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,X9.42 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~id 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 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 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~i9.88 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~iO,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.(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 :JH 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!iK.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,: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,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 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: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!i25,72fi.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.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~i7 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