Forty-fourth annual report [1963]

Forty-fourth Annual Report
SUPERINTENDENT of BANKS
of GEORGIA


W. M. JACKSON Acting Superintendent of Banks

STATE OF GEORGIA
Department of Banking
Created by Act Approved August 16, 1919
*
Forty-fourth Annual Report
YEAR ENDING DECEMBER 31, 1963
*
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. This Act has been amended from time to time, through the sessions of the General Assembly, all of which amendments are contained in the Banking Act published by the Department of Banking.
*
W. M. JACKSON, Acting Superintendent of Banks

DEPARTMENT OF BANKING STATE OF GEORGIA ATLANTA
December 31, 1963
The Honorable Carl E. Sanders, Governor of Georgia, State Capitol, Atlanta, Ga.
Dear Governor Sanders:
In compliance with the provisions of Article 2, Sections 15 and 16 of the State Banking Law, I have the honor of submitting to you the Forty-fourth Annual Report of the Department of Banking for the year ending December 31. 1963.
The facts that are pertinent in the consolidated report are that total assets of the 318 State banks in Georgia increased 10.05% over the 1962 year-end totals. Deposits rose to an all time high level of $1 billion, six hundred ninety-eight
million, representing an increase of 10.18<jo over the previous
year-end. Total capital funds, loan ratios and investments in U. S. Government and municipal obligations compare favorably with the other states of the nation.
It is my opinion that the financial condition of our banks is excellent, and that they contribute materially to the general economy of the State.
Respectfully,
W. M. Jackson Acting Superintendent of Banks

IV

DEPARTMENT OF BANKING

OFFICIAL ROSTER
DECEMBER 31, 1963

Exhibit "A"

Annual Salary W. M. Jackson, Acting Superintendent of Banks ................ $13,800.00 W. A. Ramsey, Review Examiner..... . . . . . . . . . . . . . . . . . . . . . . . . . 9,420.00
SENIOR BANK EXAMINERS
Aycock, M. T., Decatur, Ga................................... $ 9,060.00 Bridges, Ray F., Stone Mountain, Ga........................... 7,020.00 Brooks, B. T., Stone Mountain, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,060.00 Brown, J. B., Vidalia, Ga...................................... 9,060.00 Callier, Robert H., Jr., Dublin, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,060.00 Goodloe, H. W., Jr., Decatur, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,060.00 Jones, Frank J., Chula, Ga.................................... 7,800.00 Martin, Edwin G., Decatur, Ga................................ 7,800.00 Paxton, Walter A., Albany, Ga................................ 9,060.00 Pierce, D. Neil, Vidalia, Ga.................................... 7,272.00 Sams, Marion 0., Atlanta, Ga................................. 7,800.00
ASSISTANT BANK EXAMINERS
Bentley, W. A., Atlanta, Ga................................... $ 5,820.00 Brown, Harold S., Vidalia, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,780.00 Diamond, Paul L., Vidalia, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,592.00 Fisher, D. W., Dublin, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,820.00 Gray, Burch J., Forest Park, Ga............................... 5,820.00 Horton, L. G., Jr., Doraville, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,060.00 Miller, Hubert C., Atlanta, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4,800.00 Mimbs, Norman E., Albany, Ga................................ 6,300.00 Morris, Reece V., Atlanta, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,592.00 Shannon, Wm. E., Jr., Albany, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,820.00 Taylor, Edwin F., Atlanta, Ga.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4,800.00
OFFICE ASSISTANTS
Cunningham, Lucy T., Senior Clerk ............................ $ 4,284.00 Ethridge, LaVerne Jean, Senior Clerk ......................... . 4,284.00 Evans, Sara Nell, Intermediate Stenographer ................. . 3,180.00 Jones, Evelyn W., Accountant ............................... . 5,820.00 Lee, Dorothy L., Senior Clerk ................................ . 3,552.00 Moody, Kathleen, Intermediate Typist ........................ . 3,300.00 Wyrick, Annette S., Confidential Secretary.................... . 5,820.00
CREDIT UNIONS Arnold, Thomas G., McDonough, Ga., Supervisor ................ $ 7,524.00 Grovensteen, George W., Atlanta, Ga., Examiner ............... . 7,272.00 Gunn, Robert H., Atlanta, Ga., Examiner ..................... . 7,272.00 Paris, Patricia Ann, Atlanta, Ga., Principal Stenographer ...... . 3,972.00
Rogers, Thomas D., Atlanta, Ga., Porter ...................... . 2,076.00

FORTY-FOURTH ANNUAL REPORT

v
Exhibit "B"

DEPARTMENT OF BANKING, STATE OF GEORGIA

RECEIPTS AND DISBURSEMENTS 1963

RECEIPTS Balance January 1, 1963 .................... $ 3,565.22 Received from Appropriation. . . . . . . . . . . . . . . . 328,633.58 Miscellaneous Income . . . . . . . . . . . . . . . . . . . . . . . 170.57
$332,369.37

DISBURSEMENTS Superintendent's Salary .................... $ 7,475.00 Acting Superintendent's Salary.. . . . . . . . . . . . . 12,597.50 Examiners' Salaries . . . . . . . . . . . . . . . . . . . . . . . . 175,036.28 Office Assistants' Salaries .................. . 36,452.50 Travel Expenses .......................... . 57,152.57 Supplies and Material. .................... . 1,892.31 Communication ........................... . 5,260.29 Printing and Publicity ..................... . 4,512.10 Repairs and Alterations .................... . 626.14 Rent (Equipment) ....................... . 1,157.58 Insurance and Bonding ..................... . 1,270.50 Pensions ................................. . 24,831.78 Equipment ............................... . 2,082.90 Miscellaneous ............................. . 505.00

$330,852.45

Balance December 31, 1963 ............. .

$ 1,516.92

VI

DEPARTMENT OF BANKING

CHARTERS APPROVED

NAME OF BANK

LOCATION

The South Cobb Bank. . . . . . . . . . . . . . . . . . Mableton ............ . Rossville Bank. . . . . . . . . . . . . . . . . . . . . . . . . Rossville ............. . Fort Oglethorpe State Bank. . . . . . . . . . . . . Fort Oglethorpe ...... .

Exhibit "C"
APPROVED
6-21-63 7- 1-63 12- 4-63

CHARTERS DISAPPROVED

Exhibit "D"

NAME OF BANK

LOCATION

Ochlochnee Banking Company. . . . . . . . . . . The Mableton Bank. . . . . . . . . . . . . . . . . . . . . The Citizens State Bank of Augusta ...... Southgate Bank & Trust Company....... Atlantic Bank. . . . . . . . . . . . . . . . . . . . . . . . . .

Ochlochnee ........... . Mableton ............ . Augusta ............. . Augusta ............. . Brunswick........... .

DISAPPROVED
3- 5-63 6-21-63 7- 3-63 7-15-63 8- 2-63

RENEWAL OF CHARTERS APPROVED

NAME OF BANK

LOCATION

The State Bank. . . . . . . . . . . . . . . . . . . . . . . . Concord Banking Company. . . . . . . . . . . . . . Bank of Meigs. . . . . . . . . . . . . . . . . . . . . . . . . Exchange Bank.. . . . . . . . . . . . . . . . . . . . . . . Bank of Jonesboro ...................... Atlantic Savings and Trust Company. . . . Cairo Banking Company. . . . . . . . . . . . . . . . Citizens Bank.......................... Realty Savings Bank. . . . . . . . . . . . . . . . . . . The Bank of Georgia. . . . . . . . . . . . . . . . . . . The Bank of Norcross. . . . . . . . . . . . . . . . . .

Griffin .............. . Concord ............. . Meigs ............... . Milledgeville ......... . Jonesboro ............ . Savannah ............ . Cairo ................ . Cairo................ . Augusta ............. . Atlanta .............. . Norcross ............. .

Exhibit "E"
APPROVED
4-18-63 4-30-63 5- 2-63 5-17-63 6-14-63 6-19-63 9-12-63 10-14-63 10-28-63 10-31-63 11- 5-63

PERMITS TO BEGIN BUSINESS

Exhibit "F"

NAME OF BANK

LOCATION

BEGAN BUSINESS

Bank of Byron. . . . . . . . . . . . . . . . . . . . . . . . . Byron ............... . Metropolitan State Bank ................ Augusta ............. . The Citizens Bank of Dallas. . . . . . . . . . . . . Dallas ............... . Rossville Bank. . . . . . . . . . . . . . . . . . . . . . . . . Rossville ............. .

2- 4-63 2-11-63 3-15-63 12-13-63

FORTY-FOURTH ANNUAL REPORT

VII

Exhibit "G"

APPLICATIONS TO INCREASE CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

APPROVED

Bank of Stapleton ............. . Stapleton .... . 1- 2-63 Austell Bank .................. . Austell ...... . 1-10-63 The Rentz Banking Company ... . Rentz ....... . 1-10-63 Bank of Rockdale .............. . Conyers ..... . 1-18-63 Bank of Upson ................ . Thomaston ... . 1-18-63 The Citizens Bank and
Trust Company .............. . Bainbridge ... . 1-23-63 The Bank of Covington ......... . Covington ... . 1-23-63 Farmers and Merchants Bank .. . Fayetteville .. . 1-23-63 Baxley State Bank ............. . Baxley ...... . 1-25-63 The Farmers Bank ............ . Union Point .. 1-30-63 Bank of Villa Rica ............. . Villa Rica ... . 1-30-63 The Farmers Bank ............ . Douglas ..... . 1-31-63 Bank of Acworth .............. . Acworth ..... . 2- 4-63 First State Bank
& Trust Company ............ . Albany ...... . 2- 4-63 Bank of Manchester ............ . Manchester .. . 2- 4-63 Georgia Railroad Bank
& Trust Company ............ . Augusta ..... . 2- 5-63 Wayne State Bank ............. . Jesup ....... . 2-25-63 Dawson County Bank .......... . Dawsonville .. . 3- 7-63 The Glennville Bank ........... . Glennville .... . 3- 8-63 Bank of Early ................. . Blakely ...... . 3-15-63 Bank of Fulton County ......... . East Point ... . 3-22-63 Cook Banking Company ........ . Cochran ..... . 3-28-63 Bank of Woodstock ............ . Woodstock ... . 4- 8-63 Bank of Dawson ............... . Dawson ..... . 4- 9-63 Commercial Bank .............. . Waycross .... . 4- 9-63 The Bank of Duluth ............ . Duluth ...... . 4-17-63 Bank of Wrightsville ........... . Wrightsville .. 4-17-63 Commercial & Exchange Bank .. . Bremen ...... . 4-25-63 The Bank of Edison ............ . Edison ...... . 5-10-63 Citizens Bank of Hapeville ..... . Hapeville .... . 5-20-63 The Commercial Bank .......... . Douglasville .. 6- 5-63 Bank of Jonesboro ............. . Jonesboro .... . 6-14-63 Etowah Bank .................. . Canton ...... . 6-25-63 The Citizens Bank ............. . Marshallville .. 7- 9-63 The Farmers Bank ............ . Forsyth ..... . 7-10-63 Farmers and Merchants Bank .. . Sylvania ..... . 7-24-63 Bank of Chickamauga .......... . Chickamauga. 7-31-63 Farmers and Merchants Bank .. . Dublin ...... . 7-31-63 The Citizens and Southern
Emory Bank ................ . Decatur ..... . 9-16-63 Richmond County Bank ........ . Augusta ..... . 10- 7-63 Bostwick Banking Company .... . Arlington .... . 10- 7-63 The Bank of Georgia ........... . Atlanta ...... . 10-31-63 Fairburn Banking Company .... . Fairburn .... . 11- 4-63 Bank of College Park .......... . College Park .. 11-12-63 Southern Savings Bank ........ . Atlanta ...... . 11-15-63 Bank of Barrow............... . Winder ...... . 11-20-63 The Citizens Bank of Swainsboro. Swainsboro .. . 11-26-63 The Peoples Bank ............. . Carrollton ... . 12- 3-63 Hubert State Bank ............ . Athens ...... . 12-12-63 The Citizens Bank ............. . Folkston ..... . 12-13-63

AMOUNT OF INCREASE

$ 25,000 to $ 50,000 150,000 to 212,500 25,000 to 50,000 160,000 to 200,000
180,000 to 270,000

100,000 to 100,000 to
60,000 to 75,000 to 50,000 to 50,000 to 150,000 to 50,000 to

200,000 200,000
75,000
100,000 100,000 100,000
165,000 100,000

750,000 to 775,000 120,000 to 150,000

2,500,000 to 100,000 to 25,000 to 75,000 to 50,000 to 350,000 to 60,000 to 25,000 to 100,000 to 100,000 to 50,000 to 50,000 to 100,000 to 80,000 to 300,000 to 100,000 to 100,000 to 100,000 to 30,000 to 50,000 to 65,000 to 50,000 to 100,000 to

3,000,000 200,000 50,000 100,000 100,000 420,000 90,000 50,000 200,000 200,000 100,000 100,000 200,000 100,000 450,000 125,000 200,000 200,000 80,000
100,000 100,000 100,000 200,000

250,000 to 120,000 to
15,000 to 1,300,000 to
75,000 to 125,000 to 100,000 to 100,000 to 125,000 to 125,000 to 100,000 to 100,000 to

350,000 180,000
50,000 1,500,000
125,000 150,000 270,000 125,000 150,000 150,000 125,000 200,000

VIII

DEPARTMENT OF BANKING

Exhibit "H"

APPLICATIONS TO REDUCE PAR VALUE OF CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

PAR VALUE REDUCED

OF STOCK

TO

Bank of Rockdale ................ Conyers ...... $100

$10

The Citizens Bank and

Trust Company ................ Bainbridge ....

100

20

The Bank of Covington ........... Covington ....

100

10

Wayne State Bank ............... Jesup ........

100

10

Dawson County Bank ............ Dawsonville ...

25

10

Cook Banking Company .......... Cochran ......

100

10

The Bank of Duluth ............. Duluth .......

100

10

Exchange Bank of Unadilla ...... Unadilla ......

100

25

Southern Savings Bank .......... Atlanta .......

100

10

The Citizens Bank of Folkston .... Folkston ......

100

10

Hubert State Bank .............. Athens .......

100

10

APPROVED
1-18-63
1-23-63 1-23-63 2-25-63 3- 7-63 3-28-63 4-17-63 11- 5-63 11-15-63 12-13-63 12-12-63

Exhibit "I"

MISCELLANEOUS APPLICATIONS TO AMEND CHARTERS APPROVED

NAME OF BANK

LOCATION NATURE OF AMENDMENT APPROVED

Industrial Savings Bank

Change name to

of Savannah. . . . . . . . . . . . . . . . . Savannah .... , Industrial Bank of

Savannah

2- 6-63

The Citizens Bank. . . . . . . . . . . . . . Marshallville. , Change location to

Fort Valley

7- 9-63

Southern Savings Bank. . . . . . . . Atlanta ...... . Change name to

American Bank of

Atlanta

11-15-63

Southern Savings Bank ......... Atlanta ...... . To acquire trust powers 11-15-63

Hubert State Bank ............. Athens ...... . Change name to First American Bank
and Trust Company 12-12-63

Exhibit "J"

MISCELLANEOUS APPLICATIONS TO AMEND CHARTERS DISAPPROVED

NAME OF BANK

LOCATION NATURE OF AMENDMENT DISAPPROVED

Commercial & Exchange Bank. . . Bremen. . . . . . . To acquire trust powers 4-25-63

FORTY-FOURTH ANNUAL REPORT

IX

BRANCH BANKS AS OF DECEMBER 31, 1963

Exhibit "K"

NAME OF BRANCH

NAME OF PARENT

BEGAN LOCATION BUSINESS

The Bank of Georgia,

Buckhead Office ........... The Bank of Georgia.......... Atlanta

The Bank of Georgia,

494 Ponce de Leon Ave., N.E. The Bank of Georgia .......... Atlanta

The Bank of Georgia,

West End

936 Gordon St., S.W........ The Bank of Georgia .......... Atlanta

The Bank of Georgia,

Pershing Point Office ...... The Bank of Georgia .......... Atlanta

The Citizens Trust Company,

965 Hunter St., N.W........ The Citizens Trust Company ... Atlanta

Trust Company of Georgia,

Lenox Square Office ....... Trust Company of Georgia .... Atlanta

Trust Company of Georgia,

Stewart Avenue and Glenn

Street Branch ............. Trust Company of Georgia. . . . Atlanta

Trust Company of Georgia,

Buckhead Office ........... Trust Company of Georgia. . . . Atlanta

Trust Company of Georgia,

West Peachtree & Third St.. Trust Company of Georgia. . . . Atlanta

Trust Company of Georgia,

514 Flat Shoals Avenue .... Trust Company of Georgia .... Atlanta

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

Walton Way Branch....... Trust Company............. Augusta

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

1111 Broad Street......... Trust Company ............. Augusta

Georgia Railroad Bank &

Trust Company,

Gwinnett Street Branch, Georgia Railroad Bank &

Gwinnett & Eleventh St.. . . Trust Company. . . . . . . . . . . . . Augusta

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

Daniel Village Branch. . . . . Trust Company. . . . . . . . . . . . . Augusta

Columbus Bank & Trust Co.

South Columbus Branch .... Columbus Bank & Trust Co.... Columbus

Columbus Bank & Trust Co.

North Highlands .......... Columbus Bank & Trust Co.... Columbus

Columbus Bank & Trust Co.

lOth Street................ Columbus Bank & Trust Co... Columbus

Columbus Bank & Trust Co.

13th Avenue & Warren

Williams Road ............ Columbus Bank & Trust Co.. . . Columbus

Cornelia Bank,

Demorest, Ga.............. Cornelia, Ga.. . . . . . . . . . . . . . . . . Cornelia

Citizens Bank,

Nahunta, Ga............... Citizens Bank................ Folkston

Savannah Bank & Trust Co.,

Waters Avenue Branch,

Medical Arts Shopping

Center ................... Savannah Bank & Trust Co.. . . Savannah

Savannah Bank & Trust Co.,

Midtown Branch,

1120 Bull St............... Savannah Bank & Trust Co.. . . Savannah

1- 5-59 11-15-49
11- 7-50 12-29-55
8- 1-55 7-15-59
6-20-58 10-24-58 10-11-49
5- 1-56
4-16-58
1- 2-25
12-15-53
2- 1-56 7- 5-27 1-18-24 1-18-24
6-16-53 10-24-14
1- 2-25
8-24-59
3-21-49

X

DEPARTMENT OF BANKING

Exhibit "K"-Cont'd

BRANCH BANKS AS OF DECEMBER 31, 1963

NAME OF BRANCH

NAME OF PARENT

BEGAN LOCATION BUSINESS

Savannah Bank & Trust Co., West Broad Street Branch,
320 West Broad Street ..... Savannah Bank & Trust Co.... Savannah Savannah Bank & Trust Co.,
Skidway Road and
Victory Drive ............. Savannah Bank & Trust Co.. . . Savannah Savannah Bank & Trust Co.,
Traffic Circle Branch, U.S. Highway 17 between Bay and Houlihan Sts...... Savannah Bank & Trust Co.... Savannah

7-15-50 11- 9-53
2-17-60

BANK OFFICES AS OF DECEMBER 31, 1963

NAME OF OFFICE

NAME OF PARENT

BEGAN LOCATION BUSIKESS

The Citizens & Southern Bank

of Albany,

The Citizens & Southern Bank

Slappey Drive Office ....... of Albany .................. Albany

First State Bank & Trust Co.,

218 Broad Street Office .... First State Bank & Trust Co... Albany

First State Bank & Trust Co.,

Slappey Drive Office ...... First State Bank & Trust Co... Albany

The Bank of Georgia,

Doctors Building Office,

494 Peachtree St., N.E..... The Bank of Georgia .......... Atlanta

The Bank of Georgia,

Cascade Office,

2265 Cascade Road, S.W.... The Bank of Georgia .......... Atlanta

The Bank of Georgia,

Northside Drive Office,

1349 Northside Drive ...... The Bank of Georgia .......... Atlanta

The Bank of Georgia,

Moreland-Custer Office .... The Bank of Georgia .......... Atlanta

South Side Atlanta Bank,

Ben Hill Office,

Campbellton Road, S.W..... South Side Atlanta Bank ...... Atlanta

Trust Company of Georgia,

Northeast Freeway Office,

2160 Monroe Drive, N.E.... Trust Company of Georgia .... Atlanta

Richmond County Bank,

Cherokee Office,

2625 Deans Bridge Road. Richmond County Bank ....... Augusta

Peachtree Bank and Trust

Company,

Peachtree Road Office,

Peachtree Bank and

5037 Peachtree Road ....... Trust Company ............. Chamblee

The Citizens Bank,

The Citizens Bank on

the Square Office .......... The Citizens Bank ............ Gainesville

Citizens Bank of Hapeville,

International Park

Airport Office ............. Citizens Bank of Hapeville .... Hapeville

Marietta Commercial Bank,

Downtown Office .......... Marietta Commercial Bank .... Marietta

7-11-60 4- 1-61 5-22-61 7- 1-63 10- 7-60 12- 1-60 10-23-61 6-10-63 2-26-62 12- 2-63
2-11-63 2-18-63 7-24-63 10- 2-61

FORTY-FOURTH ANNUAL REPORT

XI

Exhibit "K"-Cont'd BANK OFFICES AS OF DECEMBER 31, 1963

NAME OF OFFICE

NAME OF PARENT

BEGAN LOCATION BUSINESS

Exchange Bank,

Milledge-

Southside Office .......... . Exchange Bank............... ville

9-20-63

Bank of Smyrna,

South Cobb Office,

685 S. Cobb Drive ........ . Bank of Smyrna .............. Smyrna

11-14-63

Sea Island Bank,

South Side Office,

510 S. Main Street ........ . Sea Island Bank .............. Statesboro 7-16-62

Commercial Bank,

Drive-in Office ........... . Commercial Bank ............. Thomasville 3-21-61

Bank of Thomas County,

North Broad Office ....... . Bank of Thomas County ....... Thomasville 1-20-61

The Bank of Warner Robins,

Warner

Plaza Office ............. . The Bank of Warner Robins ... Robins

6-16-62

Citizens State Bank,

Warner

Briarcliff Office ......... . Citizens State Bank ........... Robins

5- 9-63

FACILITIES AS OF DECEMBER 31, 1963

NAME OF FACILITY

NAME OF PARENT

BEGAN LOCATION BUSINESS

The Citizens & Southern

Bank of Albany,

U.S. Marine Corps Supply

The Citizens & Southern

Center Facility ............... . Bank of Albany .......... Albany

7- 2-56

First State Bank & Trust Co.,

Turner Air Force

Base Facility . . . . . . . . . . . . . . . . . . First State Bank & Trust Co. Albany

9-21-53

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

Ft. Gordon Facility ........... . Trust Company ........... Augusta

1-19-42

Columbus Bank & Trust Co.,

Columbus Bank &

Ft. Benning Facility .......... . Trust Company ........... Columbus 2-20-20

Commercial State Bank

Drive-in,

310 S. Wiley Avenue .......... . Commercial State Bank ..... Donalson-

ville

12-17-63

Merchants and Farmers Bank,

Drive-in Facility............... Merchants and Farmers Bank Donalson-

ville

11-13-61

Bank of Fort Valley Drive-in

Bank Facility,

122-126 N. Macon Street ....... Bank of Fort Valley ....... . Fort Valley 11-15-63

The Citizens & Southern Bank

of LaGrange Drive in Facility, The Citizens & Southern

Main, Broome and Bull Sts...... Bank of LaGrange ....... . LaGrange 4-16-62

Moultrie Banking Company

Drive-in Office,

514 S. Main Street ............ Moultrie Banking Company . Moultrie

5-31-62

Sylvester Banking Company

Drive-in Facility,

101 E. Pope Street ............ Sylvester Banking Company. Sylvester 7-16-62

The Peoples Bank,

Drive-in Facility,

Broad and Midland ............ The Peoples Bank ......... . Winder

4-15-60

XII

DEPARTMENT OF BANKING

Exhibit "L"

DISPOSITION OF BANKS IN GEORGIA DURING 1963

Banks in Operation January 1, 1963 ..................... .
Banks in Operation December 31, 1963 ................... .
Banks Opening During Year ....................... 4
Bank of Byron, Byron Metropolitan State Bank, Augusta
The Citizens Bank of Dallas, Dallas
Rossville Bank, Rossville Bank Offices Opening During Year ................. 9
Peachtree Bank and Trust Co., Chamblee
Peachtree Road Office The Citizens Bank, Gainesville
The Citizens Bank on the Square Office
Citizens State Bank, Warner R'-bins
Briarcliff Office South Side Atlanta Bank, Atlanta
Ben Hill Office The Bank of Georgia, Atlanta
Doctors Building Office Citizens Bank of Hapeville, Hapeville
International Park Airport Office Exchange Bank, Milledgeville
Southside Office Bank of Smyrna, Smyrna
South Cobb Office Richmond County Bank, Augusta
Cherokee Office Facilities Opening During Year .................... 2
Bank of Fort Valley, Fort Valley Bank of Fort Valley Drive-in
Commercial State Bank, Donalsonville Commercial State Bank Drive-in

BANKS
314 318

BRANCHES BANK OFFICES AND FACILITIES
46 57

Exhibit "M"
STATE BANK MEMBERS OF FEDERAL RESERVE SYSTEM
Bank of Adairsville .................................................... Adairsville The Bank of Georgia ...................................................... Atlanta Citizens Trust Company................................................... Atlanta Trust Company of Georgia ................................................ Atlanta Georgia Railroad Bank & Trust Company.................................. Augusta Citizens Bank & Trust Company ........................................ Bainbridge Blackshear Bank ...................................................... Blackshear Columbus Bank and Trust Company...................................... Columbus Northeastern Banking Company......................................... Commerce Granite City Bank ....................................................... Elberton The State Bank ........................................................... Griffin Brand Banking Company ............................................ Lawrenceville Farmers Bank ............................................................ Monroe Savannah Bank & Trust Company of Savannah ............................ Savannah Bank of Waynesboro .................................................. Waynesboro

FORTY-FOURTH ANNUAL REPORT

XIII

Exhibit "N"
ABSTRACT OF REPORTS OF CONDITION OF STATE BANKS IN GEORGIA AS OF DECEMBER 31, 1963
(With Comparative Statement as of December 31, 1962)

ASSETS

Dec. 31, 1963 Dec. 31, 1962
318 Banks 314 Banks Increase+ 57 Branches* 46 Branches* Decrease -

Cash and balances with other banks ....... $ 343,023,864 $ 344,588,246 $ 1,564,382-

U.S. Government Obligations, direct and guaranteed.................
Obligations of States and political subdivisions. . . . . . . . . . . . . .
Other Bonds, notes and debentures. . . . . . . . Corporate stocks, including stock of

458,106,611
133,706,375 46,457,265

440,121,636
109,647,391 47,804,983

17,984,975+
24,058,984+ 1,347,718-

Federal Reserve Bank. . . . . . . . . . . . . . . . . 2,462,271 Loans and Discounts, including overdrafts. 880,652,828 Bank premises owned and

2,372,556

89,715+

750,335,398 130,317,430+

furniture and fixtures ................ .
Real Estate owned other than bank premises ................... .
Investments and other assets indirectly representing bank premises or other real estate .......................... .
Customers' liability

23,829,836 1,242,095
2,466,089

22,073,912 1,176,073
1,852,012

1,755,924+ 66,022+
614,077+

on acceptances outstanding.............

145,727

671,064

525,337-

0ther Assets........................... 8,734,918

6,514,667 2,220,251+

TOTAL ASSETS ................... $1,900,827,879 $1,727,157,938 $173,669,941+

LIABILITIES

Demand Deposits ........................ $ 812,563,941 $ 757,093,426 $ 55,470,515+

Time Deposits ......................... . 572,502,990 500,087,391 72,415,599+

Deposits of U.S. Government............ . 41,616,190 41,106,730

509,460+

Deposits of States

and political subdivisions. . . . . . . . . . . . . . . 193,215,545 161,135,248 32,080,297+

Deposits of Banks. . . . . . . . . . . . . . . . . . . . . . . 65,813,022 67,805,966 1,992,944-

Other deposits (certified and

officers' checks, etc.).................. 12,954,633 14,404,715 1,450,082-

TOTAL DEPOSITS ................. $1,698,666,321 $1,541,633,476 $157,032,845+

Bills payable, rediscounts, and other

liabilities for borrowed money .......... $

606,000 $

145,000 $ 461,000+

Acceptances executed by or

for account outstanding.. . . . . . . . . . . . . . .

145,727

671,064

525,337--

0ther liabilities ......................... _ _33cc':.:_9_14-='-::::2_9_6 __2_9_c_,1_5_5-"-,3-9_3_ _4-','-7_58-','-9_03_+_,__

TOTAL LIABILITIES

(not including capital accounts) .... $1,733,332,344 $1,571,604,933 $161,727,411+

CAPITAL ACCOUNTS

Capital ................................ $ 50,118,000 $ 46,365,500 $ 3,752,500+

Debentures .. .. .. . .. . .. . .. . .. .. .. . .. .. ..

177,000

177,000-

Surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 69,759,820 65,876,920 3,882,900+

Undivided Profits....................... 32,819,905 28,849,711 3,970,194+

Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ~14-=''o_:_79=-7:2'=-81_0:___.cc14=-,o_:_2c:_83=-',c:_87=-4=-c-~c-'-51=-3ccc,9~3o--o6:-'-+

TOTAL CAPITAL ACCOUNTS ..... $-167,495,535 $ 155,553,005 $ 11,942,530+

TOTAL LIABILITIES

o_:_c-c=-::__:_c.:=_.:::"::::c__-'---:_:_---'---'---'----'---

AND CAPITAL ACCOUNTS ....... $1,900,827,879 $1,727,157,938$173,669,941+

*Includes branch banks, bank offices and facilities.

XIV

DEPARTMENT OF BANKING

Exhibit "0"

CLASSIFICATION OF BANKS BY CAPITALIZATION AS OF DECEMBER 31, 1963

Number
of
Banks

Capital

2 ........................ $ 15,000.00 36 ....................... . 25,000.00
6 ....................... . 30,000.00
3 ....................... . 35,000.00 3 ....................... . 40,000.00 1 ....................... . 45,000.00 55 ....................... . 50,000.00 4 ....................... . 60,000.00 1. ...................... . 70,000.00 10....................... . 75,000.00 1 ....................... . 80,000.00 1....................... . 90,000.00 94 ....................... . 100,000.00 1 ....................... . 100,100.00 2 ....................... . 120,000.00 11 ....................... . 125,000.00 1. ...................... . 133,400.00 1. ...................... . 145,000.00 15 ....................... . 150,000.00 1 ....................... . 160,000.00 1. ...................... . 165,000.00 1 ....................... . 175,000.00 2 ....................... . 180,000.00 28 ....................... . 200.000.00 1 ....................... . 212;500.00 1. ...................... . 225,000.00 1 ....................... . 240,000.00
2 ....................... . 250,000.00
1 ....................... . 260,000.00 1. ...................... . 270,000.00 1. ...................... . 275,000.00 10 ....................... . 300,000.00 1. ...................... . 312,500.00 1 ....................... . 325,000.00 1. ...................... . 350,000.00 1....................... . 352,000.00 1. ...................... . 375,000.00
2 ....................... . 400,000.00 1 ....................... . 420,000.00 1. ....................... . 450,000.00
2 ....................... . 500,000.00 1 ....................... . 775,000.00 1 ....................... . 812,500.00 1 ....................... . 1,000,000.00
2 ....................... . 1,500,000.00 1. ...................... . 1,700,000.00
1 ....................... . 3,000,000.00 1 ....................... . 5,000,000.00

Total Capital
$ 30,000.00 900,000.00 180,000.00 105,000.00 120,000.00 45,000.00
2,750,000.00 240,000.00 70,000.00 750,000.00 80,000.00 90,000.00
9,400,000.00 100,100.00 240,000.00
1,375,000.00
114353;,o4o0o0..o0o0
2,250,000.00 160,000.00 165,000.00 175,000.00 360,000.00
5,600,000.00 212,500.00 225,000.00 240,000.00 500,000.00 260,000.00 270,000.00 275,000.00
3,000,000.00 312,500.00 325,000.00 350,000.00 352,000.00 375,000.00 800,000.00 420,000.00 450,000.00
1,000,000.00 775,000.00 812,500.00
1,000,000.00 3,000,000.00 1,700,000.00 3,000,000.00 5,000,000.00

Total Resources
$ 688,797.53 38,323,999.95 5,177,261.75 4,928,519.52 6,796,292.00 1,906,582.01
108,952,137.85 9,444,142.56 3,488,122.4 7
23,667,596.60 1,216,666.50 2,863,990.43
355,971,185.79 2,878,446.32 6,020,025.14
55,995,931.50 5,160,118.24 7,054,666.15
78,444,391.17 6,850.904. 73 8,583,709.02 4,811,334.27
13,663,833.32 194,325,352.68
8,062,618.81 6,082,327.29 5,936,527.10 7,675,453.38 8,301,647.61 4,069,682.81 8,864,691.50 105,045,566.96 12,013,152.27 10,313,128.00 10,800,673.95 9,884,830.86 12,450,146.78 29,488,226.56 13,271,054.31 8,058,850.41 35,095,405.61 25,830,805.79 12,26fi,642.36 32,930,401.04 117,492,328.12 50,512,33fi.20 93,678,132.98 325,489,240.59

FORTY-FOURTH ANNUAL REPORT
BANKS IN VOLUNTARY LIQUIDATION December 31, 1963

XV
Exhibit "P"

NAME OF BANK

LOCATION

DATE

Atlanta Trust Company.. . . . . . . . . . . . . . . . . Atlanta. . . . . . . . . . . . December 11, 1929 The Farmers Bank ...................... Blythe ............. January 22, 1951 Bank of Ila ............................. Ila................ August 9, 1954

Exhibit "Q"
LEGAL HOLIDAYS
January 1-New Year's Day January 19-Lee's Birthday February 22-George Washington's Birthday April 26-Memorial Day June 3-Jefferson Davis' Birthday July 4-Independence Day First Monday in September-Labor Day October 12-Columbus Day November 11-Armistice Day Fourth Thursday in November-Thanksgiving Day December 25-Christmas Day Provided that when any of the holidays enumerated above fall on a Sunday,
the Monday next following shall be observed as a Legal Holiday.

Exhibit "R"

SUPERINTENDENTS OF BANKS, DEPARTMENT OF BANKING STATE OF GEORGIA

Name

Date of Appointment

T. R. Bennett .................... November 17,1919
A. B. Mobley ... 1 January 1, 1927 W. J. Davis ..................... September 24, 1931 R. E. Gormley ................... January 1, 1932 R. R. Tippins .................... October 6, 1936 John C. Beasley ................. January 11, 1937
R. E. Gormley ................... January 25, 1937 C. B. Golsan, Acting Sup't ........ January 1, 1940 John C. Beasley ................. January 14, 1941 0. G. Jackson .................... March 22,1947 A. P. Persons .................... November 18, 1948
W. D. Trippe .................... July 1, 1960 W. M. Jackson, Acting Sup't ...... July 16, 1963

Date Service Ended
January 1, 1927 September 24, 1931 January 1, 1932 October 6, 1936 January 11, 1937 January 25, 1937 January 1, 1940 January 14, 1941 March 21, 1947 November 18, 1948 June 6, 1960 July 15, 1963

XVI

DEPARTMENT OF BANKING

Exhibit "S"

PRIVATE BANKS REGISTERED WITH SUPERINTENDENT OF BANKS AS OF JUNE 30, 1963

Name

Location

Dorsey Banking Company................................ Abbeville James Rivers Bank, North Slappey Drive ................. Albany
Farmers Bank .......................................... Alma
Bank of Gibraltar, 101 Peachtree St., N.E .................. Atlanta First City Bank, 98-100 Mitchell St., S.W.................. Atlanta Mercantile-City Bank, 710 Fulton Federal Bldg............. Atlanta
Bank of Augusta, 1296 Broad St........................... Augusta Citizens Banking Company ............................... Barwick The Peoples Bank ....................................... Baxley
The Citizens Bank ....................................... Broxton Farmers Clearing Bank.................................. Cadwell
Citizens Bank........................................... Cave Spring Bank of Chester......................................... Chester
The Brown Bank ........................................ Cobbtown First Trust Bank.........................................Covington Knight-Hogan Banking Company ..........................Dexter
The Commercial Bank ................................... Douglas The Exchange Bank ..................................... Douglas
The Peoples Bank....................................... Eastman Merchants Bank, 2146 Dodson Drive ....................... East Point Peoples Banking Company ............................... Folkston
Bank of Hampton ....................................... Hampton The Citizens Bank ....................................... Haralson
The Coastal Bank ....................................... Hinesville People's Cash Depository ................................. Jeffersonville Citizens Bank ........................................... Kingsland
The Lowndes Bank ...................................... Lake Park Jordan Banking Company................................ Leary
The Exchange Bank..................................... Ludowici The Peoples Bank ....................................... Macon
The Security Bank ...................................... McRae H. G. & 0. 0. Banks Company .............................Milledgeville Citizens Bank........................................... Milledgeville
Aycock Banking Company ................................ Millen Morven Mutual Exchange .................................Morven
Citizens Service Bank .................................... Omega G:eene Banking Company ................................ Pavo The Corbett Bank ........................................Pearson
Farmers & Merchants Bank ...............................Portal Bulloch Exchange Bank .................................. Preston Bank of Ray City ........................................Ray City Peoples Bank ............................................St. Marys Banks-Kelly Bank ........................................Shady Dale
Farmers & Merchants Bank ...............................Smithville The Citizens Banking Company ........................... Sparks
M. G. Pound Bank ........................................Sparta Citizens Bank............................................Stockbridge Spivey Banking Company .................................Swainsboro
Commercial Bank ....................................... Tallapoosa
Redwine Brothers, Bankers ................................Tyrone Brogdon Bros., Bankers ...................................Uvalda
The Park Avenue Bank .................................. .Valdosta Brice Banking Company ................................. .Vidalia Whigham Banking Company ..............................Whigham Thompson Banking Company ............................. Wrens

FORTY-FOURTH ANNUAL REPORT

XVII

Exhibit "T"

STATE CHARTERED CREDIT UNIONS

UNDER SUPERVISION OF DEPARTMENT OF BANKING

STATE OF GEORGIA

ALBANY

Total Assets as Reported Dec. 31, 1963

Albany Federal Employees Credit Union, Broad at Jefferson Street.... $ Carlton Credit Union, c/o Carlton Company, P.O. Box 173............ Colonial Dairies Employees Credit Union, 815 Oglethorpe Avenue.....
Gay Employees Credit Union, P.O. Box 1371......................... Georgia Electric Credit Union, 1500 Gillionville Road. . . . . . . . . . . . . . . . .
Karagheusian Employee's Credit Union, Gulistan Drive.............. Keenan Employees Credit Union, 112 Front Street, North............

116,247.43 27,022.78 6,858.79 539.59 3,876.12 42,654.42
113,887.36

ATHENS
Athens Division Credit Union, c/o Georgia Power Company.......... . C. C. E. A. Credit Union, 394 South Milledge Avenue ................ . Dairy-Pak Athens Credit Union, P.O. Box 726 ...................... .

182,189.07 17,246.28 35,410.29

ATLANTA
A. D. Co. Employees Credit Union, 777 Memorial Drive, S.E.......... . AMCO Credit Union, 29 Pryor Street . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . AMILSCO Credit Union, 451 Stephens, S.W........................ . Armour Fertilizer Works Credit Union, P.O. Box 1685 ............... . Arrow Credit Union, 2202 Murphy Avenue, S.W..................... . Associated Credit Union, 55 Forsyth Street, N.W.................... . Atlanta City Employees Credit Union, 702 City Hall ................ . Atlanta Cooperative Association, 719 Fulton Federal Building ........ . Atlanta Greyhound Terminal Employees Credit Union,
81 Cain Street, S.W............................................. . Atlanta Postal Credit Union, 102-M Federal Annex ................. . Atlanta Railway Postal Clerks Credit Union, 528 Federal Annex ..... . Atlanta Teachers Credit Union, 462 8th Street, N.E................. . Atlanta Terminal Employees Credit Union, Terminal Station ........ . Atlantic Steel Credit Union, P.O. Box 1714 ......................... . Ben Franklin Credit Union, 1400 West Peachtree Street ............. . Building Authority Employees Credit Union,
244 Washington Street, S.W..................................... . Central Parking, Inc. Credit Union, 100 Luckie Street, N.W.......... . Circle "W" Credit Union, 1299 Northside Drive ..................... . Cullom & Ghertner Company Credit Union, 720 Forrest Road, N.E .... . Delta Employees Credit Union, Atlanta Airport ..................... . Dixie 66 Credit Union, 1430 West Peachtree Street, N.W............. . DuPont Atlanta Employees Credit Union,
1737 Ellsworth Industrial Dr., N.W.............................. . Employees Credit Union Swift & Co., 760 Clifton Way, N.E........... . Employers Group Credit Union, 1001 Grant Building ................ . Employment Service Credit Union, 61 Trinity Avenue, S.W........... . Essell Credit Union, 1197 Peachtree Street, N.E..................... . F. D. & L. Employees Credit Union, 764 Miami Circle, N.E ........... . Federal Employees Credit Union, 83 Walton Street .................. . GA-WP General Office Credit Union, 4 Hunter Street, S.E........... . Gaylord Employees Credit Union, 1470 Blashfield Avenue, S.E........ . General Shoe Credit Association, 1251 Caroline Street, N.E........... . Genuine Parts Credit Union, 299 Piedmont Avenue, N.E .............. . Georgia E. S. A. Credit Union, 297 Labor Building .................. . Georgia Federation of the Blind Credit Union,
244 Washington St., S.W........................................ .
Georgia Health Department Credit Union, 516-A State Office Building.

52,552.87 107,676.34
9,546.19 112,331.65 378,499.03 512,267.38 903,684.70 217,839.36
11,572.05 9,810,466.52 1,100,521.60
473,766.98 71,072.45
822,573.21 28,122.47
108,784.77 18,375.61 6,020.61 15,720.30
3,991,905.53 88,779.28
60,863.46 99,927.33
9,559.13 71,974.72 57,528.62
296,110.3~
6,517,741.38 76,995.12 66,686.53 39,313.10 92,425.38 89,686.28
13,864.04 251,753.30

XVIII

DEPARTMENT OF BANKING

ATLANTA

Exhibit "T"-Cont'd

Georgia League Credit Union, P.O. Box 2044 ........................ $ 1,591,803.20

Georgia Standard Oil Employees Credit Union,

Fulton National Bank Bldg...................................... . 372,480.50

The Georgia State Department of Education Credit Union,

State Office Bldg............................................... . 160,553.83

Georgia State Highway Department Employees Credit Union,

2 Capitol Sq.................................................... . 631,699.51

Georgia Telco Credit Union, 440 Hurt Building ..................... . 10,565,555.64

GILIC Credit Union, 615 Peachtree Street, N.E..................... .

5,557.95

Grinnell Corporation Employees Credit Union,

240 N. Highland Avenue, N.E................................... . 55,227.97

Hospital Authority Employees Credit Union, 80 Butler Street, S.E.... . 240,012.14

Hotpoint Credit Union, 710 Murphy Avenue, S.W................... .

9,952.15

John Rogers Employees Credit Union, 1060 Huff Road, N.W.......... . 20,526.18

Journal-Constitution Employees Credit Union, 10 Forsyth Street, N.W.. 463,786.71

Marion Manufacturing Credit Union, 875 Kirkwood Avenue, S.E...... . 11,343.52

Massey College, 181 Peachtree Street .............................. .

1,127.20

Mead Packaging Employees' Credit Unio:::t, 955 Marietta Street, N.W.. . 273,074.75

MEMCO Credit Union, 1190 Astor Avenue, S.W..................... .

4,475.25

Merchants Mutual Credit Corporation, 542 Bank of Georgia Building .. 1,348,898.13

Miss Georgia Credit Association Credit Union, 645 Whitehall St., S.W.. 53,228.41

Montag Employees Credit Association, 245 N. Highland Ave., N.E .... . 98,497.62

Mr. Friendly Credit Union, 1105 W. Peachtree, N.W................. . 44,568.88

Mutual Savings Credit Union, 1219 Caroline Street, N.E............. . 682,636.16

Orange Disc Credit Union, 1375 Peachtree Street, N.E.............. . 966,496.71

Presbyterian Center Credit Union, 341-A Ponce de Leon Avenue, N.E.. 31,844.17

R.E.A. Employees Credit Union, 325 Mitchell Street, S.W............ . 91,643.39

Regenstein Employees Credit Union, 209 Peachtree Street, N.E ....... . 13,040.98

Rich's Employees Credit Union, c/o Rich's, Inc., P.O. Box 4539 ....... . 1,686,052.01

Ruralist Credit Union, 713 Glenn Street, S.W....................... . 285,109.07

Russell Company Employees Credit Union, 117 Central Avenue, S.W.. . 22,886.40

Sealtest Atlanta Credit Union, 593 Glen Iris Drive, N.E.............. . 58,497.83

SECO Credit Union, 441 Memorial Drive, S.E....................... .

7,317.15

Sexton Atlanta Employees Credit Union, 715 W. Whitehall Street, S.W. 78,671.10

Sho Do Co Savings Plan Credit Union, 1301 Chattahoochee Ave., N.W.. 12,975.85

Small Agencies Credit Union, 244 Washington Street, S.W. Room 572 .. 36,041.87

S.M.C.R.C. Credit Union, 1307 Peachtree Street, N.E................ . 43,637.51

S.O.S. Credit Union, 214 State Capitol. ............................ . 41,574.55

Southeastern Region, ILGWU Credit Union, 1065 Gordon Street, S.W..

8,950.52

Southern Freight Bureau Employees Credit Union, 101 Marietta Bldg.. 98,696.05

State Revenue Department Credit Union, State Office Building ...... . 40,218.72

Thompson Boland and Lee Employees Credit Union,

201 Peachtree St., N.E.......................................... . 70,836.19

The Thrift Credit Union, 125 Spring Street, S.W.................... . 733,266.37

United Family Employees Credit Union, 1515 Spring Street, N.W..... . 16,415.58

United K K Credit Union, 560 Monroe Place, N.E.................... .

2,371.69

Zac-Lac Employees Credit Union, 350 Simpson Street, N.W.......... .

975.86

AUGUSTA
Georgia Railroad Employees Credit Union, 615 8th Street ............ . King Mill Savings & Credit Association, c/o King Mill ............... . R C E A Credit Union, 1399 Walton Way .......................... . Richmond County Health Department Employees Credit Union
1001 Bailie Drive ....................................... '....... .

75,267.73 599,991.23
3,348.56
47,559.51

BRUNSWICK Glynn County Federal Employees Credit Union, Federal Building: ....

38,240.59

CEDARTOWN Cedartown Textiles, Inc. Employees Credit Union, Cedartown ........ .

24,253.75

FORTY-FOURTH ANNUAL REPORT

XIX

Exhibit "T"-Cont'd

CHAMBLEE Lay Employees Savings & Loan Credit Union, 4950 Peachtree Industrial Blvd................................... $ 351,763.93

COLLEGE PARK T. C. Employees Credit Union, 1971 Roosevelt Highway ............. .

25,717.93

COLUMBUS
Columbus Coca Cola Employees Credit Union, 305 17th Street ........ . Columbus Health and Hospital Credit Union, P.O. Box 229 ........... . Columbus Postal Employees Credit Union, P.O. Baker Village ........ . Gas Light Employees Credit Union, 107 13th Street ................. .
Seaboard Columbus Employees Credit Union, Front Avenue & lOth Street ..................................... .
WeeReBel Credit Union, 1350 13th Avenue ......................... .

17,433.00 122,020.82 118,093.90
63,588.25
7,043.25 26,678.07

CORDELE
Harris Foundry & Machine Employees Credit Union, c/o Harris Foundry & Machine .................................. .

36,647.96

DALTON
Crown Tuft Employees S. and L. Credit Union, c/o Crown Tuft Company ....................................... .
N.G.E.M.C. Credit Union, 301 Selvidge Street ....................... . W. E. Strain Employees Credit Union, P.O. Box 111 ................. . Whitfield County Postal Employees Credit Union, Post Office ........ .

7,942.07 35,843.40 17,706.37 23,921.60

DECATUR
Decatur Postal Employees Credit Union, P.O. Box 903 ............... . Decatur Teachers Credit Union, 320 N. McDonough ................. . D.R.H.D. Credit Union, 126 Trinity Place, W ........................ . Kraft Employees of Atlanta Credit Union, 1205 DeKalb Industrial Way The WoodCo Credit Union, 647 East College Avenue ................ .

31,732.08 63,390.28 38,504.08 1,576,171.07 22,741.61

DRY BRANCH Georgia Kaolin Employees, c/o Georgia Kaolin Company............. .

88,348.75

DUBLIN Dublin Federal Employees Credit Union, Federal Building ........... . 211,239.45

EASTMAN Stuckey's Employee's Association Credit Union, c/o Stuckey's ........ . 103,951.12

EAST POINT
Associated Grocers Credit Union, 1286 Milledge Street ............... . Colonial Stores Employees Credit Union, 2251 N. Sylvan Road ....... . East Point Municipal Employees Credit Union, City Hall ............ . I. P. Co. Employees Credit Union, 2323 N. Sylvan Road .............. . Tri-City Postal Credit Union, Post Office .......................... . WASE Credit Union, 1561 Forrest Avenue ......................... .

939,518.54 1,968,491.47
147,845.37
35,050.03 79,202.30
7,977.48

ELBERTON Stone Workers Credit Union, P.O. Box 711..........................

11,660.81

FORT McPHERSON Ft. McPherson Credit Union, Fort McPherson.......................
GAINESVILLE CITISCO Credit Association Credit Union, 401 S. Main Street.........
HAPEVILLE L & P Credit Union, 3421 Stewart Avenue...........................

1,025,025.50 6,978.99
23,840.92

XX

DEPARTMENT OF BANKING

Exhibit "T"-Cont'd

JACKSON CGEMC Employees Credit Union, c/o Central Ga. Elec. Membership Corp........................... $

25,622.44

JONESBORO C.C.B.E. Employees Credit Union, Clayton County Board of Education.

92,155.29

MACON C G M T Employees Credit Union, 340 Hazel Street................. . City Employees Credit Union, City Hall ............................ . Davison's of Macon Credit Union, 433 Cherry Street ................ . D.D.D. Credit Union, 4570 Pio Nono Avenue ........................ . Federal Employees Credit Union, Post Office ....................... . Georgia Kraft Employees Credit Union, Mead Road ................. . Macon Firemen's Credit Union, Fire Department Headquarters ....... . Macon Police Credit Union, City Hall .............................. . Macon Water Works Credit Union, Maintenance Building, Third and Hemlock Streets ................ . The Procter & Gamble Macon Employees Credit Union, 1265 Sixth St.. .
MARIETTA Home Employees Credit Union, 1531 Franklin Road ................. .
MILLEDGEVILLE Baldwin County Hospital Employees Credit Union, Milledgeville ..... . Milledgeville State Hospital, c/o State Hospital. .................... .
MOULTRIE Employees Credit Union Swift & Co., Moultrie, c/o Swift & Company ..
PLAINS Sumter County Teachers Credit Union, Plains, Georgia .............. .
QUITMAN Brooks County Packing Company Employees Credit Union, P.O. Box 351
ROME Floyd County Postal Employees Credit Union, Post Office ........... . Rome Kraft Employees Credit Union, c/o Rome Kraft Company ...... . Wiseman Employees Credit Union, 523 Shorter Avenue .............. .
SAVANNAH Blue Flame Credit Union, 114 Barnard Street . . . . . . . . . . . . . . . . . . . . . . . . Central Employees Credit Union, Inc., 227 W. Broad Street .......... . The G.P.A. Credit Union, c/o Georgia Ports Authority .............. . Health Employees Chatham County Credit Union, Intermediate at Meridian Road .................................. . Merchants Credit Union, Realty Building........................... . Savannah & Atlanta Railway Employees Credit Union, P.O. Box 1491 .. Savannah Electric and Power Employees Credit Union, 27 W. Bay St.. . Savannah Federal Credit Union, 200 St. Julian Street, East .......... . Savannah Postal Credit Union, P.O. Box 2002 ...................... . Savannah Transit Credit Union, 900 E. Gwinnett Street ............. . Seaboard Employees Credit Union of S~Jvannah, Inc., 601 E. Liberty St., Room 109 .................................... . Workmen's Circle Credit Union, 409 W. Broad Street ................ .
SAVANNAH BEACH Tybee Island Credit Union, 16th Street............................. .
TALLAPOOSA Dixisteel Credit Union, Dixisteel Building, Inc....................... .
TOCCOA TMPICO Employees Credit Union, East Currahee Street............ .
VALDOSTA Valdosta Onized Credit Union, Valdosta ............................ .

10,548.30 58,236.04 15,437.43
8,224.91 143,117.29 420,747.90 136,955.26 180,826.18
45,429.43 66,846.07
65,894.09
8,881.01 608,203.07
85,342.02
29,350.12
5,578.45
134,641.99 445,024.64
6,919.34
45,979.64 118,404.71 31,926.96
48,716.38 48,418.89 116,969.93 336,742.30 281,608.26 134,089.27 82,938.67
373,166.57 206,094.48
2,416.75
12,873.25
2,195.42
304,907.50

FORTY-FOURTH ANNUAL REPORT

XXI

Exhibit "U"

ABSTRACT OF REPORTS OF CONDITION OF STATE CHARTERED CREDIT UNIONS AS OF DECEMBER 31, 1963

Dec. 31, Dec. 31,

1963

1962

Percent Percent

Amount

of

of

Increase Increase Total

(Decrease) (Decrease)Assets

ASSETS
Cash ..................... $ 2,976,718 Loans 49,984,874 0 0 0. 0 U.S. Government Securities. 999,111 Other Bonds, Stocks
and Investments ......... 6,033,648 Furniture and Fixtures ..... 259,896 Other Assets .............. 626,879
Total Assets ............. $60,881,126

$ 2,679,333 44,091,936 1,127,210
5,118,807 261,091 516,504
$53,794,881

$ 297,385 5,892,938 (128,099)
914,841 (1,195)
110,375 $7,086,245

11.09 13.36 (11.36)
17.87 (0.45) 21.36 13.17

4.89 82.10
1.64
9.91 .43
1.03 100.00

LIABILITIES
Deposits, Including Non-members ........... $52,734,102
Notes and Accounts Payable. 1,638,149 Other Liabilities ........... 386,090
Total Liabilities ......... $54,758,341 RESERVES (1) ............. 2,007,310
Total Liabilities and Reserves ............ $56,765,651

$47,543,266 1,578,818 474,788
$49,596,872 2,032,439
$51,629,311

$5,190,836 59,331 (88,698)
$5,161,469 (25,129)
$5,136,340

10.92 3.76 (18.68) 10.40 (1.25)
9.95

86.62 2.69 .63 89.94 3.30
93.24

CAPITAL
Shares ................... $ 536,484 Surplus and Undivided
Profits (2) . . . . . . . . . . . . . . 3,578,991
Total Liabilities, Reserves & Capital. ............... $60,881,126

$ 511,638 1,653,932
$53,794,881

$ 24,846 1,925,059
$7,086,245

4.85 116.39
13.17

.88 5.88 100.00

Number of Shareholders. . . . . . Number of Depositors (3)..... Number of Reporting
Credit Unions.. . . . . . . . . . . . . Number of Loans . . . . . . . . . . . .

105,416 99,283
161 63,527

102,287 94,892
163 60,575

3,129 4,391
(2) 2,952

3.06 4.63
(1.22) 4.87

(1) Before Credits from 1963 Income; (2) Includes 1963 Current Earnings; (3) Includes Non-Members.

XXII

DEPARTMENT OF BANKING

Exhibit "V"

ABSTRACT STATEMENT OF lNCOME AND EXPENSE AS REPORTED BY STATE CHARTERED CREDIT UNIONS FOR CALENDAR YEAR OF 1963

INCOME:

Percent of Income

Interest on Loans .......................... $4,204,211.99 Less: Interest Rebates...................... (29,047.75)

Interest Net ............................... $4,175,164.24 Income from Investments................... 274,717.13 Profit on Sale of Securities.. . . . . . . . . . . . . . . . 29,563.39 Other Income.............................. 111,414.50

Total Income........................... .

$4,590,859.26

91.58 (.63)
90.95 5.98 .64 2.43
100.00

EXPENSES:

Salaries and Wages ........................ $ 639,353.32

Borrowers and Savings ln:;:urance .......... . 300,976.42

Association and League Dues .............. . 42,736.00

Surety Bond Premiums .................... . 19,945.97

Examination and Supervision Fees ......... . 28,112.78

Interest on Borrowed Money ............... . 89,035.46

Cost of Space Occupied .................... . 31,618.85

Reimbursed Expenses ..................... . 13,761.81

Collection ................................ . 7,270.35

Legal and Audit .......................... . 30,831.87

Recording Protection ...................... . 2,851.88

Cash Shortages ........................... .

631.59

Printing, Postage, Lights and Phone ........ . 93,476.82

Conventions, Meetings, etc................. . 10,584.05

Taxes ................................... . 72,531.42

Depreciation ............................. . 19,652.35

Advertising and Education ................ . 34,571.98

Office Machines Expense .................. . 22,882.72

Other Expenses Not Shown Above ......... . 455,896.06

Total Expenses ......................... .

Net Income (Before Credits to

Reserves and Surplus) .................. .

$1,916,721.70 $2,674,137.56

13.92 6.56 .93 .44 .61 1.94 .69 .30 .16 .67 .06 .01 2.04 .23 1.58 .43 .75 .50 9.93
41.75
58.25
100.00

Credit Unions entering Voluntary Liquidation during 1963: 2- 5-63 Atlanta Joint Terminals Credit Union, Atlanta 4-23-63 Stein Printing Company Employees Credit Union, Atlanta 5-29-63 Metro Credit Union, Atlanta
10-31-63 Law Engineering Testing Company Employees Credit Union, Atlanta 12-18-63 GESCO Credit Union, Atlanta
Credit Unions entering Involuntary Liquidation during 1963: 12-10-63 Fulton Teachers Credit Union, Atlanta
Credit Union Charters approved during 1963: 4-17-63 Massey College Credit Union, Atlanta 4-17-63 United K K Credit Union, Atlanta
11-15-63 Wright Manufacturing Employees Credit Union, Toccoa 11-15-63 Wright Garment Employees Credit Union, Bowman

_________FO~TY:_F_O_U_R_T__H _~NNU ~L REPORT ---------=1

STATEMENT Showing condition at the close of business December 31, 1963, of
ABBEVILLE STATE BANK Abbeville, Ga.

As called for by the Superintendent of Banks

J. H. DORMINY, JR., President.
Date of Charter: 4-22-1952

W. S. WALKER, Cashier.
Began Business: 4-22-1952

ASSETS

Cash. balances with other hank<;, in-

cluding reserve balances, and cash

items ~n process of colh'Ction

.$

United States Gon-rnmPnt o~lliga

tions, direct and guaranteed

Obligations of StatPs and political

subdivisions

Other bonds, notc-s, and debentures

CPrporate stocks (including :.tock of

Federal Reserve Bank)

Loans and discounts (including OVPr-

drafts)

Bank premises ownC'd, furniture and

fixtures

Real estate owned other than bank

premises

Investments and other assets indi-

rectly representing bank prt'misPs

or other real estate

Customer~' liability to this bank on

acceptances outstanding

Oth<-r Assets

Total Ass('tS

87,558.48 233,807.49
36,083.87 69,600.00
None 505,888.02
1,469.13 None None
None 33.60 934,440.59

LIABILITIES

D('mand deposits

Time deposits

Deposits nf U. S. GovnnmPnt Deposits of States and political ~;ub-

divisions

Deposits of hanks . .

.

Other deposits (certified and officers'

checks. etc.)

Bilh. payable

A<'ceptancPs executf'd by or for ac-

count of this bank and outstand-

ing

Other liabilitie-.

Capital

Surplus

Undivided profih

Reserve<.,

269,650.20 399,35R.90
4,326.74
143,270.22 None
7,928.71 None
None 9,878.14 25,000.00 65,000.00 10,027.68
None

Total Liabilities.......... .

934,440.59

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF ACWORTH Acworth, Ga.

As called for by the Superintendent of Banks

F. J. KIENEL, President.
Date of Charter: 10-31-1905

E. H. HARRISON, Cashier.
Began Business: 12-19-1905

AiSETS Cash, balances with oth('r banks, in-
cluding rl'~erve balances, and cash item" in process of colltction United States Government obligations. dir('ct and guaranteed Obli~ations of States and political subdivisions bther bonds, note~, ~nd debentures Corporate stocks (including ::tock of Federal R~serve Bank) Loans and discounts (including overdrafts) B:1nk premises own':'d, furn:ture and fixtures Real estate mvned other than bank premises Investments and othf'r assets indirectly representing lnnk prPmises or other real estate Cu~tomen.' liability to this bank on acceptances outstanding Other Assets
Total Assets

1,180,518.48 570,133.77 43,612.01 125,218.75 None
1,331,494.71 33,284.80 None
None None 69.97 3,284,332.49

LIABILITIES Demand deposits Time dcpo!>i ts Deposits of U. S. Gov<'rnm_nt Deposits of States and political sub-
divisions Dtpo~i ts of banks. . Other deposits (certified and officers'
checks. etc.) Dills payable Acceptances executed by or for ac-
count of this bank and oubtanding Other liabilities Capital Surplus Undivided profits Reserves

1,524,822.45 946,366.30 6,050.00
537,597.0R None
4,157.34 None
None R,OOO.OO 100,000.00 I 00,000.00 57,339.32
None

Total Liabilities

3,284,332.49

2

DEPARTMENT OF BANKING
----

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF ADAIRSVILLE

Adairsville, Ga.

As called for by the Superintendent of Banks

J. C. HAMBRIGHT, President.

J. E. McKELVEY, Cashier.

Date of Charter: 3-21-1899

Began Business: 3-24-1899

ASSETS

Cash, balancf's with other hank.;;, in

eluding re-serve balances, and f"ao.,h

items in proce~<; of collr-ction

Cnitcd States Government oblig-a-

tions. direct and gu;~rantf'f'd

Obli~ation" of State~ and political

~ubdivisions

Other bonds. notes, and debenture.;;

Corporatt:> stock" ( includin~S :--tock of

Federal RPscrvc Bank)

Loans and discounts (including 0\Tr-

draft>)

Bank premises o\vned. furnitun aml

fixturcs

.

Real estate owned other than bank

pr'mists

lnve~tments and other as~ets indi-

rectly representing hank premise:.

or other real estate

Customers' liabilitv to this bank on

acceptances outsianding

Other Assets

Total A:'lsets

317,821.76 426,337.80 129,865.51
60,087.50 3,750.00
676,229.10 12,997.63 None
None None None 1,627,089.30

LIABILITIES Demand deposits Time deposit-s Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks . . . . . . Other deposits (certifi('d and officers'
checks, etc.) Bills payable
Acceptances executed by or for account of this bank and outstanding
Other liabilitiPs Capital Surplus Undivided Rest>rY('S

742,601.60 565,088.93
13,411.79
73,899.93 None
2,516.98 None
None None 50,000.00 75,000.00 104,570.07 None

Total Liabilities

$ 1,627,089.30

STATEMENT Showing condition at the close of business December 31, 1963, of

ADEL BANKING COMPANY Adel, Ga.
As called for by the Superintendent of Banks

A. L. PARRISH, President.
Date of Charter: 2-27-1929

A. L. PARRISH, JR., Cashier.
Began Business: 3-1-1929

ASSETS Cash. halancPs with otht>r banks, in-
cluding rcsPrve balanc<'s, and cash items in procPss of collection Cnited Statt's Government obligations. dirPct and guaranteed Obligations of Statt'<; and political subdivision<; Other bonds. notf"s, and debentures Corporate sto('k.<. (including ~;tock nf .1 nkral Rtscrn Bank) Loans and discounts (including overdraft>) Bank premi~es owned, furniture and fixturrs Real (''>tate O\\ncd other than bank . premises lnnstments and other assets indirc('tly rcpre~cnting bank pronises or other real estate Customers' liability to thi~ hank on acceptances outstanding Other Assets
Total Assets

751,718.66 1.259,944.n
313,147.70 200,000.00
None 1,576,672.75
50,000.00 None
None None 1,265.21 4,152,749.25

LIABILITIES Dnnand d1posits
Time depmits Deposits of LT. S. Governme-nt Deposits of States and political sub-
division~
Depo~i ts of banks . . . . . . .. Oth('r deposits (certified and officcn'
checks, etc.)
Bills payable Acceptanct>s executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits
Re~ervcs

2,300,074.08 1,02 6,320.18
179,369.37
213,586.40 84,199.30
8,50R.64 None
None 10,000.00 100,000.00 100,000.00 55,691.28 75,000.00

Total Liabilities

4,152,749.25

FORTY-FOURTH ANNUAL REPORT

3

STATEMENT

Showing condition at the close of business December 31, 1963, of

FARMERS AND MERCHANTS BANK

Adel, Ga.

As called for by the Superintendent of Banks

W. J. HARRIS,

W. J. HARRIS

President.

Cashier.

Date of Charter: 12-11-1947

Began Business: 1-15-1948

ASSETS

Cash, balances with othcr banks, in-

cluding reserve balances, and cash

items in p,roccss of collection

United States Government o~>liga

tions. dinct and g-uaranteed

Ohli~ations of States and political

subdivisions

Other bonds, nott's) and debentures

Corporate stocks (including :,tock of

Federal RescrvP Bank)

Loans and discounts (including over-

drafts)

Bank premises mvned, furniture and

fixtures

.

Real e~tate owned othf'r than hank

premises

Investments and other assf'ts indi-

rectly repre<;enting hank premises

or othf'r real e~tate

Customen' liability to thi., hank nn

acceptances outstanding

OthT As~et~

602,850.04 704,240.89
None None None 706,279.18 5,208.95 None
44,170.00 None None
2,062,749.06

LIABILITIES

DPmand deposits

Time depo<;it'i

Deposits of U. S. Govf'rnmrnt

Deposits of States :1nd political r.ub-

divisions

DC'posi ts of banks

Other deposits (certifif'd and officers'

clwc ks. etc.)

Rills nayablc

Accepiances executed by or for ac-

count of this bank and outstand-

ing

OthPr liabilities

Capital



Surplus

Undivided profits

Reserves

998,181.46 734,158.53
None
95,984.77 26,732.48
10,836.43 None
None None 50,000.00 135,000.00 11,855.39 None

Total Liabilities

2,062,7 49.06

STATEMENT Showing condition at the close of business December 31, 1963, of

MONTGOMERY COUNTY BANK Ailey, Ga.

As called for by the Superintendent of Banks

JAMES PETERSON, President.
Date of Charter: 2-24-1926

MISS MARY SMITH, Cashier.
Began Business: 3-1-1926

ASSETS Cash, balance.-.. \vith other lldnks, in-
cluding rescrTe balances, and cash itrms in procc'is of collection Unitrd States Government obligations, direct and guaranteed Obli~ation~ of States and political subdivisions Other bonUs, notes, and debenturc'i Corporate stocks ( includin~ stock of Fedna! Resene Bank) Loans and discounts (including overdraft;) Bank premi~es O\\n~d. furniture and fixtures Real t'state owned other than bank premises lnve~tnwnts :1nd other assets indinctly repre.-..enting bank premise~ or other real esta tt Cu.-..tomer~' Jiability to thi~ bank on
acceptance~ out'itandin~
Other A~-.eb
Total Assets

245,878.61 434,000.00
None None Non> 241.331.65 3,04S.98 None
Nonp None None '924,259.21

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Go\TTnmnt Deposits of States and political ~uh-

divisions

Deposits of banks . .

. ..

Other deposits (ccrtJflt'd and ofhccn

checks, de.)

Ilills payable

Accrptances executed hv or for acnmnt of this bank a~d ouhtand-

ing

Other liabilities

Capital

Surplus

Undivided profits

R~~~enrs

568,716.66 145,595.76
None
113,059.26 19,389.53
3,851.60 None
None 1,168.00 30,000.00 :!5,000.00 7,478.43
Nonf'

Total Liabilitie"

n4,259.24

4

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

WHEELER COUNTY STATE BANK

Alamo, Ga.

As called for by the Superintendent of Banks

WALLACE ADAMS,

FRANCES C. GRIFFIN,

President

Cashier.

Date of Charter: 1-15-1945

Began Business: 1-17-1945

ASSETS

Cash. balance~ with otht'f banks, in-

cluding reserve balances, and ca~h

items in process of collC'('tion

$

Vnitcd Stat<'S Government ohli~a-

tions. dirf'ct and guaranteed

Obligations of States and political

subdivisions

Other bonds. notes, and delwntures Corporate stocks (includin~ :.tock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises O\Vn('d, furniture and

fixtuns

Rtal estate owned other than bank

premises

.

lnvestm('nts and other assets indi-

rectly npr<'sC'nting hank pr('miscs

or oth('r rC'al estate

Customen' liability to this bank on

acceptances outstanding

Other Assets

Total Ass('ts

153,863.05 343,381.06
None None None 715,486.03 12,787.62 None
None None None 1,225,517.76

LIABILITIES Demand dt.'posits Time deposits
D<'posits of C. S. Government
Deposits of States .'1nd political :.ubdivisions
Deposits of banks Othf'r depmi ts (certifiPd and officen.'
checks, etc.) Bills payable AccPptances Pxecu ted by or for ac-
count of this bank and outstand-
in~
Other liabilities Capital Surplus Undivided profits
ResPrvt<.,

495,446.68 195,695.00
13,115.02
380,610.78 None
4,713.93 None
None 6,975.00 25,000.00 7 5,000.00 12,464.23 16,497.12

Total Liabilities.. . . . . . . . . . . . . $ 1,225,517.76

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF ALAPAHA Alapaha, Ga.

As called for oy the Superintendent of Banks

W. M. GASKINS, President.
Date of Charter: 3-4-1905

C. A. MATTHEWS, Cashier.
Began Business: 3-25-1905

ASSETS

Cash. balances with othC'r banks, in-

cluding rc~erve balances, and cash

it<'m'i in process of collection

Unitf'd States Government obliga-

tions. direct and guaranteed

Obli~ations of States and political

subdi\isions

Other bonds, note~, and debentures

Corporate stocks (including :;tock of

F eJeral Rescrv(' Bank)

Loans and discounts (including onT-

drafts)

Bank pnmist..~ owned, furniture and

fixtures

.

.

Real e:-.tate owned other than ..bank

pr('miscs

In,estment<; and other assets indi-

rectly representing bank premises

or othcr real estate

cu~tomen' liability to this bank on

ac-ceptances outstanding

Other A:-.seb

Total As.,cts

386,932.20 639,022.47 284,666.76 200,000.00
None 979,961.84
61,184.44 None
None None None 2,551,767.71

LIABILITIES

Demand deposits

Time clC'pmils Deposits of ~T. S. Gon-rm!l:nt

Deposits of States and pollttcal sub-

divisions

J?eposi ts of ~)anks . . .

.,

Other deposits (certtfted and off1cers

ch<'cks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and oubtancl-

or\~;r }iabiJiti<'S

Capital

Surplus

Cnclividecl profits

Reserves

968,048.86 1,093,303.32
9,393.91
76,934.02 50,000.00
11,868.71 None
None 32,218.89 100,000.00 100,000.00 60,000.00 50,000.00

Total Liabilities

2,551,767.71

FORTY-FOURTH ANNUAL REPORT

5

------------~~--~

STATEMENT

Showing condition at the close of business December 31, 1963, of

ALBANY SAVINGS BANK Albany, Ga.

As called for by the Superintendent of Banks

SPENCER C. WALDEN, JR.

OSCAR POWELL,

President.

Cashier.

==D=at=e =of=C=h=a=rte=r=: =8-2=1=-1=95=0 ================B=egan Business: 10-2-1950

ASSETS Cash. balances with other banb. in-
cluding re~erve balances, and cash items ln process of collection
L'nited States Government obliga-
tions. direct and guaranteed Obli~ation<; of States and political

149,725.32 175,054.69

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Ddi~i!r~n~f S~ate_s and political sub-
Deposits of banks

None 2,877,600.95
None
50,000.00 80,000.00

subdivisions

755,631.93

Other deposits {certified and officf"n'

Othtr bonds. notes. and debentures Corporate stocks (i-ncluding :-.tock of

None

checks, etc.) Bills payable

None None

Ff'dnal Rrservf Bank)

6.00

Acceptances executed by or for ac-

Loans and discounts (including over-

count of this bank and outstand-

drafts) Bank prf'mises owned. furni~urc and

2,957,018.02

ing Other liabilities

None 635,332.09

fixtures

.

53,532.61

Capital

150,000.00

Rf'al estate ownC'd other than bank

Surplus

50,000.00

premises

None

Undivided profits

179,160.01

Invcstmf'nts and othf'r assets indirectly representing bank prf'mi~e<,

None

Reserves

70,000.00

or other real estate

Customers' liability to this bank on

acceptance~ outstanding

None

Other As~cts

1,124.48

Total Assets

$4,092,093.05

Total Liabilities

4,092,093.05

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS & SOUTHERN BANK OF ALBANY Albany, Ga.
As called for by the Superintendent of Banks

HOYT D. EDGE, President.
Date of Charter: 5-6-1943

ERNEST Z. CROWLEY, JR. Cashier
Began Business: 6-1-1943

ASSETS ca~h. balances wi"th oth('r hanks, ]n-
cluding reserve balances. and cash i terns in proces<; of collection Cnited State's Government obligations. direct and ~uaranteed Ohli~ations of Stat<'S and political
subdivision<; Oth<'r bonds, notes, and debf'nturf's Corporate stocks (including- ::tock of
Federal Rrscrve Bank) Loans and discounts (including over-
drafts) Bank premises ownPd, furniture and
fixtures Real estate owned other than bank
prf'miscs lnvestm<'nts and othf'r assets indi-
rC'rtly representing hank pr<'mis<'s
nr oth<'r real estate Customers' liability to this bank on
acceptances outstanding
Other Assets

4,365,478.56
7,786,675.9~
3,008,987.56 None
11,700.00 16,788,698.07
155,930.94 167,378.75
500,000.00 None
145,551.17

Total Ass<'ts

$ 32,930,401.04

LIABILITIES Dnnand d(posi ts Time dcposi"t~ Deposits of C. S. Government Deposits of States and political :.uh-
divisions
Deposits of hanks Other deposits (ccrtifif'd and officer~
checks, etc.)
Bills payable Arceptanc<'s f'XC'ruted by or for ac-
count of this hank and outstanding-
Otht'r liabilities Capital Surplus
Undivid<'d profits
Res<'rve~

14,961,506.11 9,241,373.02 772,706.05
1,502,715.38 1,726,380.14
383,465.57 None
None 1,017,777.27 1,000,000.00 1,000,000.00
818,363.79 506,113.71

Total Liabilities.............. $ 32,930,401.04

6

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

FIRST STATE BANK A TRUST COMPANY

Albany, Ga.

As called for by the Superintendent of Banks

J. R. PINKSTON,

H. R. KING, JR.,

President.

Cashier.

Date of Charter: 3-31-1961

Began Business: 3-31-1961

ASSETS Cash, balances with otht>r banks, in-
cluding n~~ervc balances, and cash
itcm'i in process of collection Cnited Stat<'~ Governme-nt obliga-
tions. dirf'ct and guaranteed Obligations of Statts and political
subdiYisions Other bonds. notes. and dcbentun~ Corporatf' stocks (i-ncluding ~,tock of
Federal Re~erve Bank)
Loans and discounts (including overdrafts)
ILwk prcmi~es ov.;rt;d, furniture and
fixtures
Real estate owned other than hank
prcmi~1s
Invcstmtnt~ and othf'r :1ssets lndircctly rcprc~cnting hank premises
or otht'f rf'al estate
Cu:-.tomcr:-.' ]iabilitv to this bank on
acceptances outsianding Otlwr Assets

5,449,282.28 4,953,705.90 1,718,442.35
201,750.00 None
12,755,371.22 404,727.19 None
100,000.00 None
247,526.85 25,830,805.79

LIABILITIES

Dt'mand df'pnsits

Time depmi ts

Deposits of U. S. Govcrnmf'nt

Deposits of States and political sub-

divisions

Deposits of banks

. . . ..

Other deposits (certified and officers'

ch<'cks, etc.)

Bills payable

AcccptancC's executed by or for ac-

count of thi~ bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

11,114,398.98 7,765,965.64 206,695.91
2,315,809.13 902,945.60
149,054.02 None
None 1,037,006.73
775,000.00 9 75,000.00 238,929.78 350,000.00

Total Liabilities.

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE FOUR COUNTY BANK Allentown, Ga.

As called for by the Superintendent of Banks

A. T. LAND, President.
Date of charter: 8-18-1941

JOHN E. FREEMAN, Cashier.
Began Business: 9-15-1941

ASSETS

Cash. balances with other banks, in-

cluding rcscrve balances, and cash

it('ms in process of collr-ction

Cnitcd Statr-s Govcrnmcnt obliga-

tions. direct and p;uarantr-cd . Obli~ations of States and polit1cal

~ubdivisions

Othr-r bonds, notes, and dcbenturcs

Corporate stocks (including stock of

Fcdcral Reserve Bank)

Loans and discounts (including ovcr-

drafts)

Bank premises owned, furniture and

fixturcs

.

.

Rcal cstatc owned other than bank

pnmiscs

.

. ..

Inve~tments and other assets indi~

rcctly representing bank premises

or other real estate

Cu~tomcr~' liability to this bank on

acceptances outstanding

Other As::.ets

Total Assets

582,123.06 1,014,305.31
21,175.40 74,875.00
None 1,294,853.88
39,300.18 None
None None 1,433.55 3,028,066.38

LIABILITIES Demand deposits
Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks . . . . .
Other deposits (certified and officrrs' checKs, etc.)
Bills payable Acceptances executed by or for ac-
count of this bank and outstanding .. Other liabilities Capital Surplus Undivided
Rest"FVr"S

988,609.72 1,232,145.34
42,646.05
419,536.18 27,859.81
3,691.27 None
None 52,129.08 50,000.00 150,000.00 61,448.93
None

Total Liabilities

3,028,066.38

1

FORTY-FOURTH ANNUAL REPORT

7

STATEMENT Showing condition at the close of business December 31, 1963, of

ALMA EXCHANGE BANK Alma, Ga.

As called for by the Superintendent of Banks

VALENE BENNETT,

E. P. LEE,

President.

Cashier.

Date of Charter: 9-30-1939

Began Business: 10-14-1939 = = = = = - = = = = - . = - - - - - - = = - -- - -

ASSETS Cash, balancr-s with other banks. in-
cluding rr-serve balances, and cash itt>ms in procf'ss of collection United State's Government obligations. direct and guarantt>ed Obli~ations of States and political subdivisions Other bonds. notes, and d'bentures CorporatC' stocks (including stock of Federal Resene Bank) Loans and discounts (including overdrafts) Bank premists owned, furniture and fi:'\tures
Real estate own('d othrr than bank premises
Innstments and oth'r assets indirectly rrprf'senting bank premises or otlwr rf"al estate
Customers' liability to this bank on acceptances outstanding
Other AssPts

686,477.00 707,437.50 276,453.0R
50,000.00 None
2,200,042.73 40,000.00 5,907.54
None None 5,643.00

LIABILITIES

Demand deposits

.$

Timf' deposits

Deposits of U. S. Govf'rnnlt'nt

Deposits of Statf's and political soh--

divisions

Deposits of hanks

Other deposits (certified and officers'

checks, etc.)

Bills payabh-

Acceptances executed hy or for ac-

count of this hank and outstand-

ing

Oth<'r liabiliti('s

Capital

Surplus

Undivided profits

RC'serves

1,172,485.44 1,799,677.70
51.258.31
417,105.35 224.318.14
24,313.27 None
None 15,000.00 125,000.00 75,900.00 66,902.64
None

Total AssPts

3,971,960.R5

Total Liabilities

3,!)71,960.Rfi

STATEMENT

Showing condition at the close of business December 31, 1963, of

CITIZENS STATE BANK Alma, Ga.
As called for by the Superintendent of Banks

H. T. LEE, President.
Date of Charter: 4-2-1951

ALBERT A. PITTS, Cashier.
Began Business: 5-1-1951

ASSETS

Cash, balances with other banks, in-. eluding reserve balances, a~d cash

itf'm'i in process of collection. $

Unitt>d Statr-s Government obliga-

tions, direct and guaranteed. .

Obli'Sations of Statr-s and poht1cal

subdi,isions

Other bon Corporate

dsst~cnkost

e(si,nacnluddidnegbe~n.ttoucrke

s of

FPtleral Reserve Bank)

Loans and discounts (including onr-

drafts)

Bank prC'miscs owned, furniturf' and

fixtures

..

..

Real estate owned other than bank

premises

.

Investments and othf'r asst'ts indi-

rectly represt>nting bank pnmiscs

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

3!)8,004.37 7!)4,035.00 389,!)06.45
50,000.00 None
I.33G,387.12 55,330.97 None
None None None

LIABILITIES Demand deposits Time deposits Deposits of U. S. Govcrnm:nt Deposits of States and political sub
divisions Deposits of banks Othr-r deposits (certified and officers'
checks, etc.) Bills payable Acceptances eXP('U ted by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits R('s{'rvcs

1,139,34 !.36 1,372,035.68
25,632.14
191,849.17 None
8,139.61 None
None 47.148.06 100,000.00 100,000.00 18,517.89 20,000.00

Total Assets

3.022,663.91

Total Liabilitif's

3,022,663.91

--------~-------------------------------

8

DEPARTMENT OF BANKING

----------------------

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK OF ALPHARETTA Alpharetta, Ga.

As called for by the Superintendent of Banks

RALPH H. KIRBY, President.
Date of Charter: 2-6-1920

RALPH H. KIRBY, Cashier.
Began Business: 4-12-1920

ASSETS

Cash, balances with other banks, in-

cludin$' reserve balances, and cash

items m process of collection . $

Unitt.>d States Government obliga-

tions, direct and guaranteed Obli~ations of Statrs and political

subdivisions

.... ..

Other bonds, notes, and debentures

Corporate stocks (including 5tock of

Fcueral Reserve Bank) . .

Loans and discounts (including over-

drafts)

.

Rank premises owned, furniture and

fixtures . . . . . . . . . ...... .

Real rstatc O\VOPd other than bank

premises

.

.

Investments and other assets indi-

rectly representing bank prC'mises

or other real estate

Customers' liability to this bank nn

acceptances outstanding

Other Assets

Total Assets

43~.004.51 760.~42.25
8,169.D2 100,000.00
None 1,525,454.01
35,093.16 None
None Non(> 9,782.47 2,878,446.32

LIABILITIES
Demand dl.'posi ts Time deposits Deposits of C. S. Government De~o~i~s of States and political sub-
divisiOns Deposits of banks Other dcposi ts (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits Reserves

1,209,3:32.41 867,993.94 122,867.24
221,740.11
149,84~.40
28,441.65 None
None 115,721.!)7 100,100.00
60,000.00 2,400.00 None

Total Liiobilities

2,878,446.32

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF COMMERCE Americus, Ga.
As called for by the Superintendent of Banks

CHARLES F. CRISP, President.
Date of Charter: 10-13-1891

J. R. BUCHANAN, JR., Cashier.
Began Business: 1-2-1892

ASSETS

Cash, balances with other banks, in-

cluding- reserve balances, and cash

items 1n process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

!'.ubdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prf'mises own('d, furniture and

fixtures

... ... .. ..

Real estate owned othrr than bank

premis('s

....

I nvcstments and othrr ass('ts indi

rrctly rcpres('nting bank premises

or otht'r re-a] t'statc Customers' liability to

this

b~nk

ln

accC"ptances outstanding

Other Assets

1,511,907.81 1.962,167.25 1,935,569.09
661,657.56 None
3,064,179.76 118,484.67 None
None None None 9,253,966.14

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub~

divisions .

Deposits of banks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances exrcuhd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

4,250,406.77 2,109,067.70
118,713.00
1,418,421.00 141,414.53
15,451.93 None
None None 200,000.00 300,000.00 282,491.21 418,000.00

Total Liabilitit's

9,253,966.14

FORTY-FOURTH ANNUAL REPORT

9

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK OF AMERICUS Americus, Ga.

As called for by the Superintendent of Banks

S. R. HUNTER,

M. E. FERGUSON,

President.

Cashier.

Date of Charter: 2-20-1937

Began Business: 3-25-1937

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

it<'ms 1n process of collection $

United Statcs Govt'rnment obliga-

tions. direct and guaranteed Obli~ations of Statcs and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeUeral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prcmises owned, furniture and

fixtures

.. .

.

Real estate owned other than bank

premis<'s

.. .

...

ln\Tstmrnts and other assets indi-

rectly representing bank premises

or other real estate

Cu!.tomcrs' liability to this bank on

acceptances outstanding

Otbcr Assets

Total Assets

.$

1,755,783.66 1,667,927.64 1.058,226.25
400,000.00 None
4,071, 7 44.34 48,292.17 None
100,000.00 None
28,004.88 9,130,978.94

LIABILITIES Demand deposits Time deposits
Deposits of U. S. Governm--nt Deposits of States and political ~uh~
divisions Deposits of banks Other deposits (cl'rtifiecl and offic<'rs'
<'heck.s, etc.) Bills payahle i\.ccr-ptan('es executed by or for a<-
count of this bank and out:-.tanding Other liabilities Capital Surplus Undivided profits Rcsenes

5,167,720.38 1,931,316.64
200,660.07
1,118,124.59 None
1,264.43 None
None 39,349.96 200,000.00 200,000.00 87,135.48 185,407.39

Total Liabilities

9,130,978.94

-------------- ---

STATEMENT Showing condition at the close of business December 31, 1963, of

BOSTWICK BANKING COMPANY Arlington, Ga.

As called for by the Superintendent of Banks

W. E. BOSTWICK, President.
Date of Charter: 8-27-1935

CARL CLEMENTS, Cashier.
Began Business: 3-1-1936

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obligations, direct and .~uarantccd . .
Obli~~tions of States and political

subdivisions

Other bonds, notes, and debentures Corporate ~tocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premisr-s owned, furniture and

fixtures

.. ... .. .

Real estate owned other than hank

premises

.

.

....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

254,291.32 765,216.35
None 48,000.00
None 602,711.57
1,324.75 None
None None None 1.671,543.99

LIABILITIES Demand deposits Time deposits Deposits of U. S. Governm .. nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac~
count of this bank and outstanding
Other liabilitit>s Capital Surplus Undivided profits Reserves

1,000,572.14 170,365.26 8,035.43
335,025.78 None
Non(' None
None 10,500.00 50,000.00 71,000.00 11.401.85 14,643.53

Total Liabilities

1,671,543.99

10

DEPARTMENT OF BANKING

----

STATEMENT

Showing condition at the close of business December 31, 1963, of

ASHBURN BANK Ashburn, Ga.

As called for by the Superintendent of Banks

H. G. BARBER, JR.,

VIRGIL JONES,

President. Date of Charter: 7-3-1900

Cashier. Began Business: 7-1900

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash item" in process of collection $ Cnited States Govcrnmrnt obligations, direct and guaranteed Obli~ations of States and political subdivisions Othrr bonds, notf's, and debentures Corporate stocks (including ~.;tock of FeUrral Rc~crvc Bank) Loans and di~counts (including overdraft,) Bank premise's ownPd, furniture and fixtur('s Real estate own<'d othtr than bank premises Jnvcstmrnts and other assets indiITCtly nprcsenting- bank premi~cs or othPr rPal cstatP
CustomPrs' liability to this bank .,n
acceptances outstanding Other A>Sets
Total Assets

222,355.51 1,089,571.2.)
433,564.42 2 99,7 81.2 5
None 2,769,895.04
55,077.69 None
None 22,000.00
3,071.79 4,895,316.95

LIABILITIES Demand deposits Timt' deposits DPpO!lib of U. S. Governm--nt Deposits of States and political :mb-.
divisions Deposits of hanks Other deposits (certified and officers'
checks, etc.) Bills payable
Accpptanccs executed by or for account of this bank and outstanding
Other liabili tics Capital Surplus
Undivided profits Reserves

1.923,350.06 2,041,215.35
144,671.40
287,618.16 None
34,503.45 None
22,000.00 47,771.06 100,000.00 150,000.00 144,187.47
None

Total Liabili tics

. $ 4,895,316.95

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS BANK OF ASHBURN Ashburn, Ga.

As called for by the Superintendent of Banks

JAMES H. PATE, President.
Date of Charter: 7-27-1905

GREER MONROE, Cashier.
Began Business: 10-25-1905

ASSETS

Cash. balances with other banks, in-

clUding reserve balances, and cash

items in process of collection $

UnitPd States Government obliga-

tions. direct and guaranteed Obli~ations of StatPs and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Felkral Reserv' Bank)

Loans and discounts (including over-

drafts)

.

Bank premises owned, furniture and

fixtures

. . .. ..

Real estate owned othf'r than bank

premises

. ..

.

..

Investments and other assets indi-

rectly representing bank premises

or othPr real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

016,145.18 647,525.00 195,96R.03
None None 2,531,070.12 60,57 4.66 None
None None None 4,351,282.99

LIABILITIES Demand deposits Time depo-,its Depmits of U. S. Governm"nt Deposits of Statf's and political sub-
divisions Deposits of banks Othf'r deposits (certified and officers'
checks, etc.) Bill, payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided Reserves

1,736,606.91 1,997,050.40
12,270.70
311,811.81 None
4,516.68 None
None None 100,000.00 100,000.00 89,026.49 None

Total Liabilities

4,351,282.99

FORTY-FOURTH ANNUAL REPORT

11

STATEMENT

Showing condition at the close of business December 31, 1963, of

HUBERT STATE BANK Athens, Ga.

As called for by the Superintendent of Banks

CLARENCE R. McLANAHAN, President.
Date of Charter: 9-24-1949

ROBERT G. BOSWELL, Cashier.
Began Business: 11-1-1949

ASSETS

Cash, balances with other banks, in-

cluding 1eserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock ()f

Fecleral Restne Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furnitnn and

fixtures

. ..

...

Real estate owned othPr than bank

premises

Investments and other assets indi-

rectly representing bank premises

or other real estate

Cm,tomcrs' liability to this bank m

acceptances outstanding

Other Assets

731,205.79 979,116.33 555,786.10 269,848.50
None 2,370,853.40
35,100.84 20,000.00
10,260.00 None
24,246.56

Total Assets

4,9%,417.52

LIABILITIES Demand deposits Time deposits Deposits of U. S. Governm~"nt Deposits of States and political sub-.
divisions Deposits of banks Other deposits (certified and offietrs'
checks, etc.) Bills payable Acc('ptances executed by or for ac-
count of this bank and outstand-

2,123,260.74 1,448,977.50
116,233.66
701,283.47 14,540.9 5
18,772.47 None
None 168,651.58125,000.00 210,000.00
69,697.15 None

Total Liabilities

4,996,417.52

STATEMENT Showing condition at the close of business December 31, 1963, of

AMERICAN BANK OF ATLANTA Atlanta, Ga.
As called for by the Superintendent of Banks

THURMAN M. WALDROP, President.
Date of Charter: 12-5-1934

MRS. MARY V. FULLINGTON, Cashier.
Began Business: 1-1-1935

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . .$

United States Government obliga-

tions, direct and guaranteed . Obli~ations of States and political

subdivisions

. . ....

Other bonds, notes, and debtntures

Corporate stocks (including stock of

Fetleral Rf'scrve Bank) Loans and discounts (includin~ over-

drafts)

Bank pnmis('s owned, furniture and

fixtures

. .. . .

Real estate ownrd oth('r than bank

prrmises

.

.

Investments and other asse~ indi-

rectly representing b3nk premises

or other TC'al estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

461,887.27 723,541.53
None None None None None None
None None None 1,185,428.80

LIABILITIES Demand deposits Time deposits Deposits of U. S. Gm:C'rnmnt Deposits of States and political :mb-
divisions D<'posits of banks
Other deposits (certified and officers' checks, etc.)
Ilills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilitiC's Capital Surplus Undivided profits
Reservt~s

731,000.00 None None
None None
Nome None
Nonf' 11,063.62 100,000.00 20,000.00 312,312.82 11,0!;2.36

Total LiabilitiC'"

1,185,428.80

12

DEPARTMENT OF BANKING

STATEMENT Showing condition at tne close of business December 31, 1963, of

THE BANK OF GEORGIA Atlanta. Ga.
As called for by the Superintendent of Banks

JOSEPH E. BIRNIE, President.
Date of Charter: 11-27-1933

R. WINSTON CAGLE, Cashier.
Began Business: 12-6-1933

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $ 8, 705,229.38

United States Government obliga-

tions. direct and guaranteed

10,623,685.11

Obligations of States and political

subdivisions

....

2,183,244.90

Other bonds, notl's, and debt>nturcs

704,212.6~

Corporate stocks (including :;tock of

Fetlcral Reserve Bank)

111,000.00

Loans and discounts (including over-

drafts)

36,921,239.52

Bank pnmiscs owned, furnitur' and

fixtures

. .. ... ..

1,487,744.00

Real estate owned other than bank

premis('s

None

Investments and other assets indi-

rectly representing bank pr('miscs

or other real estate Customers' liability to

this

b~nk

on

None

acceptances outstanding

None

Other Assets

202,724.45

Total Assets

60,939,080.05

LIABILITIES Demand deposits Time deposits
Deposits of U. S. Governmnt Deposits of States and political sub-
divisions Deposits of banks Other deposits (c('rtified and offinrs'
checks, etc.) Bills payable
Acceptances executed by or for ac count of this bank and outstand ing
Other liabilities Capital Surplus Undivided profits Reserves

22,090,144.15 19,024,238.69
1,147,322.28
10,113,3 88.3 8 345,210.39
441,596.4g None
None 3,622,771.58 1,500,000.00 2,200,000.00
354,408.10 100,000.00

Total Liabilities

$ G0,939,oso.o~;

STATEMENT

Showing condition at the close of business December 31, 1963, of

CITIZENS TRUST COMPANY Atlanta, Ga.

As called for by the Superintendent of Banks

L. D. MILTON, President.
Date of Charter: 7-12-1921

M. W. HOUSTON, JR., Cashier.
Began Business: 8-17-1921

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in proctss of collection $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other hoods, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loan-. ancl, discounts (including over

drafts)

Bank premises owned, furniture and

fixtures

..

Rtal e~tate owned other than bank

premises

.

.

..

Investments and othf"r assets indi

rectly representing bank prem;ses

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

2,220,1'19.77 1,388,293.53 2,270,223.19
901,076.97 23,250.00
5,467,603.23 85,988.84 35,011.00
None None 58,520.25

Total A~sets

12,450.146.78

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Govtrnment

Deposits of States and political :.uh

divisions

Df'posits of banks

Other deposits (certifif'd and officer~'

checks, etc.)

Bills payable

Acceptances C'Xecuted by or for a<>

count of this bank and outstand

ing

Other liabilitiC's

Capital

Surplus

Undivided profits

Reserves

5,079,805.19 1;,285,881.02
274,814.35
362,247.60 196,664.13
135,228.54 None
None 201 '778.48 3 7 5,000.00 400,000.00 106,727.47
32,000.00

Total Liabilities

12,450,146.78

FORTY-FOURTH ANNUAL REPORT

13

STATEMENT Showing condition at thf' close of business December 31, 1963, of

GEORGIA SAVINGS BANK AND TRUST COMPANY Atlanta, Ga.
As called for by the Superintendent of Banks

JOHN E. OLIVER, President.
Date of Charter: 10-26-1889

R. E. GORMLEY, Vice President.
Began Business: 9-1-1899

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obli~ation<> of States and political

subdivisions

.... .

Other bonds, notC's, and debentures

Corporatt> stocks (including stock of

Felh-ral RPserve Bank)

Loans and discounts (including over-

drafts)

Bank premis's owned, furniture and

fixtures

.. ...

.. ..

Real cs.fate owned oth('r than bank

prem1ses

. ..

..

Invcstments and other assets indi-

rectly representing bank premises

or other rcal estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

668,773.63 3,921,521.25 1,969,975.42
59,428.47 643,368.53 10,513,696.57
90,001.00 None
None None None

Total Assets

17,866,764.87

LIABILITIES DPmand deposib Time deposits Dcpo~its of U. S. Governm--nt Deposits of Statc..s and political sulv
divisions .
Deposits of banks
OthC'r deposits (certifi'd and officers' checks, ctc.)
Bills payable
Acceptanets extcuttd by or for ac count of this bank and ouhtanding
Other liabilities Capital Surplus
Undivided profits R'serves

65,937.03 13,144,476.09
8,768.50
297,195.45 202,000.00
3,443.00 None
None 9,644.63 500,000.00 1,000,000.00 312,106.42 2,323,193.75

Total Liabilities

.$ 17,866.764.87

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE PEOPLES BANK Atlanta. Ga.

As called for by the Superintendent of Banks

C. B. WHITAKER, President.
Date of Charter: 8-13-1935

T. B. McLEOD, Cashier.
Began Business: 8-31-1935

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash items 1n process of collection . .$

United States Government obligations, direct and guaranteed

Obligations of Statt>s and political

subdivisions

. . ....

Other bonds, notes, and debentures

Corporate stocks (including :;tock of

Federal Reserve Bank)

Loans and discounts (including overdrafts)

Bank premises owned, furniture and fixtures . . . . . . . .

Real estate owned other than bank premises

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding Other Assets

1,057,085.41 2,159,179.75
630,387.71 377,456.98
None 5,862,158.84
38,593.13 None
None None 39,302.55

10,164,164.37

LIABILITIES Demand deposits Time deposits Deposits of U. S. Governmr>nt Deposits of States and political :-uh-
divisions Drposits of banks Othrr deposits (certified and offinrs'
checks, etc.) Bills payable Acceptances e:xC'cuted by or for ac-
count of this bank and outstanding Othrr liabilities Capital Surplus Undivided profih Rrscrvcs

3,647,523.18 5,210,553.14
110,635.36
40,000.00 None
24,498.49 None
None 112,445.34 200,000.00 200,000.00
55,541.16 562,967.70

Total Liabilities

$ 10,164,164.37

14

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of

SOUTH SIDE ATLANTA BANK Atlanta, Ga.

As called for by the Superintendent Df Banb

B. H. THOMPSON, President.
Date of Charter: 1-31-1912

J. W. WELLONS, Cashier.
Began Business: 7-1-1929

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in procc-ss of collection

$

lJnitrd States Government obliga-

tions. direct and guaranteed Ohli~ations of States and political

subdivisions

Other bonds, notes) and debentures

Corporate ~tock' (including ~tock of

Ff'Jcral Resf'rvc Bank)

Loans and discounts (including oYcr-

dnuts)

Bank premises ov;n('d, furniturc and

fixtures

..

Real (~state owned other than hank

prcmisf's Innstments and other as~ets indi-

rcctly reprcsf'nting bank prf'mises

or other rf'al cstatr

Customers' liability to thi<; bank on accf'ptances outstandin~

Other Assets

1,494,989.93 3,649,169.37
594,27 4.05 25,000.00 None
4,858,237.01 117,338.72 None
75,000.00 15,605.41 14,466.28

Total Assets

" 10,844,080.77

LIABILITIES Demand (kposits Time deposits
Deposits of e. S. Governmr-nt
Deposits of States and political subdivisions
Deposits of banks Other deposits (cf'rtificd and officer"'
checks, etc.) Bills payable Acceptances executed by or for ac.
count of this bank and ouhtand-
ing Other liabilities Capital Surplus Undivided profits Res<'rves

3,964,343.37 4,439,953.83
154,125.07
785,000.00 445,010.40
59,504.56 None
15,605.41 156,355.08 300,000.00 300,000.00 224,183.05
None

Total Liabilitie<>

$ 10,844,080.77

STATEMENT Showing condition at the close of business December 31, 1963, of

TRUST COMPANY OF GEORGIA Atlanta, Ga.
As called for by the Superintendent of Banks

GEO. S. CRAFT, President.
Date of Charter: 9-21-1891

STEVE H. BOMAR, Senior V. Pres. & Treas. Began Business: 11-8-1891

ASSETS

Cash. balanos \vith other hanks, in-

cluding reserve balances. and cash

items in proq's<., of collection $ 80,448,422.47

United States Govtrnment obliga-

tions. dirert and guaranteed

43,672,972.7:1

Obligation<; of State<; and politiral

subdivisions

19,631,174.73

Other bonds. notes, and debentures Corporate stocks (i'ncluding ~tock of

224,312.50

Fnlnal Reserve Bank)

640,000.00

Loam, and discounts (including over-

drafts)

1 i1,414,436.81

Bank premises ownPd, furniturr and

fi"Xhtres

6,1R5,GG3.3D

Real Pstate ownrcl other than hank

pn'misrs Investments and other as~Pts indi-

None

JTctly representing bank prTmises

or othrr Tt'a) estate Cmtom<'r~' liability to this bank on

1\onc

accrptancPs outstandin~

77,121.43

Other Assets

3,19.1,';36.4 7

Total Assets

$3 2 5,4 8 9,2 40.59

LIABILITIES DPmand d1'po~it~ Time deposits Deposits of C. S. (;o\crrllll 'Ill
Deposib of States and political :-uh
divi..,ion' Deposits of hank" Oth('r deposit:-. (ccrtifil'd and offir('n
checks. de.) llilh payable Acc<'ptances I'Xccntld by or for ac~
count of this hank and nnt<..tand-
ing OthPr liabiliti('s Capital Surplus Undivided profit-; Restnes

145,295,999.72 67,944,167.68 10,495,015.49
27 ,97S,239.38
37,785,8~8.46
4,274,101.68 None
i7,121.43 4,677,858.7\J 5,000.000.00 15,000,000.00 4,277,089.7 3 2,683,813.23

Total Liabilitie~

:;;325,489,240.59

FORTY-FOURTH ANNUAL .REPORT

15

STATEMENT Showing condition at the close of business December 31, 1963, 'of

GEORGIA RAILROAD BANK & TRUST COMPANY Augusta, Ga.

As called for by the Superintendent of Banks

SHERMAN DRAWDY, President.
Date of Charter: 11-15-1892

W. T. ROX, Cashier.
Began Business: 12-31-1892

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items 1n process of collection $ 13,490,642.19

United States Government obliga-

tions, direct and guaranteed

18,994,906.37

Obli~ations of States and political

subdivisions

10,783,548.15

Other bonds, notes, and debentures

999,843.75

Corporate stocks (including stock of

Federal Reserve Bank)

205,000.00

Loans and discounts (including over-

drafts)

. . . 46,619,787.40

Bank prt>mises owned, furniture and

fixtures . . . . . . . . . . . . . 1,758,521.70

Real estate owned other than bank

premises

.

.

...

150,164.14

Investments and other assets indi-

rectly representing bank pr('miscs

or othf:'r real estate

None

Customers' liability to this bank on

acceptances outstanding

500.00

Other Assets

675,219.28

Total Assets

93,678,132.98

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. GovcrnmPnt

Deposits of States and political suh-.

divisions

Deposits of banks

Other deposits (ccrtifiPd and officers'

checks, etc.)

Bills payable .

.

Acceptances rxecutt'd by or for a{~

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

28,308,702.48 27,533,745.47
2,414,495.46
16,971,9 05.76 7,440,433.68
1,260,423.23 None
500.00 3,269,909.84 3,000,000.00 3,000,000.00
478,017.06 None

Total Liabilities

93,678,132.98

STATEMENT Showing condition at the close of business December 31, 1963, of
METROPOLITAN STATE BANK

Augusta, Ga. As called for by the Superintendent of Banks

CHRIS G. ANTONAKOS,
President. Date of Charter: 1-14-1963

ASSETS

Cash, balancPs with other banks, in-

cluding reserve balances, and cash

item-. in process of collection . $

Vnited States Government obliga-

tions. direct and guaranteed

Oblissations of States and political

subdivisions

Other bonds, notes, and debt'ntures

Corporate ~tocks (including :;;tock of

Federal Reserve Bank)

Loans and discounts (including ovrr-

drafts)

.

Bank premises owned, furniture and

fixtures

..

Real estate owned other than hank

premises

.

.

ln\'rstmcnts and other as~cts indi-

rectly representing bank premises

or other real r-statc Cu~tomn~' 1iability to this bank on

acceptances outstandint:;

Other Assets

305,502.58 '[95,632.6!
None NonE' None 736,437.63 90,%3.95 None
None NonP 6,622.83

JOHN C. JORDAN,

Cashier.

Began Business: 2-11-1963
-- ___ --~------=====c=-_- -------=--~~=

LIABILITIES Demand deposits Time deposits Deposits of l:. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable
Acceptances f"xecuted by or for account of this bank and outstanding
Other Iiabilitif's Capital Surplus Undivided profits RPser\'f'S

567,972.30 303,555.7G
12,450.64
157,296.76 None
1,861.80 None
Non(' 22,394.35 200,000.00 50,000.00 I \1,628.00
None

Total As<octs

~. 1,335,15il.61

Total Liabilitie~

~ 1.335,159.G1

16

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

REALTY SAVINGS BANK Augusta, Ga.

As called for by the Superintendent of Banks

J. LEE ETHERIDGE, JR., President.
Date of Charter: 12-23-1933

J. EDWARD SHEPPARD, Cashier.
Began Business: 12-23-1933

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items In process of collection . .

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .

Loans and discounts (including over-

drafts)

....

. ..

Bank premises owned, furniture and

fixtures .. . . . ... . .

Real estate owned other than bank

premises . . . . . ...... .

Investments and other assets indi-

rectly representing bank premises'

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

254,808.7 4 627,281.27 1,329,962.19
None 31,664.23 6,350,582.77 20,586.21 32,991.76

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions
Deposits of banks . . Other deposits (certified and offict>rs'
checks, etc.)
Bills payable Acceptanct>s executed by or for ac-.
count of this bank and outstand-
ing Other liabilities
Capital
Surplus Undivided profits Reserves

68,944.66 6,697,540.08
6,820.71
410,175.25 35,000.00
None None
None 9,148.40 200,000.00 300,000.00 921,060.52
None

812.45

None None

8,648,689.62

Total Liabilities

8,648,689.62

- - - - - - - - - - - - - - - - - - - ..------

STATEMENT Showing condition at the close of business December 31, 1963, of

RICHMOND COUNTY BANK Augusta, Ga.

As called for by the Superintendent of Banks

BARNEY L. JORDAN, President.
Date of Charter: 5-25-1955

HENRY B. McNORRILL, Cashier.
Began Business: 11-18-1955

ASSETS

Cash, balanct's with other banks, in-

dudin~ reserve balances, and cash

items m process of collection .. $

United States Government obliga-

tions, direct and guaranteed

Obli'l'ations of States and political

subdivisions . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJcral Reserve Bank)

Loano; and discounts (including over-.

drafts)

. . .....

Bank premises owned, furniture and

fixtures . .. . . .. . .. .. .. ..

Real estate owned other than bank

premisrs

.. . . .. .

1nH'5tmcnts and othrr assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acc<'ptanccs outstanding

Other Assets

Total As,.ts

704,882.60 1.0 2-2,7 86.9 2
289,855.72 None None
1,632,496.47 103,711.25 None
None None 27,126.58 3,780,859.54

LIABILITIES

Demand deposits

$

Time deposits .

. ..

Deposits of U. S. Government

DJi~f!f~n~f S~ate_s ~~d p~l~t~c~l. sub-

Deposits of banks Other deposits (certified and officers'
checks, etc.)
Bills payable Acceptances t"Xecuted by or for ac-
count of this bank and outstanding Other liabilities
Capital
Surplus
Undivided profits Reserves

1,305,833.90 661,445.34 26,873.43
365,427.68 860,293.73
56,347.65 None
None 121,851.39 180,000.00
70,000.00 32,786.42 100,000.00

Total Liabilities

3,780,859.54

____________F_O_R_T_Y_-_F_O__U_R_T_H_A_N_N_U_A_L_R_E__P_O_R_T_ _ _ _ _ _ _ _1~7

STATEMENT Showing condition at the close of business December 31, 1963, of

AUSTELL BANK Austell, Ga.

As called for by the Superintendent of Banks

ROBT. H. DUNLAP,
President. Date of Charter: 1-3-1910

BILLY H. MOORE, Cashier.
Began Business: 1-10-1910

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection .. $

United States Government obliga-

tions, direct and guaranteed . .

Obli~ati?f!S of States and political

subdiVISlOnS . . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.. . ..... .

Bank premises owned, furniture and

fixture . . . . . . . . . . . . . . . . . . .

Real f"state owned other than bank

premises

. . ..... . . . ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

685,409.49 2,311,659.62 1,226,106.68
260,100.00 None
3,393,162.43 146,860.01 36,984.80
None None 2,335.78 8,062,618.81

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government
Ddi~i!f~n~f S~ate.s ~nd politic~l. sub-

Deposits of banks .

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

.

Other liabilities

Capital

Surplus

Undivided profits

Rt>serves

4,189,141.39 2,886,108.60
145,536.59
234,642.93 None
49,187.82 None
None 92,705.67 212,500.00 187,500.00 65,295.81
None

Total Liabilities

8,062,618.81

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS AND SOUTHERN DEKALB BANK Avondale Estates, Ga.

As called for by the Superintendent of Banks

EUGENE T. JOHNSON,

WILLIAM D. SKINNER,

President.

Cashier.

Date of Charter: 11-16-1948

Began Business: 8-18-1949

======~~======-=============

ASSETS

LIABILITIES

Cash, balances with other banks, includin~ reserve balances, a!ld cash

Demand deposits Time deposits

$ 3,954,696.41 1,672,07 4.67

items m process of collectiOn . $ 1,244,241.68

Deposits of U. S. Government

202,626.84

United States Government obltga-

Deposits of States and political sub-

tions, direct and guaranteed . _.

2,077,278.44

divisions

162,148.01

Obligations of States and political

Deposits of banks

.

None

subdivisions

. . . . . . . . ..

447,696.96

Other deposits (certified and 'offict"rs'

Other bonds notes, and debentures

None

checks, etc.)

27,170.92

Corporate st'ocks (includiq.g stock of

Bills payable

None

Federal Rcs.rve Bank) . .

1,950.00

Acceptances executed by or for ac-

Loans and discounts (including over-

drafts)

. . ..

.

Bank premises owned, furmture and

fixtures ...

Real estate owned other than bank

premilies

.

.

Investml.'nts and other assets if!di-

rectly representing bank prl:'ffitses

3,087,626.51 24,919.38 None

count of this bank and outstand-

ing

.

Other liabilities

Capital

Surplus

Undivided

Reserves

None 409,845.00 200,000.00 200,000.00
45,458.52
114,891.10

or other real estate

..

50,000.00

Customers' liability to this bank on a~C('ptances outstanding

None

Other Assets

55,198.50

Total Assets

6,988,911.47

Total Liabilities

6,98R,911.47

18

DEPARTMENT OF BANKING
-------------------

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS BANK AND TRUST COMPANY Bainbridge, Ga.

As called for by the Superintendent of Banks

E. F. VICKERS, President.
Date of Charter: 11-8-1911

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed ..

Obligations of States and political

subdivisions

. . . . . . . ....

Otht"r bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

. . . .. .

Bank premises owned, furniture and

Rf!it~~~:te. ~~~~d ~the; .tha~ -b~~k

premises . . . . . . . . . ..... Investments and other assets indi-
rectly representing bank premises or other real estate Customers' liability to this 'bank .or
acceptances outstanding Other Assets

LEON D. CULVERSON, Cashier.
Began Business: 12-19-1911

----------=-=--~-'--===

1,383,871.46 2,814,812.12
311,219.80 110.218.75
10,500.00 2,308,823.81
77,663.30 None

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Rrserves

2,872,692.74 2,418, 729.08
59,095.10
1.061,928.59 161,526.80
13,059.31 None
None 52,942.86 200,000.00 150,000.00 59,389.37
None

None

None 32.254.61

Total Assets

7,049.363.85

Total Liabilities

7,049,363.85

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK Ball Ground, Ga.

As call-ed for by the Superintendent of Banks

B. R. JONES, President.
Date of Charter: 9-28-1926

EVERETTE CARTER, Cashier.
Began Business: 10-1-1926

ASSETS

Cash. balanc('s with other banks, inclu.din~ reserve balances, and cash

items 1n process of collection .. .$

L'nited States Government obliga-

tions, direct and guaranteed Oblie;ation~ of Stat~s and political

subdivisions

Other bonds, notes, and debentures

Corporat<' stocks (including stock of

Fcucral Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank prrmis's ownrd, furniture and

fixtures

.

.

..



Real 'state owned othn than bank

pr'miscs

.

ln\T~tmrnts and oth('r a:-.~cts indi-

rectly representing b:1nk prcmi~e:-.

or othf"r real estate

Cu~tomrn' Jiability to this bank on

acct'ptanccs outstandin~

Other As~cts

Total Assets

17 5,448.31 712,115.25
7 5,162.35 110,104.25
None 830,725.79
3,026.06 None
None None None 1,906,582.01

LIABILITIES

Demand df'posits

Time deposits

Depmits of U. S. Governm~nt

Deposits of States and political sub-

divisions

Deposits of banks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

818,916.26 538,054.30
34,473.82
207,328.36 None
8,663.99 None
None 21,385.00 45,000.00 105.000.00 82,760.28 45,000.00

Total Liabiliti<'s

1,906,582.01

FORTY-FOURTH ANNUAL REPORT

19

STATEMENT Showing condition at the close of business December 31, 1963, of

BAXLEY STATE BANK Baxley, Ga.

As called for by the Superintendent of Banks

STATEN S. LEWIS,
President. Date of Charter: 8-23-1917

E. 0. BRANCH, Cashier.
Began Business: 8-25-1917

ASSETS

Cash, balances with other banks, in-

duding rest>rve balances, and cash

itcms in process of collection

$

t:nitcd States Government obliga-

tions, direct and guarant('cd Obli~ations of StatC's and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJeral Reserve Bank)

Loans and discounts (including over-

drafts)

.. .

.

Bank premises owned, furniture and

fixtures

.. .. ..

.

Real estate owned other than bank

premises

.

.

Imcstmcnts and other assets indi-

rectly representing b:1nk premise~

0r other n'al estate Customer~' liability to this b:.1nk on

acceptances outstanding

Other Assets

Total Assets.

8 3 7, 70 5.12 1,284,871.62
298,476.53 550,231.77
None 1,437,975.54
41,173.62 None
None None 5,7 81.51 4,456,215.71

LIABILITIES Demand deposits Time deposits
Deposits of C. S. Govcrnm'"'nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable
Acceptances executed by or for account of this bank and outstanding
OthPr liabilities Capital Surplus
Undivided profits Rf'serves

2,699,828.21 857,451.27 6,682.49
431,045.51 59,189.04
17,3!)1.13 None
None 15,198.00 100,000.00 100,000.00 107,043.02 62.427,04

Total Liabilities

4,456,215.71

STATEMENT Showing condition at the close of business December 31, 1963, of

BLACKSHEAR BANK Blackshear, Ga.

As called for by the Superintendent of Banks

LEO J. ALLEN, President.
Date of Charter: 7-7-1892

H. M. MOODY, Cashier.
Began Business: 7-7-1892

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . .

Loam; and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . . . . . ..

Real estate owned other than bank

premises

.

..

Investments and other assets indi-

rectly representing bank premises

or other real estate Cu~tomcrs' liability to this bank m

acceptances outstanding

Other Assets

Total Assets

711,911.13 1,627,923.18
None 54,727.50
6,000.00 1,577,609.21
45,964.99 None
None None None 4.024,136.01

LIABILITIES

Demand deposits

,$

Time deposits

Deposits of U. S. Governm"'nt

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

by Bills payable
Acceptances executed

o~ .for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reservt>s

1,385,313.76 1,541,629.03
40,259.51
223,677.49 86,840.60
15,186.79 350,000.00
None 1,250.00 100.000.00 150,000.00 122,913.63 7,065.20

Total Liabilities

4,024,136.01

20

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

PEOPLES BANK Blackshear, Ga.

As called for by the Superintendent of Banks

ALVIN M. RATLIFF, President.
Date of Charter: 8-1-1946

J. A. McDUFFIE, Cashier.
Began Business: 8-5-1946

ASSETS

Cash balances with other banks, in-

clu'ding- reserve balances, and cash

item<; 'in process of collection $

Cnitcd States Government obliga-

tions, direct and ,e;uarantecd

Obligations of States and political

subdivisions

...._. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJeral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniturC' and

fixtures . . . . .

. ..

Real 'state owned other than bank

premises

.

. . ... .

Investments and other assets indi-

recdy representing bank premises

or othf"r rc-al Pstate Customers' liability to

this

b~nk

on

acceptances outstanding

OthPr Assets

Total Assets

$

702,298.18 1,328,753.45
646,583.17 None None
1.251.512.10 33,451.09 None
None None None 3,962,597.99

LIABILITIES

Demand deposits

Time deposits

Depm.its of U. S. Governm"nt

Deposits of States and political sub-

diYisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable

..

AcceptancPs executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Cndivided

Resenes

1,413,857.17 1,593,096.60
56,725.86
415,156.99 94,001.11
2,426.17 None
None None 100,000.00 100,000.00 187,334.09 None

Total Liabilitics

3,962,597.99

STATEMENT Showing condition at the close of business December 31, 1963, of

UNION COUNTY BANK Blairsville, Ga.

As called for by the Superintendent of Banks

E. S. DOCKERY, President.
Date of Charter: 2-18-1949

CATHERINE D. JARRETT, Cashier.
Began Business: 3-1-1950

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash itc-m'~ in process of collection $

United States Gonrnm('nt obliga-

tions. direct and guarantec-d

Ohli~ation-; of Stat('s and political

subdivisions

Other bonds, notes, and debentures CorporatP stocks (including ~tack of

Feurral Reserve Bank)

Loans and discounts (including overdrafts)

llank premises owned, furn~ture and

fixtures

.

. .. .

Real e!'.tatc owned other than bank

prC"misPs

Investments and othf'r asseh indi-

rectly representing bank prf'mi~es or other real e~tate Cn~tomc-r~' liability to this bank on

acrPptances outstanding

Other Assets

Total Assets

507,221.87 584,075.00
21,950.71 100,000.00
None 968,939.71
17,034.71 None
None None None 2,199,222.00

LIABILITIES

Demand deposits

Time deposits

Deposits of C. S. Governm"nt

Deposits of States and pol-itical sub-

divisions

Deposits of banks

Other deposits (certified and officf'r:-.'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing .

.

Other liabilities

Capital

Surplus

Undivided

Reserves

1.058,1i03.86 691,719.28 123,736.27
143,573.03 None
7,305.68 None
Non" 12,358.64 50,000.00 75,000.00 37,025.24
None

Total Liabilities

2,199,222.00

FORTY-FOURTH ANNUAL REPORT

21

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF EARLY Blakely, Ga.
As called for by the Superintendent of Banks

R. C. SINGLETARY, JR., President.
Date of Charter: 4-3-1941

E. T. CRAWFORD, Cashier.
Began Business: 4-28-1941

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection $

Cnited States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Oth('r bonds, notes, and debentures

Corporate stocks (including stock of

Fetlt'ral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises ownrd, furniturf' and

fixtures .

.. .

. .. ..

Rl'al estate ownl'd othr-r than bank

prl'mises

Investments and othl'r a:.;~cts indi-

rectly rl'prcsC'nting bank premises

or othC'r real estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets

Total Assets

610,081.70 1,016,659.87
86,82:).76 None None
1,377,048.19 44,040.48 None
None None 543.85 3,135,199.85

LIABILITIES

Demand dt>posits

Time deposits

Deposits of C. S. Governm~nt

Deposits of States and political sub.

divisions

Deposits of banks .

.

Other deposits {certified and officers'

checks, etc.)

Bills payable

Acceptanc's executed by or for ac-

count of this bank and outstand~

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

1,554,205.81 1,066,359.46
61,893.28
203,701.32 None
16,688.44 None
None 23,114.20 100,000.00 75,000.00 34,237.34
None

Total Liabilities

3,135,199.85

STATEMENT

Showing condition at the close of business December 31, 1963, of

FIRST STATE BANK OF BLAKELY Blakely, Ga.

As called for by the Superintendent of Banks

S. G. MADDOX, President.
Date of Charter: 5-6-1937

R. H. STUCKEY, Cashier.
Began Business: 5-15-1937

ASSETS

Ca!'h, balances with other banks, in-

cluding reserve balances, and cash

"itl'm.; in process of collection $

Cnited States Government obliga-

tions. direct and guaranteed

Ohli~ation" of Statcs and political

subdivisions

.. . .

Other honds, note's, and debentures

Corpnrate stocks (including ::.tock of

FeJcral Rt'serve Bank)

Loans and discounts (includin~ over-

drafts)

Bank premises ownrd, furniturc and

fixtures

Real <'~tate ownrd othC'r than bank

prC'mises

lnHstnH'nts and other as~ets indi-

t-ectly rcprC'senting bank premi.:.e~

or othrr real estate

Cu...tomen.' liability to this bank on

aeceptances outstandin~

Other Assets

Total Asscb

1,064,573.51 1,514,859.02
136,267.57 None
75,000.00 2,498,032.28
7,508.68 None
None None 19.91 5,296,260.97

LIABILITIES Demand deposits Time deposits Drpo:,its of U. S. Governm~nt Deposits of States and political sub-
divisions Deposits of banks Other deposits {ce-rtified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Oth<'r liabilitit's Capital Surplus Undivided profits Rl'srrves

2,817,282.41 1,532,036.46
151,281.13
258,168.22 5,843.28
25,147.81 None
None 22,157.46 100,000.00 160,000.00 133,395.35 90,948.85

Total Liabilities

$ 5,296,260.97

22

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

FANNIN COUNTY BANK Blue Ridge, Ga.
As called for by the SupPrintpndent of Banks

J. M. EATON, JR., President.
Date of Charter: 5-29-1916

JAMES PACK, Cashier.
Began Business: 6-6-1916

ASSETS

Cash, balancC's with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

Cnitcd States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporat(' stocks (including :.tock of

Fctkral Reserve Bank)

Loans and discounts (including overdrafts)
ll:1nk prrmi~cs owncd, furniture and fixtures

Rral estate owned other than bank

premises

.

.

...

lnnstnwnts and oth{'r a<;~f'ts indi-

otTrcotltyherreprfr'ea~l ccn~ttiantgc \J3nk premi~c:-.

C!la~ctTotm>rprtsan'cclsiabouiltistytantodinth~is bank on Other As~cts

Total Asset;

1,100,739.76 1,620,455.10
283,097.18 50,000.00 None
1,251.538.66 15.500.00 None
None None None 4.321,330.70

LIABILITIES Demand dcpusits Time deposits Deposits of U. S. Governmnt Deposits of States and political suh-
di\'isions Deposits of banks Other deposits (crrtificd and officer~'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits
Rf'SCT\'CS

1,529.910.22 2,031,785.R5
64,184.R6
303.318.77 None
5.995.79 None
None 52,965.65 100.000.00 150,000.00 63,169.56 20,000.00

Total Liabilities

4,321,330.70

STATK\IEKT Showing condition at the close of business December 31, 1963, of

PEOPLES BANKING COMPANY Boston, Ga.

As called fnr by the Superintendent of Banks

J. E. CROMARTIE,

MISS MARY R. LEAK,

President. Date of Charter: 1-29-1947

Cashier. Began Business: 4-1-1947

ASSETS Cash, balance~ with other banks, in-
cludin~ reserve balances, and ca~h itt.'lll'- in proce"s of collection Lniterl State~ Gonrnment obligations, direct and guaranteed Obli~ation'\ of State~ and political subdivision" Other hond:-.. noll'~, and debenture~ Corporate stocb (including ~tock of FeJL'ral Reserve Bank) Loan'\ anti di~cmmb (including over-
draft~)
Bank premi~o 0\.\"ned, furniture and fi,turn
Real ~tate owned other than bank premJsf's
lnn,tmcnts and other as~cb indirt'ctl~, rrprl'~rntin~ bank pr('mi~cs or other rt'al eqatt
Cu~tOllll'l"~' liability to 1bis bank llJ1 acceptance~ ouhtanding
Other A<."et'
----~

161,23R.12 244,875.00
Nonp 1 NonP None 242.762.17 4.640.99 3.3RR.75

LIABILITIES Df'mand dcpmits Time dcpo~it" Depo:--ib of lJ. S. Governm~nt Deposits of States and political sub-
divi~ions
Deposits of banks
Othf'r deposits (certified and officers' checks etc I
Bills pa;abl,:'
Acccptanccs executed by or for ac-
count of this bank and oubtandinrr Otht~r liabilitic<. Capital
Surplus Cndivided profit~
Rc~c-r\c,

~71,146.03
181,148.5R 11,125.38
30,000.00 None
None None
None l:lO.OO 25,000.00
1 o.ooo.oo
29,428.49 None

Non('

None 1.0 7:l.40

Total Liabilitie<.
--------------~--------

FORTY-FOURTH ANNUAL REPORT

23

~~---------------------------------------------------~-

STATEMENT Showing condition at the close of business December 31, 1963, of

COMMERCIAL BANK Bowdon, Ga.
As called for by the Superintendent of Banks

W. C. ROOP, President.
Date of Charter: 9-22-1926

W. A. BOWMAN, JR. Cashier.
Began Business: 9-22-1926

ASSETS Ca~h, balances with other banks, in~

eluding reserve balances, and cash itemc;, in process of colle-ction ~

Cnitrd States Government obliga-

tions. direct and guaranteed Obli~ation'i of States and political

subdivisions

....

Other bonds, notes, and debentures

Corporate stocks (including :;tack of

Ff'JC'ral Rcserve Bank)

Loans and discounts (including over-

drafts) Bank premises owned, furniture and

fixtures

Real estate mvncd other thai) bank

prC'mises Tnn~tnwnh and nthtT a:-~et~ indi-

rt'ctiy rcpiTsf'nting lnnk prf'lni~C's

or othC'r real C'statC'

Customrr-,' liability to thi:- bank on

acnptanrC'~ outstanding

Other As~cts

896,130.43 1,652,428.1R
267,223.20 None None
1,996,792.69 46.000.00 100.00
Nonp None 10,539.37

LIABILITIES Demand dPposits Time deposits Deposits of U. S. GO\..'ernmnt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officrr~
checks, etc.) Bills payable Acccptancrs exccutf'd by or for ac-
count of this bank and outstanding Other liabilitif's Capital Surplus Cndivided profits RnenTs

2,629,446.24 1,209,029.51
7B,814.50
468,671.95 None
12.93 None
None 153,063.91 100,000.00 100,000.00
64,910.63 65,264.20

Total Asseb

4,8h9,213.R7

Total Liabilitif's
----------

4,869,213.87 - - - - - - -~-----

STATE:'\1ENT Showing condition at the close of business December 31, 1963, of

BRASELTON BANKING COMPANY Braselton, Ga.

As called for by the SupPrinl;ndent of Hanks

H. F. BRASELTON,

JOHN 0. BRASELTON, JR.,

President. Date of Charter: 12-13-1948

Cashier. Began. Business: 12-18-1948

ASSETS

Ca~h. halancC's with other banks lncludin~ rc:'.eiTe balances, and ~a<;,h

item-. in procc~s of collection

~

L"n!tcd S~atl'"i Govt'rnmrnt obliga-

tion". cbrcct and guaranteed Obli~ation" nf Stat,.., and political

:-ubd;vision<;

...

Other bonds, note<;, and debentures C:o~pllrall :-;tock" (includin~ ~tock nf

F f'Jcnd Rnf'r\"C' Bank) Loan<. and cli~count<. ( includin~ over-
draft-.)

B1nk prC'mi:--c:-- O\\n~d, furniture and

fi:dures

H. I' a! ntate 0\\ nrd other than lx.tnk prcmi-.(s

lmf'<.tnwnh and other ~~:--~l'h indi1 l'f'tl\' rcpn''-l'ntin~ hank prcmi-.l's
or other rl'al 1'-.LHc

Ctl.~tiJllll'l :--' liabilitv to thi-. Junk on

acnptances out-.fandin<:.;.

Other A~-.eh

Total As<.cb

124,84o.42 il!I6,282.4G
4!l,O~ G.'ifi None None'
:Jo I.7:Ja.:n 1 ,G/0.!14
None
None NonC' None

LTABILITIES Demand depo.o.its Time deposit<; Dqw,its of C. S. GonTnmnt
DC'pmits of States and political subdivisions
Deposits of banks Other deposits (cC'rtificd and officer'
checks, etC'.) Bills payable Acccptancf_'s rxccutf'd by or for ac
count of this bank and outstanding Othl'r liabilities Capital Smplus Cndi\idcd profib Rc:,crns

421,684.07 275,000.00
:12.41
2fi,fifl0.2 \) Non('
H, 13 7 .fi 0 Nonl'
NonP
None 2ii,OOO.OO 7fi.OOO.OO
4~.174.fi!l No~w

Total LiaLilitic:,

24

DEPARTMENT OF BANKING

STATK\IE:\'T Showing condition at the close of business December 31, 1963, of

COMMERCIAL & EXCHANGE BANK Bremen, Ga.

A~ callt'd for hy tlw Sup!rinll'lHhnt of Hank~

J. S. McEACHERN, SR., President.
Date of Charter: 1-18-1949

CLARK STAPLER, Cashier.
Began Business: 2-1-1949

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

item" in process of collection $

Cnited States Govnnment obliga-

tions, direct and guaranteed .

Obli~ation<; of States and political

subdivisions

.. .. ..

Other bonds, notes, and debentures Corporate ~tacks (including stock of

Fedcral Reserve Bank)

Loans and discounts (including overdrafts)

Bank premises 0\\'0C'd, furniture and

fixtures



Real estate owned other than bank premises

Innstmcnts and other asscts indi-

r'ctly rcpresf'nting bank premises

or other real estate Cu~tomers' liability to this bank on

acceptances outstanding Other Assets

Total Assets

1,725,590.60 1,718,207.82
473,766.83 None None
1,921,569.29 30,141.9R None
None None 33,062.49 5,902,339.01

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governm"'nt

Deposits of States and political sub-.

divisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

'

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-.

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

3,724,404.57 1,091,946.89
297,25o.n
204.738.37 86,853.55
15,906.01 None
None 16,217.83 200,000.00 150,000.00 115,020.86
None

Total Liabilities

5,902.339.01

ST ATEME:\'T Showing condition at the clos~ of business December 31, 1963, of

FARMERS & MERCHANTS BANK Brooklet, Ga.

As called for by the Superintendent of Banks

T. E. DAVES, President.
Date of Charter: 2-4-1948

H. M. ROBERTSON, JR., Cashier.
Began Business: 2-17-1948

ASSETS

Cash, balanccs w cluding reserve

ith ba

other banks lances, and

~aisnh-

items in procC'ss of colkction $

Cnited States Govcrnm::-nt obliga-

tions. direct and guaranteed .

Obli~ation" of StatC's and political

subdivisions

.. . .

Other bonds, notC"s, and debentures

C.orporatC" :-;tocks (including stock of

in.kral Reserve Bank)

Loans and discounts (including on~r

drafts)

Bank prC'misrs own('d, furniture and

Rtfailxtuc~rteastc

. ownnl

othC"r

th.an

ba~k

premises

.

Imc~tmcnts and other as:.ds indi-

rectly rC"prcsC'nting bank premise:.

or other rC'al e:.tatc

Cmtom<'rs' liability to this hank on

acccptallCC's outstandin~

OthC"r Assets

Total AssC'ts

251.986.72 571,780.50
None 50,000.00
None 971,340.33
5,035.06 None
None None 4,979.28 1,R55,121.89

LIABILITIES

Demand dC"posits

Time deposits

Deposits of U. S. Govcrnm.. nt

Deposits of States and political sub-

divisions

Deposits of banks

.

Other deposits (certified and officC"rs'

checks. etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilitir-s

Capital

Surplus

Undivided profits

RrsC'rVC'S

864,604.59 718,359.32
7.735.84
59,311.97 None
9,664.17 None
None None 50,000.00 100,000.00 25,446.00 20,000.00

Total Liabilities

$ 1,855,121.89

FORTY-FOURTH ANNUAL REPORT

_ _ _25

STATEMENT Showing condition at the close of business December 31, 1963, of

HARALSON COUNTY BANK Buchanan, Ga.
As called for by the Superintendent of Banks

HARDY McCALMAN, President.
Date of Charter: 3-3-1909

H. G. RICHARDSON, Cashier.
Began Business: 3-4-1909

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itl:'ms il1 process of collection $

Cnited States Governmt:>nt obliga-

tions. direct and guaranteed

Obli~ations of States and political

subdivisions

.... .

Other bonds, notc-s, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premises owned, furniture and

fixtures

. . . .......... .

Real c:.tatc owned other than bank

premises

Investments and other assf'ts indi-

rrctly representing bank pnmise~

or other real estate

Customns' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

458,031.06 684,125.67
33,556.36 325,000.00
None 835,989.79
17,815.40 None
None None None 2,354,518.28

LIABILITIES

Demand deposits

$

Time deposits

Depmits of U. S. Governm--nt

Deposits of States and political sub-

divisions

Dcposi ts of banks

.

Other deposits (certified and officen'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Cndivided profits

Reserves

1,311,202.58 390,863.16 78,709.89
322,059.26 None
7,755.55 None
None
None 40,000.00 60,000.00 125,000.00 18,927.84

Total Liabilities

$ 2,354,518.28

STATEMENT Showing condition at the close of business December 31, 1963, of

BUENA VISTA LOAN & SAVINGS BANK Buena Vista, Ga.

As called for by the Superintendent of Banks

CLARKE W. DUNCAN, President.
Date of Charter: 9-22-1887

ARTHUR D. LOWE, Cashier.
Began Business: 9-1-1889

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

item<; in process of collection

$

lJnitcd States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fe<..leral Reserve Bank)

Loans and discounts (including over-

drafts)

. ..

Bank premises owned, furniture and

fixtures

. . ... ... .. .

Real estate O\vned other than bank

premises

Investments and other assets indi-

rectly representing bank prcmises

or oth'r real estate

Customen 1 liability to this bank nn

acceptances outstanding

Other Assets

421,276.91 954,975.76 216,729.06
95,000.00 None
1,030,883.38 2.00 1.00
None None 502.22

I.IABILITIES Demand deposits Time deposits Deposits of U. S. Governm nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officen.'
checks, etc.) Bills payable Acceptances cxccu ted by or for ac-.
count of this bank and outstand-. ing Other liabilities Capital Surplus Undivided profits Reserves

1,162,974.52 632,414.72 37,418.16
616,486.61 60,000.00
16,787.80 None
None 19,000.00 50,000.00 100,000.00 24,288.52
None

Total Liabilities

2,719,370.33

26

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

BUFORD COMMERCIAL BANK Buford, Ga.

As called for by the Superintendent of Banks

JOHN D. CARTER, President.
Date of Charter: 1-18-1946

FORREST PUCKETT, Cashier.
Began Business: 2-11-1946

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

item" in process of collection S

Cnited States GovcrnmC'nt obliga-

tions. direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fctleral Reserve Bank)

Loans and discounts (including over-

drafts)

B~nk premises owned, furniture and

fixtures

. .. . .

Real estate O\vned other than bank

premisf's

... .

Investments and other as~cts indi-

ITctly representing bank premises

cr othr-r real estate cu~tomcrs' liability to this bank on

ac-ceptances outstanding

Other Assets

780,815.27 !.)97,124.26 320,497.73
None None 2,166,553.78 63,007.30
1.00
None None 3,287.04

Total Assets

4,331,286.38

---------~---~~--------

LIABILITIES Dcman::l deposits Time deposits Deposits of U. S. Governm"nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (ccrtifiPd and officen.'
checks, etc.) Bills payable Acceptances cxecu ted by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus Undivided profits RPserves
Total Liabilities

2,265,342.09 1,106,905.98
114,690.88 463,626.56
None
26,147.15 None
None 30,793.29 100,000.00 100,000.00 73,780.43
None
4,331,286.38

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE CITIZENS STATE BANK Butler, Ga.

As called for by the Superintendent of Banks

JOHN J. NEELY, JR., Vice President.
Date of Charter: 9-4-1926

MAESAL E. CHILDRES, Cashier.
Began Business: 9-4-1926

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

item" in process of collection $

Cnitcd States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

.... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

FcJeral RPserve Bank)

Loans and discounts (including o\er-

drafts)

Ihnk premises owned, furniture and

fixtures

.. .

.

.

Real c~tatc owned other than bank

premises

lnvPstmcnts and othPr as::.l'ts indi-

rectl-y rPpresenting- bank premises

nr othfT real e~tate

C:u~tomers' liability to this bank on

acccptancPs outstanding

Other Assets

Total As~cts

899,766.65 544,400.00
10,366.75 None None
1,700,022.13 11,393.18 None

LIABILITIES Demand dPposits Time deposits Depo:,its of U. S. GoYernm--nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officer:-.'
checks, etc.) Bills payable Acct>ptances executed Ly or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Cndivided profits
ResenTs

None

None 89,298.13

3,255,246.84

Total Liabilities

---~-------------~

1,422,975.77 1,183,941.05
26,045.59 148,326.08 210,000.00
32,024.38 None
None 14,935.76 100,000.00 110,000.00
6,998.21 None
3,25Fi,246.84

1

FORTY-FOURTH ANNUAL REPORT

27

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF BYROMVILLE Byromville, Ga.

As called for by the Superintendent of Banks

0. W. KITCHENS, JR. President.
Date of Charter: 7-19-1920

J. D. LESTER, JR.,
Cashier. Began Business: 7-26-1920

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

i tern-; in process of collection $

Cnited States GovcrnmPnt obliga-

tions. direct and guaranteed

Obli~ationo;;; of States and political

~ubdivisions

Other bonds, notes, and debentures

Corporate :-;tacks (includin~ ~tack of

FcU.nal Reserve Bank)

Loans and discounts (including over-

draft~)

Bank pnmi~cs owned, furniturc and

fixtures

.

..

Real e~tatc owned other than bank

premises lnnstnH'nts and other a~:-.cts indi-

rectly reprC'scnting bank prcmi~c:-.

or other real P:-.tatc

Cm.tomcrs' liability to this bank on

acceptance:-. outstanUing

Other As:-.cts

Total Assets

$

177,791.43 84.542.25 19.584.08
124.375.00 None
543.140.25 5.508.04 None
None None 1.322.67 956,263.72

LIABILITIES
Demand deposits Time depo:-.its Depo.,its of C. S. Go\ernmnt Depo~ib of States and political sub~
di\i:-.ions Deposits of banks Other deposits (certified and officcn.'
chcck<i, etc.) Bills paid,]e AcceptancP~ executed by or for ac~
count of this bank and ouhtandin~ Other liabili tics Capital Surplus L'ndi\'idcd profits
Rc~cnTs

596.834.52 215.442.94
1,456.64
46.768.62 None
2.211.44 None
None 4.108.40 30.000.00 20.000.00 39.441.16
None

Total Liabilitil's

956.263.72

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF BYRON

Byron, Ga. As called for by the Superintendent of Banks

H. W. PEAVY, SR.,

President.

Date of Charter: 10-30-62

-~----~

----------~-~---'---'-'===

ASSETS Cash, balances with other banks, in~
eluding reser\'e balances, and ca~h item<; in prOCC'~s of collection $ Cnited States Government obliga~
tions. direct and guaranteed Obli~ation-; of States and political
subdivisions Other bond:::.. notes, and cldwnturcs
Corporate stocks (includin!S :,tock of
Fcdcral Reserve Bank) Lo::ms and di:::.counts (including over~
drafts) Bank premises own!..'d, furniture and
fixtures . . Real estate owned othC'r than bank
prC'mi:-.es ln\'C'Stmcnts and other assC'ts indi~
JTctly representing bank prcmi~es
cr other real e:-.tatc Cu:-.tonwrs' liability to this bank on
<!C'ct'ptancrs outstandin;-
Othrr Assets

135.645.22 124.965.10
None None None 1D2.173.23 13.877.62 None
None None 2.718.96

Total Assets

469.380.13

H. W. PEAVY, JR., Cashier.
Began Business: 2-4-63

LIABILITIES

Demand dPposits

$

Tirnc dcposi t:.;

Drpo,..its of L'. S. Governm'nt

Deposit:-. of States and political sub-.

di\isions

Deposits of banks

Other deposits (certified and officers'

dwcks, etc.)

Bilb payahlc

Acceptances executed by or for ac-.

count of this hank and outstand-.

ing

Other liabilities

Capital

Surplus

Undivided profits

Rc:::.rrn:;

205.492.34 53.197.40 9.105.73
87,091.37 None
91.23 None
None 15.787.22 50,000.00 30,000.00 18.614.84
None

Total Liabilitic<.~

469.380.13

28

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

CAIRO BANKING COMPANY Cairo, Ga.

As called for by the Superintendent of Banks

T. R. HESTER, President.
Date of Charter: 11-23-1903

G. G. THOMAS, JR., Cashier.
Began Business: 1-1-1900

ASSETS

Cash. balancrs with other banks, in-

cluding reserve balances, and cash

items in process of collection . S

Cnitcd States Governmrnt obliga-1 tions. direct and guaranteed
Obli~ation" of States and political

subdivisions

Other bonds, notes, and debentures Corporate :;;tocks (including ~tock ()[

FcJeral Rescne Bank)

Loans and discounts (including over-

drafts)

Bank premises ownrd, furniture and

fixtun'~

.

. ..

Real estate owned other than bank

premises lnn'stnwnts and oth('r a~:.cts indi~
rrctly representing bank premi~e~

or other real e~tatc

Customers liability to this bank Pn

acceptances outstanding

Other Assets

1,206,970.37 1,845,843.75 1,134,691.16
None None 3,184,624.77 34,000.00 None
None None 3,618.7 4

Total Assets

7,409,748.79

LIABILITIES Demand deposits Time deposits Depo.,ib of L'. S. Gonrnm nt Deposits of States and political sub~
di\i~ions
Depo~i ts of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac~
count of this bank and outstanding Other liabilities Capital Surplus Cndi\idcd profits RrsrrYes

3,272,638Xi 2,707,290.31
172,420.1H
647,513.08 None
14,SS4.18 None
None G0,853.G7 200,000.00 100,000.00 212,988.32 21,100.78

Total Liabilitic~

7,409,7 48.79

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK Cairo. Ga.

As called for by the Superintendent of Banks

J. C. MINTER, President.
Date of Charter: 12-3-1903

LUCILE S. MAXWELL, Cuhi.er
Began Business: 1-1-1904

ASSETS Ca~h. balanct's with other banks, in-

cluding reserve balances, and ca~h

item..., in proce~s of collection

$

Cnitcd States Government obligation~. direct and guaranteed

Obligation~ nf State~ and political

subdivisions Other bonds, notes, and debenture~ CorpPratt stocks (including ~.tock of

Fct.kral Rr~crn Bank) Loan" and di~cmmts (including o\er~

drafts) Hank premi~cs ownrd, furniture and

fixtures Real c~tate 0\\ ned oth('r than bank

}Jremiscs

Innstmcnts and other assets indirectly rcprescntin~ bank premi~c:-.

or oth('r real e<.;tatc

Cu:-.tomns' liability to this bank on

acceptances outstanding

Other As~ets

Total Ass<"ts

832,148.56 1,419,515.27
205,268.07 None None
1,020,648.49 36,071.71 None
None None 1,767.37 3,515,419.47

LIABILITIES Demand deposits Time dt'posits Dt'po.~its of tJ. S. GovC'rnm nt Depo~its of States and political sub~
clivi~ions
Deposits of banks Other dcposi ts (certified and officer:.'
checks. etc.) Bills payable Acceptances executed by or for ac-
~ount of this bank and oubtand-
m~
Other liabili tit's Capital Surplus Undivided profits Reserves

1.533,870.25 1,207,007.27
30,293.6~
366,345.81 96,2o5.37
13,209.32 None
None 6,425.07 75,000.00 100,000.00 87,062.66
None

Total Liabilities

3,515,419.47

-------~F__:O__:R_:_:T=-Y=-=--FOURTH ANNUAL REPORT

29

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF CAMILLA Camilla, Ga.

As called for by the Superintendent of Banks

RAYMOND T. MUGGRIDGE, JR., President.
Date of Charter: 11-4-1889

MRS. LORA D. STARK, Cashier.
Began Business: 1-2-1890

ASSETS

Ca!.h. balances with other banks, includinc; reserve balances, and ca~h

itrm:-. in process of collection

$

Cnitcd States Go\ernment obliga-

tion-;, dirrct and guaranteed ObliQ,"ationo; of Statc~ and political

:-.ubdivisions

Other bonds. notes, and debentures Corporate stocks (includin~ ~tock of

Fnleral Resene Bank) LoJ.n<; and di~counts (including over-

drafts)

Bank premises owned. furniture and

fixtures

.

Real c~tate owned other than b:l!lk

premises Innstmenb and other a~~ct"' :indi-
rectly reprc~entin>:?; lnnk pnmi~e"'

or othe-r real c~t:Jte C:t~:-.toml'l'S' liability to thi~ bank on

acceptances outstandin~

Other As:,et<:.

Total Assets

589,950.05 978,224.50 194,983.69 150,1ii6.25
None 1,732,302.62
15,537.19 1.00
NonE' None None 3,661,155.30

LIABILITIES Demand df'posits
Time depo:,ib Depo:-;ib of l_. S. GO\ernmnt Dcpu:-.its of States and political suh~
divi~ions
Depo::.its of banks Other dcpo~its (certified and officcnl
check~. etc.) Bill; payahll' Acceptances executed by or for ac-
count of this bank and out-.tanding
Other liabilitie:,
Capital Surplus L'ndi,idcd profih
Rc:.lTH'S

1,544,145.07 1,057,268.68
28,435.96
712.894.04 5,000.00
66,7 51.11 None
None None 100,000.00 100,000.00 20.944.22 25,716.22

Total Liabiliticr.,

3,661,155.30

STATEMENT Showing condition at the close of business December 31, 1963, of

PLANTERS & CITIZENS BANK Camilla, GL

As called for by the Superintendent of Banks

E. J. VANN, III,
President. Date of Charter: 9-20-1904

JOE B. ADAMS, Cashier.
Began Business: 6-24-1913

ASSETS Ca~h. balanccs Y~-ith other banks, in-
dudin~ reserve balances. and ca~h

itcmo; in procc~s of collection

$

l'nitcd Statt:, Go\crnment obliga-

tions. direct and guaranteed

Obligation" of State:. and political

~ubdi\i~ions

Other bonds. notPs, and debentures Corporate :-.tocks (includin~ }.tock of

FeJcral Rescne Bank)

Loan<:. and di~counts (including on-r-

drafts)

Bank prcmi::-cs ov.n:_d, furniture and

fixtures

Real estate owned other than bank

premises

..

Investments and other as~ds indi~

rcctly rcprcscntin~ b:.tnk premise~

or other reale~latc

Cu~tomers' liability to this bank on

acceptances outstandin~

OthC'r Assets

660,558.4,) 1,956,722.12
335,475.10 None None
2,532,502.08 92,500.00 None
None None None

Total Asscb

5,577,757.75

I.IABILITIES Demand dC'posits Time dcpo..,its Dcpo-.,its of C. S. Glwcrnm nt Deposits of States and political :,ub~
divisions Dcposi ts of hanks
Other deposits (ccrtifitd and officen,' dHcks, etc.)
Bills payable AccC'ptanccs executed by or for ac-
count of this bank and oubtancl-
mg
Other liabilities Capital Surplus Undivided profits
R('~Cr\'l'S

2,126,985.54 2,217,729.62
88,118.69
712,690.5 6 55,000.00
33,2~3.34
None
None None 150,000.00 150,000.00 44,000.00 None

Total Liabilities

5,577,757.75

30

DEPARTMENT OF BANKING

~~~-----------------

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF CANTON Canton, Ga.

As called for by the Superintendent of Banks

E. 0. McFATHER, President.
Date of Charter: 11-17-1892

L. L-McCANLESS, Cashier.
Began Business: 12-18-1892

ASSETS

Cash, balances with other bank<>, in-

cluding reserve balances, and cash

item'> in process of collC"ction

$

Cnitcd Stat('S Government obliga-

tions. direct and guaranteed Obli~<rtion-> 0f State<; and political

subd.visions

..

.

Other bonds, notes, and dcbenture<; CPrp0rate stocks (including ~tock of

FeJnal Rc:-.f'rYc Bank) Loan<; and di~counts (including OH'T-

drafb)" Bank prcmi~cs own~d. furniture and

fixtures

.. .

..

Real c~tatc ownccl other than bank

pnmises Inve:.tmcnts and other a~sC'b indi-

rectly rcproC'nting bank prrmi~e~

or other rPal c~1ate Cmtf'mers' liability to thi~ bank nn

acccptanccs outstanding-

Other A55cls

Total As<cts

1,336,910.41 2,510,392.87
R70,636.00 164,950.00
None 2,820,397.88
44,096.67 None
None None 3,103.50 7,750,487.42

LIABILITIES Demand de-posits
Time depmits Drpo:-;its of C. S. Govrrnmnt Depo:,its of States and political sub~
di\i~ions
Dcpo~i ts of banks Othn deposits (certified and officpn;'
checks, etc.) Bill.., payable AccPptancc-s exccu ted by or for ac-
count of this bank and out:\tand-
mg Ohrr liabilities Capital Surplus C ndividcd profits
Rc:-ern's

2,656,18o.53 3,360,502.07
1R2.011.78
630,746.7D 84,505.40
37,540.21 None
None
218,0 6 6 .o 5
200.000.00 300,000.00
60,929.50 20,000.00

Total Liabili tie~

7,750,487.42

STATEMENT Showing condition at the close of business December 31, 1963, of

ETOWAH BANK Canton, Ga.
As called for by the Superintendent of Banks

H. G. VANDIVIERE, President.
Date of Charter: 1-22-1927

N. E. FACKLER, Cashier.
Began Business: 1-29-1927

ASSETS Cash, balanc('s with other banks, in-
cludin~ r~serve balances, and cash

itcmc; 1n process of collection 5!. United States Government obliga-"

tions. direct and guaranteed Obli~ations of States and political

subdivisions .

.. .

Other bonds, notes, and debentures

Corporate ~tock~ (including Etock of

Fe<.kral Resnve Bank) Loans and discounts (including over-

drafts)

.

.

Bank premises ownrd, furniture and

fixtures . . . . . ... .. Real estate owned other than bank
Ine;~::;~sts and. oth.cr assrts .'in.di-

rectly representing bank premises'

or other rral estate Customrrs' liability to this bank on

acceptances outstanding

Other Assets

885,312.52 2,556,730.87
995,017.33 None None
2,705,664.31 119,640.54
None None None 4,540.08

Total Assets

7,266,905.6o

LIABILITIES Demand deposits Time deposits Deposits of U. S. Governm"nt Depo~i~s of State_s and political sub-
divJsions . Deposits of banks Other deposits (certified and oficrr~'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus . Undivided
R{'Sf'T\"('S

2,569,044.59 3,449,532.15
68,520.28
4 76,412.72 77,776.55
115.35 None
None 14,844.75 200,000.00 250,000.00 110,659.26 50,000.00

Total Liabilities

7,266,905.65

FORTY-FOURTH ANNUAL REPORT

81

STATEMENT Showing condition at the closP of business December 31, 1963, of

CARNESVILLE STATE BANK Carnesville, Ga.

As called for by the Superintendent of Banks

GORDON M. TELFORD,

GORDON M. TELFORD,

President. Date of Charter: 7-18-1960

Cashier. Hegan Busineis: 8-1-1!>60

ASSETS

Cash, balances \vith other banks, in-

dueling reserve balances, and cash

item<; in process of collection $

Cnitcd States Government obliga-

tion~. direct and guaranteed

Obli~ations of States and political

~ubdi\ision<;

.. . .

Other bonds, notes, and dcl;Pnturcs

Corpora!<' stock'i (including ~tock of

Federal Reserve Bank)

Lo3Il'i and discmmts (including over-

draft,)

nJ.nk premi:::.cs 0\\'11\.'d, furniture and

fixtures

Real c:.tatc owned other than bank

premisc~

ln\T~tnwnts and other as:.eb indi-

zectly reprc~enting bank prcmi:.es

or othrr J'{'al e<.;tatc cu~tomns' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

298,241.48 450,212.00
None 24,750.00
None 481,002.63
3,145.31 None
None None None 1,257,351.42

LIABILITIES Deman::.l depm.its Time deposits DC'po.,it~ of C. S. Governm.nt Deposits of States and political sub-
divi~ions
Dl'posi ts of banks Other deposits (certified and officers'
checks, ('tc.)
Bilh payable Acceptance~ exccu ted by or for ac-
CPunt of this bank and outstand-
inz Other liabilitic-,
Capital Surplus Undivided profits
Re:-.enTs

664,529.99 394,384.51
11,101.93
90,000.00 None
5,029.36 None
None 2,763.63 50,000.00 20,000.00 19,542.00
None

Total Liabilities

1,257,351.42

STATEMENT Showing condition at thP close of business December 31, 1963, of

THE PEOPLES BANK Carrollton, Ga.

As called for by the Superintendent of Banks

ROY RICHARDS, President.
Date of Charter: 11-10-1909

FRED HUTCHINS, Cashier.
Began Business: 12-1-1909

ASSETS

Cash, balanc's with other banks, in-

cluding reserve balances, and c.ash

items in process of collection . $

United States Government obliga-

tions~ direct and guaranteed Obli~ation'> of States and political

subdivisions

Other bonds, notes, and debentures Corporate stock~ (including stock of

Fetleral Reserve Bank)

Loans and discounts (including ov'r-

drafts)

Bank premisf's owned, furniturC' and

fixtures

.. . .. . .

R<'al rstatc own{'d othrr than hank

premises

.

Investments and other assets indinctly r('presf'nting b:Jnk prcmi~es

or othC'r rC'al f'~tatc

cu~tomcn' 1iability to this bank on

acceptances outstanding

OthC'r Assets

Total Assrts

,~

1,978,560.07 2,145,319.R7
411,103.75 100,000.00
None :l,031,0Ul.67
91.315.20 12,500.00
None None None 7,769,Sl8.56

LIABILITIES

Demand d'posits

Time deposits Deposits of U. S. Governmrnt Depo~i~s of States and political sub-

divisiOns .

.

Deposits of banks Other deposits (ccrtifird and oHiccn:'

checks, etc.)

Bills payable Acceptanc's executed by or for ac-

count of this bank and outstand-

ing Other liabilities

Capital

Surplus

Undivided profits

Rcs('T\'rs

5,:l71,2H4.:JI 643,45R.42 111,297.56
7 4 7,R65.99 51,536.52
42,3H5.72 None
None 204,975.14 125,000.00 175,000.00
50,000.00 247,014.87

Total Liabilities

7 ,769,R lS.Gfl

32

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CARTERSVILLE 'BANK Cartersville, Ga.

As called for by the Superintendent of Banks

WALTER B. ATWATER, President.
Date of Charter: 12-20-1947

HUGH I. JACKSON, Cashier.
Began Business: 11-19-1948

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed .

Obli~ations of States and political

subdivisions

. .. ... .. .

Other bonds, notes, and d.ebentures

Corporate stocks (including stock of

Fe<leral Reserve Bank).

Loans and discounts (including over-

drafts)

..

Bank premises owned, furniturr and

fixtures

... ... . ... ..

Real estate owned other than bank

premises

..

.

lnvPstmr-nts and other assets indi-

rectly representing bank premises

or othPr nal estatc

Customcrs' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

723,060.19 1,836,213.06
195,150.87 None None
1,358,028.74 7 4,510.00 None
None None 17,007.49 4,203,970.35

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Governm~nt

DeJ:!o~i~s of States and political suh-.

divisiOns . .



Deposits of banks

Other deposits (ct>rtifird and officer~

checks, etc.)

Bills payable

Acceptanct's ("Xccuted by or for ac-

count of this bank and outstand-

ing ..

Other liabilitie~

Capital

Surplus

Undivided profits

Rrserv<'s

1,581,180.37 1,337,418.98
81,485.1R
7 55,685.09 None
23,3S6.43 None
None 72.325.72 100,000.00 220,000.00 29,143.%
3,374.63

Total Liabilities

STATE)IENT Showing condition at the close of business December 31, 1963, of

PEACHTREE BANK AND TRUST COMPANY Chamblee, Ga.

As called for by the Superintendent of Banks

JAMES B. WILLIAMS,
President. Date of Charter: 3-17-1960

W. R. WATKINS, Cashier.
Began Business: 5-6-1960

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in proc'ss of collection . $

United States Government obliga-

tions, direct and guaranteed Obli~a~i(,>'!S of States and political

subd1VlSIOOS

. . . . . . . ..

Other bonds, notes, and debentures Corporatf" ~tocks (including fitock of

FeJcral Reserve Bank) .

Loans and discounts (including ov'r-

drafts)

.

.

Bank pr<'misf's owned, furniture and

fixtures

Real estate owned other than bank

prt'mis's

~

...

Investments and other ass<'ts indirt'c:tly rf'prcsf'ntin~ bank premis<'s

or other real e~tate

C:u:.tonwrs' liability to this bank on

acc:cptancf's outstanding

Other Assets

Total Assets

479,994.45 716,051.43
None 584,937.50
None 2,186,357.59
38,407.97 None
73,851.93 None
26,438.61 4,106,0:19.48

LIABILITIES

Demand dt'posits

Time deposits

Deposits of U. S. Governm~nt

Deposits of Statt>s and political sub-

divisions . .

.

Deposits of banks

.

Other deposits (certified and officers'

checks, f'tc.)

.

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand

ing .

.

Other 1iabilitif'.o;;

Capital

Surplus

Undivided profits

ResenT."

2,103.834.5~
718,261.12 401,148.63
329,529.02 None
32,637.79 100.000.00
None 93.019.03 125,000.00 150,000.00 52,609.30
None

Total Liabilities

4,106,0:l!l.4R

FORTY-FOURTH ANNUAL REPORT

33

STATEMENT Showing condition at the close of business December 31, 1963, of

COBUTI'A BANKING COMPANY Otatswortb, GL

As called for by the Superintendent of Banks

R. E. CJLUIBERS,

FRANCES HEARTSELL,

President. Date of Charter: 7-17-1901\

Cashier. Began Business: 1-24-1906

ASSETS

Cash balances with other banks, inclu'ding reserve balances, a~d cash

items in process of collectwn . $

United States Government obliga-

tions, direct and guaranteed .. _. Obli~ations of States and poht1cal

subdivisions . . . . . . . . ..

OCothrpeor rbaotendsst~cnkoste(si,nacnluddidnegbelintotucrkesof

Feueral Reserve Bank)

Loans and discount!li (including over-

drafts)

..

Bank pr<'mises owned, furniture and

fixtures

. . . . . . ..

Real estate owned other than bank

premises

.

Investments and othf'r assets indi-

rectly rrprcsf'nting bank prf"mi5cs

or othn real f'Statc

Customen.' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

781,561.17 1,760,728.63
148,079.42 None None
1,114,289.18 52,500.00 None
None None None 3,857,158.40

LIABILITIES Demand deposits Time deposits Dt>posits of U. S. Governm"nt Ddi~i~f~n~f S~ates and political sub-
Deposits of banks Other deposits (certified and offic>n'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabili tics Capital Surplus Undivided profits Reserves

1,707,607.66 1,320,159.27
117' 145.84
463,566.80 None
847.13 None
None None 100,000.00 100.000.00 35.000.0\J 12,831.70

Total Liabilities

3,857' 158.'~ 0

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF CHICKAMAUGA auckamaap, GL

As called for by the Superintendent of Banks

W. H. EDWARDS, President.
Date of Charter: 2-16-1910

N. COLLINS WRIGHT, Cashier.
Began Business: 6-10-1910

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

item" in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. .... . .

Other bonds, notes, and debentures

Corporate stocks (including F>tock of

Feueral Res.rve Bank)

Loans and discounts (including ovrr-

drafts)

. ..

Bank premi~es owned, furniturr and

fixtures

. . . ..

Real c~tatc owned 0thrr than bank

premises

lnvrstmf'nts and other a~~ets indi-

rrC"tl~ represf'ntinQ; bank prf'mi~t'!--

or other rPal cqatf'

Cw.tom('f"' liability to thi'i bank Pll

ac<'cptanrTs outstandin!.!;

Othf'r A"~rts

Total Assets

612,818.77 606,873.31 323,0B7.66
None None 1,7:l8,805.10 24,861.57 None
None None None :l,:l06,45n.11

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Governm"nt

DJi~i~:~n~f S~atc_s and p~li.ti~al sub-

Deposits of banks

Other deposits (crrtified and officers'

checks, etc.)

Bills payable .

.

Acceptances cxccu ted by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

R('S{'f\'('S

1,188,009.51
1,293,155.~5
112,335.65
365,6'il.30 None
5,374.43 None
None
9,022.7~
100,000.00 100,000.00
72,896.78 60,000.00

Total Liabilitirr.;

3,306,45n.41

34

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

HABERSHAM BANK Clarkesville, Ga.

As called for by the Superintendent of Banks

TOM ARRENDALE. President.
Date of Charter: 6-13-1904

W. W. DUNSON, Cashier.
Began Business: 6-1904

ASSETS

Cash, balances with other banks cluding reserve balances, and

~aisnh-

items in process of collection ~

Cnited States Government obliga-"

tions, direct and guaranteed .

Obli~ations of States and political

subdivisions

. .... . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fetlcral Reserve Bank). .

Loans and discounts (including over-

drafts)

.. . .

Bank prcmis's owned, furniture and

fixtures

. . . . . .....

Rcal estate owncd other than bank

premises

Investments and other a~scts indi-

rC'ctly representing bank premi~cs

or other rf'al e~tatc

Customn~' liability to thi"i bank on

acceptances outstandin~

Other Assets

Total As~cts

539,241.82 1,545,102.85
391,205.18 125,031.25
None 1,153,674.18
40,123.54 None
None None None 3,794,378.82

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Governm"'nt

DeP.o~i~s of States and political suh-.

divisiOns . .

.

Deposits of banks

Other deposits (cl:'rtifird and officrr~'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Rf'serves

1,922,724.53 1,287,715.07
81,603.00 151,053.70
None
7,789.44 None
None None 100,000.00 175,000.00 68,493.08 None

Total Liabilitirs

.~ 3.794,378.82

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CLAXTON BANK Claxton, Ga.

As called for by the Superintendent of Banks

H. C. HEARN, JR., President.
Date of Charter: 2-24-1941

AUBREY STRICKLAND,
Cashier. Began Business: 2-24-1941

ASSETS

Cash, balanc~s with other banks, in-

cluding r~serve balanc~s, and Cash

items in proc~ss of collection . . $

United States Government obliga-

tions, direct and guaranteed

Obligation. of States and political

subdivisions . . . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate fltocks (including stock of

Federal Reserve Bank) . . . .

Loans and di!llcounts (including over-

drafts) . . . . . . . . . . . . . . .

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

. . . . . . ..... .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~~k .on

acceptances outstanding

Other Assets.

Total Assets

1,009,111.1G 824,979.16 533,499.63 None None
2,364,347.93 18,397.51 None
NonP None None 4,750,335.39

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government . . .

DJi~i!f~n~f ~~a~es ~n~ ~~~i.t~~~~. ~~b~

Deposits of banks. . . . . . . ...... . Other deposits (certified and officen'
checks, etc.) . . . . . . . . . . . . . . . . Bills payable . . . ........ . Acceptance~ executed by or for ac-
count of this bank and outstand
ing Other liabilities Capital Surplus ........ .
Undivided profits.
Reserve~

1,961,510.85 1,621.057.04
200,133.01
503,298.14 15,000.00
22,004.74 None
None None 100,000.00 200,000.00 127,331.61 None

Total Liabilities.

. $ 4,750,335.39

FORTY-FOURTH ANNUAL REPORT

35

----------------------~~

STATEMENT Showing condition at the close of business December 31, 1963, of

TIPPINS BANKING CO., INC. Claxton, Ga.

As called for by the Superintendent of Banks

R. R. TIPPINS, JR., President.
Date of Charter: 8-30-1940

S. J. WATERS, Cashier.
Began Business: 9-3-1940

ASSETS Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . S United States Government obliga-

nons, direct and guaranteed . Obligations of States and political

subdivisions

.... . ..

Other bonds, notes, and debentures Corporate stocks (including stock of

i'ederal Resorve Bank) . . Loans and discounts (including over-

drafts) Bank premises owned, furniture and

fixtures

Real estate O\Vllf'd other than bank
In~;;t~;~5ts and. other assets .i.ndi~

rcctly TC'prcsenting hank premises

or other real e-state CustomPr~' liability to this bank Pn

acceptances outstanding

Other Assets

521,987.90 819,102.72 314,556.09 199,875.00
None 1.141,418.29
41,651.90
6 25 ' 0.C'O
None None None

Total Assets

3,044,841.90

LIABILITIES
Demand deposits Time deposits Deposits of U. S. Gov"rnm,.nt Deposits of States and political sub-
divisions . Deposits of banks Other deposits (ortificd and officcr~
checks, etc.) Bills payable . Acccptancf's e-xf'cutcd by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits Reserves

1,424,236.72 1,291,806.99
29,898.17
64,532.66 35,000.00
19,352.82 None
None None 50,000.00 100,000.00 30,014.54 None

Total Liabilities

$ 3,044,841.90

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF CLAYTON Clayton, Ga.

As called for by the Superintendent of Banks

J. C. DOVER, President.
Date of Charter: 6-30-1904

MISS P. D. BLECKLEY, Cashier.
Began Business: 7-1-1904

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash item<; in process of collection S

United States Government obligations, direct and guaranteed

Obli~ations of Statos and political

subdivisions

. .... . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

l..oans and discounts (including overdrafts)

Bank premises owned, furniture and

fixturos

.

. .. . .

Real t>state ownt'd othc-r than bank

premises

...

Jnvf'stmcnts and othPr .1.s~cts indi-

nctly representing lnnk premises or other real e~tate cu~tomcrs' liability to this bank on

acceptances outstanding Other Assets

Total Assets

524,458.63 859,863.55 395,717.84 504,889.34
None 1,303,346.50
34,389.78 None
None None 252.17 3,622,917.86

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governm... nt

Deposits of States and political sub-

divisions .

Deposits of banks .

Other deposits (certified and officers'

checks, etc.)

Bills payable .

.. .

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

2,205,473.36 661,722.75 29,022.50
281,268.22 10,000.00
20,288.78 None
None 96,398.98 100,000.00 150,000.00 68,743.27
None

Total Liabilitit>s

$ 3,622,917.86

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

THE PEOPLES BANK Cleveland, Ga.

As called for by the Superintendent of Banks

J. M. HOLCOMB,

W. C. DIXON,

President.

Cashier.

Date of Charter: 12-11-1945

Began Business: 7-1-1946

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

item~ 1n process of collection . . $

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions . . . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .....

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures . . . . . . ...

Real estate owned other than bank

premist's

..

Investments and othC'r assets indi-

rectly representing bank premises

or other real estate

Customr-rs' liability to this bank on

acceptances outstandin~

Other Assets

Total Assets

669.308.95 764.414.61 359.047.94 199.656.25
None 1,432.320.30
60,542.70 None
2.600.00 None
222.63 3.488,122.47

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Governm('nt Deposits of States and political ~nb-

divisions

Deposits of banks . . . ....

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances execu tl'd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1.612.930. 70 1,006.434.51
33,190.06
57 4.902.01 None
8,247.97 None
None None 70.000.00
1 oo.ooo.oo
82,417.22 None

Total Liabilities

3.488.122.47

STATEMENT

Showing condition at the close of business December 31, 1963, of

COOK BANKING COMPANY Cochran, Ga.

As called for by the Superintendent of Banks

J. LUTHER HORNE, President.
Date of Charter: 4-24-1942

ELIZABETH ATTAWAY, Cashier.
Began Business: 7-1-1942

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itf'mS in process of collection

United States Government obliga-

tions, direct and guaranteed

Obligati'?'!s of States and political

subdiVISIOns

. . ........ .

Other bonds, notes, and debentures Corporate ~tocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prrmis('s owned, furniture and

fixtures

Real estate ownrrl other than bank

premises

.. .

.

lnvrstmcnts and other assets indi-

re-ctly representing bank prt.'Inises

or other r('al estate cu~tomcr!>' liability to this bank on

acceptancrs outstanding

Other Assets

Total Assets

508,034.45 909.315.38
10.000.00 150,000.00
None 1.236.148.81
42,198.77 125.40
None None 8,167.62 2.863.990.43

LIABILITIES

Demand deposits

Ci

Time deposits

Deposits of U. S. Governm"nt

Deposits of States and political sub

divisions

Deposits of banks . .

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus .

Undivided profits

Re'iierves

1,203,526.81 966.566.86 32,901.82
368.480.78 17.596.73
5.340.72 None
None None 90,000.00 133.000.00 28,576.71 18,000.00

Total Liabilities

2,863,990.43

FORTY-FOURTH ANNUAL REPORT

37

STATEMENT Showing condition at the close of business December 31, 1963, of
STATE BANK OF COCHRAN Coehran, Ga.

As called for by the Suverintendent of Banks

L. D. GRIFFIN,

T. E. HOWELL,

President.

Cashier.

Date of Charter: 12-22-1921

Began Business: 1-5-1922

ASSETS

Cash, balances with other banks, in-

cludin$ reserve balances, and cash

items In process of collection ..

United States Government obliga-

tions, direct and guaranteed ..... Obliga~i?J!S of States and political

subdtVISIOOS .................. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank).

Loans and discounts (including over-

drafts) . . . ................ .

Bank premises owned, furniture and

fixtures ..................... .

Real estate owned oth'T than bank

premises . . . . ........... .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~~k .on

acceptances outstanding

Other Assets

Total Assets.

763,677.03 856,496.71 461,460.34 344,629.92
None 1,478,772.26
9,600.00 None
None
No:~e
2,200.00 3,916,836.26

LIABILITIES

Demand deposits.

.$

Time deposits

Deposits of U. S. Government .....

Ddi~i!f~n~f ~~~~e.s_ ~~~- ~~~~t~c~l. ~u~~

Deposits of banks ................ . Other deposits (certified and officers'
checks, etc.) . . . . . . . . . . . . . . . . . . . Bills payable . . . . . . . Acceptances executed by or for ac-
count of this bank and outstanding
Other liabilities Capital Surplus ........ . Undivided profits. Reserves

1,307,859.72 1,452,032.89
29,463.27
812,081.89 No-:1E>
3,761.19 None
None 76,971.44 100,000.00 100,000.00 25,665.86 10,000.00

Total Liabilities ..

.. $ 3,916,836.26

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF COLLEGE PARK College Park, GL

As called for by the Superintendent of Banks

J. N. WALKER, President.
Date of Charter: 10-3-1945

JOHN L. McCAY, Cashier.
Began Business: 1-7-1946

ASSETS Cash, balances with other banks, in
cludin$ reserve balances, and cash items 1n process of collection .. United States Government obligations, direct and guaranteed Obligations of States and political subdivisions . . . . ........... . Other bonds, notes, and debentures Corporate stocks (including stock of Federal Reserve Bank). . . . .. -Loans and discounts (including overdrafts) . . . . . . . . . . . . . ... Bank premises owned, furniture and fixtures ...................... . Real estate owned other than bank premises ................ . Investments and other assets indirectly representing bank premises or other real estate Customers' liability to this 'bank .on acceptances outstanding Other Assets.
Total Assets.

737,422.8R 1,893,494.89
278,824.22 655,119.80
None 2,195,438.62
68,395.32 None
None None 38,348.61 5,867,044.34

LIABILITIES
Demand deposits. Time deposits Deposits of U. S. Government
Ddi~i!f~n~f ~~~~es ~~d. ~~.l~t~cal sub~

Deposits of banks. . . . . . ..... .

Other deposits (certified and officer!'

checks, etc.) . . . . . . . . . . . . .

'bY , . Bills payable . . ..
Acceptance! executed

~~ for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profit;:

Reserves

2,923,620.28 1,769,827.65
91,217.01
582,638.97 None
5,199.97 None
None 117,497.57 150,000.00 187,500.00
39,542.89 None

Total Liabilities

.. $ 5,867,044.34

3R

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK Colquitt, GL

As called for by the Superintendent of Banks

G. C. nNKS, SR. President.
Date of Charter: 3-24-1924

G. C. JINKS, JR., Cashier.
Began Business: 4-21-1924

ASSETS

Cash, balancrs with other banks, in-

cluding reserve balances, and cash

i terns in process of collection

United States Government obliga-

tions, direct and guaranteed ..

Obligations of States and political

subdivisions . . ........ .

Other bonds, notes, and debentures

Corporate ~tocks (including stock of

Federal Reserve Bank) .

Loans and discounts (including over-

drafts)

.

Bank prrmises owned, furniture and

fixtures . . . . . . . . . . . .

Real estate ownrd other than bank

premises

InvcstmPnts and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other A~sets

723,422.40 1,521,4 76.83
123,613.72 None None
2,664,995.03 10,955.50 None
None None None

Total Assets

. $ 5,044,463.48

LIABILITIES Demand deposits Time deposits .. Deposits of U. S. Governmf'nt
Deposits of States and political subdivisions
Deposits of banks . . . . . Other deposits (certified and officers'
checks, etc.) Bills payable
Acceptanct's executed by or for ac-
count of this bank and outstanding Otber liabilities Capital Surplus Undivided
Reserves

2,438,358.51 1,670,150.13
39,775.77
471,352.53 None
16.657.51 None
None 55.042.02 100,000.00 200,000.00 53,127.01
None

Total Liabilities

5,044,463.48

STATEMENT Showing condition at the close of business December 31, 1963, of

COLUMBUS BANK AND TRUST COMPANY Columbus, GL

As called for by the Superintendent of Banks

JAS. W. BLANCHARD,
President. Date of Charter: 12-24-1888

HOWARD R. PARK, JR., Cashier.
Began Business: 4-1-1889

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures Corporate ~tocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. .. .

..

Real estate owned other than bank

prcmis"S

Investments and other assets indi-

rectly representing b::1nk premises

or othrr rral cstatr

Customers' liability to this bank on

accpptanccs outstanding

Other Assets

8,967,414.71 9,664,946.10 2.604,987.91
15,003.00 138,750.00 27,323,870.40 1,417,136.20
None
None None 380,227.88

Total Assets

50,512,336.20

LIABILITIES Demand deposits Time deposits Deposits of U. S. Governmf'nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (c('rtifi('d and offic('rs'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabiliti('s
Capital Surplus Undivided profits Reservrs

23,177,185.96 12,159,770.08
845,503.33
6,332,362.40 802,576.16
227,691.50 None
None 1,573,804.39 1,700,000.00 2,800,000.00
770,578.20 122,86 L 18

Total Liabiliti'

$ 50,512,336.20

1

FORTY-FOURTH ANNUAL REPORT
~----

_ _ _ _ _ 39

STATEMENT Showing condition at the close of business December 31, 1963, of

TRUST COMPANY OF COLUMBUS Columbus. Ga.

As called for by the Superintendent of Banks

F. G. LUMPKIN, JR. Pre'lident.
Date of Charter: 3-19-1954

H. L. GEORGE, Secretary and Treasurer.
_ B~gan Bus~n~~ 3-19-19~

ASSETS

Cash. ?alances "ith other banks, in-

dudmg resnve balances, and cash

items in process of collection

~

United Statf's Government ohliga-''

tions. direct and guaranteed

Obli~ation<; of States and political

subdivisions

....

Other bonds, notes, and debentures

Corporate ~tocks (including ;,tock of

FrUnal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank pnmises owned. furniture and

fixtures

..

Real e:;_tatr ownrd othf'r than bank

prl'ffi!St'S
Innstments and othf'r assds indi!Tctly f('presenting bank premises or otht'r real r~late
Cu.tom('rs' liability to this bank on acceptanns outstanding
Other Assets

Total Assets

88,394.48 None
52,7-o6.83 None
1.510.46 806,592.69
1,639.47 125.739.86
6,150.00 None
996.98 1,083,780.77

LfABILITIES

Demand deposits

Time deposits

$

Depo..,its of U. S. GovPrnm"nt

Deposits of StatPs and political sub-

divisions

Dcposi ts of banks Other deposits (crrtifiecl and officer~

checks, etc.)

Bills payable

Acceptances PXccutcd by or for ac-

count of this bank and oubtand-

ing

Other liabili tif's

Capital

Surplus

Undivided profits

Reserves

None 369,592.01
None
None None
None None
None 162,570.35 100,000.00 200,000.00 251,618.41
None

Total Liabilities

1.083,780.77

STATEMENT Showing condition at the close of business December 31, 1963, of

MERCHANTS AND FARMERS BANK OF COMER Comer, Ga.
As called for by the Superintendent of Banks

JOHN H. TERRELL, JR. President.
Date of Charter: 10-3-1935
------------------

ASSETS Cash~ balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United Statcs Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

. . ...

Othr-r bonds, notes, and debentures

Corporate stocks (including stock of

Felltral Rescrvc Bank)

Loans and discounts (including ovPr-

drafts)

Bank premisPs owned, furniture and

fixtures . . .

. ...

Real estate owned other than bank

premises

.. .

. . ...

Investments and other assets indi-

rPctly representing bank premises

or othl'r rPal estate

Customers' liability to this bank on

acceptances outstandin~

Other Assets

Total Assets

233,585.55 822,017.59
56,208.43 None None
499,913.95 4,498.75 None
None None 1,626.40 1.617,850.67

MRS. M. B. BOOTH, Cashier.
Began Business: 10-10-1935

LIABILITIES

Demand deposits

Time deposits Dtposits of U. S. Governm nt

Deposits of Stall's and political sub-

divisions

Deposits o[ banks

.

Other deposits (certifiC'd and officers'

checks, etc.)

Bills payable

AcceptancPs 'Xecu ted by or for account of this bank and oubtand~

ing

Other liabilities

Capital

Surplus

Undivided profits

Reservcs

968,945.69 272,420.24
30,011.28
138,089.98 Non'
7 ,R53.2~ None
None None 50,000.00 50,000.00 100,530.20 Non<'

Total Liabilities

1.617,850.67

40

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

NORTHEASTERN BANKING COMPANY Commeree, Ga.

As called for by the Superintendent of Banks

R. M. DAVIDSON, President.
Date of Charter: 8-25-1891

Wm. N. HARBER, Cashier.
Began Business: 1892

ASSETS

Cash) balances with other banks, jn-

cluding reserve balances, and C'ash

items jn process of collection

United States Government obliga-

tions. direct and guaranteed

Oblit:ptions of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJeral R'servc Bank)

Loans and discounts (including over-

drafts)

Bank premisC's owned, furniturC' and

fixtures

Real <'~tate owned other than bank

prrmises

.

.

I nvcstmcnts and oth('f asse-ts indi-

rectly representing bank pnmiscs

or other r<'al cslate

Cu~tomer~ Jiability to this bank on

acceptancrs outstanding

Other Assets

648,956.82 944,240.63
4,000.00 None
3,000.00 1,310,378.30
24,550.!1>' 2,000.00
Nonf' None None

LIAiliLITIES Dtmand deposits Time deposits Deposits of U. S. Go\'f'rnmnt Deposits of States and political sub-
divisions Deposits of hanks
Other deposits (certified and officen.' checks, etc.)
Dills payahk
Acceptanc1s l'Xt'Cuted hy or for account of this hank and out<.tanding
Other liabilitif's Capital Surplus
Undivided profits ResrTves

1,578,785.56 757,416.14 53,464.75
301,665.21 None
4,758.1! None
None 29,588.46 50,000.00 50,000.00 101,112.50 10,336.00

Total As"ets

2,937,126.73

Total Liabilitif's

2,937,126.73

STATEMENT Showing condition at the close of business December 31, 1963, of

CONCORD BANKING COMPANY Concord, Ga.
As called for by the Superintendent of Banks

R. H. STRICKLAND, SR.,

MRS. KATHRYN BARKER,

President.

Cashier.

--Date of Charter: 10-29-1903

Began Business: 11-18-1903

------==-~=-==-==

- - --------- ------~-~-==---::--=-==------=---==-------

-~-=------=----=-

---- ----

ASSETS Cash, balancf's with other banks, in-

cluding reserve balances, and cash

items in process of collection

Cnited States Government obliga-

tions, direct and guaranteed Obli~ation<; of States and political

- subdivisions

Othtr bonds, notes, and debentures Corporate stocks (including ~.tock of

Federal Reserve Bank)

Loans and discounts (including over. draft;)

Bank prrmise~ owned, furniture and

fixtures

.

Real t'State owned othC'r than bank

premisC's

..

..

lnvt'stments and other assets indi-

rectly representing bank premises

247,731.03 194,998.37
1,429.52 109,831.25
None 71,785.07
1,189.40 1.00

LIABILITIES Demand deposits Time deposits Deposits of L'. S. Governmnt Deposits of States and political sub-
divisions Deposits of hanks
Other deposits (certified and officers' checks, etc.)
Bills payable
Acceptances executed by or for account of this bank and outstanding
Other liabilities Capital Surplus
Undivided profits
R('S('f\'('S

365,513.4S 158,710.80
5,660. 70
45,908.66 None
2,262.51 None
None None 25,000.00 15,000.00 8,909.49 None

or othf'r rea] e~"late Customers' liability to this bank on

None

acceptances outstanding Other Assets

None None

Total Assets

626,965.6~

Total Liabilities
.c___ _ _ _ _ _ - - - - - - - -

626,965.64

FORTY-FOURTH ANNUAL REPORT

41

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF ROCKDALE Conyers, Ga.

As called for by the Superintendent of Banks

J.P. CULPEPPER, JR., President.
Date of Charter: 10-15-1891

M. H. IVEY, Cashier.
Began Business: 6-1901

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obli~ation" of States and political

subdivisions

. . ...

Other bonds, notcs, and debentures

Corporate stocks (including ~tock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

premises

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

632,422.10 1,150,170.62
645,406.04 200,041.88
None 2,718,548.69
50,058.11 None
None None 14,715.22 5,411,362.66

LIABILITIES Demand cltposits
Time deposits Deposits of U. S. Govcrnm~"'nt Deposits of States and political sub.
divisions Deposits of banks Other deposits (certified and officer:-.'
checks, etc.) Bills payable Acceptances exccuted by or for ac
count of this bank and out~tand
ing Other liabilities Capital Surplus Undivided profits Rcsf"rves

2,481.149.54 1,285,1 03.6~
244,604.92
799,997.03 None
3,227.50 None
None 124,920.14 200,000.00 100,000.00 142,359.84
30,000.00

Total Liabilities

5,411,362.66

STATEMENT Showing condition at the close of business December 31, 1963, of

FARMERS AND MERCHANTS BANK OF COOLIDGE Coolidge, Ga.

As called for by the Superintendent of Banks

MICHEL DELOACH, President.
Date of Charter: 12-18-1911

W. C. GIBSON, Cashier.
Began Business: 11-20-1911

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

item<> in process of collection

$

Unitt"d States Governmt>nt obliga

tions, dirt>ct and guarantct'd .

Obligations of Statt"s and political

subdivisions

.

Othtr bonds, notes, and debentures

Corporate stocks (including stock of

Fnltral R<'scrvc Bank)

Loans and discounts (including over

drafts)

Bank prf'mises owned, furniture and

fixtures

.. .

.

Real c~tate owned other than bank

premists

.

. ..

Investments and otht'r assets indi

rectly representing bank pnmists

or other real t'Slatt'

Customers' liability to this bank on

acct'ptancPs outstanding

Othtr Assets

Total Assets

102.387.36 375,443.76
None 49,500.00
No:1e 538,951.83
449.23 None
None None 106.49 1,066,838.67

LIABILITIES Demand deposits Time deposits Deposits of V. S. Governm,nt Dt"posits of States and political :mb
divisions Deposits of banks . . . . . . . Other deposits (certified and officen'
checks. etc.) Bills payable Acceptances executed by or for ac
count of this bank and outstand
ing Other liabilities Capital Surplus Undivided profits
Rt>srrvrs

497,569.32 251,448.09
5,449.62
130,535.32 5,000.00
209.75 .06,000.00
None None 25,000.00 75,000.00 19,789.80 836.77

Total Liabilitirs

1,066,838.67

42 - - - - - - - - -D- EP-ARTMENT OF BANKING _ _:___ _ _ _ _ _ _ _ _ _~

STATEMENT Showing condition at the close of business December 31, 1963, of

CORDELE BANKING COMPANY Cordele, Ga.

As called for by the Superintenaent of Banks

L. B. MADDOX,

R. M. FLEEMAN,

President.

Cashier.

Date of Charter: 5-31-1927

Began Business: 6-15-1927

ASSETS Cash, balances v.;ith other banks, in-
cluding reserve balances, and cash items in process of collection $ Cnitt>d States Government obligations, direct and guaranteed Obligations of StatC's and political subdivisions Other bonds, notes, and debentures Corporate stocks (including stock of Feueral Reserve Bank) Loans and discounts (including overdrafts)
Bank premises ownPd, furniture and fixtures . . . . . . . . . . . . .
Real estate own('d other than bank premisC's
Investments and other assets indirectly r('pres('nting bank premises or other real c-slate
Customers' liability to this bank (JO acceptances outstanding-
Oth<'r Assets
Total Assets

827,237.85 840,843.00
None None None 3,518,677.55 65,218.22 No:1e
None None None 5,251,976.62

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governmnt

Deposits of Stat<:'S and political sub~

divisions

Deposits of banks

.

Other deposits (nrtificd and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac~

count of this bank and outstand-

3,841,618.26 811,150.97 16,917.75
234,444.70 None
16,871.82 None
None None 100,000.00 100,000.00 109,296.51 21.6 76.61

Total Liabilities

.$ 5,251,976.62

STATEMENT Showing condition at the close of business December 31, 1963, of

FIRST STAT}: BANK IN CORDELE Cordele, Ga.

As called for by the Superintendent of Banks

C. H. DENNING,
President. Date of Charter: 12-3-1938

C. C. SHEARER, Cashier.
Began Businest;: 1-3-1939

ASSETS Cash, balance~ with other banks, in-
cluding reserve balances, and cash items in process of collection $ United States Government obliga~ tions, direct and guaranteed
Oblis;ation" of State<; and political
subdivi~ions
Other bonds. notes, and debentures Corpnratc stocks (including :;tock nf
FeJcral Reserve Bank) Loans and di:-.counts (including over-
drafts)
Bank premises owned, furnitun and fixtures
Real e~tate owned other than bank premis,s
Investments and other as~ets indi~ rectly represl'nting bank premi~e." or other rl'al estate
cu~tomen' liability to this hank flil a{'ccptanres outstanding-
Otlwr Assets
Total Assets
- - - - ----~--

1,457,285.77 1,162,184.54
3R6,627.15 None Non('
2,462,307.85 46,350.!)7 Non'
None None
1.00 S,G14,757.2H

LIABILITIES
Demand dC'posits Time deposits D{posits of U. S. Go..-ernm"nt Deposits of States and political sub-
divisions Dcposi ts of banks Othf'r deposits (certified and officers'
<"hC'cks. C'tc.) Dills payable Acceptances C'Xl'CUtC'd by or for ac~
count of this bank and outst;.lnd~
ing Other liabilities
Capital Surplus Undivided profits RcsC'l"\'f'S

3,144,653.70 1,003,775.24
138,084.25
f>71.237 .09 137,864.\o
42,164.33 None
None None 125,000.00 75,000.00 130,815.07 146,163.45

Total Liabilitiec.;

G,514,'i:J7.2~

_ _ _ _ _ _ ___c::F_:O::_:R:.:_T=-Y=--__c::F_:O~URTH ANNUAL REPORT

43

STATEMENT Showing condition at the close of business December 31, 1963, of

CORNELIA BANK Cornelia, GL

As called for by the Superintendent of Banks

C. C. KIMSEY, President.
Date of Charter: 7-3-1900

C. C. KIMSEY, JR.,
Cashier. Began Business: 8-4-1900

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of col~t>ction

$

Cnited States Governm~:"nt obliga-

tions, direct and guaranteed Obli~Sations of States and political

.subdivisions

. . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furnitun' and

fixtures

Real estate owned otht'T than bank

premisf's

Investments and othf'r assets indi-

rectly representing bank prf'mises

or other real estate

Customers' liability to this hank on

acceptances outstanding

Oth<'r Assets

Total Assets

948,605.69 2,624, 791.41
543,516.35 120,000.00
None 1,909,7 41.35
35,924.10 974.15
None None None 6,183,553.05

LIABILITIES Demand d<'posits Time deposits Deposits of U. S. Govrrnm nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (ccrtifi<'d and officPr... '
checks, etc.) Bills payable
Acceptances executed by or for account of this bank and outstanding
Other liabilities Capital Surplus Undivided profits Reserves

2,987 ,006. 78 2,001,931.83
106,407.86
420,436.21 89,378.74
14,321.93 None
None 86,861.96 100,000.00 200,000.0() 177,207.74
None

Total Liabilities

$ 6,183,553.05

STATEMENT Showing condition at the close of business December 31, 1963, of

THE BANK OF COVINGTON Covington, GL

As called for by the Superintendent of Banks

R. R. FOWLER, President.
Date of Charter: 4-10-1901

J. B. WEAVER, Cashier.
Began Business: 4-10-1901

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . ::;

United States Government obliga-

tions, direct and guaranteed

Obli'l'ations of States and political

subdivisions

.. .... .

Other bonds, notes, and debenturf's

Corporate stocks (including stock of

Federal Reserve Bank) .

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . . ....

Rral estate owned other than bank

premises . . . . . ...... .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Oth('r Assets

Total Assets

1,221,300.54' 2,699,449.53
532,666.12 NOne None
2,437,580.30 14,440.43 None
None None 39,836.88 6,945,273.80

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political fiUb-

divisions

Deposits of banks .

.. .

Other deposits {certified and officers'

checks, etc.)

Bills payable

Acceptances executed by .or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

3,431,762.93 1,999,029.69
129,741.3G
624,446.73 None
11,044.86 None
None 98,281.80 200,000.00 400,000.00 50,966.43
None

Total Liabilities

$ 6,945,273.80

44

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
THE COMMERCIAL BANK Cl-awford, Ga.

As called for by the Superintendent of Banks

E. H. FURCRON,

W. M. FAUST,

President.

Cashier.

Date of Charter: 9-2-1924

Began Business: 9-5-1924

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premisrs owned, furniture and

fixtures

.

. ...

Real estate owned other than bank

premises . . . . . . . . . . . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

328,770.52 662,782.50
52,741.81 110,000.00
None 622,97 4.56
15,000.00 3,400.00
None None 2,904.65 1,798,574.04

LIABILITIES

Df'mand deposits

'$

Time deposits

Deposits of U. S. Government

Ddi~i!J~n~f S~att>s ~~d po.litical. sub-

Deposits of banks .

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances rxecuted by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reservf's

847,360.19 705,316.33
6,840.45
93,806.55 None
3,622.68 None
None 14,612.00 50,000.00 50,000.00 27,015.84
None

Total Liabilities

1,798,574.04

STATEMENT Showing condition at the close of business December 31, 1963, of
THE PEOPLES BANK Crawfordville, Ga.

As called for by the Superintendent of Banks

G. E. WILLIAMS, SR.,

E. W. REYNOLDS,.

President.

Cashier.

Date of Charter: 12-8-1947

Began Business: 1-2-1948

ASSETS

Cash, balancrs with other banks, in-

cluding reserve balances, a!ld cash

items in process of collectiOn

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

..

.

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premisrs owned, furniture and

fixtures ...

Real estate O\vnc-d other than bank

premises

.. .

....

lnvestmf'nts and other assets indi-

rectly rrpresenting bank premises

or other real estate

Customers' liability to this bank on

accrptancrs outstanding

Other Assets

Total Assets

329,008.70 490,046.94
None None None 569,277.18 17,275.77 None
None None None 1,405,608.59

LIABILITIES

Demand deposits

Time deposits

..

Deposits of U. S. Government

Deposits of States and political 1'Hb-

divisions . . .

Deposits of banks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilitif.'s

Capital

Surplus

Undivided profits

Rescrvf.'s

Total Liabilities

436,124.82 797,668.73
1,396.43
59,122.5 3 None
6,075.81 None
None None 25,000.00 63,000.00 17,220.25 None
1,405,608.59

-----~ -~ ---~ J!'9RTY -FOURTH ANNU ALREPORT-=-------~---------=4:._5

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF CUMMING Cumming, Ga.

As called for by the Superintendent of Banks

ROY P. OTWELL, SR.

WILLIAM CHAMBLEE,

President.

Cashier.

Date of Charter: 10-11-1904

Began Business: 10-19-1904

ASSETS

Cash, balances with other banks, in~

cludin~ reserve balances, and cash

items 10 process of collection .

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions .

. . . . . . ...

Other bonds, nott's, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . . .

Loans and discounts (including over-

drafts)

.

.

.

Bank premist's owned, furniture and

fixtures

..... .. ..... ..

Real estate owned other than bank

premises . . . . . . . . .

Inv('stments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank (JTI

accrptances outstanding

Other Assets

Total A55ets

$

1,054,095.49 2,151,847.40
178,989.91 180,100.00
None 1.756,163.75
17,468.23 None
None None None 5,338,664.78

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Ddi~i!f~n~f S~atc_s and p~li.tical sub~

Deposits of banks Other deposits {certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac~
count of this bank and outstand-
ing Other liabilitie Capital
Surplus Undivided Rrserves

2,643,827.67 1,721,002.56
62,718.10
443,215.62 None
13,820.14 None
None None 100,000.00 250,000.00 104,080.69 None

Total Liabilitic'

5,338,664.78

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK Cuthbert, Ga.

As called for by the Superintendent of Banks

C. 0. JOHNSON, President.
Date of Charter: 2-7-1938

G. F. SEALY, Cashier.
Began Business: 3-1-1938

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items In process of collection

United States Government obliga-

tions, direct and guaranteed .. Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . .

Loans and discounts (including over-

drafts) . . .

.

.

Bank premises owned, furniture and

R:!tt~~~:te ~~~;d. ~ih~; than b~~k

premises . . . . . . . .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to this hank. on

accrptances outstanding

Other Assets

Total Assets

520,849.21 1,653,059.63
206,964.53 49,875.00 None
1,175,653.27 14,502.91 None
None None 2,215.53 3,623,120.08

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

.

Other deposits (ct>rtifird and ofic('rs'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilitic

Capital

Surplus

Undivided

Rrservrs

2,235,066.18 524,427.97 90,994.40
376,224.31 20,000.00
31,781.32 None
None 4,892.31 125,000.00 100,000.00 104,733.59 10,000.00

Total Liabilities

$ 3,623,120.08

46

DEPARTMENT OF BANKING

------------------------

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF DAHLONEGA Dahlonega, Ga.

As called for by the Superintendent of Banks

J. F. SANDERS, President.
Date of Charter: 5-27-1914

ROBERT T. BROWN, Cashier.
Began Business: 5-27-1914

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collt'ction

United States Government obliga-

tions, direct and guaranteed

Obli'{ations of States and political

subdivisions

. . . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank prernist>s owned, furniture and

R:!lt~~;:te o~~~d other .tha~ .ba~k

premises . . . . . . . . ..... .

Investments and other assets indi-

rectly representing bank premises

or other real estate . . . ..

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

344,766.83 615,196.88
70,963.82 699,062.50
None 1,549,114.50
99,988.12 None
None None 2,795.92 3,381,888.57

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

DeP.o~i!s of State.s and political sub-

divisiOns .

Deposits of hanks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances t>Xecutcd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,438,593.57 798.039.45 55,791.79
799,390.29 None
4,690.67 None
None None 100,000.00 125.000.00 60,382.80 None

Total Liabilities

$ 3,381,888.57

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS BANK OF DALLAS

Dallas, Ga. As called for by the Superintendent of Banks

E. P. AUSTIN, President.
Date of Charter: 7-23-1962

LAWRENCE W. McKOON, Cashier.
Began Business: 3-15-63

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed .

Obli~ations of States and political

subdivisions

.... . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJeral Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

.

Bank premises owned, furniture and

fixtures .

. ....... .

Real estate owned other than bank

premises

.

lnYestments and othrr assets indi-

rrctly representing bank prrmiscs

or othrr real estate

Customers' liability to this b;nk on

acceptances outstanding

Othrr Assets

263,593.56 172,992.20
None 50,000.00
None 515,237.99
59,143.86 None
None None None

LIABILITIES Demand deposits Time deposits Deposits of L'. S. Govrrnmrnt Deposits of States and political sub-
divisions Drposits of banks Other deposits (certifird and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilitir~ Capital Surplus Undivided profits
Reservrs

Total Assets

1,060,967.61

Total LiabilitiPs

--~---

--------~~~~---~~~~~~-

532,942.85 182,776.60
13.671.50 120,295.82
None 8,548.19
None
None 2,050.27 100,000.00 70,000.00 30,682.38
None
1,060,967.61

FORTY-FOURTH
---- - - - -

A_N_N U_A_L_R_E_P O_R_T_ _ _ _ _ _ _ _ _......4::.7:.

STATEMENT Showing condition at the close of business December 31, 1963, of

THE BANK OF DALTON Dalton, Ga.

As called for by the Superintendent of Banks

JAMES J. COPELAND,

President.

Date of Charter: 12-26-1911
------ .-====

ASSETS

Cash. balances with other banks, in

eluding reserve balances, and cash items in process of collection

1,201,927.93

United States Government obligations, direct and guaranteed
Obli~Sations of States and political

1,581,447.35

subdivisions

. .. .

Other bonds. notes, and debentures

179,466.57 1.00

Corporatr stocks (including :.tock of Federal Reserve Bank)

None

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

...

.

2,654,348.40 121,919.36

Real estate owned other than bank

premises

.. . .

_.

None

Investments and other assets indi-

rectly rt>prcsenting bank prrmises or other real estate

None

Customers' liability to this bank on acceptances outstanding
Other Assets

None 2,531.70

Total Assets

5,741,642.31

MARGARET MAULDIN, Cashier.
Began Business: 10-12-1912

LIABILITIES

Demand deposits

$

Time deposits

..

Deposits of U. S. Governmrnt

Deposits of States and political sub-

divisions

Deposits of banks Other deposits (certifird and officer~'

checks, etc.)

Bills payable

Acceptances t>Xecuted by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

2,289,698.95 1,810,607.14
273,820.41
672,622.19 None
21,017.99 None
None 163,328.95 100,000.00 200,000.00 161,123.93
49,422.75

Total Liabilities

5,741,642.31

STATEMENT Showing condition at the close of business December 31, 1963, of

HARDWICK BANK & TRUST COMPANY Dalton, Ga.

As called for by the Superintendent of Banks

F. L. WILLIAMSON,

A. J. SECORD,

President. Date of Charter: 2-17-1922

Cashier. Began Business: 2-20-1922

======================~==~====

ASSETS

J.IABILITIES

Cash, balancrs with other banks, in-

Drmand lkpo.. it:'.

cluding reserve balances, and cash

Time deposits

items in proC<'SS of collection United States Government obliga-

2,184,780.73

Deposits of U. S. Governm('nt Deposits of States and political ~uh-

tions, direct and guaranteed

3,386,104.60

divisions

Obli~ations of States and political

subdivisions

.. . .

1,066,837.99

Deposits of banks

.

Other deposits (crrtificd and officer~

Other bonds, notes, and debentures

5,000.00

che-cks, etc.)

Corporate stocks (including stock of

Bills payable

FrJeral Reserve Bank)

1.00

Acceptances executed by ur for ac-

Loans and discounts (including over-

count of this bank and outstand-

drafts) Bank premises owned, furniture and

6,380,088.05

ing Other liabili tie~

fixtures

. . .. .. ..

118,323.98

Capital

Real estate owned other than hank

Surplus

premises

36,234.18

Undivided profits

Inve-stments and othrr assets indi-

Rrscrves

re-ctly representing bank premises

or othe-r real estate

None

Customrn' liability to this bank on

acce-ptancrs outstanding

None

Other Assets

810.28

6,392,688.81 4,026,516.69
793,708.48
886,951.13 None
61,366.12 None
None 133,521.41 200,000.00 550,000.00 133,428.17
None

Total Assets

13,178,180.81

Total Liabilities

$ 13,178,180.81

48 ~~~~~~~~_DEPARTMENT OF BANKIN_G=---~-~---~-

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF DANIELSVILLE Danielsville, Ga.
As called for by the Superintendent of Banks

ELCOE HUFF,
President Date of Charter: 12-11-1907

GEO. N. STOVALL, Cashier.
Began Business: 1-15-1908

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixturt>s

. . ...

Rt'al estate owned other than hank

premises

Investments and other assets indi-

rect1y representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

221,581.45 853,747.00
68,254.05 249,250.00
None 380,908.29
14,368.97 None
None None None 1.788,109.76

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

De~o~i~s of Statt's and political sub-

dtvtswns . . . . . ..

Deposits of banks .

. .. .

Other deposits {certifil'd and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

893,685.04 408,255.94
2,025.93
269,718.24 None
4,225.12 None
None 3,500.00 35,000.00 50,000.00 121,699.49
None

Total Liabilities

1,788,109.76

STATEMENT Showing condition at the close of business December 31, 1963, of

THE DARIEN BANK Darten, Ga.

As called for by the Superintendent of Banks

EDWARD R. GRAY, JR., President.
Date of Charter: 12-8-1888

P. E. CLARK, JR., Cashier.
Began Business: 1-24-1889

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items In process of collection .

United States Government obliga-

tions, direct and guaranteed

Obli~a~i?'!s of States and political

subdtVISIOOS . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . . . . ....

Real estate owned other than bank

premises . . . . . . . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate . . . ...

Customers' liability to this bank on

acceptances outstanding

Other Assets

289,660.84 1,041,740.73
186,372.54 60.171.06 None
869,542.93 37,875.00 None
None None None

Total Assets

$ 2,485,363.10

LIABILITIES

Demand deposits

$

Time deposits .

Deposits of U. S. Government

Deposits of States and political ~ub-

divisions . .

Deposits of banks

.

Other deposits (certified and officers'

checks, etc.)

.

Bills payable

Acceptances rxecutcd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

857,329.29 803,055.06 131,015.44
423,990.80 None
5,312.10 None
None 71,558.72 50,000.00 75,000.00 68,101.69
None

Total Liabilities

2,485,363.10

FORTY-FOURTH ANNUAL REPORT ------~49

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF DAWSON Dawson, Ga.

As called for by the Superintendent of Banks

ROGERS LOCKE, President.
Date of Charter: 6-29-1911

JACK EDWARDS, Cashier.
Began Business: 7-1-1911

ASSETS Cash, balances with other banks, in~

cludin~ reserve balances, and cash

items 1n process of collection

$

United States Government obliga-

tions, direct and guaranteed . Obli~ations of States and political

subdivisions . . . . . .

.

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

.

... . .

Bank premises owned, furniture and

fixtures

. . . . . . . . . . ..

Real estate owned other than bank

premises

Investments and other assets indi-

rectly representing bank premises

or othrr rt'al estate

Customers' liability to this bank (lll

accPptances outstanding

JthPr Assets

Total Assets

1,030,113.17 1,213,961.57
515,167.42 307,750.00
None 2,280,796.83
15,249.16 None
None None None 5,363,038.15

LIABILITIES Demand deposits
Time deposits Deposits of U. S. Governmrnt
Deposits of States and political subdivisions .
Deposits of banks
Other deposits (crrtified and officf'rs' checks, etc.)
Bills payable
Acceptances executed by or for ac-
count of this bank and outstanding
Other liabilities Capital Surplus Undivided Rrs('rves

2,120,703.70 1,991,240.47
46,117.32
674,886.19 27,799.85
21,857.85 None
None 30,261.02 200,000.00 200,000.00 50,171.75
None

Total Liabilities

5,363,038.15

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF TERRELL Dawson, Ga.

As called for by the Superintendent of BankR

J. E. KING, President.
Date of Charter: 3-23-1936

R. A. HILL, Cashier.
Began Business: 5-1-1936

ASSETS

=:ash, balances with other banks, indudin~ reserve balances, and cash

items 1n process of collection

Jnited States Government obliga-

tions, direct and guaranteed )bli~ations of States and political

subdivisions

.... .

)ther bonds, notes, and debentures ~orporatc 5tocks (including stock of

Feueral Reserve Bank)

..oans and discounts (including over-

drafts)

lank prC"mises owned, furniture and

fixtures . . . . . . .....

tr-al est a tc owned ot~r-r than bank

premises

nvestments and other assets indi-

r('ctly reprC"senting bank prr-mis<'s

or other rt'al estate

--:ustomrrs' liability to this bank nn

acceptances outstanding-

)thcr Assets

Total Assets

2,115,978.90 1,438,785.11
396,992.40 238,250.00
None 3,085,755.81
23,656.69 None
Non' None 12 7.8 G 7,299,546.77

LIABILITIES Demand dPposits Time deposits Deposits of U. S. Govr-rnmcnt Deposits of States and political sub-
divisions
Deposits of banks ..
Other deposits (certifird and orficrrs' checks, etc.)
Bills payable
Acceptances exc-cutr-d by or for a<-
count of this bank and outstanding
Other liabilities Capital Surplus
Undivided profits RC'sencs

2,598,787.17 2,738,988.32
82,566.37
525,797.4< 79,548.42
709,5~8.93
None
None None 200,000.00 200,000.00 138,461.37 25,798.75

Total Liabilities

7,299,546. 77

50

DEPARTMENT OF BANKING

~---------~-----------------

STATEMENT

Showing condition at the close of business December 31, 1963, of

DAWSON COUNTY BANK Dawsonville, Ga.

As called for by the Superintendent of Banks

H. G. VANDIVIERE, President.
Date of Charter: 7-1-1953

JOHN V. STILLER, Cashier.
Began Business: 7-13-1953

ASSETS Cash, balances with other banks, inM

eluding reserve balances, and cash

item" in process of collection . United Statt>s Governm('nt obliga-

tions, direct and guaranteed .. Obli~ations of States and political
subdivisions . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) Loans and discounts (including over-

drafts)

.

.

.

.

Bank premisPs owned, furniture and
R:!lt~~;:te. o~~~d. oth;r tha~ .bank

premises

Investments and other asscts indirectly representing bank premises

or other real estate

Customers' liability to this bank on acceptances outstanding

Other Assets

Total Assets

230,963.85 342,975.94 120,955.16 209,810.38
None 72 4,597.76
12,665.92 None
None None 1,155.36 1,643,124.37

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of Statcs and political sub-

divisions

Deposits of banks

.

Other deposits (cf'rtified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilitic~

Capital

Surplus

Undivided

Reserves

676,333.8 595,713.9
7,219.5
190,728.7 Non
14,0!;9.2 Non
Non Non 50,000.0 50,000.0 49,069.0 10,000.0

Total Liabilities

1,643,124.3

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS AND SOUTHERN EMORY BANK Decatur, Georgia

As called for by the Superintendent of Banks

JOHN F. INGRAM, JR.,

BOBBY G. MORRIS,

President.

Cashier.

Date of Charter: 12-11-1950

Began Business: 4-16-1951

ASSETS

Cash, balances with other banks, indudin~ reserve balances, and cash items 1n process of collection .

United States Government obliga-

tions, direct and guaranteed Obligations of States and political

!'ubdivisions . . . . . . . . . Other bonds, notes, and debentures
Corporate stocks (including stock of

Federal Reserve Bank) Loans and discoun'ts (including over-

drafts) Bank premisC'S

. owned,

furniturc

a~d

R:!it~~~~tc. ~~~~d other .than .bank

premises

.. .

..

Jnvestmcnts and other assets indf-

rectly representing bank prrmiscs

or other real estatc Customers' liability to this bank on

acceptances outstanding

Other Assets

1,557,966.39 3,942,777.11 1,050,135.45
None 2,275.00 3,783,000.19 32,031.48
None
300,000.00 None
132,488.33

Total Assets

$ 10,800,673.95

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks .. Other deposits (certified and officers'.
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding . . .. Other liabilitie:-~ Capital Surplus .. Undivided RcservPs

6,144,989.05 2,843,860.14
138,547.26
391,146.53 None
13,393.37 None
None 442,556.91 350,000.00 350,000.00
51,180.69 75,000.00

Total Liabilities

$ 10,800,673.95

1

FORTY-FOURTH ANNUAL REPORT

51

STATEMENT Showing condition at the close of business December 31, 1963, of

TONEY BROTHERS BANK Doerun: Ga.

As called for by the Superintendent of Banks

J. W. TONEY, President.
Date of Charter: 7-11-1945

J. W. TONEY, Cashier.
Began Business: 7-31-1945

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balanct's, and cash

items 10 process of collection . .

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

.... ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

..

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

premises

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

931.363.51 148.892.40
13,000.00 None None
1.175,819.11 6.201.00 None
None None None 2.275,276.02

LIABILITIES

Demand deposits

Time deposits .

.. .

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits {certified and officers'

checks, etc.)

Bills payable

.

Acceptances executed by or for ac-

count of this bank and DUtstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Resf.'rvcs

1.220,805.43 609,580.84 2,203.85
189,2 69.51 64,379.26
3,404.99 None
None None 50,000.00 100,000.00 22,632.14 13,000.00

Total Liabilities

$ 2,275.276.02

STATEMENT Showing condition at the close of business December 31, 1963, of

COMMERCIAL STATE BANK Donalsonville, Ga.

As called for by the Superintendent of Banks

W. H. VAN LANDINGHAM, President.

ELLEN G. SPIER, Cashier.

Date of Charter: 10-21-1938

Began Business: 12-16-1938

ASSETS

Cash, balances with other banks, includin~ reserve balances, a~d cash

items tn process of collectiOn _.

United States Government obliga-

tions, direct and guaranteed .. ; Obli~ations of States and pohttcal

subdivisions . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

...

Bank prf'mises owned, fur.niture and

R:!lt~~::te ~~n~d ~the; .th~n bank

premises ...... ...

Investments and ot,her assets indi-

rectly representing". bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets ...

Total Assets

$

873,770.53 356,593.75 259,198.74
60,000.00 None
1.491,064.57 20,544.49 20,347.90
None None 2,350.00 3,083,869.98

LIABILITIES

Demand deposits

.$

Time deposits

Dt>posits of U. S. Govf.'rnment

Deposits of States and political sub-

divisions

Dt>posits of banks .

.

Otht>r deposits (ccrtifi<'d and offic<'n'

checks, etc.)

Bills payable

Acceptances execut('d by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Rcs('rvcs

1,320,749.67 813,446.04 56,594.95
513,607.41 78,222.08
19.814.90 None
None 18,030.45 100.000.00
1 oo.ooo.o 0
63,404.48 None

Total Liabilities

3,083,869.98

52

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of

MERCHANTS AND FARMERS BANK Donalsonville, Ga.

As called for by the Superintenaent of Banks

HENRY 0. CUMMINGS, President.
Date of Charter: 9-24-1925

E. H. HOWARD, Cashier.
Began Business: 9-24-1925

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed . .

Oblil:{ations of States and political

subdivisions

.

.... . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-.

drafts)

.. .

....

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises . . . . . . .

.

Investments and other assets indi-

rectly representing bank premises

or otht'r real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

593,521.53 1,505,075.61
25,846.11 None None
812,646.42 59,881.15 None
None None 770.00

Total Assets

2,997,740.82

LTABILI.TIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

DdiZi!f~n~f S~ates and political sub-

Deposits of banks Otber deposits (certified and offict>rs'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilitie!l Capital Surplus Undivided profits
Reserves

1,483,761.08 803,133.08 27,955.26
421,535.21 None
11,439.45 None
None None 100,000.00 130,000.00 19,916.74 None

Total Liabilities

$ 2,997,740.82

STATEMENT Showing condition at the close of business December 31, 1963, of

COFFEE COUNTY BANK Douglas, Ga.

As called for by the Superintendent of Banks

H. L. SHANNON, President.
Date of Charter: 6-19-1931

HARVEL NORRIS, Cashier.
Began Business: 7-1-1931

ASSETS

Cash, balances with other banks, in~ludin~ reserve balanct's, a~d cash

Items In process of collectiOn .

United States Government obliga-

tions, direct and guaranteed ..

Obli-sations of States and political

subdivisions . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

... ..

Bank prt'mises owned, furniture and

fixtures . . . . . . . . ..

Real estate owned other than bank

premises

.. ... . .

Investments and other assets indi-

rectly representing bank premises

or otper real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

693,716.89 3,717,497.74
25,172.77 150,000.00
None 1,186,907.00
47,185.85 None
None None None 5,820,480.25

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Depo~i ts of banks Other deposits (certified and officrrs'
checks, etc.) Bills payable Acceptancrs PXecuted by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus Undivided profits Resrrvcs

2,647,527.97 1,961,351.49
83,295.81
484,102.67 119,815.48
6,761.53 None
None None 100,000.00 100,000.00 105,741.55 211.883.75

Total Liabilitit's

5,820.480.~5

FORTY-FOURTH ANNUAL REPORT
-------------------------

53

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE FARMERS BANK Douglas, Ga.

As called for by the Superintendent of Banks

F. S. STUBBS, SR.,

W. L. WILLIS,

President.

Cashier.

Date of Charter: 5-22-1945

Began Business: 7-5-1945

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items 10 process of collection . .

United States Government obliga-

tions, direct and guaranteed .. Oblil(a~i'?f!S of States and political

subdtVlSIOOS .

.

.. . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..

.

Bank premises owned, furniture and

fixtures . . . . . . . .

Real estate owned other than bank

premises

. . . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets . . . . .

Total Assets

$

1, 7 46,929.24 3,110,758.65
577,375.88 None None
3,038,241.52 38,057.45 25,000.00
None None 47.346.28 8,583,709.02

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub~

divisions

Deposits of banks .

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand~

ing

Other liabilities

Capital

Surplus

Undivided proli ts

Reserves

3,988,676.11 2,269,018.58
140,746.61
1,21~.8~3.2
242,754.45
10,293.05 None
None 80,915.4') 165.000.00 250,000.00 182,471.35 35,000.00

Total Liabilities

8,583,709.02

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS BANI{ OF DOUGLASVILLE Douglasville, Ga.

As called for by the Superintendent of Banks

I. S. OWINGS, President.
Date of Charter: 8-11-1959

HOMER M. WOODS, Cashier.
Began Business: 5-9-1960

ASSETS

Cash, balances with other banks, in-

dudin~ reserve balances, and cash

items In process of collection $

United States Government obliga~

tions, direct and .~uaranteed ..

Oblil(ations of States and political

subdivisions .

. . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over~

drafts)

.

.

Bank premises owned, furniture and

fixtures . . . . . . ..

Real estate owned other than bank

premises

. . .. . . .

Investments and other assets indi-

rC"ctly representing bank premises

or other real estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets. .

Total Assets

$

684,069.93 163,605.72
None None None 1,183,299.14 48,211.17 47,913.20
None None None 2,127,099.16

LIABILITIES

Demand deposits

$

Tim(' deposits

Deposits o( U. S. Govrrnmcnt

Deposits of States and political sub-

divisions

Devosits of banks .

..

Other deposits {certifird and officrrs'

checks. etc.)

Bills payable

Acceptancrs executed by or for ac-

count of this bank and outstand-

ing

Othf'r liabilitif's
Capital Surplus

Undivided profits

R('S{TVC'S

1,232,026.04 573,433.22 56,646.37
48,993.44 None
9,418.25 None
None 18,63o.n 100,000.00 70,000.00 17,950.92
None

Total Liabilities

2,127,099.16

54

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE COMMERCIAL BANK Douglasville, Ga.

As called for by the Superintendent of Banks

RAYMOND L. LLOYD,

J. A. COLLINS,

President.

Cashier.

Date of Charter: 4-24-1942

Began Business: 5-1-1942

ASSETS Cash, balances with other banks, in~

eluding reserve balances, and cash i terns in process of collection . $

United States Government obliga-
tions, direct and guaranteed .. Obli~a!i?f!S of States and political

subdiVJSIOllS

. . . . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premises owned, furniture and

fixtures

. . . . .....

Real estate owned other than bank

prt>mises

. . . . . . ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on acceptances outstanding .

Other Assets ..

Total Assets

576,376.85 1,204,687.48
70,245.45 20.000.00
None 1,600,907.23
117.740.16 None
None None 5,018.68 3,594.975.85

LIABILITIES

Demand deposits

Time deposits

...

Deposits of U. S. Government

Deposits of States and political .mh-

divisions .

..

DPposits of banks

.

..

Other deposits {certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac

count of this bank and out.stand

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,629,064.21 1.032,446.32
58,203.49
489,796.01 None
10.044.42 None
None 33,997.06 125.000.00 175,000.00 41.424.34
None

Total Liabilitit's

3,594,975.85

STATEMENT

Showing condition at the close of business December 31, 1963, of

CITIZENS AND SOUTHERN BANK OF DUBLIN Dublin, Ga.
As called for by the Superintendent of Banks

W. S. SIMMONS, President.
Date of Charter: 10-29-1928

THERON A. JERNIGAN, Cashier.
Began Business: 11-1-1928

ASSETS

Cash, balances with other banks, in

dudin~ rPSrTVC balances, and cash

it.ems m process of collection

United States Government obliga

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including :-;tock of

Federal Reserve Bank)

Loans and discounts (including over

drafts)

.

Bank prPrnises owned, furniture and

fixtures

Real estate owned othPr than bank

premises

Investments and other assets indi-

r'ct1y representing bank premises

or other rPal csta tc

Cu~tom<"rs' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

1,435,072.47 3,625,581.17
863,147.92 None
2,925.00 6,069,373.38
111,534.28 3,625.36
50,000.00 None
145.812.48 12,307,072.06

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. GovPrnrnent

D<"posits of States and political !'uh-

divisions

D<"posits of banks

Other deposits (certified and offic('r~'

checks, etc.)

Bills payable

Acceptances t"xecutNi hy or for ac-

count of this bank and ontstand-

ing-

Other liabilities

Capital

Surplus

Undivided profits

Rcs('rvrs

4,773,924.85 4,405,629.98
185,348.20
736,165.33 566,763.06
82,273.67 None
None 664,644.96 300.000.00 300,000.00 181.552.23 110,769.78

Total Liabiliti<'s

$ 12,307,072.06

FORTY-FOURTH ANNUAL REPORT

55

---------- -- ------

STATEMENT

Showing condition at the close of business December 31, 1963, of

FARMERS AND MERCHANTS BANK Dublin, Ga.
As called for by the Suptrintendent of Banks

L. P. KEEN, President.
Date of Charter; 5-26-1910

WALLACE E. MILLER, Cashier.
Began Business: 7-6-1910

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prf'mises owned, furniture and

fixtures . . .

Real estate owned other than bank

premises

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

1,332,986.12 2,246,9fl7 .00
15,000.00 600,000.00
None 2,179,4n2.43
16,206.41 39,000.00
None N nne 2.76R.61

LIABILITIES
Drmand deposits Time deposits Deposits of U. S. Govt'rnmC'nt Dt'posits of States and political :nth-
divisions Dt'po~its of banks . Other deposits (certified and officers'
checks. etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilitiC's Capital Surplus Undivided profits ResC'rVt'S

Total Assets

6,432,4SO.S7

Total Liabilities

----------------------L--------

2,393,534.49 1,927,567.88
158,319.77 904,982.68 569,27 4.55
36,406.59 None
None 118,84S.95 200,000.00 100,000.00
23,515.66 None
6,432,450.57

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE MORRIS STATE BANK

Dublin, Ga.

As called for by the Superintendent of Banks

S. BARRON SMITH, President.
Date of Charter: 7-31-1958

THOMAS L. WALKER, Cashier.
Began Business 10-2-1958

ASSETS Cash, balances with other banks, in-
dudin~ reserve balances, and cash iterns m procPss of collC'ction . United States Government obligations, direct and guaranteed Obligations of States and political
subdivisions Other bonds, notes, and debentures Corporate stocks {including stock of
Federal Reserve Bank) Loans and discounts (including over-
drafts) Bank premises owned, furniture and
fixtures Real estate owned other than bank
premises Investments and other assets indi-
rectly representing bank premises
or other real estate Customers' liability to this bank on
acceptances outstanding
Other Assets

L000,7 46.1 n
877,828.70 None
124.843.75 None
1,796,597.15 21,756.41 None
50,000.00 None
3,349.69

Total Assets

'$ 3,875,121.89

LIABILITIES
Demand dC'posits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions DC'posits of banks Other deposits (certified and officC'rs'
checks, etc.) Bills payable AcceptancPs exC'cuted by or for ac-
count of this bank and outstand-
ing Othrr liabilities
Capital Surplus Undivided profit..;
Resrrves

1,368,563.21 1,480,408.98
21,481.90
398,037.67 105,682.17
-64,820.84 None
None 71,137.67 200,000.00 100,000.00 64,989.45
None

Total Liabilities

3,875,121.89

56

DEPARTMENT

-----~-~-~--~-

OF

BANKIN-G- = - - - - - - - - - -

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF DUDLEY

Dudley, Ga.

As called for by the Superintendent of Banks

RUBERT L. HOGAN, President.
Date of Charter: 10-2-1905

JIMMY KEMP, Cashier.
Began Business: 11-1905

ASSETS Cash, balances with other banks in-
cludin$' reserve balances, and ~ash

items Ill proct>ss of collection . $

United States Government obliga-

tions, direct and guaranteed .. Obli~ations of States and political

subdivisions

.... ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank prt>miscs owned, furniture and

fixtures

..... .

Real estate O\vned other than bank

premises

.. .

....

Investments and other assets indi-

rectly representing bank premises

or other real tstate

Customers' liability to this bank on

acceptances. outstanding

Other Assets. . . .

Total Assets

493,883.93 673,925.16 344,097.76
None
1.637.87N1o.n6~e 1 2.00 i None
None None
- -N-o-ne,
3.149,780.531

LIABILITIES Demand deposits Time deposits Deposits of U. S. Governmt'nt Deposits of States and political suh-
divisions Deposits of banks . Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus Undivided profits Reserves
Total Liabilities

1,067,201.84 1,239,318.86
37,963.82 312,478.74 108,138.89
15,994.27 None
None 73,704.47 50,000.00 150,000.00 60,160.92 34,818.72
3.149,780.53

STATEMENT Showing condition at the close of business December 31, 1963, of

THE BANK OF DULUTH Duluth, Ga.

As called for by the Superintendent of Banks

C. M. PARSONS, JR., President.

A. DON CARROLL, Cashier.

Date of Charter: 1-22-1945

Began Business: 2-17-1945

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items 1n process of collection. $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .

Loans and discounts (including over-

drafts)

.

.

Bank pr<'mises owned, furniture and

fixtures . . . . . . . .

Real estate owned other than bank

premises . . . . . . . . . .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

396,067.11 694,165.94 324,548.94
None None 1,406,786.54 39,573.12 N onP
None None 28,996.2S 2,891,038.23

LIABILITIES Demand deposits
Time deposits Deposits o U. S. Government Deposits of States and political suh-
divisions Df"po~its o banks
Other deposits (certifi<'d and oHicC'rs' checks. etc.)
Bills payable
Acceptanc<'s executed by or for account o this bank and outstanding
Other liabilities Capital Surplus Undivided profits Res<'rvcs

1,436,228.27 821,203.05 52,234.06
202,372.83 None
4.80 None
None 68,491.87 100,000.00 163,200.00 47,303.35
None

Total Liabilities

2,891,038.23

FORTY-FOURTH ANNUAL REPORT

57

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF EASTMAN Eastman, Ga.
As called for by the Superintendent of Banks

JOHN F. JESSUP,
President. Date of charter: 12-28-1918

RUSSELL S. HARRELL, Cashier.
Began Business: 1-2-1919

ASSETS

Cash, balances with other banks, in-

cludin$' reserve balances, and cash

items 1n process of collection . . $

Unitt:'d States Government obliga-

tions, direct and guaranteed

Obli~ations .of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtuns .......... .

Real estate owned other than bank

premises . . . . . . . . . . .

Investments and other assets indi-

rectly representing bank premises

or oth{'r real estate . .

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

677,590.16 1,286,645.57
238,048.58 201,319.46
None 1,807,802.32
56,277.49 None
None None 200,000.00 4,467,683.58

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government DeP.o~i!s of States and political sub~

divisiOns

...

Dt'posits of banks . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable Acceptances executed by or for ac~
count of this bank and outstand~

oN~:r liabilities

Capital

Surplus

Undivided profits

Reserves

1,874,739.19 1,748,601.61
33,653.19
300,897.83 176,914.47
2,800.23 None
None 27,270.44 120,000.00 100,000.00 82,806.62
None

Total Liabilities

4,467,683.58

STATEMENT

Showing condition at the close of business December 31, 1963, of

CITIZENS CLEARING BANK Eastman, Ga.

As called for by the Superintendent of Banks

H. R. RAGAN,

B. B. ECKLES, JR.,

President.

Casllier.

Date of Charter: 3-12-1949

Began Business: 4-1-1949

ASSETS Cash, balances with other banks, in~
cludin~ reserve balanct>s, a!ld cash

iterns m process of collectiOn _. $

Unitt'd States Government obhga

tions, direct and guaranteed .. : Obli~a~i(;n'!s of States and pohttcal

subdtVJSIOflS . . . . . ...

Otht>r bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts) Bank premises owned, furniture and

fixtures .

. . .. .

Real estate owned other than bank

premises

". .

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

1,037,451.84 1,364,937.50
422,000.00 None None
1,528,912.22 28,045.65 None
None None None 4,3Rl,347.21

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Dt'posits of banks

.

Other deposits (certifif.'d and officers'

checks, etc.)

Bills payable

Acceptancf'S ("Xecuted by or for ac-

count of this bank and outstand-

ing

Othf"r liabilities

Capital

Surplus

Undivided profits

Rrservcs

2,235,330.28 1,392,629.89
179,567.00
148,556.69 !19,322.72
None None
None None 100,000.00 150,000.00 55,940.63 None

Total Liabiliti("s

4,381,347.21

58

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF FULTON COUNTY

East Point, Ga.

As called for by the Superintendent of Banks

W. RAY HOUSTON, President.
Date of Charter: 3-22-1934

LEONARD L. LOWE, Cashier.
Began Business: 4-2-1934

ASSETS

Cash, balances with other banks including reserve balances, and ~ash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed Ob1i~ations of States and political

subdivisions

. . .. . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . .. .

Rea) estate owned other than bank

premises

.

...

..

Investments and other assets indi-

rectly representing bank prcmist>s

or other real estate

Customers' liability to this bank on

acceptances outstanding

Otlier Assets..

.

1,588,868.07 2,416,792.97 1,478,305.94 1,184,707.44
None 6,239,876.91
235,798.66 None
None None 126,704.32

Total Assets

13,271.054.31

LIABILITIES

Demand deposits

.$

Time deposits

Deposits of U. S. Government

Deposits of States and political ~uh-

divisions

Depo~i ts of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

7,360,891.66 3,351,799.53
138,627.21
922,852.77 64,220.00
89,819.67 None
None 241,031.47 420,000.00 580,000.00 101,812.00
None

Total Liabilitif'"

$ 13,271,054.31

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE CITIZENS AND SOUTHERN BANK OF EAST POINT

East Point, Ga.

As called for by the Superintendent of Banks

EUGENE E. JONES,

EDWARD J. KORB,

President.

Cashier.

Date of Charter: 11-12-1948

Began Business: 11-19-1948

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $ United States Government obhga~

tions, direct and guaranteed

Obligations of Stat.s and political

subdivisions

.

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..

Bank prf'mises owned, furniture and

fixtur<'S

. . . . ..

Real estate owned other than bank

premises

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customt'rs' liability to this bank on

acceptances outstanding

Other Assets

1,554,161.75 .11 3,672,954.6g
925,710.74 None
83,250.00 5,793,569.00
96,431.41 None
None None 39,817.45

Total Assets

12,165,895.03

LIABILITIES Dt.'mand deposits Time deposits Deposits of U. S. Government Deposits of States and political ;-;uh-
divisions Deposits of banks . Other deposits (ccrtificd and officrrs'
checks, etc.) Bills payable
Acceptances exccutf'd by or for account of this bank and outstanding
Other liabilitiC's Capital Surplus Undivided profits Resrrvrs

5,442,599.05 2,990,161.82
414,794.29
582,635.36 1,112,122.90
71,015.80 None
None 580,274.18 300,000.00 300,000.00 100,173.83 272,117.80

Total Liabilitirs

$ 12,165,895.03

FORTY-FOURTH ANNUAL REPORT

59

STATEMENT Showing condition at the close of business December 31, 1963, of

FARMERS & MERCHANTS BANK Eatonton, Ga.

As called for by the Superintendent of Banks

L. 0. BENTON, JR., President.
Date of Charter: 10-30-1922

R. L. HARRISON, Cashier.
Began Business: 11-15-1922

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items In process of collection .

United States Government obliga-

tions, direct and guaranteed . Obli~ations of Stat~s and political

subdivisions

. . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

. .. . .

Bank premises owned, furniture and

fixtures . . . . . . . . . .

Real estate o\vncd other than bank

premises

. ..

. ....

Investments and oth('r assets indi-

rectly representing bank premises

or other real estate

..

Customers' liability to this bank on

acceptances outstanding

Other Assets

TMal Assets

404,425.24 1.178,380.06
40,521.27 None None
1,383,394.61 89,783.29 None

LIABILITIES Demand dt>posits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officcrs'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilitics Capital Surplus Undivided profits Reserves

1,222,398.59 1,448,202.16
40,641.85
172,033.59 None
13,148.79 None
None 1,947.80 100,000.00 80,000.00 20,507.39
None

None

None 2,375.70

3,098,880.17

Total Liabilities

STATEMENT

3,098,880.17 ----- . -- ----

Showing condition at the close of business December 31, 1963, of

THE PEOPLES BANK Eatonton, Ga.

As called for by the Superintendent of Banks

J. M. GREGORY,

HARVEY L. WILSON,

President. Date of Charter: 3-16-1944

Cashier. Began Business: 5-1-1944

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Govt'rnmcnt obliga-

tions. direct and guarantt'ed .. Obli~ations of Statcs and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owncd, furniture and

fixtures

...... .

Real estate owned other than bank

premises Investments and other assets indi-

rcctly representing bank premises

or other real estate

Customrrs' liability to this bank on

acceptanccs outstanding

Other Assets

Total Assets.

253,497.01 521,270.83
None 65,000.00
None 1,027,737.57
17,773.12 1.00
None None None 1,885,279.53

LIABILITIES

Demand dcposits

Time deposits

...

Deposits of C. S. Governmcnt Dt>posits of Statt'S and political ~uh-

divisions

Deposits of banks Othrr deposits (certified and officcr~

checks, etc.)

Bills payable

Acceptances executt'd by or for account of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

Total Liabilities

738,530.02 716,786.94
91,478.32 188,621.96
None
2,228.95 None
None 941.04 50,000.00 50,000.00 33,652.08 13,040.22
1,885,279.53

60 - - - - - ------=--==c..:.:::D.:=E=P=A.:.R.:;T:_M_=E-=N--T--=O-=F=-:B.=A.::N..:K::.I..N."'G--..._ _ _ _ _ _ _ _-----1

STATEMENT Showing .condition at the close of business December 31, 1963, of

THE BANK OF EDISON Edison, Ga.
As called for by the Superintendent of Banks

C. W. LOWE,

T. 0. MANRY,

President.

Cashier.

Date of Charter: 9-24-1904

Began Business: 1904

============================-~=-=-=-=-=-~-=-~-================

ASSETS

LIABILITIES

Cash, balances with other banks, in-

Drmand deposits

1,370,021.15

cludin~ reserve balances, and cash

items 10 process of collection

$

408,881.86

Time deposits .

.

Deposits of U. S. Government

952,175.45 33,714.78

United States Government obliga-

tions, direct and guaranteed Obli~Sations of States and political

subdivisions

. . . ...

Other bonds, notes, and debentures

1,198,538.59
318,683.88 319,911.50

Deposits of States and political sub-

divisions

Deposits of bank!~

.

Other deposits (certified and officers'

checks, etc.)

532,064.20 32,203.29
17,005.38

Corporate stocks (including stock of Federal Reserve Bank)

None

Bills payable Acceptances {'"Xecutcd by or for ac-

None

Loans and discounts (including over-

drafts)

.

.

909,365.33

count of this bank and outstanding

None

Bank premises owned, furniture and
Ref~~t~~t:te o~~~d other th.an..bank
premises . . . . . . . . . ...

46,000.00 None

Other liabilities Capital
Surplus Undivided profits

22,792.97 100,000.00 100,000.00
55,415.41

Investments and other assets indi-

Reserves

866.21

rectly representing bank premist'S or other real estate

None

Customers' liability to this bank on acceptances outstanding
Other Assets

None 14,877.68

Total Assets

3,216,258.84

Total Liabilities

3,216,258.84

STATEMENT Showing condition at the close of business December 31, 1963, of

GRANITE CITY BANK Elberton, Ga.

As called for by the Superintendent of Banks

A. D. WILBURN,

JAMES M. CLEVELAND,

President.

Cashier.

Date of Charter: 12-3-1927

Began Business: 1-2-1928

ASSETS

Cash, balanc('s with other banks. in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obltga-

tions. direct and guaranteed .. Obli~ations of States and pohttcal

subdivisions

...

Othrr bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reiervc Bank)

Loans and discounts (including over-

drafts)

.



Bank prcmisrs owned, furmture and

fixturrs

...

. ....

Real estate owned ()ther than bank

premises

. . . . . ....

Investments and other assets indi-

rectly representing bank premises

or othrr real estate

Customers' liability to this bank on

accC"ptances outstanding

Othrr AssC"ts

Total Assets

1,347.530.05 1,321,832.99
458,591.57 None
12,000.00 3,824,748.41
41,488.20 9,909.27
None None 25,820.12 7,041,920.61

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions . .

.

Deposits of banks

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

U ndividcd profits

Reserves

3,072.741.59 2,216,339.16
294,896.98
737,034.79 22,224.48
4,264.17 None
None 174.519.33 150,000.00 250,000.00 119,900.11
None

Total Liabilities

7,041,920.61

FORTY-FOURTH ANNUAL REPORT

61

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF ELLAVILLE Ellaville, Ga.

As called for by the Superintendent of Banks

L. S. BOYETTE, M.D., President.
Date of Charter: 9-10-1910

RICHARD G. CALLAWAY, Cashier.
Began Business: 9-16-1910

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions. direct and guaranteed Obli~ations of States and political

subdivisions

.. .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prf'mises owned, furniture and

fixtures .

Real estate owned other than bank

premises

Investments and oth<-r assets indi-

rcctly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

485,014.40 410,977.67 166,822.51
None None 807,935.86 8,288.73 None
None None 1,553.18 1,880,592.35

LIABILITIES Demand deposits Time deposits DC'posits of U. S. GnvPrnment Deposits of States and political :mh-
divisions Drpo!!iits of banks Other deposits (certified and offic:en'
checks, etc.) Bills payable
Acceptances executed by or for ac-
count of this bank and outstanding Otht>r liabilitirs Capital Surplus
Undivided profit<;
Rr-scncs

784,502.56 490,525.26
20,814.81
321,949.19 None
8,199.66 None
None None 25,000.00 125,000.00 104,600.87 None

Total Liabilitif's

1,880,592.35

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE BANK OF ELLIJAY Ellijay, Ga.

As called for by the Superintendent of Banks

E. T. HUDSON, President.
Date of Charter: 5-21-1914

HERMAN P. BENFIELD, Cashier.
Began Business: 6-1-1914

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in proCI?SS of collection

United States Government obliga-

Obltiio~nastiodnisrecotf

and guaranteed States and political

subdivisions

. ..

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.. .

..

Real estate owned other than bank

Premises . . . .



Investments and otht>r assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

756,985.00 1,7 46,939.78
528,001.92 None None
1,202,918.16 25,000.00 None
None None 8,067.53 4,267,912.39

LIABILITIES

Demand d'posits

Time deposits

Deposits of U. S. Gover~ll_lcnt

Deposits of Statt:>s and poltttcal sub-

divisions

DC'posi ts of hanks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,816,574.85 1,725,129.63
89,771.86
249,526.07 None
8,304.24 None
None 31,613.65 100,000.00 100,000.00
7,992.09 139,000.00

Total Liabilities

4,267,912.39

62

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of

FAIRBURN BANKING COMPANY Fairburn, Ga.
As called for by the Superintendent of Banks

Y. H. LONGINO,

MRS. WINNER B. LONGINO,

President.

Cashier.

Date of Charter: 9-14-1891

Began Business: 1902

- - -- ~---=--'------'-'== ============~==========~====~~~

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

itt>ms m process of collection . $

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

. .. . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.. .

Real estate owned other than bank

premises

.. .

. ..

Investments and other assets indi-

486,960.69 1,131.476.96
115.322.93 441,007.91
None 1,111,895.29
20,545.79 None

LIABILITIES
Demand deposits Time deposits Deposits of U. S. Gover~11_1cnt Deposits of States and poht1cal .sub-
divisions DPpmits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities
Capital Surplus Undivided profits
Reserve~

1,751,411.50 1,204,652.35
41,479.95
65,153.60 8,613.22
8,084.61 None
None 36,376.79 75,000.00 100,000.00
5,000.00 I 03,061.87

rectly representing bank premises

or other real estate Customers' liability to this bank on

50,000.00

acceptances outstanding

None

Other Assets

41,624.35

Total Assets.

3,398,833.92

Total Liabilities

3.398.833.92

STATEMENT

Showing condition at the close of business December 31, 1963, of

FARMERS AND MERCHANTS BANK

Fayetteville, Ga.

As called for by the Superintendent of Banks

H. P. REDWINE, President.

H. C. HEWELL, Cashier.

Date of Charter: 2-16-1906

Began Business: 3-13-1906

ASSETS

Cash, balancE's with other banks, includin~ reserve balances, and cash

items In process of collection

$

United States Government obliga-

tions, direct and guaranteed .. Obli~aiions of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

. . .. . .

Bank premiscs owned, furniture and

R:!r~~::tc ~~n~d ofher t.ha.n b~nk

premisrs

. ..

.

Investments and other assets indi-

rrctly representing bank premises

or other nal estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

525,077.23 689,67 4.95
51,969.78 100,000.00
None 1,410,813.08
13,091.79 None
25,000.00 None
9,552.39 2.825,179.22

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (certified and officer:-.'

checks, etc.)

Bills payable

Acceptancrs rxec.utrd by. or for ac-

count of this bank and ouhtand-

ing

Other liabilitic

Capital

Surplus

Undivided profits

Reserves

1.031.564.60 625,188.23 72.115.58
689,269.12 52,157.54
14,197.07 None
None 14'1,851.30
75,000.00 I 00,000.00
20,473.41 3,362.37

Total Liabilities

.$ 2,825,179.22

FORTY-FOURTH

ANNUAL

REPORT -----

_ _ _ ___,63

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF FINLEYSON Finleyson, Ga.
As called for by the Superintendent of Banks

R. L. SCARBOROUGH, President.
Date of Charter: 9-20-1910

CLARENCE FINLEYSON, Cashier.
Began Business: 9-20-1910

ASSETS

Cash, balances with other banks, in-

cludin!? resr-rve balances, and cash

itrms 10 process of collection

Cnit('d States Go\ernment obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ov'r-

drafts)

.

.

Bank premises o\vned, furniture and

fixtures

Real estate owned othC'r than hank

premises

..

Invt'stmcnts and other assets indi-

TC'Ctly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

14H,:l32.4G 122,000.00
None 200,000.00
None 19G,562.6G
708.83 None
Nont~
None None 667,603.95

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. GovernmPnt

Deposits of States and political :mh.

divisions

Deposits of banks .

.

Other deposits (certified and officrrs'

checks, etc.)

Bills payable

Acceptances exc<'uted by or for ac

count of this hank and outstand

ing

Other liabilitit's

Capital

Surplus

Undivided profits

RC'serves

Total Liabilities

41 G,716.34 77,173.00 None
22,139.83 None
5,364.95 None
None 9,383.40 25,000.00 50,000.00 25,000.00 36,82G.43
667,603.95

STATEMENT Showing condition at the close of business December 31, 1963, of

THE FIRST STATE BANK OF FITZGERALD Fitzgerald, Ga.

As called for by the Superintendent of Banks

B. I. ANDERSON, President.
Date of Charter: 5-24-1d48

W. P. HERWVICH, Cashier.
Began Business: 7-19-1948

ASSETS

Cash, halanc"s with oth"r banks, in

eluding rPservc balances, a:'d cash

items in proC"SS of collectiOn

$

United States Government obliga

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, not"s, and debcnturC's

Corporate stocks (including stock of

Federal RescrvP Bank)

Loans and discounts (including ovcr

drafts)

Bank premises owned, furniture and

R/!lt~~;;tc O\\l:n~d oth<'r th.an bank

premises

..

...

Investments and othcr assets indi-

rectly representing bank prcmisPs

or other real esta tc

Customers' liability to this bank on

acceptanc('S outstanding

Other AssC'ts

Total Assets

1579,121.09 1,086,770.81
31,184.14 100,156.25
None 1,611,563.97
21,572.35 32,536.50
None None 3,011.51 3,465,916.62

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political :-uh
divisions Deposits of banks Other deposits (certified and officC"r~'
checks. etc.)
Bills payable Acceptances C'xecutcd by or for ac-
count of this hank and outstand ing
Othrr liabilities
Capital
Surplus Undivided profits
Reserves

1,2~l6,366.G5
1,352,155.65 42,177.30
379,252.22 44,270.13
\!,322.39 None
None 5,000.00 100,000.00 200,000.00 37,372.3S
None

Total Liabilities

3,465,916.62

64

~--~DEPARTMENT OF BANKING

STATEMENT S\lowing condition at the close of business December 31, 1963, of

THE CITIZENS BANK Folkston, Ga.
As called for by the Superintendent of Banks

J. H. LESTER, JR., President.
Date of Charter: 12-12-1911

C. E. GLENN, Cashier.
Began Business: 1-4-1912

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in proccss of collection

$

United Statcs Government obliga-

tions, dinct and guaranteed Obli~ation<; of States and political

subdi\'isions

Other bonds. notes, and debentures

Corporat<' stocks (including stock of Federal Re~wrve Bank)

Loans and discounts (including over-

drafts) Bank prcmis<'s owned, furniture and

fixtures

.. . .

R'al estate o\vned other than bank

premises

.

..

....

Investmf'nts and other assets indi-

rectly representing bank premises

or othrr real estate Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

927,122.86 905,448.00 599,852.40 575,005.47
None 2,656,899.00
73,030.12 4,000.00
4,464.74 None 69.2R
5,745,89l.R7

LIABILITIES

Demand deposits

Time deposits

Df'posits of U. S. Gonrnment

Deposits of States and political sub

divisions

Deposits of banks

..

Other deposits (cf:'rtified and oicen

checks, etc.)

Bills payable

Acceptances executed by or for ac

count of this bank and outstand

ing

Othl:'r liabilitiPs

Capital

Surplus

Undivided profits

RescrVl:'S

2,151,5R5.87 2,421,451.56
3R,675.35
319,207.87 509.14
3,469.60 None
None 237,947.90 100,000.00 100,000.00 373,044.5R
None

Total Liabilities

5, 745,R91.87

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF FOREST PARK Forest Park, Ga.

As called for by the Superintendent of Banks

C. G. DUNCAN, SR.,

LENA B. CHAPUIS,

President. Date of Charter: 5-9-1956

Cashier. Began Business: 10-15-1956

ASSETS

Cash, balances with other banks, in-

dudin.l? resl:'rve balanct's, and cash

items m process of collection

Unitf'd States Government obliga-

tions, direct and guarantt>ed

Obli~ations of States and political

subdivisions

.. .

Otht'r bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

prt'mises

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank nn

acceptances outstanding

Other Assets

1,037,017.68 987,975.00 58,720.07 669,687.50 None
2,598,160.09 90,939.16 None
7,251.98 None
21,573.98

===~

LIABILITIES

D('mand deposits

$

Time deposits

..

Deposits of U. S. Governm('nt

Deposits of States and political .nth-

divisions . .

Drposits of banks .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand

ing

Other liabilities

Capital

Surplus

Undivided' profits

Rf'serves

.

2,995,975.83 1,413,946.33
139,311.53
470,354.24 None
30,798.38 None
.None 75,539.42 200,000.00 100,000.00 45,399.73
None

Total Assets

Total Liabilities

$ 5,471,325.46

FORTY -FOURTH_A_N~U_A_I_. R_E_P_O_R_T___ ---------~6:.;:5

STATEMENT Showing condition at the Close of business December 31, 1963, of

CITIZENS BANK OF FORSYTH

Forsyth, Ga.

As called for by the Superintendent of Banks

N. A. HARDIN, President.
Date of Charter: 2-17-1920

G. A. BANKS, Cashier.
Began Business: 3-1-1920

ASSETS

Cash, balances with other banks. in-

cludin~ reserve balances, and cash

items m process of collection

S

United Statt>s Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. .. .

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures . . . . .

.

Real estate owned other than bank

premises . . . . . . .

...

Investments and other assets indi-

rectly representing bank premis's

or other real estate .

Customers' liability to this bank on

acceptances outstanding

Other Assets

1,615,133.81 848,000.00 189,512.62 None None 434,393.39 3,637.08 None
None None None

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Ddi~i!f~n~f States and political sub-
Deposits of banks Other deposits (certified and officers'
checks) etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus Undivided profits Reserves

1,351,518.94 359,454.56 954,824.ZO
91,7 55.44 None
8,698.47 None
None None 40,000.00 60,000.00 20,269.94 204,155.35

Total Liabilities

3,090,676.90

STATEMENT Showing condition at the close of business December 31, 1963, of

THE FARMERS BANK Forsyth, Ga.

As called for by the Superintendent of Banks

R. 0. PERSONS, JR.,

C. E. MACKEY

President.

Cashier.

Date of Charter: 3-9-1910

Be~n Business: 1910

ASSETS

Cash, balances with other banks. in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

,

Bank premises owned, furniture and

fixtures

..

.

Real estate owned other than bank

premises

. .. .

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

266,031.35 655,831.88
None 50,000.00
None 1.058,024.3G
2,752.00 None
None None 212.07 2.032,R5!.6G

LIABILITIES Demand deposits Time deposits Deposits of U. S. Govcrnmf'nt Deposits of States and political !illh-
divisions Deposits of banks Other deposits (certified and officer:o.'
checks, etc.) Bills payable Acceptanct's executed by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus Undivided profits Reserves

809,758.11 721,046.43 177,431.73
134,187.42 None
1,306.75 None
None 9,015.84 100,000.00 50,000.00
None 30,105.38

Total Liabilities

2,032,851.66

66

DEPARTMENT OF BANKING

--------------------~

STATEMF.NT Showing condition at the close of business December 31, 1963, of

MONROE COUNTY BANK Forsyth, Ga.
As called for by the Superintendent of Banks

CHARNER W. HILL,

JAS. M. McCARTY,

President.

Cashier.

Date of Charter: 11-2-1908

Began Business: 10-15-1908

======~~======~==============

ASSETS.

Cash, balances with other banks, in-

dudin,!? reserve balances, and cash

items 10 process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. .. . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

...

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

premises . . . . ....... .

Investments and other assets indi-

rectly representing bank prcmiscs

444,755.36 727,388.21 605,325.0 I 588,168.75
None 1,148,111.80
3,802.31 379.00

LIABILITIES Demand deposits Time deposit~ Deposits of U. S. Government Dt"posits of States and political o:~uh-
divisions Deposits of banks Other deposits (certified and oficers'
checks, etc.) Bills payable Accf'ptances executed by or for ac-
count of this bank and outstanding Other liabilities
Capital Surplus Undivided profits Rcst"rves

1,351,379.33 1,621,456.03
27,749.53
271,611.89 None
8,807.40 None
None 27,223.80 25,000.00 75,000.00 54,171.21 75,531.25

or other real estate

None

Customers' liability to this bank on

acceptances outstanding

None

Other Assets

20,000.00

Total Assets

. $ 3,537,9:30.44

Total LiabilitiPs

3,GH,930.44

STATEMENT

Showing condition at the close of business December 31, 1963, of

FORT GAINES BANKING COMPANY

Fort Gaines, Ga.

As called for by the Superintendent of Banks

W. G. GRIMSLEY, President.
Date of Charter: 2-11-1937

JAS. A. BROWN, Cashier.
BeR"an Business: 2-15-1937

ASSETS

Cash, balances with other banks, in-

dudin~ resf'rve balances, and cash

items m process of collection .

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. . . ..

Other bonds, notr-s, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..

Bank prt>mises owned, furniture and

fixtures

Real estate owned other than bank

premises

.

. ..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

260,140.44 967,451.00 127,869.50
None None 562,010.25 66,572.46 None
None None None 1,984,043.65

LIABILITIES Demand deposits Time deposits Deposits of U. S. Govcrnmt"nt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks. etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Othl'"r liabilitif's
Capital Snrplus Undividrd profits Reserves

1,089,857.55 435,809.87 2,035.00
205,426.27 6,947.07
2,109.57 None
None 3,394.40 50,000.00 100,000.00 73,463.92 15,000.00

Total Liabilitif'">

1,984,043.65

FORTY-FOURTH ANNUAL REP-O-R-T---------------6~'7

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF FORT VALLEY Fort Valley, Ga.

As called for by the Superintendent of Banks

W. E. GREENE, President.
Date of Charter: 10-11-1924

HERBERT HUCKABEE, Cashier.
Began Business: 10-15-1924

ASSETS

Cash, balances with other banks. in-

cluding reserve balances, and cash

items in process of collection

United Statcs Government obliga-

tions, direct and guaranteed Obli~ationc; of States and political

subdivisions Other bonds. notes, and debentures

Corporatt> stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts) Bank premisrs owned, furniture and

fixtures

..

.

.

Real estate owned othf'r than bank

premises

.

. . . ....

Investments and other assets indi-

rectly rrprescnting bank prcmises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

820,140.90 2,255,170.62 1,07 4,390.7 6
None None 2,497,815.90 32,687.SG None
None None 1,219.30 6,681,425.43

LIABILITIES

Demand df'posits

Timt> deposits

Deposits of G. S. Government

Deposits of Stat('s and political sub-

divisions

Deposits of banks

.

Otht>r deposit!\ (certified and officers'

checks, etc.)

Bills payable

Acceptances f'Xccuted by or for ac-

count of this bank and outstand-

ing

Oth('r liabilities

Capital

Surplus

Undivided profits

Reserves

3,324,112.00 1.102,439.23
137,003.17
1.242,164.7H 10,000.00
29,577.31 None
None 70,597.60 200,000.00 200,000.00 365,531.34
None

Total Liabiliti('s

6,681,425.43

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS BANK

Fort Valley, Ga.

As called for by the Superintendent of Banks

C. E. MOORE,

G. D. GASSETT,

President. Date of Charter: 12-24-1906

Cashier. Began Business: 1-1-1907

ASSETS

Cash, balances with other banks, in-

cluding rt>serve balancf's, and cash

itcms in process of collection .

United States Government obliga-

tions, direct and guaranteed .. Obli~ations of States and political

subdivisions Other bonds, notes, and debentures

Corporate stocks (including :;;tack of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premises owned, furniture and

fixtures

. . . . . . . ..

Real estate owned other than bank

premises

..

. ....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

LIABILITIES

I Demand 'deposits Time deposits

I 304,391.50

Dt>posits of U. S. Government Deposits of States and political sub-

402,000.00 I
I
None None

divisions

Depo~its of banks . .

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

I None

AcccptancPs ('xecuted by or for account of this bank and outstand-

I 508,397.80

ing Other liabilities

1,370.00 I I
None

Capital Surplus Undivided profits
ResC'rvcs

452,758.42 217,735.01
711.52
176,204.62 55,608.90
7,002.57 None
None 11.364.7 4 80,000.00 170,000.00 45,280.72
None

I None
None
.I 507.20
1,216,666.50

Total Liabilities

$ 1,216,666.50

68

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

THE BANK OF HEARD COUNTY

Franklin, Ga.

As called for by the Suoerintendent of Banks

T. W. GOODSON,

THOMAS W. GOODSON, JR.,

President.

Cashier.

Date of Charter: 10-14-1905

Began Business: 10-18-1905

ASSETS

Cash, balances with other banks, in-

cludin!? reserve balances, and cash

items 1n process of collection

United States Government obliga-

tions, direct and guaranteed .

Obli~ations of States and political

subdivisions

. ..

Otht>r bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

.

Bank pr<'miscs owned, furniture and

fixtures

Real estate owned other than bank

premises

.. .. . .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customt>rs' liability to this bank on

acceptances outstanding

Other Assets ..

Total Assets

332,925.85 962,353.20
67,158.04 75,000.00
None 695,124.83
17,181.17 None
None None None 2,149,743.09

LIABILITIES

Demand deposits

$

Time deposits

DPposits of U. S. Government Deposits of States and political suh~

divisions

Deposits of banks

Other deposits (certified and officers'

checks. etc.)

.

Bills payable

Acceptanc('s executed by or for ac-

count of this bank and outstand-

ing

Other liabiliti~?s

Capital

Surplus

Undivided profits

Reserves

699,914.36 677,068.58
23,500.92
498,021.57 None
3,195.19 None
None 544.00 50,000.00 150,000.00 37,498.47 10,000.00

Total Liabilities

$ 2,149,743.09

STATEMENT, Showing condition at the close of business December 31, 1963, of

THE CITIZENS BANK Gainesville, Ga.
As called for by the :Superintendent of Banks

ROBERT A. BRICE,

PIERCE J. HANCOCK,

President. Date of Charter: 5-19-1913

Cashier. Began Business: 6-1913

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items In process of collection . $ United States Government obliga-

tions, direct and guaranteed . . Obliga!i?~' of States and political

subdiVISIOnS . . . . . . . . . . .

Other bonds, notes, and debentures Corporate stocks (including stock of

Fcueral Reserve Bank) . . Loans and discounts (including over-

drafts)

.

.. .

Bank premises owncd, furniturt' and

fixtures . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

. ..

. . ...

Investments and other assets indi-

rectly representing bank prt"miscs

or other real estate

Customers' liability to this bank. on

. acceptances outstanding

Other Assets

1,776,323.49 2,134,877.57
321,516.36 935,253.10 214,470.00 3,729,320.03
26,696.64 None
None None 1,592.81

Total Assets

9,140,050.00

LIABILITIES Demand deposits Time deposits D~?posits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits {ct'rtified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilitic Capital Surplus Undivided
R('S('r\'('!'

4,806,870.72 2,293,727.89
119,681.41
1,126,903.13 20,689.80
6,041.13 None
None 15,000.00 300,000.00 250,000.00 178,994.06 22,141.86

Total Liabilities

9,140,050.00

FORTY-FOURTH ANNUAL REPORT

69

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF GIBSON Gih&on, Ga.

As called for by the Superintendent of Banks

LOUIE H. GRIFFIN, M.D.,

E. E. GRIFFIN, JR.,

President.

Cashier.

nate of Charter: 11-7-1905

Began Business: 11-27-1905

ASSETS Cash, balancl:'s with other banks, in-

cluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed Obliga!i<!~s of States and political

subdiVISIOllS

. .... .... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) Loans and discounts (i~cluding over-

drafts)

. ..

Bank premisf's owned, furniture and

fixtures

. . . . . . ....

Real <'state owned other than bank

premises

..

.

.

ln\'cstments and othPr assets indi-

nctly representing bank prrmiscs

or othrr real estate Customers' liability to

this

b~nk

flll

acc<'ptances outstanding

Oth<'r Assets

Total Assets

277,652.85 578,552.56 101,397.30
None None 113,792.63 8,500.00 None
None None None 1,079,895.34

LIABILITIES Demand dt>posits Time deposits Deposits of U. S. Government Ddi~i!f~n~f ~~ate_s and political sub-
Deposits of banks Other deposits (certifiPd and officers'
checks, etc.) Bills payable Acceptances <'Xrcut('d by or for ac-
count of this bank and outstanding Othrr liabilitic~ Capital Surplus Undivided profits Resen'C'S

547,752.59 10,000.00 None
440,000.1JO None
442.75 None
None None 25,000.00 37,500.00 19,200.00 None

Total Liabiliti<'s

1,079,895.34

STATEMENT Showing condition at the close' of business December 31, 1963, of
CITIZENS BANK Glennville, Ga.
As called for by the Superintendent of Banks

T. R. SMITH, President.
Date of Charter: 12-31-1942

MRS. MARGARET D. BACON, Cashier.
_______ ---~egan__}'lusiness: 1-4-1943

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

itPm" m process of collection -

United States Governml.'nt obliga-

tions, direct and guaranteed Obli~ation" of Stat<'s and political

~ubdivisions

Other bonds, notes, and debentures

Corporate :-;tacks (including stock of

Federal Reserve Bank)

Loans and discount~ (includin~ over-

drafts)

Bank premises owned, furniture and

fixtures . .

.

..

Real estate owned othC'r than bank

premises

.

Investments and other as~cts indi-

rl.'ctly re-presenting bank premisrs

or oth<'r rC'al estate cu~tomrn' liability to thio; hank on

acceptances outstandin~

Other Assets

Total i\s'if't<>

406,085.33 250,744.44
69,453.30 308,937.50
None 851.320.91
22,715.48 None
None None None 1,909,256.96

LIABILITIES Demand deposits Time deposits Deposits of U. S. Govrrnmcnt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and oficPn'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabiliti<':'\ Capital Surplus Undivided profits ResrT\'C'S

657,591.13 686,463.0G
20,641.58
310,217.93 None
978.88 None
None 20,818.60 60,000.00 40,000.00 112,545.78
None

Total Liabili ti<'~

1,909,256.96

70 ~-~------ -~----~----=-D=EPARTMENT OF BANKIN_G_ __

STATEMENT Showing condition at the close of business December 31, 1963, of

THE GLENNVILLE BANK

Glennville, Ga.

As called for by the Superintendent of Banks

J. A. BACON,

J. A. ROGERS,

President.

Cashier.

Date of Charter: 1-12-1905

Began Business: 1-18-1905

ASSETS Cash, balanc<'s with other banks. ~n

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

~mbdivisions

. .. .

Othf"r bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . ._

...

Real estate owned othcr than bank

premises . . . . . .

....

Investments and other assets indi-

rectly representing bank prcmist's

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

591,084.18 937,956.65 105,110.66
None None 2,067,802.21 29,272.52 None
None None 16,390.07 3,747,616.29

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Govt'rnmcnt

Ddi~i!f~n~f S~atc_s and political sub-

Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Otht-r liabilities Capital Surplus U ndividcd profits Reserves

1,323,591.72 1.839,083.58
17,264.22
207,342.17 None
18,453.15 None
None 23,437.92 100,000.00 100,000.00 118,443.53
None

Total Liabilities

3,747,616.29

STATEMENT

Showing condition at the close of bus!ness December 31, 1963, of

THE GORDON BANK Gordon, Ga.

As called for by the Superintendent of Banks

R. F. GIBBS, President.
Date of Charter: 6-8-1946

R. F. GIBBS, Cashier.
Began Business: 8-1-1946

ASSETS

Cash, balances with other banks. in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

. ..

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loanc; and discounts (including over-

drafts)

.

Bank prcmisPc; owned, furniture and

fixtures

..

.

.

RPal estate owned other than bank

premises

.

. ...

Investments and other assets indi-

rectly repnsenting bank pnmises

or other rt'al t'statc

Customers' liability to this bank nn

acceptances outstandin~

Other Assetc;

Total Assets

345,710.41 275,000.00 ll!".i, 185.48 280,000.00
None 7 56,939.HX
1 o,7o3.n None
None None None l,7R3,!'i3H.RO

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. GovPrnmf'nt

Dcposits of States and political ~uh-

divisions

Deposits of banks

Other deposits (certified and officns'

checks. etc.)

llills payable

Acceptances executed hy or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

607,686.47 707,383.26
2,8 75.00
244,699.70 None
1,507.25 None
Non<..~
None 35,000.00 100,000.00 84,388.12
None

Total Liabilities

1,783,539.80

FORTY-FOURTH ANNUAL REPORT

71

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF GRAY Gray, Ga.

As called for by the Superintendent of Banks

D. V. CHILDS, JR.,

D. V. CHILDS, JR.,

President.

Cashier.

Date of Charter: 8-23-1909

Began Business: 8-28-1909

ASSETS Cash, h<;llances with other banks, in~

duding reserve balances, a!ld cash

items in process of collectiOn .

United States Government obliga-

tions, direct and guaranteed . _. Obli~ations of States and political

subdivisions

. .... . . ..

Other bonds, notes, and deh<"nturcs

Corporate stocks (including Ktock of

Federal Reserve Bank)

Loans and discounts (including O\'Cr-

dralts) Bank premises

ownrd,

furniture

a~d

R:!~t~!~:tc ~wn~ci ~ih~r tha~ .bank

premises

. . . .....

Investments and other assets indi-

rectly representing bank prC'miscs

or othrr real estate

Customers' liability to this bank on accC'ptances outstandin~

Other Assets

Total Assets

389,747.17 480,837.50
48,537.26 None None
731.709.49 31,356.54 5,750.00
None None None 1,687,937.96

LIABILITIES Demand d'posits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (cntifird and officrrs'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-

859,605.69 342,435.51
3,825.48
347,641.20 None
4,361.18 None
None None 50,000.00 50,000.00 30,068.90 None

Total Liabilitie~

1,687,937.96

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF GREENSBORO Greensboro, Ga.

As called for by the Superintendent of Banks

H. D. GOODWIN, President.
Date of Charter: 10-13-1926

C. WELDON SMITH, Cashier.
Began Business: 10-14-1926

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed . . Obli~atiom of States and political

wbdivisions . . . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ovt'r-

drafts)

. . . ..

.

Bank premises owned, furniture and

fixtures .. .. .. . .. . .. .. . .

Real estate owned other than bank

premises

..

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank un

acceptances outstanding

Other Assets

Total Assets

622,862.55 G71,820.31 381,096.76 209,289.07
None 1.224,883.26
5,174.96 15,600.00
None None None 3,030,726.91

LIABILITIES

Demand deposits

Time deposits

Deposij:s of U. S. Govermn'nt

Deposits of States and political sub-

divisions

Deposits of banks .

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilitie~

Capital

Surplus

Undivided

Rrsf'rves

898,611.81) 1.4 75,462.56
43,293.58
265,999.84 40,000.00
41,464.90 None
None 28,000.00 100,000.00 100,000.00 37,894.18
None

Total Liabilities

3,030,726.91

72

DEPARTMENT OF BANKIN--G-----------------------

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS BANK Greensboro, Ga.

As called for by the Superintendent of Banks

J. M. REYNOLDS, President.
Date of Charter: 3-9-1946

L. C. MITCHELL, Cashier.
Began Business: 4-1-1946

ASSETS

Cash, halancf's with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

'United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feclcral Reserve Bank)

Loan-; and discounts (including over-

drafts)

.

Rank premisrs owned, furniture and

fixtures

..

. ....... .

Real estate owned othPr than bank

prcmis's

.

..

Investments and othf'r assets indi-

rectly reprcsc-nting hank premises

or othcr nal <'statr

Customers' liability to this bank on

acceptances outstandin~

Other Assets

Total Assets

$

485,475.97 469,612.67 298,502.85
None None 900,223.88 1,809.88 None
None None 2,924.01 2,158,549.26

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-.

divisions

Deposits of banks

.

Otht>r deposits (certified and officers'

checks, etc.)

Bills payable Acceptances t>Xccu ted by or for ac-

count of this bank and outstand-

ofhfr Iiabilitie~

Capital

Surplus

Undivided profits

RescT\'es

915,412.10 730,651.45
46,620.54
246,257.66 None
1,367.51 None
None 240.00 75,000.00 75,000.00 68,000.00
None

Total Liabilitie~

2,158,549.26

STATEMENT Showing condition at the close of business December 31, 1963, of

THE GREENVILLE BANKING CO. Greenville, Ga.
As called for by the Superintendent of Banks

R. J. ATKINSON, President.
Date of Charter: 10-24-1887

R. M. PHILLIPS, Cashier.
Began Business: 1891

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

item" in procrss of collection

$

United States Government obliga-

tions, direct and guaranteed

Obli~ationc; of StatC's and political

subdivisions

Other bonds, notl's, and debentures

Corp0ratf' stocks (including 1;tock of

FetiC'fal ResPrve Bank)

Loanc; and discounts (including over-

d~hs)

.

.

Bank prPmises owned, furniturC' and

fixtures

. ..

Real f'State owned other than bank

prf'misl'S

Investments and othl"r assC'tS indi-

rectly rrpresentinR bank premises

or other rral estate

Customf'rs' liability to this bank on

acceptances outstandin~

Other Assets

Total As..,cts

217,929.42 621,168.8(1 143,907.01 264,476.50
None 562,143.23
7,110.85 None
None None 2,979.61 1,819,715.51

LIABILITIES
Demand deposits Time deposits Deposits of C. S. Government Deposits of States and poEtical sub-
divisions Deposits of banks Other deposits (cC'rtificd and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liahilitif'!\ Capital Surplus Undivided profits
RC'serve"

721,126.26 597,514.8:1
43,436.5R
279,877.03 None
:1,668.47 None
None 6,000.00 50,000.00 50,000.00 64,014.85
4,077.4~1

Total Liabilities

1,819,715.51

FORTY-FOURTH ANNUAL REPORT

73

STATEMENT Showing condition at the close of business December 31, 1963, of

COMMERCIAL BANK & TRUST COMPANY Griffin, Ga.

As called for by the Superintendent of Banks

C. T. PARKER, President.
Date of Charter: 10-11-1889

JACKSON D. HARDY, Cashier.
Began Business: 10-9-1890

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

..

.

..

R<'al estate owned other than bank

premises

. . . . . . . . ...

Investments and otht'r assets indi-

rectly representing bank premises.

or other rt>al estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

2,645,738.67 5,337,000.56 1.693,571.56
None None 9.082,222. 71 401,452.71 None
None None None 19.159,986.21

LIABILITIES

Demand dl'posits

Time deposits

Deposits of U. S. Go\'rnment

Dl'posits of Statf"s and political sub-

divisions

.

.

.

Deposits of hanks .

.

Othcr deposits (certifird and officers'

checks. etc.)

Bills payabl..

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

7,241,893.50 6,899,684.19
333.380.30
2,227,944.66 44,294.07
156,162.58 None
None 701,725.93 400,000.00 1,000,000.00 154,900.98
None

Total LiaJ,ilities

$ 19,159.986.21

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE STATE BANK Griffin, Ga.

As called for by the Superintendent of Banks

S. T. MARTIN, President.
Date of Charter: 4-24-1933

F. WESTMORELAND, Cashier.
Began Business: 5-2-1933

ASSETS

Cash, balances with other banks, in-

cluding n-serve balances, and cash

itt>ms in process of collection

Vnitrd States Government obliga-

tion<;. direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, not's, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

Bank prf'mises ownrd, furniture and

fixtures

..

.

Real estate ownrd other than bank

premises

.

Investments and other assets indi-

rectly representing bank prcmisl's

or other real eo;tatc

Custom<'rs' liability to this bank on

accrptances outstanding

Other Assets

Total Assets

2,614,799.77 2,113,051.72
(143,683.41 None
27,000.00 4,339,256.90
15~1.423.13
None None None 10.2fi9,159.3G

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Govrrnment

Deposits of States and political :mb-

divisions

Drpo5its of banks .

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

AcceptancPs cxecutt>d by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

4,327,578.78 2,739,060.26
293,306.34
1,684,055.91 None
14,575.R~J
None
Non( 104,066.55 300,000.00 600,000.00 196,515.63
None

Total LiabilitiPs

$ 10,259,15!1.36

74 _ _ _ _ _ _ _ _ _ _D_E_P_A_R_T_M_E_N_T_O_F_B_AN_K_I~_G____

STATEMENT Showing condition at the close of business December 31, 1963, of

JONES COUNTY BANK Haddoek, Ga.

As called for by the Superintendent of Banks

L. M. WOODCOCK, President.
Date of Charter: 7-14-1905

L. M. WOODCOCK, Cashier.
Began Business: 7-25-1905

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection

United States Government obliga-

tions. direct and guaranteed

Oblir(ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including OVt'r-

dralts)

.

.

.

Bank premises owned, furniture and

fixtures

. . ..

..

Real estate owned other than bank

premises

. . .....

Investments and other assets indi-

rectly representing bank premises

or other nal estate

Customrrs' liability to this bank (Jll

acceptances outstanding

Other Assets

Total Assets

$

222,644.91 114,000.00
19,593.33 None None
311,040.83 887.00 1.00
None None 8,283.62 676,450.69

LIABILITIES

Demand deposits

<s

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

ResC'rvcs

342,047.90 103,899.86
4,35'2.50
100,000.00 None
859.66 None
None None 25,000.00 75,000.00 25,290.77 None

Total Mbilitirs

.676,450.69

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK OF HAHIRA Hahira, Ga.

As called for by the Superintendent of Banks

D. K. HOLLIS, JR.,

M. W. KIRKLAND,

President. Date of Charter: 2-12-1927

Cashier. Began Business: 2-21-1927

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itrms in process of collection L~nitt'd States Government obliga-

tions, direct and guaranteed

Obli~ationc:; of StatC"s and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

FcUcral ResC"rve Bank)

Loans and discounts (including over-

drafts)

.

.

Hank prrmisrs ownrd, furniture and

fixtuns

Real ('State owned other than bank

premisrs

lnHstmrnts and othrr assets indi-

rectly representing bank premises

or other rral estate

Cu-.tomcrs' liability to this bank Hll

arrrptanccs outstanding

Other As~cts

Total Ac:;<;cts

394,2_43.07 213,215.42
84,425.93 149,906.25
None 1,041,618.30
28,079.13 1.00
None None None 1,911,489.10

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of Statt's and political sub-
divisions Deposits of banks Othe-r deposits (certified and officers'
checks, t>tc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Otht>r liabilitie!\ Capital Surplus Undivided RrserYes
Total Liabilitie.-.

R54,923.42
787,245.~6
6,800.00
82,157.81 8,177.59
None None
None 23,937.86 50,000.00 50,000.00 23,443.7 4 24,803.42
1,911,489.10

FORTY-FOURTH ANNUAL REPORT

75

------------------------

STATEMENT

Showing condition at the close of business December 31, 1963, of

COMMERCIAL BANKING COMPANY Hahira, GL

As called for by the Superintendent of Banks

TALLEY LAWSON, President.
Date of Charter: 1-29-1945

V. A. GASKINS, Cashier.
Began Business: 4-5-1945

ASSETS Cash, balances with other banks, in~

eluding reserve balances, and cash

items in process of collection

$

L'nited States Government obliga-

tions, direct and guaranteed Obli~ations of Statrs and political

subdivisions

.... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniturr and

fixtures

Real estate owned other than .bank

prcmises

Investments and otht"r assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

~

164,918.92 658,662.18
5,000.00 None None
226,361.20 1,500.00 None
None None None 1,056,442.30

I. lABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political ~uh-
divisions Deposits of hanks Other deposits (cntified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilitie~ Capital Surplus Undivided profits Reserv's
Total Liabilities

447,961.88 426,015.25
500.28
87,659.65 None
9,956.84 None
None 5,183.84 25,000.00 25,000.00 4,164.56 25,000.00
1,056,442.30

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANK OF HAPEVILLE Hapeville, GL
As called for by the Superintendent of Banks

THOS. H. CAREY, President.
Date of Charter: 7-20-1945

H. N. BUCHANAN, Cashier.
Began Business: 9-4-1945

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures Corporate stocks (including ~tock of

Fctleral Reserve Bank)

Loans and discounts (including over-

drafts)

. .. . ..

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

.

..

..

Investments and other assets indi-

rectly representing bank pHmises

or othrr real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

771,597.03 1.946,800.93
453,883.0n 100,000.00
None 4,591,084.42
134,118.43 None
20,000.00 None
41,366.55 8,058,850.41

LIABILITIES

Demand deposits

Time deposits Deposits of U. S. Gover~~t"nt

Deposits of States and poht1cal sub-

divisions

Deposits of banks .

.

Other deposits (certified and ofFicl"rs'

checks, etc.)

Bills payable . Acceptances executed by or for ac-

count of this bank and outstand-

ing . .

.

Other liabilitie

Capital

Surplus

Undivided profits

Rf'S<'rVe:s

4,238,757.1 G 1,870,095.21
411,600.60
72,721.79 24,642.57
20~.941.66
100,000.00
None 341,109.84 450,000.00 175,000.00 170,981.58
None

Total Liabilities

.$ 8,058,850.41

76

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF COLUMBIA COUNTY Harlem, Ga.

As called for by the Superintendent of Banks

E. D. CLARY, JR.

HENRY E. L. MILLER,

President.

Cashier.

Date. of Charter: 11-29-1909

Began Business: 12-13-1909

ASSETS

Cash, balances with other banks, in-

cluding rest'rvc balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds. notes, and debentures

Corporatr stocks (including stock of

Federal Reserve Bank) .

..

Loans and discounts (including over-

drafts)

Bank prcmisC's owned, furniture and

fixtures

..

. ..

Rral estate owned other than bank

premises . . . . .

. ....

Investments and other assets indi-

rectly r('presenting bank premisC"s

or other real estate

.

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

407,940.05 674,313.85
72,179.41 1,000.00 None
696,604.14 9,645.10 None
None None None 1,861,682.60

LIABILITIES

Demand deposits

Time deposits .

.

Deposits of U. S. Govcn~~ent

Deposits of Statt>s and poltttcal ~uh-

divisions

Deposits of bank!i . .

.,

Other dt>posits (certified and officers

checks, etc.)

llilh payable Acceptances {"Xecutcd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

763,507.47 532,681.94
25,056.43
299,995.83 None
60.89 None
None 5,075.95 50,000.00 100,000.00 75,304.09 10,000.00

Total Liabilities

$ 1,861,682.60

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF HARTWELL HartweU, Ga.
As called for by the Superintendent of Banks

J. H. WRIGHT, President.
Date of Charter: 5-15-1961

SIMS HILL, Cashier.
Began Business: 11-9-1961

ASSET~
Cash, balances with other banks, includin.!? rrsC'rve balances, and cash itt'ms m process of collection . $
Unitt'd States Government obligations. direct and guaranteed
O~~bdf~i~~n~f State~. a~~..pol.i~ical
Other bonds. notes, and debentures Corporatf' ~tocks (including stock of
Federal Rt'serve Bank) Loans and discounts (including over-
drafts)
Bank premises owned, furniture and fixtures
Real estate owned other than bank prcmises
Investments and other assets indirectly representing bank premist's or other real estate
Customrrs' liability to this bank nn acceptances outstanding
Other Assets
Total Assets

347,518.63 943,024.41
None 150,000.00
None 825,588.10
73,129.94 None
None None 2,161.56 2,341.422.64

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officr-n.'
checks, etc.)
Bills payable Accr-ptances executed hy or for ac-
count of this bank and outstanding Othrr liabilities
Capital Surplus Undivided profits Res!'rves

741,886.38 578,510.96
45,123.69
670.602.78 None
14,259.57 None
None 22.072.17 150,000.00 82,500.00 36,467.09
None

Total Liabilitif's

2,341,422.64

~--F'ORTY-FOURTH ANNUAL REPORT=------

77

STATEMENT Showing condition at the close of business December 31, 1963, of

CITIZENS BANKING COMPANY Hartwell, Ga.

As called for by the Superintendent of Banks

E. C. GRIFFETH, President.
Date of Charter: 11-28-1942

J. E. WEAVER, Cashier.
Began Business: 1-2-1943

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over~

drafts)

Bank premises owned, furniture and

fixtures

...

...

Real estate owned other than bank

premises . . . . . . . . . . . . Investments and other assets indi~

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

948,012.53 1,909,325.80
514,311.15 355,836.68
None 2,332,197.10
1.00 1.0 0 None
None None 6,059,685.26

L lABILITIES

Demand drposits

Time deposits

.

Deposits of U. S. Governmf'nt

Deposits of Statrs and political :;;ub-

divisions

Dt'posits of banks .

.

Other deposits (certified and officer~'

checks, etc.)

Bills payable

Acceptances exccutt'd hy or for ac-

count of this hank and outstand-

ing .

Other liabilities

Capital

Surplus

Undivided profits

Reserves

2,618,182.15 1,949,225.85
144,965.55
782,324.45 None
13,222.79 None
None None 100,000.00 100,000.00 100,000.00 251,764.47

Total Liabilities

6,059,685.26

STATEMENT Showing condition at the close of business December 31, 1963~ of
PLANTERS BANK Hawkinsville, Ga.

As called for by the Superintendent of Banks

W. N. PATE, President.
Date of Charter: 2-27-1896

OTIS R. MAYO, Cashier.
Began Business: 3-1896



ASSETS

Cash, balances with other banks, in~

eluding reserve balances, and cash

items in process of collection . $

United States Government obliga~

tions, direct and guaranteed . . Obli~ations of Stat~s and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over~

drafts)

.

.

Bank premises owned, furniture and

fixtures

.. . .. .. . .

Real estate owned other than bank

premises

..... ... ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

421,036.98 843,995.43 428,026.29
None None 1,658,520.29 6,925.73 None
60,000.00 None
675.16 3,419,179.88

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . . . .

Other deposits (certified and officers'

checks, etc.)

for Bills payable

Acceptances executed by .o;

ac-

count of this bank and outstand-

ing

.

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,949,170.84 820,584.13 8,058.31
229,683.51 None
5,271.03 None
None 20,000.00 100,000.00 100,000.00 25,000.00 161,412.06

Total Liabilities

3,419,179.88

78

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

THE PULASKI BANKING COMPANY

Hawkinsville, Ga.

As called for by the Superintendent of Banks

R. D. BUCHAN, President.
Date of Charter: 7-20-194il

W. D. GRIFFIN, JR., Cashier.
Began Business: 8-27-1949

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions) direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premisrs owned, furniture and

fixtures

. . . ..

Real estate owned other than bank

premises

Investments and other assets indi-

rectly representing bank premises

or other real estate . . .

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

367,838.41 365,000.00
None None None 1,510,598.36 79,459.82 None
None None None 2,322.896.59

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

..

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,012,531.06 994,284.60 None
103.584.35 None
2,069.0 None
None 1,952.41 100,000.00 50,000.00 58,47 4.27
None

Total Liabilities

$ 2,322,896.59

STATEMENT
Showing condition at the close of business JWmber 31, 1963, of
"~
BANK OF HAZLEHURST '
Hazlehurst, Ga.

As called for by the Superintendent of Banks

CHARLES ROGERS, President.
Date of Charter: 10-19-1906

MRS. MARY WALKER, Cashier.
Began Business: 10-1906

ASSETS

Cash balances with other banks, in-

clu'ding reserve balances, a!ld cash

items in process of collectwn .

United States Government obliga-

tions, direct and guaranteed . .-

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including :;;tack of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..



Bank premises owned, furniture and

R:!1t~~::te owned other th~n .bank

premises

..

.

Investments and other assets indi-

rectly rcpresenting bank premises

or other real e~tatc

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

485,835.79 1,031,506.18
18,000.00 None None
934,183.40 2.00
None
None None 16,378.49 2,485.905.86

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Dt>posits of banks Other deposits (certified and officf'rs'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabili tie~ Capital Surplus Undivided profits ReservC"s

1,750,868.61 167,359.32 None
185,855.42 None
24,607.60 None
None 24,827.65 100,000.00 100,000.00 117,387.26 15,000.00

Total Liabilities

$ 2,485,905.86

FORTY-FOURTH ANNUAL REPORT

79

STATEMENT Showing condition at the close of business December 31, 1963, of

JEFF DAVIS BANK Hazlehurst, Ga.

As called for by the Superintendent of Banks

J. 0. WOOTEN,
President. Date of Charter: 7-12-1962

H. C. McLEOD, Cashier.
Began Business: 12-1-1962

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection .

United States Government obliga

tions, direct and guaranteed

Obligations of States and political

subdivisions

. .. .. ..

Other bonds, notes, and debentures

Corporatf" stocks (including stock of

Federal Reserve Bank)

'Loans and discounts (including over-

drafts)

.

.

.

Ban~ premises owned, furniture and

fixtures

.... ... . .

Real estate owned otht'r than bank

premises

.. ..

. ...

Investments and other assets indi-

rectly representing bank premisPs

or other real estate Customers' liability to

this

-b~nk

on

acceptances outstanding

Other Assets

Total Assets

394,560.57 645,987.79
None None None 741,784.21 21,177.34 None
None None 1,864.52 1,805,37 4.43

LIABILITIES
Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and offic<"rs'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits Reserves

908,685.11 414,325.38
89,530.38
162,722.00 None
3,688.22 None
None 25,495.44 100,000.00 7 5,000.00 19,166.15
6, 7 61.7 5

Total Liabilities

1,805,374.43

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF HIAWASSEE Hiawassee, Ga.
As called for by the Superintendent of Banks

H. D. PARIS, President.
Date of Charter: 6-14-1909

ELOIS D. ANDERSON, Cashier.
Began Business: 7-21-1909

ASSETS

Cash, balances with other banks. in-

c,luding reserve balances, a!'ld ca<;h

items in process of collectiOn . $

United Statrs Government obliga-

tions, direct and guaranteed .. Obli~ations of States and poht1cal

5ubdivisions

Other bonds, notC's, and debenturC's

Corporate stocks (including stock of

Federal Reserve Bank)

Loons and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.

..

Rral estate owned other than bank

premises

.

.

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

585,598.78 713,967.11 105,554.78 199,625.00
None s7s,2n.4o
6,225.0:> None
None None None 2,489,263.12

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governmrnt

Deposits of States and political f;uh-

divisions

Deposits of hank~ .

..

Other deposits {certified and officers'

checks, etc.)

Bill< payable

Acceptances e-xecuted by or for ac-

count of this hank and outstand-

ing

.

Other liabilitirs

Capital

Surplus

Undivided profit<

Reserves

1,079,245.% 917,074.06 6,392.51
242,184.00 None
8,167.57 None
None 17.557.14 50,000.00 50,000.00 118,641.Rx
None

Total Liabilities

2,489,263.12 -----

80

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE HINESVILLE BANK Hinesville, Ga.

As called for by the Superintendent of Ranks

D. F. MARTIN, JR.,

JAS. M. FLOYD,

President.

Cashier.

Date of Charter: 9-4-1911

Began Business: 11-15-1911

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items m process of collection . $

United States Government obliga-

tions, direct and guaranteed . . Obli.~ations of States and political

subdivisions . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

. . . . . . ..

Bank premises owned, furniture and

fixtures .............

Real estate owned other than bank

premises . . . . . . . .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

587,910.66 601,093.75 277,878.71 398,718.75
None 1,402,969.70
21,002.76 None
None None 5,829.91 3,295,404.24

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government DeJi~i!f~n~ ~~ate_s and polit~c~l sub
Deposi Is of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding . . . .. Other liabilitieo Capital Surplus . Undivided profits Reserves

1,526,333.91 613,508.41 181.599.64
656,269.99 None
13,551.10 None
None None 60,000.00 150,000.00 63,431.38 30,709.81

Total Liabilities

3,295,404.24

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS BANK HogansviUe, Ga.

As called for by the Superintendent of Banks

JOHN R. HINES, President.
Date of Charter: 11-30-1961

W. P. ARNOLD, Cashier.
Began Business: 12-11-1961

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed . Obli~a~i'?'!s of States and political

subdiVIsiOns . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank) . . . .

Loans and discounts (including over-

drafts)

.

.

....

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

. . ... . . . ... .

Investments and oth('r assets indi-

rectly representing bank premises

or other real estate

Cm;tomcrs' liability to this 'bank .on

accrptanccs outstanding

Other Assets

Total Assets

465,324.74 418,906.66
13,428.07 None None
618,679.23 34,295.82 784.63
None None 922.41 1,552,341.56

LIABILITIES
Demand deposits
Time deposits Deposits of U. S. Governmrnt Deposits of States and political sub-
divisions Deposits of banks . . . . Other deposits (crrtified and officrn'
(':hrcks, etc.) Bills payable . Acceptances rxrcutrd by or for ac-
count of this bank and outstand-
ing Other liabili tieo
Capital Surplus Undivided Rf'scrves

879,953.71 124,633.18
29,348.43
301,582.16 None
4,221.92 None
None 42,027.26 120,000.00 42,000.00
8,57 4.90 None

Total Liabilities

1,552,341.56

FORTY-FOURTH ANNUAL REPORT

81

STATEMENT Showing condition at the close of business December 31, 1963, of

EMPIRE BANKING COMPANY Homerville, Ga.

As called for by the Superintendent of Banks

J. L. SUMMERLIN, President.
Date of Charter: 3-1-1945

CHAS. T. LODER, Cashier.
Began Business: 6-1-194c

ASSETS

Cash, balances with other banks, in-

cludin reserve balanC("!ii, and cash

items In process of collection . .

United States Government obliga-

tions. direct and guaranteed

Oblie;ations of Stat('s and political

subdivisions

. . . . ....

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

.. . .

.

Bank prc:'mises owned, furniture and

fixtures

....... .. .

Real estate owned other than bank

premises

... ..

. .....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

802,800.76 950,914.08
30,815.80 None None
687,596.03 17,591.45 None
None None 370.00 2,490,088.12

LIABILITIES

Demand deposits

$

Time deposits

.

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposi Is of banks . . . .

Other deposits (certified and officrrs'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing ..

Other liabilities

Capital

Surplus

Undivided profits

Resrrvrs

1,050,983.78 860,735.53 40,875.43
337,490.29 None
7,765.87 None
None None 50,000.00 50,000.00 57,237.22 35,000.00

Total Liabilities

2,490,088.12

~~~~~~~~~-

STATEMENT Showing condition at the close of business December 31, 1963, of

WILKINSON COUNTY BANK Irwinton, Georgia

As called for by the Superintendent of Banks

H. E. STEPHENS, President.
Date of Charter: 7-16-1907

ROBT. C. McGINTY, Cashier.
Began Business: 7-16-1907

ASSETS

Cash, balancrs with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

Obltiio~ants'iodnisrecotf

and guaran tet.'d States and political

subdivisions

. .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Lo...'lns and discounts (including over-

drafts)

Bank prrmisrs owned, furniture and

fixtures

.. .. . . .

Real estate owned other than bank

premises . . . . . .

. ....

Investments and otht'r assets indi-

rectly reprt'senting bank premisrs

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total As.;;cts

412,478.23 503,321.26
55,095.44 178,893.75
None 617,263.6G
20,928.12 None
None None None 1,787,980.46

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government De~o~i~s of States and political sub-

divisiOns

Deposits of banks .

. ...

Other deposits (ccrtifird and officers'

checks, etc.)

Bills payable

Acceptances C'xecut>d by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

780,552.6.3 574,841.80
20,469.12
245,385.69 None
4,634.13 None
None 12,457.21 50,000.00 75,000.00 24,639.88
None

Total Liabilities

1,787,980.46

82

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

JASPER BANKING COMPANY Jasper, Ga.

As called for by the Superintendent of llanks

MARK H. MOORE,

JAY L. HARRISON,

President.

Cashier.

Date of Charter: 1-17-1945

Began Business: 3-12-1945

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itt>ms in process of collection

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including fitock of

Fetleral Reserve Bank) . . . .

Loans and discounts (including over-

drafts)

... .

. ..

Bank premises owned, furniture and

fixtures . . . . . ..... ...

Real estate owned other than bank

premises

. . . . . ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this b;nk .Hn

acceptances outstanding

Other Assets

Total As!'cts

728,319.63 1,213,346.84
None 399,187.50
None 1,383,727.76
26,951.09 14,500.00
None None 3,616.48 3,769,649.30

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-.

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Rrserves

1,630,370.76 1,421,330.52
106,652.40
266,023.18 9,110.00
None None
None 8,440.31 100,000.00 50,000.00 152,722.13 25,000.00

Total Liabiliti('s

$ 3,769,649.30

STATEMENT
Showing condition at the close of business December 31, 1963, of WAYNE STATE BANK Jesup, Ga.

As called for by the Superintendent of Banks

R. W. WOODRUFF, President.
Date of Charter: 8-5-1953

BERT HIRES, Cashier.
Began Business: 1-2-191l4

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed

Obli<:ations of States and political

subdivisions

. . ....

Otht>r bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)



Bank premises owned, furniture and

R:!it~~~;tc o~;n~d other .tha~ bank

premises . . . . . . . ..... .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

$

565,509.83 454,388.02
42,427.70 235,484.38
None 1,253,814.85
9,290.66 None
4,601.00 None
9,914.7 4 2,575,431.18

LIABILITIES

Demand deposits

$

Time deposits .

. .. .

Deposits of U. S. Government

Deposits of States and political sub-

divisions . .

Deposits of hanks .

.. .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances execu trd by or for ac-

count of this bank and outstand-

ing ..

Other liabilities

Capital

Surplus

Undivided

Reserves

1,172,220.08 904,333.97 47.253.72
146,701.91 None
28,258.68 None
None 7,023.14 200,000.00 40,000.00 29,639.68
None

Total Liabilities

$ 2,575,431.18

FORTY-FOURTH ANNUAL REPORT

83

~--------------~------------~~

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF JONESBORO Jonesboro, Ga.

As called for by the Superintendent of Banks

C. S. CONKLIN, President.
Date of Charter: 10-6-1903

JAMES W. WATTERSON, Cashier.
Began Business: 11-7-1903

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions . . . . . . .

.

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . .

Loans and discounts (including over-

drafts)

..

.

.

Bank premises owned, furniture and

fixtures . . . . . ...

Real estate owned other than bank

premises ................ .

Investments and other assets indi-

rectly representing bank premises

or other real estate Gustomers' liability to

. this

b~nk .on

acceptances outstanding

Other Assets . . .

Total Assets

686,966.40 2,298,613.70
220,097.9>\ 50,117.60 None
2,175,357.96 50,417.96 None
75,000.00
I 3,47N7o.9n4e
5,560,049.54

LIABILITIES

Demand deposits

Time deposits . .

. ..

Deposits of U. S. Government

Ddi~i!f~n~f S~ate_s and poli_t~cal sub-

Deposits of banks .

..

Other deposits (certified and officers'

checks, etc.)

. ..

Bills payable

.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

Total Liabilities.

2,323,108.41 1,080,755.23
194,692.85
1,560,730.35 None
19,697.73 None
Non 53,546.15 200,000.00 100,000.0C 27,518.82
None
5,560,049.54

STATEMENT

Showing condition at the close of business December 31, 1963, of

STATE BANK OF KINGSLAND Kingsland, Ga.

As called for by the Superintendent of Banks

EDMUND GROSS, President.
Date of Charter: 11-26-1912

C. C. SMITH, Cashier.
Began Business: 12-1912

ASSETS

Cash, balances with other banks) includin~ reserve balances, and cash

items 1n process of collection . $

United States Government obliga-

tions, direct and guaranteed .. Obliga!i?~S of States and political

subdiVISJODS . . .

.... . ..

Other bonds, notes, and debentures

Corporate stocks (including stotk of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.. . .

Bank premises owned, furniture and

fixtures ................... .

Real estate owned other than bank

premises . . . . . ...

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets

Total Assets

$

414,401.91 793,475.00
None 'None None 1,100,681.93 29,582.90 None
None None None 2,338,141.74

LIABILITIES

Demand deposits

$

Time deposits .

Deposits of U. S. Government Def!O~i~s of States and political suh-

divtstons . .

.

Deposits of banks . .

.

Other deposits (certified and officrn.'

checks, {"tc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing .

Other liabilities

Capital

Surplus

Undivided

Reserves

662,769.30

1.149,729.58

-

None

271.300.01) None

2,459.49 None

None Noll-e
50,000.00 100,000.00
50,000.00 51.883.37

Total Liabilities

$ 2.338.141.74

84

DEPARTMENT OF BANKING

--------------------------

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE BANK OF LAFAYETTE, GEORGIA LaFayette, Ga.

As called for by the Superintendent of Banks

B. D. GILBERT, President.
Date of Charter: 11-13-1889

W. L. BAKER, Cashier.
Began Business: 1899

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection . $

United States Government obliga-

tions. direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

premises

. . . . . . ....

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets

Total Assets

1,612,782.17 1,800,098.13
678,969.91 50,000.00 None
2,313,019.67 111,847.23 1.00
None None 574.15 6,567,292.26

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub

divisions

Deposits of banks .

..

Other deposits (certified and offict>rs'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

2,835,694.1<> 1,903,112.39
181,805.78
929,263.55 None
14,830.26 None
None 102,705.46 150,000.00 300,000.00 149,880.67
None

Total Liabilities

6.567,292.26

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE CITIZENS AND SOUTHERN BANK OF LAGRANGE LaGrange, Ga.
As called for by the Superintendent of Banks

R. WOODROW SMITH, President.
Date of Charter: 7-23-1937

V. HAWLEY SMITH, Cashier.
Began Business: 8-2-1937

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .. $

United States Government obliga-

tions, direct and guaranteed . ,. Obli.~ations of States and pohllcal

subdivisions . . . . . . . . . ....

Other bonds, notes, and debf'ntures

Corporate stocks (including stock of

Fecleral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prC'mises owned, furniture and

fixtun.>s . . . . . . . . . .

Real estate owned other than bank

premises

..

...

Investments and other assets indi-

rectly representing bank prC'mises

or other real estate

Customers' liability to this bank on

acceptances outstanding

OthC'r Assets

1,965,543.06 4,042,977.52
2,047,50~.21
None 3,900.00 8,841,947.55 161,646.83
None
None None 165,117.57

Total Assets

$ 17,228,640.74

LIABILITIES

Demand deposits

$

Time deposits

Deposits of lJ. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (certified and offiCfrs'

chrcks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Rrsenes

6,848,462.70 5,981,044.32
500,105.84
1,146,845.02 38,000.00
8,933.14 None
None 1,353,711.66
500,000.00 500,000.00
20,532.45 331,005.61

Total Liabilities

$17,228,640.74

FORTY-FOURTH ANNUAL REPORT

85

--------------------~

STATEMENT

Showing condition at the close of business December 31, 1963, of

LAGRANGE BANKING COMPANY LaGrange, Ga.

As called for by the Superintendent of Banks

A. E. MALLORY, JR. President.
Date of Charter: 7-8-1941

PAUL L. GRAY, Cashier.
Began Business: 9-15-1941

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed Obli~a~i?~s of States and political

subdiVIsiOns

.... .. .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

.

Bank premist's owned, furniture and

R:~~t~:::te owned other .tha~ .ba~k

premises

.......... .

Investments and other assets indi-

rectly representing bank premises

or other real estate . . .

Customers' liability to this bank on

acceptances outstanding

Other Assets

870,732.91 814,293.26 482,281.97
16,126.68 None
2,438,732.95 81,055.94 None
None None None

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

De~o~i~s of States and political 8uh-

divJsiOns

Deposits of banks

.. .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances {'Xecu ted by or for ac-

count of this bank and outstand-

ing

Otht>r liabilities

Capital

Surplus

Undivided profits

Reserves

2,288,471.36 1,086,294.45
15,785.82
474,232.91 76,712.79
6.00 None
None 167,738.43 100,000.00 200,000.00 204,233.17
89,748.78

Total Assets

$ 4, 703,223.71

Total Liabilities

$ 4,703,223.71

STATEMENT

Showing condition at the close of business December 31, 1963, of

FARMERS AND MERCHANTS BANK Lakeland, Ga.

As called for by the Superintendent of Banks

W.C.BANKS, President.
Date of Charter: 4-18-1907

G. M. BANKS, Cashier.
Began Business: 1907

ASSETS

Cash, balances with other banks, in-

cludin$' reserve balances, and cash

items m process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

.. .... ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

... .

Bank prf'mises owned, furniture and

fixtun:s ...... .

Real estate owned other than bank

premises

. . . . . . . . ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding .

Other Assets.

Total Assets

619,501.87 947,075.09
None 222,187.50
None 386,630.19
11,893.55 None
None None None 2,187,288.20

LIABILITIES

Demand deposits

$

Time .deposits . . ..

Deposits of U. S. Government

De~o~i~s of States and political sub-

divisions . . . . . . . .

Depo~its of banks

...

Other deposits (certified and officen'

checks, etc.)

Bills payable

Acceptances rxecu trd by or for ac-

count of this hank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

1,170,972.98 635,310.38 5,641.03
152,858.15 21,796.53
8,265.36 None
None 17,196.20 25,000.00 75,000.00 25,247.57 50,000.00

Total Liabilities

$ 2,187,288.20

86 ----------------------D--E- PARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

NORTHEAST GEORGIA BANK Lavonia, Ga.

As called for by the Superintendent of Banks

W. N. HARRISON,

W. N. HARRISON

President. Date of Charter: 9-20-1940

Cashier. Began Business: 9-23-1940

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed .

Obli'{ations of States and political

subdivisions

.. .... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.

.

. . ..

Real estate owned other than bank

premises

. . . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets. .

..

Total Assets

684,454.25 1,496,380.12
None None None 936,486.26 20,323.95 None
None None None 3,137,644.58

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . .

.

Other deposits (certified and officers'

checks, etc.) Bills payable Acceptances executed by or for ac~

count of this bank and outstand-

ing Other liabilities
Capital

Surplus Undivided profits

Rf'SCTVCS

1,829,884.49 821,339.49 70,856.09
191,325.05 None
3,891.60 None
None 61.16 100,000.00 100,000.00 19,269.34 1,017.36

Total Liabilities

$ 3,137,644.58

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE BRAND BANKING COMPANY Lawrenceville, Ga.

As called for by the Superintendent of Banks

MRS. LOUISE B. MORGAN, President.
Date of Charter: 6-2-1905

HARRISON W. BRASELTON, Cashier.
Began Business: 7-17-1905

ASSETS

Cash 1 balances with other banks, including rest>rvc balances 1 a!ld cash

itt>ms in process of collection . $

United Statt'S Government obhga-

tions1 direct and guaranteed .. Obli~ations of Statt's and poht1cal

subdivisions

Other bonds. notes, and debentures

CorporatC' stocks (including stock of

Federal Reserve Bank)

Loon-. and discounts (including over-

drafts)

Bank prrmisrs owned, furniture and

R:!it~;:;te ow~~d other than bank

premises

.. . ..

. ....

Investments and othrr assets indi-

rectly representing bank premises

or other rC'al estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

632,286.29 1.427,105.20
898,191.61 None
6,000.00 2,668,402.60
26,537.36 None
None None None 5,658,523.06

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Dt>posits of banks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Otht'r liabilities

Capital

Surplus

Undivided profits

Reserves

1,755,602.86 2,457,207.09
39,714.92
820,644.15 None
11,990.48 None
None 9,829.95 100,000.00 100,000.00 363,533.61
None

Total Liabilities

$ 5,658,523.06

------------'F=-OR'!'l'"-F()URTH ANNUAL Rj!_;POR_T~- _______ --~R_7

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE STATE BANK OF LEESBURG Leesburg, Ga.

As called for by the Superintendent of Banks

T. R. CANNON,

T. R. CANNON,

President.

Cashier.

Date of Charter: 4-9-1947

Began Business: 12-1-1947

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

.. .

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Lo..'lns and discounts (including overdrafts)

Bank pnmises owned, furniture and

fixtures

.

.

Real estate owned othr-r than bank

premises

.

...

Investments and other assets indi-

rectly npresenting bank prt"mises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

173,163.29 589,985.56
None 25,093.75
None 500,029.58
9,359.14 None
None None None 1,297,631.32

LIABILITIES Demand deposits Time deposits D<'posits of U. S. Gnvt.'rnnwnt Deposits of StatC's and political sub-
divisions Deposits of hank-. Other deposits (certified and oficen.'
checks, etc.) Bills payable Acceptances executd hy or for ac-
count of this bank and outstanding Other liabili tics Capital Surplus Undivided profits Reserves
Total Liabilities

478,057.49 193,491.64
6,000.00
445,133.12 20,000.00
None None
None 4,364.88 25,000.00 50,000.00 75,584.19
None

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF LENOX Lenox, Ga.

As called for by the Superintendent of Banks

R. H. ROBINSON,

R. H. ROBINSON, JR.,

President.

Cashier.

Date of Charter: 6-20-1907

Began Business: 6-25-1907

ASSETS

Cash, balancrs with other banks, in-

cluding reserve balances, and cash

itt.'ms in procrss of collection

United States Government obliga-

tions. direct and guaranteed

Obligation" of States and political

:mbdivisions

Other bonds, notes, and debrnturcs

Corporate stocks (including stock of

FcJeral Reserve Bank)

Loans and discounts (including over-

drafts)

.

Bank premises owned, furniturC' and

fixtures

.. .. .. .

Real estate owned other than bank

premises

.

.

Investments and other assf'ts indi-

rectly rC'presenting bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

466,742.93 906,603.75 238,379.77
None None 709,621.45 65,833.64 None
None None None 2,387,181.54

LIABILITIES Demand deposits Time deposits Deposits of V. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable AccC'ptanct"'s executed by or for ac-
count of this bank and outstand-
ing Oth~:"r liabilities Capital Surplus Undivided profits
R('S('TV('S

1,000,750.29 728,211.77 113,328.32
129,271.64 30,996.51
3,593.89 None
None 10,694.71 100,000.00 200,000.00 35,801.31 34,533.10

Total Liabilities

88

DEPARTMENT OF BANKING

----------------------------------------~--------------------

STATEMENT

Showing condition at the close of business December 31, 1963, of

FARMERS & MERCHANTS BANK Lealie. Ga.

As called for by the Superintendent of Banks

W. T. ANDERSON, JR., President.
Date of Charter: 12-19-1940

ROBT. P. HINES, Cashier.
Began Business: 1-2-1941

ASSETS

Cash, balances with other banks, in

cludin~ reserve balances, and cash

items tn process of collection .

United States Government obliga-

tions, direct and guaranteed ..

Obli~ations of States and political

subdivisions . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures . . . . . . . . .

Real estate owned other than bank

premises

... ..

. ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

172,301.06 473,423.17
4,000.00 175,000.00
None 377,361.58
13,636.66 None
None None 721.00 1,216,443.47

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Govrrnmcnt Deposits of States and political ~uh-

divisions

Depo~its of banks

Other deposits (certifit'd and officers'

checks. etc.)

Bills payable Acceptances executed

by

o~ f~r a<'-

count of this bank and outstand-

ing

Other liabilitirs

Capital

Surplus

Undivided profit<

Rrservrs

666,157.16 374,906.58
9,891.02
63,534.7 4 None
None None
None 2,269.30 25,000.00 60,000.00 14,684.67
None

Total Liabilitirs

1,216,443.47

STATEMENT

Showing condition at the close of business December 31, 1963, of

CITIZENS BANKING COMPANY Lexin~on, Ga.

As called for by the Superintendent of Banks

W. E. EVANS, President.
Date of Charter: 2-7-1949

W. E. EVANS, Cashier.
Began Business: 3-10-1949

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions . . . . . . . . ....

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..

..

.

Bank premises owned, furniture and

fixtures ................. .

Real estate owned othrr than bank

premises

.. .. . .. . .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

223,552.99 293,726.73
72,248.76 144,937.50
None 519,836.65
12,263.62 None
None None 529.04 1,267,095.29

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Govcrnnif'nt

De~o~i~s of State.s and political snb-

divtswns ..

Deposits of banks

.

Other deposits (certified and officr-rs'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Rt:'serves

438,720.91 501,976.97
8,519.97
221,616.28 None
3,364.96 None
None
None 50,000.00 30,000.00 12,896.20
None

Total Liabilities

$ 1,267,095.29

FORTY-FOURTH ANNUAL REPORT

89

STATEMENT Showing condition at the close of business December 31, 1963, of

FARMERS STATE BANK Lincolnton, Ga.

As called for by the Superintendent of Banks

W. B. ALBEA,

GEO. C. LEVERE'IT, JR.,

President.

Cashier.

Date of Charter: 9-26-1911

Began Business: 12-2-1911

ASSETS

Cash, halanccs with other banks, in-

cludin~ n"serve balances, and cash

items m process of collection .

Unitt>d States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prf"miscs owned, furniture and

fixtures

Real estate owned other than bank

premises

. . . . . . ..

lnvt"stments and other assets indi-

rectly representing bank premisPs

or other real cstatc

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets.

770,995.09 1,020,015.34
203,267.49 45,000.00 None
1,0i9,147.20 2.00
None
None None None 3,058,427.12

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Depoits of banks

Other deposits (certified and officers'

checks. etc.)

..

Bills payable

Acceptances exl.'cuted by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,078,036.81 1,264,689.96
14,477.66
404,673.11 None
1,430.00 None
None 1,842. 7 5 50,000.00 100.000.00 92,546.72 50,730.11

Total Liabilities

~.058.427.12

ST.\TI::\1 E~T

Showing condition at the close of business December 31, 1963, of

THE PEOPLES BANK Lithonia, Ga.

.\~ eall!'d for hy t ht StilH'rinltIHitnt of Hank~

G. OGDEN PEHSONS, II, President.
Date of Charter: 8-26-1910

W. L. \YILLIAMSON, Cashier.
Began Business: 1910

ASSETS

Ca!\h, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock nf

Fetleral Reserve Bank)

Loans and discounts (including over-

drafts)

..

. ..

Bank premisrs owned, furniture and

fixtures . . . . . . . . .

Real estate owned othrr than bank

premises

. ..

Investmrnts and other as\cts indi-

rectly rcpresrnting: bank prt'miscs

nr other real rstatc

Customers' liability to this bank m

acceptances outstanding

Other Assrts

Total Assrt"

388,250.73 914,780.27
10,000.00 124,868.75
None 1,110,652.07
15,699.61
13,5SfL~O

LIABILITIES
Demand drposits Time deposits Dc-posits of U. S. Govrrnmf'nt Deposits of States and political ~u.h~
divisions Deposits of banks Other deposits (crrtifird and officrrs'
checks, etc.) Bills payable Acceptancc-s executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits Rf'srrvrs

1,462.729.~2
477.887.92 76,429.42
331,775.82 None
590.15 None
None 46,976.1!; 100,000.00 50,000.00 11.451.94 20,000.00

None

None Non('

2,577 ,R40.73

Total Liabilities

2,577 ,840.7:l

~~~~~~~~~~~~~~-~------~----

90

DEPARTMENT OF BANKING

STATEMENT Shmying condition at the close of business December 31, 1963, of

THE FARMERS BANK Locust Grove, Ga.

As called for by the Superintendent of Banks

M. M. BROWN,

JULIAN A. BROWN,

President.

Cashier.

Date of Charter: 1-3-1910

Began Business: 1-1910

.

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itt'ms in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

:mbdivisions

. .... .. ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJeral Reserve Bank)

Loans and discounts (including over-

drafts)

.

.. ..

Bank premises owned, furniture and

fixtures . . ............ .

Real estate owned other than bank

premises

.. .. .

..

Investments and other assets indi-

rectly representing bank premises

or other real estate Cu~tomers' liability to this bank on

acccptances outstanding

Other Assets

Total As.,cts

163,487.47 153,000.00
None 19,837 .GO
None 306,284.7 I
7,998.9:; Non('
None None None 650,608.66

LIABILITIES Demand deposits Time deposits
Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks
Other deposits {certified and officf'rs' checks, etc.)
Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities
Capital Surplus Undivided Rrsen:es

419,877.92 87,200.20 1,520.75
47,277.45 None
5,627.20 None
None 8,658.62 30,000.00 30,000.00 20,446.52
None

Total Liabilities

650,608.66

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF LOGANVILLE Loganville, Ga.

As called for by the Superintendent of Banks

C. A. KELLEY, JR.,

J. FRANK LEE,

President. Date of Charter: 5-6-1946

Cashier. Began Business: 10-5-1946

ASSETS

Cash, balancf's with other banks, in-

cluding reserve balances, and cash ,

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

.. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ovt'r-

drafts)

..

.

.

Bank premises owned, furniture and

fixtures ....

. ...

Real estate owned otht'r than bank

premises . . . . . .

. ....

Investments and other assets indi-

rectly representing bank premises

or other real estate .

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

1U7,Hf.il.f)O 179,1Gl.Gn
None 139,726.47
None 594,869.57
11,936.2(; None
None None 2,107.36 1,125,753.22

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political ~uh-

divisions

Deposits of hanks

.

Other deposits (certified and officf'rs'

checks, t'tc.)

Bills payable

Acceptances t'xecutf'd by or for ac-

count of this bank and outstand-

ing

Other liabili tics

Capital

Surplus

Undivided profits

Reserves

489,267.94 420,214.76
45,701.18
47,408.09 10,000.00
4,099.53 None
None 1,500.00 25,000.00 50,000.00 21,065.10 11,496.62

Total Liabiliti('s

1,125,753.22

FORTY-FOURTH ANNUAL REPORT

91

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF LUMBER CITY Lumber City, Ga.

As called for by the Superintendent of Banks

W. C. WILLIAMS, President.
Date of Charter: 5-22-1945

W. C. WILLIAMS, Cashier.
Began Business: 7-2-1945

ASSETS

Cash, balances with other banks, in~

cl uding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of Statt>s and political

subdivisions

Other bonds. notes, and dcbenturf's

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

..

. ..

Real estate owned other than bank

premises . . . . . . ..... .

Investments and other assets indi-

rectly representing bank premisPs

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

94,339.14 274.738.10
None None None 333,860.5;, 1,247.09 None
None None 157.50 704,34:l.2S

LIABILITIES

DPmand clrposits

$

Time deposits

Deposits of U. S. Govrrnmcnt Deposits of Statrs and political ,.ub~

divisions

Deposits of hanks

Other deposits (crrtifird and officers'

checks. etc.)

Bills payable

Acceptances rxecutrd hy or for ac-

count of this bank and outstand~
oN::r liabi.lities

Capital

Surplus

Undivided profits

Rrscrvcs

351,667.74 140.639.37
8,021.57
94,653.40 None
1,555.95 None
None 7,050.51 25.000.00 50,000.00 25,754.74
None

Total Liabilities

704,343.28

STATEMENT Showing condition at the close of business December 31, 1963, of

.t'ARMERS STATE BANK Lumpkin, Ga.

As called for by the Superintendent of Banks

WM. P. CARTER, President.
Date of Charter: 10-21-1911

BESSIE D. FORT, Cashier.
Began Business: 12-1911

ASSETS

Cash, balances with otht'r banks, in-

cluding reserve balances, a!ld cash

it('ms in process of collectiOn .

Unitrd States Government ohltga-

tions. direct and g-uaranteed Obli~ations of StatPs and political

subdivisions

Other bonds, notes. and debentures

CorporatP stock.;; {including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtUr('S



Real estate owned other than bank

prcmisC"s

Investments and other assets indirectly rcpre~enting bank prcmisPs

or other rt'al rstate

Customers' liability to this bank on

acceptances outstandin,l{

Other Assets

Total Assets

374.131.71 727,643.39
81,691.61 None None
494,383.11 11.863.67 None
None None None 1,689,713.49

LIABILITIES Demand dt'posits
Time deposits Deposits of U. S. Govrrnmcnt Deposits of States and political sub-
divisions Deposits of hanks .
Other deposits (certified and orficer" checks, etc.)
Bills payahle Acceptances executed by or for ac
count of this bank and outstanding Other liabilitie.c;
Capital Surplus Undi\idcd profib
Rcscr\"ec;

918,527.77 416,264.43
8.944.46
172,373.30 None
G,904.00 None
None 38,387.72 50,000.00 50,000.00 28,311.81
None

Total Liabilitic<>

1,689,713.49

92

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

LUTHERSVILLE BANKING COMPANY Luthersville, Ga.

As called for by the Superintendent of Banks

JIMMY D. NeSMITH,

RAYMOND C. BRADDY,

President. Date of Charter: 10-11-1905

Cashier. Began Business: 8-3-1906

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items 1n process of collection .

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions . . . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

...

. . .

Bank premises owned, furniture and

fixtures . . ........... .

Real estate owned other than bank

premises . . . . . . . . . ..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

accC"ptances outstanding

Othcr Assets

Total Assets

357,766.68 329,585.53
22,126.47 None
1,000.00 445,081.82
14,716.81 None
None None None 1,170,277.31

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

.

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing . . .

Other liabilities

Capital

Surplus

Undivided

Reservt>s

475,952.96 437.106.15
15,010.47
115,026.22 35,000.00
8,989.80 None
None 1,291.71 25,000.00 45,000.00 11.900.00
None

Total Liabilitie~ -----

1.170,277.31

STATEMENT Showing condition at the close of business December 31, 1963, of

THE PEOPLES BANK OF LYONS, GEORGIA Lyons, Ga.
As called for by the Superintendent of Banks

W. HOLLOWAY, President.
Date of Charter: 5-4-1935

J. A. JOHNSON, Cashier.
Began Business: 6-1-1935

ASSETS

Cash, balances with other banks, in-

cludin$" reserve balances, and cash

items 1n process of collection

United States Government obliga-

tions. direct and guaranteed .. Obli~ations of States and political

subdivisions

. .. .. ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.

. ..

Real estate owned other than bank

premises

. . ..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acccptancf'S outstanding

Other Assets.

Total Assets

$

479,574.53 490,102.82 113,263.21 1,199,562.50
None 1,266,946.91
37,775.66 None
None None None 3.587,225.62

LIABILITIES Demand deposits Time deposits Deposits of U. S. GovC'rnmcnt Deposits of States and political suh-
divisions Deposits of banks Other deposits (certificd and offic(rs'
checks, etc.) Bills payable Acccptanc('s t"Xccutcd by or for ac-
count of this hank and outstanding Other liabilities Capital Surplus Undivided profits Rescrvcs
Total Liabilitie-.

1,657,556.24 738,179.41 36,4S6.07
709.450.17 82,991.26
17,509.05 None
None None 100,000.00 100,000.00 145,103.42 None
3.587,225.62

FORTY-FOURTH ANNUAL REPORT

93

STATEMENT Showing condition at the close of business December 31, 1963, of

THE MERCHANTS AND CITIZENS BANK

McRae, Ga.

As called for by the Superintendent of Banks

R. E. MANN, President.
Date of Charter: 3-28-1929

R. M. PARSONS,
Cashier. Began Business: 3-28-1929

ASSETS

Cash, balance5 with other banks, includin~ reserve balances, and cash items 1n process of collection . $

United States Government obliga-
tions, direct and guaranteed Obli~ations of States and political
subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of Federal Reserve Bank)

Loans and discounts (including overdrafts)

Bank prcmisrs owned, furniture and

fixtur<5

..

. . .. . .

Real estate owned other than bank

premises

. ... .

.....

Investments and other assets indi-

rectly representing bank premises or other real estate

Customers' liability to this bank on acceptances outstanding
Other Assets

Total Assets

438,029.73 982,280.38 517,427.76
None None 1,326,272.36
2.00 None
None None 1,450.79 3,265,463.02

LIABILITIES
Demand drposits
Time deposits Deposits of U. S. Government Deposits of Stat~:"s and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits Reserves

2,179,295.39 187,701.50 67,787.35
443,603.57 10,000.00
1,002.05 None
None 51,301.78 100,000.00 100,000.00 35,000.00 89,771.38

Total Liabilities

3,265,463.02

STATEMENT Showing condition at the close of business December 31, 1963, of

GEORGIA BANK & TRUST COMPANY Macon, Ga.

As called for by the Superintendent of Banks

LOGAN LEWIS,
President. Date of Charter: 6-9-1960

ROBT. C. HAM,
Cashier. Began Business: 7-1-1960

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Governm('nt obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notC's, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures . . . . . .

. ..

Real estate ownC'd oth('r than bank

premises

..

.

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Oth('r Assets

1,812,600.45 3,390,389.66
706,569.28 None None
6,047,274.45 94,532.64 None
175,000.00 None
40,275.8S

!.lABILITIES
Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officf'n.'
checks, etc.) Bills payable Acc~:"ptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities
Capital Surplus Undivided profits RrsrrVf'S

5,389,199.92 1,600,259.32
249,846.65
2,789,066.08 481,967.83
28,796.69 None
None 233,018.56 812,500.00 325,000.00 356,987.31
None

Total Assets

12,266,642.36

Total Liabilities

$ 12.266,642.36

-----------------------------------------------

94

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF MADISON Madison, Ga.

As called for by the Superintendent of Banks

L. B. CHAMBERS,

H. G. LOMAX,

President.

Cashier.

Date of Charter: 12-26-1888

Began Business: 1-1-1890

ASSETS

Cash, balances with other banks. in-

cluding rcst:'rvc balances, a!ld cash

items in process of collectiOn

$

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, notes, and dcbentur>s

Corporate stocks (including stock of

Federal Reserve Bank)

Loons and discounts (including over-

drafts)

.

.

Bank prrmisC's owned, furniture and

fixtures

.

..

Real estate owned other than bank

premises . . . . .

. ..

Investments and other assets indi-

rectly rt>presenting bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

356,937.21 1.436,348.18
20,604.60 None None
1,234,541.26 32,472.60 None
None None 2,118.59 3,0R3.022.44

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government Deposits of States and political ~11b

divisions

Dcposi ts of hanks .

..

Other deposits (certifird and oiccr~

checks. etc.)

Bills payable

Acccptancl.'s cxcC"'uted by or for ac-

count of this hank and outstand-

in~

Other liabilities

Capital

Surplus

Undivided profits

Reservcs

1,161,365.77 1.480,322.92
64,991.61
149,880.16 None
None None
None None 50.000.00 100,000.00 76.461.98 None

Total Liabilities

3,0R3,022.44

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF MANCHESTER Manchester, Ga.

As called for by the Superintendent of Banks

CLAUDE A. BRAY, President.
Date of Charter: 1-28-1910

ROBT. A. KELLUM, JR., Cashier.
Began Business: 2-2-1910

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itt'ms in process of collection

Unitl.'d States Government obliga-

tions, direct and guaranteed

Obli({ations of States and political

subdivisions

.. . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premises owned, furniture and

fixtures

.

. ..

Real estate owned other than bank

premises

.. .

. ..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

$

977,362.93 885,237.00 567,965.71 309,500.00
None 1,735,599.66
36.982.78 4,67 4.93
None None 523.30 4,517,846.31

LIABILITIES Dcmand deposits Time deposits Dcposits of U. S. Governmcnt Deposits of States and political l>Uh-
divisions Deposits of hanks . Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances Pxccuted by or for ac~
count of this bank and outstand-
ing Other liabilitics Capital Surplus Undivided profits Reserves

1.753,758.19 1.590,774.02
81,997.67
623,477.63 None
3,336.25 None
None 76,282.15 150,000.00 150,000.00 68,220.40 20,000.00

Total LiabilitiPs

4,517,846.31

FORTY-FOURTH ANNUAL REPORT

95

----------~----------------~

STATEMENT Showing condition at the close of business December 31, 1963, of

FARMERS AND MERCHANTS BANK OF MANCHESTER Manchester, Ga.

As called for by the Superintendent of Banks

ELMER LOFTIN,

JIMMIE F. LOFTIN,

President.

Cashier.

Date of Charter: 10-7-1947

- - - - - - - - ~-----------------

--- ------=-=-=~--=-------

Began Business: 2-2-1948

ASSETS

Cash, balances with other banks. in-

cluding reserve balances, and cash

items in process of collection . S

United States Government obliga-

tions, direct and guaranteed Obli~ations of Stat('s and political

subdivisions

Other bonds. notes, and debentures

Corporate stocks (including stock of

Fedrral Reserve Bank)

.

Loons and discounts (including over-

drafts)

.

.

Bank premises owned, furniture and

fixtures

..

.

Real estate owned other than bank

premises . . . . . . . .

Investments and othrr assets indi-

rectly representing bank premises

or other real estate .

Customers' liability to this bank on

acceptances outstanding

Other Assets

748,91G.:!O 230,000.00
None 100,000.00
None 7G5,736.1G
29,159.18 None
None None 787.50

LIABILITIES Demand deposits
Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executt"d by or for ac-
count of this bank and outstand-
ing Other liabiliti's Capital Surplus Undivided profits
Reserves

616,087.94 747,007.96
25,903.54
281,223.68 50,000.00
1,162.14 None
Nont' 3.06
50,000.00 60,000.00 43,080.71
None

Total Assets

l,R74,599.03

Total Liabilities

1,874,599.03

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF MANSFIELD Mansfield, Ga.

As called for by the Superintendent of Banks

A. E. HAYS, President.
Date of Charter: 12-19-1945

G. BARRON DAVIS, Cashier.
Began Business: 3-1-1946

ASSETS

Cash, balances with other hanks, in-

cluding r('S'rve balancC's, and cash

items in process of coll'ction . $

United States Government obliga-

tions. direct and guaranteed .. Obli~ations of States and political

subdivisions

.. . .

Other bonds, notes, and debentures

Corporate stocks (including :-;tock of

Fed('ral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtuns . .

Real estate 0\vned oth('r than bank

prr-mises

.. ..

.

Investments and other assets indi-

rectly representing bank premises

or other real ('state

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

156,294.13 126,000.00
None 75,000.00
None 439,727.06
2,55R.~9
None
None None None 7U9,580.1 X

LIABILITIES D'mand dC'posits Time deposits Deposits of U. S. Governmtnt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certifi'd and officf'rs'
checks, etc.) Bills payable AcccptanG<'S <'Xecutcd by or for ac-
count of this bank and outstanding Oth<'r liabilities Capital Surplus Undivided profits Reservt's

396,565.68 225,222.21
747.57
G2,S73.18 None
1,854.23 None
None 627.73 25,000.00 75,000.00 11,689.58
None

Total Liabiliti<'s

799,580.18

96

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

COBB EXCHANGE BANK Marietta. Ga.

As called for by the Superintendent of Banks

ROSSER N. LITTLE, President.
Date of Charter: 12-18-1906

JAS. W. HAMES, Cashier.
Began Business: 1-1-1907

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed .. Obli~ations of States and political

subdivisions

. ..... .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJeral Reserve Bank)

Loans and discounts (including over-

drafts)

..

..

Bank premises owned, furniture and

fixtures . . . . . . . . . . . .

Real estate owned other than bank

prl'mises

.. .

. . ..

Investments and other assPts indirectly representing bank premi~cs

or other nal estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

1,611,403.55 2,717,503.32 1,571,799.95
None None 5,336,128.09 111,756.52 None
None None 56,926.77

Total Assets

11,405,51R.20

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

.. .

Other deposits (cC'rtified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

6,013,904.32 2,394,872.37
517,087.86
1,381,685.79 None
71.00 None
None 207,801.53 300,000.00 350,000.00 240,095.33
None

Total Liabilities

~ 11,405,518.20

STATEMENT Showing condition at the close of business December 31, 1963, of

MARIE'ITA t:OMMERCIAL BANK Marietta, Ga.

As called for by the Superintendent of Banks

WALTER E. GRAHAM, President.
Date of Charter: 9-2-1955

LEE E. PARTAIN, JR., Cashier.
Began Business: 9-17-1956

ASSETS

Cash, balances with other banks, in-

cludiilg reserve balanc('s, and cash

items in process of collection

United States Government obliga-

tions. direct and guaranteed ..

Obli~ations of States and political

subdivisions

.. .. ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prt>miscs owned,,furniture and

fixtures

Real estate owned other than bank

premises

lnvt>stments and other assets indi-

rectly representing bank premises

or other real esta tc

Customers' liability to this hank on

acceptances outstanding

Other Assets

Total Assets.

1,505,943.71 1,618,443.77
50,5 63.84 200,108.20
None 2,433,176.21
93,926.70 None
None None 34,364.67

LIABILITIES
Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political :mb-
divisions Deposits of banks Other deposits (certified and officl"rs'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilitirs Capital Surplus Undividrd profits Resf'rvcs

2,679,281.75 1,082,494.85
292,146.07
1,409,365.93 10,500.00
34,168.74 None
None 91,569.76 240,000.00 70,000.00 27,000.00
None

Total Liabiliti('s

5,936,527.10

- - - - - - - - -~--~-

FORTY-FOURTH ANNUAL REPORT

97

STATEMENT Showing condition at the close of business December 31, 1963, of
GEORGIA BANKING COMPANY Marshallville, Ga.

As called for by the Superintendent of Banks

JOHN C. WALKER, JR., President.
Date of Charter: 9-19-1910

J. R. ALLEN, Cashier.
Began Business: 9-27-1910

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

.. .

Other bonds, notes, and debentures

Corporatt' stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

Bank premis's owned, furniture and

R:~~t~:;:tc o~n~d oth~r than bank

premises . . . . . . .

. ....

Investments and other assets indi-

rectly representing bank premises

or other real estatc ..

Customers' liability to this .bank on

acceptances outstanding

Other Assets

Total Assets

214,252.95 110,000.00
None None None 258,894.45 600.00 None
None None None 583,747.40

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

.

Other deposits (certified and oFficers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

Total Liabilities

$

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF MEIGS Meigs, Ga.

332,603.61 117,948.08
800.00
76,468.54 None
307.17 None None None
25,000.00 25,000.00
5,620.00 None
583,7 47.40

As called for by the Superintendent of Banks

J. L. PILCHER, President.
Date of Charter: 5-8-1903

TOM SMITH, Cashier.
Began Business: 6-1903

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, not('s, and debentures

Corporate stocks (including stock of

FeJeral Reserve Bank)

Loans and discounts (including over-

drafts)

. .. . ..

.

llank prt>mises owned, furniture and

fixtures . . . . . . . . . . . . . .

Real estate owned oth~?r than ban~

premises

. ..

.

Inv('stments and other assets indi-

rr-ctly representing bank premises

or oth<'r real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

311,323.94 652,145.78
10,000.00 148,750.00
None 628,280.97
2.00 None
None None None 1,750,502.69

IJABILITIES Demand deposits
Time deposits
Deposits of U. S. Government
Deposits of States and political subdivisions
DPposits of banks
Other deposits (ccrtifird and officrrs' checks, etc.)
Bills payable Acceptances executed by or for ac-
count of this bank and outstanding
Other liabilities Capital Surplus Undivided
Rrscrvrs

881,945.85 486,662.94
16,559.91
153,264.12 None
10,97 4.68 None
None None 50,000.00 50,000.00 76,095.19 25,000.00

Total Liabilities

$ 1, 750,502.69

98

DEPARTMENT OF BANKING

- - - - ------- ----

----

STATEMENT

Showing condition at the close of business December 31, 1963, of

METTER BANKING COMPANY Metter, Ga.

As called for by the Superintendent of Banks

M. E. TRAPNELL,

REX D. HARTLEY,

President.

Cashier.

Date of Charter: 7-25-1930

Began Business: 8-26-1935

ASSETS

Cash, balances with other banks, in

eluding resPrve balances, and cash

items in process of collection .

United States Government obliga-

tions. dirC'ct and guaranteed Obli~ations of Statf.'s and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including :-tack of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank pnmiscs owned, furniture and

fixtures . . . . . .

.

Real estate owned other than bank

pr('miscs

. . . . . . ....

Investments and otht>r assets indi-

rectly representing bank prcmis<'s

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

340,410.45 1,601.987.17
105,161.77 149,914.06
None 2,226,007.01
40,182.25 None
None None 915.18

Total Assets

$ 4,464,577.89

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Govrrnment

Deposits of States and political sub-

divisions

Deposits of banks .

.

Other deposits (certified and officPrs'

checks. etc.)

Bills payable

AcceptancPs f'Xccuted by or for ac-

count of this bank and outstand

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,899,732.03 1,830,013.23
58,421.62
229,991.75 488.79
18,881.15 None
None 72,879.36 125,000.00 125,000.00 19,169.96 85,000.00

Total Liabilities

4,464,577.89

--------------------

STATEMENT Showing condition at the close of business December 31, 1963, of

PINELAND STATE BANK

Metter, Ga.

As called for by the Superintendent of Banks

G. H ROUNTREE,

RICHARD N. MARSH,

President.

Cashier.

Date of Charter: 12-27-1961

Began Business: 10-15-1962 = - - - - - - ==~'---,'--'=-----~=-=--=--=--~-=-_cc_.=

ASSETS

Cash, balancrs with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

tions, direct and guaranteed

Obli15ations of States and political

!mbdivisions

Other bonds, notes, and debenturf's

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ov'r-

drafts)

Bank prt>mises owned, furniture and

fixtures

.. . . .

Real estate owned other than bank

premises

.. .

. . ..

Investments and other assets indi-

rectly representing bank prcmis<'s

or other real estate

Custom'rs' liability to this bank on

acceptances outstanding

Other Assets.

390,185.42 593,996.00
None None None 639,368.09 17,244.54 None
1,600.35 None
1,130.80

LIABILITIES

Demand deposit

$

Time deposits

Deposits of U. S. GovC'rnmC'nt

Deposits of States and political sub-

divisions

Deposits of banks .

.

Other deposits (certified and officen'

checks, etc.)

Bills payable

Acceptances t>xccu ted by or for ac-

count of this bank and outstand-

ing

Other 1iabilities

Capital

Surplus

Undivided profits

Reserves

712,870.65 432,930.35
13,431.92
249,472.32 None
25,021.31 None
None None 100,000.00 75,000.00 30,798.65 4,000.00

Total Asset5

$ 1,643,525.20

Total Liabilities

1,643,525.20

FORTY-FOURTH ANNUAL REPORT

99

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF MIDVILLE Midville, Ga.

As called for by the Superintendent of Banks

J. B. THURMAN,
President.
Date of Charter: 4-13-1945
- - - ------
ASSETS Cash, balances \\'ith other banks, in4
cl uding nscne balances, and cash items in process of collection United States Government obligations, direct and guarantccd Oblie;ations of Statrs and political subdivisions Other bonds, notrs, and debentures Corporate stocks (including stock of Federal Reserve Bank) Loans and discounts (including O\Trdrafts) Bank prPmises owned, furni lure and fixtures Real estate owned other than bank prerniscs lnwstmcnts and other assets indinctly representing bank pnmises or other rral estate Cu~tomf'rs' liability to this bank on acceptances outstanding Other Assets

99,811.30 237,696.88
16,773.78 None None
866,605.21 2.00
None
None None 1,153.37

R. H. SIMS, Cashier.
Began Business: 5-21-1945

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political suh-

divisions .

Deposits of banks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptance's PXccutcd by or for ac-

count of this bank and outstand-

ing

Othf'r liabilities

Capital

Surplus

Undivided profits

Reserves

340,644.77 189,089.49
None
87,957.49 5,000.00
4,933.81 None
None 3,518.31 25,000.00 50,000.00 13,898.67 2,000.00

Total Asscts

$ 722,042.54

Total Liabilities

722,042.54

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF MILAN Milan, Ga.

As called for by the Superintendent of Banks

W. C. McCRANIE,

JACK B. WETHERINGTON,

President. Date of Charter: 12-6-1906

Cashier. Began Business: 10-1906

======================~==~~~~====

ASSETS Cash, halancrs with other hanks, in-

LIABILITIES

Demand deposits

$

cluding rC'srrve balances, and cash

items in proCC'SS of collC'ction

$

United States GovernmP"nt obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds. notes, and debentures

517,358.83
300,000.00
None None

Time deposits DC'posits of U. S. Government Deposits of States and political sub-
divisions Deposits of hanks Other deposits (certifiC'd and officrrs'
checks. etc.)

CorporatC' stocks (including stock of
Federal Reserve Bank) Loano;; and discounts (including ovrr-
drafts) Bank premisC's owned, furniture and

None 514,465.00

Bills payable Acceptanct>s rxecutcd by or for ac-
count of this bank and outstand-
ing Othtr liabilities

fixturPs

.

Real estate owned other than bank

premises

.

. ..

24,464.77 None

Capital Surplus Undivided profits

lnYestments and other assets indi-

Reserves

rectly r'"prescnting bank premises

or other real estate

None

Customers' Jiability to this bank on acceptances outstanding
Other Asspts

None 581.36

716,804.16 435,454.69
1,718.67
81,315.48 None
None None
None 2,350.46 35,000.00 35,000.00 49,226.50
None

Total Assets

1,356,869.96

Total Liabilitit>s

1,356,869.96

100

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

EXCHANGE BANK Milledgeville, Ga.

As called for by the Superintendent of Banks

JOHN E. GARNER, JR.
President. Date of Charter: 5-20-1903

AUBREY H. SIMPSON, Cashier.
Began Business: 6-1-1903

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

.... .... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loons and discounts (including over-

drafts)

..

.

.

Bank premises owned, furniture and

fixtures . . . . . ....

Real estate owned other than bank

premises . . . . . . . . . . ...... .

Investments and other assets indi-

rectly representing bank premises

or other real estate . . ...

Customers' liability to this bank on

acceptances outstanding

Other Assets

872,908.38 2,489,176.01 1,021,899.51
791,139.19 None
2,940,006.49 100,497.31 None
25,000.00 None
61,020.72

Total Assets

$ 8,301,647.61

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub

divisions

Deposits of banks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing .

Other liabilities

Capital

Surplus

Undivided

Reserves

2,059,981.50 3,028,735.20
412,242.70
1,390,125.87 477,554.91
58,090.09 None
None 185,088.26 260,000.00 300,000.00 129,829.08
None

Total Liabilities.

$ 8,301,647.61

STATEMENT Showing condition at the close of business December 31, 1963, of THE MERCHANTS AND FARMERS BANK OF MILLEDGEVILLE
MiUedgeville, Ga.
As called for by the Superintendent of Banks

DR. H. D. ALLEN, President.
Date of Charter: 3-22-1898

J. R. ALLEN, Cashier.
Began Business: 3-1898

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items 1n process of collection

United States Government obliga-

tions, direct and guaranteed Obli.~a~i?~s of States and political
subdiVISIOnS . . . . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

. ..

....

Dank premises owned, furniture and

Ref!}t~~~~te owned. ~ih~r tha~ .ba~k

premises . . . . . . . . ...

ln\estmcnts and other assets indi-

rectly representing bank premises

or other r('al t>sta tc Customers' liability to

this

b~nk .on

acceptances outstanding

Other Assets

Total Assets

$

590,616.13 2,192,571.37
475,955.12 350,021.00
None 1,918,957.36
76,028.81 1.00
None None 1,455.02 5,605,605.81

LIABILITIES

Demand deposits

$

Time deposits . . .

..

Deposits of U. S. Government

Ddi~i!f~n~f S~ates and ~~lit~~al. s~~-

Deposi ts of banks . . . . .
Other deposits (certified and officers' checks, etc.)
Bills payable
Acceptances executed by or for account of this bank and outstanding
Other liabilities Capital Surplus Undivided Reserves

1, 7 42,807.88 2,312,103.65
48,888.81
1,038,911.73 None
11,831.47 None
None None 150,000.00 200,000.00 101,062.27 None

Total Liabiljtics

$ 5,605,605.81

- ________F_ORTY-FOURTH ANNUAL REPORT -------~~~101

STATEMENT Showing condition at the close of business December 31, 1963, of
THE MILLEDGEVILLE BANKING COMPANY Milledgeville, GL

As called for by the Superintendent of Banks

FRANK W. BELL, President.
Date of Charter: 2-28-1874

RICHARDS. NORMAN, Cashier.
Began Business: 10-13-1884

ASSETS

Cash. balance!; with other banks, in-

cluding reserve balances, and cash items in procrss of collection

1,066,437.32

United States Government obliga-
tions, direct and guaranteed Obli~ations of States and political
subdivisions Other bonds. notes, and debentures

3,476,381.50
864,353.44 423,781.25

Corporate stocks (including stock of Frdrral Reserve Bank)

None

Loons and discounts (including overdrafts)

3.171.009.19

Bank prt>mises owned, furniture and

fixtures

. . ...

2.00

Rral estate owned other than bank

premises

..

. ....

None

Investments and other assets indi-

rectly representing bank prrmist's or other real estate

None

Customers' liability to this bank on acceptances outstanding

None

Other Assf'ts

1.577.31
-------

Total Assets

9.003,544.01

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governmrnt

Deposits of States and political !illh

divisions

Deposits of banks . .

.

Other deposits (certified and officers'

checks, rtc.)

Bills payable

Acceptances executrd by or for ac-

count of this hank and outstand

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

2,762,837.76 3.477,006.39
193,625.60
1,640,292.92 92,297.79
32,746.96 None
None 34,754.76 200.000.00 200.000.00 200.000.00 169,981.83

Total Liabilitif's

9,003,5 44.01

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF MILLEN Millen, GL

As called for by the Superintendent of Banks

W. H. SHEPPARD,

WATSON W. ROCKER,

President.

Cashier.

Date of Charter: 1-4-1893

Began Business: 3-1-1893

ASSETS

Cash 1 balancf's with other banks, in eluding reserve balances, and cash

itt'ms in process of collection

$

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

.

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feurral Reserve Bank)

Loans and discounts (including overdrafts)

Bank premises owned, furniture and

fixtures

. .. .... ........

Real rstatc ownrd other than bank

premises

. . . . ....

lnvrstmrnts and other assets indi-

rectly representing bank prf'mises

or other rC'al estate

Customers' liability to this bank on

accC'ptanccs outstanding

Other Assets

Total Assets

370,487.62 1.848.591.39
None 150,613.22
None 1.462,499.32
33,015.07 1.000.00
None None 25,000.00 3,891,206.62

LIABILITIES

Demand deposits

$

Time deposits Deposits of U. S. Govcrnmrnt DeP.o~i~s of States and political sub-

divisiOns

Deposits of banks

Other deposits (ct'rtified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for account of this bank and outstand~

ing

Other liabilities

Capital

Surplus ..

Undivided

Rrsf"rves

1,982.616.31 1,226,046.44
4,979.45
282,957.97 10,000.00
12,270.48 None
None None 100,000.00 200,000.00 72,335.97 None

Total Liabilities

$, 3,891.206.62

102

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF MOLENA Molena, Ga.

As called for by the Superintendent of Banks

R. H. FLETCHER, President.

CHAS. W. BECKHAM, Cashier.

Date of Charter: 10-7-1901

Began Business: 3-1899

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and c.ash

items in process of collection

S

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

. .... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . . . . . . ..

Real estate ownt'd other than bank

premises

..

...

Investments and other assets indi-

rectly representing bank premises

or other rral estate

Customers' liability to this bank nn

acceptances outstanding

Other Assets

Total Assets

111,524.69 177,050.00
None 100,000.00
None 193,855.55
1,984.11 1.00
None None None 584,415.35

LIABILITIES Demand deposits Time deposits Deposits of U. S. Govcrnment Deposits of States and political sub-
divisions Deposits of banks Other deposits (ct'rtified and officers'
checks, etc.) Bills payable Acceptancf's executed by or for ac-
count of this bank and outstanding Othf'r liabilities Capital Surplus Undivided profits Resen's
Total Liabilitif's

254,400.36 210,383.71
366.43
59,866.34 None
316.88 None
None 1,500.00 30,000.00 10,000.00 17,581.63
None
584,415.35

STATEMENT Showing condition at t!:.e close of business December 31, 1963, of
THE FARMERS BANK Monroe, Ga.

As called for by the Superintendent of Banks

GEO. W. BAKER,

J. B. BUTTS,

President. Date of Charter: 1-1-1906

Cashier. Began Business: 1-1-1906

ASSETS Cash, balancf'S with other banks, in-
cluding reserve balances, and cash items in process of collection $ United States Government obligations, direct and guaranteed Obligations of States and political subdivisions Other bonds, notes, and debentures Corporate stocks (including stock of Federal Reserve Bank) Loans and discounts (including overdrafts)
Bank premises owned, furniture and fixtures
Real estate owned other than bank premises
Investments and other assets indirectly representing bank premises or other real estate
Customers' liability to this bank on acceptances outstanding
Other Assets.
Total Assets

1,128,389.85 l,G79,582.11
501,333.89 285,491.68
13,500.00 3,376,907.48
30,666.!9 45,683.56
None None None 7,061,554.76

LIABILITIES Demand dcposits Time deposits Deposits of U. S. Government Deposits of Statt'S and political ~ub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptanccs executed hy or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits
Reserves

2,564,825.83 2,846,36o.6o
190,327.96
581,708.38 None
60,310.86 None
None 49,852.07 250,000.00 200,000.00 315,164.06
None

Total Liabilities

7,061,554.76

_ _ _ _ _ _F_:O_R_:T::__Y=..--=F--O::__:U RTH ANNUAL REPORT

103

STATEMENT Showing condition at the close of business December 31, 1963, of
MONTEZUMA BANKING COMPANY Montezuma, Ga.

As called for by the Superintendent of Banks

T. M. ADAMS, President.
Date of Charter: 10-23-1948

C. W. KINMAN, Cashier.
Began Business: 1-10-1949

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itC'ms in proc'ss of collection

$

Cnit'd States Government obliga-

tions, dircct and guaranteed Obli~ations of States and political

subdivisions

.

Otht'r bonds notes, and debentures

Corporate st'ocks (including stock nf

FeU.eral Reserve Bank) Loans and discounts (includin~ O\'er-

drafts)

Bank prf'mis<'S owned, furniture and

fixtuns

.. ..



Real rstatc O\-vned other than bank

premises

lnwstmrnts and other assets indirectly representing bank premise~

or other nal rstate Customrrs' liability to thi~ bank Pn

arceptance~ outstanding

Other Assets

Total A<;ct<;

3.S1,41H.9:~ G~ 6,5 7 0.1 H 261,612.1G
None None
~27,RH3.7R
10,867.50 1,5H7.50
None None None 2, 172.~l50.0G

LIABILITIES
Dnnancl dC'posib TimC' deposits D('posits of L. S. Govnnmf'nt Deposits of States and political fillh-
divisions Deposits of banks Other deposits (certifiPd and officcr'
checks, etc.) Bills payable Acceptances eXf'CUted by or for ac-
count of this bank and oubtand-
ing Other liabilities Capital Surplus Undivided profits
R<'serns

7 Gf>,!l GR.Gi"i
66:~.5fiX.f>l 15,441.~:2
-HI 1.7R2.:37 NonP
G.~ll:-L!.l4
None
Non(' !1,4 37 .!i () 50,1100.00 50,000.011 1 09,:l:J7 .27 7 ,flOO.OO

Total Liabiliti<'s

2.172,DflO.OG

STATEMENT Showing condition at the close of business December 31, 1963, of
MOULTRIE BANKING COMPANY Moultrie, Ga.

As called for by the Superintendent of Banks

W. J. BAIRD,

President.

Date of Charter: 7-8-1896

- - - - - - - - - -- - - - - -

-
~-----

ASSETS

Cash, balances with oth<'r hanks. in-

cluding ff'S<'rve balancTs, and cash

items in process of collection

$

United States Government obli~a-

tions. dir<'ct and guaranteC'd . ,

Obli~ations of Stat<'s and political

subdivisions

Other bonds, not's. and debentures

Corporate stocks (including stock nf

Fedend Reserve Bank)

Loans and discounts (including overdrafts)

Bank prf'mises ownf'd, furniturc and

fixtures

.

Real estate owned other than hank premises

Jm;estments and other assets indi-

rectly representing bank premis<'S or other real estate

Customers' liability to this bank on

acceptances outstandingOther Assets

l,li~1.011.2-1 4,GX0,741.X~
1,1XX,222.2() None None
6,110\,\ll2.Gl 7X,4G4.~lS 77,714.RO
XO,OOO.OO None
4R.~lGG.(i~

H. W. RHODES, Cashier.
Began Business: 1896

LIABILITIES

Df'mand thpo:its
Time deposiis Drposits of L'. S. Gn\'tr~n.ll'nl Deposits of State and pol1t1c3l sub-

division

Df'posits of ~Jank . . Other dcpostts (ccrt1flf'd

and

orfu. _n~ .

chrrks, de.)

Bills payable

Acrcptancl's f'Xec:utcd count of this hank

ah~v d

or for ac:out<;tand-

in.~ Other liabilitie<;

Capital

Surplus Undivided prnrit<>

Rcc;ervcs

7,K03,300.:l(l
2,Hfi:~.OX!l.40
l:ll.441.70
f'J\l 7 .:~ GG.l2
~:35,GOS.IG
:--; D,4H2.!l t None
Non
2!):~.277.74
:HIII,OOO.IIO 700,000.011
:~G4,545.H2
:l21.!112.1 \

Total Assets

" 13.790,037.40

Total Li3bilitif':

" ):l.7!10,037.40

- - - - - - - - - - - - - - - - - - - - - - ---~------------ - - - - - - - - - - - - - - - - - - - - - - - -

104

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
MOUNT VERNON B'ANK Mount Vernon, Ga.

As called for by the Su{>erintendent of Banks

D. A. McRAE, JR., PrE-sident.
Date of Charter: 12-21-1900

G. E. HUGHES, Cashier.
Began RusinPRS: 1-24-1901

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $ United States Government obliga- '

tions. direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Rt'servc Bank)

Loans and discounts (including ovrr-

drafts) Bank prt>mises owned, furniture and

fixtures

.. . ..

Real estate owned other than bank

premisrs

.

..

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

373,508.58 590,591.75
68,905.05 49,937.50
None 492,146.41
19,815.49 None
None None None

LIABILITIES

Demand deposits

Time deposits

.

Deposits of U. S. Government

Depo~its of States and political sub-

divisions

.

DPposits of banks

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptancps executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

R'serves

678,128.84 359,658.30
33,561.04
294,218.59 36,306.19
311.72 None
None 27,699.00 75,000.00 60,000.00 30,021.10
None

Total Liabilitirs

1,594,904.78

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS BANK Nashville, Ga.

As called for by the Superintendent of Banks

M. E. PERRY,

OUIDA N. WILSON,

President.

Cashier.

Date of Charter: 2-19-1943

Began Business: 3-1943

- - - - - - - - - - - - - - ---------~-----------

-----------~

ASSETS

Cash, balances with other hanks. in-

cluding resrrvc balances, and cash

items in process of collection

Unitt>d StatPs Government obliga-

tions, direct and guaranteed Obli~Sations of States and political

subdivisions

..

Otht>r bonds, not('S, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Lo.."lns and discounts (including over-

drafts)

Bank premisPs owned, furniture and

fixturPs

.

.

Real estate owned othPr than bank

premises

.

lnvcstmpnts and othPr assets indi-

rectly npresenting bank prcmisPs

or other real estate

Customers' liability to this bank on

acceptances outstanding

Othr-r Ass('ts

!.662,098.:l4 795,G37 .12 135,919.09 99,000.00 None 797,946.51 15,060.00 None
None None None

I. lABILITIES DPmand deposits Time deposits . Deposits of U. S. GO\r-rnment Deposits of Staff's and political ~ub-
divisions Drposits of hanks OthC'r dr-posit~ (crrtifird <lnd oHicr-rs'
c.hecks, rtc.) llills payabloAcceptancr-s rxecutcd by or for ac-
count of this bank and outstanding
Otl1'r liabilitir-s Capital Surplus Undividr-d profits
Rt'S{'f'Vt'S

1,530,258.84 I ,058,201.98
35,858.!; I
288,733.34 246,316.32
13,052.30 None
None 29,139.67 100,000.00 100,000.00
4,000.00 100,000.00

Total Ass('tS

3,5 0 5,5 61.0 6

Total Liabilities

3,505,56l.OG

---~ ------~---------'----~----------------

FORTY-FOURTH ANNUAL REPORT

105

STATEMENT Showing condition at thP close of business December 31, 1963, of
THE UNITED BANKING COMPANY Nashville, Ga.

As called for by the Superintendent of Banks

H. D. HAND, President.

LUCILLE L. FULLER, Cashier.

Date of Charter: 7-10-1924

Business Began: 7-15-1924

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed . Obli~ation" of States and political

subdivisions

..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fetlcral Rcs(T\'e Bank)

Loans and discounts (including overdrafts)

Rank premises owned, furniture' and

fixtures

.

.. .... .

Real estate owned other than bank

pnmiscs

Jnvestmrnts and other assPts indi-

rC'ctly rcprcsrnting bank prC'mist's

or otht'r rt'al estate

Customers' liability to this bank on

aCCC'ptances outstanding Other Assets

Total A"ets

601,530.21 460,750.00 170,811.42 200,000.00
None 1,267,487.87
15,001.00 None
None None 300,000.00 3,015,580.50

LIABILITIES
Demand deposits Time deposits Dt"posits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (cC'rtified and officers'
checks, etc.) Bills payable Acceptances ext'cuted by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits Resenl's

1,263,314.25 917,461.04 107,013.6!
23>,687.70 30,441.23
37,496.21 None
None 155,000.00 100,000.00 150.000.00
19,16!i.46 None

Total LiabilitiC's

3,015,580.50

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF NEWINGTON Newington, Ga.

As called for by the Superintendent of Banks

HORACE V. WELLS, President.
Date of Charter: 7-7-1919

ERNEST E. LEE, Cashier.
Began Business: 8-14-1919

======================~=========

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection S

United States Government obliga-

tions. direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds. notec;, and debentures

Corporate oc;tocks (including stock of

Fedtral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank pnmise'i ownt'd, furniture and

fixtures

.

Real c~tate owned oth('r than hank

premises

.

..

Investments and other assets indi-

46,925.7 4 90.000.00
None None None 170,67 5.0~1 1,100.00 None

LIABILITIES
D('mand deposits
Time deposits Deposits of U. S. Gov('rnment Dt>posits of Statt>s and political ~lib-
divisions Deposits of hanks Other deposits (certifi('d and officers'
checks. etc.) Bills payable Acceptances executt'd hy or for ac-
count of this bank and outstanding Other liabilities
Capital Surplus Undivided profits Reserves

rectly representing bank premist's

or other real t'statc

None

Customers' liability to this bank on

acrt'ptanct's outstanding Othf'r Aoc;scts

None None

!SH,HSS.41 3H,651.6G None
22,07fi.G3 None
2,062.!14 Non
None None !G,OOO.OO 25,000.00 17,022.20 None

Total Asc;ct~

30S.700.H3

Total LiahilitiPs

308,700.83

106

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS & SOUTHERN NEWNAN BANK .Newnan, Ga.

As called for by the Superintendent of Banks

T. GLENN WARE, President.
Date of Charter: 2-25-1955

B.S. ASKEW, Cashier.
Began BusineRR: 2-25-1955

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

Cnitcd States Government obliga-

tions. direct and guaranteed

Obli~ation., of States and political

subdivisions

. . . . .. . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

.

Loans and discounts (including over-

drafts)

Bank premises own'd, furniturr and

fixtures . . . . . .

.. ..

Real cstatc ownf'd other than hank

prcmis's

Investmrnts and other assrts indi-

rf'ctly representing bank premiso

or othrr real rstate

Customers' liability to this bank on

arnptances outstanding

Other Assets

1,816,448.00 2, 9 2 7,513.13
517,583.10 None
3,250.00 4,H62,2 79.7 4
106,995.70 None
75,000.00 None
57,028.29

Total Aso;,l."t~

$ 10,366,097.96

Ll ABILITIES Demand deposits Time deposits DPposits of C. S. Government Deposits of StatPS and political sub-
divisions Deposits of banks Other deposits (cPrtified and officPrs'
chPcks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Othl."r liabilities Capital Surplus Undivided profits Reserves

4,540,731.57 3,291,992.33
195,985.25
662,535.02 309,548.25
27,876.58 None
None 431,827.07 300,000.00 300,000.00 255,601.89
50,000.00

Total LiabilitiPs

$ 10,366,097.96

STATEMENT

Showing condition at the close of business December 31, 1963, of
BAKER COUNTY BANK Newton, Ga.

As called for by the Superintendent of Banks

ALBERT W. BARBER,

0. C. SINDERSINE,

President.

Cashier.

. Date of Charter: 10-4-1906

Began Business: 10-15-1906

Cas~-ba-l-an-c~~-w-i_t_h-~-t-1~~i-~-nk_s_, j:--------~- ---~-e_m_a_n_d__deposits LIABILITIES

eluding rrserve balances, and cash

items in process of collection . $

United States Government ohliga-

O

t'J?ns ..

d' ]f('

bi J~atiOnc;

t Co f

asntdatrgsuaraanndtepe odI1't.1caI

subdivisions

..

Other bonds, notes, and debentures

Corporate >stocks (including "Stock of

Federal ResPrvc Bank)

173,973. 21
396,378.40 11,803.5 3 None None

Timl." deposits Deposits of U. S. Governmrnt Deposits of States and political .mbn,dpiovsiJs'itos nos f IJanks
OthT deposits (certifit'd and offic"rs' checks, etc.)
Bills payablt' Accrptanns rxeruted hy or fnr ac-

560,3H0.23 121,446.37
1,046.00
:321,920.55 None
5,309./R None

Loans and discounts (including onr-

count of this hank and outstand-

drafts) Bank prf'mi~cs ownrd, furniture and
fixtuns Real f'Statc 0\\.. n{'d oth"r than bank
premisf's Inv('~tmcnts and other assets indi-

633,423.41 3,i37.17 None

ing Other liabilities
Capital Surplus Undivided profit<;
Reserves

None 3,995.3H 25,000.00 150,000.00 31,1189.38
None

rf'ctly representing- bank prcmis1s or othf'r real e~tatc Customer~' liability to this bank on

None

acceptanres outstanding Other Assets

None
8~0.98

Total A~sf'ts

1 ,220,196.70

Total Liabiliti''"

1,220, I %.70

FORTY-FOURTH ANNUAL REPORT

----

----

- -- ----- ----------

107

STATEMENT Showing condition at the close of business December 31, 1963, of
NICHOLLS STATE BANK Nicholls, Ga.

As called for by the Superintendent of Banks

RALPH G. LOTI', President.
Date of Charter: 12-2-1952

R. E. LOTI', Cashier.
Began Business: 1-2-1953

ASSETS

Cash, balances with other banks, in-

cluding rt>servc balances, and cash

items in process of collection

:3

United Statrs Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Lo-ans and discounts (including over-

drafts)

Bank premise<; owned, furniture and

fixtures

.

. ...

Real estate owned other than bank

premises

. ... .

...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to thi! bank on

acceptances outstanding

Other Assets

Total Assets

236,094.% tG0,982.49
None None None 178,374.60 1,671.51 None
514.69 None None
867,638.25

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of Stahs and political sub-
divisions Deposits of banks Other deposits (certified and officrn.'
checks, etc.) Bills payable Acceptances rxecuted by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits. Reserves

329,828.80 404,545.08
2,477.35
G7,137.21 None
348.85 None
None 1.763.50 25,000.00 15,000.00 21,537.46
None

Total Liabilities

867,63S.25

STATEMENT Showing condition at the close of business December 31, 1963, of
THE BANK OF NORCROSS Norcross, Ga.

As called for by the Superintendent of Banks

CLIFFORD JONES, President.
Date of Charter: 12-12-1903

J. S. NESBIT, Cashier.
Began Business: 2-1-1904

ASSETS

Cash, balancf's with other banks, in-

cluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Lo.'lns and discouots (including over-

drafts)

.

Bank premises owned, furniture and

fixtures

..

. ..

Real estate owned other than bank

premises . . . . . . . . . . .....

Investments and other assets indi-

rectly representing bank prc;-mises

or other real estate Customers' liability to

this

b~nk. on

acceptances outstanding

Other Assets

Total Assets

321,178.49 519,818.75
None 380,520.85
None 719,419.8!
11,255.12 None
None None None 1,952,193.02

LIABILITIES
Demand deposits
Time deposits Deposits of U. S. Government DeJi~i!f~n~ States and political sub-

Deposits of banks .

.

Other deposits (certifiC'd and officers'

checks, etc.)

Bills payable

Acceptances execute-d by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,002,173.25 634,465.2:l 6,257.25
152,870.18 None
None None
None 11,552.06 60,000.00 50,000.00 34,875.05
None

Total Liabilities

1.952,193.02

108

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

THE BANK OF OCILLA Ocilla, Ga.

As called for by the Superintendent of Banks

JACK WILLIS,

R.O.PAULK,

President.

Cashier.

Date of Charter: 9-20-1956

Began Business: 10-1-1956

ASSETS

Cash, balancrs with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~a!i?~s of States and political

subdivisiOns

.... .. ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

. . ...

Bank prl'mises owned, furniture and

fixtures

. .. .. ....... .

Real estate ownC'd other than bank

premises

lnvestml'nts and othl'r assets indi-

rectly representing bank prC'mises

or other TC'al C'statc

.

1

Customl.'rs' liability to this bank on

acceptances outstanding

Other Assets

240,954.72 503,376.94
None 199,7 81.2 5
None 911,989.99
9,438.04 10,000.00
None None 1,159.78

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub

divisions

Deposits of banks

Other deposits (certified and officrrs'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

.

Other liabilities

Capital

Surplus

Undivided

Reserves

1,102,201.43 499,783.28 16,501.64
88,026.26 None
12,552.93 None
None 7,509.17 75,000.00
a5.ooo.oo
40,126.01 NonP

Total Liabilities

1,876,700.72

STATEMENT
Showing condition at the close of business December 31, 1963, of
THE FIRST STATE BANK OF OCILLA Ocilla, Ga.
As called for by the Superintendent of Banks

OTTO GRINER, President.
Date of Charter: 5-11-1943

E. J. PATTEN, Cashier.
Began Business: 6-1-1943

ASSETS

Cash, balances with other banks, in-

cluding resl.'rve balances, and cash

items in process of collection .. $

United States Government obliga-

tions, direct and guaranteed . . Obli~ations of States and political

subdivisions .

. ........

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

. ..

.

Bank premises owned, furniture and

fixtures

...

... .

Real estate owned other than bank

premises

. .. . .

Investments and other assets indi-

rectly representing bank premises

or other real estate .

Customers' liability to this bank on

acceptances outstanding .

Other Assets . . . . . . .

656,754.15 1,974,546.75
23,068.58 25,000.00
None 1,664,988.42
13,244.32 None
None None None

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks . . . Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits Reserves

2,291,126.00 1,293,631.65
49,155.19
293,320.11 None
14,954.45 None
None None 100,000.00 100,000.00 94,683.27 120,731.55

Total Ass~ts

4,357,602.22

Total Liabilities

---------------

4,357,602.22

FORTY-FOURTH ANNUAL REPORT

109

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF OGLETHORPE Oglethorpe, Ga.

As called for by the Superintendent of Banks

JOHN F. WILLIAMS, President.
Date of Charter: 2-5-1901

BLANCHE R. WILLIAMS, Cashier.
Began Business: 2-8-1901

ASSETS

Cash, balances with other banks, in-

cluding- reserve balances, and cash

items tn process of collection . $

United States Govt>rnment obliga-

tions, direct and guaranteed

Ohli~ations of States and political

subdivisions

. .... . .

Other bonds, notts, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ovl:'rdrafts)

Bank premises owned, furniturl:' and fixtures . . . . . . . . . . . . .
Real estate ownl:'d oth~:"r than bank

premises

..

. ..

Investments and other assets indirf"ctly representing bank premise~

(lr other real estate .

Customers' liability to this bank on

acceptances outstanding

Otht>r Assets

Total A"ets

591,309.98 521,474.35 142,996.53 199,937.50
None 817,366.98
14,201.00 2.00
None None None 2,287,288.34

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Govt"rnment

Deposits of States and political sub-

divisions

Dcposi ts of banks

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

949,735.78 669,472.74
4,162.66
399,064.67 None
25,107.50 None
None 32,472.08 60,000.00 20,000.00 106,848.30 20,424.61

Total Liabilities

2,287,288.34

STATEMENT Showing condition at the close of business December 31, 1963, of

THE FARMERS BANK Palmetto, Ga.

As called for by the Superintendent of Banks

B. HUDSON,

B. HUDSON,

President. Date of Charter: 6-29-1918

Cashier. Began Business: 7-10-1918

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balanct"s, and cash

items 1n process of collection ... $

United States Government obliga-

tions. direct and guaranteed

Obli~a!i?'!s of States and political

subdiVISIOnS

. . . . . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

. .. . .

.

Bank premises owned, furniture and

fixtures . . . . . . . . ....

Real estate owned other than bank

premises . . . . . . . .

Investments and other~ assets indi-

rectly representing bank premises

or other real estate . .

Customers' liability to this bank on

.,acceptances outstanding

Other Assets.

Total Assets

193,590.37 339,000.00
17,921.95 194,87 5.00
None 92,702.19
2.00 Non>
None None Non> 838,091.5!

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub
divisions Deposits of banks Other deposits {certified and officen;'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus Undivided profits Rrscrvc-s

497,633.71 196,749.00
3,559.62
26,958.25 None
1,853.83 None
None None 25,000.00 10,000.00 11,337.10 65,000.00

Total Liabilities

838,091.51

110

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
THE PATTERSON BANK Patterson, Ga.

As called for by the Superintendent of Banks

FOSTER O'QUINN,

LEOLA GRINER,

President.

Cashier.

Date of Charter: 6-19-1907

Began Business: 6-19-1907

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . . $

United States Government obliga-

tions, direct and guaranteed ..

Obli~ations of States and political

subdivisions

.. .. . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank pnmiscs owned, furniture and

fixtures

Real estate owned other than bank

premises

Investments and other assets indi-

rectly representing bank premisPs

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

237,473.60 295,779.65
None None None 172,223.00 2,597.40 None
None None None 70R,073.65

LIABILITIES

Demand deposits

~

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

DC'posits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances ('Xccuted by or for ac-

count of this bank and outstand-

ing

Othf"r liabilities

Capital

Surplus

Undivided profits

Reserves

383,382.62 101,467.31
635.00
150,000.00 None
3,813.31 None
None None 25,000.00 35,000.00 8,775.41 None

Total Liabilitif's

708,073.65

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS EXCHANGE BANK OF PEARSON Pearson. Ga.

As called for by the Superintendent of Banks

J. L SUMMERLIN,

ALLEN GRIFFIS,

President.

Cashier.

Date of Charter: 1-19-1943

Began Business: 5-12-1945

====================~~====~~

ASSETS

Cash, balancr-s with other banks. in-

cluding rPservc balanct>s, and cash

items in process of coll<'ction . $

United StatPs Government obliga-

tions, direct and guaranteed

Obli~ation<; of States and political

subdivisions

Oth<'r bonds. notPs, and debenturPs

Corporate stocks (including stock of

Federal Resprve Bank)

L~'lns and discounts (including ovPr-

drafts)

Bank premises owned, furniture and

fixtur<'s

.

Rt'al estate O\vned other than bank

premises

.

. ..

. ...

Investments and other aSsets indi-

rectly rPpresenting bank prPmisC's

or other rPal estate

Customers' liability to this bank on

acceptances outstanding

Othtr Assets

561>,330.91 R39. 763.50
None None None 501,593.74 5,0 98.()!1 None
None None None

LIABILITIES

Demand dt'posits

Time deposits

Deposits of U. S. Governm('nt

Deposits of States and political sub-

divisions

D('posits of banks .

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances t'Xecutrd by or for ac-

count of this hank and <nttstand-

ing

Otht'r liabilities

Capital

Surplus

Undivided profits

RescrV('S

795,789.83 661,557.43
40,956.22
163.761.02 104,258.3g
777.22 None
None 4,712.22 50,000.00 50,000.00 29,974.52 10,000.0 II

Total Assets

'$ 1,911.786.84

Total Liabilities

1,911.786.84

FORTY-FOURTH ANNUAL REPORT

111

STATEMENT Showing condition at the close of business December 31, 1963, of
FARMERS BANK OF PELHAM Pelham, ~a.

As called for by the Superintendent of Banks

W. THERON SAULS, President.
Date of Charter: 8-25-1902

JOHN L. CARR, JR. Cashier.
Began Busi.ness: 9-1-1902

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balanccs, and cash

i terns tn process of collection . $

Cnited States Government obliga-

tions, direct and guaranteed . . Obli~ations of Statt>s and political

subdivisions

. ..... . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ov'r-

drafts)

..

.

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

premises

.. .

...

Investments and other assets indi-

rt>ctly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

58 5, 3 14. 8 3 1,496,396.14
83,256.49 199,826.40
None 1,832,652.45
32,072.15 None
None None 28,499.91 4,25S,01S.37

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub~

divisions . .

.

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

OthPr liabilities

Capital

Surplus

Undivided profits

Reserves

1,S43,95L17 1,239,799.01
54,923.07
578,964.11 11,020.50
27,095.01 None
None 7\,132.97 150,000.00 150,000.00 128,132.53
None

Total Liabilitirs

4,258,018.37

STATEMENT Showing condition at the close of business December 31, 1963, of

PELHAM BANKING COMPANY Pelham, Ga.

As called for by the Superintendent of Banks

J. C. BRIM, President.
Date of Charter: 12-4-1936

WALTON C. BERNIER, Cashier.
Began Business: 12-8-1936

ASSETS

cash, balances with other banks. in-

cluding reserve balances, and cash

items in procrss of collection

$

United Statf's Government obliga-

tions. direct and guaranteed

Obli({ations of States and political

subdivisions

. ..

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loan~ and discounts (including over-

drafts)

Bank prrmisl's owned, furniture and

fixtures

..

. ...

Real estate owned other than bank

premises

..

....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

.$

493,667.16 969,858.03 161,407.75 150,000.00
None 1,316,283.01
2.00 None
25,000.00 None 11.46
3,116,229.41

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (certifird and officers'

checks, etc.)

Bills payable

Acceptance5 executed by or for ac-

count of this bank and outstanrl-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,599,284.'8 8:l7,057.03 52,830.52
31S,9!1.62 None
13,757.23 None
None 150.95 100,000.00 150,000.00 34,227.5 r; 10,000.00

Total Liabilities

3,116,229.41

112 _ _ _ _ _ _ _ _ _D_EPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31,_ 1963, of

THE PEMBROKE STATE BANK Pembroke, GL

As called for by the Superintendent of Banks

C. L. GRUVEB, President.
Date of Charter: 12-29-193';

E. B. MILES, Cashier.
Began Business: 2-11-1938

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection . $

United States Government obliga-

tions, direct and guaranteed Obli'l'a~i<;>J!S of States and political

SUbdlVISIOns .. . . . . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

. . . .. .....

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . .

Real estate .owned other than bank

premises

Investments and other assets indi-

rectly representing bank prf'mises

or other rf'al estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

376,17 4.62 649,402.00
6,500.00 None None
729,183.52 9,250.00 None
None None 21,724.98

Total Assets

1. 792,235.12

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits.

Reservf'S

828,785.45 551,735.90
45,458.61
166,435.45 None
15,195.34 None
None 34.111.67 75,000.00 60,000.00 15,512.70
None

Total Liabilities

.$ 1,792,235.12

STATEMENT Showing condition at the close of business December 31, 1963, of
PERRY LOAN & SAVINGS BANK Perry, Ga.

As called for by the Superintendent of Banks

C. E. ANDREW,

M. M. DEAN,

President.
nate of Charter: 8-20-1889

Cashier. Began Business: 1889

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection .

United States Government obliga-

tions, direct and guaranteed . Oblio;a~i<;>J!S of States and political

subdiVISIOnS

. . . . . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

..

Bank premises owned, furniture and

fixtures . . . . . . . . . ...... .

Real estate owned oth{'r than bank

premises . . . . . . . . .. ..

Investments and other assets indi-

rectly representing bank premist"'s

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

_$

927,884.62 1,426,916.72
407,927.43 200,000.00
None 2,137,329.89
60,000.00 1.00
None None 6,797.02 5,166,856.68

LIABILITIES

Demand dt"'posits

Time deposits . . . . . .

Deposits of U. S. Government Del?o~i~s of States and political sub-

divtswns . . . . . .

.

Deposits of hanks .

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

.

..

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus ..

Undivided profits

Reserves

2,467,746.65 883,074.54 164,080.14
988,517.71 None
11,209.58 None
None None 100,000.00 200,000.00 352,228.06 None

Total Liabilities

5,166,856.68

FORTY-FOURTH ANNUAL REPORT

113

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF PINEHURST Pinehurst, Ga.

As called for by the Superintendent of Banks

HOWELL PORTER, President.
Date of Charter: 1-1-1908

ALTON P. DRAUGHON, Cashier.
Began Business: 1904

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items 10 process of collection - $

United Statt>s Government obliga-

tions, direct and guaranteed

Obli!l'ations of States and political

subdivisions

.. .. ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .

Lo..'lns and discounts (including over-

drafts)

.

.

.

Bank premises owned, furniture and

fixtures . . . .

... .....

Real estate owned other than bank

tlremises

Investments and other assets indi-

rectly representing bank premises

or other real estate

.. .

Customers' liability to this bank on

acceptances outstanding

Other Assets

332,402.30 209,683.72
None 302,500.00
None 286,375.94
12,114.43 None
None None None

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government DeP.o~i~s of States and political sub-

div1s1ons . . . . ...

Deposits of banks

Other deposits (certified and officen'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing ...

Other liabilities

Capital

Surplus

Undivided

Reserves

Total Assets

1,143,076.39

Total Liabilities

- - - - - - - - ------------~---------

STATEMENT

Showing condition at the close of business December 31, 1963, of

FARMEltS AND MERCHANTS BANK Pine Mountain, Ga.

716,443.55 187,198.05
9,986.48
87,352.89 10,000.00
21.956.02 None
None 8,111.46 25,000.00 25,000.00 52,027.94
None
1,143,076.39

As called for by the Superintendent of Banks

ROY ASKEW, President.
Date of Charter: 3-22-1909

ROY ASKEW, Cashier.
Began Business: 4-19-1909

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli!l'ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

F etleral Reserve Bank) . .

Loans and discounts (including over-

drafts)

. . . . . . ..

Bank premises owned, furniture and

fixtures ................... .

Real estate owned other than bank

premises

. . . . . ....

Investments and other assets indi-

rectly representing bank premises

or other rt"al t'Statc

CUstomers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

970,481.02 528.753.51 357,694.82 350,000.00
None 917,576.81
4,402.00 1,500.00
None None None 3,130,408.16

LIABILITIES

Demand deposits Time deposits Deposits of U. S. Government DeJio~i~s of States and political sub-

'ne~~~i~~0~{ b~nks.

Other deposits (certified and officer;'

checks, etc.)
Bills payable . Acceptances executed by or for ac-
count of this bank and outstand-

ing

..

Other liabilities

Capital Surplus Undivided profits.

Reserves

1,333,262.62 989,173.69 5,785.81
481,234.97 None
11,547.06 None
None 318.00 100,000.00 100,000.00 109,086.01
None

Total Liabilities

$ 3,130,408.16

114

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

PITTS BANKING COMPANY Pitts, Ga.
As called for by the Superintendent of Banks

A. C. SHELL, President.
Date of Charter: 6-2-1906

EDWIN W. SHEIL, Cashier.
Began Business: 6-1906

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balanct>s, and cash

items m process of collection . $

United States Government obliga-

tions. direct and guaranteed ..

Obli~ations of States and political

subdivisions

. . . . . . . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . .

Loans and discounts (including over~

drafts)

....

.

Bank pnmises owned, furniture and

fixtures . . . . . . . . . ...

Real estate owned other than bank

premises . . . . . . . . . .

Investments and other assets indi~

rectly representing bank premises

or other real estate

Customt'rs' liability to this bank on

acceptances outstanding .

Other Assets

Total Assets.

304,883.30 276,800.00
None 155,000.00
None 177,829.89
1,001.00 None
None None None 915,514.19

LIABILITIES

Demand deposits

.$

Time deposits

Deposits of U. S. Governml'nt

Deposits of States and political sub

divisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

456,580.71 275,686.81
4, 716.98
91,834.60 None
2,173.87 None
None None 25,000.00 25,000.00 15,000.00 19,521.22

Total Liabilities

915,514.19

STATEMENT Showing condition at the close of business December 31, 1963, of
THE BANK OF QUITMAN Quitman, Ga.

As called for by the Superintendent of Banks

JESSE F. JONES,

A. C. LOWE,

President. Date of Charter: 12-26-1888

Cashier. Ber;ran Business: 12-31-1888

ASSETS Cash, balanct's with other banks, in~

eluding reserve balances, and cash

items in process of collection . $ United States Government obliga~ 1

tions, direct and guaranteed .. Obli~ations of States and political

subdivisions . . . . . . . . . . . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank). . . . .

Loans and discounts (including over~

drafts)

. ...

... . .

Bank premises owned, furniture and

fixtures ................ .

Real estate owned othrr than bank

premises . . . . .

....

Investments and other assets indi

rcctly representing bank premises

or other rt'al estatc

..

Customers' liability to this bank on

acceptances outstanding .

Other Assets

Total Assets

o$

806,376.68 1.622,173.95
51,231.20 25,000.00
None 1,215,353.63
24,994.56 None
None None 38,190.63 3,783,320.65

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Governmt'nt

Deposits of States and political sub

divisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable .

Acceptances executed by or for ac

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,830,125.94 906,940.11 34,528.75
534,030.99 18,613.73
14,495.97 None
None 21,156.71 100,000.00 100,000.00 85,237.82 138,190.63

Total Liabilities

$' 3,783,320.65

FORTY-FOURTH ANNUAL REPORT

115

STATEMENT Showing condition at the close of business December 31, 1963, of
THE TATTNALL BANK Reidsville, Ga.

As called for by the Superintendent of Banks

RALPH HUCKABEE,

E. B. REGISTER,

Pr::!sident.

Cashier.

Date of Charter: 9-14-1900

Began Business: 10-22-1900

_ ---~~=-=-~~=~"'--"'-=-------~~ c c c _ - _ - _ - _ - _ - - - - = - - - - - -

ASSETS

Cash, balanc('s with other banks, in~

eluding reserve balances, and cash

items in process of collection

$

United States Government obliga-

tions, direct and guaranteed Obli~ations of StatPs and political

subdivisions

. ..

Other bonds, notes, and debentures

CorpnratC' stocks (including stock of

Fecleral Reserve Bank)

Loans and discounts (including over-

drafts)

..

.

.

Bank prrmiscs o\\ned, furniture and

fixtures . . . . . . . . . . . . . . . .

Rf'al estate owned other than bank

premises

Investments and other assets indi-

rectly repres('nting bank premises

or other real estate

Customers' liability to this bank on

acct:>ptances outstanding

Other Assets

335,28 t.41 1,071,411.5 0
218,784.3~
214,878.13 None
1,188,933.28 795.84
8,000.00
None None 3,225.72

LIABILITIES

Demand deposits

Time deposits . .

.

Dt'posits of U. S. Govt>rnment

Deposits of States and political sub~

divisions

Deposits of banks . . . ..

Other deposits (ct'rtified and officers'

checks, etc.)

Bills payable .

.

Acceptances executed by or for ac-

count of this bank and outstand-

ing . . .

Other liabilities

Capital

Surplus.

Undivided profits

Rcst'rvt's

1,476,863.45 855,656.82 39,103.42
301,492.56 53,034.45
11,609.91 None
None None 100,000.00 150.000.00 50,552.65 None

Total Assets

3,041,313.26

Total Liabilitit's

3,041,313.26

STATEMENT Showing condition at the close of business December 31, 1963, of

THE RENTZ BANKING COMPANY Rentz, Ga.

As called for by the Superintendent of Banks

0. D. BARRON, President.
Date of Charter: 5-2-1914

MRS. 0. D. BARRON,
Cashier. Began Business: 5-5-1914

ASSETS

cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

United Statt's Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. .... .

Other bonds. note-s, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Lo..'lns and discounts (including over-

drafts)

.

.

.

Bank premises owned, furniture and

R/!it~~:;te own~d oth~r tha~ bank

premises ................. .

Investments and othf'r assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Otht'r Assets

Total Assets

.$

223,794.14 282,671.87
None None None 635,519.19 1,842.24 3,505.00
None None 2,001.06 1,149,333.50

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political 5Ub-

divisions

Deposits of banks .

. ..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus ..

Undivided profits.

Rt'scrves

554.221.12 367,247.31
1,854.25
100,475.02 None
None None
None 10,000.00 50,000.00 50,000.00 15,531>.80
None

Total Liabilities

1,149,333.50

116

DEPARTMENT OF BANKING ------------------

STATEMENT Showing condition at the close of business December 31, 1963, of

THE CITIZENS STATE BANK Reynolds, Ga.

As called for by the Superintendent of Banks

W. H. VAN LANDINGHAM, President.
Date of Charter: 9-8-1922

EARL A. SMITH, Cashier.
Began Business: 9-8-1922

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items 1n process of collection . $

United States Government obliga-

tions, direct and guaranteed . . . Obli~a!i?~S of States and political

subdtVlSIODS . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . .

Loans and discounts (including over-

drafts)

... ...

.

Bank prrmiscs owned, furniture and

fixtures ............ .

Real estate owned other than bank

premises

.. .. .

. ...

Investments and other assets indi-

rectly representing bank premises

or other real estate .

Customers' liability to this bank on

acceptances outstanding

Other Assets.

499,176.78 395,742.97 102,378.71 129,862.50
None 1,582,573.84
11,087.64 None
None None 4,081.08

Total Assets

$ 2,724,903.52

LIABILITIES

Demand deposits

$"

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . . . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

1,036,815.00 921,925.38 1.555.39
330,206.39 129,070.25
16,735.15 None
None 4,500.00 7 5,000.00 75,000.00 75,000.00 59,095.96

Total Liabilities

2,724,903.52

STATEMENT Showing condition at the close of business December 31, 1963, of
WILLIAMS BANKING COMPANY Rhine, GL

As called for by the Superintendent of Banks

R. J. STUDSTILL,

MARJORIE H. STUCKEY,

President.

Cashier.

Date of Charter: 8-4-1947

Began Business: 10-1-1947

ASSETS

Cash, balances with other banks, in-

cludin~ resrrve balances, and cash

items 1n process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. .... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loons and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.. .

.....

Real estate owned other than bank

premises

. . . . . . ....

Investments and other assets indi-

rectly representing bank premises

or other rt>al estate

Customers' liability to this bank. on

acceptances outstanding

Other Assets

Total Assets

98,105.14 559,843.87
None None None 176,397.58 1,966.13 None
None None None 836,312.72

LIABILITIES Demand deposits Time deposits . . . . . Deposits of U. S. Government
DJi~i!f~n~f S~ate_s ~nd. po~i.ti~~l sub-

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable

... .

Acceptances executed by or for ac-

count of this hank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

322,803.7 4 306,848.86
3,672.06
71,197.35 None
765.95 None
None None 25,000.00 50,000.00 56,024.76 None

Total Liabilities

836,312.72

FORTY-FOURTH ANNUAL REPORT

117

STATEMENT Showing condition at the close of business December 31, 1963, of
RICHLAND BANKING COMPANY Richland, Ga.

As called for by the Superintendent of Banks

E. W. PARISH, President.
Date of Charter: 10-13-1927

REBECCA PARISH, Cashier.
Began Business: 10-15-1927

ASSETS

Cash, balances with other banks, in~

cludin~ reserve balances, and cash

items JD process of collection . $

United States Government obliga-

tions, direct and guaranteed ..

Obli.~ations of States and political

subdivisions . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

. . . . .....

Bank premises owned, furniture and

fixtures . . . . . . . . . . . .. ... .

Real estate O\vned other than bank

premises

... .

. . ...

Investments and othrr assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~nk. on

acceptances outstanding

Other Assets

Total As<ets

$

173,388.77 675,841.09
22,891.58 309,875.00
None 155,928.38
13,172.00 None
None None None 1,351,096.82

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government
Ddi~i!~~n~f ~~ates a~d po~iti~al sub
Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus .. Undivided profits Reservrs

750,962.17 310,725.70
27,239.10
98,146.03 31,762.21
2,237.91 None
None 23.70 40,000.00 60,000.00 30,000.00 None

Total Liabilities

$ 1,351,096.82

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF RINGGOLD Ringgold, Ga.

As called for by the Superintendent of Banks

J. H. TRIMMIER, President.
Date of Charter: 8-26-1904

AMALEE C. YATES, Cashier.
Began Business: 8-1904

ASSETS

Cash, balances with other banks, in-

eluding reserve balances, and cash

items in process of collection . .$

United States Government obliga-

tions. direct and guaranteed . . . . Obli~a~i'?'"!s of States and political

subdiVISIOnS . . . . . . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . . .

Loans and discounts (including over-

drafts)

..

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . .

Real estate owned other than bank

premises . . . . . . . . . . . . .

Investments and other assets indi-

rectly representing batik premises

or other real estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets

Total Assets.

$

595,710.02 1,169,005.38
136,137.67 504,059.00
None 809,023.47
13,566.46 1. 0 0
None None 768.35 3,228.271.35

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government DeP,o~i~s of States and political sub-

divisiOns . .

....

Deposits of banks

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,462,596.19 928.648.66 91,7 45.32
477,810.67 None
9,366.33 None
None 1,258.50 100,000.00 100,000.00 56,845.68
None

Total Liabilities

$ 3,228.271.3G

118

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CRAWFORD COUNTY BANK Roberta, Ga.

As called for by the Superintendent of Banks

C. R. AVERA, President.
Date of Charter: 1-7-1901

J. E. CLARK, Cashier.
Began Business: 1-8-1901

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, notes, and debt>ntures

Corporate stocks (including stock of

Fec.leral Reserve Bank) . . .

Loans and discounts (including over-

drafts)

.

.

Bank premises owned, furniture and

fixtures

. ... ... ... . . .

Real estate owned other than bank

premises . .

.

. .....

Investments and oth("r assets indi-

rectly representing bank premises

or other nal estate

Customers' liability to this bank ()fl

acceptances outstanding

Other Assets

Total A"ets

256,040.95 332,734.00
22,926.26 269,450.00
None 284,057.44
5,516.85 None
None None None 1,170,725.50

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks .

.

Other deposits (cf"rtifird and officen'

checks, etc.)

Bills payable

Acct>ptanccs executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reservf's

535,684.67 377,199.06
None
136,136.11 None
25,5R6.54 None
None 5,000.00 50,000.00 40,000.00 1,119.12
None

Total Liabilities

1,170,725.50

STATEMENT Showing condition at the close of business December 31, 1963, of

ROCHELLE STATE BANK Rochelle, Ga.

As called for by the Superintendent of Banks

W. K. HOLT, SR., President.
Date of Charter: 7-8-1947

MATT W. ESTES, Cashier.
Began Business: 8-1-1947

ASSETS

Cash. balanc's with other banks. in-

cluding r'serve balances, and cash

items in process of collection . $

United States Government obliga-

tions. direct and guaranteed Obli~ation<; of States and political

subdivisions

..

Other bonds, notes, and debenturf's

Corporate stocks (including stock of

Federal Reserve Bank) Loans and di~counts (including over-

drafts)

Bank premises owned, furniture and

fixturC'S

.. .

~

Real estate owned other than hank

premises

..

...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acCC"ptances outstanding

Othtr Assets

Total Assets

5S2,734.22 235,053.13
26,658.91 122,128.65
None 46!3,773.17
3,971.15 None
!i 7:l.20 None None
1,437,992.43

LJABILJTJES Demand deposits Time deposits Deposits of U. S. Govf'rnment Deposits of States and political sub-
divisions D!'posits of banks Other deposits (certified and offietrs'
checks, etc.) Bills payable Acceptances ('Xecutcd by or for ac--
count of this bank and outstand-ing Other liabilities Capital Surplus U ndividcd profits Reserves

765,915.74 374,761.90
34,576.29
136,447.35 None
1,907.54 None
None 6,569.10 50,000.00 30,000.00 33,814.51 4,000.00

Total Liabilitif's

1,437,992.43

FORTY-FOURTH ANNUAL REPORT

119

STATEMENT Showing condition at the close of business December 31, 1963, of

THE ROCKMART BANK Rockmart, Ga.

As called for by the Superintendent of Banks

M.A. PERRY,

JAMES E. WHITE

President.

Cashier.

Date of Charter: 10-30-1900

Began Business: 1900

----

--

-------- - - - - - ------- - ----------

ASSETS

Cash, balances with other banks, in~.ludin9 resnvc balances, a!ld cash .

Items In proct>ss of collcctwn . !1)

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, nots, and dcbentuns

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. ..

Real estate owned other than bank

prt'misf'S

..

...

Investments and other assets indi-

679,379.16 1,508,461.49
50X,532.21i 1R0,045.Ro
None 2,o20.031.0ll
fi:l,525.K1 None

LIABILITIES

DPmand deposits

Time deposits

Deposits of U. S. GovcrnmPnt

Deposits of States and political sub-

divisions

Deposits of banks

. ..

Other deposits (certified and officers'

checks, etc.)

Bills payable

AcccptancPS cxerutPd by or for ac-

count of this bank and outstand-

ing

Otht>r liabilities

Capital

Surplus

Undivided profits

Reserves

2.017,270.69 2,697,612.73
50,366.1:1
28~.7fl!L35
None
7 ,938.6G None
None 32,002.96 100,000.00 100,000.00 143,438.81 74.473.38

rectly representing bank premisPs

or other real estate

None

Customers' liability to this bank un

acceptances outstanding

None

Other Assets.

1.0 21.18

Total Assets

5,461,896.70

Total Liabilities

5,461.896.70

STATEMENT Showing condition at the close of business December 31, 1963, of
THE ROME BANK AND TRUST COMPANY Rome, Ga.

As called for by the Superintendent of Banks

J. B. DODD, JR., President.
Date of Charter: 4-5-1945

WALLACE C. REED, Cashier.
Began Business: 10-1-1945

ASSETS

Cash, balances with other ba'nks, in-

cluding reserve balancPs, and cash

itPms in process of collection

Unite.d States Government obliga-

tions, direct and guarantPed

Obligations of States and political

subdivisions

.. .

Other bonds, notPs, and dcbenturps

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prl.'miscs owned, furniture and

fixtures

Real estate own<'d other than bank

premises

Investments and other assets indi-

rC"ctly representing bank premises

or other real csta te

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

1.066,942.41 3,571.931.07 1,279,R24.H:l
59,875.00 None
3.(;43,972.67 12,270.03 NonP
210,000.00 None
40,014.Ho 9,884,830.86

LIABILITIES
Demand dPposi ts Time deposits Deposits of U. S. GovC"rnmC"nt DC"posits of States and political sub-
divisions DC"posits of hanks Other deposits {certifiC"d and officers'
checks, etc.)
Bills payable AccPptancC"s C"xccutcd hy or for <-~.c
count of this bank and outstand-
ing OthPr liabilities
Capital Surplus Undivided profits
Reserve<;

3,770,584.00 4,054.788.99
240,993.81
871,733.31 43.264.76
23.404.78 None
None None 352,000.00 200,000.00 2,995.G5 :J2o,065.66

Total Liabilitif<;

\!,884,830.86

120

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of ROSSVILLE BANK

Rossville, Ga.

As called for by the Superintendent of Banks

J. J. ATKINS,

GORDON L. NICHOLS,

President.

Cashier.

Date of Charter: 7-1-1963

Began Business: 12-13-1963

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items 1n process of collection . $

United States Government obliga-

tions, direct and guaranteed .

Oblig-ations of States and political

subdivisions . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . . . ..

Loans and discounts (including over-

drafts)

..

.

Bank premiSes owned, furniture and

fixtures

. . . . . . . . ....

Real estate owned other than bank

premises ................. .

Investments and other assets indi-

rectly representing bank premises

or other real esta tc . . .

Customers' liability to this bank on

acceptances outstanding

Other Assets . . . . .

Total Assets

$

481,422.64 123,873.75
None None None 7,238.25 None None
None None 1,363.98 613,898.62

LIABILITIES

Demand drposits.

-$

Time deposits .

. ... .

Deposits of U. S. Government .

De~o~i~s of State-s and political t;ub-

diviswns . . . . . . . .

Deposits of banks . .

..

Other deposits {certified and officers'

checks, etc.)

Bills payable

.

Acceptances executrd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

241,236.49 26,862.62 97.50
None None
4,442.55 None
None None 250,000.00 50,000.00 41,259.46 None

Total Liabilities

$ 613,898.62

STATEMENT Showing condition at the close of business December 31, 1963, of

ROSWELL BANK Roswell, Ga.

As called for by the Superintendent of Banks

WALTER A. EAVES,

J. A. MOSTELLER,

President. Date of Charter: 3-1-1901

Cashier. Began Business: 3-1901

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

item' m process of collection . $

United States Government obliga-

tions, direct and guaranteed Obli.~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank) . . .

Loans and discounts (including over-

drafts)

. ...

.. ..

Bank premises owned, furniturC' and

fixtures . . . . . . . . . . . . . . . . .

R('al estate owned otht>r than bank

premises . . . . .

.. .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~nk .on

acceptances outstanding

Other Assets

Total As<ets

966,990.38 1,856,280.55
494,481.88 300,000.00
None 4,876,640.75
45,159.76 None
None None 32,619.96 8,572,173.28

LIABILITIES

Demand deposits

$

Time deposits Deposits of U. S. Gover~n.Hnt

Deposits of States and poht1cal sub-

divisions

Deposits of banks

Other deposits (certified and officers'

checks, etc.)

Bills payable



Acct>ptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided pro!its

Reserves

3,153,221.77 3,499,707.08
162,944.18
486,312.09 317,467.68
83,307.37 None
None 178,946.30 150,000.00 250,000.00
65,266.81 225,000.00

Total Liabilities

8,572,173.28

FORTY-FOURTH ANNUAL REPORT

121

STATEMENT Showing condition at the close of business December 31, 1963, of

TRI-COUNTY BANK OF ROYSTON Royston, Ga.

As called for by the Superintendent of Banks

LAWSON McCONNELL,

JOE E. RIDGWAY,

President.

Cashier.

==D=at=e =of=C=ha=rt=er=: 8=-9=-1=94=1 ========~==~====B~eg~an=B=u=siness: 9-1-1941

ASSETS

Cash, balances with other banks, includin~ reserve balances, and cash

items m process of collection .

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prl'mises owned, furniture and

fixtures

... ... . . ..

Real estate owned other than bank

premises . . . . . .

. ..

Investments and other assets indi-

646,954.99 1,186,042.56
990,551.58 None None
1,419,932.41 15,818.45 None

LIABILITIES

Demand deposits

Time deposits Deposits of U. S. Gov('rnment

Deposits of States and political sub-

divisions

D('posits of banks . . . . . .

Other deposits {certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac

count of this bank and outstand-

ing

.

Other liabilities

Capital

Surplus

Undivided profits

Reserves

1,814,028.14 1,715,992.23
50,302.49
374,874.99 None
85.75 None
None 33,701.23 100,000.00 100,000.00 70,548.91
None

rectly representing bank premises
or other real estate Customers' liability to this bank on
acceptances outstanding Other Assets.

None
None 233.75

Total Assets

$ 4,259,533.74

Total Liabilities

4,259,533.74

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF RUTLEDGE Rutledge, Ga.

As called for by the Superintendent of Banks

J. M. GRIFFIN, President.
Date of Charter: 9-24-1898

C. B. VINING, Cashier.
Began Business: 10-1-1898

ASSETS

Cash, balanc('s with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed Obligations of States and political

subdivisions

. . ..

Other bonds, notes, and debentures

Corporal'" stocks (including stock of

Federal Reserve Bank) .

.

Loans and discounts (including over-

drafts) Bank premises owned, furniture and

fixtures

. . . . . ..

RC'al estate owned other than bank

premises

. . . . . . . . . ....

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

160,185.11 451,706.15
32,031.22 89,937.50
None 751,525.50
1,070.59 None
None None None I ,486,456.07

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governm('nt

Deposits of States and political sub-

divisions

Deposits of banks

..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed hy or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

430,791.29 614,453.33
8,589.45
273,656.57 None
2,475.37 None
None None 25,000.00 7 5,000.00 51,091.66 5,39H.40

Total Liabilities

$ 1,436,456.07

122

DEPARTMENT OF BANKIN._o:G:___

STATEMENT Showing condition at the close of business December 31, 1963, of
SAINT MARYS STATE BANK Saint Marys, Ga.

As called for by the Superintendent of Banks

J. B. MILLER, Presioent.
Date of Charter: 4-12-1955

FLEM J. HALL, Cashier.
Began Business: 8-4-1955

ASSETS

Cash., balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. . . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . ....... .

Real estate owned other than bank

premises . . . . ............ .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

335,318.55 445,432.79
None 89,875.00
None 769,355.41
42,923.93 14,760.78
None None 3,649.49 1,701,315.95

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Govt>rnmcnt

Deposits of States and political sub-

divisions

Deposits of banks .

.

Other deposits (certified and officers'

checks. etc.)

Bills payable

Acceptances t>Xecu tf'd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus .

Undivided profits

Reserves

612,656.84 465,878.73 189,778.32
213,738.74 None
2,536.45 None
None 55,311.36 50,000.00 100,000.00 11,415.51
None

Total Liabilitirs

1,701,315.95

STATEMENT Showing condition at the close of business December 31, 1963, of

ST. SIMONS STATE BANK St. Simou Island, Ga.

As called for by the Superintendent of Banks

E. R. BUFKIN, President.
Date of Charter: 4-24-1960

C. W. LANCE, Cashier.
Began Business: 6-1-1950

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obligations of Statt's and political

subdivisions . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.. .. ... . .

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

... .. .

. ..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank (lfl

acceptances outstanding

Other Assets

Total Assets

408,325.51 383,94G.16
38,012.83 200,000.00
None 1,362,999.06
18,122.85 None
None 1,703.55 2,417,407.86

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Governm<'nt

Deposits of States and political suh-

divisions

Deposits of banks .

..

Other deposits (c('rtified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for a<"-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reser\'es

1,165,390.72 730,606.01 67,798.94
157,757.74 120,894.55
4,254.33 None
None 34,054.96 7 5,000.00 50,000.00
6,850.61 4,800.00

Total Liabilities

2,417,407.86

FORTY-FOURTH ANNUAL REPORT

----~123

STATEMENT

Showing condition at the close of business December 31, 1963, of

THE GEO. D. WARTHEN BANK SanderaTille, Ga.

As called for by the Superintendent of Banks

C. FINDLAY IRWIN, SR.,

JOHN D. EVERETT,

President.

Cashier.

Date of Charter: 3-18-1957

Began Business: 3-18-1957

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

ti

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Feucral Reserve Bank)

Loans and discounts (including over-

drafts)

.. .

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . .

Real estate owned other than bank

premises

.

. . ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

1,131,002.fl7 3,117,211.15
486,986.91 55,100.00 None
2,216,805.22 147,374.39 None
None None Nonp 7,154,480.64

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governm<'nt

Deposits of States and political sub-

divisiOns

Deposits of banks

.

Other deposits (certified and officns'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing .

Other liabilities

Capital

Surplus

Undivided profits

Rf'serves

4,377,901.87 1,334.622.15
130,220.16
G87,ROI.06 None
20,978.03 None
None None 200,000.00 200,000.00 202,9ii7.37 None

Total Liabilities

7,154,480.64

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF SARDIS Sardis, Ga.

As called for by the Superintendent of Banks

W. H. SMITH,

L. F. BARGERON,

President.

Cashier.

Date of Charter: 4-27-1945

Began Business: 7-2-1945

=========================================

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in prOCf'SS of collection . $

Cnited States Government obliga-

tions, direct and guaranteed .

Obligations of States and political

subdivisions

. . . . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

FeJcral Reserve Bank)

Loans and discounts (including over-

drafts)

..

Bank pr<'mises owned, furniture and

fixtures

. . . ..... .

Real estate owned other than bank

prt'mises

. ..

. ..

Investments and other assets indi-

nctly representing bank premises

or othf'r nal estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

232,276.13 217,713,51
10,017.5R 50,000.00
None 330,164.48
3,638.36 None
None None None

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-

274,041.4[, 276,356.26
1,613.31
186,825.5R 5,298.40
2,013.61 None
None 4,767.26 25,000.00 45,000.00 22,894.19
None

Total Assets

843,810.06

Total Liabilities

843,810.06

---~------------------------

124

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1963, of

ATLANTIC SAVINGS AND TRUST COMPANY Sannnah, Ga.

As called for by the Superintendent of Banks

EDGAR R. TERRY, President.
Date of Charter: 11-6-1933

JAS. J. JOHNSON, Cashier.
Began Business: 11-6-1933

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection . $

United States Government obliga-

tions. direct and ~uaranteed Obli~ations of States and political

subdivisions

.

.... ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over-

drafts)

Bank premises owned, furniture .J.nd

fixtures . . . . . . . . .

Real estate owned other than bank

premises

.. ..

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

$

142,550.85 1,134,820.33
112,5 58.9 5 106,000.00
None 2,549,778.50
72,365.60 1. 0 0
None None 1,973.72 4,120,048.95

LIABILITIES

Demand deposits .

Time deposits .

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (certified and officrrs'

checks, etc.) .

..

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilitit's

Capital

Surplus .

Undivided profits

Reserves

None 3,064,894.64
None
330,000.00 10,000.00
6,025.49 None
None 2,630.70 100,000.00 400.000.00 206,498.12
None

Total Liabilities

4,120,048.95

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CARVER STATE BANK Savannah, Ga.

As called for by the Superintendent of Banks

L. D. PERRY, President.

C. BERNARD NICHOLS, Cashier.

Date of Charter: 4-29-1947

Began Business: 6-4-1947

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United Statt:"s Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . .

.

Loans and discounts (including over-

drafts)

.

Bank premises owned, furniture and

fixtures . . . . . . . ..

Real estate owned other than bank

premises . . . . . . . . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

287,73&.40 409,713.01
35,739.37 70,000.00
None 796,093.43
44,562.85 None None
None 57.67 1.643,904.73

LIABILITIES

Demand deposits

$

Tiine deposits

.

Deposits of U. S. Government

Deposits of States and political sub-

divisions . . . .

.

Deposits of banks . .

Other deposits (certified and oHicers'

checks, etc.)

Bills payable

Acceptances executf'd by or for ac

count of this bank and outstand

ing

Other liabilities

Capital

Surplus .

Undivided

Reserves

156,315.62 1,048,077.26
None
138,074.88 22,000.00
8,756.40 None
None 10,351.65 150.000.00 55,720.00 38,425.25 16,183.67

Total Liabilities

1.643,904.73

FORTY-FOURTH ANNUAL REPORT

125

STATEMENT Showing condition at the close of business December 31, 1963, of
CHATHAM SAVINGS BANK Savannah, Ga.

As called for by the Superintendent of Banks

ELTON W. CREECH, President.
Date of Charter: 8-11-1953

GILBERT G. WOOD, Secy. & Treas.
Began Business: 8-11-1953

ASSETS

Cacslhu'dbian~lanrecseesrvweitbhaloatnhceers,baannkds,caisnh-

items 1n process of collection . $

Vnited States Government obliga-

tions. direct and guaranteed . . Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

Bank prf"miscs owned, furniture and

fixtures

.

..

..

Real estate owned other than bank

premises . . . .

..

Investments and other assets indi-

rectly representing bank prl'mise-s

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

260,645.03 150,000.00 489,429.23
None 1.00
2,662,153.88 2,889.51 1. 0 0
None None 6,096.43 3,571,216.08

LIABILITIES
Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political :mb~
divisions Dcpo~its of banks Other deposits (certified and officers'
checks. etc.) Bills payable Acceptances f'X'Cll tf'd hy or for ac~
count of this bank and outstand~
ing OthC'r liabilities Capital Surplus Undivided profit' Rcscrvcs

204.62 2,703,484.47
844.82
60,664.78 10,000.00
790.20 None
None 15,04".57 300,000.00 300,000.00 180,181.62
None

Total Liabiliti's

$ 3,571,216.08

STATEMENT Showing condition at the close of business December 31, 1963, of
GEORGIA STATE SAVINGS BANK OF SAVANNAH Savannah, Ga.

As called for by the Superintendent of Banks

H. M. DUNN, President.
Date of Charter: 7-29-1909

S. A. BREWTON, Cashier.
Began Business: 8-4-1909

ASSETS

Cash, balances with other banks. in-

cluding resC"rve balances, and cash

items in process of collection. $

Unitt'd Statf's Government obhga-

tions, direct and guarantt'ed . Obli~ations of States and political

subdivisions

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.

...

Real estate owned other than bank

premises . . . .

....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this 'bank on

acceptances outstanding

Other Assets

464,074.81 646,851.5 6 973,365.88
None None 8,080,769.53 117,265.05 24,000.00
None None 6,801.17

Total Assets

10,313,128.00

LIABILITIES

Df:'mand df'posits

Time deposits

.$

Deposits of U. S. Govt'rnment

Deposits of StatC's and political :;;ub-

divisions

Deposits of hanks .

.

Other deposits (certificd and officers'

checks, etc.)

Bills payable

Acceptances t>xecutcd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Rcs('rvcs

None 8,819,219.27
None
277,460.38 55,000.00
16,997.49 None
Non~
75,950.35 325,000.00 450,000.00 233,500.51
60,000.00

Total Liabilities

10,313,128.00

126

_ _D_E_PARTMENT OF BANKIN'-'G=------------

STATEMENT Showing condition at the close of business December 31, 1963, of
INDUSTRIAL SAVINGS BANK OF SAVANNAH Savannah, Ga.

As called for bv the Superintendent of Banks

L. R. WYLLY, JR.,

A. B. GAMMON,

President.

Cashier.

Date of Charter: 5-20-1954

Began Business: 5-20-1954

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items m process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~a!ic~n~s of States and political

subdivisiOns

. .. .... .

Other bonds, notes, and debt>ntures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including O\'er-

drafts)

..

.

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

. . . ..

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets

Total Assets

117,209.46 615,531.26 124,490.20
None None 1,463,595.06 17,288.08 5,302.79
None None 8,351.63 2,351,768.48

LIABILITIES

Demand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of hanks

Other deposits (certified and officrrs'

checks, etc.)

Bills payable

Acceptances executt'd by or for ac~ count of this bank and outstand~

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

310,988.98 1,317,580.54
None
212,659.95 None
8,576.00 None
None 168,564.80 150,000.00 100,000.00
74,870.69 8,527.52

Total Liabilities

2,351.768.48

STATEMENT Showing condition at the close of business December 31, 1963, of

SAVANNAH BANK AND TRUST COMPANY OF SAVANNAH Savannah, Ga.

As called for by the Superintendent of Banks

REUBEN G. CLARK, President.
Date of Charter: 3-4-1869

STANLEY G. GIBSON, JR., Cashier.
Began Business: 7-1-1869

ASSETS Cash, balances with other banks, in-
cluding reserve balances, a~d cash

items in process of collectiOn .

United States Government obliga-

tions, direct and guaranteed . Obli~ati'!~s of States and political

subdiVISIOns .

.... ....

Other bonds notes, and debentures

Corporate st'ocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

. ..

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . .

Rt'al estate owned other than bank

prl:'mises

..

.. ..

Investments and other assets indi-

rPctly representing bank premises

or othrr rral esta tc

Customers' liability to this bank on

accr-ptances outstanding

Other Assets

9,606,213.12 11,424,524.69
4,108,674.63 205,943.95 120,000.00
29,622,012.04 808,551.00 None
None 30,500.00 626,828.64

Total Assets

'$ 56,553,248.07

LIABILITIES

Demand deposits

$ 23,661,281.23

Time deposits

19,617,406.26

Deposits of U. S. Govert~~ent

1,035,317.05

Deposits of States and poht1cal sub-

divisions

2,800,216.72

Deposits of banks

2,548,080.98

Other deposits (ce-rtified and officers'

checks, etc.) Bills payable Acceptances executed by or for ac~

4 7 7,670.59 None

count of this bank and outstand-
ing Other liabilitic~ Capital Surplus Undivided profits Reserves

30,500.00 1,277,140.84 1,500,000.00 2,500,000.00
993,916.39 111,718.01

Total Liabilitie.<;

$ 56,553,248.07

_ _ _ _ _ _ _ _F=---=.O::..:R:..=T~Y:__-:::_F_::_:OURTH ANNUAL REPORT

127

STATEMENT Showing condition at the close of business December 31, 1963, of
FARMERS AND MERCHAN'I'S BANK OF SENOIA Senoia, Ga.

As called for by the Superintendent of Banks

R. W. FREEMAN, President.
IJate of Charter: 3-2-1874

HATTIE S. WHATLEY, Cashier.
Began Business: 1889

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items In process of collection .

Cnitcd States Government obliga-

tions, direct and guaranteed ..

Obli~ations of States and political

subdivisions

.. . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures ........ .

Real estate owned other than bank

premises . . . . . . . . ..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

114,352.52 614,585.98
4,200.00 None None
5~3.451.23
27,329.58 None
None None None 1,353.919.31

LIABILITIES Demand deposits Time deposits
DC'posits of U. S. Government
Deposits of States and politkal subdivisions
Deposits of banks . . .
Other deposits {certifiPd and officcr[o.' checks, etc.)
Bills payable Acceptances Pxecuted by or for ac-
count of this bank and outstanding
Other liabilities Capital Surplus Undivided profits
Reser~ies

541,104.23 628,738.18
9.446.42
G4,812.72 None
2.907.25 None
None 7,732.46 30,000.00 55,000.00 14,178.05
None

Total Liabilitie<
-~ - - - - - - - - - -

1,353,919.31

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF SHARON Sharon, Ga.

As called for by the Superintendent of Banks

ARTHUR D. BROWN, President.
Date of Charter: 8-29-1904

B. R. DARDEN, Cashier.
Began Business: 9-1904

ASSETS

Cash, balances with other banks, in-

cluding resTVe balances, and cash

items in process of collection

$

United Statps Government obliga-

88,954.15

tions, direct and guaranteed

242,000.00

Oblit{ations of States and political

subdivisions

None

Other bonds, notPs, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank)

None

Loans and discounts (including over-

drafts)

47,383.76

Bank prPmises owned, furniture and

fixtures

...

..

301.00

Real estate owned oth'r than bank

premises . . . . .

. .....

None

Investments and other assets indi-

rectly nprcsenting bank premises

or other real estate

None

Customers' liability to this bank on,

acceptances outstanding

None

Other Assets

1.457.79

---

Total Assets

380.096.70

LIABILITIES

Demand deposits

Timt; deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of hanks .

.

Other deposits (certified and officen'

checks, etc.)

Bills payahlc

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Oth('r liabilities

Capital

Surplus

Undivided profits

Reserves

Total Liabilities

50,921.59 65.993.4 7
Non('
231,000.00 None
81.00 None
None None 15,000.00 16,000.00 1.100.64 None
380,096.70

128

DEPARTMENT OF BANKING

-------------------

---------~~-------------------

STATEMENT Showing condition at the close of business December 31, 1963, of.
FIRST STATE BANK Shellman, Ga.

As called for by the Superintendent of Banks

J. W. WALKER,

J. W. CURRY,

President.

Cashier.

Date of Charter: 12-31-1958

Began Business: 1-2-1959

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items tn process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. . .... .. .

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

Bank premises owned, furniture and

fixtures . . . . . . .

.

Real estate owned other than bank

premises

.. . .

.

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

292.759.32 517,002.50
5,000.00 25,156.25
None 1,048,624.43
4,876.19 None
None None 1,356.89 1,894,775.58

LIABILITIES Dt'mand deposits Time deposi1s Deposits of U. S. Government DPposits of States and political :;ub~
divisions Depo3its of banks Other deposits (ccrtifiPd and officers'
checks, etc.) Bills payable Acceptance's Px:ccuted by or for ac
count of this hank and outstand-
ing Other liabilities
Capital Surplus Undivided profits R('S('f\'('S

1,294,438.54 226,542.85 15,807.81
121,919.82 None
29,820.70 None
None 10,500.00 50,000.00 7 5,000.00 70,7 45.86
None

Total Liabilitil's

1,894,775.58

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF SMYRNA Smyrna, Ga.

As called for by the Superintendent of Banks

HARRY L. HOLLIDAY, President.
Date of Charter: 4-4-1946

NORMAN W. MILES, Cashier.
Began Business: 8-5-1946

ASSETS

Cash, balances \\rith other banks, in

eluding reserve balanccs, and cash

items in process of collection

United States Government obliga

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over

drafts)

Bank premisPs owned, furniture and

fixtures

.

..

Real estate owned other than bank

premises

.. ..... .

. ..

Investments and other assets indi rectly representing bank premise~

or other real estate

Customers' liability to this bank on

acceptances outstanding

Othrr Assets

Total Assets

1,473,477.30 2,089,211.73 1,052,313.56
624,937.50 None
3,459,992.24 86,387.66 None
65,312.50 None
13,059.01 8,864,691.50

LIABILITIES

Ormand dt:'posits

.$

Time deposits .

Deposits of U. S. Govrrnment

Deposits of States and political suh

divisions .

.

Drposits of banks .

..

Other deposits (certifi('d and officers'

checks, etc.)

Bills payable .

Acceptancf"S executrd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Rrserves

4,440,325.12 2,520,103.12
106,860.53
1,029,229.05 None
8,736.42 None
None 163,341.04 275,000.00 175,000.00 125,250.07
20,846.15

Total Liabilities

8,864,691.50

_ _ _ _ _ __:F:_O::_:R::_:_T=-Y=---=-F:__:cOUB:'f_H_A_N_N_U_A_L_ REP_O_R_T_ _ _ _ - - - 129

STATEMENT Showing condition at the close of business December 31, 1963, of
SOCIAL CIRCLE BANK Soeial Circle, Ga.

As r.alled for by the Superintendent of -Banks

J. WALTER THOMAS,

MARY S. CHANDLER,

President.

Cashier.

Date of Charter: 12-31-1923

Began Business: 3-8-1924

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed .

Obli~ations of States and political

subdivisions . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fecleral Reserve Bank)

Loans and discounts (including over-

drafts)

.. .

Bank pnmises ownt"d, furnitur' and

fixtures

. ... .. ....

.

Real estate own('d other than bank

premises . . . . .

..

Investments and other asst'ts indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank nn

accf'ptances outstanding

Oth'r Assets

Total Assets

252,713.89 651,094.21
19,000.00 50,000.00
None 906,409.54
21,157.68 None
None None 7,500.10 1,907,875.42

LIABILITIES Demand deposits Time deposits . Deposits of U. S. Governmrnt Deposits of States and political sub-
divisions Deposits of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilitic.
Capital Surplus Undivided profits Rrservcs

697,910.96 496,556.97
19,467.08
356,733.35 132,266.50
8,268.31 None
None 33,353-63 50,000.00 50,000.00 63,318-62
None

Total Liabilities

1,907,875.42

STATEMENT Showing condition at the close of business December 31, 1963, of
THE BANK OF SOPERTON Soperton, Ga.

As called for by the Superintendent of Banks

JIM L. GILLIS, JR., President.
Date of Charter: 7-16-1906

B. KENNON GILLIS, Cashier.
Began Business: 190~

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed . . Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank prrmises owned, furniture and

fixtures...

Real estate owned other than bank

premises

..

...

Investments and other assets indi-

rectly representing bank premises or other real t:'state

Customt:'rs' liability to this bank on

acceptances outstanding

Other Assets.

Total Assets

575,291.43 1,127,971.76
412,09 4.19 549,900.00
None 1,7H6.295.10
19,792.00 1. 0 0
25,000.00 None 75.4S
4,496,420.96

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Df'po~its of banks

.

Other deposits (certified and officers'

checks, etc.) Bills payable AccC'ptanccs r-xccuted hy or for ac-
count of this bank and outstanding Othf'r liabili tics

Capital Surplus

Undivided profits

R('S{'T\'('"

1,941.061.28 1.655,579.67
59,931.08
431,934.75 None
16,683.97 None
None 85,223.56
100 .ooo.oo
100,000.00 106,006.65
None

Total Liabilitir-s

4,496,420.96

130

DEPARTMENT OF BANKING:__~~

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF HANCOCK COUNTY Sparta, Ga.

As called for by the Superintendent of Banks

S. H. HOLLIS,

WM. W. ARCHER,

President. Date of Charter: 10-18-1904

Cashier. Began Business: 9-5-1904

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, a!ld cash

items in process of collectwn .. $

United States Government obhga-

tions, direct and guaranteed. ; Obli~ations of Statcs and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fcucral Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premisPs ownrd, furniture and

fixtUT('S

.

.



Real ('state ownf'd other than bank

premist's

Inwstments and other assets indirC'ctly representing bank premi~cs

or othrr real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total As~cts

439,129.19 839,366.17 403,3\15.92 324,937.50
None 1.812,007.38
11.000.00 1.00
None None None 3,829,837.16

LIABILITIES

DPmand deposits

$

Time deposits Deposits of U. S. Gm.erf!~Pnt Deposits of StatPs and pohttcal sub-

divisions Deposits of banks Othrr deposits (cPrtified and officf'rs'

checks, etc.)

Bills payable Acceptances executed by or for ac-
('Ottnt of this bank and outstand-

oN::r Iiabiliti'~

Capital

Surplus UndividPd profits

Rf'srrves

1,009,668.56 1.986.780.04
33,862.13
476,736.75 None
5,484.03 None
None None 100,000.00 100,000.00 92,305.65 25,000.00

Total Liabilitie"i

3,829,837.16

STATEMENT Showing condition at the close of business December 31, 1963, of
THE EXCHANGE BANK OF SPRINGFIELD Springfield, Ga.

As called for by the Superintendent of Banks

B. L. RAHN, President.
Date of Charter: 12-30-1907

EMORY A. SHEAROUSE, Cashier.
Began Business: 1-1-1908

ASSETS

Cash, balancps with other banks, in-

cluding rPsene balances, and cash

items in process of collection

$

Gnited Statrs Government obliga-

tions. direct and guaranteed

Obligations of States and political

subdivisions

Other bonds. notes, and debentures

CorporatC' stocks (including ~tock of

Federal RPsenc Bank) Loan~ and discounts (including over-

drafts) Bank prcmi~P" owned, furniture and

fixtures

Real estate owned other than hank

premises

.

..

Investments and other assets indi-

rectly nprcsenting bank prPmisPs

or othf'r rPal estate Cu~tomcrs' liability to this bank on

accf'ptances outstanding

OthPr AssPts

Total Asspts

510,343.10 958,057.50 412,414.35 175,000.00
None l,fl23,27H.53
71,H~n.;.42
None
None None None
3,650,9~1.90

LIABILITIES Demand deposits Timf' deposits Deposits of LT. S. Government Deposits of StatPs and political sub-
divisions Deposits of banks Other deposits (certified and officers'
chf'cks, etc.) Bills payable Acccptanc<'s exPcutPd by or for ac-
count of this bank and outstand-
ing Othl"r liabilitie~
Capital Surplus Undi\'ided profits Rf'scrns

1,262,968.64 1,842,393.43
2,545.70
269,084.13 5,000.00
None None
None None 100,000.00 100,000.00 69,000.00 None

Total Liabilitie"

:J,G50,99!.90

FORTY-FOURTH ANNUAL REPORT

131

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF STAPLETON Stapleton, Ga.

As called for by the Superintendent of Banks

J. C. KILGORE,

J. C. KILGORE,

President.

Cashier.

Date of Charter: 3-20-1916

Be~ran Business: 1916

ASSETS Cash, balances with other banks, in-
cludin~ reserve balances, and cash

items 1n process of collection . United States Government obliga-

tions, direct and guaranteed . Obli.~a~i?~s of States and political

subdJVISIOOS . . .

.... .

.

Other bonds, notes, and debenturrs

Corporate stocks (including stock of

Federal Reserve Bank) .. Loans and discounts (including over-

drafts)

..

.

Bank prf"mises owned, furniture and

fixtures . . . . . . . . . ..

Real estate owned other than bank

premises

. . . . . . ....

Investments and other assets indi-

rectly representing bank premisc:-s

or other real estate Customers' liability to this bank nn
acceptances outstanding

Other Assets.

Total Assets

465,737.93 590,017.50 170,784.40 385,060.16
None 281,357.80
6,755.40 None
None None 5,815.22 1,905,528.41

LIABILITIES

Demand deposits

.$

Time deposit~

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . .

.

Other deposits (certified and offiors'

checks, etc.)

Bills payable

Acceptances t>X("cuted by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

RC'serves

1.077,748.19 311,256.79 3,677.58
358,707.43 None
6,063.86 None
None None 50,000.00 60,000.00 38,074.56 None

Total Liabiliti's

1,905,528.41

STATEMENT Showing condition at the close of business December 31, 1963, of
BULLOCH COUNTY BANK Statesboro, Ga.

As called for by the Superintendent of Banks

W. G. COBB, President.
Date of Charter: 1-19-1934

THOS. F. HOWARD, Cashier.
Began Business: 4-14-1934

ASSETS

Cash, balances with other banks. in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

. . . ...

Other bonds, notPs, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

.

Bank premises owned, furniture and

fixtures

. . ..... .

Real estate owned other than bank

premises . . . . ......... .

Investments and otht>r assets indi-

rectly representing bank prem~ses

or other nal estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets

Total Assets

[$

1,160,047.22 2,002,884.70
785,770.21 None None
2,863,693.20 136,482.85 None
None None 3,304.00 6,952,182.18

LIABILITIES

Dt>rnand deposits

$

Time deposits

Deposits of U. S. Government

Deposits of Statt's and political :;ub-

divisions . . .

Deposits of banks .

.. .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances execut~?d by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

3,521,725.69 1,583,861.77
91.505.60
1,118, 7 82.65 40,350.17
15,985.7 4 None
None 29,040.45 200,000.00 200,000.00 110,930.11 40,000.00

Total Liabilities

6,952,182.18

132

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of

SEA ISLAND BANK Statesboro, Ga.

As called for by the Superintendent of Banks

C. B. McALLISTER, President.
Date of Charter: 3-11-1901

H. E. BRAY, Cashier. Began Business: 1901

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

item.-.; in process of collection

$

United States Government obliga-

tions, direct and guaranteed .

Obli~ati?~s of States and political

subdJVlSIOOS . . . . . . . . . . .
Other bonds, notes, and debentures Corporate stocks (including stock of
F eueral Reserve Bank) Loans and discounts (including over-

drafts) Bank premises

... owned,

furniture

a~cl

R!!it~~:~te owned oth~r .th;~ -b~nk

premises . . . . . . ..
Investments and other assets indirectly representing bank premises
or other real estate Customers' liability to this b;nk on
acceptances outstandin~
Other Assets

1,855,404.62 1.997,596.36
397,650.47 None None
4,589,607.97 87,630.73 None
None None 12,539.18

Total Assrts

$ 8,940,429.33

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government De~o~i~s of States and political sub-

divisions . .

...

Deposits of banks

Other deposits (certified and offic('rs'

cht'cks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other Iiabilitie!J

Capital

Surplus

Undivided profits

Reser\'f'S

4,844,177.86 1,819,175.04
91,942.42
1,008,703.33 368,538.39
53,959.91 None
None None 150,000.00 450,000.00 128,260.38 25,672.00

Total Liabilities

$ 8,940,429.33

STATEMENT Showing condition at the close of business December 31, 1963, of

THE BANK OF STONE MOUNTAIN Stone Mountain, Ga.

As called for by the Superintendent of Banks

WALTER H. GIBSON, President.
Date of Charter: 4-17-1957

ROBERT L. MAUGHON, Cashier.
Began Business: 6-6-1957

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items tn process of collection . '$

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

... ....

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

.

Loans and discounts (including over~

drafts)

Bank premises owned, furniture and

fixtures

...

. ...

Real estate owned other than bank

premises . . . . . . . . . . . . . .

Investments and othrr assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

$

247,024.02 72 7,121.0 0
46,852.35 150,456.35
None 1,190,871.61
3,539.37 None
None None 10,830.63 2,376,695.33

LIABILITIES

Demand deposits

Time deposits Dt"posits of U. S. Govrrnment

Deposits of States and political :;uh-

divisions

Deposits of hanks .

.

Otht'r deposits (certified and officers'

checks, etc.)

Bills payable Acccptanct>s executed hy or for ac-

count of this bank and nutstand-

ing

Other liabilitit>s

Capital

Surplus

Undivided profits

Reserves

1,252,548.81 724,314.63 24,621.25
75,914.46 None
12,851.11 None
None 99,119.29 100,000.00 50,000.00 35,065.80
2,259.98

Total Liabilities

2,376,695.33

FORTY-FOURTH ANNUAL REPORT

133

STATEMENT Showing condition at the close of business December 31, 1963, of
FARMERS & MERCHANTS BANK Summerville, Ga.

As called for by the Superintendent of Banks

D. L. McWHORTER, President.
Date of Charter: 2-5-1926

JAMES F. KING, Cashier.
Began Business: 2-6-1926

==============-=-~-=-==--=-=-~-~~~======~=-==-=-=-=--=-=-=---_-_----~----

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balanct's, and cash

items m process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . .

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures . . . . . . . .

Real estate owned other than bank

premises

. . . . . ...

Investments and other assets indi-

rt:>ctly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

1,369,713.18 2,880,385.2 .j
908,215.84 249,750.00
None 2,369,143.76
30,000.00 None
None None 11.157.41,

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political .sub-

divisions

Deposits of banks .

. ..

Other deposits (certified and officers'

checks, etc.)

.

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

4,053,394.7 4 1,574,494.95
232,149.15
1,163,550.59 None
5,314.98 None
None 8,000.00 200,000.00 450,000.00 25,000.00 106,461.02

Total Assets

$ 7,818,365.43

Total Liabilitir~

7,818,365.43

------------~----

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CENTRAL BANK Swainsboro, Ga.

As called for by the Superintendent of Banks

SAM J. OVERSTREET, President.
Date of Charter: 10-27-1920

RAYMOND RINER, Cashier.
Began Business: 11-9-1920
------ -----

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in proc('SS of collection

United Stat('s Government obliga-

tions, direct and guaranteed

Obli~ations of Stat('s and political

subdivisions

Other bonds. notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . ...

Real estate owned other than bank

premises . . . . . .

. .....

lnvestmf'nts and othcr assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

746,117.05 925,283.83
50,000.00 391,460.16
None 1,743,281.30
G6,280.03 None
None None None

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks

Other deposits (ccrtifi('d and officers'

checks, etc.)

.

Bills payable

Acceptances cxccutcd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Res('rvcs

1,792,743.94 1,314,68G.44
65.925.24
216,985.71 221,747.10
9,049.09 None
None 12,000.00 100,000.00 175,000.00 14,285.85
None

Total Assets

3,922,422.37

Total Liabilities

$ 3,922,422.37

134

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS BANK OF SWAINSBORO Swainsboro, Ga.

As called for by the Superintendent of Banks

H. C. EDENFIELD,

JAMES R. SMITH,

President.

Cashier.

Date of Charter: 11-10-1900

Began Business: 1900

=========~==~~~~========

ASSETS

Cash, balances with other hanks, in-

cluding reserve balances, and cash

items in process of collection . S

Unitt'd States Government obliga-

tions. direct and guaranteed . .

Oblie;a!ic_>f!S of States and political

subdiVlsiOns

.. .. . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..

Bank premises owned, furniture and

fixtures .

.. .

.

Real estate owned other than bank

premises

.. . . . . .

Investments and other assets indi-

rectly representing bank premises

or other rt'al estate

Customers' liability to this bank on

acceptances outstanding

Other Assets..

1,030,161.26 1,431,276.75
265,560.09 None None
3,244,176.75 95,649.77 None
None None 5,295.44

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political .nth-

divisions

Dt'po!;its of banks

Other deposits (certified and offietrs'

checks, etc.)

.

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

2,321.592.99 2,206,505.35
201,371.48
586,118.38 314,224.19
23,156.74 None
None 30,000.00 125,000.00 262,500.00
1,650.93 None

Total Assets.

6,072,120.06

Total Liabilitit>s

6,072,120.06

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF SCREVEN COUNTY Sylvania, Ga.

As called for by the Superintendent of Banks

C. L. MILLER, President.
Date of Charter: 4-10-1911

J. A. FITZNER, Cashier.
Began Business: 2-28-1930

ASSETS

Cash, balanct's with other banks, in-

cluding reserve balances, a!ld cash it~ms in proCt'SS of collection . $

U nitC'd States Government obliga-

tions, direct and guaranteed .. Obli~ation<i of States and pohttcal

subdivisions

. .... .... .

Otht'r bonds, nott's, and debt'ntures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and djscounts (including over-

drafts)

.

.

....

Rank premist'S ownt'd, furniture and

fixtures

... .. ...

Real estate ownC'd otht'r than hank

ln~~t~~~~s and .otht'r assets indi~

rrctly. rt'presenting bank prt'miscs

or other real estatt'

Customers' liability to this bank on

acceptances outstanding

Otht'r Assets

Total Assets

895,971.82 1.021,494.66
829,593.27 None None
2,350,272.80 15,000.00 None
None None None 5,112,332.55

LIABILITIES

Demand dt'posits

Time deposits

Deposits of U. S. Gov-rnmt'nt

Dt'posits of States and political sub-

divisions

Deposits of banks

.

.

Otht'r deposits (ct'rtified and officers'

checks, etc.)

Bills payable

Acceptanct's ext'cutcd by or for ac-

count of this bank and outstand-

ing

Other liabilitie~

Capital

Surplus

Undivided profits

R('s'r\'es

1,942,463.55 1.903,007.42
70,788.30
676,559.57 None
14,057.94 None
None None 100,000.00 200,000.00 205,455.77 None

Total Liabilitit's

5,112,332.53

FORTY-FOURTH ANNUAL REPORT
----~---------

1:l5

STATEME~T
Showing condition at the close of business December 31, 1963, of

FARMERS AND MERCHANTS BANK Sylvania, Ga.

As called for by the Superintendent of Banks

W. B. LOVETT,

B. E. BLACKBURN,

President.

Cashier.

Date of Charter: 2-18-1946

Began Business: 3-1-1946

======================~==========

ASSETS

LIABILITIES

Cash. balances with other banks, in-

Demand deposits

chiding reserve balances, and cash

Time deposits

items in process of collection

$ 610,G64.63

Deposits of U. S. Government

United States Governmt>nt obliga-

Deposits of States and political sub-

tions, direct and guaranteed .

803,887.50

divisions

Obligations of Stat's and political subdivisions

444,10R.51

Deposits of banks Other deposits (ctrtificd and ofict'r~'

Other bonds, notes, and debentures

None

cht'cks, etc.)

Corporate stocks (including stock of

Bills payahle

Federal Reserve Bank)

None

Acceptances executed by or for ac-

Loans and discounts (including over-

count of this bank and outstand-

drafts) Bank premises owned, furniture and

1.108,502,02

ing Oth~:-r liabilities

fixtures . . . . . . . . . . . . . . . . .

8,911.07

Capital

Real estate owned other than bank

Surplus

premises

.. ..

None

Undivided profits

Invt'stments and other assets indi-

Reservt's

rectly representing bank premises

or other real estate

.

12,000.00

Customers' liability to this bank on

acceptances outstanding

None

Other Assets

None

1,162.92:;.06 1,049.096.07
20.491.03
477,G:ll.16 None
5,244.83 None
None 12,826.13 100,000.00 102.000.00 57,8G!).45
None

Total Liabilities

2,988,073.73

~~~~~~-~~--~-

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF WORTH COUNTY Sylvester, Ga.

As called for by the Superintendent of Banks

W. J. CROWE,

LEONARD SUMNER,

President.

Cashier.

Date of Charter: 4-28-1945

Began Business: 11-1-1945

ASSETS

Cash, balances with other hanks, in-

cluding reserve balances, and cash

items in process of collection

United Statts Government obliga-

tions, direct and guaranteed

Obli~ations of Statcs and political

subdivisions

. . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ov!'r-

drafts)

Bank premises owned, furniture and

fixturt'S

Real estate owned oth!'r than bank

premises

.

.

. . ..

Investments and other assets indi-

rPctly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

315,446.28 430.251.38 194.817.46 599,593.75
None 1,970,294.93
9.275.09 Non(;'
40,000-00 None
4,550,71 3,564,229.60

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . .

.

Other deposits (certified and officC'rs'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

RPserves

1,687,448.45 1,08G,OOL67
48,807.58
255,682.37 128.777.15
65,712.25 None
None 30.186.38 100.000.00
100.000,0~
46,613.75 15.000.00

Total LiabilitiPs

3,564,229.60

136

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
SYLVESTER BANKING COMPANY Sylvester, Ga.

As called for by the Superintendent of Banks

T. M. PURDOM, President.
Date of Charter: 7-5-1898

HUBERT V. JONES, Cashier.
Began Business: 7-1898

ASSETS

Cash, balances with other banks, in dudin~ reserve balances, and cash

items m process of collection .. $ United States Government obliga-

tions, direct and guaranteed . . Obli.~ations of States and political

subdivisions . . . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

. .. ..

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

... ... . . . ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding . .

Other Assets. . . . . . . . . .

835,796.27 2,084,145.00
30,000.00 None None
3,124,222.63 67,000.00 None
None None 37.82

Total Assets

.. $ 6,141,201.72

LIABILITIES

Demand deposits

-$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub

divisions

Deposits of banks . . .

.

Other deposits {certified and offic'rs'

checks, etc.)

Bills payable Acceptances executed

by-~; f~r- ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus ..

Undivided profits

Reserves

2,901,071.80 2,432,543.57
43,223.09
314,713.81 None
30,174.91 None
None 44,4 74.54 100,000.00 150,000.00 125,000.00
None

Total Liabilities

6,141,201.72

STATEMENT Showing condition at the close of business December 31, 1963, of
THE PEOPLES BANK OF TALBOTTON Talbotton, Ga.

As called for by the Superintendent of Banks

MRS. ELIZABETH P. PERSONS, President.
Date of Charter: 12-9-1890

MARY SLADE Cashier.
Began Business: 1-13-1891

ASSETS

Cash, balances with other banks, in-

cludin$" reserve balances, and cash

items In process of collection . $

United States Government obliga-

tions, direct and guaranteed

Oblig-ations of States and political

subdivisions

. .. . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . ....

Real estate owned other than bank

premises ............... .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this .bank on

acceptances outstanding

Other Assets

Total Assets

.$

260,085.86 406,485.00
11,393.05 153,968.75
None 279,763.36
2.00 1.00
None None None 1,111,699.02

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

DeP.o~i~s of States and political sub-

divisions . . .

. ...

Dcposi ts of banks .

. ..

Other deposits (certifi('d and officer:-.'

checks. etc.)

Bills payable

Acceptances execntf'd by or for ac-

count of this bank and outstand-

oth!r li~bilitics

Capital

Surplus

Undivided

Reserves

563,896.32 24,553.20 10,932.83
387,453.71 None
25.00 None
None None 25,000.00 25,000.00 72,337.96 2,500.00

Total Liabilities

1,111,699.02

_ _ _ _ _ _ _F_O_R_T_Y_-F_OURTH ANNUAL REPORT

137

STATEMENT Showing condition at the close of business December 31, 1963, of

WEST GEORGIA BANK OF TALLAPOOSA, GEORGIA Tallapoosa, Ga.

As called for by the Superintendent of Banks

W. I. LANIER,

SAM CHEATWOOD,

President.

Cashier.

Date of Charter: 12-6-1948

Began Business: 7-6-1949

ASSETS

Cash, balances with other banks, in-

cluding reserve balances. and cash

items in process of collection

$

United States Government obliga-

tions. direct and guaranteed

Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fiXtures

Real estate owned other than bank

premises

.... .

Investments and other assets indi-

rectly representing bank premises'

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

I I
328,895.80 486,945.32
78,327.32 316,787.50
None 878,912.98
56,732.26 5,500.00
None None 17,121.49

LIABILITIES Demand deposits Time deposits . . . . Deposits of U. S. Government Deposits of States and political sub-
divisions Dt"posi ts of banks Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus .. Undivided profits Rt"serves

975,370.80 865,156.21
46,996.63
101,061.59 None
10,653.36 None
None 5,000.00 50,000.00 85,000.00 24,902.68 5,081.37

Total Assets

2,169,222.67

Total Liabilities

2,169,222.67

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF TAYLORSVILLE Taylorsville, Ga.

As called for by the Superintendent of Banks

E. 0. DAVIS, President.
Date of Charter: 6-6-1905 ---------=-=-'-'-==='--"-

C. J. HARRIS, Cashier.
Began Business: 6-13-1905

ASSETS

Cash, balances with other banks, including reserve balances, a~d cash

items in process of collectiOn .

Cnited States Government obliga-

tions, direct and guaranteed ..

Oblil:{ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. .. ..

Real estate O\vned other than bank

premises

. ..

. ....

ln\estments and other assets indi-

rectly represtnting bank premises

or otht>r real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

75,196.21 304,858.28
None 110,375.01
None 595,561.14
1,769.72 None
None None None

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government Deposits of Stat>s and political sub-
divisions Deposits of banks. . . . . . . .
Other deposits (certified and officers' checks, etc.)
Bills payable
Acceptances executed by or for ac- count of this bank and outstand- ing ...
Other liabilities Capital Surplus Undivided profits Rf'serves

45R,284.1 R 307,330.3:1
2,303.28
103,129.49 None
3,802.80 None
None None 2!J,OOO.OO 100,000.00 87,910.28 None

Total Assets

1,087,760.36

Total Liabilities

1,0R7,760.36

138

_ _ _D=-EP ARTMEN_T__ OF__!3_A_N_K_I_~_G_ _ _ _ _ _ _ _ __

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF TEMPLE Temple, Ga.

As called for by the Superintendent of Banks

C. R. HART,

L. G. LYELL,

President.

Cashier.

Date of Charter: 11-25-1946

Began_ Business: 7-1-1947

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items 10 process of collection . $

United States Government obliga-

tions, direct and guaranteed Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

...

. ...... .

Real estate owned other than bank

premises . . . . . . . ....... .

Investments and other assets indi-

rectly representing bank premises

or other real estate .

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

91,909.88 260,037.10
None 104,600.00
None 119,832.88
1,319.36 None
None None None 577.699.22

LIABILITIES Demand deposits Time deposits Deposits of U. S. Gevernmcnt Ddi~i~f~n~f S~ate.s and political subw

Deposits of banks

.

Other deposits (certified and officers'

checks) etc.)

Bi lis payable

.

Acceptances executed by or for acw

count of this bank and outstandw

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

Total Liabilities

371,055.17 10,000.00 None
115,453.90 None None None
None 3,047.55 25,000.00 25,000.00 28,142.60
None
577,699.22

STATEMENT Showing condition at the close of business December 31, 1963, of
TENNILLE BANKING COMPANY Tennille, Ga.

As called for by the Superintendent of Banks

W. B. SMITH, President.
Date of Charter: 4-4-1900

CHARLES V. SMITH, Cashier.
Began Business: 4-1900

ASSETS

Cash, balances with other banks, inw cludin~ reserve balances, and cash

items 1n process of collection . $

United States Government obligaw

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fetleral Reserve Bank)

Loans and discounts (including over-

drafts)

... . . . . .

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises . . . . . . . . . . . . . .

Investments and other assets indi

reedy representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total A"ets

509,132.42 572,011.04
82,317.21 None None
1,683,056.64 38,353.86 None
None None 12,200.00 2,897,071.17

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

DcP,o~i~s of States and political sub-

divisiOns . . . .

..

.

Deposits of banks

.

Other deposits (certified and officers'

checks, etc.)

Bills payable

.

Acceptances executed by or for ac-

count of this bank and outstand-

ing . . . . .

Other liabilities

Capital

Surplus ..

Undivided profits

Reserves

903,442.01 1,189,609.62
3,405.00
4~3.436.61
None
6,034.26 None
None None 100,000.00 200,000.00 51,143.67 None

Total Liabilities

2,897,071.17

FORTY-FOURTH ANNUAL REPORT

139

-------------------------------

STATEMENT Showing condition at the close of business December 31, 1963, of

BANK OF UPSON Thomaston, Ga.

As called for by the Superintendent of Banks

CHAS. M. PASLEY, JR.,

H. D. STOREY, JR.,

President.

Cashier.

Date of Charter: 6-23-1951

Began Business: 10-1-19!11

ASSETS Cash, balances with other banks, in~

eluding reserve balances, and cash

items in process of collection .

United States Government obliga

tions, direct and guaranteed

Obligations of States and political

'subdivisions

Other bonds, notes, and debentures

Corporate stocks (including 5tock of

Fccleral Reserve Bank)

Loans and discounts (including over-

drafts) . . . . . . . . . . .

Bank premises owned, furniture and

R:!it~~~;te own~d othe; .ti;;~ 'ba~k

premises

... ..

. ....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets.

578,289.32 1,246,156.65
140,402.97 None None
1,989,825.19 36,426.25 None I
75,000.00 None
3,582.43 4,069,682.81

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government. DPposits of States and political sub-
divisions . . . . . . . . . . Deposits of banks. . . . . . . ..... . Other deposits (certified and officers'
checks, etc.) Bills payable . . . . . . . . . . . ... Acceptances executed by or for ac-
count of this bank and outstanding ........ . Other liabilities Capital Surplus Undivided Reserves
Total Liabilities ..

1,62S,248.94 1.461,000.60
76,074.67
314,769.15 79,893.73
8,795.07 None
None 2!J,286.1G 270,000.00 150,000.00 51,614.49
None
4,069,682.81

STATEMENT Showing condition at the close of business December 31, 1963, of CITIZENS & SOUTHERN BANK OF THOMASTON, GEORGIA
Thomaston. Ga.

As called for by the Superintendent of Banks

C. B. JENKINS, JR., President.
Date of Charter: 1-18-1926

JACK B. HUTCHINSON, Cashier.
Began Business: 2-28-1930

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items 1n process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

Otht'r bonds, notes, and debentures

Corporate stocks (including stock (If

Fednal Reserve Bank)

Loans and discounts (including over-

drafts) .

..

Bank pr('mists owned, furniture and

fixtures Real estate

owned

other

than

ba~k

premises

Investments and other as~ets indi-

rectly representing bank pnmises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

1,470,733.35 2,929,927.21
900,346.02 None
3,250.00
4.7~4,679.51
147,996.50 None
2,749.20 None
88,558.56

Total Assets

. $ 10,328,240.35

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks. . . . . . ..... .

Other deposits (certified and officers'

checks, etc.)

Bills payable

.

Acceptances t>xecutcd by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

4,5H0,323.!)7 3,924,691.43
119,295.00
581,516.37 None
989.75 None
None 2X1,087.01 400,000.00 200,000.00 230,336.82
None

Total Liabilities.

$ 10,328,240.35

140

~~~~~~-'DEPARTMENT OF BANKIN._..G._____ _ _ _ _ _ _ __

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF THOMAS COUNTY Thomasville, Ga.

As called for by the Superintendent of Banks

H. B. GURLEY,

JOE J. KEYTON,

President.

Cashier.

Date of Charter: 2-3-1937

Began Business: 2-15-1937

ASSETS Cash, balances with other banks, in-

. eluding reserve balances, and cash

items in process of collection . $ United States Government obliga-

tions, direct and guaranteed Obligations of States and political

subdivisions
Other bonds, notes, and debentures Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts) Bank premises owned, furniture and

fixtures .

. .. .......

Real estate owned other than bank

premises

... . ... ........

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

.ba~k

on

acceptances outstanding

Other Assets

1,208,035.08 2,940,848.28
789,690.27 649,906.23
None 4,135,515.51
130,045.99 None
None None 28,932.40

Total Assets

. $ 9,882,973.78
-----

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Gov{"rnmcnt

Deposits of States and political sub~

divisions

Deposits of banks. . . . .

. ...

Other deposits (certified and officers'

checks, etc.)

Bills payable

.

Acceptances cxecuted

'by

o; f~r

~c~

count of this bank and outstand~

ing

Other liabilitie-s

Capital

Surplus

Undivided profits

Reserves

4,580,701.44 2,929,515.87
302,167.17
1,040,236.37 103,422.40
63,415.24 None
None 152,371.61 180,000.00 470,000.00
43,259.60 17,884.08

Total Liabilities ..

. $ 9,882,973.78

STATEMEN'l' Showing condition at the close of business December 31, 1963, of
COMMERCIAL BANK Thomasville, Ga.

As called for by the Superintendent of Banks

L. D. FERGUSON,

A. F. KIMBROUGH,

President.

Cashier.

Date of Charter: 7-3-1916

Began Business: 7-22-1916

- - - ---- =~------

----'---'-----'~==~--=-=-=-===--=-=-~-=-=-=-=-=-=-=-=~=============

ASSETS Cash, balances with other hanks, in~
eluding reserve balanccs. and cash items in proccss of collection . United States Govf'rnment obligations, dircct ahd guaranteed Obli~ations of States and political
subdivisions Other bonds, notes, and debentures Corporate stocks (including ~tock of
Federal Rrsf'f\'C Bank) Loans and discounts (including over-
drafts) Bank prC'mises owned, furniture and
fixtuns Real estate owned other than bank
premises Investments and other assets indi-
rectly rcprrscnting bank premises
or other real estate

2,038,501.05 3,913,001.09
966,987.42 None None
4,856,675.58 122,158.69 1,200.00
None

LIABILITIES

Demand deposits

-$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub

divisions

Deposits of banks .

Other deposits (certified and officers:

checks, de.)

Bills payable

Acceptances executt>d by or for ac-

count of this bank and outstand-

ing

OthC'r liabilities

Capital

Surplus

Undivided profits

ReservPs

5,942,446.11 3,998,995.47
340,623.33
G82,246.20 48,300.19
44,767.50 None
None 191,073.91 312,500.00 387,500.00
64,699.56 None

Customers' liability to this bank on acceptancf's outstandin~
Other Assets

None 114,628.44

Total Assets

12,013,152.27

Total Liabilities

$ 12,013,152.27

FORTY-FOURTH ANNUAL REPORT

141

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF THOMSON Thomson, Ga.

As called for by the Superintendent of Banks

W. E. HUNT,
President. Date of Charter: 12-30-1890

W. F. BECKUM, JR., Cashier.
Began Business: 1891

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .

.

Loans and discounts (including over-

drafts)

. ... .. .

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

. . . ...... .

Investinents and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

.ba~k .on

acceptances outstanding

Other Assets.

Total Assets

1,026,660.21 1,371,998.23
618,066.17 100,393.94
None 1,908,982.84
13,704.13 None
80,000.00 None
5,478.71 5,125.284.23

LIABILITIES

Demand deposits

Time deposits .

. . ..

Deposits of U. S. Government

De~o~i~s of States and poHtical sub-

divisiOns . . .

. .... .

Deposits of banks . . . . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable . .

. . . . ..

Acceptances executed by or for ac-

count of this bank and outstand-

ing ........ .

Other liabilities

Capital

Surplus

Undivided profits.

Reserves

2,465,398.91 1.477,261.11
92,048.41
563,677.98 None
20,411.16 None
None 9,000.00 J 50,000.00 160,000.00 187,486.66
None

Total Liabilities.

5,125,284.23

STATEMENT Showing condition at the close of business December 31, 1963, of

THE BANK OF TIFTON Tifton, Ga.

As called for by the Superintendent of Banks

JOHN E. PARKERSON, President.
Date of Charter: 10-10-1891

L. W. GAULDING, Cashier.
Be~ran Business: 1896

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

..... ... ..... ..

Real estate owned other than bank

premises . . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank .on

acceptances outstanding

Other Assets

1.429,713.20 3,077,929.48
925,848 01 449.431.27
None 5,151,458.59
121,180.73 None
None None 40,878.82

Total Assets

11,196,440.10

LIABILITIES

Demand deposits

.$

Time deposits

..

.

Deposits of U. S. Governmf'nt

Deposits of States and political sub-

divisions

Deposits of banks . . . . . ..

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits.

Reserves

4,786,866.23
2,92~.432.0fi
147,471.06
1,183,330.41 678,478.45
37,246.06 None
None 3A3.2l6.39 300,000.00 450,000.00
2~l.771.25
114,628.20

Total Liabilities

.$ 11,196,440.10

142

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS BANK OF TIFTON Tifton, Ga.

As called for by the Superintendent of Banks

H. P. SANDERS,

WM. W. CONOLY,

President.

Cashier.

Date of Charter: 2-24-1948

Began Business: 4-15-1948

- ==~-"-=-= - - - - - - - - - - - - - - -

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions .

.... .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..

Bank premises owned, furniture and

fixtures . . . . . . . . . . ..

Real estate owned other than bank

premises

. . . . . ....... .

Investments and other assets indi-

. rectly representing bank premises

or other real estate

Customers' liability to this 'bank on

acceptances outstanding

Other Assets

962,341.94 978,671.76 188,866.33 399,937.50
None 1,456,539.99
30,000.00 None
None None 838.46

LIABILITIES

Demand deposits

Time deposits . . .

. . . ...

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Dc:'posits of banks . . . . . . ...

Other deposits (certified and officers'

checks, etc.)

Bills payable

..

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus ..

Undivided

Reserves

1,767,973.31 1,157,777.10
133,947.50
624,646.43 None
33,849.85 None
None 20,000.00 100,000.00 120,000.00 19,001.79 40,000.00

Total Assets

4,017,195.98

Total Liabilities ..

.$ 4,017,195.98

STATEMENT Showing condition at the close of business December 31, 1963, of
THE FARMERS BANK OF TIFTON Tifton, Ga.

As called for by the Superintendent of Banks

JOHN H. DAVIS, President.
Date of Charter: 12-21-1936
------

ASSETS

Cash, balances with other banks, in-

cluding resc:'rVe balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~atinns of States and political

subdivisions

. .... ..

Other bonds, notes, and clebentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts) .

.

.. . .

Bank premises owned, furniture and

fixtures

.. . . . . . . .. .. .. ..

Real estate owned other than bank

premises

. ..

....

ln\'estments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

&89,659.30 2,236,595. 79
701,205.02 589,498.65
None 2,552,231.05
137,209.34 None
None None 44,505.58

L. A. BRASWELL, Cashier.
Began Business: 2-24-1937

LIABILITIES

Demand deposits.

$

Time deposits

Deposits of U. S. Government.

Deposits of States and political sub-

divisions

Dc:'posits of banks. . . . . . . . . . . . . .

Other deposits (certified and officc:'rs'

checks, etc.)

Bills payable . . .

Acceptanct>s executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

...

Undivided profits ..

Reserves

2,723,972.22 2,259,803.41
148,785.83
833,224.20 10,457.97
58,990.98 None
None 88,073.4!) 160,000.00 305,000.00 227,596.67
None

Total Assets

6,850,904.73

Total Liabilities.

6,850,904.73

FORTY-FOURTH ANNUAL REPORT

143

STATEMENT Showing condition at the close of business December 31, 1963, of
THE BANK OF TIGNALL Tignall, Ga.

As called for by the Superintendent of Banks

L. D. WARE.

L. D. WARE,

President.

Cashier.

Date of Charter: 7-5-1909

Began Business: 8-1909

ASSETS

Cash, balances with other banks, in-

(luding rC'scrvc balances, and cash
itl'ms in process of collection . s

Unit('d States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Othrr bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over

drafts) .

. . . ..

Bank premises O\Vned, furniture and

fixtures

. . . . . . . ...... .

Real estate ownC"d other than bank

prC"misC"s

.

. ..

Investments and other assets indi-

rectly representing bank premises

or other real t'state Customers' liability to this .bank. on

acceptances outstanding

Other Assets

Total Assets

107,622.71 391,5ii2.10
None None None 26,600.00
1.00 None
None None None 525,775.81

LIABILITIES Demand deposits. Time deposits Deposits of U. S. Govt:>rnment. . DPposits of States and political sub-
divisions Deposits of banks. . . . . . ... Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital Surplus Undivided profits. Reserves
Total Liabilities

406,608.30 4.000.00 875.00
[)j ,337.64 None None None
None 2.000.00 25,000.00 15.000.00 14,9S4.87
None
525,775.81

STATEMENT Showing condition at the close of business December 31, 1963, of
THE BANK OF TOCCOA Toccoa, Ga.

As called for by the Superintendent of Banks

WM. C. CLARY, JR., President.
Date of Charter: 8-10-1911

MILTON T. SPRATLIN, Cashier.
Began Business: 9-1-1911

ASSETS

Cash. balances with other banks, in-

clu'ding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions. direct and guarantet:>d

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Rese~ve Bank)

Loans and discounts (including over-

rlra!ts)

... ..

Bank premises owned, furniture and

fixtures

... ....... . .

Real estate owned other than bank

premises . . . . . . ..... .

lnvf'stments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

'ba~k

on

acceptances outstanding

Other Assets

Total Assets

1,870,790.60 1,107,504.17
321,554.02 25,000.00 None
3,593,213.70 80,583.72 None
None None 3,229.89 7,001,876.10

LIABILITIES

Demand deposits

Time deposits . . .

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks. . . . . . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

.... .

...

Acceptances t'xecuted by or for ac-

count of this bank and outstand-

ing

Other liabilitit's

Capital

Surplus

Undivided

Reserves

2,473,607.AH 2,471,837.26
228,163.67
850,K41.R4 511,873.5K
36,807.17 None
NonC' 49,326.65 100,000.00 225,000.00 54,410.44
None

Total Liabilities

7,00l,X76.10

144

-----~D_EP ARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CITIZENS BANK OF TOCCOA Toccoa, Ga.

As called for by the Superintendent of Banks

WALLACE B. BRUCE, President.
Date of Charter: 5-25-1950

WILLARD KIMSEY, Cashier.
Began Business: 3-16-1951

ASSETS

Cash balances with other banks, in

clu'ding reserve balances, and cash

itPms in process of collection .-

United States Government obliga-

tions, direct and guaranteed ...

Obligations of States and poht1cal

subdivisions . .

. ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

LOans and discounts (including over-

drafts)

.

..



Bank premises owned, furniture and

fixtures ................. .

Real estate owned other than bank

premises

. . . . . . ......... .

Investments and other assets indi

rectly representing bank premises

or other real estate Customers' liability to

this

-b~~k

on

acceptances outstanding

Other Assets

Total Assets

1,384,794.22 1,452,614.94
344,970.38 550,312.50
None 2,273,226.26
22,798,96 None
1.00 None 6,256.99 6,034,975.25

LIABILITIES

Demand deposits.

.$

Time deposits

Deposits of U. S. Government. .

Deposits of States and political sub-

divisions

Deposits of banks. . . . . . . . . . ...

Other deposits (certified and officers'

checks, etc.)

'by Bills payable . . . .
Acceptances executed o;

-f~r

~~~

count of this bank and outstand

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

2, 752,785.79 1,827,123.78
110,390.69
955,391.05 None
55,725.56 None
None None 125,000.00 175,000.00 25,557.38 8,001.00

Total Liabilities

... $ 6,034,975.25

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF DADE Trenton, Ga.

As called for by the Superintendent of Banks

GEO. H. HARRISON, President.
Date of Charter: 7-5-1955

R. M. MORRISON, Cashier.
Began Business: 1-12-1956

ASSETS Cash, balances with other banks, in-

cluding reserve balances, and cash;
items in process of collection . . $ United States Government obliga-

tions, direct and guaranteed Obliga~i<;>~s of States and political

subdiVISlOllS

... ..... .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . . .

Loans and discounts (including over-

drafts) . .

. . . . . . . . . ..

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . ....

Real estate owned other than bank

premises

. . . . . . . . . . ....

Investments and other assets indirectly representing bank premises

or other real estate ......... . Customers' liability to this bank on
acceptances outstanding

Other Assets

218,555.17 821,547.97
15,357.23 75,116.71
None 870,305.79
7,989.25 None
None None None

Total Assets

. $ 2,008,872.12

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks. . . . . . . . .

Other deposits {certified and officers'

checks, etc.) . .

. . . . ..

Bills payable . .

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus ..

Undivided

Reserves

666,090.97 766,592.80
30,3 77.69
379,864.11 None
13,281.63 None
None 41,755.37 50,000.00 50,000.00 10,909.55
None

Total Liabilities

.$ 2,008,872.12

FORTY-FOURTH ANNUAL REPORT

145

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF TUCKER Tucker. Ga.

As called for by the Superintendent of Banks

REID H. COFER, President.

REID H. COFER, Cashier.

Date of Charter: 10-29-1919

Began Business: 12-1919

ASSETS

Cac,;h, halanc<"s with other banks, in-

cluding rese-rve balances, and cash

items in proct"ss of collection

$

United States Government obliga-

tions. direct and guaranteed . . Obli~Sa!i<?~s of States and political

subdl\nswns . . . . . . . .

Othrr bonds, notes, and dcbe"ntures Corporate stocks (including ::;tock of

Fetleral Reserve Bank) . . . . Loans and discounts (including ovPr-

drafts) .

... ..

Bank premises owned, furniture and

R:~~t~~~~tc ~~n~d ~ih~r th;,; ba~k

premises . . . . . .

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

546,643.98 1,980,301.92
None None None 1,078,879.44
44 835 37 None
None None 11,069.22 3,661,729.93

LIABILITIES Dl:'mand deposits.

Time deposits . . . . . . . . ....

Deposits of U. S. Government ..

Deposits of States and political sub-

divisions . . . .

.... ... .

Deposits of banks. . . . . . . ..... .

Other deposits (certified and officf'rs'

checks, etc.)

Bills payable

. . . . . . . . . .....

Acceptances executed by or for ac-

count of this bank and outstanding ...... .

Other liabilities

Capital

Surplus Undivided proiit;: .

Reserves

2,295,608.64 685,414.78 181,085.87
76,768.28 None
44,101.46 None
None 19,154.74 100,000.00 175,000.00
3,000.00 81,596.16

Total Liabilities.

3,661,729.93

STATEMENT

Showing condition at the close of business December 31, 1963, of
DURDEN BANKING COMPANY, INC. Twin City, Ga.

As called for by the Superintendent of Banks

B. LEWIS BRINSON, President.
Date of Charter: 6-26-1935

J. THOMAS DURDEN, Cashier.
Began Business: 7-5-1935

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection... $

United States Government obnga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

...

Othrr bonds, notes, and debentures

Corporate stocks (including stock of

Feueral Reserve Bank)

Loans and discounts (including over-

drafts)

..... .. . . .

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises . . . . . . . . . . . .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~~k .on

acceptances outstanding

Otber Assets

Total Assets

295,250.53 780,714.18
54,121.81 75,124.99
None 979,690.74
17,928.04 None
None None None 2,202,830.29

LIABILITIES

Demand deposits.

.$

Time deposits

Deposits of U. S. Government.

Deposits of States and political sub-

divisions

Deposits of banks . . . . . . . . . . .

Other deposits (certified and officers'

checks, etc.}

Bills payable Acceptances e

. .. xecuted

by~;

fo~

~c~

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits.

Reserves

956,929.71 770,595.48
34,269.68
195,949.3G 40,930.13
2,432.19 None
None 4,000.00 50,000.00 75,000.00 47,723.75 25,000.00

Total Liabilities

2,202,830.29

146

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
EXCHANGE BANK OF UNADILLA Unadilla, Ga.

As called for by the Superintendent of Banks

T. E. WOODRUFF, President.
Date of Charter: 4-19-1935

T. E. WOODRUFF, Cashier.
Began Business: 4-22-1935

ASSETS

Cash. balances with other banks, in-

cluding rest>rve balances, and cash

items in proct>ss of collection . ::;

United States Government obliga-'

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debt>nturcs

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

..

.

Bank premises owned, furniture and

fixtures

.

. .. .

Real estate owned other than bank

premises

...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

454,169.83 431,895.01
None 150,000.00
None 784,081.60
5,915.00 None
None None 664.05 1,826,725.49

LIABILITIES
Demand deposits Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks . . ....... . Other dl:'posits (certified and officers'
checks, t'tc.)
Bills payable Acceptances executed by or for ac-
count of this bank and outstand-
ing Otht'r liabilities Capital Surplus Undivided profits
Reserves

1,048,794.11 477,937.38 15,851.18
101,171.51 None
14,425.26 None
None None 50,000.00 100,000.00 18,546.05 None

Total Liabilities

1,826,725.49

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF UNION POINT Union Point, Ga.

As called for by the Superintendent of Banks

RALPH L. RHODES, President.
Date of Charter: 5-15-1911

HENRY L. ASBURY, Cashier.
Began Business: 5-1911

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

itt>ms in process of collection . $

United States Government obliga-

tions, direct and guaranteed . _.

Obligations of States and political

subdivisions . . . . ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . . . .

Loans and discounts (including over-

drafts)

.. ..

.

Bank premises owned, furniture and

fixtures

............. .

Real estate owned other than bank

premises

................ .

Investments and other assets indi-

rectly representing bank premises

or other real estate . . . . . . .

Customers' liability to this bank on'

acceptances outstanding

Other Assets.

Total Assets

419,434.30 524,791.77 146,730.87 115,000.00
None 587,042.80
9,917.02 1.00
None None None 1,802,917.76

LIABILITIES

Demand deposits

.$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . . . . . . . ...

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing ........ .

Other liabilities

Capital

Surplus ....... .

Undivided profits.

Reserves

659,975.40 737,949.00
39,898.51
202,826.91 None
1,766.42 None
None None 50,000.00 75,000.00 35,501.52 None

Total Liabilities.

$ 1,802,917.76

FORTY-FOURTH ANNUAL REPORT

147

STATEMENT Showing condition at the close of business December 31, 1963, of
THE FARMERS BANK Union Point, Ga.

As called for by the Superintendent of Banks

JOHN B. STEWART, Presjdent.
Date of Charter: 9-6-1911

REUBEN H. FLYNT, Cashier.
Began Business: 9-6-1911

-----------=-cc_--=-~'--'-'~~~=~~=---== --=~~- - - - - - - = " - " - - -

ASSETS

Cash) balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

tions, direct and guaranteed ..

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

Bank premises owned, furniture and

fixtures

.. . . . .

Real estate owned other than bank

premises

. ..

. . . ....

Investments and other assets indi-

rectly representing bank premist>s

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets.

392,854.59 1,007,735.94
34,576.10 169,977.04
None 1,401,186.18
40,378.42 None
None None 3,926.48

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governmt>nt

D<'posits of States and political sub-

divisions

Deposits of banks

..

Other deposits (certified and offict>rs'

checks, etc.)

Bills payable

Acceptances executt>d by or for ac-

count of this bank and outstand-

ing

Other liabilitie'i

Capital

Surplus

Undivided profits

Reservt"s

181.~1().1:~
1,821,486.G3 31,183.22
171.165.!)5 None
!5,438.39 None
None None 100,000.00 100,000.00 28,943.83 None

Total Assets

3,050,634.75

Total Liabilities

3,050,634.75

STATEMENT Showing condition at the close of business December 31, 1963, of
FIRST STATE BANK Valdosta, Ga.

As called for by the Superintendent of Banks

REA STEELE, President.
Date of Charter: 1-22-1906

MELVIN PLAIR, Cashier.
Began Business: 3-1906

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of States and political

subdivisions

. ....

.

Other bonds, notes, and debentures

Corporatr- stocks (including stock of

FeJeral Reserve Bank)

Loans and discounts (including over-

drafts) . . . . . . .

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . .....

Real estate owned other than bank

premises

... .. .

. ....

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b;~k. .on

acceptances outstanding

Other Assets

Total Assets

1,606,336.16 1,159,089.20
475,822.90 349,725.00
None 2,429,181.68
62,172.35 None
None None None 6,082,327.29

LIABILITIES

Demand deposits

.$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks. . . . . . . ....

Other deposits (certified and officers'

checks, etc.)

Bills payable

..

Acnptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits.

Reserves

3,215,873.3\, 1,357,914.04
127,672.05
735,162.50 45,288.91
62,79q.4o None
None 15,750.00 225,000.00 225,000.00 71,867.03
None

Total Liabilities.

6,082,32 7.29

148

-

-

--

-

-

-

-

-

-

-

--

-

-

-

-

DEPARTMENT
--------------

OF
---

BANKING
---------

-

-

-

-

--

-

-

-

-

-

-

---

-

-

-

-

-

STATEMENT Showing condition at the close of business December 31, 1963, of

DARBY BANKING COMPANY Vidalia, Ga.

As called for by the Superintendent of Banks

J. F. DARBY, JR., President.
Date of Charter: 6-22-1934

D. L. GORDON, JR. Cashier.
Began Business: 7-1-1934

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

$

Unit('d States Government obliga-

tions, direct and guaranteed

Obligation<; of States and political

subdivisions .

..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . .

Loans and discounts (including over-

drafts)

.

..

.

Bank premises owned, furniture and

fixtures

..... .. ...

Real estate owned other than bank

premises

.. .. .

......

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

.ba~k

on

acceptances outstanding

Other Assets

Total Assets

845,904.43 451,371.22 237,742.59 775,000.00
None 1,207,260.72
22,586.91 None
None None 32.84 3,539,898.71

LIABILITIES

Demand deposits

Time dt"posits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . . . . . . . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

....

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

1,759,696.32 676,110.56 198,230.35
433,263.46 143,305.88
24,024.89 None
None 27,759.87 100,000.00 I 00,000.00 77,507.38
None

Total Liabilities

3,539,8H8.71

STATEMENT Showing condition at the close of business December 31, 1963, of
VIDALIA BANKING COMPANY Vidalia, GL

As called for by the Superintendent of Banks

C. M. JORDAN, President.
Date of Charter: 10-22-1938

W. A. HUMPHREY, Cashier.
Be1nm Business: 10-28-1938

ASSETS

Cash, balances with other banks, in-

cluding reserve balanct"s, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of StatPs and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) .

Loans and discounts (including over-

drafts)

.

.

Bank prf'mises owned, furniture and

fixtures

.

. ... ..

Real estate owned other than bank

premises

. ..

... .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

1,615,972.13 855,945.32 806,952.05 None None
2,594,012.14 86,940.04 None
None None 14,624.10 5,974,445.78

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Dt>posits of States and political sub-

divisions

Deposits of banks .

..

Other deposits {certified and officers'

checks, etc.)

Bills payable

...

.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

3,386,951.39 1,127,164.07
291,992.56
380,041.36 41,696.42
130,295.42 None
None 179,018.5 7 100,000.00 200,000.00
78,754.99 58,531.00

Total Liabilities

5,97 4,445. 78

FORTY-FOURTH ANNUAL REPORT

149

STATEMENT Showing condition at the close of business December 31, 1963, of
CITIZENS BANK Vienna, Ga.

As called for by the Superintendent of Banks

W. G. WILLIAMSON, President.
Date of Charter: 6-24-1931

W. G. WILLIAMSON, Cashier.
Began Business: 7-1-1931

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection . $ United States Government obligations, direct and guaranteed .. Obligations of States and political subdivisions . . . . . . . . .. Other bonds, notes, and debentures Corporate stocks (including stock of Federal Reserve Bank) . . . ... Loans and discounts (including overdrafts) . . . . . . . . . . . Bank premises owned, furniture and fixtures . . . . . . . . . . . . .... Real estate owned other than bank premises . . . . . . . . . ...... . Investments and other assets indi-
~~c~~he~ei!~iee~i~nt~ ba~k premises
Customers' liability to this 'b~~k .on acceptances outstanding
Other Assets ..
Total Assets

398,011.70 510,955.14
21,000.00 300,000.00
None 1,012,444.78
17,895.67 None
None None None 2,260,307.29

LIABILITIES

Demand deposits.

.$

Time deposits . . . . . . . . . ...

Deposits of U. S. Government.

Deposits of States and political sub-

divisions . . .

Deposits of banks. . . . . . . . . ...

Other deposits (certified and officers'

checks, etc.)

Bills payable . . . . . . . . . . . .

Acceptances executed by or for ac-

count of this bank and outstand-

ing ........ .

Other liabilities

Capital

Surplus

Undivided profits.

Reserves

1,247,092.59 353,873.80 21,540.66
362,634.17 None
6,707.16 None
None None 50.000.00 100,000.00 118,458.91 None

Total Liabilities ..

. $ 2,260,307.29

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF VILLA RICA Villa Rica, Ga.

As called for by the Superintendent of Banks

J. G. KNIGHT, JR.

SAM C. ANDERS,

President.

Cashier.

Date of Charter: 5-4-1899

Began Business: 5-1899

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~a!i?~s of States and political

subdivisiOns . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

. . . ..

.

Bank premises owned, furniture and

fixtures ............... .

Real estate owned other than bank

premises

. . ........... .

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

549,769.13 1,38.4,928.31
46,056.53 None None
1,034,376.94 23,500.00 None
None None 745.24

Total Assets

$ 3,039,376.15

LIABILITIES

Demand deposits.

$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks . . . . ....

Other deposits (certifit-d and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Otber liabilities

Capital

Surplus

Undivided

Reserves

1,507,116.24 752,668.60 146,587.74
282,911.13 None
2,819.65 None
None 21.016.00 100,000.00 100,000.00 76,256.79 50,000.00

Total Liabilities

3,039,376.15

150

DEPARTMENT
-----------------------

OF

BANKING
--------

STATEMENT

Showing condition at the close of business December 31, 1963, of

BANK OF WADLEY Wadley, Ga.

As called for by the Superintendent of Banks

S. P. CHAPMAN, JR., President.
Date of Charter: 1-29-1902

ASSETS Cash, balances with other banks, in~
eluding reserve balances, and cash

items in process of collection . $ United States Government obliga-

tions, direct and guaranteed . Obligations of States and political

subdivisions . . . . . . . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) Loans and discounts (including over-

drafts)

...

. ....

Bank premises owned, furniture and

R:!lt~~::te owned. othe; .th.an ba~k

premises

. . . . . . . . . . ....

Investments and other assets indi-

rectly representing bank premises

or other real esta tc Customers' liability to this bank on

acceptances outstanding

Other Assets

206,282.21 436,222.50 208,566.72
74,812.50 None
884,630.36 5,065.00 None
None None 7,793.52

P. G. EDENFIELD, JR.,

Cashier.

Began "Business: 1-1902

----~

LIABILITIES

Demand deposits.

.$

Time deposits . . . . . . . .

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks ............. .

Other deposits (certified and officers'

checks, etc.) . . . .

. .....

Bills payable

..... ... . .

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus Undivided

pr~fit~.

Reserves

787,433.44 685,578.32
49,870.00
82,189.40 )'jane
41,849.18 None
None 16,190.62 50,000.00 30,000.00 80,261.85
None

Total Assets

$ 1,823,372.81

Total Liabilities

. $ 1,823,372.81

STATEMENT Showing condition at the close of business December 31, 1963, of
THE BANK OF WARNER ROBINS Warner Robins, Ga.

As called for by the Superintendent of Banks

CHARLES L. WILLIAMS, SR., President.
Date of Charter: 4-25-1956

JAS. S. FARR, Cashier. Began Business: 1-4-1957

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

sub,:livisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including ove-r-

drafts)

. . . ..

Bank premises owned, furniture and

fixtures

.... .. .. .

Real estate O\vned other than bank

premises

. ..

.

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

562,599.20 "1,358,497.13
617,843.94 295,000.00
None 2,238,595.84
58,086.43 None
None None 29,495.70

Total Assets

5,160,118.24

LIABILITIES

Demand deposits.

.$

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks. . . . ..... .

Other deposits {certified and officers'

checks, etc.)

Bills payable .

Acceptances executed by or for ac-

count of this bank and outstand-

ing ..... .

Other liabilities

Capital

Surplus

Undivided

Reserves

2,644,303.18 950,313.98 241,600.40
775,635.79 None
3,753.47 None
None 171,116.60 133,400.00
75,000.00 162,019.43
2,975.39

Total Liabilities

$ 5,160,118.24

FORTY-F.OURTH ANNUAL REPORT

151

STATEMENT
Showing condition at the close of business December 31, 1962, of CITIZENS STATE BANK Warner Robins. Ga.

As called for by the Superintendent of Banks

H. P. FLEMING, President.
Date of Charter: 12-13-1950

J. W. CREAMER, Cashier.
Began Business: 1-2-1951

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed .

Obligations of States and political

subdivisions . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . . .

Loans and discounts (including over-

drafts)

.. .



Bank premises owned, furniture and

fixtures . . . . . . . . .

Real estate owned other than bank

premises

. . . ........ .

Investments and other assets indi-

rectly representing bank premises

or other real estate . . . . . .

Customers' liability to this bank on

acceptances outstanding

Otber Assets

1,326,147.69 931,302.39 489,895.63 149,500.00 None
3,049.998.29 146,637.65 None
None None 7,775.18

Total Assets

. $ 6,101,256.83

LIABILITIES

Demand deposits

$

Time deposits . . . . . . . . . . .

Deposits of U. S. Government. .

Ddi~i!f~n~f S~ate_s ~nd p~~i-t~~~1 s~~~

Deposits of banks . . . . . . ..... Other deposits (certified and officers'
checks, etc.) Bills payable . . . . . . . . . ...... .
Acceptances executed by or for account of this bank and outstanding ..... .
Other liabilities Capital Surplus .. Undivided profits. Reserves

2,861,343.34 1,508,459.36
86,483.60
932,877.84 None
2,108.33 None
None 266,963.25 200.000.00 150,000.00
93,021.11 None

Total Liabilities ..

$ 6,101,256.83

STATEMENT
Showing condition at the close of business December 31, 1962, of CIT.IZENS BANK Warrenton, Ga.

As called for by the Superintendent of Banks

DENHAM CASON,

LANE S. McELVEEN,

President.

Ca&hier.

Date of Charter: 4-14-1902

Began Business: 41902

ASSETS

Cash, balances with other .banks, in-

cluding reserve balances, a!ld cash

itr-ms in process of collectiOn . . $

United State-s Government obliga-

tions direct and guaranteed . . Obligations of Stat~s and political

subdivisions . . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

F<'Jeral Reserve Bank) . . . . .

Loans and discounts (including over-

drafts) . . . . . . . . . .

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

... .. . .........

Investments and other assets indi-

rectly representing bank premises

or other real estate . . . . . . . . .

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets.

369,478.49 954,27 4.10 519,120.54
None None 1,603,764.55 43,513.56 None

LIABILITIES

Demand deposits

.$

Time deposits . . . . . . ..... .

Deposits of U. S. Government.

Deposits of States and political sub-

divisions

Deposits of banks. . . . . . . . . . . . . . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Otber liabilities

Capital

Surplus ..

Undivided profits.

Reserves

1,195,000.07 1,399.841.39
42,028.12
410,533.48 10,000.00
5,893.86 None
None 2.024.47 100,000.00 100,000.00 197,410.66 27,419,19

None

None None

3,490,151.24

Total Liabilities.

-'------ ------

3,490,151.24
-----~----

152

DEPARTMENT OF BANKING

STATEMENT
Showing condition at the close of business December 31, 1962, of FARMERS AND MERCHANTS BANK Washington, Ga.

As called for by the Superintendent of Banks

H. G. GARRARD,

ROBERT M. DRINKARD,

President.

Cashier.

Date of Charter: 8-10-1949

Began Businessl 3-14-1950

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed ...

Obligations of States and political

subdivisions

.. . ......... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts) . . . . . . . . .

Bank premises owned, furniture and

fixtures . . . ............... .

Real estate owned other than bank

premises . . . . . .

. .. ..

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~~k .on

acceptances outstanding

Other Assets

Total Assets

$

407,121.84 936,828.00
14,411.91 100,261.72
None 1.085,680.91
47,210.57 None
None None 3,840.86 2,595,355.81

LIABILITIES

Demand deposits.

$

Time deposits . . . . . . ..... .

Deposits of U. S. Government.

Deposits of States and political sub~

divisions

Deposits of banks . . . . . . . . . ...

Other deposits (certified and officers'

checks, etc.)

Bills payable. . .. . . . . . . . .

Acceptances executed by or for ac-

count of this bank and outstand-

ing .......... .

Other liabilities

Capital

Surplus ...... .

Undivided profits.

Reserves

712,764.43 1,258,355.09
18,621.28
371,191.66 10,721.16
3,286.34 None
None 31,543.91 100,000.00 30,500.00 51,871.94
6,500.00

Total Liabilities.

$ 2,595,355.81

STATEMENT
Showing condition at the close of business December 31, 1962, of WASHINGTON LOAN AND BANKING COMPANY Washington, Ga.

As called for by the Superintendent of Banks

F. W. THOMAS, President.
Date of Charter: 9-7-1891

FRANK W. THOMAS, JR., Cashier.
Began Business: 5-1-1895

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed ..

Obligations of States and poht1cal

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts) Bank prrmises

.. owned,

fur~iiu~e

and

fixtures ................ .

Real estate owned other than bank

premises . . . . ........... .

Investments and other assets indi-

rectly representing bank premises

or other real estate . . . . ..

Customers' liability to this bank on

acceptances outstanding

Other Assets ..

Total Assets

$

1.275,189.56 1.677,316.95
484,840.73 None None
3,567,317.91 50,001.00 None
None None None 7,054,666.15

LIABILITIES

Demand deposits

..$

Time deposits . . . . . . . .

Deposits of U. S. Government

Deposits of States and political sub-

divisions . . . .

Deposits of banks. . . . . .....

Other deposits (certified and officers'

checks, etc.) .

Bills payable . . . . . . . . ..

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus .

Undivided profits

RPserves

2,398,566.76 2,941,978.49
151,860.15
890,376.08 93,199.45
7,718.81 None
None None 145,000.00 255,000.00 170,966.41 None

Total Liabilities

$ 7,054,666.15

_________________F_O~R_T_Y_-_F_O~U~R_TH ANN_U~A_L__R_E_P__O_R__T ______________1_5_3

STATEMENT
Showing condition at the close of business December 31, 1963, of
OCONEE STATE BANK Watkinsville, Ga.

As called for by the Superintendent of Banks

C. G. HARDIGREE, SR.,
President. Date of Charter: 6-5-1959

G. E. BORDEN, Cashier.
Began Business: 2-1-1960

ASSETS

Cash, balances with other banks, in-

cludin~ reserve balances, and cash

items 10 process of collection

$

United States Government obliga-

tions, direct and guaranteed

Obli.~ations of States and political

subdivisions

. . .... . . ..

Other bonds, notes, and debentures

Corporate stocks (including stock of

F ecleral Reserve Bank) ...

Loans and discounts (including over-

drafts) .

..... . .

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises . . . . . .

. ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets.

703,553.28 154,914.41
37,986.41 None None
462,571.71 4,436.92 None
None None None 1,363,462.73

LIABILITIES

Demand deposits

.. $

Time deposits . . . . . . ....

Deposits of U. S. Government

Ddi~i~[~n~f ~~a~es and ~-ol~ti~al. ~~~-

Deposits of banks.

Other deposits (certified and officers'

checks, etc.)

Bills payable Acceptances executed

"by~~

f~r

~c

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

736,506.93 297,860.43
14,196.66
180,739.01 None
5,538.83 None
None 3,800.00 75,000.00 15,000.00 24,820.87 10.000.00

Total Liabilities

1,363,462.73

STATEMENT Showing condition at the close of business December 31, 1963, of
COMMERCIAL BANK Waycrosa, Ga.

As called for by the Superintendent of Banks

J. M. NORMAN,

P. E. PENN,

President.

Cashier.

Date of Charter: 10-15-1918

Began Business: 10-30-1918

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed . .

Obligations of States and political

subdivisions . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

.

..

.

Bank premises owned, furniture and

fixtures . . . .

... .

Real estate. owned other than bank

premises

.. .. . . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

"ba~k .on

acceptances outstanding

Other Assets

Total Assets

2,060,293.67 3,170,348.54
315,849.34 4 75,000.00
None 1,544,007.30
36,103.61 None
None None None 7,601,602.46

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks.

Other deposits (certified and officers'

checks, etc.) . .

.... . .

by Bills payable
Acceptances executed

o~ ror ac~

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

4,308,256.11 1,802,138.29
142,423.24
462,481.19 None
48,939.44 None
None 104,389.26 200,000.00 150,000.00
95,614.66 287,360.27

Total Liabilities.

7,601,602.46

154

DEPARTMENT OF BANKIN_G~~~~~~~~~-

STATEMENT Showing condition at the close of business December 31, 1963, of
SOUTHERN BANK. Waycross, Ga.

As called for by the Superintendent of Banks

RALPH HERRIN, President.
Date of Charter: 5-22-1956

JAMES W. MARR, Cashier.
Began Business: 6-11-1956

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed : Obli~ations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discOunts (including over-

drafts) .

.. .

Bank premises owned, furniture and

fixtures . . . . . . . . ..... .

Real estate owned other than bank

premises

. . . . . . ..... .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

.. this

.ba~k

on

acceptances outstanding

Other Assets

Total Assets

738,467.06 1.425,271.02
575,960.43 200,000.00
None 1,818,190.23
37,104.11 None
None None 16,341.43 4,811,334.27

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Depot;its of banks. . . . . . . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

.

Acceptances executed by or for ac-

count of this bank and outstand-

ing .... Oth~r liabilities

Capital

Surplus ..

Undivided profits.

Reserves

2,224,322.45 1,656,230.73
96,495.75
251,757.06 35,421.48
29,029.52 None
None 116,081.37 175,000.00 100,000.00
50,107.47 76,888.44

Total Liabilities

4,811,334.27

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF WAYNESBORO Waynesboro, Ga.

As called for by the Superintendent of Banks

M. K. TUCKER, President.
Date of Charter: 12-16-1890

J. W. NICHOLS, Cashier.
Began Business: 1891

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection. $

United States Government obliga-

tions, direct and guaranteed .. ;

Obligations of States and political

subdivisions .

. . .. .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank).

Loans and discounts (including over-

drafts)

. . ..

.

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises

.

. . ........

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~nk.

. on

acceptances outstanding

Other Assets

Total Assets

788,451.08 1,098,424.53
515,973.41 50,000.00 13,000.00
3,395,519.17 36,256.28 None
9,778.46 None
34,427.05 5,941,829.98

LIABILITIES Demand deposits Time deposits Deposits of U. S. Government. . De~o~i~s of States and political sub-
divisiOns . . . . . . . . . ... . Deposits of banks . . . . . . . . ... . Other deposits (certified and officers'
checks, etc.) Bills payable . . . . Acceptances executed by or for ac-
count of this bank and outstanding ....
Other liabilities Capital Surplus Undivided profits. Reserves

2,061,804.45 2.511,752.25
126,385.7 4
508,933.65 32,639.07
30,276.67 None
None 247,357.75 150,000.00 200,000.00
72,680.40 None

Total Liabilities.

5,941,829.98

FORTY-FOURTH ANNUAL REPORT

155

ST ATE:\IENT Showing condition at the close of business December 31, 1963, of
THE PEOPLES BANK Willacoochee, Ga.

As called for by the Superintendent of Banks

CHAS. T. LODER, President.
Date of Charter: 1-4-1952

M. B. LODER, Cashier.
Began Business: 1-15-1952

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

:-~ubdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fetlcral Reserve Bank)

Loans and discounts (including over-

drafts)

.. ..

Bank premises owned, furniture and

fixtures

. . . . . . . . . ...

Real estate owned other than bank

premises

..

Investments and other assets indi-

rectly r>prescnting bank premises

or other rPal estate

Customers' liability to this bank on

acceptances outstanding

Oth"r Assets

Total Assets

159,025.56 248,527.08
5,000.00 None None
286,980.:l~J
8,014.H None
None }June 248.00 707,795.47

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government.

Deposits of States and political sub-

divisions .

. .... .

Deposits of banks. . . . . . . ..... .

Other deposits (certified and officers'

checks, etc.)

Bills payable

.

Acceptances executed by or for ac-

count of this bank and outstand-

ing ..

Other liabilities

Capital

Surplus

Undivided

Reserves

273,!)4G.78 293,999.14
7,967.28
72,598.89 None
1,725.00 None
None None 30,000.00 17,500.00 10,059.3S None

Total Liabilities

707,795.47

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF BARROW Winder, Ga.

As called for by the Superintendent of Banks

JAMES HARRISON, President.
Date of Charter: 3-12-1951

L. P. HIX, Cashier.
Began Business: 3-17-1951

ASSETS

Cash, balances with other banks, in-

cluding resf.'rve balances, and cash

items in process of collection .. $

United States Government obliga-

tions, direct and guaranteed . .

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

..

Bank premises owned, furniture and

fixtures . . . . . . .

..

Real estate owned other than bank

premises

. .. .. . .....

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~~k .un

acceptances outstanding

Other Assets

1,850,246.30 1,216,055.69
611,883.93 249,000.00
None 1,889,344.80
7,395.07 None
None None 23,242.89

Total Assets

$ 5,847,168.68

LIABILITIES Demand deposits.
Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks. . . . . . . . . . Other deposits (certified and officers'
checks, etc.) Bills payable . . Acceptances executed by or for ac-
count of this bank and outstanding ..... .
Other liabilities Capital Surplus Undivided profits Reserves

4,026,488.85 768,871.45 112,644.82
411,645.3~1
None
I 0,493.64 None
None 124,628.24 125,000.00 190,000.00
77,396.29 None

Total Liabilities

5,847,168.68

156

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
mE PEOPLES BANK Winder, Ga.

As called for by the Superintendent of Banks

C. 0. MADDOX, JR., President.
Date of Charter: 10-29-1926

J. B. LANGFORD, Cashier.
Began Business: 10-30-1926

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .

United States Government obliga-

tions, direct and guaranteed ..

Obligations of States and political

subdivisions .

.... .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . ..

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures . . . . . . . . .....

Real estate owned other than bank

premises

. . ..

. ...... .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~~k .on

acceptances outstanding

Other Assets.

877,562.03 1,560,000.00
718,964.93 200,000.00
None 1,324,193.01
43,550.00
~5,957.50
None None None

Total Assets

$ 4,760,227.47

LIABILITIES

Demand deposits

Time deposits .

Deposits of U. S. Governmt"nt

Deposits of States and political .mb~

divisions . .

.

Deposits of banks. . . ..

Other deposits {certified and officers'

checks, etc.)

Bills payable . . . . . . . . . .

Acceptancl:'s executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus ..

Undivided profits.

Reserves

3,110,272.8[' 968,769.4i 95,382.1
132,644.64 None
14,281.00 None
None 87,891.66 100,000.00 150,000.00 25,000.00 75,985.68

Total Liabilities

$ 4,760,227.47

STATEMENT Showing condition at the close of business December 31, 1963, of
THE CAMDEN COUNTY STATE BANK Woodbine, Ga.

As called for by the Superintendent of Banks

J. C. NEWTON, President.
Date of Charter: 6-24-1947

E. F. PARKER, Cashier.
Began Business: 1-2-1948

~~-=--=--~-~==--~====cc=========

ASSETS Cash balances with other banks, in-
clu'ding reserve balances, and cash
iterns in process of collection .. $ United States Government obliga-
tions, direct and guaranteed .. : Obligations of States and poht1cal

414,807.07 415,883.4(;

LIABILITIES

Demand deposits..

. .$

Time deposits

Deposits of U. S. Government. .

Deposits of States and political sub-

divisions

Deposits of banks ..

384,744.31 686,053.16
2,498.58
219,976.42 None

SUbdlVISIOllS

. . . .... ...

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank) . . . ...

LO'ans and discounts (including over-

drafts) . . . . .. Bank premises owned,

fur.~iiur~

a~d

Rf!it~~:~te ~~n~d ~th~~ .th~~ b~~k

premises

. . . ........ .

Investments and other assets indi-

rectly representing bank premises

10,000.00 None None
595,825.17 3,300.00 None

Other deposits (certified and officers' checks, etc.) .
Bills payable . . . . . . . Acceptances executed by or for ac-
count of this bank and outstand-
ing Other liabilities Capital Surplus Undivided profits .. Reserves

11,561.85 None
None 5,364.37 50,000.00 50,000.00 29,617.00
None

or other real estate . . . . . . . .

None

Customers' liability to this bank on

acceptances outstanding

None

Other Assets ..

None

Total Assets.

$ 1,439,815.69

Total Liabilities.

1,439,815.69

FORTY-FOURTH ANNUAL REPORT

157

STATEMENT Showing condition at the close of business December 31, 1963, of
THE WOODBURY BANKING COMPANY Woodbury, Ga.

As called for by the Superintendent of Banks

T. H. CARROLL, President.
Date of Charter: 9-29-1902

M. 0. CAMPBELL, Cashier.
Began Business: 9-29-1902

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Fctleral Reserve Bank)

Loans and discounts (including over-

drafts) .

.. ..

.

Bank premises owned, furniture and

fixtures

. . . . . . . ....

Real estate O\\-'Ued other than bank

premises

.. ..

. ...

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank on

acceptances outstanding

Other Assets

Total Assets

.$

225,769.65 238,904.88
None 618,408.73
None 811,999.53
1,000.00 5,981.00
None None None 1,902,063.79

LIABILITIES

Demand deposits.

.$

Time deposits . . . . . . . . . .

Deposits of U. S. Government

Deposits of States and political suhM

divisions

Deposits of banks . . . . . . .....

Other deposits (certified and officers'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

800,121.44 746,919.17
6,726.33
100,873. S2 None
1,678.55 None
None 3,000.00 50,000.00 50,000.00 127,884.48 14,860.00

Total Liabili tics .

1,902,063.79

STATEMENT Showing condition at the close of business December 31, 1963, of
THE WOODLAND BANK Woodland, Ga.

As called for by the Superintendent of Banks

J. H. WOODALL,

C. E. MILLER,

President. Date of Charter: 11-18-1907

Cashier. Began Business: 11-25-1907

ASSETS

Cash, balances with other banks, in-

c1uding reserve balancf"s, and cash

i terns in process of collection

United States Government obliga-

tions, direct and guaranteed

Obli~ations of Statrs and political

subdivisions

Otht>r bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including overM

drafts)

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

premises

. . . . . ..... .

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

ba.~k

on

acceptances outstanding

Other Assets

Total Assets

$

111,881.18 384,_489.47
5,000.00 70,000.00
None 93,582.79
2.00 None
None None None 664,955.44

LIABILITIES

Demand deposits.

. .. $

Time deposits

Dt:'posits of U. S. Govt>rnment

Deposits of Statts and political sub-

divisions

Deposits of banks

Other deposits (cf"rtified and officers'

checks, etc.)

Bills payable

Acceptances ext"cuted by or for ac-

count of this bank and outstand-

ing

Otht'r liabilities

Capital

Surplus

Undivided profits

Rf"<.;f'fV('S

464,335.45 44,151.22 55,439.59
22,406.22 None
753.35 None
None None 25,000.00 25,000.00 27,869.61 None

Total Liabilities

664,955.44

158

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF WOODSTOCK Woodstock, Ga.

As called for by the Superintendent of Banks

SMITH L. JOHNSTON, President.
Date of Charter: 11-13-1905

ARTHUR L. POOR, Cashier.
Began Business: 11-13-1905

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection

United States Government obliga-

tions, direct and guaranteed .

Obligations of States and political

subdivisions

.. . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

Real estate owned other than bank

premises

.. ..

..

Investments and other assets indi-

rectly representing bank premises

or other real estate

Customers' liability to this bank. on

acceptances outstanding

Other Assets

Total Assets

141,117.75 486,778.75
97,476.37 89,975.00
None 755,382.64
None
None None 1,578.11 1,591,921.96

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Government

Deposits of States and political sub-

divisions

Deposits of banks. . . . . . . . . .

Other deposits (certified and officers'

checks, etc.)

Bills payable

..

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided profits

Reserves

684,163.12 552,461.27
8,364.49
137.~34.15
None
15,272.49 None
None 31,920.05 50,000.00 100,000.00 11,906.39
None

Total Liabilities

1,591,921.96

STATEMENT Showing condition at the close of business December 31, 1963, of
BANK OF WRIGHTSVILLE Wrightsville, Ga.

As called for by the Superintendent of Banks

W. H. LOVETT, President.
Date of Charter: 2-16-1897

J. B. FULGHUM, Cashier.
Began Business: 2-16-1897

ASSETS

Cash, balances with other banks, in-

cluding rt:'serve balances, and cash

items in process of collection 8

Cnited States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reser\'e Bank) .

..

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

.. . ....... .

Real estate owned other than bank

premises

.. . .. ........

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

b~nk

on

acceptances outstanding

Other Assets

455,988.47 l,Hi4,131.94
38,468.RO 2 81,7 4 1. 7 0
None 1,733,876.69
82,854.90 None
None None None

Total Assets

3,757,062.50

LIABILITIES Demand deposits. Time deposits Deposits of U. S. Government Deposits of States and political sub-
divisions Deposits of banks. . . . . . . .... Other deposits (certified and officers'
checks, etc.) Bills payable Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities
Capital Surplus
Undivided profits. Reserves

1,487,641.92 1,418,995.59
26,557.1D
417,012.18 76,021.29
15,160.74 None
None None 100,000.00 125,000.00 90,673.59 None

Total Liabilities

3,757,062.50

FORTY-FOURTH ANNUAL REPORT

159

STATEMENT
Showing condition at the close of business December 31, 1963, of
THE EXCHANGE BANK OF WRIGHTSVILLE Wrightsville, Ga.

As called for by the Superintendent of Banks

FRANCIS F. SHURLING, President.
Date of Charter: 12-20-1909

NANNELLE FROST, Cashier.
Began Business: 12-20-1909

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection $

United States Government obliga-

tions, direct and guaranteed

Obligations of States and political

subdivisions

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal RC"servc Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. . . .. ..

Real tstatc O\vned other than bank

premises . .

.

....

Investments and other assets indi-

rectly representing bank premises

or other real estate Customers' liability to

this

.ba~k

on

acceptances outstanding

Other Assets

Total Assets

229, 75 g.31 446,465.84
9,077.40 None None
1,3Ku,546.24 20,110.57 None
None None 3,120.00 2,095,078.36

LIABILITIES

Demand deposits.

Time- deposits

Deposits of U. S. Gove-rnment

Deposits of States and political sub-

divisions

Deposits of banks.

Other deposits {certified and officers'

checks, etc.)

Bills payable

. ..

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

Undivided

Reserves

1,009,489.54 453,688.60 17,592.68
323,900.72 None
16,775.15 None
None None 50,000.00 150,000.0J 73,631.67 None

Total Liabilities

2,095,07R.36

STATEMENT Showing condition at the close of business December 31, 1963, of
THE BANK OF ZEBULON Zebulon, Ga.

As called for by the Superintendent of Banks

J. J. EDWARDS, President.
Date of Charter: 3-18-1905

J. H. BAKER, Cashier.
Began Business: 1-31-1905

ASSETS

Cash, balances with other banks, in-

cluding reserve balances. and cash

items in process of collection . $

United States Government obliga-

tions, direct and guaranteed

Obli~ations of StatPs and political

subdivisions

Otht'T bonds, notes, and debentures

Corporate stocks (includin~S stock of

Federal Reserve Bank)

Loans and discounts (including over-

drafts)

Bank premises owned, furniture and

fixtures

. ...

Real estate owned other than bank

premises

.. .. . .....

Investments and other assets indi-

rectly representing bank pr('mises

or other real estate

Customers' liability to this bank on

acceptances outstandin~

Other Assets

Total Assets
-----------

355,840.23 621,483.13
42,050.G9 110,103.12
None 471,238.74
4,935.15 None
None Nont' 518.17 1,606,169.13

LIABILITIES

Demand deposits

Time deposits

Deposits of U. S. Governmf'nt

DPposits of States and political .sub-

divisions

Deposits of banks .

..

Other deposits (certifiPd and officf'rs'

checks, etc.)

Bills payable

Acceptances executed by or for ac-

count of this bank and outstand-

ing

Other liabilities

Capital

Surplus

UndividPd profits

Re<>crves

621,832.71 619,7 85.59
7,7n.o4
143,137.45 None
11,110.46 None
None 7,796.91 50,000.00 GO,OOO.OO 84,712.97 10,000.00

Total Liabilities

1,606,169.13