Forty-fifth annual report [1964]

F o r t y - fifth Annual Report
SUPERINTENDENT of BANKS
of GEORGIA

1964

W. M. JACKSON Superintendent of Banks

STATE OF GEORGIA
Department of Banking
Created by Act Approved August 16, 1919
*
Forty-fifth Annual Report
YEAR ENDING DECEMBER 31, 1964
*
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, Superintendent of Banks

IV

DEPARTMENT OF BANKING

OFFICIAL ROSTER
DECEMBER 31, 1964

Exhibit "A"

W. M. Jackson, Superintendent of Banks . . . . . . . H. W. Goodloe, Jr., Assistant Superintendent of Banks .
SENIOR BANK EXAMINERS Aycock, M. T., Decatur, Ga. . . . . Brooks, B. T., Stone Mountain, Ga.. Brown, J. B., Vidalia, Ga. . . . . . Callier, Robert,H., Jr., Dublin, Ga.. Jones, Frank J ., Chula, Ga. . . . Martin, E. G., Decatur, Ga. Paxton, Walter A., Albany, Ga.. Sams, M. 0., Atlanta, Ga. . . . Shannon, Wm. E., Jr., Albany, Ga.
ASSISTANT BANK EXAMINERS Bentley, Wm. A., Atlanta, Ga.. Brown, Harold S., Vidalia, Ga.. Fisher, D. W., Dublin, Ga. . . . Griswold, James H., Albany, Ga. Miller, Hubert C., Albany, Ga. . Mimbs, Norman E., Albany, Ga. Moler, Robert M., Decatur, Ga.. Morris, Reece C., Decatur, Ga. . Smith, E. B., III, Atlanta, Ga.. Taylor, E. Forrest, Doraville, Ga.
OFFICE ASSISTANTS Binkney, Mary, Senior Clerk . . ... Cunningham, Lucy T., Senior Clerk .. Ethridge, LaVerne Jean, Senior Clerk . Etheridge, Robin N., Senior Clerk Jones, Evelyn W., Accountant . . . . Lee, Dorothy L., Principal Clerk . . . Mayfield, Sandra B., Principal Stenographer . Wyrick, Annette S., Confidential Secretary
CREDIT UNIONS Arnold, Thomas G., Credit Union Supervisor . . Grovensteen, George W., Credit Union Examiner . Gunn, Robert H., Credit Union Examiner
Rogers, Thomas D., Porter . . . . . . . . . . .

Annual Salary . $16,908.00 11,436.00
.$ 9,888.00 9,888.00 9,888.00 9,888.00 8,544.00 8,544.00 9,888.00 8,544.00 7,032.00
.$ 6,372.00 7,380.00 6,372.00 6,072.00 6,072.00 7,032.00 5,784.00 6,072.00 5,244.00 6,072.00
.$ 3,540.00 4,752.00 4,992.00 3,720.00 6,696.00 4,308.00 4,104.00 6,696.00
.$ 8,136.00 7,752.00 7,752.00
2,772.00

DEPARTMENT OF BANKING STATE OF GEORGIA ATLANTA

The Honorable Carl E. Sanders, Governor of Georgia, State Capitol, Atlanta, Georgia.

December 31, 1964

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-fifth Annual Report of the Department of Banking for the year ending December 31, 1964.
The data contained herein is taken from the annual reports and statistical information made available to this office through examinations and investigations.
The Report discloses that nine new State banks were chartered during 1964, which included one National bank and two private bank conversions. Approval of five additional bank offices was granted. Also, a number of amendments updating the State Banking Law were enacted at the 1964 session of the General Assembly, and other important legislation has been recommended for enactment at the 1965 session of the Legislature.
The consolidated year-end report reflects an all-time high deposit total of $1,886,050,852, representing an increase of 11.03%. Total assets amounted to $2,114,911,628, an increase of 11.26%. Loans and discounts, after valuation reserves, amounted to $1,019,932,445, representing 48.2% of total assets. Total capital funds of $187,213,183, represented 8.9% of total assets, and the ratio of capital funds to risk assets ranks favorably among the top states in the nation.
In summary, the development and economic progress of the State is reflected in the growth of its financial institutions. It is my opinion that the financial condition of our State banks is excellent, and that they contribute substantially to the economic growth of our State.

Respectfully,
W. M. Jackson Superintendent of Banks

FORTY-FIFTH ANNUAL REPORT

v
Exhibit "B"

DEPARTMENT OF BANKING, STATE OF GEORGIA

RECEIPTS AND DISBURSEMENTS 1964

RECEIPTS Balance January 1, 1964.................... $ 1,516.92 Received from Appropriation. . . . . . . . . . . . . . . . 344,366.23 Miscellaneous Income ...................... . 428.30
$346,311.45

DISBURSEMENTS

Superintendent's Salary ....................$ 16,494.00

Assistant Superintendent's Salary............ 10,473.00

Examiners' Salaries ......................... 174,340.83

Office Assistants' Salaries. . . . . . . . . . . . . . . . . . . 37,803.33

Per Diem and Fees. . . . . . . . . . . . . . . . . . . . . . . . . . 716.50

Travel Expenses .. .. .. .. .. .. .. .. .. .. .. .. .. . 57,209.74

Supplies and Material...................... 2,347.93

Communication . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,260.26

Printing and Publicity. . . . . . . . . . . . . . . . . . . . . . 8,091.43

Repairs and Alterations... . . . . . . . . . . . . . . . . . .

779.47

Rent (Equipment) . . . . . . . . . . . . . . . . . . . . . . . . 1,245.22

Insurance and Bonding. . . . . . . . . . . . . . . . . . . . . . 837.45

Pensions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26,022.42

Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,805.90

Miscellaneous . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

858.75

$346,286.23

Balance December 31, 1964 ............. .

$ 25.22

VI

DEPARTMENT OF BANKING

CHARTERS APPROVED

NAME OF BANK
The Fayette State Bank . Mcintosh State Bank . . . First State Bank Forsyth County Bank . . . . . The Citizens Bank of Clayton County Spivey State Bank . . . . . . . . . The First State Bank . . . . . . .

LOCATION
Tyrone .. Jackson . Wrens .. Cumming. Forest Park Swainsboro . Stockbridge .

CHARTERS DISAPPROVED

Exhibit "C"
APPROVED
1-31-64 2-14-64 2-25-64 5-13-64 6-26-64 8-19-64 9-17-64
Exhibit "D"

NAME OF BANK
Lanier State Bank . . . Jekyll Island Bank . . . Jekyll Island State Bank Bank of Chester . . . . Glynn State Bank . . .

LOCATION
Lakeland .. Jekyll Island Jekyll Island Chester .. Brunswick .

RENEWAL OF CHARTERS APPROVED

DISAPPROVED
7-13-64 9-14-64 9-14-64 9-14-64 9-17-64
Exhibit "E"

NAME OF BANK
Bulloch County Bank . . . Bank of Fulton County . Habersham Bank Darby Ban_king Company, Inc. Bank of Clayton . . . . . The Tattnall Bank . . . . American Bank of Atlanta The Bank of Edison . . . Bank of Cumming . . . .

LOCATION
Statesboro . East Point . Clarkesville Vidalia Clayton Reidsville Atlanta . Edison .. Cumming.

APPROVED
1-17-64 1-17-64 4-13-64 5- 8-64 5-27-64 6- 4-64 6-12-64 7-27-64 9- 4-64

Exhibit "F" REVIVAL AND RENEWAL OF CHARTERS APPROVED

NAME OF BANK
Bank of Ringgold .

LOCATION
Ringgold ..

PERMITS TO BEGIN BUSINESS

APPROVED
10-13-64 Exhibit "G"

NAME OF BANK
The Fayette State Bank . . Bank of Monticello . . . . . The South Cobb Bank . . . First State Bank . . . . . Fort Oglethorpe State Bank Mcintosh State Bank . . . . Forsyth County Bank . . . The First State Bank . . . . . . . . The Citizens Bank of Clayton County .

LOCATION
Tyrone .. Monticello Mableton . Wrens ..... Fort Oglethorpe. Jackson Cumming . Stockbridge . Forest Park.

BEGAN BUSINESS
2- 1-64 2-10-64 3- 2-64 7- 6-64 8- 7-64 9-18-64 9-26-64 10- 8-64 11-21-64

FORTY-FIFTH ANNUAL REPORT

VII

Exhibit "H" APPLICATIONS TO INCREASE CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

APPROVED AMOUNT OF INCREASE

Bank of Milan

. Milan

1- 3-64

Perry Loan and Savings Bank . Perry

1-14-65

The Farmers Bank

. Douglas

1-14-64

Savannah Bank and Trust

Company of Savannah .

. Savannah

1-20-64

Bank of Rutledge .

. Rutledge

1-24-64

First State Bank & Trust Company .

. Albany

2- 4-64

Bank of Ellaville

. Ellaville

2-12-64

Hardwick Bank & Trust Company

. Dalton

2-14-64

Bank of Dudley .

. Dudley .

2-14-64

Citizens Bank

. Cairo

2-17-64

Darby Banking Company

. Vidalia

2-18-64

Austell Bank

. Austell

2-20-64

Citizens Bank of Alpharetta

. Alpharetta

2-21-64

Washington Loan and Banking

Company

. Washington

2-24-64

Exchange Bank

. Milledgeville 2-26-64

Trust Company of Georgia .

. Atlanta

2-27-64

The Brand Banking Company . Lawrenceville . 3- 3-64

Citizens Bank

. Warrenton

3-10-64

The Bank of Sharon .

. Sharon.

3-13-64

The State Bank of Leesburg . . Leesburg .

3-23-64

Bank of Forest Park .

. Forest Park 3-31-64

Sylvester Banking Company . . Sylvester .

4- 2-64

Northeastern Banking Company . Commerce

4-13-64

The Bank of Dalton .

. Dalton .

4-17-64

Empire Banking Company .

. Homerville

4-21-64

The Citizens Bank.

. Fort Valley

4-21-64

Bank of Cumming.

. Cumming

5-29-64

The Hinesville Bank.

. Hinesville

6- 9-64

Farmers and Merchants Bank . . Dublin .

8-24-64

The Citizens Bank of Alpharetta . Alpharetta

9- 1-64

The Peoples Bank .

. Eatonton

9- 1-64

Citizens Bank of Hapeville

. Hapeville

9-11-64

Planters & Citizens Bank

. Camilla

9-14-64

Bank of Jonesboro

. Jonesboro

9-22-64

Marietta Commercial Bank.

. Marietta

. 10- 6-64

The Farmers Bank .

. Douglas

. 10-26-64

The Citizens State Bank.

. Reynolds . . 10-30-64

The Rockmart Bank .

. Rockmart . 11- 4-64

Georgia Bank & Trust Company . Macon

. 11-16-64

Luthersville Banking Company . . Luthersville . 12-16-64

The Bank of Georgia

. Atlanta

. 12-21-64

The Bank of LaFayette

. LaFayette . 12-22-64

$ 35,000 to$ 100,000 to 165,000 to

70,000 200,000 200,000

1,500,000 to 1,650,000

25,000 to

50,000

775,000 to 25,000 to

800,000 50,000

200,000 to 50,000 to 75,000 to
100,000 to 212,500 to 100,100 to

250,000 150,000 100,000 150,000 250,000 140,140

145,000 to 200,000

260,000 to 273,000

5,000,000 to 10,000,000

100,000 to 200,000

100,000 to 200,000

25,000 to 175,000

25,000 to

50,000

200,000 to 280,000

100,000 to 150,000

50,000 to

75,000

100,000 to 200,000

50,000 to 100,000

80,000 to 100,000

100,000 to 200,000

60,000 to 150,000

200,000 to 250,000

140,140 to 150,000

50,000 to 100,000

450,000 to 600,000

150,000 to 250,000

200,000 to 240,000 to

250,000 320,000

200,000 to 250,000

75,000 to 100,000

100,000 to 150,000

812,500 to 1,000,000

25,000 to

50,000

1,500,000 to 1,700,000

150,000 to 200,000

VIII

DEPARTMENT OF BANKING

Exhibit"!"

APPLICATIONS TO REDUCE PAR VALUE OF CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

PAR VALUE REDUCED

OF STOCK

TO

APPROVED

Citizens Bank

. Warrenton

. $100.00

$20

3-10-64

The Bank or Sharon .

. Sharon ..

100.00

10

3-13-64

The Bank of Dalton .

. Dalton ..

100.00

10

4-17-64

Bank of Cumming . .

. Cumming .

100.00

10

5-29-64

The Hinesville Bank . . . . . . Hinesville

100.00

10

6- 9-64

Farmers and Merchants Bank . Dublin ..

100.00

20

8-24-64

Roswell Bank . . . . . . . . . Roswell ..

100.00

10

8-27-64

Citizens Bank of Alpharetta . . Alpharetta

19.25

10

9- 1-64

Bank of Jonesboro . . . . . . . Jonesboro

100.00

10

9-22-64

Luthersville Banking Company . . Luthersville

100.00

10

12-16-64

Exhibit "J"

MISCELLANEOUS APPLICATIONS TO AMEND CHARTERS APPROVED

NAME OF BANK
Bank of Fulton County Darby Banking Company Darby Banking Company The Bank of Sharon . The Bank of Sharon .
Bank of Jonesboro .

LOCATION

NATURE OF AMENDMENT APPROVED

East Point ... To acquire trust powers
. Vidalia ...... To acquire trust powers
. Vidalia ...... To change its name to Darby Banking Co., Inc.
. Sharon ...... To change location to Augusta
. Sharon ...... To change name to The Citizens State Bank of Augusta
. Jonesboro ... To atquire trust powers

1-17-64 2-18-64 2-18-64 3-13-64
3-13-64 9-22-64

Exhibit "K" CONVERSION OF NATIONAL BANK INTO STATE BANK APPROVED

NAME OF BANK

LOCATION To OPERATE As APPROVED

The First National Bank of Monticello ... Monticello .. Bank of Monticello .. 2-8-64

APPROVAL OF SURRENDER OF CHARTER

Exhibit "L"

NAME OF BANK
The Farmers Bank . . .

LOCATION
. Blythe ..

APPROVED
4-22-64

FORTY-FIFTH ANNUAL REPORT BRANCH BANKS AS OF DECEMBER 31, 1964

IX Exhibit "M"

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 Branch

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 Bank . . . . . . . . . . . . . . . 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 "M"-Cont'd

BRANCH BANKS AS OF DECEMBER 31, 1964

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, 1964

NAME OF OFFICE

NAME OF PARENT

BEGAN LOCATION BUSI!'iESS

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

Trust Company of Georgia,

Chattahoochee Office,

1221 Chattahoochee

Avenue, N.W........... Trust Company of Georgia .... . Atlanta

Richmond County Bank,

Cherokee Office,

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

Austell Bank,

Bankhead Office,

1985 Bankhead Hwy., S.W... Austell Bank ................ . Austell

Peachtree Bank and Trust

Company,

Peachtree Road Office,

Peachtree Bank and

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

The Citizens and Southern

Emory Bank,

Toco Hills Office,

LaVista and North Druid The Citizens and Southern

Hills Roads ................. Emory Bank................ Decatur

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
6-10-64 12- 2-63
1- 2-64
2-11-63
12-14-64

FORTY-FIFTH ANNUAL REPORT

XI

Exhibit "M"-Cont'd BANK OFFICES AS OF DECEMBER 31, 1964

NAME OF OFFICE

NAME OF PARENT

LOCATION

BEGAN BUSINESS

Farmers and Merchants Bank, Bellevue Office, 606 Bellevue Avenue ....... Farmers and Merchants Bank ... Dublin
The Citizens Bank, The Citizens Bank on the Square Office. . . . . . . . . . The Citizens Bank ............. Gainesville

7- 9-64 2-18-63

Citizens Bank of Hapeville, International Park Airport Office ............. Citizens Bank of Hapeville ..... Hapeville

7-24-63

The Brand Banking Company,

Brand Bank Drive-in, 492 E. Crogan Street ....... The Brand Banking Company ... Lawrenceville 8-22-64
Marietta Commercial Bank, Downtown Office ........... Marietta Commercial Bank. . . . . Marietta 10- 2-61

Exchange Bank,

Milledge-

Southside Office ........... Exchange Bank. . . . . . . . . . . . . . . ville Bank of Smyrna,

9-20-63

South Cobb Office,

685 S. Cobb Drive ........ . Bank of Smyrna .............. Smyrna Sea Island Bank,

11-14-63

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

Citizens State Bank,

Warner

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

6-16-62 5- 9-63

FACILITIES AS OF DECEMBER 31, 1964

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

First State Bank & Trust Co.,

Turner Air Force

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

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

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

Columbus Bank & Trust Co.,

Columbus Bank &

Ft. Benning Facility .......... . Trust Company .......... . Columbus

Commercial State Bank

Drive-in,

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

viile

Merchants and Farmers Bank,

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

ville

7- 2-56 9-21-53 1-19-42 2-20-20
12-17-63 11-13-61

XII

DEPARTMENT OF BANKING

Exhibit "M"-Cont'd

FACILITIES AS OF DECEMBER 31, 1964

NAME OF FACILITY

NAME OF PARENT

BEGAN LOCATION BUSINESS

Bank of Fort Valley Drive-in Bank Facility, 200 N. Macon Street ........... Bank of Fort Valley ....... . Fort Valley
The Citizens & Southern Bank of LaGrange Drive in Facility, The Citizens & Southern Main, Broome and Bull Sts...... Bank of LaGrange ........ LaGrange
Moultrie Banking Company Drive-in Office, 514 S. Main Street ............ Moultrie Banking Company . Moultrie
Sylvester Banking Company Drive-in Facility, 101 E. Pope Street ............ Sylvester Banking Company. Sylvester
The Peoples Bank, Drive-in Facility, Broad and Midland ............ The Peoples Bank ......... . Winder

11-15-63 4-16-62 5-31-62 7-16-62 4-15-60

Exhibit "N" DISPOSITION OF BANKS IN GEORGIA DURING 1964

Banks in Operation January 1, 1964 . .

Banks in Operation December 31, 1964.

Banks Opening During Year . . . .

.9

The Fayette State Bank, Tyrone

Bank of Monticello, Monticello

The South Cobb Bank, Mableton

First State Bank, Wrens

Fort Oglethorpe State Bank, Fort Oglethorpe

Mcintosh State Bank, Jackson

Forsyth County Bank, Cumming

The First State Bank, Stockbridge

The Citizens Bank of Clayton County,

Forest Park

Bank Offices Opening During Year . . . . . . . . 5

Austell Bank, Austell Bankhead Office
Trust Company of Georgia, Atlanta
Chattahoochee Office, 1221 Chattahoochee Avenue, N.W. Farmers and Merchants Bank, Dublin Bellevue Office, 606 Bellevue Avenue The Brand Banking Company, Lawrenceville Brand Bank Drive-in, 492 E. Crogan Street The Citizens & Southern Emory Bank, J)ecatur
Toco Hills Office, LaVista and North Druid Hills Roads

BANKS
318 327

BRANCHES BANK OFFICES AND FACILITIES
57
62

FORTY-FIFTH ANNUAL REPORT

XIII

Exhibit "0" 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
Vidalia Banking Company .......-......................................... Vidalia
Bank of Waynesboro .................................................. Waynesboro

BANKS IN VOLUNTARY LIQUIDATION December 31, 1964

Exhibit "P"

NAME OF BANK

LOCATION

DATE

Atlanta Trust Company.................. Atlanta ............ December ll, 1929 Bank of Ila ............................. Ila................ August 9, 1954

XIV

DEPARTMENT OF BANKING

Exhibit "Q"

ABSTRACT OF REPORTS OF CONDITION OF STATE BANKS IN GEORGIA AS OF DECEMBER 31, 1964
(With Comparative Statement as of December 31, 1963)

Dec. 31, 1964 Dec. 31, 1963

327 Banks

318 Banks Increase+

62 Branches 57 Branches* Decrease-

ASSETS

Cash and balances with other banks

. $ 377,497,286 $ 343,023,864 $ 34,473,422+

U.S. Government Obligations,

direct and guaranteed . . . . .

472,100,256 458,106,611 13,993,645+

Obligations of States

and political subdivisions . . . .

152,732,917 133,706,375 19,025,542+

Other Bonds, notes and debentures.

46,952,949

46,457,265

495,684+

Corporate stocks, including stock of

Federal Reserve Bank . . . . . . . .

2,847,290

2,462,271

385,019+

Loans and Discounts, including overdrafts. 1,019,932,445 880,652,828 139,279,617+

Bank premises owned and

furniture and fixtures. . . . . . . .

27,658,789

23,829,836 3,828,953+

Real Estate owned other

than bank premises. . . . . . . . .

1,428,994

1,242,095

186,899+

Investments and other assets indirectly

representing bank premises or

real estate . . . . . .

3,352,569

2,466,089

886,480+

Customers' liability on

acceptances outstanding

148,632

145,727

2,905+

Other assets

--=1.:::0o:::2.:::59::co:::5.:::01=8--,-7-_3__4:~,:9:.1..8:2~=-----=-1'-,'5:.2==4:.,:5::8__3_c+__

TOTAL ASSETS

0 $2,114,911,628 $1,900,827,879 $214,083,749+

LIABILITIES
Demand Deposits Time Deposits . . Depositsof U.S. Government Deposits of States
and political subdivisions . Deposits of Banks Other deposits (certified and
officers' checks, etc.)

.$ 892,432,895 $ 812,563,941 $ 79,868,954+

646,081,297 572,502,990 73,578,307+

34,817,262

41,616,190 6,798,928-

224,857,521 74,407,855

193,215,545 65,813,022

31,641,976+ 8,594,833+

13,454,022

12,954,633

499,389+

TOTAL DEPOSITS

0 $1,886,050,852 $1,698,666,321 $187,384,531 +

Liabilities for borrowed money

752,500

606,000

146,500+

Acceptances executed and outstanding .

148,632

145,727

2,905+

Other liabilities

40,746,461

33,914,296 6,832.165+

TOTAL LIABILITIES (not including capital accounts) . 0 $1,927,698,445 $1,733,332,344 $194,366,101 +

CAPITAL ACCOUNTS
Capital Surplus Undivided Profits Reserves .

.$ 59,330,900 $ 50,118,000 $ 9,212,900+

77,820,820

69,759,820 8,061,000+

33,620,328

32,819,905

800,423+

16,441,135

14,797,810 1,643,325+

TOTAL CAPITAL ACCOUNTS
TOTAL LIABILITIES AND CAPITAL ACCOUNTS.

.$ 187,213,183 $ 167,495,535 $ 19,717,648+ 0 $2,114,911,628 $1,900,827,879 $214,083,749+

*Includes branch banks, bank offices and facilities.

FORTY-FIFTH ANNUAL REPORT

XV
Exhibit "R"

Number
of
Banks
10 32 0
6o 20 3o 10 57 0 3o 20 80 10 92 0 20 10 0 10 24 0 10 20 20 32 0 10 90 20 10 10 10 10 0 10 10 10 10 10 10 20 10 20 10 10 20 10 20 10 10

CLASSIFICATION OF BANKS BY CAPITALIZATION AS OF DECEMBER 31, 1964

Capital

Total Capital

Total Resources

0 $ 15,000o00 25,000o00 30,000o00 35,000o00 40,000o00 45,000o00 50,000o00 60,000o00 70,000o00 75,000o00 90,000o00
100,000o00 120,000o00 125,000o00 133,400000 150,000o00 160,000o00 175,000o00 180,000o00 200,000o00 225,000o00 250,000o00 270,000o00 273,000o00 275,000o00 280,000o00 300,000o00 312,500000 320,000o00 325,000o00 350,000o00 352,000o00 375,000o00 400,000o00 420,000o00 500,000o00 600,000o00 800,000o00 1,000,000o00 1,650,000o00 1,700,000o00 3,000,000o00 10,000,000o00

$ 15,000o00 800,000o00 180,000o00 70,000o00 120,000o00 45,000o00
2,850,000o00 180,000o00 140,000o00 600,000o00 90,000o00
9,200,000o00 240,000o00
1,250,000o00 133,400000
3,600,000o00 160,000o00 350,000o00 360,000o00
6,400,000o00 225,000o00
2,250,000o00 540,000o00 273,000o00 275,000o00 280,000o00
3,000,000o00 312,500000 320,000o00 325,000o00 350,000o00 352,000o00 375,000o00 800,000o00 420,000o00
1,000,000o00 600,000o00 800,000o00
2,000o000o00 1,650,000o00 3,400,000o00 3,000,000o00 10,000,000o00

$ 459,042085 33,626,915086 5,392, 759034 3,856,386021 7,022,4240 78 2,002,482o53 113,860,388097 6, 761,121.78 4,972,305013 18,700,439027 3,129,262091 349,172,137090 6,945,018052 50,453,266031 5,697 ,139o37 124,330,224081 7 ,192, 778o27 6,534,932081 14,052,635052 218,730,521.51 6,379,624o56 67,394,854o30 11,075,378092 8,550,006014 9,911,310072 6,506,983036 116,977,680010 12,505,668061 6,000,786079 10,634,9350 70 12,831,563088 11,575,980073 13,431,600031 33,259,446016 16,429,826005 36,533,153057 10,350,512.40 27,504,470033 51,634,773.42 61,810,801.48 132,225,596062 98,695,887068 369 '794,601. 78

XVI

DEPARTMENT OF BANKING

Exhibit "S"
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 "T"

SUPERINTENDENTS OF BANKS, DEPARTMENT OF BANKING STATE OF GEORGIA

Name

Date of Appointment

Date Service Ended

T. R. Bennett .................... November 17,1919 A. B. Mobley .................... 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
W. M. Jackson_ ................. February 17, 1964

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
.February 16, 1964

FORTY-FIFTH ANNUAL REPORT

XVII

Exhibit "U"

PRIVATE BANKS REGISTERED WITH SUPERINTENDENT OF BANKS AS OF JUNE 30, 1964

Name

Location

Dorsey Banking Company. . . . . . . .

James Rivers Bank, North Slappey Drive.

Farmers Bank . . . . . . . . . . . . .

First City Bank, 81 Poplar Street, N.W. .

..

Mercantile-City Bank, 710 Fulton Fede~;al Building (Box 996).

Bank of Augusta, 1296 Broad Street.

Citizens Banking Company

The Peoples Bank . . .

The Citizens Bank . . .

Farmers Clearing Bank.

Citizens Bank . .

Bank of Chester .

The Brown Bank.

First Trust Bank

Knight-Hogan Banking Company

The Commercial Bank

The Exchange Bank . . . . . .

The Peoples Bank . . . . . . .

Merchants Bank, 2146 Dodson Drive .

Peoples Banking Company . . .

Bank of Hampton. . . . . . .

The Citizens Bank . . . .

The Coastal Bank . . . . .

People's Cash Depository. .

Citizens Bank . . . . . .

The Lowndes Bank. . . .

Jordan Banking Company.

The Exchange Bank . . .

The Peoples Bank . . . .

The Security Bank. .

H. G. & 0. 0. Banks Company .

Citizens Bank . . . . . .

Aycock Banking Company

Morven Mutual Exchange

Citizens Service Bank .

Greene Banking Company.

The Corbett Bank . . . .

Farmers & Merchants Bank.

Bulloch Exchange Bank.

Bank of Ray City . . .

Peoples Bank . . . . .

Banks-Kelly Bank . . .

Farmers & Merchants Bank .

The Citizens Banking Company .

M. G. Pound Bank .

Citizens Bank . . . . . .

Spivey Banking Company.

Commercial Bank .

Brogdon Bros., Bankers .

The Park Avenue Bank .

Brice Banking Company .

Whigham Banking company

Thompson Banking Company

Abbeville Albany Alma Atlanta Atlanta Augusta Barwick Baxley Broxton Cadwell Cave Spring Chester Cobbtown Covington Dexter Douglas Douglas Eastman East Point Folkston Hampton Haralson Hinesville Jeffersonville Kingsland Lake Park Leary Ludowici Macon McRae Milledgeville
Milledgeville Millen Morven Omega Pavo Pearson Portal Preston Ray City St. Marys Shady Dale Smithville Snarks Sparta Stockbridge Swainsboro Tallapoosa Uvalda Valdosta Vidalia Whigham
. Wrens

XVIII

DEPARTMENT OF BANKING

Exhibit "V"

STATE CHARTERED CREDIT UNIONS UNDER SUPERVISION OF DEPARTMENT OF BANKING
STATE OF GEORGIA

ALBANY
Albany Federal Employees Credit Union, c/o U.S. Post Office . Carlton Credit Union, c/o Carlton Company, P.O. Box 173 .. Colonial Dairies Employees Credit Union, 815 Oglethorpe Avenue . Karagheusian Employee's Credit Union, Gulistan Drive . Keenan Employees Credit Union, 112 Front Street, North .

Total Assets as Reported Dec. 31, 1964
. $ 121,964.09 30,596.05 11,364.97 46,875.91 127,888.75

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, 600 Linton Springs Road .

205,568.58 23,853.76
42,372.26

ATLANTA

A. D. Co. Employees Credit Union, 777 Memorial Drive, S.E. AMCO Credit Union, 29 Pryor Street, N.E. . . . . AMILSCO Credit Union, 451 Stephens, S.W. . . . .
ARM-AG-CHEM Credit Union, 802 Title Building . . Arrow Credit Union, 2202 Murphy Avenue, S.W. . . .

70,344.44
118,071.81
1~~:~~~:8&
410,239.93

Associated Credit Union, 55 Forsyth Street, N.W. . .

599,036.00

Atlanta City Employees Credit Union, 702 City Hall . . . . . .

940,187.82

Atlanta Cooperative Association, 719 Fulton Federal Building .

215,764.70

Atlanta Greyhound Terminal Employees Credit Union,

81 Cain Street, S.W. . . . . . . . . . . . . . . . . . . .

10,878.61

Atlanta Postal Credit Union, 102-M Federal Annex . . . . . .

12,095,810.13

Atlanta Railway Postal Clerks Credit Union, 528 Federal Annex

1,165,582.27

Atlanta Teachers Credit Union, 462 8th Street, N.E. . . . . . .

544,407.16

Atlanta Terminal Employees Credit Union, Terminal Station . . . .

72,974.98

Atlanta Times Credit Union, 700 Forrest Road, N.E., P.O. Box 1636 .

291.93

Atlantic Steel Credit Union, 1300 Mecaslin Street, N.W. . .

984,202.83

Ben Franklin Credit Union, 1400 West Peachtree Street . .

28,244.81

Building Authority Employees Credit Union,

244 Washington Street, S.W. . . . . . . . . . . . . .

145,755.43

Central Parking, Inc. Credit Union, 100 Luckie Street, N.W.

19,134.83

Circle "W" Credit Union, 1299 Northside Drive . . . . .

3,289.47

Delta Employees Credit Union, Atlanta Airport . . . . .

4,528,896.4 7

Dixie 66 Credit Union, 1430 West Peachtree Street, N.W..

95,978.88

Dupont Atlanta Employees Credit Union,

1737 Ellsworth Industrial Drive, N.W. . . . . . . . .

58,589.27

Employees Credit Union Swift & Co., P.O. Box 5016 . . .

124,319.46

Employers Group Credit Union, 1001 Grant Building . . . .

10,450.18

Employment Service Credit Union, 61 Trinity Avenue, S.W. Essell Credit Union, 1197 Peachtree Street, N.E. . . . . .

76,172.93 60,242.48

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. . . .

307,o78.22 7,507,087.35
81,579.06

Gaylord Employees Credit Union, 1470 Blashfield Avenue, S.E..

72,812.17

General Shoe Credit Association, 1251 Caroline Street. N.E.. Genuine Parts Credit Union, 299 Piedmont Avenue, N.E. . . . .

45,158.77 106,117.11

Georgia E. S. A. Credit Union, 297 Labor Building . . . . . .

100;872.16

Georgia Federation of the Blind Credit Union,

244 Washington Street, S.W. . . . . . . . . . . . . . . . . . .

16,225.8~

Georgia Health Department Credit Union, 516-A State Office Building . 288,703.40

Georgia League Credit Union, 512 Forsyth Building .

2,054,956.09

Georgia Standard Oil Emnlovees Credit Union,

Fulton National Bank Building . . . . . . . . .

387,565.59

FORTY-FIFTH ANNUAL REPORT

XIX

ATLANTA

Exhibit "V"-Cont'd

The Georgia State Department of Education Credit Union,

State Office Building . . . . . . . . . . . . . . . .

227,934.50

Georgia State Highway Department Employees Credit Uni'on

2 Capitol Square . . . . . . . . . . . . . .

771,985.37

Georgia Telco Credit Union, 440 Hurt Building . . . . . . .

11,621,935.75

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

14,133.65

Grinnell Corporation Employees Credit Union,

240 N. Highland Avenue, N.E. . . . . . . . . . . . . . . . .

59,014.13

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

235,241.14

Hotpoint Credit Union, 1695 Marietta Boulevard, N.W. . . . . . .

11,689.48

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

28,117.27

Journal-Constitution Employees Credit Union, 10 Forsyth Street, N.W.. 650,708.49

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

14,255.52

Massey College Credit Union, 181 Peachtree Street

2,232.21

Mead Packaging Employees' Credit Union,

950 W. Marietta Street, N.W. . . . . . . . . . . . . .

344,212.15

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

191.63

Merchants Mutual Credit Corporation, 542 Bank of Georgia Building.

1,306,550.43

Miss Georgia Credit Association Credit Union,

645 Whitehall Street, S.W. . . . . . . . . . . . . . . . . . . .

62,665.01

Montag Employees Credit Association, 245 N. Highland Avenue, N.E .. 129,660.37

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

47,087.05

Mutual Savings Credit Union, 1219 Caroline Street, N.E. . . . . . . . 839,483.41

Orange Disc Credit Union, 1375 Peachtree Street, N.E. . . . . . . . . 1,034,776.92

Pepsi Credit Union, 1480 Chattahoochee Avenue, N.W. . . . . . . . .

7,293.96

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

43,378.65

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

98,996.98

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

16,249.01

Rich's Employees Credit Union, c/o Rich's, Inc., P.O. Box 4539 . . . . 2,030,867.47

Ruralist Credit Union, 713 Glenn Street, S.W. . . . . . . . . . . . . 332,400.35

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

25,814.35

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

68,440.22

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

9,137.51

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

87,770.24

Sho Do Co Savings Plan Credit Union,

1301 Chattahoochee Avenue, N.W. . . . . . . . . . . . . . . . .

15,760.57

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

73,648.48

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

63,359.27

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

61,463.70

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

11,689.38

Southern Freight Bureau Employees Credit Union,

101 Marietta Street Building . . . . . . . . . . . . . . .

106,053.15

State Revenue Department Credit Union, State Office Building.

41,084.81

Thompson, Boland and Lee Employees Credit Union,

201 Peachtree Street, N.E. . . . . . . . . . . . . . . . .

69,198.69

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

837,378.39

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

31,157.95

Victor Business Forms-Atlanta Credit Union, 720 Forrest Road, N.E ..

17,807.93

White Columns Credit Union, 1601 W. Peachtree Street, N.E. . . . . .

9,511.61

AUGUSTA
Georgia Railroad Employees Credit Union, 615 8th Street . King Mill Savings & Credit Association, c/o King Mill . . . . Richmond County Health Department .I<;mployees Credit Union,
1001 Bailie Drive . . . . . . . . . . . . . . . . . . . .

83,149.51 684,377.27
51,169.89

BOWMAN Wright Garment Employees Credit Union, Bowman

13,013.99

BRUNSWICK Glynn County Federal Employees Credit Union, Federal Building .

38,231.78

XX

DEPARTMENT OF BANKING

CHAMBLEE
Lay Employees Savings & Loan Credit Union, 4950 Peachtree Industrial Boulevard . . . .

Exhibit "V"-Cont'd 408,990.70

COLLEGE PARK
T. C. Employees Credit Union, 1971 Roosevelt Highway . . .
COLUMBUS
Columbus Coca-Cola Employees Credit Union, 305 17th Street Columbus Health and Hospital Credit Union, 1958 8th Avenue .. Columbus Postal Employees Credit Union, P.O. Baker Village, Box 495. Gas Light Employees Credit Union, 107 13th Street Seaboard Columbus Employees Credit Union,
Front Avenue and lOth Street . . . . . . . . . WeeReBel Credit Union, 1350 13th Avenue . . . .

31,932.06
19,079.93 166,209.05 233,591.86
69,727.72
7,173.78 35,481.27

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

52,969.47

DALTON

Crown Tuft Employees S. and L. Credit Union,

c/o Crown Tuft Company . . . . . . . . .

.......

N. G. E. M. C. Credit Union, 301 Selvidge Street . . . . . . . . . . .

TEXACOTE Credit Union, c/o Textile Rubber & Chemical Co., Rt. #1 .

W. E. Strain Employees Credit Union, Hamilton St., Highway 41 .

Whitfield County Postal Employees Credit Union, Post Office .

12,790.66 33,824.23
9,210.60 22,831.31 25,035.27

DECATUR
Decatur Postal Employees Credit Union, P.O. Box 803 . . . . 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 . . . . . . . . .

46,379 ..84 72,045.60 40,314.70 1,761,885.95 24,449.88

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

98,648.60

DUBLIN
Dublin Federal Employees Credit Union, Veterans Administration Building . .

229,002.06

EASTMAN Stuckey's Employees' Association Credit Union, c/o Stuckey's.

115,941.48

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 . . . . W ASE Credit Union, 1561 Forrest Avenue . . .

1,089,619.00 2,149,086.26
202,555.56 43,401),36
87,532~28
15,645.84

ELBERTON Stone Workers Credit Union, 287 Elbert Street .

18,309.26

FORT McPHERSON Ft. McPherson Credit Union, Fort McPherson .

1,198,115.30

GAINESVILLE CITISCO Credit Association Credit Union, 401 S. Main Street .

11,797.13

FORTY-FIFTH ANNUAL REPORT

XXI

HAPEVILLE
Fulton Teachers Credit Union, 3420 Whipple Avenue . L & P Credit Union, 3421 Stewart Avenue .

E:rhibit "V"-Cont'd
354,497.19 22,378.03

JACKSON
CGEMC Employees Credit Union, c/o Central Georgia Electric Membership Corp. . . . . . . . . . .

31,000.47

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

181,766.81

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, Third and Hemlock Streets . The Procter & Gamble Macon Employees Credit Union,
1265 Sixth Street . . . . . . . . . . . . . . . . . . . . .

11,545.48 68,405.22 16,544.07
5,873.73 150,344.82 450,936.40 136,850.36 195,099.45
49,800.16
82,864.09

MARIETTA

C-Mar Credit Union, City Hall .

.......

Home Employees Credit Union, 1531 Franklin Road

1,680.62 88,716.14

MILLEDGE VILLE
Baldwin County Hospital Employees Credit Union, Milledgeville. Milledgeville State Hospital, c/o State Hospital, Lawrence Building .

15,160.10 738,897.77

MOULTRIE Employees Credit Union Swift & Co., Moultrie, c/o Swift & Co..

107,283.56

PLAINS Sumter County Teachers Credit Union, Plains . . . . . .

39,633.61

QUITMAN
Brooks County Packing Company Employees Credit Union, P.O. Box 351 . . . . . . . . . . . . . . . . . . ..

5,572.19

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 .

150,884.51 535,988.97
3,996.97

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, 903 Realty Building . . . . . Savannah Electric and Power Employees Credit Union,
27 W. Bay Street . . . . . . . . . . . . . . . . . . Savannah Federal Credit Union, 200 St. Julian Street, East . Savannah J-Mers Credit Union, No. 1 Foundation Drive . Savannah Postal Credit Union, Room 229, P.O. Building Savannah "Transit Credit Union, 900 E. Gwinnett Street Seaboard Employees Credit Union of Savannah, Inc.,
601 E. Liberty Street . . . . . . . . . . . . . . Workmen's Circle Credit Union, 409 W. Broad Street . .

53,698.00 77,301.98 39,893.44
59,753.73 42,622.28
374,390.33 345,562.70
9,747.44 158,755.77
82,971.79
360,513.95 223,850.69

XXII

DEPARTMENT OF BANKING

Exhibit "V"-Cont'd

TALLAPOOSA Dixisteel Credit Union, Dixisteel Buildings, Inc..
TOCCOA TMPICO Employees Credit Union, East Currahee Street . . . . . Wright Manufacturing Company Employees Credit Union, Toccoa .
VALDOSTA Valdosta Onized. Credit Union, Valdosta . . . . . . . . . . . . .

38,520.74
3,073.21 31,216.74
430,955.40

Exhibit "W" ABSTRACT OF REPORTS OF CONDITION OF STATE CHARTERED
CREDIT UNIONS AS OF DECEMBER 31, 1964

Dec. 31,
1964

Dec. 31,
1963

Percent Percent

Amount

of

of

Increase Increase Total

(Decrease) (Decrease)Assets

ASSETS:

Cash . . . . . . . . . . . $ 3,225,148

Loans . . . . . . . . . . 57,001,257

U.S. Government Securities . 1,213,767

Other Bonds, Stocks

and Investments . . .

7,994,805

Furniture and Fixtures .

247,839

Other Assets

854,429

Total Assets

. $70,537,245

$ 2,976,718 49,984,874 999,111
6,033,648 259,896 626,879
$60,881,126

$ 248,430 7,016,383 214,656
1,961,157 ( 12,057) 227,550
$9,656,119

8.35 14.04 21.51

4.57 80.81
1.72

32.50 (4.63) 36.30
15.86

11.34 .35
1.21
100.00

LIABILITIES:

Deposits Including

Non-members . . . . . . $61,361,191 $52,734,102 $8,627,089 16.36 86.99

Notes and Accounts Payable . 2,238,034 1,638,149 599,885 36.62

3.17

Other Liabilities .

--~ 49~ 1,~ 83- 4 ---~ 38~ 6,~ 09- 0 -~~1~ 05- ,7- 44---2- 7.- 39----- .70-

Total Liabilities

. $64,091,059 $54,758,341 $9,332,718 17.04 90.86

RESERVES: (1)
Total Liabilities and Reserves

2,213,033 2,007,310 205,723 . $66,304,092 $56,765,651 $9,538,441

10.25 16.80

3.14 94.00

CAPITAL:
Shares . . . . . . . Surplus and Undivided
Profits (2)
Total Liabilities, Reserves and Capital . . . . .

.$ 590,571 $ 536,484 $ 54,087

3,642,582 3,578,991

63,591

. $70,537,245 $60,881,126 $9,656,119

10.08

.84

1.77

5.16

15.86 100.00

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

111,456 106,264
162 66,971

105,416 99,283
161 63,527

6,040

5.73

6,981

7.03

1

.61

3.444

5.42

(1) Before Credits from 1964 Income; (2) Includes 1964 Earnings; (3) Includes Non-members

FORTY-FIFTH ANNUAL REPORT

XXIII

Exhibit "X"

ABSTRACT STATEMENT OF INCOME AND EXPENSE AS REPORTED BY STATE CHARTERED CREDIT UNIONS FOR CALENDAR YEAR OF 1964

INCOME:

Interest on Loans Less: Interest Rebates .

. $4,792,408.80 ( 42,163.24)

Inter.est Net . . . . . . Income from Investments . Profit on Sale of Securities .
Other Income . . . . . . .

4,750,245.56 347,620.02 18,820.25
120,067.43

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

$5,236,753.26

Percent of Income
91.51 ~
90.70 6.65 .36 2.29
100.00

EXPENSES:
Salaries and Wages . . . . . . . Borrowers and Savings Insurance . Association and League Dues . . . Surety Bond Premiums . . . . . Examination and Supervision Fees Interest on Borrowed Money Cost of Space Occupied Reimbursed Expenses Collection . . . . . . Legal and Audit . . . . Recording Protection . Cash Shortages . . . . . . . . . . Printing, Postage, Lights and Phone . Conventions, Meetings, etc. . . . . . Taxes . . . . . . . . . . . . . . . Depreciation and Equipment Charge-off Advertising and Education . . . . Office Machines Expense . . . . . Semi-Annual Interest Expense . . Other Expenses Not Shown Above
Total Expenses . . . . . . Net Income (Before Credits to
Reserves and Surplus) . . .

.$ 688,332.63 338,333.23 44,983.76 24,880.76 31,960.18 77,283.76 34,392.86 12,876.87 7,047.74 34,499.13 2,256.21 574.95 100,908.59 11,868.03 94,124.57 39,233.99 37,225.71 15,099.93 761,816.38 153,575.10

2:511,274.38

13.14
6.46 .86 .48 .61
1.48 .66 .25 .13 .66 .02 .01
1.93 .23
1.80 .75 .71 .29
14.55 2.93
47.95

$2,725,478.88 52.05 100.00

Average Interest Paid on Deposits . . . . .
Average Dividend Paid on Shares . . . . . (of those credit unions declaring dividends)

5.84r/r . $ .33 per share

FORTY-FIFTH ANNUAL REPORT

1

STATEMENT

Showing condition at the close of business December 31, 1964, of

ABBEVILLE STATE BANK

Abbeville, Ga.

As called for by the Superintendent of Banks

J. H. DORMINY, JR.,

C. A. NEWCOMER, JR.,

President. Date of Charter: 4-22-1952

Cashier. Began Business: 4-22-1952

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 126,496.87

United States Government obliga~

tions, direct and guaranteed .....

l7:l,H7:i.!ill

Obliga!i'?n.s of States and political

subdtvtstons .................... .

a5,517.RR

Other bonds, notes, and debentures

44,600.00

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

708,886.05

Bank premises owned, furniture and

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

1,200.62

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

107.61

-----

Total Assets .................. $ 1,090,682.5;)

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . DeJ:!o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

:196,153.;)4 443,538.56
3,921.60
125,787.-13 None
2,334.34 None
None 7,477.60 25,000.00 75,000.00 11,469.46
None

Total Liabilities .............. $ 1,090,682.53

STATEMENT

Showing condition at the close of business December 31, 1964, 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

ASSETS Cash, balances with other banks, in-
cluding reserve b~lances, and cash
items in process Of collection .... $ United States Government obliga-
tions, direct and guaranteed .....
Obliga!i'?n.s of States and political subdtvtstons ................... .
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 ..................... .

450,860.4~
569,694.1H 63 901 31
125:265:1;4 None
l,H00,729.9:l 102,:190.0;] None
None None 2,157.:l1

Total Assets .................. $ :l,114,998.8R

LIABILITIES Demand deposits ................. t Time deposits .................... .
Deposits of U. S. Government. .... . DeJ:!o~i~s of States and political sub-
dtvtstons ....................... . Deposits of banks ................. .
Other deposits (certified and officers' checks, etc.) ................... .
Bills payable .................... .
Acceptances executed by or for account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves ...................... .

1,571,82(;.87 1,031,997.27
5,300.00
209,485.57 None
2,1;61.4:1 None
None 10,000.00 100,000.00 120,000.00 6:1,727.74
None

Total Liabilities .............. $ :1,114,998.8~

2

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF ADAIRSVILLE Adairsville, Ga.
As called for by the Superintendent of Banks

J. C. HAMBRIGHT, President.
Date of Charter: 3-21-1899

J. E. McKELVEY, Cashier.
Began Business: 3-24-1899

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 410,554.95

United States Government obliga-

tions, direct and guaranteed .....

426,293.67

Obliga!i'?n.s of States and political

subdtVISlODS ................... ,

208,539.91

Other bonds, notes, and debentures

60,058.34

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

:3,750.00

Loans and discounts (including over-

drafts) ........................ .

654,7 44.31

Bank premises owned, furniture and

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

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outsta-nding ........ .

None

Other Assets ..................... .

None

-----

Total Assets . . . . . . . . . . . . . . . . . . $ 1,772,5:l4.5:l

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . Del!o~i!s of States and political sub-
dtvtstons ....................... . 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 .............. .

>142,246.10 609,262.44
10,948.12
67,494.66 None
2,266. 76 None
None 992.00 50,000.00 100,000.00 89,324.45 None

Total Liabilities ............... $

STATEMENT

Showing condition at the close of business December 31, 1964, 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, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... :)i United States Government obligations, direct and guaranteed .....
Obliga!i'?n." of States and political
subdlVlSlOTIS ........ , . , ..... .
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 ..................... .

6B9,112.88 859,330.83 296,178.76 200,000.00
None 2,072,522.88
41,000.00 None
None None 1,746.1;)

Total Assets .................. $ 4,169,891.48

LIABILITIES Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub~
dtVlSIOnS ......
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

2,288,300.32 1, 155,779.66
107,267.51
231,778.20 37,616.21
597.56 None
None 2,452.50 100,000.00 100,000.00 66,099.52 80,000.00

Total Liabilities ..

. .... $ 4,169,891.48

FORTY-FIFTH ANNUAL REPORT

3

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK

Adel, Ga.

As called for by the Superintendent of Banks

W. J. HARRIS,

JAMES B. LAWRENCE,

President.

Cashier.

Date of Charter: 12-11-1947

Began Business: 1-15-1948

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. . . . . Obliga!i'?":s of States and political
subdtvtstons . . . . . . . . . . . . . . . . . . . . . Other bonds, notes, and debentures Corporate stocks (including stock of
Federal Reserve Bank)........... Loans and discounts (including ove:-
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 . . . . . . . . . . . . . . . . . . . . . .

4n,512.38 604,439.84
11,370.12 None None
982,846.50 5,415.80 None
44,170.00 None None

Total Assets ........ :'......... $ 2,141, 754.64

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

904,278.4g 792,875.11
None
180,303.13 20,632.29
38,624.73 None
None None 50,000.00 150,000.00 5,040.89 None

Total Liabilities ............... $ 2,141,754.64

STATEMENT

Showing condition at the close of business December 31, 1964, 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, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s of States and political subdlVlSlOnS .................. . 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 .................. $

263,728.21 434,000.00
None None None 265,155.28 2,613.55 None
None None None 965,497.04

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvlstons ....................... . 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 ................ . Reserve~ ......................... .

494,546.19 220,695.47
None
113,480.37 50,375.00
5,203.84 None
None 688.00 30,000.00 40,000.00 10,508.17 NonP

Total Liabilities

...... $ 965,4g7.04

4

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

WHEELER COUNTY STATE BANK

Alamo, Ga.

As called for by the Superintendent of Banks

WALLACE ADAMS, President

FRANCES C. GRIFFIN, Cashier.

Date of Charter: 1-15-1945

Began Business: 1-17-1945

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ..... $ 172,563.76

United States Government obliga-

tions, direct and guaranteed .....

452,269.73

Obliga!i'?n.s of States and political

SUbdJVISlODS . , , , , , , , , , ,

None

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

751,525.82

Bank premises owned, furniture and

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

13,987.31

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... . -----

Total Assets . . . . . . . . . . . . . . . . . . $ 1,390,346.62

LIABILITIES
Demand deposits ..................$ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i!s of States and political sub-
divtsions ....................... . 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 ................ .

649,060.73 235,738.38
1,898.00
350,000.00 10,000.00
4,012.07 None
None 4,900.00 25,000.00 75,000.00 18,240.32 16,497.12

Total Liabilities .............. $ 1,390,846.62

STATEMENT

Showing condition at the close of business December 31, 1964, 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 other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed .....
Obliga!i'?n.s of States and political subdtvtstons ................... .
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 ..................... .

~25,457.0X
692.887.61; 2%,520.01; 100,000.00
None 1,ox:;,592.47
li9,X97.57 None
NontNone None

Total Assets ................. . 2.!i6X.:l54.H4

LIABILITIES

Demand deposits ................. $

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i!s of States and political sub-

dtvtstons ....................... .

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

......... .

n4,767.72 1.008,552.85
6,484.50
203,600.09 50,000.00
7.697.04 None
None 19,738.87 100,000.00 100,000.00 87,513.77 50.000.00

Total Liabilities .... . ....... $ 2.!iliR.:l!i4.H4

FORTY-FIFTH ANNUAL REPORT

5

STATEMENT

Showing condition at the close of business December 31, 1964, of

ALBANY SAVINGS BANK

Albany, Ga.

As called for by the Superintendent of Banks

SPENCER C. WALDEN, JR.

OSCAR POWELL,

President.

Cashier.

Date of Charter: 8-21-1950

Began Business: 10-2-1950

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga!i~n.s of States and political
SUbdtVISIODS ... , .
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 .................... ..

17R,915.5~
70ii,n2H.27 None H.OO
:;,:;r; 1,457.44 44,151.1G NonP
NonP None 689.22

Total Assets .................. ~ 4,ii50,659.70

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 account of this bank and outstanding ............................ .
Other liabilities .................. .
Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ................. .

None :1,165,!>14.90
None
56,500.00 110,000.00
None None
None 75B,084.12 150,000.00
50,000.00 195,760.6X
70.000.00

Total Liabilities ............... ~ 4,1iliO,f;ii9.70

STATEMENT

Showing condition at the close of business December 31, 1964, 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

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 4,!1XX,{)!1:~.11

United States Government obliga-

tions, direct and guaranteed... . . 7 ,0!1S,055.51

Obliga!i~n.s of States and political

SUbdiVISIOnS ....... , , , , ... , . , , . , :{JH-il ,!:131.!:10

Other bonds, notes, and debentures

Nonp

Corporate stocks (including stock of

Federal Reserve Bank)......... .

209,450.00

Loans and discounts (including over-

drafts) .. .. .. .. .. .. .. .. .. .. .. .. . 17,B:l5,X:JX.X4

Bank premises owned, furniture and

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

104,994.4:1

Real estate owned other than bank

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

157,2;J:J.24

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

5fJO,OUO.OO

Customers' liability to this bank on

acceptances outstanding

None

Other Assets . . . . . . . . . . . . .

432,17:1.29

Total Assets . . . . . . . . . . . . . . . . . . :;5,:lK8,:l7fJ.:12

LIABILITIES

Demand deposits .................. $ 15,602,699.1H

Time deposits .................... . 10,061,226.14

Deposits of U. S. Government..... .

H91,5:J5.01

De~o~i~s of States and political sub-

divisions ....................... . 2,()00,692.01

Deposits of banks ................. . 2,011,315.75

Other deposits (certified and officers'

checks, etc.) ................... .

224,825.50

llills payable .................... .

None

Acceptances executed by or for ac-

count of this bank and outstand-

ing ............................ .

None

Other liabilities .................. . 1,159,662.02

Capital .......................... . 1,000,000.00

Surplus ......................... . 1,000,000.00

Undivided profits ................ .

890,729.58

Reserves ...... .

745,HRii.J:l

Total Liabilities ............... $ :;1),:1K8,:170.:J2

6

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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. Date of Charter: 3-31-1961

Cashier. Began Business: 3-31-1961

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 4,Y8:J,095.:l0

United States Government obliga-

tions, direct and guaranteed..... (;_,188,915.81>

Obliga!i'?n.s of States and political

subdvsons . . . . . . . . . . . . . . . . . . . . . z,Oll,864.76

Other bonds, notes, and debentures

201, I 25.00

Corporate stocks (including stock of

Federal Reserve Bank)...........

Non<_.

Loans and discounts (including over-

drafts) . . . . . . . . . . . . . . . . . . . . . . . . . l;{,;liJIJ,7:l4.4:l

Bank premises owned, furniture and

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

471,(;:;4.7fi

Real estate owned other than bank

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

Nonfl

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

I 1111,000.00

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .

247,100.2:l

Total Assets . . . . . . . . . . . . . . . . . . 27,1\04,470.:;:;

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

I 1,702,722.72 8,104,837.02
181,347.45
l,64g,810.0Y X94,681.9r.
J74,Y21L44 Nonp
None 1,210,184.85
800,000.00 I ,000,000.00
:)86,959.81 400.000.00

Total Liabilities ............... $ 27.,504,470.~;)

STATEMENT

Showing condition at the close of business December 31, 1964, 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 reserve balances, and cash
items in process of collection .... $ United States Government obliga-
tions, direct and guaranteed ..... Obliga!i'?n.s of States and political
subdlVlSlOnS , . , , , . , ......... , .. . 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 .................... ..

!i5X,21X.XG l, 115,748.12
34,374.00 99,921.RR
None
;{8,875.24 None
None None 2,922.05

Total Assets .................. $ ~.5R9.269.n4

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dlvlslons ....................... . 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 ................ .

1,25~.:l5:l.;)5
1,406,046.28 9,041. 75
538,803.70 2!1,314. 77
4,053.31 Nonf'
None 82,281.47
r,o,ooo.oo
150,000.00 72,!l75.01
None

Total Liabilities .............. $ :l,5x9,269.o4

FORTY-FIFTH ANNUAL REPORT

1

STATEMENT

Showing condition at the close of business December 31, 1964, of

ALMA EXCHANGE BANK

Alma, Ga.

As called for by the Superintendent of Banks

VALENE BENNETT,

E. P. LEE,

President. Date of Charter: 9-30-1939

Cashier. Began Business: 10-14-1939

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... :J:i
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdtVlSlOnS . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

701,H:!O.:~;{
X28.097.7fi ;Jll,453.0b lliO,OOO.OO
None 2.r>7B,:l24.21
40,000.00 22,1o:l.OG
None None 7,2:Jl.OO

Total Assets ................. $ 4.1i99.RRii.4:l

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

1,379,883.10 2,157,848.32
74,171.47
535,792.99 188,071.16
36,065.96 None
None 22,866.88 125,000.00 75,900.00 104,285.55
NonE>

Total Liabilities ...............$ 4,699,885.48

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligaw tions, direct and guaranteed. . . . .
O~~~~!~~~i~n~f .St~t~~- .and ..p~litical
Other bonds, notes, and debenture.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 indiw
rectly representing bank premises or other real estate. . . . . . . . . . . . . . Customers' liability to this bank on acceptances outstanding . . . . . . . . . Other Assets . . . . . . . . . . . . . . . . . . . . . .

li?:~.221.:~;1
540,360.00 374 ,ggz.:JH
None None 1.4:17,944.42 HH,920.9:l ti,500.00
None None
Non~

Total Assets .................. $ :u2J,9:l9.01i

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

1.099,097.91 I ,419,503.4 7
10,649.31
2HlJ,561.10 None
!4,182.9:l None
None 26,861.62 100,000.00 !00,000.00 21,082.72
~o.oon.nn

Total Liabilities .............. $ :l.121,9:l9.1Hi

8

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
CITIZENS BANK OF ALPHARETTA Alpharetta, Ga.

As called for by the Superintendent of Banks

RALPH H. KIRBY, President.

RALPH H. KIRBY, Cashier.

Date of Charter: 2-6-1920

Began Business: 4-12-1920

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
subdiVlSIODS .................... .
Other bonds, notes, and debentures Corporate stocks (including stock of
Federal Reserve Bimk) .......... . 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 .. .. .. .. .. .. .. .. .. ~

4117 ,542.9X 1,1111:1,392.82
2,299.011 :lo11,44L51i
None 1,71il,4:l!. 72
:17,:1 !5.21i Non(
None None 14,:l40.fi2

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~ 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 ................ .

1,4:JU,45g_27 1,217,756.55
67,489.80
27:1,699.34 1 fiO,OOO.OO
41 '728.45 None
None 122,818.04 150,000.011 100,1100.011 22,813.51
None

* Total Liabilities ............... :~,57 !i, 7 !i:-{, 9!i

STATEMENT

Showing condition at the close of busi~ess December 31, 1964, of THE BANK OF COMMERCE Americus, Ga.
As called for by ~he Superintendent of Banks

HENRY L. COLLIER, 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 in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

~.1154,521.17 :2,05;~,525.1 !i
2 ,1122,181i. 77 J 00,000.00 NunP
:;,:;:12,55:1.50 1Hi,54H.17 None
None None None

Total Assets .................. $ 9.1i79,:l:l2. 77

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 account of this bank and outstanding ............................ .
Other liabilities ................... . Capital .......................... .
Surplus ......................... .
Undivided profits ................ . Reserves ..... .

4,251i,291i.ll 2,:l:l4,:ll4.29
100,2:l!i.77
1,540,:l74.SH J fi0,309.49
21i,225.g2 None
None None 200,000.00 ;)00,000.00 :J05,575.41 451;,000.00

Total Liabilities . . . . ......... $

FORTY-FIFTH ANNUAL REPORT

9

STATEMENT

Showing condition at the close of business December 31, 1964, of CITIZENS BANK OF AMERICUS Americus, Ga.

As called for by the Superintendent of Banks

S. R. HUNTER, President.
Date of Charter: 2-20-1937

M. E. FERGUSON, Cashier.
Began Business: 3-25-1937

ASSETS

Cash, balances with other banks, in-

* cluding reserve balances, and cash
items in process of collection ....

1,:~99,0~4.:12.

United States Government obliga-

tions, direct and guaranteed..... I ,4!i9,HXO.OO

o~~~d:!i~~n~f. -~~~tes .~~~. -~~~-i~i-c~-1 1,409,2g2.1]

Other bonds, notes, and debentures

41lll,Oilll.:ill

Corporate stocks (including stock of

Federal Reserve Bank)......... . .

None

Loans and discounts (including over-

drafts) . . . . . . . . . . . . . . . . . . . . . . . . . :,, 112,015.52

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

44,042.:~7

Real estate owned other than bank

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

N1lnP

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

11111.111111.111!

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

~O,:l~~~~~

Other Assets ......................_ _ _ _ _ __

Total Assets .................. $ 111,020,491.!1:1

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

S,l41,959.11 2,lt:l,527.5X
251,9:39.07
1, 74X,656.95 None
4,:lll4.4:l Nont>
None 44,H94.111 200,000.1111 200,000.00 lllll,2lll.li9 21 fi,OOO.OO

Total Liabilities ...............$ 111,11211,4~1l.~J:l

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obliga-
tions, direct and guaranteed ..... Obliga!i~n.s of States and political
subdiVISlOnS . , . , . , . , . , , . , ... , . , .
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-
rectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding
Other Assets ............ .

Non ... 1 1111,:n X.fiH
Nonp !iG\I,\108.S9
l .059.KII
Non~
None None

Total Assets ................. ~ 1.7Hfi, 117.0H

LIABILITIES Demand deposits .................. :h
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i1;s 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 outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves ................... .

J,t22,lJ75.u:~
2117 ,524.:lli 4, 79.~.Rfl
~x~.19\-l.:ifi N()ne
None Norw
Nont> 5,000.00 GO,OOO.OII HO,OOO.OO 11 ,5R4.5B
:l:2.0:~!f.Of1

Total Liabilities .............. :+; 1. 7Kii, 117 .OK

10

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of ASHBURN BANK Ashburn, Ga.

As called for by the Superintendent of Banks

H. G. BARBER, JR.,

GILBERT D. BRANCH,

President. Date of Charter: 7-3-1900

Cashier. Began Business: 7-1900

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... ~
United States Government obligations, direct and guaranteed... . .
Obliga~i'?n.s of States and political
subdiVISlODS ... , .. , .. , , . .
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 . . . . . . . . . . . . . . . . . . . . . .

4kZ,X;))(;)J X47, 147 .SO 5:H,G!ili.:{/ 400,0011.<111
Nont' :),Oii:1,1 00.95
fii,IOI.Iil N1lnE'
Nont> None 1,191.2ii

Total Assets . . . . . . . . . . . . . . . . . . $ o,:l77 ,Oiifi.li9

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

~.044,1i~9.\:Hl
2,228,256.1i4 87 ,:l87 .90
;{] 2,0:l0.19 10,000.00
27,519.29 2011,000.011
None 54,886.07 100,000.00 150,000.00 162,285.(ifi
Nonf:'

Total Liabilities .............. $ :;,:l77 ,Oiio.G9

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... $
United States Government obligations, direct and guaranteed .....
Obliga!i'?n.s 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 ..................... .

1;28,845. 74 R72,290.ii:l 227,000.85
None None :1,:1li4,!)52.1 ~)
li4,:l7:J.II None
None None None

Total Assets .................. $ o,1G7,11;2.52

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

......... .

Reserves

......... .

1,962,711.04 2,436,09l.l:l
8,947.37
411,792.7 H None
11,898.10 None
None None 1011,000.00 125,000.00 100,722.10 None

Total Liabilities

. ...... $ 'G,157,162.G2

FORTY-FIFTH ANNUAL REPORT

11

STATEMENT

Showing condition at the close of business December 31, 1964, of
FIRST AMERICAN BANK AND TRUST COMPANY Athens, Ga.

As called for by the Superintendent of Banks

CLARENCE R. McLANAHAN,

ROBERT G. BOSWELL,

President. Date of Charter: 9-24-1949

Cashier. Began Business: 11-1-1949

ASSETS
Cash, balances with other banks, including reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed.....
o~~~:i~!~~~n~f..~~~~es .~~~..~~l~~i~~.1
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 . .. . .. . . . .. .. . .. .. .. ..

H01,26:l.97
91::~,121.21
623,035.39 :109,X18.02
None :l,254,:lH9.52
7(i,H47 .15 None
11,2:lo.H:l None
5,143.12

Total Assets .................. $ 5,994,849.21

LIABILITIES Demand deposits ..................$ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtsions ....................... . 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 ......................... .

2,405,315.1g 1,620,676.92
85,233.1fi
1,136,023.45 102,672.71
42,684.52 None
None 176,360.82 125,000.00 2:JO,OOO.OO
7H,882.4o None

Total Liabilities ............... $ 0,994,849.21

STATEMENT

Showing condition at the close of business December 31, 1964, of AMERICAN BANK OF ATLANTA Atlanta, Ga.
As called for by the Superintendent of Banks

FRANK A. EIDSON, President.
Date of Charter: 12-6-1934

ALEX M. STEWART, 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 obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

1,3:19, 71i.5.02
~.072,445.(19
None None None 2,929,041.77 88,691.61 None
None None 36,816.19

Total Assets .................. $ 1>,466,760.28

LI.-.BILITIES Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government..... . De~o~i?' of States and political sub-
divtstons ....................... .
Deposits of banks ................. . Other deposits (certified and officers'
cbecks, etc.) ................... .
Bills payable .................... . Acceptances executed by or for ac-
count of this bank and outstanding ............................ . Other liahilities .................. .
Capital .......................... . Surplus ......................... . U ndivided profits ........ : . ...... .
Reserves ......................... .

:l,2:lli,1:J9.74 1,459,525.99
:lli,914. 7(J
:]16,516.25 10,000.00
H9,G22.03 None
None 16:1,123.15 270,000.00 747;:100.00 1:l7,918.:l:l
None

Total Liabilities ............... $ fi,4f~fi,7H0.2X

12

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

JAS. H. DICKSON, JR., Cashier.
Began Business: 12-5-1933

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection....
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.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 indirectly representing bank premises or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

12,X<Hi,820.fili J:1,955,42fi.40 :1,583,933.6fi 2,652,114.4fi
150,000.00 40,\l1H,G:li.Gfi
1,492,103.17 None
None None :l12,941.G:l

Total Assets . . . . . . . . . . . . . . . . . . 75,871,977.54

LIABILITIES

Demand deposits . . . . . . . . . . . . . . . . . . $ ~ii,4H2,6:~0.4g

Time deposits . . . . . . . . . . . . . . . . . . . . . 22,007,619.59

Deposits of U. S. Government......

9fi0,1R:i.5X

De~o~i~s of States and political subdtvtsiOns . . . . . . . . . . . . . . . . . . . . . . . . 15,997 ,(-i98.:~7

Deposits of banks..................

4n1,617.:l9

Other deposits (certified and officers' checks, etc.) ................... .
Bills payable ..................... .

57:~.002.6()
None

Acceptances executed by or for ac-

count of this bank and outstanding ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ .
Reserves ................ .

None :1.925,225.29 1,700,000.00 :l,300,000.00
:354,000.17 100,000.00

Total Liabilities .............. ~ 75,871.977.54

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances. and cash items in process of collection .... ~
United States Government obligations, direct and guaranteed.....
Obliga!i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

2,00:3,947.1:) 1,883,395.81 2,548,41)1,89
626,00H.4G 24,:100.00
n,101,550.1:1 72,484.54 88,201.00
None None 7:l,25:J.:J5

Total Assets .................. ~ l3,431,600.:n

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits .......... .

Reserves

5,409,179.28 5,565,868.20
206,850.11
548,0:31.70 170,fil2.45
227,053.77 None
None :104,971.95 :)75,000.00 4:;5,000.00 133,851;.71 55,176.14

Total Liabilities ...

..... $ 1:l,4:ll,fiOO.:ll

FORTY-FIFTH ANNUAL REPORT

13

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... $ 58H,804.9B

United States Government obliga.

tions, direct and guaranteed..... :~,502,984.57

Obliga~i'?n.s of States and political

subdivisiOns . . . . . . . . . . . . . . . . . . . . . 2,116,754.4g

Other bonds, notes. and debentures

94,176.42

Corporate stocks (including stock of

Federal Reserve Bank)...........

7l9,10(i.4g

Loans and discounts (including over-

drafts) .. . . . .. .. .. .. .. . . . . . . . . .. J0,790,43G.12

Bank premises owned, furniture and

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

80,001.00

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .

None

Total Assets .................. ~ 17 ,R9:1,264.0fi

LIABILITIES

Demand deposits .................. $

~4,752.:1X

Time deposits .................... . 12,707,173.27

Deposits of U. S. Government..... .

20,:l4Ll4

De~o~i~s of States and political sub-

dtvtstons ....................... .

571,7J:l.9H

Deposits of banks ................. .

170,000.00

Other deposits (certified and officers'

checks, etc.) ................... .

2,174.00

Bills payable ..................... .

None

Acceptances executed by or for ac-

count of this bank and outstand-

ing ............................ .

None

Other liabilities .................. .

11,742.53

Capital .......................... .

500,000.00

Surplus .......................... . 1,000,000.00

Undivided profits ................ . :160,450.57

Reserves ......................... . 2,464,915.99

Total Liabilities .............. $ 17 ,R93,21i4.01i

STATEMENT

Showing condition at the close of business December 31, 1964, of
THE PEOPLES BANK Atlanta. Ga.

As called for by the Superintendent of Banks

T. B. McLEOD, President.
Date of Charter: 8-13-1935

W. M. CARSON, Cashier.
Began Business: 8-31-1935

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.s 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 .................. ,

1,024,709.0:1 2,152,482.89
704,480.47 626,750.9()
None li,:l41,GH4.:19
:15,:J30.:l0 None
None None 52,856.49

Total Assets .................. $ 10,9:18,294.5:)

LIABILITIES

Demand deposits .................. $

Time deposits .................... .

Deposits of U. S. Government. .... .

De~o~i~s of States and political sub-

dtvtstons ....................... .

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

ReRerveR

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

4,076,590.04 5,:161,955.01
77,469,07
200,000.00 None
8,1;74.73 None
None 120,444.83 200,000.00 200,000.00
57,190.15 635,91i7.70

Total Liabilities ............... S 10,9:JH,294.5:l

14

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of SOUTH SIDE ATLANTA BANK Atlanta, Ga.

As called for by the Superintendent of 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 process of collection .... $ United States Government obligations, direct and guaranteed .....
Obliga!i<?n.s of States and political subdtvtstons .................... .
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,:3X2,916.05 :3.767,H55.0H
613,259.32 25,000.00
S,74:3,442.011 1119,095.52 None
75,000.011 22,981.0!) 17,752.71:

Total Assets . . . . . . . . . . . . . . . . . . 11,757,30l.H2

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i!S of States and political sub-
dtvtstons ....................... . 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 .............. .

4,356,153.87 4,876,997.21
115,482.34
860;:)00.00 319,032.63
11S,917.50 None
22,981.09 197,93:3.95 :100,000.00 :lOO,OOO.OO 1g9,803.2:l 1 O:J,OOO.OO

Total Liabilities ............... $ 11,7S7,:J0l.H2

STATEMENT

Showing condition at the close of business December 31, 1964, of TRUST COMPANY OF GEORGIA Atlanta, Ga.
As called for by the Superintendent of Banks

AUGUSTUS H. STERNE, President.
Date of Charter: 9-21-1891

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

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ... $ 87,991,381.91

United States Government obliga-

tions, direct and guaranteed ..... 41i,618,H1:J.H1

Obliga!i'?n.s of States and political

subdtVISlOnS ....... , ...... , , , .. 21,512,386.80

Other bonds, notes, and debentures

25,000.00

Corporate stocks (including stock of

Federal Reserve Bank) ......... .

750,000.00

Loans and discounts (including over-

drafts) ........................ . 202,157 ,489.0H

Bank premises owned, furniture and

fixtures ....................... . 6,:l:l2,890.46

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ....... .

101,001.09

Other Assets ..................... . 4,305,6:18.6:1

Total Assets .................. $:169,794,601.78

LIABILITIES

Demand deposits ................. . $159,34:1,704.08

Time deposits .................... . 84,696,051.71

Deposits of U. S. Government. .... . x,o63,695.go

De~o~i~s of States and political sub-

dtvtstons ....................... . 32,894,669.15

Deposits of banks ................. . 44,:355,057.59

Other deposits (certified and officers'

checks, etc.) ................... . 4,574,181.62

Bills payable .................... .

None

Acceptances executed by or for ac-

count of this bank and outstand-

ing ............................ .

101,001.09

Other liabilities .................. . 4,890,563.12

Capital .......................... . 10,000,000.00

Surplus ......................... . 15,000,000.00

Undivided profits

........... . :l,496, 718.96

ReRerves

2,g7H,9fiR.f-ili

Total Liabilities ...

. . . . . . $:169,794,601. 7X

FORTY-FIFTH ANNUAL REPORT

15

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS STATE BANK OF AUGUSTA

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

TRAVIS F. STARR, President.
Date of Charter: 8-29-1904

TRAVIS F. STARR, Cashier.
Began Business: 3-30-64

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?n.s of States and political subdtvtstons .................... .
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 . . . . . . . . . . . . . . . . . . . . . .

162,929.:l2 251,768.70 22,500.00
None None fi22,2:31.1:l 1:l3,592.38 None
None None 6,151.57

~----
Total Assets ..................$ J,099,17:uo

LIABILITIES Demand deposits ..................$ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dlVlSlons ....................... . 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 ......................... .

:lK1,650.57 94,:l39.88 None
255,000.00 None
7 164 33 'Ndne
None 26,301.02 175,000.00 100,000.00 59,717.30
None

Total Liabilities .............. $ 1,099,173.10

STATEMENT

Showing condition at the close of business December 31, 1964, of

GEORGIA RAILROAD BANK & TRUST COl\fPANY Augusta, Ga.

As called for by the Superintendent of Banks

SHERMAN DRAWDY, President.

W. T. ROX, Cashier.

Date of Charter: 11-15-1892

Began Business: 12-31-1892

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga!i?n.s of States and political SUbdlVlSlOnS ......... , . , , , ..... . 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 ................. .

18,509,110.45 17,3ll,(ifi1.30 10,715,824.35
None 205,000.00 48,965,670.21 2,212,988.70
77,495.74
None 7,650.00 690,486.93 98,695,887.(;8

LIABILITIES

Demand deposits .................. $ 28,209,202.24

Time deposits .................... . 31,892,734.78

Deposits of U. S. Government ..... . 3,457,995.19

De~o~i~s of States and political sub-

dlVlSlOns ..................... , , . 17,002,427.05

Deposits of banks ................. . 6,921,774.6(;

Other deposits (certified and officers'

checks, etc.) ................... .

:l41,072.85

Bills payable .................... .

None

Acceptances executed by or for ac-

count of this bank and outstand-

ing ............................ .

7,650.00

Other liabilities .................. . 4,638,357.11 I

Capital .......................... . 3,000,000.00

Surplus ......................... . :l,OOO,OOO.OO

Undivided profits ................ .

224,673.80

Reserves ......................... .

None

Total Liabilities ...............~ 98,G95,887.fi8

16

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

METROPOLITAN STATE BANK Augusta, Ga.

As called for by the Superintendent of Banks

FELTON DUNAWAY,

JOHN C. JORDAN,

President. Date of Charter: 1-14-1963

Cashier. Began Business: 2-11-1963

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'?n.s of States and political
subdtvtstons . . . . . . . . . . . . . . . . . . . . . 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 . . . . . . . . . . . . . . . . . . . . . .

327,842.61i 465,257.17
None None None 1,153,505.10 90,485.33 None
None None 21,793.88

Total Assets .................. $ 2,058,884.14

LIABILITIES.
Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvisions ....................... . Deposits of banks ................. . Other deposits (certified and officers'
cheeks, etc.) ................... . Bills payable ..................... . Acceptances executed by or for ac-
count of this bank and outstanding ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ......................... .

~09,1:J0.~7
:J96,176.81 14,711.8:l
475,412.16 None
34, 7:!1.27 None
None 64,284.56 200,000.00 50,000.00 14,436.64
None

Total Liabilities ...............$ 2,058,H84.14

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances. and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.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 indirectly representing bank premises
or other real estate ............ . Customers' liability to this bank on
acceptances outstanding ........ .
Other Assets ..................... .

:J09,907 .I;(\ 720,2!8. 77 1,249,224.:l7
None 31,726.42 1\,47:1,228.29 27,050.28 26,:l91.G 1
~12.4ii
None None

Total Assets . . . . . . . . . . . . . . . . . . $ H,S:lX,559. 75

LIABILITIES Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
dtvtsions ....................... .
Deposits of banks ................. . Other deposits (certified and officers'
checks, etc.) ................... .
Bills. payable .................... .
Acceptances executed by or for account of this bank and outstand~g ........................ , ... .
Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves

41,95G.~JK
H,50H,7:34.9:J f\,759.7:3
770,464.27 :J5,000.00
None None
None 6,!6:3.67 200,000.00 :100,000.00 519,481.17 4GO.OOO.OO

Total Liabilities ..

. . . . . . . . . $ x,x:~x.iifi9.7fi

FORTY-FIFTH ANNUAL REPORT

17

STATEMENT

Showing condition at the close of business December 31, 1964, 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, 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'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

672, 766.4K 97:i,O:n .02 291,490.60
None None 1 ,90(i,43G.77 110,229.7:1 N<Jne
None None 34,:129.25

Total Assets .................. $ :J,988,289.X5

,

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

1,177,:!00.59 8!H,675.00 21,710.17
441,415.61 946,949.17
27,338.87 None
None 162,015.30 180,000.00 70,000.00 44,885.14 85,000.00

Total Liabilities . . . . . . . . . . . . . . . $ 3,9RR,2H9.Kfi

STATEMENT

Showing condition at the close of business December 31, 1964, of AUSTELL BANK Austell, Ga.
As called for by the Superintendent of Banks

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

WALTER M. MILLS, Cashier.
Began Business: 1-10-1910

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

f:il:i,550.4!l 1,930,20(Un 1,080,126.24
50,075.{)0 None
4,602,351.21 2!19,174.:10 None
None None 69,955.60

Total Assets .................. $ R,545,4!lH.fi1

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

4,335,524.!11 2,929,24l.:l6
152,784.08
!115,747.99 None
9,979.24 None
None lli9,75G.19 250,000.00 :JOO,OOO.OO
82,406.44 None

Total Liabilities ............... $ 8,545,4:19.61

18

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS AND SOUTHERN DEKALB BANK Avondale Estates. Ga.

As called for by the Superintendent of Banks

W. D. SKINNER, President.
Date of Charter: 11-16-1948

BERT FLOYD, Cashier.
Began Business: 8-18-1949

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.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

1,651,860.89 1,652,049.00
737,421.59 None
1,710.00 :1,535,017.62
22,128.64 None
50,000.00 None
53,244.80

Total Assets ................. . 7,703,432.54

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 ....................... , ..

4,215,176.52 1,984,915.39
141,328.82
189,133.40 None
36,562.93 None
None 464,267.39 200,000.00 200,000.00
80,688.67 191,:3!>9.42

Total Liabilities ............... $ 7,70:l,4!l2.54

STATEMENT

Showing condition at the close of business December 31, 1964, 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

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

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .... $
United States Government obligations. direct and guaranteed .....
Obliga~i'?n.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 indirectly representing bank premises
or other real estate............. . Customers' liability to this bank on
acceptances outstanding ........ .
Other Assets ..................... .

1,675,040.82 2,619,912. 70
332,632.21 60,156.25 10,500.00
2,571,321. 75 89,948.05 None
None None 31,846.79

Total Assets .................. $ 7,391.358.57

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

3,214, 732.80 2,552,579.41
50,374.9R
945,334.10 112,371.26
32,109.38 None
None 61,496.47 200,000.00 150,000.00 72,360.67
None

Total Liabilities .............. $ 7,891 ,:l5R.fi7

FORTY-FIFTH ANNUAL REPORT

19

STATEMENT

Showing condition at the close of busipess December 31, 1964, of

CITIZENS BANK Ball Ground, Ga. As called for by the Superintendent of Banks

B. R. JONES, President.
Date of Charter: 9-28-192.6

SAMUEL A. LAW, Cashier.
Began Business: 10-1-1926

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection ....$

1 9 8 , 7 4~.07

United States Government obliga-

tions, direct and guaranteed ..... 786,874.00

Obliga!i'?n.s of States and political subdtvtstons .................... .
Other bonds, notes, and debentures

69,852.32 160,119.98

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

784,3ff5.93

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

2,522.28

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

----

Total Assets ................. $ 2,002,4R2.5~

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dJvJstons ....................... . 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 ......................... .

870, 781.~4
614.~10.5fi
15,!195.54
214,329.24 None
5.00 None
None 20,365.00 45,000.00 105,000.00 72,295.96 45,000.00

Total Liabilities ...............$ 2,002,482.5:1

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances. and cash items in process of collection. . . . $
United States Government obligations, direct and guaranteed .....
o~~~~f!1~i~n~f .~t~t~~..an~ ..p~liti~~~
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 . . . . . . . . . . . . . . . . . . . . . .

9

73

,

4

9

6



" 2o

1 282

,

567

. 9;1

303,156.45 %0,178.38

None

1,649,875.1(;

:17,383.00

None

None
None 5,268.57

Total Assets .................. $ 4,601,925.77

* LIABILITIES
Demand deposits ................. 2,781,891.88 Time deposits .................... . 926,010.54

Deposits of U. S. Government..... .

10,593.30

De~o~i~s of States and political subdtvsons ....................... .
Deposits of banks ................. .

370,576.95 80,898.50

Other deposits (certified and officers'

checks, etc.) ................... .

12,349.38

Bills payable .................... .

None

Acceptances executed by or for ac-

count of this bank and outstanding ............................ .

None

Other liabilities .................. .

20,341.00

Capital .......................... .

100,000.00

Surplus ......................... .

100,000.00

Undivided profits ................ .

134,864.27

Reserves ......................... .

64,399.9fi

Total Liabilities ...............$ 4,601,925.77

20

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed..... Obliga~i'?n_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 indirectly representing bank premises or other real estate..............
Customers' liability to this bank on
acceptances outstanding . . . . . . . . .
Other Assets , . . . . . . . . . . . . . . . . . . . . .

577,767.RO 1,mG,212.74
None 54,727.50
7,500.00 1,:{85,53G.9G
4:1,028.94 None
None None None

Total Assets .... , , ...... , .. , .. $ ~.744,773.94

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 ........... : ... .

1,17:1.~5V.5~
1,596,319.55 25,721.27
:1:18,635.89 116,958.79
7,166.10 lllO,OOO.OII
:None None 100,000.00 1511,000.00 l:l2,282.9:J :],729.8:1

Total Liabilities ............... ~ :J,744,77:l.94

STATEMENT

Showing condition at the close of business December 31. 1964. 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-

cluding reserve balances, and cash

items in process of collection .... $ 558,138.14

United States Government obligations, direct and guaranteed ..... 1,077,00:].44

Obliga~i'?n.s of States and political
subdJVlSIOllS ....

G29,9:18.19

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

LOans and discounts (including overdrafts) ........................ . 1,508,665. 72

Bank premises owned, furniture and

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

:10,900.00

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

----

Total Assets .................. $ 3,,804,645.49

LIABILITIES Demand deposits .................. :!i 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 ..

1,422,:101.22 l,li07 ,582.5:1
55,\JOl.(i~)
207,:150.08 81i,829.54
4,259.51> None
None None 100,000.00 100,000.00 2211,420.87 None

Total Liabilities ............... $ :),804,(i45.4H

FORTY-FIFTH ANNUAL REPORT

21

STATEMENT

Showing condition at the close of business December 31, 1964, of

UNION COUNTY BANK Blairsville, Ga.

As called for by the Superintendent of Banks

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

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

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed... . .
Obliga!i'?n.s of States and political SUbdlVlSlOnS , .. , , . , . , . . . . . . . . . . .
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 .................. , . . .

501,151.54 584,081.50
31,036.81 50,000.00
None 1,099,197.02
17,091.72 None
None None None

Total Assets .................. $ '2,282,558.59

LIABILITIES

Demand deposits ................. .

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i~s of States and political sub-

dtvtstons ....................... .

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

......... .

1,138,150.2:1 772,711.3:1 25,919.17
150,632.44 None
7,619.93 None
None 12,654.73 50,000.00 75,000.00 49,870.76
None

Total Liabilities ............... $ 2,282,558.ii9

STATEMENT

Showing condition at the close of business December 31, 1964, 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

RAY HARRIS, Cashier.
Began Business: 4-28-1941

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed..... Obliga~i<?";S of States and political subd1v1s1ons . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

443,320.51 I, 160,806.82
176,222.82 None None
l,:H1;,395.87 41,261.92 8,000.00
None None 2,153.86

Total Assets .................. $ 3,148,161.80

LIABILITIES Demand deposits ................. $ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~ of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,426,500.25 1,262,047.91
:]4,933.67
1G4,599.4H 5,000.00
5,885.32 None
None 33,313.89 100,000.00 75,000.00 50,881.27
Norw

Total Liabilities .............. $ :J,14X,16l.HO

22

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

FIRST STATE BANK OF BLAKELY

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

JOHN C. HOLMAN, President.
Date of Charter: 5-6-1937

WILLARD N. DuBOSE, Cashier.
Bega!l Business: 5-15-1937

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga!i'?n.s of States and political
SUbdlVISlODS .. , . .
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 . . . . . . . . . . . . . . . . . . . . . .

816,685.99 6(i3,870.11 443,572.43
None 75,000.00 :l,526,791.29 13,587.92
None
None None 788.32

Total Assets .................. $ ii,ii40,296.06

LIABILITIES Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 .................. .

2,631,378.77 1,873,011.87
32,715.26
379,244.24 5,843.2R
29,072.64 None
None 60,324.33 100,000.00 160,000.00 177,756.82 90,94R.85

Total Liabilities .............. $ 5,540,296.06

STATEMENT

Showing condition at the close of business December 31, 1964, of

FANNIN COUNTY BANK Blue Ridge, Ga.
As called fm by the Superintendent of Banks

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

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

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection ....$
United States Government obligations, direct and guaranteed. . . . .
Obliga!i'?n.s of States and political subdtviSJons ............. , . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,25~.~07 .~u 1,646,16:l.44
:l74,918.5!i 50,000.00 None
1,486,151.60 25,000.00 None
None None None

Total Assets .................. $ 4,792,140.80

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

1,699,4:J1.6:l 2,199,973.51
43,940.34
418,596.49 None
19,931.14 None
None 56,792.32 100,000.00 !50,000.00 78,475.37 25,000.00

Total Liabilities .............. $ 4,792,140.80

FORTY-FIFTH ANNUAL REPORT

23

STATEMENT

Showing condition at the close of business December 31, 1964, of

PEOPLES BANKING COMPANY

Boston, Ga.

As called for by the Superintendent of Banks

J. E. CROMARTIE,

MISS MARY R. LEAK,

President.

Cashier.

Date of Charter: 1-29-1947

Began Business: 4-1-1947

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection .... $ 167,199.59

United States Government obligaM tions, direct and guaranteed .....

244,875.00

Obliga~i'?n.s of States and political
SUbdtVJSlODS ....
Other bonds, notes, and debentures

None None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discountS (including overdrafts) ........................ .

:l15,739.72

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

5,H29.9:l

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . .. .. .. .. .. . . .. . . .. . . .

536.71

-----

Total Assets .................. $ 7:l4,1R0.95

LIABILITIES Demand deposits .................$ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i?' of States and political sub-
dtvtstons ....................... . 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 ......................... .

387,122.77 210,877.11
10,627.07
52,308.45 None
None None
None None 25,000.00 10,000.00 :38,245.55 None

Total Liabilities ............. -~ 7:J4,1X0.95

STATEMENT

Showing condition at the close of business December 31, 1964, 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 Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
o~~~~!~~~i~n~f .st~tes ..~nd ..political
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 . . . . . . . . . . . . . . . . . . . . . .

655,9~2.:l2
l,R9R,918.07 372,262.59 None None
2,26X,185.80 :3:1,000.00 None
None None 1,6:16.84

Total Assets .................. $ 5,229,9~S.G2

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ........................ , .

2,799,055.90 1,397,006.04
227,1'76.98
272,:l58.G4 None
12. 9:l None
None 174,752.48 100,000.00 100,000.00
94,308.45 65,264.20

Total Liabilities ............... $ 5,229,935.62

24

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

BRASELTON BANKING COMPANY

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

H. F. BRASELTON, President.

JOHN 0. BRASELTON, JR., Cashier.

Date of Charter: 12-13-1948

Began Business: 12-18-1948

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... .$ United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s of States and political
SubdtVISIODS ........ , , ..... .
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 .................. $

206,441.18 366,188.35
48,843.66 None None
;124,605.50 1,300.51 None
None None 620.10 947,999.30

* LIABILITIES
Demand deposits ................. Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!" of States and political sub-
dtvtstons ....................... . 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 ................. .

45~,034.79
None 99.42
3:12,586.51 None
7 ,ROO.OO None
None None
~5,000.00
75,000.00 54,478.58
None

Total Liabilities .............. $ 94 7,999.:10

STATEMENT

Showing condition at the close of business December 31, 1964, of
COMMERCIAL & EXCHANGE BANK Bremen, Ga.

As callt>d fnr hy t lw Supt>rintPndPnt nf Hanks

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 items in process of collection ... $ United States Government obligations, direct and guaranteed. . . . .
Obliga!i'?n.s of States and political subdtvtsiOns . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,874,013.55 1,718,097 .8~
451,272.63 None None
1,866,900.83 26,586.04 15,000.00
None None 27,148.45

Total Assets ..................$ 5,979,019.32

LIABILITIES
Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ................ .

:l,550,623.2:l 1,181,326.15
239,425.62
397,747.24 57,898.46
18,472.66 None
None 20,866.64 200,000.00 150,000.00 162,659.32
None

Total Liabilities ............... $ 5,979,019.:12

FORTY-FIFTH ANNUAL REPORT

25

STATEMENT

Showing condition at the close of business December 31, 1964, of
FARMERS & MERCHANTS BANK Brooklet, Ga.
As called for by the Superi1itendent of Banks

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

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

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed..... Obliga~i'?n.s 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
oti."e~eiJ...~s~~s. ~~~~a~~~~g.:::::::::

286,587.45 ii72,114.50
None None None 1,047,459.1i5 7,965.56 None
None None 6,120.82

Total Assets . . . . . . . . . . . . . . . . . . $ 2,020,24'7. 9H

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

95~,gu:~.:i6
774,120.0:1 6,792.21
ti0,475.fi2 None
10,999.25 None
Nune None
;;o,ooo.oo
125,000.00 20,057.51 20,000.00

Total Liabilities ............... $ 2,020,247 .9X

STATEMENT

Showing condition at the close of business December 31, 1964, of HARALSON COUNTY BANK Buchanan, Ga.
As called for by the Superintendent of Banks

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

JAMES BROWN, Cashier.
Began Business: 3-4-1909

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection ....$ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s 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 ..................... .

4XG,K12.GO HX,197.9S
:125.000.00 None
~1\:ll ,051.02 21.500.27 None
None None None

Total Assets .................. $ 2,(iK4,:1~l4.1:l

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

1 ,57X,O:{x.O:i :189,114.41 28,0R!UlR
24!l,02L!)2 NotH'
1 K l,RHG.51 NonP
None Non" 40,000.\JIJ (ill,OOU.OO 125.1J00.0(1 :;r;,2:\4.;)1-(

Total Liabilities .....

. . . $ 2,1iX4.:l~4.1:l

26

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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
items in process of collection ....

615,578.fi2

United States Government obliga-

tions, direct and guaranteed.....

!:!04,571.:~5

Obliga~i'?n.s of States and political

subdiVISlODS . . . . . . . . . . . . . . . . . . . . .

242,4H4.4G

Other bonds, notes, and debentures

20,000.00

Corporate stocks (including stock of

Federal Reserve Bank)...........

Nonp

Loans and discounts (including over-

drafts) . . . . . . . . . . . . . . . . . . . . . . . . . 1,0\,i>, 10/.H!)

Bank premises owned, furniture and

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

2.011

Real estate owned other than bank

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

1.oo

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

Nonf'

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .

420.11

* Total Assets .................. 2,H7X.)75.4H

LIABILITIES Demand deposits .................. :j; 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 ................ .

1 .~4~. 17~.114 GHO, 788.fili ~ 1 ,596.41!
G!2,440.00 liO,OOO.OII
:]:1,541.01 Now
None
25,007.~S
50,000.00 100,000.00 4(),622.:1\l
Norw

Total Liabilities ............... ' ~.H7R,!7G.4R

STATEMENT

Showing condition at the close of business December 31, 1964, 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 items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i~n.s 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 . . . . . . . . . . . . . . . . . . . . . .

75:),197.~2 l.U~:),l:-{7.44
:nfi,205.:)5 None None
2,ii%,H21.4:l !)2,44:1.4;) 1.00
None None 2,4G2.27

Total Assets ...... .

. . ~ 4,B0:1,2G~.Ui

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 .......... . Reserves

~.:144,RO!l.:)2
1 ,:);)2,21:).5fi 9:),05G.04
71i6,426.22 Nont.>
14,70:l.9R Non('
None :14,171. 7R I 00,000.00 100,000.00 11 7.R~o.r;r;
Norll'

Total Liabilities ...

. . . . . ,S 4.~l0:{,2GH.lfi

FORTY-FIFTH ANNUAL REPORT

27

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS STATE BANK Butler, Ga.

As called for by the Superintendent of Banks

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

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

ASSETS
Cash, balances with other banks, including reserve balances, and cash
items in process of collection .... $
United States Government obligations. direct and guaranteed.....
Obliga~i?~s of States and political subdtVlSlOnS . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

(i05,5:i7.:J~ ~14,;-wo.9~J
107,000.00 None None
l.7X7.1g6.:l7 10,7:30.41 19,659.XO
None None 65,205.:32

Total Assets .................. $ 8,509,620.27

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

1,fi41 ,(i2G.l!l 1,1H7,149.:1K
2:-~.og:~.fi4
440.9g:1.22 None
:l2.24:l.01 None
None tiK,492.07 100,000.00 110,000.00
None G,042.90

Total Liabilities ............... $ :~.fi09,ti20.27

STATEMENT

Showing condition at the close of business December 31, 1964, 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, including reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political SUbdtVlSIOnS .... , ..... , ........ .
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 ..................... .

164,98.).11 1:l4,325.00
19,584.08 174,:375.00
None 537,681.97
7 ,094.u9 None
None None 76:J.8:l

Total Assets .................. $ 1,0:l8,807.68

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... .
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 .......... .

G:l4,7n.7ti 251,87G.99
1,:Jo5.or;
4ti,459.GH None
7 ,05\:l.(i() NoTH'
None 4,X70.41 :)0,000.00 20,000.00 42,457.12
None

Total Liabilities . . . . . . . . . . . . . $ 1,0:18 ,8(>7.fi8

28

~EPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

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

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political subdtvtstons .................... . 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 .. .. .. .. .. .. .. .. .. $

170,59:l.l4 21X,9fiH.O!J
None None None
~;{l,lHO.fi(i
None
None None 4, 777.2H

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

2XI,U~2.:ll
104,301.61
~.H25.7G
12!l,28:l.27 None
1,111.21 None
None 12,874.5:1 50,000.00 ilO,OOO.OO :lO,Z23.17
None

* Total Liabilities ..............

fi44,fi01 .Rii

STATEMENT

Showing condition ~t the close of business December 31, 1964, 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, 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'?n.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 indirectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding ........ .
Other Assets ..................... .

1,215,956.4(\ 1,513,843.75
941,144.59 None None
3,796,370.39 29,000.00 None
51,561.00 None
1,809.37

Total Assets ................ .. 7,549,685.56

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

~.777,497.0()
2,660,429.0\J 94,500.56
:120,673.6:3 NonP
21.435.37 None
None 82,540.46 200,000.00 225,000.00 167,609.45
None

Total Liabilities ............... $ 7,549,685.5(\

FORTY-FIFTH ANNUAL REPORT

29

STATEMENT

Showing condition at the close of business December 31, 1964, 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, Cuhier
Began Business: 1-1-1904

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 927,175.90

United States Government obliga-

tions, direct and guaranteed ..... 1,262,934.73

Obliga!i~n.s of States and political

SUbdiVlSIOllS , , ... , , , , , , , ,

215,987.89

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ . 1,480,232.17

Bank premises owned, furniture and

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

48,621.05

Real estate owned other than bank

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

1.00

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .

5,406.87

----

Total Assets . . . . . . . . . . . . . . . . . . 3,940,359.nl

LIABILITIES Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... .
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 ......................... .

1,489,373.30 1,197,807.28
45,928.62
848,194.23 40,726.38
38,958.12 None
None 2,289.76 100,000.00 100,000.00 77,081.92
None

Total Liabilities .............. $ 3,940,359.(i]

STATEMENT

Showing condition at the close of business December 31, 1964, 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

Cash, balances with other banks, in-

cluding reserve balances, and cash $ items in process of collection ....

(;13,314.35

United States Government obligations, direct and guaranteed .....

831,239.44

Obliga!i~n.s of States and political subdtvtstons ................... .
Other bonds, notes, and debentures

251,034.09 25,156.25

Corporate stocks (including stock of Federal Reserve Bank) ......... .

None

Loans and discounts (including overdrafts) ........................ .

2,260,024.80

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

42,489.70

Real estate owned other than bank

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

1.00

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

None

acceptances outstanding ...

None

Other Assets ...................... _ _ _ _ __

Total Assets ................. . 4,023,259.63

LIABILITIES Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... .
Deposits of banks ................. . Other deposits (certified and officers'
checks, etc.) ................... . Bills payable .................... .
Acceptances executed by or for account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
ReRerves ................ .

1,581,749.53 1,282,504.01
9,250.13
785,238.92 5,000.00
54,797.64 None
None None 100,000.00 100,000.00 53,070.24 51,649.16

Total Liabilities .............. $ 4,023,259.63

30

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

PLANTERS & CITIZENS BANK

Camilla, Ga.

As called for by the Superintendent of Banks

E. J. VANN, III,

JOE B. ADAMS,

PresidenL

Cashier.

Date of Charter: 9-20-1904

Began Business: 5-24-1913

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ... $ 1;78,558.8H

United States Government obliga-

tions, direct and guaranteed ..... ] ,!i72,830.!J7

Obliga~i'?n.s of States and political

subdJVlSIODS .........

425,475.10

Other bonds, notes, and. debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ . ;),254,712.71

Bank premises owned, furniture and

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

92,000.00

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

-----

Total Assets .................. $ 6,023,577.66

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

2,320,178.95 2 , 5 2 0 , 9 0 6 . 71
7!J,49G.H2
GiHJ,!)89.Hfi
Nonr:
:{7,316.35 None
None None 250,000.00 100,000.00 20,338.98 None

Total Liabilities ...............~ 6,023,577.66

STATEMENT

Showing condition at the close of business December 31, 1964, 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 banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed... . .
Obliga~i'?n.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 . . . . . . . . . . . . . . . . . . . . . .

1,257,217.85 2,396,282.Hi 1,054,428.94
290,200.00 None
3,271,894.81 34,926.11 None
None None 1,100.00

Total Assets .................. $ 8,306,049.87

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

3,057,277.52 3,540,773.72
137,204.94
562,403.60 79,230.19
41,660.65 None
None 263,079.19 200,000.00 300,000.00 104,420.06
20,000.00

Total Liabilities .............. $ 8,306,049.87

FORTY-FIFTH ANNUAL REPORT

31

STATEMENT

Showing condition at the close of business December 31, 1964, 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, 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'?n.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 indirectly representing bank premises
or other real estate. . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

1,026,431.27 2,238,732.00 1,051,449,11
None None 3,388,415.52 112.524.40 None
None None 5,611.34

Total Assets .................. $ 7,823,163.64

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

3,020,864. 76 3,566,092.23
57,174.57
360,631.25 40,899.67
45,542.23 None
None 27,933.75 200,000.00 250,000.00 204,025.18 50,000.00

Total Liabilities .............. $ 7,H23,16:l.64

STATEMENT

Showing condition at the close of business December 31, 1964, of

CARNESVILLE STATE BANK Carnesville, Ga.

As called for by the Superintendent of Banks

GORDON M. TELFORD,

GORDON M. TELFORD,

President.

Cashier.

Date of Charter: 7-18-1960

Hegan Business: 8-1-1960

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cas'h items in process of collection ... $
United States Government obligations, direct and guaranteed... . .
Obliga~i'?n.s 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 . . . . . . . . . . . . . .

406,527.99 648,600.00
None 24,750.00
None
6~4.542.71
2,404. 72 None
19,437.50 None None

Total Assets ................. $ 1.736,262.92

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves ................ .

711,783.57 452,270.10
8,798.19
447,275.14 None
3,236.42 None
None 8,945.32 50,000.00 40,000.00 13,954.1R
None

Total Liabilities .............. $ 1,736,262.92

32

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdlVlSlons . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,666,178.92 2,349,601.78
449,306.53 100,000.00
None 3,609,819.41
159,298.22 None
None None None

Total Assets .................. $ s,:l:l4,204.8o

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 .................. .

5,096,145.30 635,598.42 110,220.12
1,584,547.45 ;13,938.94
2,539.86 None
None
~06,889.63
150,000.00 250,000.00
50,000.00 214,325.14

Total Liabilities ............... $ 8,334,204.86

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political subdtvtstons ................... .
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-
rectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding ........ .
Other Assets ..................... .

559,663.72 1,801,784.02
199,094.48 100,000.00
None 1,561,495.06
27,441.00 None
100,000.00 None
16,760.30

Total Assets .................. $ 4,366,238.58

LIABILITIES Demand deposits ................ . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~ of States and political sub-
dtvtstons ....................... .
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 ................ . Re:;;erves

1,647,566.1:l 1,393,252.04
63,895.98
769,358.48 None
12,458.89 None
None 102,831.55 100,000.00 230,000.00
41,688.38 5,187.13

Total Liabilities .............. $ 4,366,238.58

FORTY-FIFTH ANNUAL REPORT

33

STATEMENT

Showing condition at the close of business December 31, 1964, of

'PEACHTREE BANK AND TRUST COMPANY Chamblee, Ga.

As ealled for by the Superintendent of Banks

CLAUDE H. BOOKER, JR.,
President. Date of Charter: 317-1960

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

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection .... $ 832,912.52

United States Government obligations, direct and guaranteed ..... 1,036,472.89

Obliga!i'?n.s of States and political
SUbdJVlSIODS . , , .
Other bonds, notes, and debentures

35,231.66 400,000.00

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ . 2,649,551.96

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

39,540.45

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

109,994.98

Customers' liability to this bank on acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .- - -28,8-39-.34

Total Assets .................. $ 5,132,543.80

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . De~o~i?' of States and political sub-
dJVJSJOns ....................... . 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, 750,633.32 1,022,091. 76
416,110.82
328,102.52 None
79,334.53 None
None 174,033.61 125,000.00 150,000.00
87,237.24 None

Total Liabilities ............... $ 5,132,543.80

STATEMENT

Showing condition at the close of business December 31, 1964, of

COIIUTI'A BANKING COMPANY Cllatawortb, Ga.

As ealled for by the Superintendent of Banks

R. E. CILUIBERS,

FRANCES HEARTSELL,

President.

Cashier.

Date of Charter: 7-17-1901i

Began Business: 1-24-1906

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection ....$
United States Government obligations, direct and guaranteed. . . . .
Obliga!i'?n.s of States and political subdtvtstons . . . . . . . . . . . . . . . . . . . .
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 premise~? or other real estate. . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

714,626.40 2,007,140.13
182,748.73 None None
1,409,258.30 53,000.00 None
None None None

Total Assets .................. $ 4,366,773.56

LIABILITIES Demand deposits . . . . . . . . . . . . . . . . . $
Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dJvlsJons ....................... .
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 ......................... .

2,044,685.82 1,543,540.45
94,911.00
414,596.62 None
3,995.61 None
None None 100,000.00 150,000.00 6,000.00 9,044.06

Total Liabilities .............. $ 4,366,773.56

34

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
BANK OF CHICKAMAUGA Qidrawaap, GL
As called for by the Superintendent of Banks

W. B. EDWARDs, President.
Date of a.&rter: 2-16-1910

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

ASSETS
Cash, balances with other banks, including reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

479,551.73 1,311,308.75
325,741.06 None None
1,800,106.02 21,769.09 None
None None None

Total Assets . . . . . . . . . . . . . . . . . . 3,938,476.65

LIABILITIES Demand deposits . . . . . . . . . . . . . . . . $ Time deposits ................... . Deposits of U. S. Government .... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,365,102.57 1,501,526.84
102,536.72
'342,936.35 None
12,695.49 None
None 259,887.19 100,000.00 100,000.00
93,791.49 60,000.00

Total Liabilities .............. $ 3,938,476.65

STATEMENT

Showing condition at the close of business December 31, 1964, of

HABERSHAM BANK Clarkeamle, Ga.

As called for by the Superintendent of Banks

TOM ARRENDALE. President.
Date of Charter: 5-13-1904

W. W. DUNSON, Cashier.
Began Business: 5-1904

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash$ items in process of collection ... :
United States Government obligations, direct and guaranteed. . . . .

459,986.20 l ,664, 772.46

Obliga!i'?n.s of States and political
SUbdiVISJOllS .. , , , , , , , , ..
Other bonds, notes, and debentures
Corporate stocks (including stock of Federal Reserve Bank) ......... .
Loans and discounts (including overdrafts) ........................ .
B~i:tJ::smi_s~. ~~-~~~. ~~~~~:~~~ -~~~

414 ,699 _82 100,000.00
None
1,351 ,678 _16
37,304.36

Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Investments and other assets indi-
~~c~fh:re~:~st~~~~fe.b.a.~~. ~~~~i~~~

None
None

Customers' liability to this bank on

None

acceptances outstanding . . . . . . . . .

None

Other Assets ..................... .- - - - -

Total Assets .................. ~ 4,028,441.00

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

1,956,284.55 1,398,974.48
61,706.83
221,177.93 None
17,624.82 None
None None 100,000.00 200,000.00 72,672.39 None

Total Liabilities .. , ........... $ 4,028,441.00

FORTY-FIFTH ANNUAL REPORT

35

STATEMENT

Showing condition at the close of business December 31, 1964, of
rBE CLAXTON BANK Claxton, GL
As called for by the Superintendent of Banks

H. C. HEARN, JR.,
President. Date of Charter: 2-24-1941

AUB!tEY STRICKLAND,
Cashier. Began Business: 2-24-1941

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash$ items in process of collection .... 1,371,830.08

United States Government obligations, direct and guaranteed .....

714,470.85

Obliga!i?n.s of States and political
subdJVJSlODS .....
Other bonds, notes, and debentures

617,192.85 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ . 2,633,961.23

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

23,633.14

Real estate owned other than bank premises ....................... .

20,000.00

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .- - 3-,516-.67

total Assets .................. $ 5,384,604.R2

LIABILITIES Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government..... . De~o~i!" of States and political sub-
dtvtstons ....................... . 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 ......................... .

2,045,224. 75 1,913,502.20
301,079.69
627,372.89 10,000.00
11,517.70 None
None 26,355.59 100,000.00 200,000.00 123,212.39 26,339.61

Total Liabilities ............... $ 5,384,604.82

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... $
United States Government obligations, direct and guaranteed... . .
o~~~~~~~~i~n~f _states_ -~nd ..p~litical
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 . . . . . . . . . . . . . . . . . . . . . .

457,997.03 666,504.34 347,330.64 199,875.00
None 1,466,582.48
36,406.09 3,120.00
None None 370.17

Total Assets .................. $ 3,178,1R5.75

LIABILITIES Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i!" 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 outstand-
ing ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves ......................... .

1,309,579.45 1,394,984. 7fi
19,044.54
208,584.09 30,000.00
19,201.61 None
None None 50,000.00 100,000.00 46,791.31 None

Total Liabilities .............. $ 3,178,1H5.7fi

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of b~siness December 31, 1964, of
BANK OF CLAYTON Clayton. Ga.
As called for by the Superintendent of Banks

DR. J. C. DOVER, Presfdent.
Date of Charter: 6-3C)-!~OL

MISS P. D. BLECKLEY, Cashier.
Began Business: 7-1-1904

ASSETS
Cash, balances with other banks, ineluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga!i<?n_s of States and political subdtvtstons . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

448,873.19 888,473.53 405,264.67 533,331.47
None 1,600,445.96
43,4S4.82 None
None None 1,095.26

Total Assets .................. $ 3,920,918.90

LIABILITIES Demand deposits ..................$ Time deposits .................... . Deposits of U. S. Government..... . DeJ!o~i~s of States and political sub-
dtvistons ....................... . 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 ......................... .

2,297,043.24 814,283.00 22,802.21
284,026.77 10,000.00
8,223.42 None
None 118,592.66 100,000.00 150,000.00 100,947.60
14,000.00

Total Liabilities ...............$ 3,920,918.90

STATEMENT

Showing condition at the close of business December 31, 1964, of
THE PEOPLES BANK Cleveland, Ga.

As called for by the Superintendent of Banks

J. L. NIX,

LINDA H. BROWN,

President.

Cashier.

Date of Charter: 12-11-1945

Began Business: 7-1-1946

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 433,118.23

United States Government obliga-

tions, direct and guaranteed..... 443,044.00

Obliga!i'?n.s of States and political

subdtvtstons . . . . . . . . . . . . . . . . . . . . 370,454.78

Other bonds, notes, and debentures 124,718.75

Corporate stocks (including stock of

Federal Reserve Bank)..........

None

Loans and discounts (including over-

drafts) . . . . . . . . . . . . . . . . . . . . . . . . . 1,978,565.65

Bank premises owned, furniture and

fixtures . . . . . . . . . . . . . . . . . . . . . . . . 63,910.74

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

1.00

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .

None

Total Assets ................. $ 3,413,813.15

LIABILITIES Demand deposits ..................$
Time deposits .................... . Deposits of U. S. Government. .... . DeJ!O~i~s of States and political sub-
dtvtstons ....................... .
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 .................. .

1,515,963.29 1,170,602.92
28,610.97
372,271.00 None
26,468.14 None
None None 70,000.00 100,000.00 129,896.88 None

Total Liabilities ...............$ 3,413,818.15

FORTY-FIFTH ANNUAL REPORT

37

STATEMENT

Showing condition at the close of business December 31, 1964, 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 items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political subdtvJsJons .................... .
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-
rectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding ........ . Other Assets . 00 00 00 00 00 00 00

4S3,11il.S8 830,374.41i 218,014.7:1 150,000.011
None 1,:199,493.09
34,000.00 4,625.40
None None 9,593.35

Total Assets ..................$ .3,129,21;2.91

LIABILITIES Demand deposits ................ $ Time deposits ................... .
Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,346,833.02 1,104,474.02
20,571.5~)
374,386.(;7 None
1,977.31 None
None None 90,000.00 140,000.00 36,020.30 15,0011.00

Total Liabilities ..............$ 3,129,26Vll

STATEMENT

Showing condition at the close of business December 31, 1964, of
STATE BANK OF COCHRAN Cochran, Ga.

As called for by the Superintendent of Banks

L. D. GRIFFIN,

T. E. HOWELL,

President.

Cashier.

Date of Charter: 12-22-1921

Began Business: 1-6-1922

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'?n.s of States and political

subdtvtswns . . . . . . . . . . . . . . . . . . . .

Other bonds, notes, and debentures

Corporate stocks (including stock of

Federal Reserve Bank)..........

Loans and discounts (including over-

drafts)

00 00 00 00 00 . . 00 00 00 00 0 0 . . .

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

659,590.41i 1,079,24fi.R4
712,403.87 264,972.72
None l,H1H,466.47
11,600.00 None
None None 1,100.00

Total Assets .................. $ 4,547,380.36

LIABILITIES Demand deposits ................. ~ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~ 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 ......................... .

1,510,512.55 1,719,921.77
57,287.92
922,870.20 None
H,ll22.5H None
None 69, 729.~3 100,000.00 100,000.00 48,0:!6.00 10,000.00

Total Liabilities .............. $ 4,547,380.36

3R

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF COLLEGE PARK

CoUeee Park, Ga.

As called for by the Superintendent of Banks

J. N. WALKER,

JOHN L. McCAY,

President.

Cashier.

Date of Charter: 10-3-1945

Began Business: 1-7-1946

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection ... $ 692,756.97

United States Government obliga-

tions, direct and guaranteed ..... 2,282,416.84

Obliga!i'?n.s of States and political

SUbdiVISlODS ......

849,234.41

Other bonds, notes, and debentures

725,182.30

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ . 2,287 ,762.1f;

Bank premises owned, furniture and

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

fi2,04:J.:l:J

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

- - - - - Other Assets . . . . . . . . . . . . . . . . . . . . . .

44,551.60

Total Assets ...................$ 6,443,947.61

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

3,242,370.32 2,021,603. 7 4
53,047.95
578,283.60 None
13,255.68 None
None 144,994.85 150,000.00 187,500.00 52,891.47
None

Total Liabilities ............... $ 6,443,947.f;\

STATEMENT

Showing condition at the close of business December 31, 1964, of
CITIZENS BANK Colquitt, Ga.

As called for by the Superintendent of Banks

G. C. nNKS, SR.

G. C. JINKS, JR.,

President.

Cashier.

Da~ of Charter: 3-24-1924

Began Business: 4-21-1924

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .. :.$
United States Government obligations, direct and guaranteed.....
Obliga!i'?n.s of States and political
subdtVJSlOllS .. , , ..... , , ..... , ...
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 . . . . . . . . . . . . . . . . . . . . .

610,298.3:J 1,927,002.44
,_ 134 393 36
None None 2,686,110.50 69,833.00 None
None None None

Total Assets .................. $ 5,427,687.f;:J

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 account of this bank and outstand~
ing ............................ . Other liabilities .................. .
Capital .......................... . Sul'plus ......................... .
Undivided profits ................ . Re::;erves

2,460,27l.O:l 1,959,4 71.11
30,837.70
485,821.55 None
40,026.40 None
None 63,842.51 100,000.00 200,000.00 87,367.3:3
None

Total Liabilities .............. $ .fi,427,637.1;:J

FORTY-FIFTH ANNUAL REPORT

39

STATEMENT

Showing condition at the close of business December 31, 1964, of

COLUMBUS BANK AND TRUST COMPANY
ColumbiUI, 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 .... 9,339,496.98

United States Government obligations, direct and guaranteed ..... 11,316,402.39

Obliga!i<?n.s of States and political subdtvtstons .................... .
Other bonds, notes, and debentures

3,294,534.25 15,002.00

Corporate stocks (including stock of Federal Reserve Bank) .......... .

152,250.00

Loans and discounts (including overdrafts) ........................ .

30,101,029.79

Bank premises owned, furniture and fixtures ........................ . 1,413,30J.R~

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

300,000.00

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.-

421,601.84
----

Total Assets .................. $ 56,~5~,619.0R

LIABILITIES

Demand deposits ................. $ 25,562,037.50

Time deposits .................... . 13,833,266.36

Deposits of U. S. Government..... . 751,866.88

De~o~i!" of States and political subdtvtstons ....................... . 6,926,390.50

Deposits of banks................. . 1,036,327.45

Other deposits (certified and officers' checks, etc.) ................... .

409,976.50

Bills payable ..................... .

None

Acceptances executed by or for ac..

count of this bank and outstand-
ing:
Other liabilities .................. . Capital ........................ Surplus .......................... . Undivided profits ................ . Reserves ......................... .

None 1,898,007.94
1, 700,000.00
3,300,000.00 839,619.57
96,126.~8

Tots! Liabilities ............. $ fifi.~fi~,619.0H

STATEMENT

Showing condition at the close of business December 31, 1964, 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. Began Business: 3-19-1954

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cast items in process of collection ....$
United States Government obligations, direct and guaranteed .....
o~~~~r~~~i~n~f .~t~te~..and ..~~litic~~
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 . . . . . . . . . . . . . . . . . . . . . .

141,135.03 None
52 756 .83 None
1,510.46 895,478.44
1,169.07 122,679.2fi
4,920.00 None
5,390.82

Total Assets ..................$ 1,225,039.91

LIABILITIES Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government..... . De~o~i!" 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 ......................... .

None 486.4:J:l.4o
None
None None
None None
None 1H 1,368.14 100,000.00 200,000.00 257,2:JR.37
None

Total Liabilities .............. $ 1,225,089.91

40

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
MERCHANTS AND lo'ARMERS BANK OF COMER Comer, Ga.
As called for by the Superintendent of Banks

JOHN H. TERRELL, J~ President.
Date of Charter: 10-3-1935

MRS. M. B. BOOTH, Cashier.
Began Business: 10-10-1935

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 indirectly representing bank premises or other real estate ............. . Customers' liability to this bank on acceptances outstanding ........ . Other Assets ..................... .

152,578.77 9:J8,112.02
51,605.42 None None
609,450.77 5,363.59 None
None None 36,954.71

Total Assets .................. $ 1,794,0fi5.2R

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

1,130,930.44 279,284.41 30,794.65
128,558.29 None
2',305.25 None
None None 50,000.00 50,000.00 122,192.24 None

Total Liabilities .............. $ 1,794,065.28

STATEMENT

Showing condition at the close of business December 31, 1964, of
NORTHEASTERN BANKING COMPANY Commerce, Ga.

As called for by the Superintendent of Banks

R. M. DAVIDSON, President.

Wm. N. HARBER, Cashier.

Date of Charter: 8-25-1891

Began Business: 1892

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cast-: items in process of collection ...$ 857,163.37

United States Government obliga. tions, direct and guaranteed ..... 997,851.12

Obliga!i'?n.s of States and political subdiVISIOns .... , . , ............ .
Other bonds, notes, and debentures

4,000.00 50,000.00

Corporate stocks (including stock of Federal Reserve Bank) ......... .

6,000.00

Loans and discounts (including overdrafts) ......................... . 1,339,614.98

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

63,523.58

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on acceptances outstanding ........ .

None

Other Assets

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

.-

-

-

None
--

Total Assets ................. $ 3,318,153.05

LIABILITIES Demand deposits ................ $ Time deposits ................... .
Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
dtvistons ....................... . Deposits of banks ................. .
Otl)er deposits (certified and officers' checks, etc.) ................... .
Bills payable .................... .
Acceptances executed by or for account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves .............. .

1,603,837.94 936,623.11 37,850.28
453,304.3:l None
5,542.61 None
None 4,609.49 75,000.00 125,000.00 61,649.29 14,7:36.00

Total Liabilities ..............$ 3,318,153.05

FORTY-FIFTH ANNUAL REPORT

41

STATEMENT

Showing condition at the close of business December 31, 1964, of CONCORD BANKING COMPANY Concord, Ga.
As called for by the Superintendent of Banks

R. H. STRICKLAND, SR., President.
Date of Charter: 10-29-1903

MRS. KATHRYN BARKER, Cashier.
Began Business: 11-18-1903

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection ....$ United States Government obligations, direct and guaranteed ..... Obliga~i?~S of States and political
subdtVlSlODS , ...... , ............ .
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 ..................... .

188.940.1R 220,534.3R
1,429.52 159.687.50
None 58,938.94
1,436.84 1.00
None None None

~----
Total Assets .................. $ 6:10,968.36

LIABILITIES Demand deposits ................. $ Time deposits ................... . Deposits of U. S. Government..... . De~o~i?' 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 ......................... .

370,050.77 158,666.09
6.410.00
45.797.35 None
799.98 None
None None 25.000.00 15.000-.00 H,244.17 None

Total Liabilities .............. $ 630.968.36

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.... .
Obliga!i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

590,487.67 1.382,289.5(;
689.439.24 200,072.34
None 2.908,606.95
45,123.41 None
None None 16,071.77

Total Assets .................. $ 5.832,090.94

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'
cbecks, etc.) ................... .
Bills payable .................... .
Acceptances executed by or for account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves . . . . . ......... .

2,715,100.52 1,377,644.50
204,164.68
886,200.44 None
1,806.30 None
None 129,596.38 200,000.00 100,000.00 177,578.12
40,000.00

Total Liabilities .............. $ 5.832,09(UJ4

42

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK OF COOLIDGE

Coolidge, Ga.

As called for by the Superintendent of Banks

MICHEL DeLOACH,

W. C. GIBSON,

President.

Cashier.

Date of Charter: 12-18-1911

Began Business: 11-20-1911

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection .... $

!ll,77G.2G

United States Government obligations, direct and guaranteed .....

37r.,r;32.98

Obliga~i'?":s of States and political
SUbdJVJSlODS ...... , .
Other bonds, notes, and debentures

Nont:> 4!1,500.00

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

524,671.74

Bank premises owned, furniture and

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

Real estate owned other than bank premises ....................... .

NonP

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on acceptances outstanding ........ .

None

Other Assets ...................... _ _ _1_,_1_82_._4_8

Total Assets . . . . . . . . . . . . . . . . . . 1,045,856.15

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 .. , ....... , ... .

496,239.59 260,436.7:1
6,169.08
128,868.64 5,000.00
877.86 10,000.00
None None 25,000.00 75,iJ_Qo_.oo 37,427 .4B 836.77

Total Liabilities ............... $ 1,045,85). Hi

STATEMENT

Showing condition at the close of business December 31, 1964, of
CORDELE BANKING COMPANY Cordele, Ga.

As called for by the Superintendent of Banks

L. B. MADDOX,

R. M. FLEEMAN,

President.

Cashier.

Date of Charter: 5-31-1927

Began Business: 6-15-1927

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash$ items in process of collection ....
United States Government obligations, direct and guaranteed... . .
0~~~~!~1~i~n~f .St~t~~..~~d ..political
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 prf"mises or other real estate...........
Customers' liability to this bank on
acceptances outstanding . . . . . . Other Assets ..................... .

1,274,572.:-H~ 1,281,082.50
30,000.00 50,000.00
None 3,462,568 _12
58,541.46 None
None ~~~~

Total Assets .................. $ 6,156,759.46

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 (certified and officers'
checks, etc.) ................... . Bills payable .................... . Acceptances executed by or for ac-
count of this bank and outstanding ............................ . Other liabilities .................. . Capital ................... . Surplus ......... . Undivided profib Reserves

4,415,429.69 876,578.42 29,063.11
484,607.39 None
17,420.71 None
None None 100,000.00 100,000.00 123,287.1i
10,372.~S

Total Liahilities

. .. $ '6,15(),7!lD.4\i

FORTY-FIFTH ANNUAL REPORT

43

STATEMENT

Showing condition at the close of business December 31, 1964, of

FIRST STATB BANK IN CORDELE Cordele, Ga.

As called for by the Superintendent of Banks

C. H. DENNING,
President. Date of Chart~r: 12-3-1938

F. P. COWN, Cashier.
Began Business: 1-3-1939

ASSETS
Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 ...tate 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 . . . . . . . . . . . . . . . . . . . . . .

1,251,172.49 1,160,374.41
500,096.3(; None None
2,755,257.53 46,397.08 None
None None 3,201.00

Total Assets .................. $ 5,716,498.H7

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . DeJ!o~i~ of States and political sub-
dJvJsJons ....................... . Deposits of banks ................. . Other deposits (certified and officers'
checks, etc.) ................... . Bills payable ..................... . Acceptances exeeuted by or for ac-
count of this bank and outstanding ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... .
Undivided profits ................ . Reserves ......................... .

3,285,777.18 1,167,645.10
90,745.36
470,843.60 146,912.02
23,262.49 None
None None 125,000.00 100,000.00 155,568.59 150,744.53

Total Liabilities .............. $ 5,716,498.87

STATEMENT

Showing condition at the close of business December 31, 1964, of
CORNELIA BANK Cornelia, Ga.

As called for by the Superintendent of Banks

C. C. KIMSEY,

C. C. KIMSEY, JR.,

President.

Cashier.

Date of Charter: 7-3-1900

Began Business: 8-4-1900

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection ....$
United States Government obligations, direct and guaranteed.....
0~~~~~~1~~n~f .~t~tes .~~d..~~l~~ic~.l
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 . . . . . . . . . . . . . . . . . . . . . .

1,041,838.62 2,661,294.10
760,164.7 4 120,000.00
None
2,433,546.85 54,189.24 3.00
None None None

Total Assets ..................$ 7,071,036.55

LIABILITIES Demand deposits ..................$
Time deposits .................... . Deposits of U. S. Government..... . DeJ!o~i~ of States and political sub-
dtvtstons ....................... . 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 ........... , ............. .

:1,122,188.5:1 2,354,849.83
63,660.11
786,319.72 85,839.41
35,002.3:1 None
None 136,450.63 100,000.00 200,000.00 186,725.99
None

Total Liabilities ...............$ 7,071,036.5ii

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE BANK OF COVINGTON

Covington, GL

As called for by the Superintendent of Banks

R. R. FOWLER,

J. B. WEAVER,

President.

Cashier.

Date of Charter: 4-10-1901

Began Business: 4-10-1901

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and casP items in process of collection ... $ 1,394,292.61

United States Government obligations, direct and guaranteed ..... 2,544,807.79

Obliga~i'?n.s of States and political
SUbdiVISIOns ....................
Other bonds, notes, "and debentures

537,666.12 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ . 2,935,958.49

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

22,300.17

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate............. .

None

Customers' liability to this bank on

None

oth~~e~~~~es.

~~~~~~~~~~.::::::::. -

-

-29,8-77-.66

Total Assets ................. $ 7,464,902.84

LIABILITIES
Demand deposits ................. $ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ...... .' .................. .

:l,683,135.75 2,122,022.17
73,708.79
795,083.5(i None
17,352.12 None
None 95,928.35 200,000.00 400,000.00 77,;72.10
None

Total Liabilities ............... $ 7,464, 902.~4

STATEMENT

Showing condition at the close of business December 31, 1964, of
THE COMMERCIAL BANK Crawford, GL

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-
cluding reserve balances, and cash items in process of collection ... $ United States Government obligations, direct and guaranteed .....
Obliga!i'?n.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 ..................... .

338,158.94 591,511.00 127,295.49 190,000.00
None 808,876.75
16,000.00 None
None None 1,153.03

Total Assets ..................$ 2,072,995.21

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits ................ .

Reserves

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

980,636.75 805,397.0:]
8,321.45
110,310.16 None
5, 710.50 None
None 16,000.00 50,000.00 80,000.00 16,619.32
None

Total Liabilities ............... $ 2,072,995.21

FORTY-FIFTH ANNUAL REPORT

45

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE PEOPLES BANK

Crawfordville. Ga. As called for by the Superintendent of Banks

G. E. WILLIAMS, SR.,

E. W. REYNOLDS,.

President. Date of Charter: 12-8-1947

Cashier. Began Business: 1-2-1948

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 409,605.02

United States Government obliga-

tions, direct and guaranteed .....

549,937.33

Obliga~i'?n.s of States and political

subdtvtstons .................... .

None

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

666,327.33

Bank premises owned, furniture and

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

15,853.99

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

-----

Total Assets . . . . . . . . . . . . . . . . . . $ 1,641,723.67

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dJVJSJons ....
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 ......................... .

472,635.55 795,702.82
2,019.49
249,956.10 None
4,002.76 None
None None 25,000.00 75,000.00 17,406.95 None

Total Liabilities ...............$ 1,641,723.67

STATEMENT

Showing condition at the close of business December 31, 1964, of
BANK OF CUMMING Cumming, Ga.

As called for by the Superintendent of Banks

ROY P. OTWELL, SR.

FURMAN T. STANSELL,

President.

Cashier.

Date of Charter: 10-11-1904

Began Business: 10-19-1904

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i<?n.s 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 premise1? or other real estate..............
Customers' liability to this bank on
acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

1,559,776.49 1,365, 793.79
166,186.84 180,100.00
None 2,629,433.64
64,805.11 42,150.00
None None None

Total Assets .................. $ 6,008,245.87

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ................ .

2,643, 714.55 1,823,534.50
43,600.80
791,663.05 None
64,645.57 None
None None 200,000.00 350,000.00 91,087.40 None

Total Liabilities ............... $ 6,008,245.87

46

DEPARTMENT OF BANKING

STATEMENT
Showing condition at the close of business December 31, 1964, of FORSYTH COUNTY BANK Cumming, Ga.
As called for by the SupPrintendent of Banks

LEON BOLING, President.
Date of Charter: 6-15-1964_

JOHN V. STILLER, Cashier.
Began B11!;iness: 9-26-19~4

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 397,825.75

United States Government obliga-

tions, direct and guaranteed .....

496,880.02

Obliga!i'?n.s of States and political

SUbdiVlSJODS . , . , , , , , , , ,

None

Other bonds, notes, and debentures

125,015.63

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

435,989.43

Bank premises owned, furniture and

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

118,305.34

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .- - -1,9-70.-86

Total Assets .................. $ 1,575,987.03

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!" 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 ................ .

1,066,780.27 138,343.28 6,065.76
65,000.00 None
291.48 None
None 11,918.25 100,000.00 150,000.00 27,588.04 10,000.00

Total Liabilities .............. $ 1,575,987.03

STATEMENT

Showing condition at the close of business December 31, 1964, 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, in-
cluding reserve balances, and cash
items in process of collection .... $ United States Government obliga-
tions, direct and guaranteed .....
Obliga!i'?n.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 indirectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding
Other Assets ..................... .

505,711.77 1,697.15ii.21i
206,109.29 None None
1.214,R77.(;0 19,159.57 None
None None 1,765.88

Total Assets .................. $ 3,644,7R0.37

LIABILITIES Demand deposits ..................$ Time deposits .................... . Deposits of Uo S. Government ..... . De~o~i~s of States and political sub-
divisions 0 0. 0. 0 0 0 0 0 0 0. 0
Deposits of banks ................. .
Other deposits (certified and officers' checks, etc.) ................... .
Bills payable .................... . Acceptances executed by or for ac-
count of this bank and outstanding .. 0 o
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ . Reserve:-.

2,063,:317.90 630,941.25 67,923.27
469,187.65 20,000.00
:)1,542.70 None
None 5,735.18 125,000.00 125.000.00 l 06.132.42
None

Total Liabilities .....

..... $ :l.fi44.780.:l7

FORTY-FIFTH ANNUAL REPORT

47

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF DAHLONEGA Dahlonega, Ga.

As called for by tl;le 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-

cluding reserve balances, and cash

items in process of collection .... $ 436,800.08

United States Government obligations, direct and guaranteed .....

510,150.01

Obliga~i'?n.s of States and political
SUbdiVISIODS ... , , , , , ,
Other bonds, notes, and debentures

152,92:1.44 424,062.50

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

1,990,006.19

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

103,772.:14

Real estate owned other than bank premises ....................... ...

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

2,649.74

----

Total Assets ................. . 3,620,364.25

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ................ .

1,521,959.H7 1,074,668.81
:17,762.10
li4H,820.41 None
8.405.28 None
None None 100,000.00 200,000.00 28,747.78 None

Total Liabilities . . . . . . . . . . . . . . . $ :J,620,:lo4.25

STATEMENT

Showing condition at the close of business December 31, 1964, 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

JERRY J. HICKS,
Cashier. Began Business: 3-15-1963

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'?n.s of States and political
SUbdtVISIOnS .. , . , . , .... , .. , , , , ..
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 .................. 4:
Investments and other assets indirectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding ........ .
Other Assets ..................... .

506,7 42.26 198,758.00
None 50,000.00
None 531,215.55 55,146.45
None
None None None

Total Assets .................. $ 1,341,862.26

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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

709,769.20 295,684.01
8,330.29
118,371.96 None
2,538.62 None
None 6,1:11.05 100,000.00 70,000.00 31,037.13
None

Total Liabilities ...............$ 1,341,862.26

48

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

MARGARET MAULDIN, Cashier.
Began Business: 10-12-1912

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ... $ 1,395,929.54

United States Government obliga-

tions. direct and guaranteed ..... 1,940,482.18

Obliga!i'?n.s of States and political

subdJVlSJOns ....................

302,116.17

Other bonds, notes, and debentures

1.00

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over~

drafts) ........................ . 2,918,150.65

Bank premises owned, furniture and

fixtures ........................ . 108,994.68

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate.,, .......... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

-----

Total Assets ............... , , .$ 6,665,67 4.22

LIABILITIES
Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government..... . DeJ!o~i~ of States and political sub-
divtsions ....................... . 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 ......................... .

1,969,671.35 2,066,107.89
198,862.59
1,622,917.18 None
4R,430.73 None
None 207,904.07 200,000.00 200,000.00 107,705.87
44,074.54

Total Liabilities , .... , ........ $ fi,6G5,674.22

STATEMENT

Showing condition at the close of business December 31, 1964, of
HARDWICK BANK & TRUST COMPANY Dalton, Ga.

As called for by the Superintendent of Banks

F. L. WILLIAMSON,

CHAS. E. BOLDEN,

President. Date of Charter: 2-17-1922

Cashier. Began Business: 2-20-1922

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection .... $ 2,682,553.73

United States Government obligations, direct and guaranteed ..... 4,916,366.32

Obliga!i'?n.s of States and political
subdJVlSlODS ................... .
Other bonds, notes, and debentures

1,065,253.57 5,000.00

Corporate stocks (including stock of

Federal Reserve Bank) ......... .

1.00

Loans and discounts (including over drafts) ........................ . 7,352,691.40

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

189,890.39

Real estate owned other than bank premises ....................... .

28,080.12

Investments and other assets indi-

rectly representing bank premises or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets . , .................. .

461.21

-----

Total Assets .................. $ 16,240,297.74

LIABILITIES Demand deposits .................. $
Time deposits ..................... . Deposits of U. S. Government ..... . DeJ!o~i~s of States and political sub-
dtvtstons ....................... .
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 .................. .
~~~~~~~ .:::::: ::::::::::::::::::::
Undivided profits ................ , Reserves ................. .

9,212,058.27 4,234,776.21
824,323.00
716,623.42 None
69,191.41 None
None 163,266.51 250,000.00 650,000.00 120,058.92
None

Total Liabilities .............. $ 16,240,297.74

FORTY-FIFTH ANNUAL REPORT

49

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed .....
Obliga!i'?n.s of States and political
SUbdtVISlODS .. ,
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 ..................... .

814,342.90 805,054.00
98,729.56 824,250.00
None 397,721.24
15,000.50 5,000.00
None None None

Total Assets ................. $ 1,960,098.20

LIABILITIES Demand deposits .................$ Time deposits .................... .
Deposits of U. S. Government..... . De~o~i~ 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 ......................... .

906,695.29 507,965.94
1,523.54
308,985.48 None
3,478.15 None
None 5,250.00 35,000.00 65,000.00 126,199.80
None

Total Liabilities .............. $ 1,960,09fl.~O

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances. and cash items in process of collection ... $
United States Government obliga~ tions, direct and guaranteed.....
Obliga!i'?n.s of States and political subd1v1s10ns . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

235,084.70 1,089,612.14
182,481.57 60.085.50 None
~97 .328.02 34,201.00 None
None None None

Total Assets .................. $ 2,498,792.93

LIABILITIES Demand deposits ................. :~
Time deposits .................... . Deposits of U. S. Government..... . De~o~i~ 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 ......................... .

~07,%5.87
955,153.97 27,538.47
412,833.52 None
8,407.72 None
None 72,089.08 50,000.00 75,000.00 89,804.80
None

Total Liabilities .............. $ 2,498,792.9:l

50

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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.
~gan Business: 7-1-1911

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdtvtstons . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

S57,490.93 1,486,599.86
541,107.54 407;750.00
None 2,:l65,960.5fi
14,:165.80 None
None None None

Total Assets .................. $ 5,670,274.69

LIABILITIES Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

2,134,916.1:1 2,225,471.49
17,444.68
745,285.:16 24,856.45
16,440.15 None
None 83,457.86 200,000.00 200,000.00 75.402.57
None

Total Liabilities .............. $ 5,678,274.6~

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF TERRELL Dawson, Ga.

As called for by the Superintendent of Banks

J. E. KING,

R. A. HILL,

President.

Cashier.

Date of Charter: 3-23-1936

Began Business: 5-1-1936

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed... . .
Obliga~i'?n.s of States and political subdtvtstons . . . . . . . . . . . . . . . . . .
Other bonds, notes, and debentures
Corpor"te 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 . . . . . . . . . . . . . . . . . . . . . .

1,926,258. 77 1,843,231.0:1
453,0o0.66 288,250.00
None 3,409,328.80
19,938.90 29,880.00
None None 127.86

Total Assets . . ............... $ 7,970,066.02

LIABILITIES
Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . Deposits of banks ................. .
Other deposits (certified and officers' checks, etc.) .............. .
Bills payable .................... . Aeceptances executed by or for ac-
count of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves ............... .

:),194,9:!2.95 3,044,392.21
82,914.81
898,700.15 64,082.79
65,783.73 None
None 42.75 200,000.00 200,000.00 189,811.01 29,405.62

Total Liabilities ....

...... $ 7,970,066.02

FORTY-FIFTH ANNUAL REPORT

51

STATEMENT

Showing condition at the close of business December 31, 1964, of

DAWSON COUNTY BANK

Da,..sonville, Ga.

As called for by the Superintendent of Banks

H. G. VANDIVIERE,

J. J. ATKINS,

President.

Cashier.

Date of Charter: 7-1-1953

Began Business: 7-13-1963

ASSETS
Cash, balances with other banks, including reserve balances, and cash
items in process of collection ... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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-
rectly representing bank premises or other real estate.............. Customers' liability to this bank on
acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

206,551.17 242,505.96 111,373.92 169,863.51
None 791,366.69
63,179.03 None
None None 1,041.11

Total Assets ................. $ 1,585,881.39

LIABILITIES Demand deposits ..................$ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~ of States and political sub-
dJvJstons ....................... . 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 ......................... .

564,630.52 632,431.94
4,813.01
183,721.34 None
17,905.3G None
None None 50,000.00 90,000.00 32,379.22
1o,ooo:oo

Total Liabilities ...............$ 1,585,881.39

STATEMENT

Showing condition at the close of business December 31, 1964, of
THE CITIZENS AND SOUTHERN EMORY BANK Decatur, Georgia

As called for by the Superintendent of Banks

JOHN F. INGRAM, JR., President.
Date of Charter: 12-11-1950

W. FRANK McKINLEY, Cashier.
Began Business: 4-16-1951

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection ....$
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.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 indirectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding
Other Assets ..................... .

3,039,405.51 3,043,315.42 1,361,995.26
None 1,837.50 4,917,829.37 47,818.99
None
300,000.00 None
119,361.83

Total Assets ................. $ 12,831,563.88

Demand deposits . ~-~~~~~-~:~~~- ... $
Time deposits . . . . . . . . . . . . . . . . . . . . . Deposits of U. S. Government......
D"Ji~i!~~n~f -~~~- ~-n~ -~l.i~~c-~1. ~~~~
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 ......................... :

7,080,502.95 3,510,394. 72
119,283.:15
583,946.21 None
23,292.61 None
None 605,505.69 350,000.00 350,000.00 83,638.35
t25,ooo:oo

Total Liabilities . . . . . . ........ $ 12,8:l1,56:l.R8

52

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

TONEY BROTHERS BANK

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

J. W. TONEY,

J. W. TONEY,

President.

Cashier.

Date of Charter: 7-11-1945

Began Business: 7-31-1945

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 947,933.62

United States Government obliga-

tions, direct and guaranteed. . . . .

148,892.40

Obliga~i'?n.s of States and political

subdtvtstons . . . . . . . . . . . . . . . . . . . . .

4,000.00

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank)...........

None

Loans and discounts (including over-

drafts) . . . . . . . . . . . . . . . . . . . . . . . . . 1,137,008.06

Bank premises owned. furniture and

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

4,600.00

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

None

Customers' liability to this bank on acceptances outstanding . . . . . . . . .

~~~=

- - - - - Other Assets ..................... .

Total Assets .................. $ 2,U2,434.08

LIABILITIES Demand deposits ..................$ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,1n,96g.n 626,643.26 7 45.00
147,702.62 50,000.00
7,234.5:l None
None None 50,000.00 100,000.00 36,139.94 25,000.00

Total Liabilities .............. $ 2,242,434.08

STATEMENT

Showing condition at the close of business December 31, 1964, 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, in-
cluding reserve balances. and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i'!n.s 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 ................. .

198,101.48 408,500.00 336,959.0:l
10,003.18 None
1, 777,428.63 18,860.87 20,748.91;
None None 6,122.75 8,376,724.85

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

1,490,481.09 882,803.40 :35,846.64
445,967.11 186,779.74
11),116.04 None
None :l0,110.05 100,000.00 100,000.00 89,620.78
None

Total Liabilities ............... $ 3,?76,724.85

FORTY-FIFTH ANNUAL REPORT

53

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdJVlSIOllS ................ , , , . .
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 . . . . . . . . . . . . . . . . . . . . . .

712,346.H4 1,505,895.07
3(),506.11 None None
X69,f;57.1X GG,537 .:54 None
None None None

Total Assets . . . . . . . . . . . . . . . . . . $ :l,1H0.~42.54

LIABILITIES Demand deposits .................. :;i Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtsions ....................... . 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 ......................... .

1,653,7:17.04 890,472.12 20,321.04
:161,286.16 None
5,17~.02
None
None None 100,000.00 140,000.00 \J,948.16 None

Total Liabilities

:1, I K0.~42.54

STATEMENT

Showing condition at the close of business December 31, 1964, 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-

cluding reserve balances, and cash ..items in process of collection .... P

979,785.07

United States Government obligations, direct and guaranteed .....

3,824.~88.15

Obliga~i'?n.s of States and political
SUbdiVlSIOllS .. , . , ...... , .. ,
Other bonds, notes, and debentu res

5,043.41 100,000.00

Corporate stocks (including stock of Federal Reserve Bank) ......... .

None

Loans and discounts (including overdrafts) ........................ .

1,216,442.62

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

46,768.25

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ....... .

None

Customers' liability to this bank on acceptances outstanding ........ .

None

Other Assets ..................... .

None

----

Total Assets ................. . 6,222,:l27.50

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 ................ . Regerves .....

2,6H6,303.11 1,975,628.:34
48,077.80
814,386.64 120,561.34
7,769.30 None
None None 100,000.00 300,000.00 157,717.22 11,88:]. 75

> Total Liabilities .............. G,222,:l27.50

54

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of THE FAR!\IERS 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, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i<?n.s of States and political
SUbdJVISIODS ..... , , , , , , , ,
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 ................ ..

1,261,869.54 3,:108,013.05
R3:l,978.89 None None
4.:124,72:1.24 40,584.111 25,000.110
None None 9,837,9119.88

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~ 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 ............ .

4,307,541.(;;] 2,312,389. 70
127,179.54
1,966,471.27 299,251.70
211,472.411 None
None 7 4,806.45 250,000.00 300,000.00 108,857.19 35,000.00

Total Liabilities .............. $ 9.837,91>9.88

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash $ items in process of collection .... United States Government obliga-
tions, direct and guaranteed ..... Obliga~i<?n.s 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-
rectly representing bank premises
or other real estate ............. .
Customers' liability to this bank on acceptances outstanding ....
Other Assets ............ .

301,199.:19 457,886.411
20,387.19 None None
l,:l69,4:l9.fi5 65,174.97 Nont'
Nora None }ione

Total Assets ....... .

2,244,0Wi .flli

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 .... .
Resf'rves

1,2!1,501.:l0 645,578.68 25,419.26
121i,812.40 None
7,:358.64 None
None 38,004.60 100,000.01! 70,000.00 l!J,412.7K
None

Total Liabilities

. . . . . . ~ 2,244,0K7.f111

FORTY-FIFTH ANNUAL REPORT

55

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE COMMERCIAL BANK

Douglasville, Ga.

As called for by the Superintendent of Banks

RAYMOND L. LLOYD, President.
Date of Charter: 4-24-1942

J. A. COLLINS,
Cashier. Began Business: 5-1-1942

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
O~~~~~~l~i~n~f -~tates -~~d. -~~l~~i~~l
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-
~~~fh:re~:~e~!~~~e ~.8.~~ . ~~~~i~~~
Customers' liability to this bank on
oth~~e~~s~~s. ~~~~~~~~~~~. :: : : : : : : :

)i!)5,091. 71 1,353,562.37
302,178.87 None None
1,6n,143.25 123,280.63 22,311.7R
None
None 13,246.11

Total Assets .................. $ 4,:JGO,R14.72

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . DeJ'!o~i~s of States and political sub-
dtvtstons ....................... . Deposits of banks ................. . Other deposits (certified and officers'
checks, ete.) ................... . Bills payable ..................... . Acceptances executed by or for ac..
count of this bank and outstanding ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ......................... .

1,981,258.17 1,204,360.29
50,579.:50
669,544.58 None
40,138.45 None
11,832.4(i 46,476.42 125,000.00 17 5,000.00 56,625.05
None

Total Liabilities . . . . . . . . . . . . . . . $ 4,:Hi0,Rl4. 72

STATEMENT

Showing condition at the close of busi11.ess December 31, 1964, 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-
cluding reserve balances. and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s of States and political subdtvtstons ................... . 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 ..................... .

1,442,072.10
1,142,840.0:1 None
2,&fi2.50 t.,H9G,659.74
140,48S.RD 2,9Rfi.G(i
f>O,OOII.OO None
141,220.20

Total Assets .................. ~ 1!1,292,410.11

LIABILITIES Demand deposits , ................ _$ Time deposits ... ................. .
Deposits of U. S. Government..... . DeJ'!o~i~s of States and political sub-
dtvtstons ....................... . 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 ................ . Reserve~ ........................ .

4,980,76!.44 4,801,338.45
J:l6,065.o4
703,484.45 737,538.55
1o0,909.1:1 None
None 722,:189.02 300,000.00 300,000.00
2:J5,S~(i.OZ 224,f"H-i?.fi1

Total Liabilities

lil,292,41 0.11

56

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK

Dublin, Ga. As called for by the SupPrintendPnt of Banks

L. P. KEEN, President.

WALLACE E. MILLER. Cashier.

Date of Charter: 5-26-1910

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 obligations, direct and guaranteed ..... Obliga~i~n.s of States and political
subdiVlSlOTIS ............
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 ,:{!i7,2~l0.) 1
10,111111.011 I;OO,OOII.OII
NoiH' :2,()71,127.0:;
1 !i:{)Hi!i.o::
Nunc N<Hl(' 4,S70.6X

Total Assets . . . . . . . . . . . . . . . . . . $

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 .

. ......... .

2,77i"i,G~~.42
2.1:-W,70;{_H4 177 ,201i.'t~
\JS7,X20.47 Gi' l.~J55.5fi
;~2,41:{,4:;
NorH
None 1Gl.IO:Ll4 :'50.000.011 100,11110.011
\lX,Slf>.(ifi None

Total Liabilities

STATEMENT

Showing condi.tion at the close of business December 31, 1964, of

THE MORRIS STATE BANK

Dublin, Ga.

As called for by the Superintendent of Banks

S. BARRON SMITH, President.

THOMAS L. WALKER, Cashier.

Date of Charter: 7-31-1958

Began Business 10-2-1958

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed. . . . .
O~~~~f~~~i~n~f -~t~t~~- _and ..p~litical
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 . . . . . . . . . . . . . . . . . . . . . .

1,ou;-;,:ri 4.07
~)54,U:j3.~!)
Nom J 24,S4:3.7G
None
~.llil;.li14.:ll; 211,1!10.7~ None
50,000.00 None
2.24:3.30

Total Assets ................. . 4.:l2:l,:l01.45

LIABILITIES

Demand deposits ................. .

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i~s of States and political sub-

dtvtstons ....................... .

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

l ,G7l,'i'XIi.~:2 1 ,7U0,390.7~l
11,540.10
:J<G,952.01 11.005.00
1U4.~:lG.17
Nont'
None 101.4<7.99 200.000.00 1110.000.00
~5.:ll2.57
None

Total Liabilities . . . . . . ....... $ 4,:J2:J.:llll.4o

FORTY-FIFTH ANNUAL REPORT

57

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF DUDLEY Dudley, Ga.

As called for by the Superintendent of Banks

MRS. QLADYS C. HOGAN, President.
Date of Charter: 10-2-1905

JIMMY KEMP, Cashier.
Began Business: 11-1905

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 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 ..................... .
Total Assets .................. :;

:;Ji~,OOil.:ll
77\J,:;:)!l.4A :)40,/()9.2:2
Nortt None l,titil ,o:-n.:ZH
~.00 NorH'
None ~~:~~
:1.14:1.14~.11:

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ,0!J9,G\J\J.?<\J
l,:2lfi,4~l0..17 ;~:~.:l/1.0;)
:G-14.~)1/.k:~
J:JK,l52.!14
17 ,40(J. 72 Nonl'
Nun~;_
G:1,520.fi:{ lGO,IIOO.OIJ 150,000.00 !i ~)' (j ~J,1. (j ;~
None

Total Liabilities ............... $ :),14:),14X.1fi

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE BANK OF DULUTH

Duluth, Ga.

As called for by the Superintendent of Banks

C. M. PARSONS, JR., President.

EWELL A. ARNOLD, Cashier.

Date of Charter: 1-22-1945

Began Business: 2-17-1945

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash . items in process of collection .... ~
United States Government obligations, direct and guaranteed .....
Obliga~i'!n.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 indirectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding
Other Assets ..................... .

X40,!J7\J.70
4:~5.2\H.OG
None None 1,fi2:2,510.57 :~ 1,520.!)7
:;,575.00 None
~;),02ti.:->H

Total Assets ................. . :~.:G07,G2K.5D

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits ................ .

Reserves

1,067,757.14 I,IJ07,l:JS.Ii!J
:-HJ,O\JO.t;g
:~G0,4 74.09 None
4.HIJ NonP
None 120,G02.2:l lOO,IJIJO.OIJ
1u::,2oo.oo
!)\J,:~IiO. iHi None

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

58

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
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,Til ,S52.4S
1,:):-\4,~14.!iS
:J04,BH4.Ht ~00,!1.)1.4 J
No1w
1\ul!e
Nune 1\one

LIABILITIES Demand deposits .................. s 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, 115,5U5.G~ L,O:J4,5b~. lH
05,22(L:lX
:117,4GO.S!J :Js 1,282.7:1
1 ,i>:lU.GU None
No11e 5l,tiWi.:H 12U,OOO.OO l:JU,IJUIJ.IIiJ 51,9GS.7X
None

Total Liabilities ............... ;ti 5,2!iD,~4:~.4R

STATEMENT

Showing condition at the close of business December 31, 1964, of
CITIZENS CLEARING BANK Eastman, Ga.

As called for by the Superintendent of Banks

GEO. D. MULLIS,

B. B. ECKLES, JR.,

President.

Casnier.

Date of Charter: 3-12-1949

Began Business: 4-1-1949

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s 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

1,214,X4\J.(Ji; 1.1 1;5,1i25.00
(;:11,000.00 None None
l,X7H,:JG5.27
None
None None None
4,!}20,195.:~~)

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital ......................... .

Surplus

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

Undivided profits

.......... .

Reserves

2,fi04,7X4.l~
1' 555 ,:l%. :;:; 1:l6,6:JG.BII
210,019.1X HI,4X5.78
None None
None None 100,000.00 150,000.00 ~1 Y?:l.OX None

Total LiahiJities .....

. .... $ . 4,>J211,1H5.:HJ

FORTY-FIFTH ANNUAL REPORT

59

STATEMENT

Showing condition at the close.of business December 31, 1964, of

BANK OF FULTON COUNTY

East Point, Ga. As called for by the Superintendent of Banks

W. RAY HOUSTON,

LEONARD L. LOWE,

President. Date of Charter: 3-22-1934

Cashier. Began Business: 4-2-1934

ASSETS Cash, balances with other banks, in-
~ludin~ reserve balances, RJ?d cash~ ttems In process of collecbon .... .
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 ..................... .

1,1;70,107.11
2,K\l4,790.7~ 1,74~.864.94
1.9%,HO:l.07 None
7, 725.H28.5H 24X,4Hl.!:H) None
NonP None 144,8:19.57

Total Assets ................. . 1 (i,42!.l,X2fi.OG

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political subM
diVJSlODS . , , , , .. , , , , ,
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 ......................... .

9,325,354.67 3, 768,230.91
113,694.65
1,570,659.28 23,517.99
98,972.50 None
None 328,448.07 420,000.00 600,000.00 180,947.98
None

Total Liabilities ............... $ 16,429,826.05

STATEMENT

Showing condition at the close of business December 31, 1964, 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 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 ........ .

:1,428,204.27 1,l7:1.H75.7\I
Nonf:' H2.12G.OO 7,0Gf1,.r'.i27.77
k1,:~52.:{{i
None None ~)5, 77 G.:{ 1

Total Assets ...... .

$ J.l,226,:12J.I'IJ

LIABILITIES
Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ..

5,961,410.57 3,512,451.72
238,07 5. 76
1,057,385.60 1,420,175.32
105,490.84 None
None 7R6,2:ll.06 ;)00,000.00 300,000.00 151,912.79 :J9:1,1RR.14

Total Liabi1ities ...

....... $ 14,226,:l2l.RO

60

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subd>v>s>ons . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

:{00,870.0:{ l,077,24G.41
411,460.41 None None
1,GX0,541.02 H5,1::19.2:1 None
None None 1,1R7.R5

Total Assets .................. $ :J,1R5,944.95

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 .......... .

I ,:JOH,l\J2.1i2 I ,4:\6,56R.41i
2:\,015.:19
1S2.721. 79 None
15,H90.:l1 None
None Nonp 100,000.00 I 00,000.00 19,o5G.:lH None

Total Liabilities ...............$ :{, 1~S.944.HG

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE PEOPLES BANK Eatonton, Ga.
As called for by the Superintendent of Banks

J. M. GREGORY, President.
Date of Charter: 3-16-1944

HARVEY L. WILSON, Cashier.
Began Business: 5-1-1944

ASSETS Cash, balances with other hanks, in-
cluding reserve balances. and cash items in process of collection .... $
United States Government obligations, direct and guaranteed... . .
Obliga~i'?n.s of States and political subd>VlSlons . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

2:!5, 731.:ll 484,587.03
15,000.00 140,069.6:\
None 1,061,780.55
11,58:l.77 1. 00
50,000.00 None 864.39

Total Assets .................. $ 1,999,6!7.f;H

LIABILITIES Demand deposits ................. ~ Time deposits .................... . Deposits of U. S. Government ..... . DeJ;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

7H:J,n9.oJ 771,:l4G.27
2R,:l55.55
206,819.79 None
1,849.21 None
None 880.23 100,000.00 50,000.00 41,2Hti.fi7 lG,:H(UHl

Total Liabilities ............. $ 1,999,iil7.1:H

FORTY-FIFTH ANNUAL REPORT

61

STATEMENT

Showing condition at the close of business December 31, 1964, of
THE BANK OF EDISON Edison, Ga.
As called for by the Superintendent of Banks

C. W. LOWE, President.
Date of Charter: 9-24-1904

T. 0. MANRY, Cashier.
Began Business: 1904

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i~n.s 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 . . . . . . . . . . . . . . . . . . . . . .

:~5:~.~0G.H9 55X,:~xg.5g :J6;J,2S:l.H5
(i4:{,542. 75 None
1,:l74,H29.29 4:l,OOU.OII None
None None 16,984.40

Total Assets ................. . ;J,:l5:J,2:l4.H7

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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,:lH7 ,060.5(; 1,291,0R6.47
20,486.4 7
:ll4,279.11 22,162.24
15,877.02 None
None 32,52U.1H 100,000.011 100,000.00 68,865.36
897.4fi

Total Liabilities ...............$ :l,:J5:J,2:l4.H7

STATEMENT

Showing condition at the close of business December 31, 1964, of

GRANITE CITY BANK Elberton, Ga.

As called for by the Superintendent of Banks

A. D. WILBURN, President.
Date of Charter: 12-3-1927

THOMPSON HOLLOMAN, Cashier.
Beg-an Business: 1-2-1928

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 1,442,1144.\:11

United States Government obligations, direct and guaranteed..... 1,511,598.!)4

Obliga~i'?n.s of States and political subdiVISIOnS . . . . . . . . . . . . . . . . . . . .

311,120.28

Other bonds, notes, and debentures

None

Corporate stocks (including stock of Federal Reserve Bank) ......... .

._ 18 500 00

Loans and discounts (including overdrafts) . . . . . . . . . . . . . . . . . . . . . . . . . 4,2!1H,7(;9.41

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

!~7 ,425. 7fi

Real estate owned other than bank premises . . . .. .. .. .. .. .. . . .. . . . . .

71,1511.411

Investments and other assets indi-

rectly representing bank premises

or other real estate. . . . . . . . . . . . .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

:Z:G,G~~-~~

Other Assets ..................... .

* Total Assets .................. 7,712,R25.l!':i

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... .
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

:l,Un,:l5H. 7U 2,427,802.:37
29:l,H91.8!1
1,1165,114.02 15,()26.02
11,169.22 None
Nonp 24:3,169.44 1ii0,000.011 300,000.110 11 :~,fi9:~.4H
None

Total Liabilities ...

.o 7,712,H25.1fi

62

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF ELLAVILLE

Ellaville, Ga.

As called for by the Superintendent of Banks

DR. L. S. BOYETTE,

RICHARD G. CALLAWAY,

President.

Cashier.

Date of Charter: 9-10-1910

Began Business: 9-16-1910

ASSETS Cash, balances with other banks, in~
eluding reserve balances, and cash items in pro.cess 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>

4:-n, ' ' 4.117
:n:1,K(iS.fi!) NonP None
~lS7,K02.H1
None
7 ,2!--J/.fi/ None
f:i4H.50 2, l41l,2~12.97

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus .......................... .

Undivided profits ................ .

Reserves .

UH5,2UUn G14,X7X.H:l
~),:1G8.12
:{21,2:{:~.1!)
None
17 ,u:~:{.02 None
None None 511,000.00 l 00,1100.00 1:11 ,liGO.KH None

Total Liabilities ............... $ 2, 14(i,2H2.\l7

STATEMENT

Showing condition at the close of business December 31, 1964, 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

B. J. GRAY, Cashier. Began Business: 6-1-1914

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 . . . . . . .

7:2X,OOR.fHi 1,648,420.00
515,409.65 None None
1,f>40,2;)9.:l4 25,000.00 None
None None 3,99S.lR

Total Assets

......... $ 4,4G1,1S5.2:l

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 .... , ReRerves

1,!J:l:J,424.\IH 1,76(),]50.47
fil ,j2:}.14
277,2:l7.71 None
lO,:l:ll.21 Nonl'
None
:l5,:lll.:l~
100,000.00 100,000.00
8,004.40
l~!l,OOO.OII

Total Liabilities

....... $ 4,4Gl,J8G.2:l

FORTY-FIFTH ANNUAL REPORT

63

STATEMENT

Showing condition at the close of business December 31, 1964, of
FAIRBURN BANKING COMPANY Fairburn, Ga.
As called for by the Superintendent of Banks

Y. H. LONGINO, President.
Date of Charter: 9-14-1891

MRS. WINNER B. LONGINO, Cashier.
Began Business: 1902

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

;i42,002.5:~
1,1:11,467.21) 107,003.61 350,125.00 None
l,X11,388.:J~
42,007.1fi None
None None 110,707.50

Total Assets .................. $ :l,R~i5,201.:n

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

l,94U,Ii0S.14 1,480,420.61
24,816.64
93,353.08 8,61:J.22
4,fil4.92 None
None 49,85:l.59 125,000.00 100,000.011
5,000.00 li2,!l21.17

Total Liabilities ............... $ 3,895,20].:)7

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK

Fayetteville, Ga.

As called for by the Superintendent of Banks

H. P. REDWINE, President.

H. R. REDWINE, Cashier.

Date of Charter: 2-16-1906

Began Business: 3-13-1906

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed... . .
o~~~:II~1~i~n~f _state~. _and ..p~litical
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 . . . . . . . . . . .

255,214.15 985,784.87 U7 ,589.31 100,000.00
None l,li4fi,556.10
17,41:).01 None
25,000.00 None
10,978.84

Total Assets ....... .

. $ :l,21i8,53fi.28

LIABILITIES Demand deposits .................. S 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 ................ .

1,186,104.58 771,699.15 75,335.71
777,280.11 39,125.82
1G,291.86 None
None 180,575.50
75,000.00 100,000.00
42,86l.Oii 4,2fi2.4ll

Total Liabilities ............... $ :l,2fi8,i5:lfi.28

64

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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
eluding reserve balances, and cash items in process of collection .... $ United States Government obliga. tions, direct and guaranteed ..... Obliga!i~n.s of States and political
subdJVlSIODS ................ , ,
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 .................. $

162,203.20 122,000.00
None 175,000.00
None 213,345.9:3
634.83 None
None None None

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 outstand ing ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ......................... .

413,377.43 76,035.69 None
22,070.90 None
6,454.37 None
None 8,706.RO 25,000.00 50,000.00 25,000.00 46,538.77

Total Liabilities ............... $ 673,183.96

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE FIRST STATE BANK OF FITZGERALD Fitzgerald, Ga.

As called for by the Superintendent of Banks

B. I. ANDERSON,

W. P. HERLOVICH,

President.

Cashier.

Date of Charter: 5-24-1948

Began Business: 7-ljJ-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 .....
Obliga!i'?n.s 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-
rectly representing bank premises
or other real estate ............. .
Customers' liability to this bank on acceptances outstanding ........ .
Other Assets ..................... .

796,654.30 1,040,722.25
29,173.44 250,187.51
None 1,870,600.05
118,149.71 None
None None 2,007.67

Total Assets .................. $ 4,107,494.93

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 account of this bank and outstand
ing ... -.: ....................... . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves .................. .

1,482,087.51 1,543,924.23
42,265.47
(;!4,680.49 29,367.58
11,60:3.31 None
None 5,000.00 100,000.00 200,000.00 78,566.34
None

Total Liabilities ............... $ 4,107,494.9:l

FORTY-FIFTH ANNUAL REPORT

65

STATEMENT

Showing condition at the close of business December 31, 1964, 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

KELLY A. EATON, Cashier.
Began Business: 1-4-1912

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection .... ~ 1,001,1X:L:l\l

United States Government obligations, direct and guaranteed ..... 1,052,400.1 H

Obliga~i'?n.s of States and political subdtvtstons .................... .
Other bonds, notes, and debentures

407,240.~(;
:l5,000.011

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ . 3,u77,572.91

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

220.909.79

Real estate owned other than bank premises ....................... .

:n ,825.57

Investments and other assets indi-

rectly representing bank premises or other real estate............. .

None

Customers' liability to this bank on acceptances outstanding . . . . . . . . .

~O~~~

Other Assets ...................... _ _ _ _ __

Total Assets .................. $ 6,4:l2,14:l.41i

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,:144,271.87 2,1i46.779.43
52,923.00
5:l0,61:l.07 None
5,388.41 None
None 257.798.25 200,000.00 200,000.00 194,:l69.43
None

Total Liabilities

6,4:J2,14:l.4(i

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances. and cash items in process of collection .... $
United States Government obliga~ tions, direct and guaranteed.....
o~~~~f~1~i~n~f _states __and ..politic~!
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 . . . . . . . . . . . . . . . . . . . . . .

1,0:10,509.GO 1,1:n,815.00
:l58,667 5l 942,6111.51:
None 2,\J15,552.%
BX.:l:l7.29 None
10,411.41 None
23,088.01

Total Assets ................. . li,506,9R:J.:lli

LIABILITIES Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government ..... . Del!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 ................ .
Reserve:-. ................... .

:l,467 ,636.58 l,li53,153.74
9:l,l62.12
li86.982.09 None
:l9, :ll:J.OO None
None 89,529.29 280,000.00 1(;0.000.00 ;J7 ,206.54
Nont.'

Total Liabilities .............. . u,50G,983.:lli

66

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
CITIZENS BANK OF CLAYTON COUNTY Forest Park, Ga.
As called for by the Superintendent of Banks

CHAS. E. WELLS, President.
Date of Charter: 6-261964

HERMAN R. WALKER, Cashier.
Began Business: 11-21-19,64

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 ..... Obliga~i?n.s 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 .................. $

10:l,915.:J\l 7 4S,241.4ii
None None None :199.849.:14 191,607.67 None
None None 5,559.00 1,44S,fi72.S5

Demand deposits . L.I.~~~~~.T~~~.... $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!" 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 ............................ .
Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ................ .

402,005.4:1 122,411.24
2,051.28
525,000.00 None
X5:l.84 None
None 3,444.95 200.000.00 150,000.00 42.90G.11
None

Total Liabilities

1,44S,fi72.H5

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.s of States and political subdiVISIODS , .. , , , .... , . , , , . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,290,85:~.H7
~95,7 4;1. 9:~ 214,594.19
None None
4~4,20:l.fi7 G,104.7fi
None
None None None

Total Assets ................. . 2.901,500.42

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

1,229,892.18 278,454.5G 897. 7:J6.~6
l:l2,0:J8.6~
None
18,842.89 None
None 36.72 40,000.00 60,000.00 None 244,49!J.o:J

Total Liabilities

2,901,500.42

FORTY-FIFTH ANNUAL REPORT

67

STATEMENT

Showing condition at the close of business December 31, 1964, of THE FARMERS BANK Forsyth, Ga.

As called for by the Superintendent of Banks

R. 0. PERSONS, JR.,

C. E. MACKEY

President. Date of Charter: 3-9-1910

Cashier. Benn Business: 1910

ASSETS Cash, balances with other banks, in-
fl~!~n1nr~:~::s:a~;n~:fie:ti:n ~~~~ $ u~:~~~. ~~~!:~ a~dv~~~=~~eed~1.i~~~
Obliga!i'?n.s of States and political
othe~d~~~~~s n"~t~~: -~~d d~b~~t~~~~
Corporate stocks (including stock of Federal Reserve Bank) .......... .
Loans and discounts (including overdrafts) . . . . . . . . . . . . . . . . . . . . . . . . .
Bir:t:r:~~i~~~-~~-~~. ~~~~~:~~~ -~~~
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . .
Investments and other assets indi-
~~~[herre~:~~e~;~fe~.~~~. ~~~~i~~
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets .. .. .. .. .. .. .. .. .. .. ..

244,7~H.99
694,188.34 None
50,ooo.oo
None
1,078,319.87
2,752.00
None
None
None 1,550.74

Tatal Assets .................. $ 2,071,599.94

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ......................... .

7g~,481.9X
B23,512.07 15,89g.6X
249,906.4g None
2,962.25 None
None 5,758.03 100,000.00 50,000.00
None 34,080.4fi

Total Liabilities ...............~ 2,1171,599.94

STATEMENT

Showing condition at the close of business December 31, 1964, of MONROE COUNTY BANK Forsyth, Ga.

As called for by the Superintendent of Banks

CHARNER W. HILL, President.
Date of Charter: 11-2-1908

JAS. M. McCARTY, Cashier.
Began Business: 10-15-1908

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 .....
Obliga!i'?n.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 ............ .

G21,5!i0.9:l 772,719.4(i 609,092.01 528,187 .GO
None
1,1G0,2t-i2.5G
577.55
None None 20,000.00

Total Assets . . . . . . . . . . ....... $

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i! 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 ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves ...................... .

1,854,R89.82 1.615,899.R4
29,702.55
:; Hi, 762.6R Nc.ne
11,761.71 None
None 29,672.32 25,000.00 75,000.00 R2,677.6R 75,000.00

Total Liabilities ............... $ :1,f-ilfh:-Hifi.fi0

68

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

FORT GAINES BANKiNG COMPANY

Fort Gaines, Ga.

As called for by the Superintendent of Banks

W. G. GRIMSLEY,

JAS. A. BROWN,

President.

Cashier.

Date of Charter: 2-11-1937

Besran Business: 2-15-1937

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection. . . . S United States Government obligations, direct and guaranteed .....
Obliga!i<?n.s of States and political
subdtVISlODS ......... , . , ....... .
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 .................... ..

:119,645.0:1
~GR,:ll~.7;i
174,R69.SO None None
liG,S89.70 None
None None None

Total Assets ................ ..

2,078,319.79

LIABILITIES Demand deposits .................. ~ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub~
diVISIOllS ............. , . , , .
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 ............... .

1,17X,4:lX.7:l 444,759.Gl 3,065.00
1H:l, 167.!!5 None
7,077.9~
None
None ;J,569.:J:J
so.ooo.oo
100,000.00 78,241.19 Ml,OOO.OO

Total Liabilities . . . . . . . . . . . . . . ~ ~.078,:ll9. 7!l

STATEMENT
Showing condition at the close of business December 31, 1964, of FORT OGLETHORPE STATE BANK Fort Oglethorpe, Ga.
As called for by the Superintendent of Banks

J. NOLAN SPEAR, President.
Date of Charter: 12-4-1963

J. NOLAN SPEAR, Cashier.
Began Business: 8-7-1964

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and casr items in process of collection ... $
United States Government obligations, direct and guaranteed.....
O~~~~f~~~i~n~f .St~t~~..and ..p~litical
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 . . . . . . . . . . . . . . . . . . . . . .

:369,806.71 438,654.26
None None None
4~5,729.96 83,963.87 None
None None 1,521.10

Total Assets .................. $ 1,319,675.90

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus .......................... .

Undivided profits

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

ReRerves

424,21:3.12 88,871.00 15,564.50
G92,278.84 None
8,212.85 None
Nont.' None 150,000.00
:Jo,ooo.oo
10,fi:{5.fi!) None

Total Liabilities ...

1,:ll!l,f;75.91J

FORTY-FIFTH ANNUAL REPORT

69

STATEMENT

Showing condition at the close of business December 31, 1964, of
BANK OF FORT VALLEY Fort Valley, Ga.
As called for by the Superintendent of Banks

ALBERT McCOWEN, JR. President.
Date of Charter: 10-11-1924

E. 0. READ,
Cashier. Be~~:an Business: 10-15-1924

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... ~
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political subdtvlstons .................... .
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 ..................... .

i-ilX,507.14
J.Ofil.G07.2~
None None
2.(;~3.700.20
J 02.R70.80 8,122.08
None None None

Total Assets .................. $ G;:l26,848.33

LIABILITIES Demand deposits . . . . . . . . . . . . . . . . . . :i' Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dlvlstons ....................... . 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 ................. .

:{,17X,955.70 1.104.:3:38.29
R4,205.:ll
J .077.731.24 None
~G,fil4.16
None
None GO 258 08
zoo:ooo:oo
200.000.00 :)HG,745.55
Nora

Total Liabilities . . . . . . . . . . . . . . $

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS BANK

Fort Valley, Ga.

As called for by the Superintendent of Banks

C. E. MOORE,

G. D. GASSETT,

President.

Cashier.

Date of Charter: 12-24-1906

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 obligations, direct and guaranteed. . . . .
Obliga~i'?n.s 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-
rectly representing bank premises or other real estate. . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

G90,865.11 459,300.93
10.000.00 None None
l .:105.533.74 149.999.00 1.00
None None None

Total Assets .................. $ 2.G45,699.78

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government ..... . De~o~il_:s of States and political sub-
dlvtslons ....................... . 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 .................. .

J .191.311.37 460,087.32 10,121.72
449,271.99 90.378.32
22,884.34 None
None 52.066.34 100,000.00 200.000.00 H9.578.:JH
None

Total Liabilities ............... $ 2.G4ii.699.7X

70

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE BANK OF HEARD COUNTY

Franklin, GL

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-

cluding reserve balances, and cash items in process of collection . . . . $

270,9~0.43

United States Government obligations, direct and guaranteed .....
Obliga~i'?";S of States and political subdtvlstons .................... .
Other bonds, notes, and debentures Corporate stocks (including stock of
Federal Reserve Bank) .......... .

909,303.7 5
77,772.43 50,000.00
None

Loans and discounts (including overdrafts) ........................ .
Bank premises owned, furniture and
fixtures ........................ .

G55,726.68 15,658.16

Real estate owned other than bank premises ....................... .
Investments and other assets indirectly representing bank premises
or other real estate............. .

None None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

-

-

-

None
--

Total Assets .................. $ 1,979,441.45

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . Def!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 ............. .

7 4:l,063.B5 728,385.04
20,495.26
220,645.45 None
:J,245.41 None
None
268.~4
30,000.00 150,000.00
53,337.60 10,000.011

Total Liabilities ............... $ 1,979,441.45

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS BANK Gainesville, Ga.
As called for by tne ::superintendent of Banks

ROBERT A. BRICE, President.
Date of Charter: 5-19-1913

PIERCE J. HANCOCK, Cashier.
Began Business: 6-1913

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

1,660,317.95 1,836,548.43
321,516.36 783,053.10 155,000.00 5,184,022.80
15,713.89 None
None None 4,320.38

Total Assets ................. . H,!J(i0,492.91

LIABILITIES Demand deposits .................. $ Time deposits ..................... Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvisions ....................... . 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

4,717,160.;2 3,002,127.8:3
118,182.18
1,079,924.28 175,375.86
6,856.67 None
None 70,367.16 300,000.00 250,000.00 240,498.81
NonP

Total Liabilities . . . . . . . . ...... $ }I,Bii0,4!12.!Jl

FORTY-FIFTH ANNUAL REPORT

71

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF GIBSON Gibson, Ga.
As called for by the Superintendent of Banks

LOUIE H. GRIFFIN, M.D.,

E. E. GRIFFIN, JR.,

President. Date of Charter: 11-7-1905

Cashier. Began Business: 11-27-1905

ASSETS

Cash, balances with other banks, in-

cluding reserve balane:es, and cash items in process of collection .... $ 1:17,861.51

United States Government obliga-

tions, direct and guaranteed.....

GR5,625.00

o~~~:if~'i~i~n~f. -~~t-es_ -~~~. -~~li~ic~-1 11 0,42H.32

Other bonds, notes, and debentures

None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

J

42

. 294

_ 64

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

7,000.00

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises or other real estate..............

None

Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets ..................... .

~~~=

~----

Total Assets . . . . . . . . . . . . . . . . . . l,OH2,707.47

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ......................... .

G48,2~0.44
10,000.00 None
440,000.00 None
212.0:l None
None None 25,000.00
:J?,iiOO.OO 21, 70G.OO
None

Total Liabilities ............... $ 1 ,OX2, 707.47

STATEMENT
Showing condition at the close of business December 31, 1964, 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.
Began Business: 1-4-1943

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 .....
Obliga!i'?n.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 ..................... .

261,411.94 448,605.22
6H,545.91 308,937.50
None S82,150.:l8
19,829.86 None
None None None

Total Assets .................. $ 1,989,4RO.Hl

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

643,1~:1.59
762,118.48 12,495.21
317,828.:18 None
1,285.42 None
None 20,972.94 (;0,000.00 40,000.00 181,586.79
None

Total Liabilities ............... $ 1,989,480.81

72

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE GLENNVILLE BANK

Glennville, Ga.

As called for by the Superintendent of Banks

J. A. BACON,

J. A. ROGERS,

President. Date of Charter: 1-12-1905

Cashier. Began Business: 1-18-1905

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash $ items in process of collection ....

558,88G.99

United States Government obligations, direct and guaranteed .....

8~8,578.1:1

Obliga~i?":S of States and political subdtvtstons .................... .
Other bonds, notes, and debentures

13;,730.87 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

2,30G,574.1G

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

27 ,GGR. 72

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

-

-

8,526.09 ---

Total Assets ................. .

B,X71l,854.~Hi

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

1,28:3,568.4(; 1,966,:3;)2.40
15,660.:14
230,K77.H2 None
20,436.:14 None
None 28,104. 7!i 100,000.011 100,000.110 1:1J,;J74.7!i
None

Total Liabilities

0,~7(i,:)54.91i

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed .....
Obliga~i'?":s 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 ..................... .

3!}~),520.:)!)
349,011.64 109,203.00 2RO,OOO.OO
None
ii,O~O.!H)
None
None None

Total Assets . . . . . . . . . . . . . . . . . . $ I ,K9G,2KH.01

Demand deposits . L.I~B~~I.~I.ES.... $

Time deposits .................... . Deposits of U. S. Government ..... .
De~o~i~s of States and political subdivisions ....................... .

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

r;52,01:1.41 762,895.9S
4,H>K.OII
2:i4.!i27. 7\l None
l,B~HUHI
None
None NonP :J5,000.00 100,000.00 lllr;,2RG.H4 None

Total Liabilities ..

FORTY-FIFTH ANNUAL REPORT

73

STATEMENT

Showing condition at the close of business December 31, 1964, 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, balances with other banks, in-

cluding reserve balances, and cash ~ items in process of collection .... '~'

:JH1,171.2G

United States Government obligations, direct and guaranteed .....

461,837.50

Obliga~i?~S of States and political subd1v1sions .................... .
Other bonds, notes, and debentures

54,646.12 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

851,443.64

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

31,223.15

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

None

acceptances outstanding . . . . . . . . .

None

Other Assets ...................... _ _ _ _ __

Total Assets .................. $ 1,780,321.67

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

!J21,40H.2::
:~!i9,4:H.51
2,1G5.fiU
:~29,415.87
None
10,U34.;JX None
None None 50,000.00 50,000.00 4(;,966.49 None

Total Liabilities

1,780,321.67

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed .....
Obliga!i'?n.s 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 ..................... .

!)12,477.5fi
;-H):~,G74.07 2!iR,140.fi;~
Norw
Nonp None None

Total Assets .................. $ :~.2~~.0fifi.17

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits .......... .

Reserves

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

l,OO:l,:l45.4!J 1,443,07:l.l2
29,62!), 7()
;~X0,5!i8.!i~
40,000.00
~~'1,070.40
Nonp
None Non(:' IUIJ,OOII.OO I 00,000.00 4\J,:J71.7:< X,OOO.Otl

Total Liabilities ............... $ :~.~4k,Ofi!1.17

74

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS BANK

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

J. M. REYNOLDS, SR., President.
Date of Charter: 3-9-1946

L. C. MITCHELL, Cashier.
Began Business: 4-1-1946

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash , items in process of collection .... :)\ :i28,01fi.f:i 1

United States Government obligations, direct and guaranteed .....

445,0H9.25

Obliga~i~n.s of States and political
SUbdtVISIOllS , , .. , , , .....
Other bonds, notes, and debentures

2H9,(i24.U7 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

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

7G, 104.1)-.(

Real estate owned other than bank premises ....................... .

Nont>

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

Non(

Customers' liability to this bank on

None

acceptances outstanding . . . . . . . . . Other Assets ......................

_ _ _:_ .:;, 5_ 78 __64

Total Assets ................ ..

2,l:H5,14(1.2~)

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub~
dJVISlOnS ..... , ..... , .. , ........ , 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

XZ6,Z5Z.52
790,92~{.;54
:H:i,495.X5
241,:lX6.!i5 None
1 O,H!i2.01 None
None H76.00 75 000 :JO
x7:soo:oo
(if>,~44.H2
Nont

STATEMENT

Showing condition at the close of business December 31, 1964, 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
items in process of collection .... United States Government obliga-
tions, direct and guaranteed ..... Obliga~i~n.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 indirectly representing bank premises
or other real estate ............. .
Customers' liability to this bank on acceptances outstanding ........ .
Other Assets ..................... .

154;2:)1.()()
157,5:H.1X :20~l, 1 !iX.OO
None li71,fi45.GO
!),651.())-.(
None
NorH' None 2,4 /().():.:;

Total Assets ................. .

1 ,X9X,092.(ii

LIABILITIES

Demand deposits ................ .

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i~s of States and political sub-

dtVISJOns ....................... .

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

829,027.45 liH0,401.XI)
25,:l44.H7
1 \J4,16X.54 None
ft,H1 :~.5G None
Nont:> Y,'"85.'J:l
r,o,ooo.oo
f>0,000.()() 7:l,:250.4r:
Nun(

FORTY-FIFTH ANNUAL REPORT

75

STATEMENT

Showing condition at the close of business December 31, 1964, 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.....
o~~W~~~~n~f..s~~es.. ~~~ ..P~Ii~i.c~.~
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 ................. .

:),500,912.9H 5,472,252.X:\
2.1 oR,446.o~
None None lii,G20,120.:l:l
:)!)1,7lfi.l0 N<Jne
None None None 21 .~H):i,44K.27

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government. .... . DeJ:!o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

H,2:l7,67U.U~
X,179,1B6.7:l IHG,079.n
~.:iH9,SOl:-UHl
:ll9,109.00
I iiO,X22.9X None
None 792,1Hi.2H 400,000.00 1,000,000.00
~7K,(i44.4n
Noru

Total Liabilities ............... o; 21,\JG:l,44H.27

STATEMENT

Showing condition at the close of business December 31, 1964, 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 reserve balances, and cash !1' items in process of collection. . . . r
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.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 ..................... .

2,011,02:J.iili 2,lii7,l!J2.1Hi
971,646.29 GOO,OOO.OO 30,000.00 G.:~ 1O,GRG.4B Hi1,741.H4
li0,27'i. 71i
None None None

Total Assets .................. ~ 11 ,212,4fiK.:W

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government..... . DeJ:!o~i~s of States and political sub-
dtvistons ....................... . 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,H42,:ll2.1iH :1,2fHi,20fi. 7:-;
2:12,:1:1u.:1s
l,G77,107.H7 9,211.4:{
I :1,077.22 NotH'
None 117,950.74 :JOO,OOO.OO 700,000.00 lfi4,2G2.1X
NonL'

Total Liabilities ............... $ 11,212,41iH.2il

76

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

JONES COUNTY BANK Haddock, Ga.

As called for by the Superintendent of Banks

L. M. WOODCOCK,

L. M. WOODCOCK,

President.

Cashier.

Date of Charter: 7-14-1905

Began Business: 7-25-1905

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ....

241,:J81.11

United States Government obliga-

tions, direct and guaranteed .....

102,000.00

Obliga!i'?n.s of States and political subdtvtstons .................... .

4;>,:l~0.72

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ..................... .

Bank premises owned, furniture and

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

1,075.41

Real estate owned other than bank

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

1.011

Investments and other assets indi-

rectly representing bank premises or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

G,5R6.GO
-----

Total Assets ................. .

724,1 G7.XK

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

:1X7 ,X24.7:{ I 07 ,502.2\l
2,:J4(i.25
100,000.011 None 217 .7:{ None
None None 25,000.00 7G,OOO.OO 2G,271i.8H Nont
724,ll'i7.XX

STATEMENT

Showing condition at the close of business December 31, 1964, 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 items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga!i'?n.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 indirectly representing bank premises
or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

:l67,609.1S 211,90fi.4X
R2,9:~5.6H
None None
1,141.~75.!1~
29,444.87 R,OOO.OO
Nont.~
None None

Total Assets ................. . 1,841,771.17

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

.......... .

Reserves

x:)2,7fi9.:1 1 751,64().9X
.5,000.0(1
74.142.K!I :3,H97 .R2
Non<> NorH'
None 26,fl05.!tf'i 50,000.00 75,000.011 22,70R.21
None

Total Liabilities ... ......... $ 1,841,771.17

FORTY-FIFTH ANNUAL REPORT

77

STATEMENT

Showing condition at the close of business December 31, 1964, of
COMMERCIAL BANKING COMPANY Hahira, Ga.
As called for by the Superintendent of Banks

TALLEY LAWSON, President.
Date of Charter: 1-29-1945

V. A. GASKINS, Cashier.
Began Business: 4-5-1_945

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection .... !Ti

120,15!).:):2

United States Government obliga~

tions, direct and guaranteed .....

Obliga~i'?n.s of States and political
SUbdiVlSIOllS .............. , ,
Other bonds, notes, and debentures

s.ooo.oo
None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

22B,724.GG

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

~1.G7~.:17

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

None

acceptances outstanding . . . . . . . . .

None

Other Assets ...................... _ _ _ _ __

Total Assets . . . . . . . . . . . . . . . . . . ~ DH1,fi5G.:i!l

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

:165.420.1H 44:1,221.77
1,(}93.4::
~1.052.07
None
5,R0~.7:i
None
None 5,847.40 25.000.00 50,000.00 :1,511.81
None

Total Liabilities

HH1,fi5G. Hl

STATEMENT

Showing condition at the close of business December 31, 1964, of

CITIZENS BANK OF HAPEVILLE Hapeville, Ga.
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 obligations, direct and guaranteed.....
o~~~~;~~~i~n~f .st~t~~..~nd ..~olitical
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 . . . . . . . . . . . . . . . . . . . . . .

1,;:)25,597 .40
1,748,02n.4~l
691,177.:12 None None
(i,399,574.4G 124,893.4G None
1H,750.00 None
42,490.29

Total Assets .................. $ 10,:150.512.40

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub
dtVISIOnS ..................... , ..
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 ......................... .

5, 705,45H. ?.7 2.:J:J7 ,699.14
210.451.14
:l62,:Jso.:n 24.642.57
11 \l,R44.02 None
None
61B,H5:~.4fi
600,000.00 200.000.00 170.18:J.4:1
None

Total Liabilities ............... $ lO,:~GO,fil2.4U

78

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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~
eluding reserve balances, and cash items in process of collection .... $ United States Government obligaM tions, direct and guaranteed ..... Obliga~i'?n.s of States and political
SubdiVISIODS ....... , , , , , , , .
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 ................. .

5U4,:)H4.fifi fi71,0:J4.7ii
x:),7k7.0S None
1,000.00 7fifi,Xfil.59
1 4,:UG.lG None
None None None

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ................ .

7();),lfiii.U4 i;04,17X.4X
~G,4UX.07
8H1,200.!JX
Non~
140.X!! None
None 5,126.10 50,000.00 100,000.00 78,17:l.64 20,000.00

Total Liabilities ............... 'i ~.O:Jo.:JX4.20

STATEMENT

Showing condition at the close of business December 31, 1964, of BANK OF HARTWELL Hartwell, 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

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
0~~~~}~1~i~n~f .~tates ..and p~litical
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 . . . . . . . . . . . . . . . . . . . . . .

!)~4, 75G.28 1,052,075.77
None 100,000.00
None
~44, 160.fi4 74, 72\:l.li4 None
None None 4,696.25

Total Assets .................. S 2.5~7.41~.4~

LIABILITIES

Demand deposits ................. .

Time deposits .................... .

Deposits of U. S. Government ..... .

Def!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

~7~.232.02 771,667.:!~
40,270.2:l
4!i:l,291.24 None
4,1g7.U None
None 32,4 71.7 5 150,000.00 82,500.00 4:l,79g.:J4
None

Total Liabilities ...

...... ~ 2,G97,41H.4X

FORTY-FIFTH ANNUAL REPORT

79

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... $ H78,443.80

United States Government obliga~ tions, direct and guaranteed..... l,~7g,16:1.X2

o~~g~~~~~i~n~f- -~~~tes -~~~- -~~l~~i~~-1 505,680.63

Other bonds, notes, and debentures

a5f.i,G97.f:i(l

Corporate stocks (including stock of Federal Reserve Bank) .......... .
Loans and discounts (including overdrafts) . . . . . . . . . . . . . . . . . . . . . . . . .

None 2,G74,444.99

Bafi~tir~~~i.s~~-~~-~~. ~~~~~~~~~ -~~~

1.00

Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . ..
Investments and other assets indirectly representing bank premises
or other real estate..............

1. 00 None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

~~~~

Other Assets ..................... . - - - - -

Total Assets ................. .

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, 72H,H40.HG 2,:l0H,75:l.94
153,570.62
401,876.JO None
16,695.15 None
None None lOO,OOO.UU 100,000.00 100,000.00 28:J,695.44

Total Liabilities

6,193,4:12.~0

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s 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 ................. .

48:J,4(i~.2fi
1,835,402. 71; 469,2:l4.11 None None
1,5:l4,63R.34
4,36~.57
None
(;0,000.00 None None
3,887,Il:UJ::

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

2,107,476.28 1,084,996.54
4,976.7:1
209,807.01 None
44,708.54 None
None 10,000.00 100,000.00 100,000.00 25,000.00 200,147.93

Total Liabilities . . . . . . . . . . . . . . . ~

80

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE PULASKI BANKING COMPANY

Hawkinsville, Ga.

As called for by the Superintendent of Banks

R. D. BUCHAN, President.
Date of Charter: 7-20-194:1

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 .... $ aGI,045.49

United States Government obliga~ tions, direct and guaranteed... . .

611,55:~.2:{

O~~~~i~~~i~n~f..~~~tes .~~~ ..~~l~~i~~.l

None

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank)...........

None

Loans and discounts (including overdrafts) . . . . . . . . . . . . . . . . . . . . . . . . . 1,563,826. 70

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

74,287.8H

Real estate owned other than bank

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

None-

Investments and other assets indi-

rectly representing bank premises or other real estate..............

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

~~~=

Other Assets ..................... .- - - - -

Total Assets .................. $ 2,610, 71:Uo

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . DeJ?o~i~s of States and political sub
dtVISIOnS ....................... . 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 ................ .

1,178,:~50.29
1,051,:J63.70 None
14X,620.04 None
11,16K.45 r None
None 2,:l77.1H 100,000.00 !iO,OOO.OO r;x,x:J:l.64
NonP

Total Liabilities ............... ~ z,n1o,7l:J.:Jo

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $ United States Government obliga~ tions, direct and guaranteed..... Obliga~i~n.s of States and political subdiviswns . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . .

760,157.~)4 l,l:il,fi:~9.4:~
17,000.00 None None
~4r.,5:l4.HO
2. 00 None
None None 25,0\!2.1!1

Total Assets ...... .

LIABILITIES

Demand deposits ................. .

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i~s of States and political sub

dtvtstons ....................... .

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.H~5.597.0:l
2:J:l,S20.\IX 22,177.22
227,717.2!1 None
27,G24.27 None
None 22,685.76 100,000.00 100,000.00 1:J5, 70:l.\Jl 1 !i,OOO.OO

Total Liabilities .............. $ 2,HXO,:l26.41i

FORTY-FIFTH ANNUAL REPORT

81

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
O~~~~~!~~i~n~f -~~~te_s -~~~. -~~~~~i~~l
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 . . . . . . . . . . . . . . . . . . . . . .

:Hi7 ,2:-n 7R X":i8,225.4R
G,064.20 None None
1,100,787.98 22,f.i5R.fl0 None
None None 1,786.68

Total Assets .............. , . . . 2,8:16,610.72

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

1,()14,()54,;~5
6G7,678.12 22:1,617.81
148,792.4~
None
17,589.97 None
None 32,074.50 100,000.00 85,000.00 25,681.4!! 21,52l.B!J

Total Liabilities .............. , $

STATEMENT

Showing condition at the close of business December 31, 1964, of
BANK OF HIAWASSEE HiawaBSee, 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-
cluding reserve balances, and cash ~
items in process of collection .... United States Government obliga-
tions, direct and guaranteed .....
Obliga!i'?n.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 indirectly representing bank premises or other real estate ............. .
Customers' liability to this bank on
acceptances outstanding ........ . Other Assets ..................... .

:!90,246.61 714,004.G1
98,72:3.59 49,687.50
None 1,290,022.90
27,075.71 None
None None None

Total Assets .................. $ 2,569,760.92

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 account of this bank and outstanding ............................ .
Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves ...................... .

1,169,472.58 978,485.50 4,020.40
1:14,107.23 None
17,417.15 None
None 28,620.90 50,000.00 50,000.00 137,637.16
None

Total Liabilities ............... $ 2,569,760.92

82

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE HINESVILLE BANK

Hinesville, Ga.

As called for by the Superintendent of Ranks

D. F. MARTIN, JR., President.
Date of Charter: 9-4-1911

JAS. M. FLOYD, Cashier.
Began Business: 11-15-1911

ASSETS Cash, balances with other banks, in~
eluding reserve balances, and cash items in process of collection .... ;:i
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.s of States and political
SUbdtVISIOllS , .. , , , ... , , , , .... ,
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 . . . . . . . . . . . . . . . . . . . . . .

722,)tz.:~.24
600,GOO.OO
:;;~5,~78.z;
.Ak, j lk.1., None
l,li:ll-l,4UX.21 15,~n2.2fi None
NorH-' None 10,721.2~

Total Assets . . . . . . . . . . . . . . . . . . ;J,r;r;:J,012.4t;

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 ......... .

1 ,G45,1i24.0G H:l5,%H.OH
1!1~,41(;.71
G!i\J,X22.HX
None
12,2:l7.42 None
None None 150,000.00 150,000.00 72,95:!.:12 27,1100.00

Total Liabilities ...............$ :J,nfi:l,012.4ti

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS BANK Hogansville, 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 obligations, direct and guaranteed ..... Obliga~i'?n,s 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 ................. .

4G:J,:l:l0.5~ 402,505.0~
18,428.07 Go,O:l7.50
None fiH2,741.ti:{
:l5,955. 71 1,191.82
None None 1,584.fi4 1,675,775.04

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves

%4,90:!.1;1< !R1,:l84.2:l 22,889.fi2
2XFI,1~4.4H
None
Fl,BX2.40
None
None 41,577.:34 120,000.00 42,000.00 21,948.29
None

Total Liabilities

.. ...... $ 1,()75,775.04

FORTY-FIFTH ANNUAL REPORT

83

STATEMENT

Showing condition at the close of business December 31, 1964, of

EMPIRE BANKING COMPANY

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

J. L SUMMERLIN, President.

ALLEN GRIFFIS, Cashier.

Date of Charter: 3-1-1945

Began Business: 6-1-1945

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of cgJlection .... $ 750,406.13

United States Government obligations, direct and guaranteed .....

852,838.00

Obliga~i'?n_s of States and political
subdJVlSJODS ..
Other bonds, notes, and debentures

29,815.80 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

874,508.50

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

11,752.69

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

None
-----

Total Assets ................. . 2,519,321.12

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,056,571.~8
919,213.79 29,759.92
305,582.08 None
5,729.12 None
None None 100,000.00 50,000.00 52,464.93 None

Total Liabilities . . . . . . . . . . . . . . . $ 2,519,321.12

STATEMENT

Showing condition at the close of business December 31, 1964, 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, 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'?n.s of States and political
subdtvtstons ................... .
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 represe:rl:ting bank premises
or other real estate ............. .
Customers' liability to this bank on acceptances outstanding ........ .
Other Assets ..................... .

362,426.10 577,037.42
54,951.44 318,893.75
None G50,662. 72
23,817.99 None
None None None

Total Assets .................. $ 1,987,789.42

LIABILITIES
Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . Deposits of banks ................. .
Other deposits (certified and officers' checks. etc.) ................... .
Ilills payable .................... . Acceptances executed by or for ac-
count of this bank and outstanding ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves ................ .

Xl8,:JOO.O:l 718,681.1 G
16,507.56
259,891.20 None
2,536.10 None
None 13,807.42 50,000.00 75,000.00 38,065.95
None

Total Liabilities

1,987,789.42

84

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
MciNTOSH STATE BANK Jackson, Ga.
As called for by the Superintendent of Banks

WM H. SHEPARD, President.
Date of Charter: 2-14-1964

HENRY L. ASBURY, Cashier.
Began Business: 9-18-1964

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and casP items in process of collection ... ,$ United States Government obligations, direct and guaranteed.....
O~~~dl~i:.'i~n~f. -~~~te~. -a~~. -~~l~~i~~~
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 .................. $

:115,367.72 194,795.G7
None 45,015.19
None
:194,675.:10 H0,727.11 None
None None 1,289.84
l,04I,H70.8~

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ................ .

425,013.0H 150,025.12
53,595.7H
193,364.11 None
5,676.50 None
I
None 1:1,737.28 150,000.00 50,000.00
458.91; None

Total Liabilities ............... ~

STATEMENT

Showing condition at the close of business December 31, 1964, of
JASPER BANKING COMPANY Jasper, Ga.

As called for by the Superintendent of Banks

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 items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s of States and political subdtvtstons .................. . 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 ................. .

687,55:3.96 1,234,001.48
None 399,437.50
None 1,541,186.08
24,995.63 11,500.00
None None 1,858.48 :],900,5:33.1:3

LIABILITIES

Demand deposits . . . . . . . . . . . . ... .

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i~s of States and political sub-

dtvtstons ....................... .

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 .

ReserveR

1, 720,311.09 1,468,325.15
74,932.36
279,932.42 9,110.00
None None
None 9,434.19 100,000.00 100,000.00 118,487.92 25,000.00

Total Liabilities ...

........ $ :J,9oo,5:n.I:J

FORTY-FIFTH ANNUAL REPORT

85

STATEMENT

Showing condition at the close of business December 31, 1964, 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: 1-2-19n4

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash items in process of collection ....

447,397.05

United States Government obligations, direct and guaranteed .....

454,234.37

Obliga~i'?~s of States and political
subdJVlSIODS ..
Other bonds, notes, and debentures

61,303.47 240,213.23

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

1,587,371.45

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

25,475.88

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate............. .

4,544.00

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

9,816.10

-----

Total Assets .................. $ 2,830,855.55

LIABILITIES Demand deposits ................. . $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~ 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 ......................... .

1,148,416.30 1,007,555.66
23,258.10
250,161.74 None
97,165.26 None
None 13,552.72 200,000.00 40,000.00 50,245.77
None

Total Liabilities ............... $ 2,880,~55.55

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and caslitems in process of collection ... $
United States Government obligations, direct and guaranteed.... .
O~~~~!~~;i~n~f -~t~t~~- -~~~. -~~li~ic~~

770.910.45
2,fi:~5.49~.o:~
29S.~OUG

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~fh:re~:~le~~~~~e ~-a-~~ . ~~~~i~~:

None None
:~.21ii>,42(UHl fi9,97f-i.02 24.:JG:l.2:l
7 fi, OOO.(l(l

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

:-3,B~G~~S

Other Assets ..................... .- - - -

Total Assets .................. $ 7,1:J0,27f;.R7

LIABILITIES Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~ 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 outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ........... : . ............ .
Undivided profits ................ . Reserves ......................... .

2,\:JB2,G8(i.'lll
I,22fi.~=tz:~_qz
146,016.1:1
~.257.125.17
None
IS,fi711.12 Non(>
None
~7.164.04
250,000.00 l 00.0110.00
fif5,:-~RG.29
None

Total Liabilities . . . . . . . . . . . . . . . ~ 7, l:~0,27fi.K'i

86

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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, in-
* cluding reserve balances, and cash
items in process of collection .... United States Government obliga-
tions, direct and guaranteed ..... Obliga~i~n.s of States and political
subdiVISlODS .................... .
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 ..................... .

;)!--14, 191.7fi 77fi,4fi4.k8
None NonP Nonf' 1.21 !i,04S.(i:2 26,67l.!H"i None
None None Nont>

Total Assets ................. . 2,412,:l77.22

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dlvlstons ....................... . 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 ........ .

651,152.7G
1.22:~,G:~!:UHi
4,075.27
21 \),:J25.:l7
4G,lfi1.:~~
ii,79G.:H None
None None iiO,OOO.OO 100,000.00 50,000.00 1;2,2:ll;.] 7

Total Liabilities ............... o; 2,412,:l77.22

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances. and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga!i~n.s 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 ................. .

2,489,401.8$\
~f>7,149.114
None None 2,77:1,0:)7 .114 127,105.:\9
1.00
None None 1,282.77 7.!l74,81;2.fi2

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

......... .

ReRerves

3,47:{,477.2fi 2,1!15,045.1:{
11H,:J:JG.f>2
1,415,5!!3.5!! None
17,6HO.!J9 None
None 12:1,055.9:3 150,000.00 300,000.00 221,67:l.21
N(HlP

Total Liabilities ...

. . . . . . . . $ 7,974,HG~.fi~

FORTY-FIFTH ANNUAL REPORT

R7

STATEMENT

Showing condition at the close of business December 31, 1964, 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
eluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

2,65R,fi70.21 4,0H9,8:Hi.51 1,~90,217.76
None :),150.00 (J,G42,(J7:l.ll1 14:l,461.97
None
None None 112,080.05

Total Assets .................. ~ 1H,Ii:l!J,HR9.!'il

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~ 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 ................ .

7 ,223,54H.51 6,550,801.41
425,42:l.li0
1,503,442.77
:Jo,ooo.uo
24,J:ll.26 None
None 1,:l:H,927.0:l
500,000.00 500,000.00
31,064.9:l 519,550,.00

Total Liabilities ............... :-ri 1H,r;:Hl,HX\J.G 1

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.....
Obliga~i'?n.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 indirectly representing bank premises or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

X98,XG2.:~x H13,H2R.40 !)2R,72R.54
None Nora 2,\JX2,112.74 7fi,:~.S9.1 :{ None
None None None

Total Assets ...... .

G,298,911.1!l

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... .
Undivided profits ................ . Reserves ............ .

2,54~.217.()!1
1,252,222.24 :l:l,4GO.HX
fiXfi, 10().5.1
71,:~77.17
None Nonp
None 198,420.28 100,000.011 200,000.00 22:l,li90.:lli
\ll ,41 fi.O:{

Total Liabilities ............... :;; ii,298,911.1!J

88

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of FARMERS AND MERCHANTS BANK

Lakeland, Ga.

As called for by the Superintendent of Banks

W. A. ROQUEMORE, President.
Date of Charter: 4-18-1907

A. T. FLOWERS,
Cashier. Began Business: 1907

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ ~24,498.24

United States Government obliga-

tions, direct and guaranteed .....

697,600.50

Obliga~i'?n.s of States and political

subdJVISlODS ........ ,

None

Other bonds, notes, and debentures

224,964.84

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

707,761.95

Bank premises owned, furniture and

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

25,837.97

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

2,039.46

-----

Total Assets .................. $ 1,882,702.9<;

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ................ .

947,771.22 445,182.80
16,272.67
184,647.29 21,08:3.09
8,125.59 None
None 63,4:37.98 25,000.00 100,000.00 36,182.32 25,000.110

Total Liabilities ............... $ 1,882,702.96

STATEMENT

Showing condition at the close of business December 31, 1964, of

NORTHEAST GEORGIA BANK Lavonia, Ga.

As called for by the Superintendent of Banks

W. N. HARRISON,

W. N. HARRISON

President.

Cashier.

Date of Charter: 9-20-1940

Began Business: 9-23-1940

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 6:31,446.88

United States Government obliga-

tions, direct and guaranteed ..... 1,!;40, 725.78

Obliga!i'?n.s of States and political SUbdtVISIOnS .... , , . , .......... .

None

Other bonds, notes, and debentures

100,000.00

Corporate stocks (including stock of

Federal Reserve Bank) ......... .

None

Loans and discounts (including over-

drafts) ........................ .

9:12,952.35

Bank premises owned, furniture and

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

19,579.75

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

----

Total Assets ................. . 3,224,704.7G

LIABILITIES
Demand deposits ................ . Time deposits .................... . Deposits of U. S. Government ..... . Def!o~i~s of States and political sub-
dtvtstons ....................... . 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

1,869,234.85 818,710.92 46,37 4.19
2:10,476.81 None
1,440.\JO None
None 2,672,5(; 100,000.00 100,000.00 li5,794.f>:l
Norw

Total Liabilities ..

.... ;j; 3,224,704.71i

FORTY-FIFTH ANNUAL REPORT

89

STATEMENT

Showing condition at the close of business December 31, 1964, 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

AS!lETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
o~~~:H~i~i~n~f- -~~~t_e_s_ -~~~. -~~l~~i~~-1
Other bonds, notes, and debentures Corporate stocks (including stock of
Federal Reserve Bank)...........
Loans and discounts (including overdrafts) . . . . . . . . . . . . . . . . . . . . . . . . .
Ba::t!:!~i~~~ -~~-~~- ~~~~~~~~~ -~~~
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
Ot~~~e~~~~:s. ~~~~~~~~~~~.:::::::::

984,388.47 1,067,301.39
867,522.44 None
12,000.00 :J,l34,816.61
172,526.01 None
None None 6,300.00

Total Assets .................. $ 6,244,854.92

LIABILITIES Demand deposits ................ . Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

2,116,951.66 2,635,485.84
20,986.56
791,130.21
5,poo.oo
4,411.27 None
None 448.48 200,000.00 200,000.00 270,440.90 None

Total Liabilities . . . . . . . . . . . . . . $ 6,244,854. 92

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE STATE BANK OF LEESBURG. Leesburg, Ga.

As 'called for by the Superintendent of Banks

T. R. CANNON,

T. R. CANNON,

President. Date of Charter: 4-9-1947

Cashier. 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 obligations, direct and guaranteed.....
O~~~d~~~~i~n~f -~~t_"~. -~n~. :.~l~~k~-1
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 . . . . . . . . . . . . . . . . . . . . . .

268,526.32 448,031.25
None 25,070.32
None
644,587.19 9,493.25 None
None None None

Total Assets .................. $ 1,395,708.33

LIABILITIES

Demand deposits .................. $

Time deposits .................... .

Deposits of U. S. Government..... .

De~o~i~s of States and political sub-

dtvtstons ....................... .

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

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

585,443.99 237,672.03
6,000.00
386,351.38 10,000.00
None None
None 4,139.36 50,000.00 50,000.00 66,101.57
None

Total Liabilities .............. $ 1,395,708.33

90

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF LENOX

Lenox, Ga.

As called for by the Superintendent of Banks

R. H. RpBINSON,

R. H. ROBINSON, JR.,

President.

Cashier.

Date of Charter: 6-20-1907

Began Business: 6-25-1907

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection ....$ United States Government obligations, direct and guaranteed .....
Obliga!i'?n.s of States and political
SUbdtVISJODS ..... , ,
Other 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 bank on acceptances outstanding ........ . Other Assets ..................... .

514,195.04 897,724.75 221,456.53
None None 856,551.06 62,182.87 None
None None None

Total Assets .................. $ 2,552,110.25

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvisions ....................... . 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,oa3,192.84 848,007.49 56,269.34
136,179.71 38,297.15
34,243.04 None
None 14,802.16 100,000.00 200,000.00 56,585.42 H4,fiHUO

Total Liabilities ............... $ 2,552,110.25

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS & MERCHANTS BANK Lealie, Ga.

As called for by the Superintendent of Banks

W. T. ANDERSON, JR.,

ROBT. P. HINES,

President. Date of Charter: 12-19-1940

Cashier. Began Business: 1-2-1941

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed .....
Obliga!i'?n_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 ..................... .

130,933.61 399,850.00
4,000.00 174,968.75
None 433,649.91
14,657.23 None
None None 3,173.15

Total Assets ................. . 1,161,232.65

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

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

Reserves ....

583,234.01 397,064.65
8,998.95
54,578.80 None
None None
None 8,377.91 25,000.00 75,000.00 8,978.38
None

Total Liabilities ............... $' 1,161,232.65

FORTY-FIFTH ANNUAL REPORT

91

STATEMENT

Showing condition at the close of business December 31, 1964, of
CITIZENS BANKING COMPANY Lexington, GL
As called for by the Superintendent of Banks

W. E. EVANS, President.
Date of Charter: 2-7-1949

W. E. EVANS, Cashier.
Began BuaineBB: 3-10-1949

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash $ items in process of collection .... United States Government obligations, direct and guaranteed .....
Obliga!i'?n.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 ..................... .

232,914.89 298,241.56
67,242.56 219,937.50
None 529,590.70
10,589.65 None
None None 1,078.11

> Total Assets . . . . . . . . . . . . . . . . . . i,359,594.97

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ .
Reserves ........................ , .

485,913.01 568,142.12
14,005.63
187,593.72 None
3,599.89 None
None None 50,000.00 40,000.00 10,340.60 None

Total Liabilities ............. ~ 1,359,594.97

STATEMENT

Showing condition at the close of business December 31, 1964, of FARMERS STATE BANK Lincolnton, Ga.

As called for by the Superintendent of Banks

W. B. ALBEA,

GEO. C. LEVERETT, JR.,

President.

Cashier.

Date of Charter: 9-26-1911

Began Business: 12-2-1911

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed... . .
Obliga!i'?n.s 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 . . . . . . . . . . . . .

4 71 .x~l-U-1.:{ I ,14~,:1!Hi.1 H
230,980.:)4
r.o,ooo.oo
None 1,161,088.07
2.00 None
None None None

Total Assets .................. $ 3,057,3fi8.43

LIABILITIES

Demand deposits ................. .

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i~s of States and political sub-

dtvisions ....................... .

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

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

1,1:j5,757.U:1 1.297,119.0f>
11,82\1.11
2~!1,Hi7.71i Notl('
1.480.00 None
None None 50,000.00 100,000.00 121,275.37 50,730.11

Total Liabilities ............... $ 3,05 7,:158.4:1

92

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE PEOPLES HANK

Lithonia, Ga.

As called for by the Superintendent of Banks

G. OGDEN PERSONS, II,

W. L. WILLIAMSON,

President.

Cashier.

Date of Charter: 8-26-1910

Began Business: 1910

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash items in process of collection .... $ 302,315.06

United States Government obligations, direct and guaranteed..... 1,110,831.33

o~~~~~~~;i~n~f. _s~tes -~~~. -~o.l~~i~a~

21,158.58

Other bonds, notes, and debentures

34,931.25

Corporate stocks (including stock of Federal Reserve Bank) .......... .
Loans and discounts (including overdrafts) . . . . . . . . . . . . . . . . . . . . . . . . .

None 1,171,081. 70

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

15,699.61

Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .

13,589.30

Investments and other assets indi

rectly representing bank premises or other real estate. . . . . . . . . . . . . .

6,440.00

Customers' liability to this bank on

None

acceptances outstanding . . . . . . . . .

None

Other Assets ..................... . - - - - -

Total Assets .................. $ 2,676,046.83

LIABILITIES
Demand deposits ..................$ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!" of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,407,820.88 578,402.92 37,706.83
383,010.97 None
139.28 Nm1e
None 59,910.91 100,000.00 100,000.00
9,055.04 None

Total Liabilities ............... $ 2,676,046.83

STATEMENT

Showing condition at the close of business December 31, 1964, 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 items in process of collection .... $ 191,900.01

United States Government obligations, direct and guaranteed .....

105,000.00

Obliga~i'?n.s of States and political
SUbdtVISIODS .. , , , . , , .. ,
Other bonds, notes, and debentures

None 69,837.50

Corporate stocks (including stock of Federal Reserve Bank) ......... .

None

Loans and discounts (including overdrafts) ........................ .

288,713.67

Bank premises owned, furniture and

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

6,704.43

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets

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

.

-

-

-

None
--

Total Assets . . . . . . . . . . . . . . . . . . $ 662,155.61

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'

cheeks, etc.) ................... .

Bills payable .................... .

Acceptances executed by or for ac-

count of this bank and outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

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

Reserves ............ .

418,407.94 76,432.72 1,248.78
69,468.27 None
5,754.47 None
None 8,140.89 30,000.00 30,000.00 22,702.54
None

Total Liabilities ............... $ 662,155.61

FORTY-FIFTH ANNUAL REPORT

93

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF LOGANVILLE

Loganville, Ga.

As called for by the Superintendent of Banks

C. A. KELLEY, JR.,

J. G. WEBB,

President.

Cashier.

Date of Charter: 5-6-1946

Began Business: 10-5-1946

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed. . . . . Obliga~i'?n.s of States and political subdtvts1ons . . . . . . . . . . . . . . . . . . . . . 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 . . . . . . . . . . . . . . . . . . . . . .

228,536.36 179,005.20
None 49,662.50
None 559,251.54
40,784.15 None
None None 96,422.36

Total Assets .................. $ 1,153,662.11

LIABILITIES Demand deposits ................ $ Time deposits .................... . Deposits of U. S: Government..... . De~o~i~s of States and political sub-
dtvtsions ....................... . 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 ......................... .

515,068.95 412,655.86
37,821.61
62,604.14 None
743.21 None
None 1,500.00 25,000.00 50,000.00 23,592.60 24,675.74

Total Liabilities . . . . . . . . . . . . . $ 1,153,662.11

STATEMENT

Showing condition at the close of business December 31, 1964, 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.
Be_g_an Business: 7-2-1945

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection .... $

94,275.61

United States Government obliga-

tions, direct and guaranteed .....

289,133.87

Obliga~i'?n.s of States and political

SUbdiVlSlODS , ............. , . , .. .

None

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) ......... .

None

Loans and discounts (including over drafts) ........................ .

341,633.97

Bank premises owned, furniture and

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

749.94

Real estate owned other than bank

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

None

Investments and other assets indi

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . .. .. .. . . .. .. . . . . .. . . . - - - 8-78.-71

Total Assets .................. $ 726,672.10

LIABILITIES Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
divistons ....................... . 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 ......................... .

345,772.88 166,475.26
5,161.69
93,267.33 None
1,857.74 None
None 5,757.46 25,000.00 60,000.00 23,379.74
None

Total Liabilities .............. $ 726,672.10

94

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of FARMERS 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 other banks, in~

eluding reserve balances, and cash

items in process of collection .... $ 338,806.10

United States Government obliga-

tions, direct and guaranteed .....

675,546.46

Obliga~i'?n.s of States and political
SUhdiVISJODS .....
Other bonds, notes, and debentures

74,735.18 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

643,980.71

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

11,961.18

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

-

-

-

None
--

Total Assets . . . . . . . . . . . . . . . . . . $ 1,745,029.1i3

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

85g, 783.50 461,419.21
6,244.12
180,220.88 None
5,574.41 None
None 43,842.71 50,000.00 100,000.00 37,944.80
None

Total Liabilities ............... $ 1,745,029.63

STATEMENT

Showing condition at the close of business December 31, 1964, of

LUTHERSVILLE BANKING COMPANY Luthersville, Ga.

As called for by the Superintendent of Banks

JIMMY D. NeSMITH, President.
Date of Charter: 10-11-1905

ELIZABETH W. REID, Cashier.
Began Business: 8-3-1906

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ ~f.7.R51i.20

United States Government obJigations, direct and guaranteed .....

479,255.R5

Obliga~i'?n.s of States and political subdiVISIOnS ................ .
Other bonds, notes, and debentures

10.956.77 None

Corporate stocks (including stock of

Federal Reserve Bank) ..... .

1.00

Loans and discounts (including overdrafts) ........................ .

!)20,156.67

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

11,381.17

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............ .

None

Customers' liability to this bank on

None

oth~~e~t:s:~:s. ~~~~~~~~~~~.:::::::..

2,5:H.54

-----

Total Assets ................. . 1,392.14!5.20

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 .......... .
Re~erves

479.21::).7:) 402,:l5l.:l4
1G,;~56.6G
;J:J:l,127 .84 35,000.00
26,629.51 None
None 1,291. 71 50,000.00 37,500.00 IO.Ii24.42
None

Total Liabilities ............ $ l,:l92,14ii.20

FORTY-FIFTH ANNUAL REPORT

95

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed .....
Obliga!i<?n,s of States and political
SUbdiVISIODS
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 00 00 00 . . . . . . 00 00 00 00 00

480,767.08 391,848.82 139,698.52 1,100,000.00
None 1,583,345.0:J
35,724.71 None
None None None

'rota! Assets $ 00 00 00 00 00 00 00 00 00 3, 731,384.1 G

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De!!o~i!s of States and political sup-
diVISions ....................... .
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 ........................ , .

1,%:3,721.08 824,045.78 30,657.3:1
452,958.03 52,939.55
18,988.44 None
None None 100,000.00 200,000.00 88,073.95 None

Total Liabilities ............... $ 3,7:l1,384.1G

STATEMENT

Showing condition at the close of business December 31, 1964, 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, 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'?n.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

. 00.00. 00 00 00 00 0 0 . . . . .

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

629,970.11 1,277,901.52
504,427 76 None None
1,209,025.63 48,769.13 None
None None 1,455.71

Total Assets .................. $ 3,671,549.8G

LIABILITIES Demand deposits .................. $
Time deposits .................... .
Deposits of U. S. Government ..... . De!!o~i!" of States and political sub-
dtvtstons ....................... . Deposits of banks ..... 00 00
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 ......................... .

2,522,786.65 195,866.43 58,174.79
524,221.94 10,000.00
1, 778.05 None
None 52,122.32 100,000.00 100,000.00 35,000.00 71,599.68

Total Liabilities ............... $ :J,671,549.8(i

96

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
THE SOUTH COBB BANK Mableton, Ga.
As called for by the Superintendent of Banks

J. G. LUNDY, President.
Date of Charter: 6-21-1963

PHILLIP E. JOHNSON,
Cashier. Began Business: 3-2-1964

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga!i'?n.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 . . . . . . . . . . . . . . . . . . . . . .

839,959.50 218,696.89
None None None 1,236,697.84 201,893.35 None
None None 617.4 9

Total Assets .................. $ 2,497,865.07

LIABILITIES
Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,172,722.20 375,390.57 12,268.41
373,110.55 25,000.00
13,169.10 None
None 39,776.93 250,000.00 200,000.00 36,427.31
None

Total Liabilities ............... $ 2,497,HI)!i.07

STATEMENT

Showing condition at the close of business December 31, 1964, of

GEORGIA BANK & TRUST COMPANY Macon, Ga.

As called for by the Superintendent of Banks

LOGAN LEWIS, President.
Date of Charter: 6-9-1960

THOS. E. DOLLAR, Cashier.
Began Business: 7-1-1960

ASSETS Cash, ~alanc.es with other banks, in-
cludtng reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
0~~~~~~1~i~n~f -~ta~s. -~n~ ..p~litic~~
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 . . . . . . . . . . . . . . . . . . . . . .

2,331,486.10 4,213,109.50 1,087,001.63
5,000.00 None
8,272,165.47 83,662.21 None
175,000.00 None
78,978.19

Total Assets .................. $ 16,246,403.10

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government .... :. De~o~i~s of States and political sub-
dtvtstons ....................... . Deposits of banks ................. .
Other deposits (certified and officers' checks, etc.) ................... .
Bills payable .................... .
Acceptances executed by or for account of this bank and outstand-
ing ............................ . Other liabilities .................. . Capital .......................... .
Surplus .......................... . Undivided profits ................ .
Reserves ............. .

(),338,011. 70 2,333,625.87
235,513.92
2,868,409.04 2,431,975.09
114,294.28 None
None 314,597.18 1,000,000.00 500,000.00 109,976.02
None

Total Liabilities ............... $ 16,241>,40:3.1 0

FORTY-FIFTH ANNUAL REPORT

97

STATEMENT

Showing condition at the close of business December 31, 1964, 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 reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
SUbdiVlSIODS , . , .
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 ..................... .

614,342.77 1,254,000.80
9,924.60 None None
1,316,179.38 29,760.89 None
None None 992.63

Total Assets . . . . . . . . . . . . . . . . . . $ :l,22fi,201.07

LIABILITIES Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,403,5(;] .1 () 1,442,680.14
27,151.0:1
109,504.92 None
800.00 None
None None 50,000.00 100,000.00 91,503.88 None

Total Liabilities .............. $ :1,225,201.07

STATEMENT

Showing condition at the close of business December 31, 1964, 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,J&, Cashier.
Began Business: 2-2-1910

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
SUbdiVlSlOTIS , , , , . , , , , ... , ...
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 premise!? or other real estate ............. . Customers" liability to this bank on acceptances outstanding ........ . Other Assets ..................... .

1,086,291.21 1,135,070.00
636,289.97 299,714.00
None 1, 768,722.56
34,489.05 4,171.02
None None 884.23

Total Assets . . . . . . . . . . . . . . . . . . $ 4,965,632.04

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 account of this bank and outstanding ............................ .
Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves ......................... .

2l,,17696831,,,260786388....668353
4 52 , 3N5 4o.2n9e
4,163.61 None
None 75,414.79 150,000.00 150,000.00 90,668.24 20,000.00

Total Liabilities . . . . . . . . . . . . . . . $ 4,965,632.04

98

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK OF MANCHESTER Manchester, Ga.

As called for by the Superintendent of Banks

ELMER LOFTIN,

JIMMIE F. LOFTIN,

President. Date of Charter: 10-7-1947

Cashier. Began Business: 2-2-1948

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed .....
Obliga!i'?n.s of States and political subdtvtstons .................... .
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 ..................... .

882,161.71 428,749.05
30,656.60 100,000.00
None 796,423.31
19,825.76 None
None None 1,235.59

Total Assets .................. $ 2,259,052.02

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ................ .

773,717.00 921,373.41
19,802.90
379,R~1.52
None
4,510. 72 None
None 4,118.63 50,000.00 70,000.00 36,197.84
None

Total Liabilities ............... $ 2,259,052.02

STATEMENT

Showing condition at the close of business December 31, 1964, 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.
Bep:an Business: 3-1-1946

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .... United States Government obligations. direct and guaranteed ..... Obliga!i'?n.s of States and political subdtvtstons ................... . 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 ................. .

152,330.95 126,000.00
None 66,548.50
None 476,038.63
3,260.59 None
None None None 824,178.67

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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

344,702.32 261,296.04
.44
88,414.55 5,000.00
1,426.15 None
None 531.42 25,000.00 75,000.00 22,807.75 None

Total Liabilities ............... $ 824,178.67

FORTY-FIFTH ANNUAL REPORT

99

STATEMENT

Showing condition at the close of businP"" nPcember 31, 1964, 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
eluding reserve balances, and cash items in process of collection. . . . $
United States Government obligations, direct and guaranteed.....
0~~t~f~i~i~n~f -~~t~~- -~~~ ..~1~~i~~~
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 ..................... .

3,325,589.88 1,991,902.68 1,923,215.65
None None 6,208,180.99 97,597.73 None
None
7 ~. 7~~~~

Total Assets ................. . 13,619,254.17

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

7,255,342.47 2,322, 771.64
401,571.38
2,418,172. 72 None
82.00 None
None 267,326.57 300,000.00 400,000.00 253,987.39
None

Total Liabilities ............... $ 13,619,254.17

STATEMENT

Showing condition at the close of business December 31, 1964, of MARlETTA 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-
cluding reserve balances, and cash
items in process of collection. . . . $ United States Government obliga-
tions, direct and guaranteed .....
Obliga!i'!n.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 ..................... .

1,078,989.50 1,516,991.26
76,418.82 155,083.00
None 2,993,17 4.65
141,387.40 None
None None 38,742.16

Total Assets ................. . 6,000,786.79

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves ................ .

2,843,036.33 1,286,000.34
207,800.15
956,591.75 10,500.00
54,308.00 None
None 126,871.79 320,000.00 150,000.00 45,678.43
None

Total Liabilities ............... $ 6,000,786.79

100

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... $ 156,596.64

United States Government obliga-

tions, direct and guaranteed .....

160,000.00

Obliga~i'!n.s of States and political subdtvtstons .................... .

None

Other bonds, notes, and debentures

None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

325,931.98

Bank premises owned, furniture and

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

10,685.00

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on acceptances outstanding ........ .

None

Other

Assets

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

.

-

-

-

None
--

Total Assets . . . . . . . . . . . . . . . . . . $ 653,213.62

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

321,820.28 159,655.57
900.00
108,305.09 None
5,849.68 None
None None 25,000.00 25,000.00 6,683.00 None

Total Liabilities ............... $ 653,213.62

STATEMENT

Showing condition at the close of business December 31, 1964, of BANK OF MEIGS Meigs, Ga.

As called for by the Superintendent of Banks

J. L. PILCHER,

TOM SMITH,

President.

Cashier.

Date of Charter: 5-8-1903

Began Business: 6-1903

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i'!n.s 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 ..................... .

19S.522.19 568,0SUi7
8,000.00 19R,750.00
None 711,71R.:l9
1:l,6:J5.00 None
None None None

Total Assets .................. $ 1,fi9R,707.25

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . Del!o~i~s of States and political sub-
dtvtsions ....................... . 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

757,306.90 509,450.42
11,927.11
179,009.92 None
1 :l,\lli7.04 None
None None 50.000.00 50,000.00 102,045.Rfi 25.000.00

Total Liabilities ...

. ...... ~ 1,(i9X,707.2G

FORTY-FIFTH ANNUAL REPORT

101

STATEMENT

Showing condition at the close of business December 31, 1964, of

METTER BANKING COMPANY

Metter, Ga.

As cafled for by the Superintendent of Banks

M. E. TRAPNELL, President.
Date of Charter: 7-25-1930

REX D. HARTLEY, Cashier.
Began Business: 8-26-1935

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection. . . $

:l57,520.84

United States Government obligations, direct and guaranteed ..... 1,701,367.58

Obliga~i~n.s of States and political
subdiVISlODS ...... , ..
Other bonds, notes, and debentures

143,654.46 50,000.00

Corporate stocks (including stock of Federal Reseive Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ . 2,218,894.69

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

:H,498.10

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . . Other Assets ..................... .

~9_~~

-----

Total Assets .................. $ 4,503,024.88

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

1,589,671.:!2 2,147,382.01
49,971.14
248,296.76 222.97
15,514.47 No'ne
None 78,549.10 125,000.00 125,000.00 23,417.11 100,000.00

Total Liabilities ...............$ 4,503,024.88

STATEMENT

Showing condition at the close of business December 31, 1964, 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

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i~n.s of States and political
SUbdiVlSlODS ........... , , , . ,
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 ..................... .

:J25,:l41.76 6Bl ,509.00
None None None 729,820.27 51,951.77 None
None None 565.40

Total Assets .................. $ 1,799,18R.20

LIABILITIES Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvistons ....................... . 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 ......................... .

624,8:J6.S5
6!~,4f2.19
4,067.50
2(i9,395.88 None
25,505.27 None
None None J 00,000.00 75,000.00 41,470.51 10,500.00

Total Liabilities .............. $ 1,799,188.20

102

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
BANK OF MIDVILLE Midville, Ga.
As called for by the Superintendent of Banks

J. B. THURMAN, President.
Date of Charter: 4-13-1945

R. H. SIMS, Cashier.
Began Business: 5-21-1945

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash$ items in process of collection ....

111,670.81

United States Government obligations. direct and guaranteed .....

242,506.25

Obliga!i'?n.s of States and political
subdtvlSIODS ....................
Other bonds, notes, and debentures

11,754.46 None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including over drafts) ........................ .

:J~~.l60.21

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

2.00

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate............. .

None

Customers' liability to this bank on

None

acceptances Other Assets

outstanding .............

. .

.. ..

. .

. .

.... ...._

_

_

_3_ 2 6._4

1

Total Assets .................. $ 765,420.14

LIABILITIES Demand deposits . . . . . . . . . . . . . . . . . $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i!s of States and political sub-
dtvtsions ....................... . 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 ......................... .

265,_50 .00 226,028.01
93.75
(i8,113.72 5,000.00
4,522.4R None
None 3,572.78 25,000.00 50,000.00 16,039.40 1,500.00

Total Liabilities ............. $ 7fi5,420.14

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF MILAN Milan, Ga.

As called for by the Superintendent of Banks

W. C. McCRANIE,

JACK B. WETHERINGTON,

President.

Cashier.

Date of Charter: 12-6-1906

Began Business: 10-1906

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga!i'?n.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 .................... ..

370,856.56 300,104.00
None None None 864,245.12 23,286.30 None
None None None

Total Assets .................. $ 1,55H,491.98

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvlstons ....................... .
Deposits of banks ................. . Other deposits (certified and officers'
checks, etc.) ................... . Bills payable .................... .
Acceptances executed by or for account of this bank and outstand~
ing ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits
Reserves . . . . . ........ .

857,403.98 508,385.31
1,248.00
49,336.HO None
None None
None 114.50 70,000.00 35,000.00 37,003.39 None

Total Liabilities ............... $ 1,558,491.98

FORTY-FIFTH ANNUAL REPORT

103

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.....
o~~~:i~!i~~n~f..~~~tes .~~~..~~~~~i~~.1
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
Oth~~e~:;,'i:s. ~~~~~~~i.ng. :: : : : : : ::

1,262,894.97 2,336,713.93 1,037, 794.17
340,842.53 None
3,399,850.50 90,532.29 None
25,000.00
60,3~7.~~

Total Assets .................. $ R,554,00fU4

LIABILITIES Demand deposits , ................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~ of States and political sub-
dtvtstons ....................... . 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 ......................... .

2,258,916.04 3,109,161.93
220,577.43
1,527, 781.42 489,617.95
10,172.66 None
None 196,805.66 273,000.00 300,000.00 167,973.05
None

Total Liabilities . . . . . . . . . . . . . . . $ 8,554,006.14

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE MERCHANTS AND FARMERS BANK OF MILLEDGEVILLE Milledgeville, 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, in-
cluding reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.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 indirectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding ........ .
Other Assets ..................... .

1 ,994,:-Hi6.:{5
50~.1~7.22
;J50,000.00 None
2,;J05.0X5.:l() 104. J 40.41 None
None None None

Total Assets .................. % t;,224,27l.f;I

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 account of this bank and outstanding ............................ .
Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves ......................... .

2,16~.555.23
2,282,420.00 26,079.80
1,250,{;27.4{; None
20,:l13.81 None
None 18.70 150,000.00 200,000.00 12f:i,256.61 None

Total Liabilities ............... ~ r;,224,27J.t;l

104

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

RICHARD S. NORMAN, Cashier.
Began Business: 10-13-1884

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of coUection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i?":s of States and political SUbdlVlSlOnS . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

kB4, 72:1.71 :i,2l:W,142.75 1.002, 7:J5.JI;
42:i,71X.7fi None
:i,555,H05.19 UJO
None
None None None

Total Assets .................. $ !l,!57,227.51;

LIABILITIES Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 .................. .

~.\:l4H,:n4.57
:{,7:Hi,G5:{.9!J 1:l9.15:J.kk
1,:557 ,(i59.(};~ 70,255.90
15,:5K!i.OK None
None 4:J,:l20.4g 200,000.00 200,000.00 235,000.00 201 ,52:un

Total Liabilities ............... ~ 9.1~7,227.!iti

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF MILLEN

Millen, GL

As called for by the Superintendent of Banks

W. H. SHEPPARD,

WATSON W. ROCKER,

President. Date of Charter: 1-4-1893

Cashier. Began Business: 3-1-1893

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga!i?n.s of States and political SUbdtVIStOnS ......... , ........ . 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 ................. .

555,401.9H 1 ,H05,C;I:J.:::J
None 211,57H.4R
None 1.76:l,757.10
29, 78X.45 None
None None None 4,:56(), 1:{9.:34

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ................ . Regerves .....

2,057,011.97 1,567,42(5.20
4,200.00
312,813.02 10,000.00
14,061.5:) None
None 40,797.00 100,000.00 200,000.00 59,829.62
None

Total Liabilities ............... $

FORTY-FIFTH ANNUAL REPORT

105

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF MOLENA Molena, Ga.

As called for by the Superintendent of Banks

R. H. FLETCHER, President.
Date of Charter: 10-7-1901

CHAS. W. BECKHAM, Cashier.
Began Business: 3-1899

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
SubdiVlSIODS , ..... , , , ,
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 .................. $

147,200.00 None
llG,OOO.OO None
2:10,002.4\1 1.4S4.11 1.00
None None None
5X7,74~\.~J4

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . Del!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 ......................... .

21il.~:l!;.:16
191,42\l.94 7 ,4~Hl.ti9
5S,X90.12 None
70:). 7!i None
None 1,500.00
:;o,ooo.oo
20,UUU.UO 1 r. x o 2 . 0 7
None

Total Liabilities ................$ 5X7,74X.\l4

STATEMENT

Showing condition at the close of business December 31, 1964, of THE FARMERS BANK Monroe, Ga.

As called for by the Superintendent of Banks

GEO. W. BAKER, President.
Date of Charter: 1-1-1906

J. B. BUTTS, Cashier.
Began Business: 1-1-1906

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

1,14:1,117.1-.!!1 1 ,fiOX,KH:1.41
5K;),:1G;).79 150,4:J:J.:lfi
21,000.00 :{,!-1 :2, _
4 739 91
:n,ti74.1K 49,7:i4.15
None None None

Total Assets .................. $ 7,4!Jfi,95fi.715

LIABILITIES
Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . Del!o~i~ 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 ................... .

2,929,19X.2X 2,fi77;929.fi5
112,:lR!I.?:l
772,:J9fi.:l5 None
76,9!11.79 None
None 52,026.0:1 250,000.00 450,000.00 11 fi,024.92
None

Total Liabilities ............... $ 7,4:l6,95fi.75

106

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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~

eluding reserve balances, and cash items in process of collection .... $ :nx,:l:lL5<i

United States Government obligations, direct and guaranteed .....

726,594.18

Obliga!i~n.s of States and political
SUbdiVISIODS ..... , , , , , , , , , , ,
Other bonds, notes, and debentures

:ll5,K54.4h None

Corporate stocl~s (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

902,:l05.K1

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

12,702.51i

Real estate owned other than bank premises ....................... .

1,587.50

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

None

acceptances outstanding . . . . . . . . .

None

Other Assets ...................... _ _ _ _ __

Total Assets ................. . 2,277,:Hii.07

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

780,665.27 719,628.91
8,969.56
500,012.()1 None
19,410.45 None
None 11,447.KK 50,000.00 50,000.00 129,741.39
7,500.00

Total Liabilities ............... $ 2,277,:l7(i.07

STATEMENT

Showing condition at the close of business December 31, 1964, of BANK OF MONTICELLO Monticello, Ga.
As called for by the Superintendent of Banks

L. 0. BENTON, JR., President.
Date of Charter: 2-8-1964

L. W. BENTON,
Cashier. Began Business: 2-10-1964

ASSETS Cash, balances with other banks, in~
eluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga!i<?n.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 indirectly representing bank premises or other real estate ............. . Customers' liability to this bank on acceptances outstanding Other Assets ..................... .
Total Assets ................. .

24K,:l4:l.O 1 1 ,(Hi5,254.:J:l
:l2,22H.70 :14,775.011
NoiH' 1,014.140.27
H,264.Xl !li,215.00
None None 1,9KO.:l:l 2,412.202.4fi

. 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 ......................... .
Undivirled profits ................ .
Reserves

706,4K9.2K 1 ,:J54,647.Rli
:J0,590.0f>
104,920.27 None
15,288.45 None
None None 100,000.00 50,000.00 50,266.54 None

Total Liabilities

.......... $ 2;412.202.45

FORTY-FIFTH ANNUAL REPORT

107

STATEMENT

Showing condition at the close of business December 31, 1964, of

MOULTRIE BANKING COMPANY

Moultrie, Ga.

As called for by the Superintendent of Banks

W. J. BAIRD, President.
Date of Charter: 7-8-1896

H. W. RHODES, Cashier.
Began Business: 1896

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ....

:~.G7li,2fiK.Ii1

United States Government obliga-

tions, direct and guaranteed ..... ;1,G42,52!-J.Kl

Obliga~i'?n.s of States and political

subdJVlSIODS ........ , ..

1,253, 744.85

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

Bank premises owned, furniture and

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

Real estate owned other than bank

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

5X,OOII.OO

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

HII,OOO.OII

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . . - - -37-,854.22

Total Assets ................. . 15,51i1,740.1X

LIABILITIES Demand deposits . . . . . . . . . . . . . . . . . . $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtsions ....................... . 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 ......................... .

H,745,U6:J.:Jl :J,090,779.92
128,908.97
I ,240,980.47 221,350.89
7:1,618.20 None
None 254,770.:15 :JOO,OOO.OO I ,000,000.00 J:l2,279.51 :J7:l,99:1.51i

Total Liabilities ............... $ 1ii,5fi1,740.1H

STATEMENT

Showing condition at the close of business December 31, 1964, of

MOUNT VERNON B"ANK Mount Vernon, Ga.
As called for by the Su{lerintendent 9f 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 ..... Obliga~i'?n.s of States and political
subdtviSIOns ................... .
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 ........... .

40X,OII7.07 540,4(}K.25
85,801.1:1 49,9:n.so
None G12,5lli.22
u.:l91.1!1 None
None None I ,7!18.00

Total Assets ....... .

1,721,91 u.:)f-i

LIABILITIES

Demand deposits .................. $

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i!s of States and political sub-

dtvistons ....................... .

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

.......... .

687,244.05 471,471.!14
30, 19G.45
251,619-H:l 7:l,7!9.51i
4,014.87 None
None :10,923.57 7 5,000.00 fiO,OOO.Oil 37,729.0!1
Non{_

Total Liabilities ............... $ 1,721.9l.:lli

108

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS BANK Nashville, Ga.
As called for by the Superintendent of Banks

M. E. PERRY, President.
Date of Charter: 2-19-1943

OUIDA N. WILSON, Cashier.
Began Business: 3-1943

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection ... ,$
United States Government obligations, direct and guaranteed.....
o~~~~f~~~i~n~f _st~t-e~- -~nd. -~o-l~~i~a~
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 . . . . . . . . . . . . . . . . . . . . . .

1,47})-,742.47 441i,440.RB 10,000.00
~\19,000.00
None 1,1 GX,:14fi.:10
1 !i,200.00 N1)ne
NonE' None None

Total Assets . . . . . . . . . . . . . . . . . . $ :J,40X,7z9.f;G

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 .............. .

1.4~ 1,400. 7:{ 1,000,07:l.(i4
05,:J90.2g
444,2%.:JR 1 G0.442.0X
2,999.:14 None
None :J0,1XX.2J 100,000.00 100,000.00
4,000.00 110,000.00

Total Liabilities ............... $ 8,408,729.fiG

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE UNITED BANKING COMPANY Nashville, Ga.

As called for by the Superintendent of Banks

H. D. HAND,

LUCILLE L. FULLER,

President.

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 obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political SUbdtVISlOnS ..... , . , . , ...... , ..
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 ..................... .

455,7<>0.00
1:10,~)52.29
:1oo,ooo.oo None
1.~51 ,401.49 l29,721.:JR 1.00
None None None

Total Assets .................. $ ~.9:J9,982.71

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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

1,247,675.02 941,897.98 84,414.57
268,909.88 72,648.49
33,731.02 None
None 5,000.00 100,000.00 150,000.00 :16,156.30
None

Total Liabilities

2,939,932.71

FORTY-FIFTH ANNUAL REPORT

109

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... $

J tii,li5i.Oi

United States Government obligations, direct and guaranteed .....

!111,1100.1111

Obliga!i'?n.s of States and political
SUbdiVlSIODS . , ......... , , , ,
Other bonds, notes, and debentures

None None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

1%,507.95

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

9,HH2.8R

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

-----

Total Assets .................. $ 4!i9,042.X!i

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

297,99X.91i 74,084.96 None
z~,o!111.n
None
X62.89 None
None None 15,000.00 35,000.00 13,505.:!2 None

Total Liabilities ............... $ 459,042.X5

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS & SOUTHERN NEWNAN BANK .Newnan, Ga.

As called for by the Superintendent of Banks

T. GLENN WARE, President.

B.S. ASKEW, Cashier.

Date of Charter: 2-25-1955

Began BusineRR: 2-25-1955

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection ....
United States Government obligations, direct and guaranteed .....
Obliga!i'?n.s of States and political SUbdlVISlODS , . , . , . , . , .... , , .... ,
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 ..................... .

1,724,165.74 2,979,424.68
808,062.1:1 None
2,625.00 G,519,564.:l9
101,807.12 None
225,000.00 None
G9,717.2~

Total Assets .................. $ 11,425,:lfin.29

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

4,:1:16 '%5. 24 4,737,627.01
67,901.19
529,05R.97 :l25,022.Hl
25,019.90 None
None 4(;3,047.47 800,000.00 400,000.00 Hi5,724.:12
75,000.00

Total Liabilities ............... $ 11,425,Mifi.29

110

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

BAKER COUNTY BANK

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

ALBERT W. BARBER,

0. C. SINDERSINE,

President. Date of Charter: 10-4-1906

Cashier. Began Business: 10-15-1906

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 ..... Obliga~i'?n.s of States and political
SUbdlVlSJOllS .. , .... , .. , ...
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 ..................... .

o42,722.Ji> None None None
None None None

Total Assets .................. $ 1,:n4,r;G7.74

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 outstand ing ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves .............. .

1;4:l,170.5X 2RH,1:lri.411
1,500.110
141.541.11 None
7 ,1;04 .5~ None
None 5,50R.XO 25,000.00 175,0110.00 "2.1, 1 \Hi.'27
None

Total Liabilities . . . . . . . . . . . . . . . $ 1,:l14 ,1;57 .7 4

STATEMENT

Showing condition at the close of business December 31, 1964, of

NICHOLLS STATE BANK Nicholls, Ga.

As called for by the Superintendent of Banks

RALPH G. LOTT, President.
Date of Charter: 12-2-1952

R. E. LOTT,
Cashier. Began Business: 1-2-1953

ASSETS

Cash, balances with other banks, in

eluding reserve balances, and cash

items in process of collection .... $ 21H.~4H.41

United States Government obliga-

tions, direct and guaranteed .....

Obliga~i'?n.s of States and political

subdiVISIOnS ................... .

None

Other bonds, notes, and debentures

None

Corporate stocks (including stock of

Federal Reserve Bank) ......... .

None

Loans and discounts (including over

drafts) ........................ .

l!-JX,7!-Hi.GO

Bank premises owned, furniture and

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

t.:lzo.r;:;

Real estate owned other than bank

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

NorH.""

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

NonL

Customers' liability to this bank on

acceptances outstanding ...... .

NorH~

Other Assets ..................... .

None

-----

Total Assets .................. $

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus .............. .

Undivided profits

Reserves

:~2\-.1,51G.07
493, 752.:l9 9,7RO.O:l
Gfi, 122.GS None
144.1)1; None
Nont 2,0()().(iX 25,000.00 15,0110.00 2X,(i12.G I
Non(

Total Liabilities . . . . . . . . . . . . . . . $ 9()!-1.,99:~.:~~~

FORTY-FIFTH ANNUAL REPORT

111

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE BANK OF NORCROSS Norcross, Ga.

As called for by the Superintendent of Banks

ALLEN M. JOHNSON, President.
Date of Charter: 12-12-1903

J. S. NESBIT, Cashier.
Began Business: 2-1-190.!

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i~n.s of States and political subdtvtstons .................... .
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
pre:t\lises ....................... . Investments and other assets indi-
rectly representing bank premises or other real estate ............. . Customers' liability to this bank on aCceptances outstanding ........ . Other Assets ..................... .

619,:187.51 None
255,2(i0.4G None
IK, 7J:l.17 None
None None None

Total Assets . . . . . . . . . . .. . . . . . . $ 2,119.:l:l~l.R2

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... .
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 ............... .

1,087 ,:1o5. 7H 711,:199.5:1 2,095.00
I G:1,454.H4 None
None None
None 7,09:U2 :o,ooo.oo 1;0,000.00 :;7 .990.H5
None

Total Liabilities

2,119,:l:l9.82

STATEMENT

Showing condition at the close of business December 31, 1964, of
THE BANK OF OCILLA Ocilla, Ga.

As called for by the Superintendent of Banks

JACK WILLIS,

R. 0. PAULK,

President. Date of Charter: 9-20-1956

Cashier. Began Business: 10-1-1956

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed .....
Obliga!i<?n.s of States and political
subdtVISlODS ............. , . , , , .
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 ..................... .

4:J9,024.91i 6Xo,:lOii.l1
None None None 95V,051.27 11,080.90 G,:J6G.'i2
None None None

Total Assets ...... . ........ $ z,101,o2V.%

LIABILITIES Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ................ . Reserve:-. ............. .

1,146,121.2K 5:l4,0GG.7:l 12,508.7:3
160,1:l0.4G None
85,(;21.71 None
None 4,8:JV.89 75.000.00 liO,OOO.OO 2:l,541.11i
None

Total Liabilities ............... $ 2,101,829.%

112

DEPARTMENT OF BANKING

STATEMENT
Showing condition at the close of business December 31, 1964, 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 reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'!n,s of States and political subdtvtstons . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

!iOX,4H5.1Hi 2,062,686.:31;
:57,5()4.5X 25,000.00
None I,Gik,257.69
1:1,12:1.44 None
None None None

Total Assets .................. ~

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 outstand~ ing ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... .
Undivided profits ................ . Reserves ............... .

~.:J2:l,2G9.:J4
1,278,707.14
28,205.0~
2~2.9:)1.12
None
18,725.15 None
None None 100,000.00 200,000.00 (12,547.81 70,7:H.GG

Total Liabilities

4,:J(i5,117.1:l

STATEMENT

Showing condition at the close of business December 31, 1964, of BANK OF OGLETHORPE Oglethorpe, Ga.

As called for by the Superintendent of Banks

JOHN F. WILLIAMS, President.
Date of Charter: 2-5-1901

BLANCHER. WILLIAMS, Cashier.
Began Business: 2-8-1901

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i'!n.s of States and political
SUbdtVlSlODS , ... , , .... , , .....
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 ................. ,

935,885.91 221.057.50 150,965.70 349,937.50
None 979,453.54
15,000.00 1.00
None None None

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

1,016,75~.~5
841,963.16 18,312.70
496,901.84 None
18,445.44 None
None :14,968.82 60,000.00 40,000.00 104,525. 7:l 20,424.fi1

Total Liabilities ..

FORTY-FIFTH ANNUAL REPORT

113

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE FARMERS BANK Palmetto, Ga.
As called for by the Superintendent of Banks

B. HUDSON, President.
Date of Charter: 6-29-1918

C. C. ASTIN, Cashier.
Began Business: 7-10-1918

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash Qo items in process of collection .... r United States Government obliga. tions, direct and guaranteed ..... Obliga~i'?n.s of States and political
subdJVJSJODS ...
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 .................. $

261,0:J9.S:l 339,000.00
17,921.95 270,031.25
None 105,024.55
2.00 None
None None None 993,019.5R

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

642,113.25 181,775.00
5,184.49
46,873.94 None
132.58 None
None None 25,000.00 10,000.00 11,940.32 70,000.00

Total Liabilities ............... $ 993,019.58

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE PATTERSON BANK

Patterson, Ga.

As called for by the Superintendent of Banks

FOSTER O'QUINN,

LEOLA GRINER,

President. Date of Charter: 6-19-1907

Cashier. 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 ..... Obliga~i'?n.s of States and political subdtvtstOns ................... . 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 . . . . . . . . . . . . . . .. . . $

273,332.14 20R,659.01
None None None 254,104.91 2,597.40 None
None None None 738,693.46

Demand deposits . ~-I~~~~-I-~~~~- ... $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i:S of States and political sub-
dtvtstons ....................... . 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 ......................... .

398,316.49 110,878.66
685.00
151,799.39 None
725.52 None
None None 25,000.00 35,000.00 16,288.40 None

Total Liabilities ............... $ 738,693.46

114

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS EXCHANGE BANK OF PEARSON

Pearson. Ga.

As called for by the Superintendent of Banks

J. L. SUMMERLIN,

ROBT. A. SUMMERLIN,

President. Date of Charter: 1-19-1943

Cashier. Began Business: 5-12-1945

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political subdtvtstons .................... .
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 ..................... .

5;7,088.79 889,197.74
None None None 1)94,450.94 :1,552.22 None
None None None

Total Assets .................. $ 2,054,2R9.69

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

866,228.61 728,070.11
38,343.71
162,664.07 100,000.00
2,515.96 None
None 8,481.59 50,000.00 50,000.00 37,985.64 10,000.00

Total Liabilities ............... $ 2,054,289.69

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS BANK OF PELHAM Pelham, r.a.

As called for by the Superintendent of Banks

W. THERON SAULS, President.

JOHN L. CARR, JR. Cashier.

Date of Charter: 8-25-1902

Began Bus!.ness: 9-1-1902

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

691,075.4:J 1,242,149.97
79,410.63 fi00,114.81
None 2,120,378.12
:12,666.79 None
None None 27,099.51

Total Assets .................. $ 4,692,895.26

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ........... . Reserve:-.

1,941,467.27 1,323,902.98
40,656.45
569,627.37 None
135,712.44 150,000.00
None 78,303.n 150,000.00 150,000.00 153,225.02
None

Total Liabilities ..

......... $ 4,692,895.26

FORTY-FIFTH ANNUAL REPORT

115

STATEMENT

Showing condition at the close of business December 31, 1964, of

PELHAM BANKING COMPANY

Pelham, Ga.

As called for by the Superintendent of Banks

J. C. BRIM, President.
Date of Charter: 12-4-1936

WENDELL A. ADAMS, Cashier.
Began Business: 12-8-1936

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .... $ United States Government obligations, direct and guaranteed. . . . . Obliga!i~n.s of States and political subdlVlSlOns . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

263, 733.!\8 618,949.26 204,425.13
None None 1,719,028.11 10,955.00
1.00
45,000.00 None
1,636. 72

Total Assets .................. $ 2,863,728.90

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... De~o~i!" 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 ......................... .

1,239,368.37 947,674.35 32,263.91
310,990.76 None
13,804.73 None
None 150.95 100,000.00 150,000.00 44,842.30 24,633.53

Total Liabilities ............... $ 2,863,728.90

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE PEMBROKE STATE BANK Pembroke, Ga.
As called for by the Superintendent of Banks

H. B. WARNELL, President.
Date of Charter: 12-29-193'i

E. B. MILES, Cashier.
Began Business: 2-11-1938

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~n.s of States and political
subdlVlSlOnS ....... , . , .... , . , .. , 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 ..................... .

473,119.00 743,786.02
10.000.00 None None
813,895.38 9.305.00 None
None None ;J1,050. 74

Total Assets .................. ~ 2,081,156.14

LIABILITIES Demand deposits .................. $ Time deposits ....................
Deposits of U. S. Government..... . De~o~i!" of States and political sub-
dlvlslons .................... 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 ......................... .

939,471.28 671,833.94
19,786.69
187,876.04 None
35,385.28 None
None 54,093.94 75,000.00 70,000.00 27.708.97
None

Total Liabilities ............... $ 2,081,1?6.14

116

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

PERRY LOAN & SAVINGS BANK

Perr7, Ga.

As called for by the Superintendent of Banks

G. OGDEN PERSONS, II,

M. M. DEAN,

President.

Cashier.

Tmte of Charter: 8-20-1889

Began Business: 1889

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government oblig"" tions, direct and guaranteed .. ...
o~~t~~~~~i~n~f- -~~t~~- -~~~. :.o.l~ti~~~
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 . . . . . . . . . . . . . . . . . . . . . .

1,654,501.01 1,529,999.56
436,927.43 None None
2,412 ,613 _2R
60,000.00 2.00
None None 8,262.07

Total Assets .................. $ 6,102,305.:35

LIABILITIES .
Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ................... .

2,663,163.07 1,103,336.60
113,436.73
1,503,325.19 None
8,083.33 None
None 4,000.00
~00,000.00
200,000.00 306,960.43
None

Total Liabilities ............... $ 6,102,:105.35

STATEMENT

Showing condition at the close of business December 31, 1964, 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, in-

cluding reserve balances. and cash

items in process of collection .... $ 31:1,687.48

United States Government obliga-

tions, direct and guaranteed .....

357,446.72

Obliga!i'?n.s of States and political subdtvtsiOns ................... .
Other bonds, notes, and debentures

None 190,000.00

Corporate stocks (including stock of Federal Reserve Bank) ......... .

None

Loans and discounts (including over-

drafts) ........................ .

:316,480.85

Bank premises owned, furniture and

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

10,G21.44

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

-----

Total Assets ................. . 1,188,236.49

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 account of this bank and outstand-
ing ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves .....

759,fl0~.0:l
225,576.12 4,619.22
64,146.83 10,000.00
9,216.25 None
None 10,076.04 25,000.00 25,000.00 55,000.00
None

Total Liabilities . . . . . . .......$ 1,188,2:36.49

FORTY-FIFTH ANNUAL REPORT

117

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK

Pine Mountain, Ga.

As called for by the Superintendent of Banks

ROY ASKEW, President.

W. K. JENKINS, ' Cashier. -

Date of Charter: 3-22-1909

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 ..... Obliga~i~n.s of States and political
subdtvlstons .................... .
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(;,695.07 727,7GI.51 325,421.32 250,000.00
None 1,155,:l:J:l.25
:1,801.00 1,500.00
None None None

Total Assets . . . . . . . . . . . . . . . . . . $ 8,080,512.15

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvisions ....................... . 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,:146,895.72 988,237.88 5,199.15
:195,981.91 None
10,213.98 None
None 707.58 100,000.00 100,000.00 l:l:l,325.98 None

Total Liabilities ............... $ :1,080,512.15

STATEMENT

Showing condition at the close of business December 31, 1964, of

PI'M'S BANKING COMPANY
Pitts, Ga. As called for by the Superintendent of Banks

A. C. SHELL, President.
Date of Charter: 6-2-1906

ED.WIN W. SHELL, Cashier.
Began Business: 6-1906

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s 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 .................. $

275,2:10.39 275,800.00
None 210,000.00
None 225,681.78
801.00 None
None None None 987 ,4f;!J.I7

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 account of this bank and outstand-
ing ............................ .
Other liabilities .................. . Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves ......................... .

437,176.78 296,541.07
4,552.89
160,426.54 None
987.27 None
None None 25,000.00 25,000.00 15,000.00 22,778.62

Total Liabilities ............... $ 9~7,4(;8.17

118

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE BANK OF QUITMAN

Quitman, Ga.

As called for by the Superintendent of Banks

JESSE F. JONES, President.
Date of Charter: 12-26-1888

A. C. LOWE, Cashier.
Be~ran Business: 12-31-1888

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i'?~s of States and political
subdtVISIODS ....................
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 ..................... .

(i07,212.54 1,151,193.45
zr;0,1o0.9:J None None
1,4fi0,805.57 2R,2:32.14 None
None None 30,579.B9

Total Assets .................. $ :l,5:1R, l84.fi2

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

1 ,G9:l, 7 9 9 . 8 7 932,788.79 16,665.73
416,488.51 10,112.59
14,294.82 None
None 20,32fi.O:l 100,000.00 100,000.00 10:l,l2S.29 l:W,57H.B9

Total Liabilities ............... $ :l,fi:lR,\84.52

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE TATTNALL BANK Reidsville, Ga.
As called for by the Superintendent of Banks

RALPH HUCKABEE, President.
Date of Charter: 9-14-1900

E. B. REGISTER, Cashier.
Began Business: 10-22-1900

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<?n.s of States and political
subdiviswns . . . . . . . . . . . . . . . . . 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 . . . . . . . . . . . . . . . . . . . . . .

348,514.40 1,165,889.50
253,088.05 None None
1,:l29,653.84 427.25
fi,OOO.OO
None None 5,244.45

Total Assets

............ $ 8,108,:l12.49

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtVISions ....................... . 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 ............ . Reserve:-:;

1 ,880, 120.4o 923,728.5:l 26,812.48
389,311.89 41,951.6:l
14,522.30 None
None None 100,000.00 175,000.00 !i6,865.18 None

Total Liabilities

....... $ 3,108,312.49

FORTY-FIFTH ANNUAL REPORT

119

STATEMENT

Showing condition at the close of business December 31, 1964, 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 States Government obligations, direct and guaranteed.....
O~~~d~~i~i~n~f .~~~tes .~~d ..~~l~~i~~.l
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 . . . . . . . . . . . . . . . . . . . . . .

187,914.2() 2:l4,070.:ll
None None None t.42,651.f;2 1,622.09 4,505.00
None None 902.0t.

Total Assets .................. $ 1,071,665.:l4

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . DeJ!o~i?' 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 ......................... .

522,354.89 285,134.82
2,456.25
1:l5, 746.27 None
None None
None Nonp 50,000.00 50,000.00 15,973.11 10,000.00

Total Liabilities ............... $ 1,071,665.:l4

STATEMENT

Showing condition at the close of business December 31, 1964, of THE CITIZENS STATE BANK Re:ynolda, 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, in-
cluding reserve balances, and cash items in process of collection .... United States Government obliga. tions, direct and guaranteed ..... Obliga!i'?n.s 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 ................. .

757,877.1:l 378,742.97 250,938.58
None None 1,7!;4,960.06 8,538.75 None
None None 4,081.08 3,165,138.57

LIABILITIES

Demand deposits ................. $

Time deposits .................... .

Deposits of U. S. Government ..... .

DeJ!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

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

1,242,573.63 1,140,286.05
659.52
376,905.30 85,967.21;
11,748.40 None
None 6,000.00 100,000.00 100,000.00 25,000.00 75,998.41

Total Liabilities .............. $ :ur;5,13R.fi7

120

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
WILLIAMS BANKING COMPANY Rhine, Ga.

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-

cluding reserve balances, and cash items in process of collection .... $

99,862.56

United States Government obligations, direct and guaranteed .....

633,950.43

Obliga~i'?n,s of States and political
SUbdiVlSIOllS , , , , ..
Other bonds, notes, and debentures

None None

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

204,579.01

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

1,693.4 7

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

----

Total Assets .................. $

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

370,837.22 347,005.37
2,653.31
72,074.94 None
562.73 None
None 600.00 25,000.00 75,000.00 46,352.80 None

Total Liabilities ............... $ 940,086.37

STATEMENT

Showing condition at the close of business December 31, 1964, of

RICHLAND BANKING COMPANY Richland, Ga.

As called for by the Superintendent of Banks

E. W. PARISH, SR., President.
Date of Charter: 10-13-1927

E. W. PARISH, JR., Cashier.
Began Business: 10-15-1927

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .....$
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political subdtvtstons ................ .
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 ..................... .

278,727.41 595,938.82
22,891.58 360,000.00
164,524.,42 14,448.00 None
None None None

Total Assets .................. $ 1,436,530.~:;

LIABILITIES
Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtstons ....................... . Deposits of banks ................. .
Other deposits (certified and officers' checks, etc.) ................... .
Bills payable .................... .
Acceptances executed by or for account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves ................... .

802,543.38 329,099.95
17,917.80
105,174.94 31,338.00
10,431.56 None
None 24.60 40,000.00 60,000.00 40,000.00 None

Total Liabilities ...............$ 1,436,530.23

FORTY-FIFTH ANNUAL REPORT

121

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF RINGGOLD Ringgold, Ga.

As called for by the Superintendent of Banks

HERMAN B. TUCKER, President.
Date of Charter: 8-26-1904

AMALEE C. YATES, Oashier.
Began Business: 8-1904

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed.....
Obliga!i~n.s 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 . . . . . . . . . . . . . . . . . . . . . .

451,189.11 1,166,815.38
143,064.38 479,112.25
None 1,037,067.84
10,314.74 1.00
None None 3, 701.25

Total Assets .................. $ 3,291,2fi5.95

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 outstand-
ing ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ......................... .

1,562,852.19 1,044,5!2.23
48,674.07
:Jn5,568.16 None
4,057.98 None
None 1,006.80 100,000.00 100,000.00 64,594.52
None

Total Liabilities ............... $ 3,291,265.9!)

STATEMENT

Showing condition at the close of business December 31, 1964, 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 ..... Obliga!i~n.s 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 ..................... .

407,825. 7:l 307,730.48
23,926.26 244,562.50
None 389,055.64
4,965.85 None
None None None

Total Assets .................. $ 1,378,066.41;

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves ......................... .

610,976.98 412,390.03
None
250,354.80 None
2,505.09 None
None 1),000.00 50,000.00 45,000.00 1,839.56
None

Total Liabilities .............. $ 1,!l7R,Of;6.4f.

122

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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, balances with other banks, inM
eluding reserve balances, and cash $ items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i'?n_s of States and political
subdJVlSIODS , , ........ , .
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 ..................... .

488,652.41 259,982.21
26,580.75 197,144.:18
None 513.096.52
4,040.97 None
550.80 None None

Total Assets .................. $ 1,490,048.04

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 outstand-
ing ............................ . Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves .................. .

77 4,680.68 412,048.57
23,184.10
I :13,402.83 None
:1,129.50 None
None 11,542.66 50,000.00 50,000.00 32.059.70
Nmw

Total Liabilities ............... $ I ,490.048.04

STATEMENT

Showing condition at the close of business December 31, 1964, of THE ROCKMART BANK Rockmart, Ga.

As called for by the Superintendent of Banks

GEO. H. SCOTT, President.
Date of Charter: 10-30-1900

JAMES E. WHITE, Cashier.
Began Business: 1900

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga!i'!n.s of States and political subdlVlSlOllS , . , , .. , . , , , .... , . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

fi01,714.0;)
1,204,454.:iH
605,365.45 :J30,0:l0.25
None
:~.292 , 327 .SO
49,691.85
None
None None 13,434.72

Total Assets ................. .

6,097,019.08

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits ................ .

Reserves

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

2,202,616.89 :1,037,081.00
46,694.65
210,541.5:1 None
9,928.24 None
None 51,703.82 150,000.00 150,000.00 169,192.13 69,260.82

Total Liabilities ............. . 6,097,019.08

FORTY-FIFTH ANNUAL REPORT

123

STATEMENT

Showing condition at the close of business December 31, 1964, 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 banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political
SUbdiVISIODS , .. , , ............ , . , ,
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,:l22,97:l.:n 4,060,754.79 ],570,437.'94
110,000.00 None
4,247,659.311 12,989.78 None
210,000.00 None
41,165.59

Total Assets . . . . . . . . . . . . . . . . . . 11,575,980.73

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtsions ....................... . Deposits of banks ................. . Other deposits (certified and officers'
checks, ete.) ................... . Bills payable ..................... .
Acceptances executed by or for account of this bank and outstand~ ing ............................ .
Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ................. .

4,790,R05.64 4,253,144.21
248,989.90
1,226,144.4:l 36,518.25
45,958.19 None
None None 352,000.00 200,000.00 2,429.99 419,990.12

Total Liabilities ............... $ 11,575,980.73

STATEMENT

Showing condition at the close of business December 31, 1964, of ROSSVILLE BANK

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

J AS. H. PALMER, President.
Date of Charter: 7-1-1963

KENNETH H. RAYBORN, Cashier.
Began Business: 12-13-1963

ASSETS

Cash, balances with other banks, in-

eluding reserve balances, and cash items in process of collection .... $ !i64,489.24

United States Government obligations, direct and guaranteed .....

787,619.21

Obliga~i?n.s of States and political subdiVISIOnS , . , ........ , , . , . , . , .
Other bonds, notes, and debentures

None None

Corporate stocks (including stock of Federal Reserve Bank) ......... .

None

Loans and discounts (including overdrafts) ........................ .

X07,149Ji6

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

151,849.40

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............ .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .

16,121.91

-----

Total Assets ................. . 2,427,229.42

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

I ,318,041.12 420,167.71 60,375.92
256,059.00 None
14,774.82 None
None 51,852.20 250,000.00 50,000.00
5,958.65 None

Total Liabilities .............. $ 2,427,229.42

124

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

ROSWELL BANK Roswell, Ga.
As called for by the Superintendent of Banks

WALTER A. EAVES, President.
Date of Charter: 3-1-1901

J. A. MOSTELLER, Cashier.
Began Business: 3-1901

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.....
Obliga!i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

!:JOS,766.S4 1,780,860.20
776,228.:J2 300,181.25
None 5,31:l,199.80
59,584.90 None
None None 32,027.77

Total Assets .................. $ 9,170,H49.0R

LIABILITIES
Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government ..... . DeJ!O~i!s of States and political sub4
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 ............... .

:J,342,7H6.61 3,893,916.72
94,719.49
487,708.76 337,010.36
89,859.16 None
None 174,737.52 150,000.00 250,000.00 125,110.46 225,000.00

Total Liabilities .............. $ 9,170,849.0H

STATEMENT

Showing condition at the close of business December 31, 1964, of
TRI-COUNTY BANK OF ROYSTON Royston. Ga.

As called for by the Superintendent of Banks

LAWSON McCONNELL, President.
Date of Charter: 8-9-1941

JOE E. RIDGWAY, Cashier.
Began Business: 9-1-1941

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s 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 ................. .

l,fi2G,482.(ifi 1,14X,707.13
None None I ,4H7 ..ll f5.52
27,000.011
None None None 4,\147.404.111

LIABILITIES

Demand deposits ................. .

Time deposits .................... .

Deposits of U. S. Government ..... .

DeJ!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 .................. .

C'!pital ......................... .

Surplus ......................... .

Undivided profits

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

Re;;;erves

~.175,:150.77
1,91R,549.72 34,701.6\l
4G:J,05H.x9 None
~Hi.75
None
None :JH, 71:!.47 100,000.00 150,000.011 !;!;,940.Hl
Nont'

Total Liabilities

......... ~ 4,947.4114.111

FORTY-FIFTH ANNUAL REPORT

125

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF RUTLEDGE

Rutledge, Ga.

As called for by the Superintendent of Banks

J. M. GRIFFIN, President.
Date of Charter: 9-24-1898

W. E. OXFORD, Cashier.
Began Business: 10-1-1898

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i~n.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 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)49,494.66 17,005.09 G5.000.00 None
727,995.:ll
None
None None None 1,547 .30:Lsr:

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

5:13,49:1.4 7 r:o7,705.14
7,48:J. 77
225,601.93 None
I ,238.11 None
None None 50.000.00 50,000.00 65,891.3:1 5,Bk\LX1

Total Liabilities .............. ~ 1,547,:10:1.51;

STATEMENT
Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed .....
Obliga~i'?n.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 ..................... .

445,292.50 None
911.000.00 None
94:1.909.88 42,1:12.92 18,577.0\J None
None 2,526.11

Total Assets .................. $ 1,992, 722.2:1

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 ................ . Regerves ......................... .

79G,7!i4.87 545,838.51 126,290.2i
254,347.\12 None
11,968.71 None
None 78,708.97 50,000.00 120,000.00
8,832.98 None

Total Liabilities ............... ~ 1,992, 722.2:1

126

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
ST. SIMONS STATE BANK St. Simona Island, Ga.
As called for by the Superintendent of Banks

E. R. BUFKIN, President.
Date of Charter: 4-24-1950

E. T. BOYD,
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 obligations, direct and guaranteed ..... Obliga!i~n.s of States and political
subdJVlSIODS . , , ..
Other bonds, notes, and debentures Corporate stocks (including stock of
Federal Reserve Bank) .......... . Loans and discounts (incluQing 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 ..................... .

45R,046.79 ~7 ,R59.:l5
200,000.00 None
1 ,4fA.XS7.59 19,955.6X 12,H29.fi7
:J,:l77.54 None
1,440.:l2

Total Assets .................. $ 2,t>:l2,057.79

LIABILITIES
Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtslons ....................... . 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 .............. .

1,2:l4,94U.3U
7R5,0:~0.fHi 52,X71.f;;~
205,:!97.75 121 ,910.2(;
2f;,OR6.l:l None
None 32,308.2(; 75,000.00 70,000.00
8,512.54 20.000.00

Total Liabilities ............... $ 2.<;:J2,057.7!l

STATEMENT
Showing condition at the close of business December 31, 1964, of THE GEO. D. WARTHEN BANK SandenYille, Ga.

As called for by the Superintendent of Banks

C. FINDLAY IRWIN, SR., President.

JOHN D. EVERETT, Cashier.

Date of Charter: 3-18-1967

Began Business: 3-18-1957

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash
it'ems in process of collection .... $ United States Government obliga-
tions, direct and guaranteed. . . . . Obliga!i~n.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 . . . . . . . . . . . . . . . . . . . . . .

l,li7X,fiXK.fi5 2, 7t;2,R411.04
580,(;75.9~
55,100.00 None
2, 7:l2,449.87 1t.J. 71 :;.40 None
None None None

Total Assets ................. . 7,971,4fi7.R9

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

......... .

Reserves

4,H4X,2G(i.5:~ 1.5~R.2X7.:l5
128,8:l\J.:J:l
G:l9,150:d:J None
17,145.22 None
None None 200,000.011 200,000.011
2:{\-l,77H.5:~
None

Total Liabilities . . . . . . . . ..... $ 7,n1,467.X~I

FORTY-FIFTH ANNUAL REPORT

127

STATEMENT

Showing condition at the close of business December 31, 1964, of
BANK OF SARDIS Sardis, Ga.
As called for by the Superintendent of Banks

W. H. SMITH,
President. Date of Charter: 4-27-1945

L. F. BARGERON, Cashier.
Began Business: 7-2-1945

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection ....$ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
SUbdtVISlOOS , ..
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 .................. $

223,055.21 316,081.89
5,000.00 100,000.00
None :10R,501.:J4
4,474.!i0 None
None None None 957,11:1.04

LIABILITIES Demand deposits ..................$ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

322,150.21i 299,700.20
1,917.74
197,823.4 7 10,907.68
5,043. 72 None
None 17,266.44 25,000.00 50,000.00 27 ,~0:).5:1
None

Total Liabilities

957,ll3.04

STATEMENT

Showing condition at the close of business December 31, 1964, of ATLANTIC SAVINGS AND TRUST COMPANY Suamaah, 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-
cluding reserve balances. and cash items in process of collection .... ;j;
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . . . . . . . . . .

197,193.:~5
1,085,14:1.11 161 ,8:)(-).45 114,000.00 None
2,1l22,579.7X 6X,84R.5fi 1. 00
None None 1,6:10.9R

Total Assets .................. $ 4,150,783.22

LIABILITIES
Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

None :),074,582.78
None
:140,000.00 10,000.00
14,:196.70 None
None 9:14.90 100,000.00 400,000.00 210,81R.84 None

Total Liabilities ............... $ 4,11l0,7:l:l.22

128

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CARVI!at STATE BANK Savannah, Ga.

As called for by the Superintendent of Banks

L. D. PERRY, President.
Date of Charter: 4-29-1947

C. BERNARD NICHOLS, Cashier.
____ __]3eg~n Business: 6-4-1947

ASSETS
Cash, b!>lances with other banks, inclu~'tlg reserve balances, and cash ite in process of collection .... $
Ul,lite~ States Government obligations, direct and guaranteed .....
Obliga!i<?n.s of States and political subdtvtstons .................... .
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 ..................... .

2X5,145.12 558,134.58
71,621.~14
100.000.00 None
~1o,544.97
4:l,X7:l.12 None
NonE' None 975.88

Total Assets .................. $ 1,R6R,29fi.Gfi

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

22X,G24.1:l 1,1:l2,60G.21
None
194,0G:l.90 12.000.00
19,:lR:J.7X None
None 11,275.:Hl 150,000.00 55,720.00
z4o4,,r1;o2o2..o1o5

Total Liabilities .............. $ l,XGX.295.fifi

STATEMENT

Showing condition at the close of business December 31, 1964, 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 Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Governm<mt obligations, direct and guaranteed.....
Obliga!i'?n.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 indirectly representing bank premises or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

12;1,()25.'2'2 150,000:JO 411 ,fj:34.k;{
None 1.00
'2,X1)4,G51.49 7o,fili:l.ll 1.00
None None 250.00

Total Assets .................. $ :l,l>25,72fi.li5

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 outstand-
ing ............................ . Other liabilities .................. . Capital .......................... .
Surplus .................. . Undivided profits
Reserves

172.:12 2.742.RKI:.fl7
8:Jo.:J9
liO.no.7D 10,000.JO
5,89:l.41i None
None 6,588.77 300,000.00 300,000.00 198.621.85
None

Total Liabilities ...... .

... $ :1,1i25, 721i.G5

FORTY-FIFTH ANNUAL REPORT

129

STATEMENT

Showing condition at the close of business December 31, 1964, 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 reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdJvtstons . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

5?g,149.50 771,:351.51-i 1 ,00!l,GK4.45
None None
H,14~l,947.5!l 108,927.2X 21,97S.:i2
None None None

Total Assets ................. $ 10,o:l4,9:l5.70

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

None 9,119:l,432.5H
None
294,124.18 55,000.00
2,:lll. 7 4 None
None 91,591.H:J 325,000.00 450,000.00 283,4 75.37 911,000.011

Total Liabilities ............... $ 10,o:l4,!J:l5.711

STATEMENT

Showing condition at the close of business December 31, 1964, of
INDUSTRIAL BANK OF SAVANNAH Savannah, Ga.

As calll'fl for by 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-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations. direct and guaranteed.....
Obliga!i'?n.s of States and political subdlVlSlOnS . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

271,2ti:3.41 615,531.21i 17:1,987.45
None None 1,42ii,992.21 :J:l,006.07 10,210.(ili
None None 8,00G.fi2

Total Assets .................. $ 2,5:J9,017.1:X

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... .
Surplus ......................... . Undivided profits ................ .
Reserves . . . . . ................. .

41H,:J01.54 1,361,711.51
None
242,724.91 None
16,630.72 None
None 157,057.01 150,000.00 100,000.00
84,064.47 8,527.52

Total Liabilities .............. $ 2,5'l9,017.1iH

130

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
SAVANNAH BANK AND TRUST COMPANY OF SAVANNAH Savannah, Ga.
As called for by the Superintendent of Banks

MALCOLM BELL, JR., 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, and cash

items in process of collection .... $ 12,594,H02.1 il

United States Government obliga-

tions, direct and guaranteed..... 11,1 fiH,a~I.X;{

Obliga!i'?n.s of States and political

subdiVISIOns . . . . . . . . . . . . . . . . . . . . . 4,20X,672.04

Other bonds, notes, and debentures

205,X()l.:-Hl

Corporate stocks (including stock of

Federal Reserve Bank)...........

124,500.011

Loans and discounts (including over-

drafts) . . . . . . . . . . . . . . . . . . . . . . . . . :J2,02:l,H40.7H

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

~59,004.71

Real estate owned other than bank

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

41,900.:12

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

17,000.00

Other Assets . . . . . . . . . . . . . . . . . . . . . .

5ii5,828.25

Total Assets .................. $ n1,H10,R01.48

LIABILITIES

Demand deposits . . . . . . . . . . . . . . . . . . $ 27,:l20,0t;:l.O~

Time deposits .................... . 21,174,2:ll.OII

Deposits of U. S. Government ..... . De~o~i!" of States and political sub-

1,012,564.12

diviSions ....................... . 2,805,842.72

Deposits of banks ................. . 2,:l03,815.76

Other deposits (certified and officers'

checks, etc.) ................... .

4:l:l.~20.(;4

Bills payable ..................... .

None

Acceptances executed by or for ac-

count of this bank and outstand-

ing ............................ .

17,000.00

Other liabilities .................. . 1,89:!,091.09

Capital .......................... . 1,(;50,000.00

Surplus .......................... . 2,500,000.00

Undivided profits ................ . l,OR8,514.14

Reserves ................. .

112,:l5H.92

Total Liabilities ............... $ I;J.HliJ,X01.4X

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK OF SENOIA Senoia, Ga.

As called for by the Superintendent of Banks

SAMPSON D. KIDD, JR., President.
IJate of Charter: 3-2-1874

HATTIE S. WHATLEY, Cashier.
Began Business: 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 ..... Obliga!i'?n.s 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 ..................... .

108,779.88 79!l,X42.28
4.200.011 NonP Norw
~X.227.5X
None
Non to None 855.24

Total Assets .................. $ 1,426,37\1.21;

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

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

Reserves

5GU,5o:-L 14 (i45,(i43.(J2
6,790.98
84,1f;:J.2!J None
:~.15~.fi()
Noru_
Non0 20,84!1.61 30,000.011 55,000.00 20,26!;.12
None

Total Liabilities

........ $ 1,42G,!l71UI;

FORTY-FIFTH ANNUAL REPORT

131

STATEMENT

Showing condition at the close of business December 31, 1964, of

FIRST STATE BANK

Shellman, Ga.

As called for by the Superintendent of Banks

J. W. WALKER, President.
Date of Charter: 12-31-1958

J. W. CURRY, Cashier.
Began Business: 1-2-1959

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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.: rectly representing bank premises or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . . Other Assets . . . . . . . . . . . . . . . . . . . . . .

~00,1:ll.~7 709,642.511
None 25,104.16
None
1,037,506.65 4,907.:16 None
None None 3,013.84

T:otal Assets .................. $ 2,080,306.38

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
dtvtsions ....................... .
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,:159,280.85 321,730.16 11,120.97
124,664.68 None
53,897.18 None
None 6,500.00 50,000.00 75,000.00 78,112.54
None

Total Liabilities ............... $ 2,080,30(L:Jg

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF SMYRNA

Smyrna, Ga.

As called for by the Superintendent of Banks

HARRY L. HOLLIDAY, President.
Date of Charter: 4-4-1946

WINSTON C. BURGER, Cashier.
Began Business: 8-5-1946

ASSETS Cash, balances with other banks, in.
eluding reserve balances. and cash items in process of collection .... $ United States Government obligations, direct and guaranteed. . . . .
Obliga!i?n.s of States and political subd1V1010ns . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,420,119.68 2,288,927.37 1,318,329.85
625,046.88 None
4,097,869.30 83,87 5.43 None
65,312.50 None
11,829.71

Total Assets .................. $ 9,911,310.72

LIABILITIES Demand deposits ................. . Time deposits .................... .
Deposits of U. S. Government..... . De~o~i~ of States and political sub-
dtvtstons ....................... . 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 ......................... .

5,293,822.25 2,902,293.83
88,253.62
707.792.08 None
21,597.32 None
None 241,512.59 275,000.00 175,000.00 167,051.87
38,987.16

Total Liabilities ............... $ 9,911,310.72

132

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.....
o~~~~~~~~~n~f. -~~~tes -~~~. -~~l~~i~~-1
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 . . . . . . . . . . . . . . . . . . . . . .

240,323.7;; 550,GC.I.:Jii
17,000.00 liO,IJIJO.IJO
None
1,1H2,247.0~
24,24:3.1 II None
None None 6,208.08

Total Assets .. , , ........... , , , $ 2,070,683.30

* LIABILITIES
Demand deposits .................. Time deposits .................... . Deposits of U. S. Government ..... . DeJ:!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 ............ , ..... .

777 ,:J45.41J G78,85:l.07
26,0Hi.R5
:104,517.2~ 5~.~fi(i.fi()
G,X51.~7
Non<
None 50.991.11 50,000.00 75,000.00 49,841.81
Nonp

Total Liabilities ........ , ...... $ 2,070,683.30

STATEMENT

Showing condition at the close of business December 31, 1964, 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: 1903

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
o~~t~!~~~i~n~f _st_a_t~~. -~~~. -~litical
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 . . . . . . . . . . . . . . . . . . . . . .

861,565.56 1,127,751.7fi
413 964 _93 549,881.25
25,000.00 2,076,249.72
20,324.05 1.00
None None 2,356.93

Total Assets ................ .. 5,077,095.20

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government ..... . DeJ:!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 ................ .
ReserveR ...... .

2,224,957.43 1,898,494.18
44,357.65
474,477.22 None
10,767.75 None
None 100,246.44 100,000.00 100,000.00 123,794.53
None

Total Liabilities ...

........ $ 5,077,095.20

FORTY-FIFTH ANNUAL REPORT

133

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF HANCOCK COUNTY Sparta, Ga.

As called for by the Superintendent of Banks

S. H. HOLLIS, President.
Date of Charter: 10-18-1904

WM. W. ARCHER, Cashier.
Began Busin~ss: 9-5-1904

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~n.s 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 . . . . . . . . . . . . . . . . . . . . . .

503,599.4:1 858,311.96 434,880.81 249,937.50
None 2,127,711.49
13,955.R:l 1.00
None None None

Total Assets .................. $ . 4,1 RR,~9R.02

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

1,136,181.57 2,054,687.73
24,377.50
592,265.12 None
10,093.23 None
None None 100,000.00 100,000.00 120,792.87 50,000.00

Total Liabilities ............... $ 4.1RR,39R.02

STATEMENT

Showing condition at the close of business December 31, 1964, 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, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
o~~t~~~~~~n~f -~t~tes_ -~~~. :.~litical
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 premise~ or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

599,674.Rii 938,093.00 521,914.35 200,000.00
None 1,636,785.97
li5,068.58 None
None None None

Total Assets .................. $ 3,961,536.7fi

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 account of this bank and outstanding ............................ .
Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves ......................... .

1,295,94 7.50 2,061,147.07
1,970.70
310,471.49 5,000.00
None None
None None 100,000.00 100,000.00 87,000.00 None

Total Liabilities ............. $ 3,961,536. 76

134

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF STAPLETON Stapleton, Ga.

As called for by the Superintendent of Banks

J. C. KILGORE, President.
Date of Charter: 3-20-1916

J. C. KILGORE, Cashier.
Be~ran Business: 1916

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 576,786.41

United States Government obliga-

tions, direct and guaranteed .....

585,955.00

Obliga~i'?n.s of States and political
SUhdlVISlODS .... ,-, , ,
Other bonds, notes, and debentures

190,065.90 260,052.34

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ .

438,010.74

Bank premises owned, furniture and

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

5,660.40

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other Assets . . . . . . . . . . . . . . . . . . . . . .

None

----

Total Assets . . . . . . . . . . . . . . . . . . 2,056,530. 79

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 .................... .

1,217,646.80 391,716.13 3,567.05
271,269.14 None
6,392.82 None
None None 50,000.00 70,000.00 45,938.85 None

Total Liabilities ............... $ 2,056,530. 79

STATEMENT

Showing condition at the close of business December 31, 1964, of

BULLOCH COUNTY BANK Stat..sboro, 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~
eluding reserve balances, and cash items in process of collection.... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s 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 . . . . . . . . . . . . . .

1,163,023.6H 2,346,947.48
852,058.28 None None
8,077,802.02 124,890.55 None
None None 3,304.00

Total Assets ................. .

7,568,026.01

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ .
ReRerveH

3,769,650.12 1,627,849.89 .120,286.98
1,320,393.40 52,563.00
39,588.63 None
None 35,212.15 200,000.00 300,000.00 52,481.84 50,000.00

Total Liabilities ............... $ 7,568,026.01

FORTY-FIFTH ANNUAL REPORT

1::!5

STATEMENT

Showing condition at the close of business December 31, 1964, 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 items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
o~~~d~~~~~n~f..~~~tes .~~d ..~~l~~i~~~
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 . . . . . . . . . . . . . . . . . . . . . .

2,063,166.91 1,848,240.24
567,274.95 50,000.00
None
4,775,773.35 87,864.58 None
None None 8,734.37

Total Assets .................. $ 9,401 054.40

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . De~o~i~ of States and political sub-
dJvasions ....................... .
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 ......................... .

5,075,038.24 1.888,466.38
86,910.60
1,058,142.40 380,97 4.1S
86,341.12 None
None None 150,000.00 500,000.00 123,760.46 51,421.07

Total Liabilities ............... $ 9,401,054.40

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE FIRST STATE BANK

Stockbridge, Ga.

As called for by the Superintendent of Banks

J. T. MAYS, JR., President.
Date of Charter: 9-21-1964

PAUL B. CHRISTENBURY, Cashier.
Began Business: 10-8-1964

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga!i'!n.s 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 .. .. .. .. .. .. .. .. .. $

109,43..1.<J9 222,103.0S
None 75,411.36
None 215,926.94
4,000.18 None
12,000.00 None
1,413.50 640,288.10

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 account of this bank and outstanding ............................ .
Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves ......................... .

185,525.17 54,056.20 10,962.28
170,512.62 None
None None
None 30,560.12 100,000.00 50,000.00 38,671.71
None

Total Liabilities ............... $ 640,288.10

136

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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-

cluding reserve balances, and cash

items in process of collection .... $ 222,400.42

United States Government obliga-

tions, direct and guaranteed .....

782,146.24

Obliga~i'?":s of States and political

SUbdtVlSIODS .

77,030.47

Other bonds, notes, and debentures

150,222.95

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ . 1,325,637.90

Bank premises owned, furniture and

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

2,614.07

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

50,000.00

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

-

12,246.34
---

Total Assets .................. $ 2,622,298.39

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

1,331,175.77 766,393.52 23,146.91
143,571.26 None
18,347.80 None
None 127,615.90 100,000.00
50,000.00 57,801.10
4,246.18

Total Liabilities . . . . . . . . . . . . . . . $ 2,622,298.39

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS & MERCHANTS BANK Summerville, Ga.

As called for by the Superintendent of Banks

D. L. McWHORTER,

JAMES F. KING,

President.

Cashier.

Date of Charter: 2-5-1926

Began Business: 2-6-1926

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed.... .
Obliga!i'?n.s of States and political subdtvtstons . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,265,061.65 3.020,386.30
962,389.20 250.062.50
None 2,762,903.RO
20,000.00 None
None None 6,559.12

Total Assets .................. $ 8,287,362.57

LIABILITIES

Demand deposits .................. $

Time deposits .................... .

Deposits of U. S. Government ..... .

De~o~i!" of States and political sub-

dlvlslons ....................... .

Deposits of banks ................. .

Other deposits (certified and officers'

checks, etc.) ................... .

Bills payable .................... .

Acceptances executed by or for a'C-

count of this bank and outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits ................ .

Reserves

......... .

4,820, 704.12 1,662,725.65
109,378.00
747,773.27 None
85.890.39 None
None 8,000.00 200,000.00 500,000.00 25,000.00 177.H91.14

Total Liabilities ............... $ 8.287.362.57

FORTY-FIFTH ANNUAL REPORT

137

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CENTRAL BANK

Swainsboro, Ga.

As called for by the Superintendent of Banks

SAM J. OVERSTREET,

JAS, S. BAZEMORE,

President. Date of Charter: 10-27-1920

Cashier. Began Business: 11-9-1920

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ....

990,754.47

United States Government obliga~

tions, direct and guaranteed .....

710,485.08

Obliga~i~n.s of States and political

subdtVlSIOTIS .... , , ...

205,99:l. 75

Other bonds, notes, and debentures

300.000.00

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ........................ . 1,9H4.XO:l.47

Bank premises owned, furniture and

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

!59,432.99

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on acceptances outstanding ........ .

None

Other

Assets

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

None
-----

Total Assets . . . . . . . . . . . . . . . . . . 4,251,469. 76

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

1,81X,840.:l4 1.473,060.84
65,631.82
388,184.81 167,469.10
26,453.75 None
None 15,000.00 100,000.00 175,000.00 21,829.10
None

Total Liabilities . . . . . . . . . . . . . . . $ 4.251,4fi9. 7fi

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE CITIZENS BANK OF SWAINSBORO Swainsboro, Ga.
As called for by the Superintendent of Banks

H. C. EDENFIELD, President.
Date of Charter: 11-10-1900

JAMES R. SMITH, Cashier.
Began Business: 1900

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~n.s 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 ..................... .

l.O:l2,60:l.19 l,:J:l4,:J:l:J.75
808,661.15 None None
3.(i71,548.48 111,57:l.J:l None
None None 7,453.10

Total Assets ................. . 6,466,172.80

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 ................ .
Regerves ................ .

2,580,867.8(; 2,250,920.0:1
132,311.01
614,013.98 249,908.87
48,100.97 None
None . 52,778.29 150,000.00 375,000.00
17,271.79 None

Total Liabilities ............... $ 6,4(i6.172.80

138

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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, balances with other banks, in
eluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed .... Obliga~i'?n.s of States and political
SUbdiVlSIOTIS , ......... , , ,
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 ................. .

834,4:15.70 1,120,951.4:1
902,5:H.89 None None
2,511,029.0H 15,000.00 None
None None None

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government. .... . De~o~its 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 ................. .

1,937,270.31 2,193,466.26
50,377.55
650,112.94 None
21,985.81 None
None None 100,000.00 200,000.00 2:10,735.23 None

Total Liabilities ............... $ 5,383,948.10

STATEMENT
Showing condition at the close of business December 31, 1964, of FARMERS AND MERCHANTS BANK Sylvania, Ga.

As called for by the Superintendent of Banks

W. B. LOVETT, President.
Date of Charter: 2-18-1946

B. E. BLACKBURN, Cashier.
Began Business: 3-1-1946

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .... $ United States Government obligations, direct and guaranteed.....
Obliga!i<?n.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 indirectly representing bank premises
or other real estate.............. Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other Assets . . . . . . . . . . . . . . . . . . . . . .

628,044.7f-l
801,630.8:~
518,375.02 None None
1,209,877.94 7,363.09 None
10,800.00 None None

Total Assets .................. $ :l,176,091.1i4

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ............... . Reserves

1,196,901. 79 1,151,883.07
16,395.11
336,663.70 None
41,753.91 None
None 153,850.38 100,000.00 102,000.00
7G,643.68 None

Total Liabilities ............... $ :l,17G,091.64

FORTY-FIFTH ANNUAL REPORT

139

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF WORTH COUNTY Sylvester, Ga.

As called for by the Superintendent of Banks

W. J. CROWE, President.
Date of Charter: 4-28-1945

LEONARD SUMNER, Cashier.
Began Business: 11-1-1945

ASSETS Cash, balances with other banks, in~
eluding reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i~n.s 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 . . . . . . . . . . . . . . . . . . . . . .

1,144,868.98 !155,485.!18 ~80,867 .49 None None
2,42:1,788.2~)
7,292.95 None
40,000.00 None 860.22

Total Assets .................. $ 4,25:1,H:l.!ll

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
diviSions ....................... . Deposits of banks................. . OtheT 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 ......................... .

l,92~.284.6g
1,809,922. 75 21,408.85
413,046.59 179,082.65
7:1,512.69 None
None 46,406.2:1 100,000.00 100,000.00 74,918.87 11,5RO.OO

Total Liabilities ............... $ 4,25:l,11i!l.:ll

STATEMENT

Showing condition at the close of business December 31, 1964, of SYLVESTER BANKING COMPANY Sylvester, Ga.

As called for by the Superintendent of Banks

T. M. PURDOM, President.
Date of Charter: 7-5-1898

D. NEIL PIERCE, Cashier.
Began Business: 7-1898

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $ 754,490.99

United States Government obligations, direct and guaranteed ..... 1,711,977.50

Obliga~i~n.s of States and political subdiVISIOnS .................. .

117,!lR9. 79

Other bonds, notes, and debentures

None

Corporate stocks (including stock of Federal Reserve Bank) ......... .

None

Loans and discounts (including overdrafts) ........................ . !J,948,551.9(i

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

(i5,000.00

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

-

-

-

None
--

Total Assets ...... .

(i,597,410.24

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i?' 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,fi65,627.05 2,936,812.00
50,457.!35
295,217.:liJ 30,000.00
32,296.54 None
None 95,000.00 150,000.00 150,000.00 192,000.00
None

Total Liabilities ............... $ fi,597,41 0.24

140

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s of States and political
SUbdJVJSlOTIS ... , . , , .
Other bonds, notes, and debentures Corporate stocks (including stock of
Federal Reserve Bank) .......... . Loans and discounts (including over-
drafta) ........................ . 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 Asseta .. .. .. .. .. .. .. .. .. $

;J5~,141.67
313,485.00 11,893.05
153,968.75 None
:J67 ,500. 70 2.00 1.00
None None None 1,198,492.17

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ............. .

588,279.67 41,797.67
8,49~.98
42(),501.84 None
25.00 None
None None 25,000.00 25,000.00 H0,894.01 2,500.00

Total Liabilities

l, l 9R,492.17

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.....
Obliga!i'?n.s 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 . . . . . . . . . . . . .

70!:1,207.56 536,179.74
87,247.08 291,912.50
None 1,011,252.811
4 7 ,h33.59 16,0011.011
None None 1:1,080.27

Total Assets .........

2,712,G13Ji4

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits

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

Re;;;erves

1,360,769.8G 916,319.42 57,906.71
176,443.97 None
l1,86:l.12 None
None 5,000.00 50,000.00 100,000.00 29,129.09 fi,ORJ.:l7

Total Liabilities .

2,712,513.54

FORTY-FIFTH ANNUAL REPORT

141

STATEMENT

Showing condition at the close of business December 31, 1964, 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, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
SUbdlVlSlODS , ...... , .....
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 ................. .

9:l,571.~4
403,504.80 None
75,265.iio None
S7G,225.91 1,49:1.41 None
None None 800.00 1,150,861.01

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

504,653.22 :J15,204.24
6,210.99
104,393,43 None
7,214.:l7 None
None None 25,000.00 100,000.00 88,184. 7!i None

Total Liabilities

1,150,861.01

STATEMENT

Showing condition at the close of business December 31, 1964, of BANK OF TEMPLE Temple, Ga.

As called for by the Superintendent of Banks

J. H. THOMAS,

L. G. LYELL,

President.

Cashier.

Date of Charter: 11-25-1946

Began. Business: 7-1-1947

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed... . . Obliga~i'?n.s 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 .................. $

119,287.4:1 145,953.75
None 99,598.44
None 121,438.22
1,248.63 None
None None None 4R7,526.47

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government. .... . De~o~i~s of States and political sub-
d1v1s1ons ....................... .
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 ................ . Reserve:.. ......................... .

:J62,894.75 10,000.00 None
27,329.68 None
None None
None 2,592.46 25,000.00 25,000.00 34,709.58
None

Total Liabilities ............... $ 487,526.47

142

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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, in-

cluding reserve balances, and cash items in process of collection ....

422,X90.62

United States Government obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political
subdJVISlOTIS , , , ..... , , , , , , , .... ,
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-

499,095.00
70.~17.21
None None 2,085,256. 77 37,086.09 None

rectly representing bank premises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

1~,4(;8.00
-----

Total Assets ................. .

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

1,07~,124.25
1,347,191.8(; 21,402.86
~29,158.68
None
3,199.06 None
None None 100,000.00 200,000.00 54 '0N~6~n9e8

Total Liabilities . . . . . . . . . . . . . . . $ :J,128,!l:u;~

STATEMENT
Showing condition at the close of business December 31, 1964, of BANK OF UPSON Thomaston, Ga.

As called for by the Superintendent of Banks

CHAS. M. PASLEY, JR.,

H. D. STOREY, JR.,

President. Date of Charter: 6-23-1951

Cashier. Began Business: 10-1-19/il

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed.....
O~~t~1~~~i~n~f _st~t~~- _and. politic~~
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 . . . . . . . . . . . . .

fiHl,::n:i.OX 1,446,501.00
1 H:l,SG 9 _2 () None None
2,20b,478.75 !ll,fi:l4.75 None
75,000.00 None
4,261.80

Total Assets ................. . 4,b08,61R.Ii4

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves

1,822,860.:15 1,739,845.86
52,008.57
:l92,40fi.54 4fi,707.:lli
14,559.40 None
None 45,168.47
~70,000.00
170,000.00 fi5,062.09 None

Total Liabilities ............. . 4,1i08,fi1R.Ii4

FORTY-FIFTH ANNUAL REPORT

143

STATEMENT

Showing condition at the close of business December 31, 1964, 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 in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i<?n.s 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- rectly representing bank premises or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

1,65fi,~49.i)H
2,675,255.4()
1,295,100.21 None
,_ 2 625 00
5,484,964. Hl 1:J2,584.Hii None
2,249.Hi None
5G,:l69.:J:l

Total Assets .................. $ ll,:J05,997.R9

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i!" 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 ......................... .

5,064,060.li:l 4,372,055.27
103,451.45
(; 18,:360.70 None
800.51 None
None 298,598.27 400,000.00 300,000.00 148,671.0(;
None

Total Liabilities .............. $ ll,!l05,997.R!l

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances. and cash items in process of collection .... $ United States Government obliga-
tions, direct and guaranteed ..... Obliga!i~n.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 ..................... .

~40,1!!9.21
:l,2R3,77!l.or; 779,690.27 650,000.00 None
4,:l:l1,500.S~
146,2:11.05 None
None None a:J,011.20

Total Assets .................. $ 1O,Oii4,!l45.G7

LIABILITIES
Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!" of States and political sub-
d1v1s1ons ....................... . 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 .................. .

4,657,374.41 3,105,100.34
326,804.'17
8:35, 7!l4.36 96,553.30
95,438.61 None
None 165,903.94 180,000.00 520,000.00
46,830.28 34,605.66

Total Liabilities ............... $ 10,064,345.fi7

144

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of
COMMERCIAL BANK Thomasville, Ga.
As called for by the Superintendent of Banks

L. D. FERGUSON, President.
Date of Charter: 7-3-1916

A. F. KIMBROUGH, Cashier.
Began Business: 7-22-1916

ASSETS Cash, balances with other banks, in~
eluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
o~~g~~~~~~n~f -~~~tes -~n~- -~~l~~ic~l
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
oth~~e).._~s~~:s. ~~~~~~~~~~~. ~: ~::::::

l,X7:3,!H-i7.90
~.:147,942.27
1,04:l,709.fi0 None None
li,II07,:l19.51 12fi,418.26 8,260.9(1
None None 104,050.11

Total Assets ................. . 12,505,668.61

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus .......................... .

Undivided profits ................ .

Reserves . . . . . . . .

. ......... .

6, 170, 173.~9 4,017,620.85
236,802.27
978,629.29 16,552.0:1
71,455.0ii None
None 213,020.16 312,500.00 437,500.00
51,415.0(; Nonp

Total Liabilities ............... $ 12,505,66R.fil

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed ..... Obliga~i~n.s 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 ..................... .

709,517. 7R 1,827,215.28
680,095.36 100,005.68
None 2,:386,120.69
8,554.11 None
80,000.00 None
5,0:19.24

Total Assets ................. . 5,296,548.14

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ...... .
Reserves

2,351,501.47 1,851,552.84
47,238.68
437,613.65 None
68,123.65 None
None 9,000.00 150,000.00 225,000.00 156,517.85
None

Total Liabilities ... . ........ $ 5,296,548.14

FORTY-FIFTH ANNUAL REPORT

145

STATEMENT

Showing condition at the close of business December 31, 1964, 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.
Began Business: 1896

ASSETS
Cash, balances with other banks, including reserve balances, and cash
items in process of collection .... $ United States Government obliga-
tions, direct and guaranteed..... Obliga~i'?n.s of States and political
subdtvtstons . . . . . . . . . . . . . . . . . . . . . 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 . . . . . . . . . . . . . . . . . . . . . .

1,752,901.51 3,096,371.51 1,024,358.15
400,063.12 None
5,867,068.87 112,548.72 8,692.12
None None 34,593.97

Total Assets .................. $ 12,290,597.97

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . De~o~i~ 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 ......................... .

5,743,041.95 3,148,788.79
93,278.75
1,131,086.44 521,068.32
27,824.47 None
None 428,363.76 300,000.00 500,000.00 254,759.89 148,385.60

Total Liabilities . . . . . . . . . . . . . . . $ 12,296,597.97

STATEMENT Showing condition at the close of business December 31, 1964, of

THE CITIZENS BANK OF TIFTON

Tifton, Ga.

As called for by the Superintendent of Banks

WM W. CONOLY,

JOHN T. BARGE,

President. Date of Charter: 2-24-1948

Cashier. 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 obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdtv1s10ns . . . . . . . . . . . . . . . . . . . .
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 premise!? or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

579,339.90 931,129.18 254,315.71 299,562.50
None 2,202,956.98
34.000.00 43,000.00
None None 691.07

Total Assets .................. $ 4,344.995.34

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

1,864,452.37 1,300,263.01
98,473.22
687,199.42 None
51,196.59 None
None 44,000.00 100,000.00 150,000.00 29,410.73 20,000.00
4,844,995.34

146

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

L. A. BRASWELL, Cashier.
Began Business: 2-24-1937

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
SUbdiVISlODS ...
Other bonds, notes, and debentures Corporate stocks (including stock of
Federal Reserve Bank) .......... . Loans and discounts (includipg 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............. .

6:J:l,267.81 2,061,431.29
749,541.38 239,754.9(;
None :1,3:16,204.80
129,H98.H2 None
None

Customers' liability to this bank on

None

oth~~e~~~~es. ~~~~~~~~~-:::::::::

42,879.41

-----

Total Assets .................. $ 7,192,778.27

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

2,973,929.62 2,283,787.91
125,200.50
882,495.98 8,0H.84
50,579.08 32,500.00
None 91,027.4:1 11;0,000.00 405,000.00 180,245.91
Non('

Total Liabilities

7,192,778.27

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $ United States Government obliga~ tions, direct and guaranteed ..... Obliga~i'?n.s of States and political SUbdlVlSlOnS ...... , , , ......... . 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 .................. $

118,:100.98 401;,290.45
None None None 27,358.00
1.00 None
None None None 551,950.4:1

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ........... . Reserves

4:ll,672.91 7,000.00 325.00
54,452.52 None
None None
None 3,200.00 25,000.00 15,000.00 15,300.00
None

Total Liabilities ............... $ 551,950.4:J

FORTY-FIFTH ANNUAL REPORT

147

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdtvtstons . . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,409,063.47 1,037,382.81;
452,515.91 125,000.00
None 4,132,120.19
72,950.59 None
50,000.00 None
2,429.89

Total Assets .................. $ 7,281,462.91

LIABILITIES Demand deposits .................. $ Time deposits ....................
Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dJvJstons ....................... .
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 ......................... .

2,769,367.46 2, 704,605.28
164,201.07
770,958.47
:l~1.592.n
37,920.54 None
None 45,010.69 100,000.00 250,000.00 57,806.47
None

Total Liabilities ............... $ 7,281,462.91

STATEMENT

Showing condition at the close of business December 31, 1964, 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

W. R. FRICKS, Cashier.
Began Business: 3-16-1951

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political subdtvtstons . . . . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

1,473,160.2:1 1,639,334.60
606,732.61 800,350.00
None 2,74:3,919.41
25,623.88 None
6,:391.00 None
19,551.31

Total Assets .................. $ 6,815,068.04

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... .
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 ......................... .

3,269,572. 76 2,031,107.07
87,954.67
1,013,972,29 None
40,241.22 None
None None 125,000.00 200,000.00 31,714.03 15,501.00

Total Liabilities .............. . 6,815,063.04

148

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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 Busine_ss: 1-12-1956

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political
SUbdiVISJODS .. ,
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 ................. .

233,1H4.51 768,070.58
71,720.57 250,099.57
None 1,050,41:1.5(;
8,813.5H None
None None None 2,3H2,302.:l7

LIABILITIES
Demand deposits .................. $ Time deposits .................... .
Deposits of U. S. Government ..... . DeJ!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 .................... .

842,402.94 903,445.19 176,472.34
259,466.65 None
15,605.52 None
None 58,266.76 50,000.00 50,000.00 26,642.97
None

Total Liabilities ............... $ 2,:182,302.37

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF TUCKER Tucker.. Ga.

As called for by the Superintendent of Banks

REID H. COFER, President.
Date of Charter: 10-29-1919

REID H. COFER, Cashier.
Began Business: 12-1919

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.s 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-
rectly representing bank premises or other real estate..............
Customers' liability to this bank on aCceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

462,:140.77 1,121,179.51;
391,641.42 200,000.00
None
1,685,831.11 47,893.09 None
None None 3,906.1:1

Total Assets .................. $ 3,912,792.08

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

2,513,665.G8 697,408.01 62,750.08
134,423.36 None
47,630.7:! None
None 37,027.% 100,000.00 210,000.00
3,000.00 10fi,XR(i.21i

Total Liabilities ............... $ 3,912,792.08

FORTY-FIFTH ANNUAL REPORT

149

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... 349,27:l.5:l

United States Government obligations, direct and guaranteed .....

721,250.59

Obliga~i'?n.s of States and political
SubdJVlSlOllS ...... , .
Other bonds, notes, and debentures

158,896.:36 70,078.10

Corporate stocks (including stock of Federal Reserve Bank) .......... .

None

Loans and discounts (including overdrafts) ........................ .

1,057 ,372. 79

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

17.77:1.20

Real estate owned other than bank premises ....................... .

None

Investments and other assets indi-

rectly representing bank pr~mises or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

.

-

-

-

None
--

Total Assets .................. $ 2,384,fi44.57

LIABILITIES Demand deposits ................. 1 $ 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 ......................... .

985,909.38 945,461.84
24,382.22
179,163.05 24,731.14
2,300.53 None
None 5,000.00 50,000.00 75,000.00 67,696.41 25,000.00

Total Liabilities ...............$ 2,384,644.57

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE FAYETTE STATE BANK

.

Tyrone, Ga.

As called for by the Superintendent of Banks

W. F. FARR, President.
Date of Charter: 1-31-1964

W. F. FARR,
Cashier. Began Business: 2-1-1964

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed.....
Obliga~i'?n.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 ana 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 . . . . . . . . . . . . . . . . . . . . . .

16:1,720.ti7 419,088.39
None 150,314.57
None 455,178.(;9
6,57 4.88 None
None None 1,421.00

Total Assets .................. $ 1,1%,298.20

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

419,876.59 470,800.34
None
150,869.77 None
3,376.48 None
None 42,045.70 50,000.00 25,000.00 34,329.32
None

Total Liabilities .............. $ 1,196,298.20

150

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

JIMMIE J. RYALS, Cashier.
Began Business: 4-22-1935

ASSETS Cash, balances with other banks, in-
cluding reserve balances. and cash items in process of collection .... $ United States Government obligations. direct and guaranteed ..... Obliga~i'?n.s of States and political
SUbdtVISlODS , .... , ,
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 ..................... .

527,802.22 414,503.42
None 199,992.19
None 848,254.38
7,240.00 None
None None None

Total Assets .................. $ 1,997,892.21

LIABILITIES Demand deposits ................ . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dlvlsions ....................... . 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 ............... .

1,111,640.7(; 579,48().()5 10,773.57
102,786.84 None
16,483.25 None
None None 50,000.00 100,000.00 26,721.14 None

Total Liabilities

1,997,892.21

STATEMENT

Showing condition at the close of business December 31, 1964, 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

W. ALAN RAMSEY, Cashier.
Began Business: 5-1911

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.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 indirectly representing bank premises
or other real estate ............. . Customers' liability to this bank on
acceptances outstanding ........ .
Other Assets ..................... .

26H,029.:;o 393,688.7B 141,236.71 425,000.00
None 719,0:l7.!lH
H,562.54 None
None None None

Total Assets .................. $ 1,958,554. 72

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 outstand-

ing ............................ .

Other liabilities .................. .

Capital .......................... .

Surplus ......................... .

Undivided profits ................ .

Reserves

......... .

663,988.19 821,025.32
30,720.9G
256,996.32 None
3,980.56 None
None 2,700.00 50,000.00 75,000.00 49,143.87
None

Total Liabilities ...

1,953,554. 72

FORTY-FIFTH ANNUAL REPORT

151

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE FARMERS BANK

Union Point, Ga.

As called for by the Superintendent of Banks

JOHN B. STEWART,

REUBEN H. FLYNT,

President.

Cashier.

Date of Charter: 9-6-1911

Began Business: 9-6-1911

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..... Obliga~i~n.s of States and political
SubdJVJSIOnS . . . . . . . . . . . . . . . . . . . . .
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 . .. .. .. . . .. .. .. . . .. . ..

475,255.~2
1,1:l8,194.4:l 24,394.67
170,112.28 None
1,625,771.82 37,991.6:J None
None None 4,:Jlg,72

Total Assets .................. $ :l,471i.O:l9.:l7

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dtvtstons ....................... . 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 ......................... .

920,687.28 2,071,000.01
24,833.19
211,469.15 None
14,537.59 None
None None 100,000.00 100,000.00 33,512.15 None

Total Liabilities ...............$ 3,476,0:J9.:l7

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed. . . . .
Obliga~i~n.s 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 . . . . . . . . . . . . . . . . . . . . . .

1,51:l,621.02 928,262.50 544,983.63 449,565.00 None
2,898,238.57 49,953.84 None
None None None

Total Assets .................. $ fi,379,624.56

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... .
Undivided profits ................ . Reserves ......................... .

:l,:J20,674.0:l 1,504,322.10
118,218.32
688,145.25 145,667.14
37,471.80 None
None 18,000.00 225,000.00 225,000.00 97,125.92
None

Total Liabilities . . . . . . . . . . . . . . . $ 6,:l79,624.nfi

152

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of DARBY BANKING COMPANY, INC.

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 .... United States Government obligations, direct and guaranteed ..... Obliga~i'?n.s of States and political subdtvtstons .................... . Other ~onds, 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 outsta.nding ........ . Other Assets ..................... .
Total Assets ................. .

882,712.26 448,856.22 241,610.26 869,828.13
None 1,535,208.38
20,048.52 None
None None None 3,998,263. 77

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government..... . De~o~i!s of States and political sub-
dJvJsions ....................... . 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 ......................... .

2,256,802.23 734,361.46 119,214.10
385,073.35 137,844.56
23,361.81 None
None 39,066.96 150,000.00 100,000.00 52,539.:l0
None

Total Liabilities ............... $ 3,998,263. 77

STATEMENT

Showing condition at the close of business December 31, 1964, of VIDALIA BANKING COMPANY Vidalia, Ga.

As called for by the Superintendent of Banks

C. M. JORDAN, President.
Date of Charter: 10-22-1938

W. A. HUMPHREY, Cashier.
Benn Business: 10-28-1938

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'?n.s of States and political
subdJVJSJOns .... , . , ............ .
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 ..................... .

638,899.79 588,294.48 857,449.31
None 9,000.00 2,886,608.42 79,020.00
None
None None 12,646.87

Total Assets ................. . 5,071,918.87

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i!s of States and political sub-
dJVJSJons ....................... . 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 ............ .

2,530,822.43 1,334,250.35
124,696.10
328,989.36 16,099.41
21,947.92 None
None 228,686.24 100,000.00 250,000.00 129,627.06
6,800.00

Total Liabilities ............. . 5,071,918.87

FORTY-FIFTH ANNUAL REPORT

153

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obliga~
tions, direct and guaranteed..... Obliga~i'?":s of States and political
subdtvtstons _.... _. _.............
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 . . . . . . . . . . . . . . . . . . . . . .

412,105_74 515,52t1.14
23,000.00 400,000.00
None 1,176,199. 77
1:J,944.3R None
None None 2,127.16

Total Assets ................. . 2,542,90:1.19

LIABILITIES Demand deposits . . . . . . . . . . . . . . . . . . $ Time deposits .................... . Deposits of U. S. Govqnment ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ......................... .

1,356,989.12 485,560.0! 16,047.97
4:J9,:Jll.25 None
10,451.17 None
None None 50,000.00 100,000.00 1:14,543.67 None

Total Liabilities

2,542.90:l.l9

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF VILLA RICA Villa Rica, Ga.

As called for by the Superintendent of Banks

J. G. KNIGHT, JR. President.

SAM C. ANDERS, 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 obligations, direct and guaranteed .....
Obliga!i'?n.s 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 ..................... .

587,091.92 1,45:l,643.3!
R4,514.53 None None
1,204,719.20 27,000.00 None
None None 9,582.41

Total Assets .................. $ 3,:l!6,55l.:l7

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital ............ , ............. .
Surplus ......................... , Undivided profits ................ .
Reserves ......................... .

I ,659,863.00 894,008.54 72,893.88
:l2fi,415.20 None
2,629.12 None
None 21,150.00 100,000.00 100,000.00 89,591.63 50,0011.011

Total Liabilities ............... $ :l,:l16,55l.:l7

154

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

P. G. EDENFIELD, JR., Cashier.
Began "Business: 1-1902

ASSETS Cash, balances with other banks, in
eluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed. . . . .
Obliga!i'?n.s of States and political
SUbdlVISlOllS .. , , , , , , , , ... , . , , ,
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 . . . . . . . . . . . . . . . . . . . . . . . .
lnvestments and other assets indirectly representing bank premises or other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

226,2:{5.011 386,642.50
34,946.88 215,802.48
None 929,8:l7.0(;
37,515.52 7 ,000.0()
None None 7,065.29

Total Assets .................. $ 1,845,044.79

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 account of this bank and outstanding ............................ .
Other liabilities .................. . Capital .......................... . Surplus .......................... . Undivided profits ................ . Reserves ......................... .

777,757.12 789,212.(;2
34,329.62
94,823.14 None
16,073.62 None
None 12,928.12 50,000.00 30,000.00 89,920.55
None

Total Liabilities ............... $ 1,R45,044. 7!l

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE BANK OF WARNER ROBIN:; Warner Robins, Ga.

As called for by the Superintendent of Banks

DAVID L. DAVIS, 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 obligations, direct and guaranteed .....
Obliga!i'?n.s of States and political subdlVlSlOns ........... , ...... .
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 ..................... .

1,545,991.22 639,727.84 245,000.00 None
2,552,426.02 51,618.80 None
None None 33,7 44.80

Total Assets ................. .

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub
dlVlSlOnS ... , ................... .
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

2,478,859.35 947,840.81 193,478.58
1,125,745.3(; 75,000.00
1,102.08 225,000.00
None 213,516.16 133,400.00
75,000.00 218,983.30
9,2fi3.7:l

Total Liabilities ............... $ fi,(-i97' 1:19.:17

FORTY-FIFTH ANNUAL REPORT

155

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed ..... Obliga~i'?~s of States and political
subdtVlSJODS ........... , . ,
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 ..................... .

1,113,249.99 1,377,934.28
620,976.96 249,556.82
None 3,528,273.96
145,680.55 None
None None 5,141.52

Total Assets .................. $ 7,040,814.08

LIABILITIES Demand deposits ................. . $ Time deposits .................... . Deposits of U. S. Government..... . DeJ!o~i~ of States and political sub-
dtvtsJons ....................... . Deposits of banks ................ .. Other deposits (certified and officers'
checks, etc.) ................... . Bills payable ..................... . Acceptances executed by or for ae..
count of this bank and outstanding ............................ Other liabilities .................. Capital .......................... . Surplus .......................... . Undivided profits ................ Reserves .......... ...............

3,202,006.41 1,661,713.67
72,368.50
1,290,214.89 None
3,318.28 None
None 312,791.65 200,000.00 150,000.00 148,400.68
None

Total Liabilities ............... $ 7,040,814.08

STATEMENT

Showing condition at the close of business December 31, 1964, of

CITIZENS BANK

Warrenton, Ga.

As called for by the Superintendent of Banks

HAL D. BEMAN,

LANE S. McELVEEN,

President.

Car.hier.

Date of Charter~: 4-14-1902

Began Business: 41902

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.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 . . . . . . . . . . . . . . . . . . . . . .

332,876.48 675,030.78 576,968.27
None None 1,997,381.07 48,128.26
1.00
None None None

Total Assets ................. . 3,630,885.86

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

1,344,173.45 1,358,499.03
26,065.16
429,295.66 10,000.00
5,826.10 None
None 1,803.06 200,000.00 100,000.00 124,891.92 29,831.48

Total Liabilities ....... ~ ....... $ :l,630,!l85.Rii

156

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of

FARMERS AND MERCHANTS BANK Washingt()n, Ga.

As called for by the Superintendent of Banks

H. G. GARRARD, President.
Date of Charter: 8-10-1949

ROBERT M. DRINKARD, Cashier.
Began Businessl 3-14-1950

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s of States and political
subdJVISlODS .........
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 ................. .

372,905.95 826,363.16
66,470.85 100,217.70
None 1,400,214.81
59,460.57 None
None None 1,206.21 2,826,839.25

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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 ..................... .

826.~89.75
1,252,812.82 22,068.(\0
47a,753.37 10,417.87
1,936.3(; None
None 35,48:1.91 100,000.00 50,000.00 36,876.57 16,500.00

Total Liabilities ............... $ 2,826,889.25

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.....
Obliga!i'?n.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 indirectly representing bank premises
or other real estate.............. Customers' liability to this bank on
acceptances outstanding . . . . . . . Other Assets . . . . . . . . . . . . . . . . . . . . . .

1,025,163.1X 1,824,027.19
508,294.94 None None
:l, 794,980.25 155,000.00 None
None None None

Total Assets .................. $ 7,307,465.56

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 ................ . Re::.erves

2,435,122.82 3,240,102.07
121,335.89
731,807.44 83,172.87
24,072.29 None
None 65,877.37 200,000.00 300,000.00 105,974.81
None

Total Liabilities .............. $ 7,307,465.5G

FORTY-FIFTH ANNUAL REPORT

157

STATEMENT

Showing condition at the close of business December 31, 1964, 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, including reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i'?n.s of States and political
SUbdiVlSlOTIS .............. , , . , , , , 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 . . . . . . . . . . . . . . . . . . . . . .

2:~5,55:t 97 607,602.84 95,824.49
10,000.00 None
4g6,713.55 4,958.35 None
None None 987.20

Total Assets .................. $ 1,441,640.40

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

.81g,:J44.25 893,060.05
12,126.97
78,989.85 None
1,763.65 None
None 3,750.00 75,000.00 15,000.00 33,605.6:1 10,000.(J(J

Total Liabilities ............... $ 1,441,640.40

STATEMENT

Showing condition at the close of business December 31, 1964, of

COMMERCIAL BANK

Waycross, 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 obligations, direet and guaranteed.....
o~~~~!~~~i~n~f .~t~tes..~n~ ..~~~~:ical
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 . . . . . . . . . . . . . . . . . . . . . .

1,654,029.7H :l,515,56H.10
:146,849.84 475,000.00
None 2,07:1,272.98
!!2.042.67 None
None None None

Total Assets . . . . . . . . . . . . . . . . . . 8,156,762.87

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

4,492,692.42 2,054,677.15
145,287.!il
n:n ,663. 7<; None
fi9,207.5:l None
None 111,323.24 200,000.00 200,000.00 95,614.()(; 2f:0,29<:.no

Total Liabilities ............... $

158

DEPARTMENT OF BANKING

STATEMENT

Showing -C!)Jidition at the close of business December 31, 1964, of
SOUTHERN BAl\111\. Wayeross, GL
As called for by the Superintendent of Banks

RALPH HERRIN, President.
Date of Charter: 5-22-1956

JAMES W. MARR,
Cashier. Began Busines~: 6-11-1956

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash $ items in process of collection .... United States Government obligations, direct and guaranteed ..... Obliga~i'?"." of States and political
SUbdiVlSJODS .
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 .................... ..

1.259,910.27 1,254,411.92
594,509.59 200,000.00
None 2.074, 736.61
30,942.7R 8,573.98
None None 12,674.56

Total Assets .................. $ 5,435,759.71

LIABILITIES Demand deposits .................. $ Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvtstons ....................... .
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 .................... .

2,612,290.82 1,713,351.25
94,917.08
383,103.47 40,981.52
:l,461.82 None
None 145,963.63 175,000.00 175,000.00
64,801.6R 26,RRR.44

Total Liabilities ............... $ 5.435,759.71

STATEMENT

Showing condition at the close of business December 31, 1964, of

BANK OF WAYNESBORO Waynesboro, GL
As called for by the Superintendent of Banks

M. K. TUCKER, President.
I>ate of Charter: 12-16-1890

BOBBY 0. TEASLEY, Cashier.
Began Business: 1891

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection .... $
United States Government obligations, direct and guaranteed... . .
Obliga~i'?n.s of States and political subdvswns . . . . . . . . . . . . . . . . .
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 . . . . . . . . . . . . . . . . . . . . . .

897,692.02 1.183,831.87
589,582.64 150,000.00
13,750.00 3, 713,612.58
50,474.92 9,900.00
8,696.52 None
36,864.87

Total Assets .................. $ 6,654,405.42

LIABILITIES Demand deposits ................. .
Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dtvtstons ....................... . 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

2,423,665.69 2,682,623.26
117,744.23
613,075.95 73,179.11
38,775.47 None
None 264,772.83 150,000.00 225,000.00
65,568.88 None

Total Liabilities ............... $ 6,654,405.42

FORTY-FIFTH ANNUAL REPORT

159

STATEMENT

Showing condition at the close of business December 31, 1964, 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-
cluding reserve balances, and cash items in process of collection .... $ United States Government obligations, direct and guaranteed ..... Obliga~i<?";S of States and political
SUbdtVlSlODS ........
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 . . . .. . . . . . . . . . . . . . $

220,195.01 100,000.00
5,000.00 None None
372.049.05 14,935.75 None
None None None 712,179.81

LIABILITIES Demand deposits .................. $
Time deposits .................... . Deposits of U. S. Government. .... . De~o~i~ of States and political sub-
dtvtstons ....................... . 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 ......................... .

ao:J,949.67 2(;3,367.57
6,329. 7H
75,340.05 None
1,336.20 None
None None 30,000.00 20,000.00 11,856.54 None

Total Liabilities

712,179.H1

STATEMENT

Showing condition at the close of business December 31, 1964, 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 reserve balances, and cash
items in process of collection ....
United States Government obligations, direct and guaranteed .....
Obliga~i'?n.s of States and political subdtvtstons ................... .
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 ..................... .

1,350,044.98 964,958.47 760,514.38 299,000.00 None
2,254,048.80 38,683.77 None
None 1,691.85 21,662.87

Total Assets .................. $ 5,690,604.62

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus ......................... . Undivided profits ................ .
Reserves ......................... .

3,712,334.98 846,438.38 80,370.62
443,853.65 None
17,471.00 None
None 145,767.93 125,000.00 190,000.00 129,368.06
None

Total Liabilities ............... $ 5,690,604.62

160

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, of THE 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 .... $ 1,161,179.03

United States Government obliga-

tions, direct and guaranteed ..... 1,800,000.00

Obliga~i'?n.s of States and political

SUbdlVISlODS ...........

584,410.94

Other bonds, notes, and debentures

200,000.00

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over-

drafts) ....................... .. 1,571,218.07

Bank premises owned, furniture and

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

43,550.00

Real estate owned other than bank

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

35,957.50

Investments and other assets indi-

rectly representing bank premises

or other real estate............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets ..................... .

None

-----

Total Assets ................ ..

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

a,640,727.16 964,823.76 73,24a.62
223,878.56 None
28,430.85 None
None 79,507.62 100,000.00 150,000.00 25,000.00 110,703.97

Total Liabilities ............... $

STATEMENT

Showing condition at the close of business December 31, 1964, 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

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed .....
Obliga!i~n.s 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 ..................... .

:l94,4l!;.:JG
10,000.00 Nont None
ti0G,2119.4:~
2,8GO.UO None
None None None

Total Assets .................. $ 1,il2K,419.2:l

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 account of this bank and outstand-
ing ............................ . Other liabilities .................. .
Capital .......................... . Surplus : . ....................... . Undivided profits ................ .
Reserves ............ .

44:1,187.97 660,443.il8
2,655.X5
27J,G:HUW None
11 ,:l:l4.:l0 None
None 4,480.93 50,000.00 50,000.00 :l4.H80.00
None

Total Liabilities ..

. ....... $ 1.il28,419.2:l

FORTY-FIFTH ANNUAL REPORT

1;61

STATEMENT

Showing condition at the close of business December 31, 1964, 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 .... $ 204,11:1.79

United States Government obliga-

tions, direct and guaranteed.....

65,000.00

O~~~~~!~~~n~f. -~~tes -~~~- -~~~~~i~~-1

None

Other bonds, notes, and debentures

718,325.00

Corporate stocks (including stock of

Federal Reserve Bank)...........

None

Loans and discounts (including over-

drafts) . . . . . . . . . . . . . . . . . . . . . . . . .

885,134.60

Bank premises owned, furniture and

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

700.00

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate..............

None

Customers' liability to this bank on acceptances outstanding . . . . . . . . .

~~~=

Other Assets ..................... . ----

Total Assets .................. $ 1,873,27R.~9

LIABILITIES Demand deposits ................. $ Time deposits .................... . Deposits of U. S. Government..... . De~o~i~s of States and political sub-
dJvlsJons ....................... . 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 ......................... .

685,447.95 816,526.:>7
7,57R.3R
109,832.90 None
3,195.64 None
None 3,000.00 50,000.00 100,000.00 81,490.27 16,206.RR

Total Liabilities ............... $ 1,873,273.39

STATEMENT

Showing condition at the close of business December 31, 1964, of

THE WOODLAND BANK

Woodland, Ga.

As called for by the Superintendent of Banks

J. H. WOODALL, President.
Date of Charter: 11-18-1907

C. E. MILLER, Cashier.
Began Business: 11-25-1907

ASSETS Cash, balances with other banks, in-
cluding reserve balances, and cash items in process of collection. . . . $ United States Government obligations, direct and guaranteed ..... Obliga!i'?n.s 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 ................. .

81,501.6:1 211,000.00
4,000.00 30,000.00
None 85,822.78
677.00 None
Nolle None None 413,001.41

LIABILITIES Demand deposits ................. . Time deposits .................... . Deposits of U. S. Government.... - De~o~i~s of States and political sub-
dtvtstons ....................... . 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 .............. .

255,416.60 47,175.85
5,545.64 2:1,947.30
None
734.35 None
None None 25,000.00 25,000.00 30,181.67 None
41~.001.41

162

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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 obligations, direct and guaranteed.....
Obliga~i'?n.s of States and political SUbdiVlSIOllS , , , ..... , , , . , , .. , . , , ,
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 . . . . . . . . . . . . . . . . . . . . . .

t:H),208.47 511,140.R:l 110,519.60 115,07l.RR
None H:l9,020.!;1
24,G75.2:1 None
None None 789.05

Total Assets .................. $ 1,7:17,425.!;?

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

!;61,2G9.57 702,g95.1:l
7,230.54
149,067.2H None
2,G29.94 None
None ;)4,812.35 50,000.00 100,000.00 29,520.8(;
None

Total Liabilities ............... $ 1,737,425.fi7

STATEMENT

Showing condition at the close of business December 31, 1964, of
FIRST STATE BANK Wrens, Ga.
As called for by the Superintendent of Banks

JAS. E. FLEMING, SR., President.
Date of Charter: 2-25-1964

T. W. JOHNSON, JR., Cashier.
Began Business: 7-6-1964

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection .... $

96,486.2:1

United States Government obliga-

tions, direct and guaranteed .....

267,988.61

Obliga!i~n.s of States and political

subdiVISIOnS ....... , ..... , , ..

None

Other bonds, notes, and debentures

50,000.00

Corporate stocks (including stock of

Federal Reserve Bank) ......... .

None

Loans and discounts (including over-

drafts) ........................ .

258,180.65

Bank premises owned, furniture and

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

11,114.25

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

16,245.0H

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other Assets

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

.

-

-

-

None
--

Total Assets .................. $ 700,014.82

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

278,557.98 93,972.23 16,397.89
169,393.62 None
1,572.21 None
None None 50,000.00 50,000.00 40,120.89 None

Total Liabilities .............. $ 700,014.82

FORTY-FIFTH ANNUAL REPORT

163

STATEMENT

Showing condition at the close of business December 31, 1964, 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 reserve balances, and cash
items in process of collection .... $
United States Government obligations, direct and guaranteed..... .
Obliga~i'?n.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 indirectly representing bank premises o.r other real estate..............
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

407,729.21 1,225,302.94
47,958.46 376,163.87
None 1,967,771.09
98,J:l3.91 None
None None None

Total Assets . . . . . . . . . . . . . . . . . $ 4,123,059.48

LIABILITIES Demand deposits ........... .,. .... . Time deposits .................... . Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
dtvistons ....................... . 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, 730,929.34 1,697,665.40
11,961.29
309,964.13 30,804.42
3,498.21 None
None None 100,000.00 125,000.00 103,236.69 10,000.00

Total Liabilities ............... $ 4,123,059.48

STATEMENT
Showing condition at the close of business December 31, 1964, 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. . . . . Obliga~i'?n.s of States and political
subdivisions . . . . . . . . . . . . . . . . . . . . Other bonds, notes, and debentures
Corporate stocks (including stock of
Federal Reserve Bank).......... Loans and discounts (including over4
drafts) . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises owned, furniture and fixtures . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank
premises . . . . . . . . . . . . . . . . . . . . . . . . Investments and other assets indi4
rectly representing bank premises
or other real estate. . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other Assets . . . . . . . . . . . . . . . . . . . . . .

:J65,599.72 3(i6,304.53
None None None 1,44:l,:l89.02 18,832.15 None
None None 3,120.00

Total Assets ................. . 2,197,245.42

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

1,131,966.01 488,445.36 18,635.87
268,854.11 None
9,201.12 None
None None 50,000.00 150,000.00 80,142.95 None

Total Liabilities .............. $ 2,197,245.42

164

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1964, 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

R. R. COPELAND, Cashier.
Began Business: 1-31-1905

ASSETS

Cash, balances with other banks, in-

cluding reserve balances, and cash

items in process of collection ....

253,315.27

United States Government obliga-

tions, direct and guaranteed .....

575,389.6:;

Obliga~i'?n.s of States and political

subdtVlSlODS .................... .

96,444.56

Other bonds, notes, and debentures

110,068.74

Corporate stocks (including stock of

Federal Reserve Bank) .......... .

None

Loans and discounts (including over~

drafts) ........................ .

668,753.4(i

Bank premises owned, furniture and

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

4,667.59

Real estate owned other than bank

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

None

Investments and other assets indi-

rectly representing bank premises

or other real estate ............. .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

Assets

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

None
-----

Total Assets ................. . ),708,6:l9.21i

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

665,u~4.Sil 657,136.5~
22,340.1 ~
140,685.33 None
3,890.04 None
None 10,000.00 50,000.00 50,000.00 98,702.29 10,000.00
1, 70S,Ii:l9.25