Advance on Ootton and other OuOsotommmerosdLitiiaebsi.l-i-t-y--o-n---L-e-ttersof none Oredit and Accei>tances.......... none Profit and Loss.................... none Other Resources................... 912.33 TotaL----- $ 7,540,328.11 LIABILITIES: Oavital Stock................$ 325,000.00 Surt>lUS Fund.... _..............-.. 325,000.00 Undivided Profits----- 442,292.94 Reserve Funds----------- DDiuveidteonBdsanUknsv-a-i-d-.-.-.-...........--__-__ 109,779.76 none none Oashiers Ohecks.............______ _ 900.85 Oertified Ohecks...............-.... none Demand Det>osits................... none Time Certificates of Det>osit.---- 3,830,433.84 Savings Det>osits.------------------ 2,490,506.22 Letters of Oredit and accei>tances BielxlsecPuatyeadbfloer__O__u__s_to__m__e_r_s_.___._._._._._._.._ none none Notes and Bills Rediscounted..... none Other Liabilities................... 16,414.50 Total... _____________________________ $ 7,540,328.11 142 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the LIBERTY BANK AND TRUST CO. Savannah, Ga. As called for by the Superintendent of Banks. HENRY BLUN, C. A. McCARTHY, President. Vice-Pres. & Cashier Date of Charter: 12-18-1889 Began Business: 2-10-1890 RESOURCES: Loans and Discounts.-------------$ 3,683,217.88 Certificates of Indebtedness and Bonds and Stocks owned..______ 814,715.94 Ba,nking House and Lot___________ 590.136.29 Fti.rniture and Fixtures____________ none Other Real Estate owned..________ 114,419.60 Cash in V~ult and amounts due from approved Reserve Agents-- 953,694.33 Checks for Ole!llring and Due from CaosthheIrteBmasn_k__s_-_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_--_ Ove,rdrafts (if anyJ ________________ _ 237,106.75 411.00 4, 728.41 AdCvo~mc'meodointiesC__o_t_t_o__n___a__n_d____o_t_h__e_r none CuCsrteodmitearsnLdiaAbcicleitpYtanocnesL..e_t_t_e_r__s__o_f none Profit and LOSS------------------- none Other Resources-------------------- 12,474.54 TotaL------------------------------ 6,410,904.'74 LIABILITIES: Capital Stock._________ -------------$ 300,000.00 suro1us Fun1us Funlus Funosits................... Letters of Credit and Acceptances executed for Customers.......... Bills Pru.vable........................ Notes and Bills Rediscounted..... Other Liabilities..................... 50,000.00 50,000.00 11,904.90 none none 4,124.00 1,673.18 none 94,533.49 91,474.89 none none none none none TotaL...............................$ 303,710.46 144 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the CITIZENS BANK Shady Dale, Ga. As called for by the Superintendent of Banke. H. C. PERRY, 0. H. BANKS, President. Cashier. Date of Charter: 2-6-1920 Began Business: 4-1~-19l!O RESOURCES: Loans and Discounts-------------- $ 40,928.64 Certificates of Indebtedness and Bonds and Stocks owned..------Banking House and Lot----------- none none FOut hr neirtRu reea laEn ds t aFtiextouwrense-d-.-. _-_-_-_-_-_-_-_--_ 5,000.00 2,000.00 Cash in vault and amounts due from avvroved Reserve Agents.. 4,940.36 Checks for Clearing and Due from other banks----------------------Cash Items..------------------------Overdrafts (if anYl----------------AdCvoamnmceodoitnies.C,_o__t_to__n___a__n_d____o_t_h__e_r none none none none Customers LiabilitY on Letters ot Credit and Accevtances..--------Profit and LosS..-------------------Other Resources.------------------- - - none none -no-ne TotaL-------------------------------$ 52,869.00 LIADILITIES: Cavital Stocl:_______________________ $ Surolus Fund____ ------------------Undivided Profits-----------------Reserve Fund3---------------------Due to Banks----------------------Dividends Unpaisa__id__._.-_-_-_-_-_-_-_--_-_-_-_-_-_-_--_ Certified Checks-----------------TDiemmeaCnderDtifeivcoatseitsSo-f--D--e-v--o-s-i-t-_-_-_-__-_--_ ~~m-:;s ll~~r:fr~anci:Acceviaiicies executed for Customers_________ _ BNioltlessPaanydabBleil.l_s-R--e--d-i-s-c-o--u-n-t-e-d--.-_-__--_ Other LiabilitieS------------------- 15,000.00 23,000.00 9,288.05 none none none none none 81,001.28 27,322.42 none none none none none TotaL_______________________________ $ 155,611.75 NINTH ANNUAL REPORT 145 STATEMENT Showing condition at the close of Business December 31, 1928, of the SHELLMAN BANKING CO. Shellman, Ga. As called for by the Superintendent of Banks, W. J. OLIVER, THOS. R. ARTHUR, President. Cashier. Date of Charter: 12-4-1890 Began Business: 9-1-1890 RESOURCES: LIABILITIES: Loans and Discounts.............. $ Certificates of Indebtedness and Bonds and Stocks owned...... .. Banking House and Lot........... Furniture and Fixtures............ Other Real Estate owned.......... Cash in vault and amounts due from approved Reserve Agents.. Checks for Ciearing and Due from other Banks...................... Cash Items.......................... Overdrafts (if any) ____ ............ . Advance on Cotton and other Commodities..................... . Customers Liability on Letters of Credit and Acceptances.......... Profit and Loss.................... . Other Resources.................... 106,532.80 5,045.00 6,000.00 3,00C.OO none 20,458.60 278.20 122.34 U80.79 13.193.91 none none none Capital Stock.................... $ Surplus Fund....................... Undivided Profits.................. Reserve Funds...................... Due to Banks...................... . Dividends Unpaid................ .. Cashiers Checks.................... Certified Checks.................. .. Demand Deposits................... Time Certificates of Deposit....... Savings Deposits................... Letters of Credit and Acceptances executed for Customers.......... Bills Payable...................... .. Notes and Bills Rediscounted..... Other Liabilities.................... 25.000.00 33,000.00 36.36 none none 2,000.00 2,090.19 none 62.188.96 21,596.13 none none 10,000.00 none none _TotaL..~---'-''-"='.-"-=~c=:c:.."-$-'1=-55:..:.::.:91:.:1.:.:.6:.:4_ __:T::.:o:..:t=al:.:-.:::--:.::.:.:--:.::.:.:--:.:::..:--:.:::..:--:.::--:.:c:::--:.:c:::--:.::.:.:--:.::::..:--:.:::..:--:..:$'--.::.l5:..:5:c.,9:.:1c:.l.:.::64.:.... STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF SILOAM Siloam, Ga. As called for by the Superintendent of Banks. JNO. F. HOLDEr\, W. M. REYNOLDS, President. Cashier. Date of Charter: 10-18-1904 Began Business: 9-1904 RESOURCES: Loans and Discounts.............. $ Certificates of Indebtedness and Bonds and Stocks owned........ Banking House and Lot........... Furniture and Fixtures............ Other Real Estate owned.......... Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks...................... Cash Items.......................... Overdrafts (if any)................. Advance on Cotton and other Commodities.............. _...... . Customers Liability on Letters of Credit and Acceptances.......... Profit and Loss................... .. Other Resources.................... TotaL.............................. $ 33,406.19 10,000.00 2.500.00 1,500.00 4.892.81 35.662.23 330.60 none 41.10 none none none none 88,332.93 LIABILITIICS: Capital Stock....................... $ Surplus Fund....................... Undivided Profits.................. RDeuseertvoeBFaunnkdss..............._._._._._._._._._._._._._. .__. Dividends Unpaid.................. CCaesrthiifeiersd CChheecckkss......_._._._._._._._._._._._._._._._. ._ Demand Deposits................... Time Certificates of Deposit..... .. Savings Deposits................... Letters of Credit and Acceptances executed for Customers.......... Bills Payable........................ Notes and Bills Rediscounted..... Other Liabilities.................... 15,000.00 10,000.00 9, 764.64 none none 32.20 none none 31,257.38 22,278.71 none none none none none TotaL.............................. $ 88,332.93 146 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 3I, 1928, of the SOCIAL CIRCLE BANK Social Circle, Ga. As called for by the Superintendent of Banks. F. S. ETHRIDGE, W. S. McKIBBEN, President. Cashier. Date of Charter: 12-:ll-1923 Began Business: 3-8-1924 RESOURCES: Loans and Discounts--------------$ CeBrotinfidcsataensdoSftoInckdsebotwendende.s._s__a__n_d_ Banking House and Lot__________ _ 67,099.97 8,000.00 3,500.00 FOuthrneirtRureealaEndstaFtiextouwrense-d-.-._-_-_-_-_-_-_-_--_ 2,137.00 none Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from 45.591.85 COavosethhrdeIrrtaebfmta.s~n-(k-i-sf--a--n----y--)---_--_--_-_--_--_--_--_--_--_--_--_--_--_--_--_----_ AdCvoamncmeodoitnies.C._o__tt_o__n___a__n_d____o_t_h__e_r none none 1.99 16,728.04 Customers Liability on Letters of Credit and Acceptances..--------- 59,978.67 Profit and Loss--------------------- none Other Resources------------------- - - -no-ne TotaL-------------------------------$ 203,037.52 LIABILITIES: Capital Stock.______________________ $ Surolus Fungan Business: 1901 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned._____ __ Banking House and Lot__________ _ Furniture and Fixtures.. _.. _____ __ Other Real Estate owned________ __ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitniesC__o__tt_o__n___a__n_d____o_t_h__er_ CuCsrteodmitearns dLAiacbcielipttyanocnesL.e_t_t_e_r_s___of_ Profit and Loss____________________ _ Other Resources.. _______________ . __ 569,184.73 2.880.00 37,500.00 9,908.10 12,646.07 34,021.14 none 653.42 423.54 none none none 1,348.12 TotaL------------------------------$ 668,565.12 LIABILITIES: Capital Stock... ____________________ $ Surplus Fund _____________________ _ Undivided Profits-----------------RDeuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_--_ Dividends Unpaid----------------- Cashiers Checks----------- _______ __ Certified Checks.... ______________ __ Demand Deposits_________________ _ Time Certificates of Deposit....... Savings Deposits------------------Letters of Credit and Acceptances executed for Customers---------Bills Payable.----------.----------Notes and Bills Rediscounted..... Other Liabilities.------------------ 50,000.00 75,000.00 1, 937.55 5, 741.43 none none 1, 720.63 none 168,806.95 292,611.73 17,042.25 none 55,154.58 none 550.00 TotaL------------------------------$ 668,565.12 !'\1:\"TH ANNUAL REPORT 149 STATEMENT Showins condition at the close of Business December 31, 1928, of the BANK OF STATHAM Statham, Ga. As called for by the Superintendent of Banks. J. F. HUI-t~O:\". E. L. ROSS, President. Cashier. Date of Chart<'r: :l-!lO-l!lO~ Began Business: 4-4-1904 RESOURCES: Loans and Discounts--------------$ CeBrotinfidcsataensdoSf toInckdsebotwendende.s._s__a__n_d_ Banking House and Lot.... ______ _ Furniture and Fixtures..... ______ _ Other Real Estate owned_________ _ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks.----------------COavsehrdIrtaefmtss.(.i.f.a..n.y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-__--_ Advance on Cotton and other Commodities... --.--.----.--- ____ _ Customers LiabilitY on Letters of Credit and Acceptances---------Profit and Loss.-------------------Other Resources.------------------- TotaL.-----------------------------$ 93,636.79 1,550.00 1,900.00 3,085.00 28,514.20 7' 129.86 none none 36.11 708.53 none none none 136,560.49 LIABILITIES: Capital Stock.----------------------$ Surplus Funtances---------Profit and Loss--------------------Other Resources-------------------- TotaL-------------------------------$ 114,344.64 none 6,527.56 4,088.89 11,442.87 11,942.19 293.12 none none none none none 1,250.00 149,889.27 LIABILITIES: Cai>ital Stock... --- __ ------ _________ $ Stiri>lUs FUnd----------------------Undivided ProfitS-----------------Reserve FUnds---------------------Due to Banks----------------------Dividends Unpaid-----------------Cashiers Checks-------------------Certified Checks-------------------Demand Deposits-----------------Time Certificates of Dei>osiL----Savings Dei>OSitS------------------LeetxteecrsutoefdCforer dCituastnodmAercsc_e_i_>_t_a_n__c_es_ Bills Payable______ -------- ___ -----Notes and Bills Rediscounted.___ _ Other LiabilitieS.------------------- 25,000.00 2,000.00 1.617.93 none none none 153.61 none 37.815.78 82,051.95 none none none none 1.250.00 TotaL ______________________________ $ 149,889.27 STATEMENT Showtng condition at the close of Business December 31, 1928, of the CHATTOOGA COUNTY BANK Summerville, Ga. As called for by the Superintendent of Banks. JNO. D. TAYLOR B. W. FARRAR President. Cashier. Date of Charter: ll-!25-1905 Began Business: 1-1-1906 RESOURCES: Loans and Discounts-------------- $ 311,348.12 Certificates of Indebtedness and Bonds and Stocks ownetances.--------- none Profit and Loss--------------------- none Other Resources-------------------T o t a L ______________________________ -$ -531-.816491-..9010 LIABILITIES: Cai>ital Stock.----------------------$ Stiri>lUS FUnaotseistSo..f..D--e--i>--o-s--it-_-_-_-_-_-_--_ Savings Depo<;its------------------Letters of Credit and Accei>tances executed for Customers---------BNioltlessPaanydabBleil.l-s--R-e--d-i-s-c-o--u-n-t-e-d--.-_-__--_ Other LiabilitieS....------------------ 30,000.00 28,000.00 9,930.86 1,119.97 none none 500.96 none 387,893.83 30,085.73 14,338.56 none none 30,000.00 none TotaL_______________________________ $ 531,869.91 NINTH ANNUAL REPORT 151 STATEMENT Showing condition at the close of Business December 31, 1928, of the FARMERS & MERCHANTS BANK Summerville, Ga. As called for by the Superintendent of Banks. S. C. MARTIN, .J. H. EDGE, President. Cashier. Date of Charter: i!-5-19\!6 Began Business: i!-6-19i!6 RESOURCES: Loans and Discounts-------------- $ 175,660.70 CeBrotinfidcsataensdoSf toInckdsebotwednneeds. _s__a__n_d_ Banking House and Lot__________ _ 36,379.57 8,452.67 FOut hr neirtRu reealaEn ds t aFtiextouwrense-d--. _-_-_-_-_-_-_-_--_ 5,590.00 none Cash in Vault and amounts due from approved Reserve Agents.. 121.027.08 Checks for Clearing and Due from C aost hh eIrteBmasn. _k_s_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_-_-_- -_ Overdrafts (if any) ________________ _ 4,095.48 none 2. 715.57 Advance on Cotton and other Commodities---------------------PCruCosrfteiotdmaitenardsnLLdoiAasbsc_icl_ie_t_pY_t_a_on_nc__eL_s_.e___t_t__e___r___s____of__ none none none Other Resources.------------------T o t a L _______________________________ -$ - -no-ne 353,921.07 LIABILITIES: Capital Stock..--------------------Surplus Fund.---------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unpaid-----------------Cashiers Checks-------------------Certified Checks.------------------TDiemmeaCnderDtifeipcoasteitsSo..f.-D--e--p-o--s-i-t_-_-_-_-_-_--_ Savings Deposits------------------LeetxteercsutoefdCforer dCituastnodmAercsc_e_p__t_a_n_c__es_ Bills Payable... ________ ------------Notes and Bills Rediscounted.___ _ Other Liabilities____ --------------- 25,000.00 2,000.00 1,100.97 none none 64.00 1,802.25 none 195,346.58 128,607.27 none none none none none TotaL-------------------------------$ 353,921.07 STATEMENT Showing condition at the close of Business December 31, 1928, of the THE CENTRAL BANK Swainsboro, Ga. As called for by the Superintendent of Banks. R. A. FLANDERS, W. W. FLANDERS, President. Cashier. Date of Charter: 9-\!7-1920 Began Business: 11-9-1920 RESOURCES: CLoeBraotninfsidcasantadensDdoiSfstcoIoncukdnsetbostw-e-dn--ne-ed-s_-_s-_-_-a_-_n-_-d_-$ BF ua rnnkiitnugr eHaonudseFaixntdurLeos _t-__-_-_-_-_-_-_-_-_--_ Other Real Estate owned... ______ _ Cash in Vault and amounts due from approved Reserve Agents._ Checks for Clearing and Due from other Banks---------------------COavsehrdIrtaefmtss.(-if--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Advance ital Stock... ____________________ $ Surplus Funcokssit.s_____________________-_-_-_-_-_-_-_--_ TSaimviengCserDtiefii>coastietss.o__f_D__e__p_o__s_it-------------Letters of Credit and acceptances BielxlsecPuatyeadbfloer__C__u__s_t_o_m__e__r_s_-_-_--------------Notes and Bills Rediscounted...... Other Liabilities------------------- 50,000.00 2.500.00 639.65 none none none 547.34 none 68.483.97 44,226.72 none none none none none TotaL _______________________ .---- ..$ 166,397.68 r 160 DEPARTMENT OF BANKiNG STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF TOCCOA Toccoa, Ga. As called for by the Superintendent of Banks. M. CRAWFORD, H. CRAWFORD, President. Cashier. Date of Charter: 8-10-1911 Began Busi!l<',;s: !l--1-1911 RESOURCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks owned_______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate ownect_________ _ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss-(I-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitniesC..o__t_t_o_n___a__n__d--o--t-h-e--r CuCsrteodmiterasnLdiAabciclietpYtaonnceLs_e_t_t_e_r_s___of_ Profit and Loss.. __________________ _ Other Resources.------------------- TotaL ______________________________ $ 135,877.37 7,800.00 none 4, 770.22 29,029.97 61,147.84 2,623.99 none none 32,585.70 none none none 273.835.(9 LIABILITIES: Capital Stock... _____ -----.---------~ Surplus Fund----------------------Undivided Profits-----------------Reserve Fund---------------------Due to Banks----------------------CDaivsihdieenrsdsCUhencpkasi_<_L__-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ Certified Checks______ --------- __ --Demand Deposits.... --------------Time Certificates of Deposit. _____ _ Savings Deposits------------------Letters of Credit and Acceptances BielxlsePcuatyeadbfloer__C__u__s_t_o.m. -e- r.s..--__------_-__-_--_ Notes and Bills Rediscounted_ ___ _ Other Liabilities..... ____------ ____ _ 50,000.00 10.000.00 2.319.43 none none none 2,397.88 10.00 157,200.10 25,421.30 26,486.38 none none none none TotaL. ____________________________ $ 273.835.09 STATEMENT Showing condition at the close of Business December 31, 1928, of the FARMERS & MERCHANTS BANK Toccoa, Ga. As called for by the Superintendent of Bank~. E. F :\llTCIIELL, F. C. GROSS, President. Cashier. DatP of Charter: 1-18-1flO!l Began Business: l-20-1906 RESOuRCES: Loans and Discounts ______________ $ Certificates of Indebtedness and Bonds and Stocks ownect_______ _ Banking House and Lot__________ _ Furniture and Fixtures___________ _ Other Real Estate ownect_________ _ Cash in Vault and amounts due from approved Reserve Agents.. Choetchkesr fBoarnCklse.a..r_in__g__a_n__d__D__u__e_f-r-o-m-Cash Items.________________________ _ Overdrafts (if any) ________________ _ AdCvoamncmeodoitniesc__o_t_t_o_n____a_n__d____o_t_h__er_ Customers LiabilitY on Letters ot Credit and Acceptances---------Profit and Loss--------------------Other Resources-------------------- 352,526.90 34,036.67 16,000.00 4,500.00 13,988.01 108,917.91 6,075.57 121.84 none 47,806.57 none none none L!ABILITIEH: Capital Stock_____________ ._. ______ .$ Surolus Fund---------------------Undivided Profits.------------- ___ _ DReuseertvoeBFaunnkdss_-_-_-_-_-_-_-_-_-_-_-_-__-_-_-_-_-_-_-_-_--_ Dividends Unpaid_________________ _ Cashiers Checks___________________ _ Certified Checks___________________ _ Demand Deposits__________________ _ Time Certificates of Deposit.. ____ _ Savings Deposits------------------BLeieltxltseePcrsuatyoefadbCfloreer_d_C_i_tu_as__tno_d_m__Ae_r_cs_c__e__p____t__a__n__c____es__ Notes and Bills RediscounteytaonnceLs_e_t_t_e_r_s__o_ _f none Profit and LosS--------------------- none Other Resources.------------------TotaL ______________________________ -$ -2-' 16l-.f6 84,288.59 LIABILITIES: Capital Stock---------------------- $ Surplus Fun--o-s-i-L--. -_-__--_ Savings Deposits------------------LeetxteercsutoefdCforerdCituastnodmAercsc_e_p__ta__n_c_e_s_ Bills PaYable________ --------------NOothteesr aLniadbBiliiltlisesR__e_d_i_s_c_o_u__n_t_e_d_._._._._.._ 15,000.00 none 4,436.76 none none none 790.92 none 53,063.29 9,287.20 l. 710.42 none none none none TotaL------------------------------$ 84,288.59 164 DEPARTME~T OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the ASHLEY TRUST CO. Valdosta, Ga. As called for by the Superintendent of Banks. J. Y. BLITCH, CLAHA BUHHOWS, President. Treasurer. Date of Charter: :l-1'2-1913 Began Business: 4-1913 RESOURCES: Loans and Discounts--------------$ 1,431.728.82 Certificates of Indebtedness and Bonds and Stocks owned........ 6,000.00 Banking House and Lot---------- none Furniture and Fixtures............ none Other Real Estate owned......... . 650.00 Cash in Vault and amounts due from ai>I>roved Reserve Agents.. 97,176.17 Checks for Olearing and Due from other Banks.--------------------- none COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ none none AdCvoamncmeodoitniesC__o_t_t_o__n___a__n_d____o_t_h__er. none CuCsrteodmiterasnLdiAabcicleiit>ytaoncnesL..e_t_t_e__r_s__of_ none Profit and LOSS--------------------- none Other Resources........ ------------- none TotaL.-----------------------------$ 1.535,554.99 LIABILITIES: Cat>ital Stock.______________________ $ Surolus Fund----------------------Undivided Profits-----------------Reserve Funds---------------------Due to Banks----------------------Dividends Unt>aid.----------------Cashiers Checks-------------------Certified Checks-------------------TDiemmeaCnedrDtifeitc>aotesistso-f--D--e-t>--o-s-i-t-_-_-__-_-_--_ Savings Det>osits------------------LeetxteecrsutoefdCforerdCituastnodmAercsc_e_i_>_t_a_n_c__es_ Bills Payable____ ------------------Notes and Bills Rediscounted..... Other Liabilities------------------- 100,000.00 35,000.00 390,205.51 none none 6,024.00 none none none 999.026.75 none none none none 5,298.73 TotaL-------------------------------$ 1,535,554.99 STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF VALDOSTA Valdosta, Ga. As called for by the Superintendent of Banks. E. P. HOSE, T. C. ASHLEY, President. Cashier. Date of Charter: 4-20-1920 Began Business: 4-21-1920 REROPRCES: Loans and Discounts.-------------$ 626.511.74 Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnkds oLwont_e_d__._-_-_-_-_-_--_ 3.500.00 none FOut hr neirt uRreea laEn ds t aFtiex touwr ense-d- -. _-_-_-_-_-_-_-_- -_ 14.226.09 56,435.94 Cash in Vault and amounts due from ai>I>roved Reserve Agents.. 250.958.36 Checks for Clearing and Due from other Banks---------------------- COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 6,060.58 1.451.55 none Advance on Cotton and other CommoditieS..--------------------- Customers LiabilitY on Letters of Credit and Accei>tances.._________ none none Profit and Loss--------------------- none Other Resources.------------------- 790.00 TotaL ______________________________ - $ - 959- .934- .26 LIABILITIES: Cat>ital Stock.---------------------- $ Surolus Fund...--------------------Undivided Profits-----------------Reserve Funds----~---------------- Due to Banks----------------------Dividends Unt>aid-----------------Cashiers Checks-------------------Certified Checks.------------------Demand Det>osits-----------------Time Certificates of Dei>Osit..____ _ Savings Det>osits------------------Letters of Credit and Accei>tances BielxlsePcuatyeadbfloer__C__u_s_t_o__m__e_r_s_-_-_-_-_-_-_-_-_--_ NOothteesr aLniadbBiliiltlisesR__e_d_i_s_c_o__u_n_t_e_d__.._-_-_--_ 200,000.00 5,000.00 8,349.06 7,656.97 11,451.91 none 2,192.44 11.25 392,816.11 125,549.74 156,906.78 none 40,000.00 10,000.00 none TotaL------------------------------- $ 959.934.26 NINTH ANNUAL REPORT 165 STATEMENT Showing condition at the close of Business December 31, 1928, of the MERCHANTS TRUST CO. Valdosta, Ga. As called for by the Superintendent of Banks. H. Y. TILLMAK, A. F. WINN. President. Cashier. Date of Charter: 5-15-19!28 Began Business: 5-15-19!28 RESOURCES: Loans and Discounts-------------- $ CeBrotinfidcsaatensdoSftoI nckdse botwe dnnede s. _s__a__n_d_ Banking House and Lot----------FOut hr neirtRu reealaEn sdt aFtiextouwrense-d--. _-_-_-_-_-_-_-_--_ Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from other Banks.--------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ AdCvoamncmeodoitniesC._o__t_t_o_n___a__n_d____o_t_h__e_r CuCsrteodmiterasnLdiAabcicleltpytaonnceLs.e_t_t_e_r_s___of_ Profit and LOSS--------------------Other Resources.------------------- 478,675.32 none none none none 25,055.84 none none none none none none none TotaL------------------------------- $ 503,731.16 LIABILITIES: Capital Stock.----------------------$ Surplus Fun---------------- 1,322.87 Advance on Ootton and other Commodilties.. . . . . . . .~------------ 2,168.27 Customers Liabllitl', on Letters of Credit and Acceptances.......... none Profit and LoSS.-------------------- none Other ~sources..----------------- 625.00 ---- Total-------------------------------- $ 124,175.75 LIABILITIES: Capital Stock.......................$ Surplus FunI>roved Reserve Agents. 55,922.72 Checks for Clearing and Due from other Banks.................. none Cash Items......................... none Overdrafts (if any)................. none Advance on Cotton and other Commodities. . . . . . . . . . . . . . . . . . . . . . none Customers Liability on Letters of Credit and Accei>tances......... none Profit and Loss................. none Other Resources................... - - -no-ne TotaL.............................. $ 122,896.96 LIABILITIES: Cai>ital Stock.......................$ Suri>lUS Fund........................ Undivided Profit .................. Reserve Funds..................... Due to Banks...................... . Dividends Uni>aid................. . Cashiers Checks.................... Certified Checks................... . Demand Dei>osits.................. . Time Certificates of Dei>osit....... Savings Dei>osits .................. . Letters of Credit and Accei>tances executed for Customers.......... Bills PaY~b1e....................... . Notes and Bills Rediscounted..... Other Liabilities................... . 25,000.00 16,000.00 937.46 none none none 3,009.00 none 67,494.59 10,455.91 none none none none none TotaL..............................$ 122.896.9!\ STATEMENT Showing condition at the close of Business December 31, 1928, of the BANK OF WRIGHTSVILLE Wrightsville, Ga. As called for by the Superintendent of Banks. J. H. IWWLA~D, R. L. KE~T, President. Cashier. Date of Charter: 2-16-1897 Began Business: !2-16-1897 RESOURCES: Loans and Discounts............. $ 136,917.76 Certificates of Indebtedness and Bonds and Stocks owned........ 1,550.00 Banking House and Lot........... 4,000.00 Furniture and Fixtures............ 3,072.00 Other Real Estate owned.......... 6,320.14 Cash in Vault and amounts due from ai>I>roved Reserve Agents. 70,371.15 Checks for Clearing and Due from other Banks...................... 12,459.98 Cash Items.......................... none Overdrafts (if anY)................. none Advance on Cotton and other Co=odities..................... . none Customers LiabilitY on Letters of Credit and Accei>tances.......... none Profit and Loss..................... none Other Resources................... . - - -no-ne TotaL............................... $ 234.691.03 LIABILITIES: Cai>ital Stock.......................$ Suri>lUS Fund....................... Undivided Profits.................. Reserve Funds...................... Due to Banks....................... Dividends Uni>aid.................. Cashiers Checks.................... Certified Checks.................... Demand Dei>osits................... Time Certificates of Dei>osit....... Savings Dei>osits................. .. Letters of Credit and accei>tances executed for Customers.......... Bills PaYable....................... . Notes and Bills Rediscounted.... . Other Liabilities.................... 25,000.00 35,000.00 2,564.4!\ none none none 1,214.34 none 101.357.20 69,555.03 none none none none none TotaL...............................$ 234,691.03 176 DEPARTMENT OF BANKING STATEMENT Showing condition at the close of Business December 31, 1928, of the EXCHANGE BANK OF WRIGHTSVILLE Wrightsville, Ga. As called for by the Superintendent of Banks. P. B. BEDIXGFIELD, E. E. DALEY, President. Cashier. Date of Charter: lQ-20-1909 Began Business: 1Q-13-1909 RESOURCES: Loans and Discounts-------------- $ Certificates of Indebtedness and BaBnoknidnsgaHnoduSsetoacnkds oLwont_e_d__.____________ __ Furniture and Fixtures.. _________ _ Other Real Estate owned_________ _ 137,402.98 19,782.80 6,500.00 3,585.00 1,735.41 Cash in Vault and amounts due from approved Reserve Agents.. Checks for Clearing and Due from 88,314.17 other Banks.--------------------COavsehrdIrtaefmtss-(i-f--a-n--y-)-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_-_--_ 13,006.07 none none AdCvoamncmeodointiesC__o_t_t_o__n___a__n_d____o_t_h__e_r 8,246.49 CCusrteodmitearsndLiAabcicleitpYtanocnesL..e_t_t_e__r_s__o_f none Profit and LOSS--------------------- none Other Resources..------------------- - - -no-ne TotaL------------------------------- $ 278,572.92 LIABILITIES: Capital Stock----------------------- $ USunrdpilvuids eFduPnr