Fifty-second annual report [1971]

1971
fiFTY SECOND ANNUAL REPORT

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DEPARTMENT OF BANKING STATE OF GEORGIA
BY
SUPERINTENDENT OF BANKS

Department of Banking
State of Georgia
Fifty -Second Annual Report
Year Ending December 31, 1971
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.

TABLE OF CONTENTS
Summary of Condition and Structural Changes....................................................... iii Official Roster .................................................................... .............................. v Receipts, Disbursements, and Revenue Collections................................................... VI Legal Holidays .................................................................................................. vii Roster of Superintendents of Banks....................................................................... vii Summary of Activities of Banks........................................................................... . List of State Chartered Banks and Bank Offices....................................................... 11 Abstract of Reports of Condition- Chartered Banks............................................... 16 Summary Statements of Condition for State Chartered Banks..................................... 17 Summary of Activities of Regulated Certificated Banks ............................................. 30 List of Regulated Certificated Banks...................................................................... 31 Abstract of Reports of Condition - Regulated Certificated Banks............................... 32 Summary of Statements of Condition for Regulated Certificated Banks ........................ 33 Abstract of Reports of Condition- State Chartered Credit Unions ............................ 35 List of State Chartered Credit Unions .................................................................... 36 Firms Licensed Under Georgia Sale of Checks Act. .................................................. 41
11

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN STATE BANKS AND CREDIT UNIONS IN 1971

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 373 State chartered and certificated banks, 143 Credit Unions and 9 licensed money order companies operating in this State, and other statistical information made available through examinations and investigations of banks and other financial institutions under the supervision of the Department of Banking. The purpose of this report is to provide factual and statistical information that might prove useful to the banking industry, and may be used by other individuals and financial institutions who might be engaged in economic studies and might otherwise be interested.
Banking Division
The year-end call reports reflect an unprecedented growth for State chartered and certificated banks. Total assets for the 373 State banks amounted to $4,949,298,443, reflecting an increase of $766,743,240 or 18.5%. Total cash and due from banks amounted to $635,224,041 or 12.8% of total assets and investments in securities of $1,226,439,046 amounted to 25.1% of total assets. Loans and Discounts aggregated $2,892,571,498 or 58.2% of total assets, while investments in Fixed and Other Assets totaled $195,063,858 or 3.9% of total assets.
Deposits totaling $4, 172,611,716 reflected an increase of 17.5% over the previous year. Total capital funds for all banks reached $416,997,490 or 8.4% of total assets. Common capital represented 2.4% of total assets, showing a slight increase while the ratio of total capital funds to risk assets declined to 10.9%. Capital funds to total deposits amounted to 9.9% at year end.
County-wide Branch Banking was allowed in Georgia for the first time effective January 1, 1971, and as a direct result of this act, 61 bank offices or facilities were opened for business during 1971 while an additional41 offices were approved, but had not yet opened at December 31. Seven charters were dissolved or surrendered through merger under the new branching law with four being mergers into other state banks and

three into national banks. Charters for four new banks were approved during the year and five certificated banks converted to chartered status. There remain only 10 regulated certificated banks in Georgia and five of that number have been granted deposit insurance coverage by the Federal Deposit Insurance Corporation.
Credit Union Division
Credit Unions have experienced the largest growth in their history. Consolidated financial and statistical reports of one hundred forty-three Credit Unions reflect an increase in assets of $31,684,038 representing approximately 22%. Loans increased $17,937,081, or 14.89%, while deposits increased $29,810,361 or 22.26%. In addition to loans made to the members representing approximately 78% of total assets, Credit Union investments in time certificates of deposits, savings certificates, U.S. Government obligations and other authorized and approved securities amount to approximately 17% of assets. The net operating income for 1971 is $10,258,076, of which 60.59% or $8,740,630 was distributed to the members in the form of dividends and interest on shares and deposits.
Eighteen Credit Unions have now been insured through the National Credit Union Administration, an agency of the Federal government. Through this program, deposits of the members are insured up to $20,000. Applications of eight other Credit Unions are pending. In addition, several other Credit Unions have indicated that they are preparing applications to be submitted soon.
Sale of Checks Act
The Georgia Sale of Checks Act enacted in 1965 provides for the regulation and licensing of the business of selling or issuing checks, money orders, other payment instruments or similar payment papers. Nine companies with a total of 1973 Agents throughout the State have been licensed to do business under the Act for the year 1972. These companies have provided surety bonds to the State in accordance with the provisions of the Act and have satisfied the Superintendent of Banks as to their financial responsibility.

lll

lV

OFFICIAL ROSTER

December 31, 1971

ANNUAL SALARY
Jackson, W.M., Superintendent of Banks ............................................................................................$26,634 Moler, Robert M., Assistant Superintendent of Banks ............................................................................ 15,738 Callier, Robert H., Jr., Examiner IV .................................................................................................. 16,506 West, Ashburn T., Examiner IV ........................................................................................................ 16,506

BANK EXAMINERS III
Aycock, M.T., Clarkston ................................................................................................................. 13,650 Burge, Charles W ., Lithonia ....... ... .. .. ... ........ ... ...... ....... ....... .. .. ... .. ........... ..... .................................... II ,298 Gower, James G., Atlanta ................................................................................................................ 10,782 Hardy, Jackson D., Atlanta .............................................................................................................. 11,298 Hinton, William A., Jr., Doraville ..................................................................................................... 10,782 Johnston, David R., Albany ............................................................................................................. 10,290 Miller, Hubert C., Dudley ................................................................................................................ II ,838 Mimbs, Norman E., McRae ............................................................................................................. 13,014 Morris, Reece V., Doraville .............................................................................................................. 13,014 Peugh, Calvin D., Ellenwood ............................................................................................................ 10,290 Rigsby, James H., Jr., Atlanta .......................................................................................................... 10,290 Sams, M.O., Atlanta ....................................................................................................................... 13,650 Shannon, William E., Jr., Albany ...................................................................................................... 13,650 Smith, Edgar B., III, Tucker ............................................................................................................. 13,650

BANK EXAMINERS II
Atkins, William D., Albany .............................................................................................................. 9,378 Caldwell, Robert B., Ill, Decatur....................................................................................................... 9,822 Chipman, Joseph D., Jr., Lithonia ..................................................................................................... 9,378 Davis, James W., Albany ................................................................................................................. 9,822 Davis, Wayne G., Albany ................................................................................................................ 9,378 DeVenny, James D., Decatur............................................................................................................ 9,822 Giddens, Huey D., Jr., East Point...................................................................................................... 9,378 Griswold, James H., Albany ............................................................................................................. 11,298 Hobbs, JohnS., Albany ........... ................... ............... ...................................... .. ....... ......... .... ....... ... 9,822 Lewis, David G., Tucker .................................................................................................................. 10,290 Pennell, John H., II, Atlanta............................................................................................................. 9,822 Pitts, William D., Atlanta................................................................................................................. 9,378 Proctor, Thomas E., Dublin.............................................................................................................. 9,822 Reid, Michael N., Atlanta................................................................................................................ 9,822 Sutton, Frederick W., Dublin............................................................................................................ 9,822 Wrenn, Donald R., Dublin ................................................................................................. ..... ...... .. 9,378 Young, John F., Atlanta.................................................................................................................. 9,822

BANK EXAMINERS I
Bennett, Harry K., Jr., Alma ............................................................................................................ Bullard, Albert F., Ill, Atlanta.......................................................................................................... Cansler, Clyde H., Jr., Dublin........................................................................................................... Guy, Kenneth M., Douglasville ........................................................................ ............................. .... Mills, James F., Wadley...................................................................................................................

8,538 8,946 8,538 8,538 8,538

OFFICE ASSISTANTS
Benefield, C. Jeannie, Stenographer III ............................................................................................... Cox, Lillie M., Typist II ..................................................................................... ............................. Ethridge, L. Jean, Typist III ............................................................................................................. Hobbs, Belinda M., Stenographer III.................................................................................................. Lee, Dorothy L., Accounting Assistant ............................................................................................ ... Moore, Barbara U., Stenographer III .... .. ...... .. .... .. ....... .. ....... ....... ... ... .. .... .. .. .... .. .... .. .... ............ .......... Rogers, Thomas D., Clerk II ............................................................................................................ Tucker, Ruby S., Stenographer IV ....... .............................................................. ................................ Wiggins, Frances R., Typist II...........................................................................................................

5,910 5,646 7,782 5,910 9,378 6, 774 5,910 9,378 5,646

CREDIT UNION DIVISION
Martin, E.G., Supervisor .................................................................................................................. 13,650 Coffin, Zimri L., Credit Union Examiner ...................................................................................... ...... 9,378 Fitzgerald, William A., Ill, Credit Union Examiner............................................................................... 8,946 Loomis, George D., Credit Union Examiner ................................................................................... ..... 8,946 Smith, C. Craig, Credit Union Examiner ..... ..... .. ......... ................ .... .. .. .. .. ....... ... ...... .. .. .. .................... .. 8, I 54

v

RECEIPTS AND DISBURSEMENTS 1971

RECEIPTS Balance January I, 1971 ............................................................. $ 4,539.60 Received from Appropriation ...................................................... SO I, 739.33 Miscellaneous Income ........ .. .. .. ...... .. .... .. .... .. .. ..... .. .. .. .. ..... .. .. ... .. . 555.00

$S06,833.93

DISBURSEMENTS Salaries ...................................................................................$577,877.14 Per Diem and Fees ..... ............................................................... 988.52 Travel Expenses ........................................................................ 122,238.87 Supplies and Materials............................................................... 7,214.09 Communication........................................................................ 3,117.04 Printing and Publicity ................................................................ 6, 752.13 Repairs and Alterations.............................................................. I,307.36 Rents (Equipment) .................................................................... 2, 777.49 Insurance and Bonding............................................................... S12.00 Pensions.................................................................................. 7S, 115.27 Equipment............................................................................... 3,224.51 Miscellaneous........................................................................... 687.00
S05, 111.42
Balance December 31, 1971 .............................................................................. $ 1,722.51

REVENUES COLLECTED Bank Examination Fees .............................................................. $756,536.00 New Bank and Bank Office Investigation Fees ................................ 21,700.00 Credit Union Examination Fees................................................... 51,033.99 Credit Union Supervision Fees..................................................... 26,475.37
Sale of Checks License Fees ' 2,250.00

$S57 ,995.36

Total Fees remitted to State Treasury

-857,995.36

Balance December 31, 1971 .............................................................................. $ -0-

VI

LEGAL HOLIDAYS
January I - New Year's Day January I9 - Robert E. Lee's Birthday February 22- George Washington's Birthday (Observed Third Monday in February) April 26 - Confederate Memorial Day May 30 - National Memorial Day (Observed Last Monday in May) June 3 -Jefferson Davis' Birthday July 4 - Independence Day First Monday in September - Labor Day October 12 - Columbus Day (Observed on Second Monday in October) November II - Veterans 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)

ROSTER OF SUPERINTENDENTS OF BANKS OF GEORGIA

NAME

DATE OF APPOINTMENT

DATE SERVICE ENDED

T.R. Bennett ....................................................November I7, I9I9 ................................January I, I927 A.B. Mobley ....................................................January I, I927 .....................................September 24, I93I W.J. Davis .......................................................September 24, I93I ................................January I, I932 R.E. Gormley ...................................................January I, I932 .....................................0ctober 6, I936 R.R. Tippins ....................................................October 6, l936.....................................January II, I937 John C. Beasley ................................................January II, I937 ...................................January 25, I937 R.E. Gormley ...................................................January 25, I937 ...................................January l, I940 C.B. Golsan, Acting Supt ...................................January l, I940 .....................................January I4, I94I John C. Beasley ................................................January I4, I941 ...................................March 2I, 1947 0. G. Jackson ..................................................March 22, 1947 ..................................... November 18, 1948 A.P. Persons .................................................... November 18, 1948 ................................June 6, 1960 W.O. Trippe ....................................................July 1, 1960 ..........................................Ju1y 15, 1963 W.M. Jackson, Acting Supt. ................................July I6, 1963 ........................................ February 16, 1964 W.M. Jackson .................................................. February 17, 1964..................................December 31, 1971

Vll

SUMMARY OF ACTIVITIES OF BANKS
CHARTERS APPROVED

NAME OF BANK

LOCATION

The Citizens and Southern Bank of Henry County
Lamar State Bank American Banking Company Walker County Bank

McDonough Barnesville Moultrie LaFayette

APPROVED
3-31-71 4-13-71 8-13-71 11-15-71

CONVERSIONS FROM REGULATED CERTIFICATED TO STATE BANKS APPROVED

NAME OF BANK

LOCATION

APPROVED

The Exchange Bank The Park Avenue Bank Pavo State Bank Citizens Bank to Citizens State Bank Commercial Bank

Douglas Valdosta Pavo Kingsland Tallapoosa

5-10-71 6-21-71 6-22-71 9-17-71 10-28-71

RENEWAL OF CHARTERS APPROVED

NAME OF BANK

,

The Claxton Bank

LOCATION Claxton

Bank of Union Point

Union Point

Bank of Early

Blakely

Northeastern Banking Company

Commerce

Bank of Screven County

Sylvania

The Bank of Toccoa

Toccoa

The Hinesville Bank

Hinesville

Bank of Dawson

Dawson

LaGrange Banking Company

LaGrange

Farmers State Bank

Lumpkin

The Four County Bank

Allentown

Trust Company of Georgia

Atlanta

The Citizens Bank

Folkston

Bank of Hiawassee

Hiawassee

The Farmers Bank

Union Point

Jones County Bank

Haddock

Tri-County Bank of Royston

Royston

The Bank of Dalton

Dalton

Bank of Chickamauga

Chickamauga

Farmers and Merchants Bank of Thomas

County

Coolidge

The Citizens Bank and Trust Company

Bainbridge

Fairburn Banking Company

Fairburn

Farmers State Bank

Lincolnton

1

APPROVED
1-19-71 2-9-71 3-3-71 3-22-71 3-22-71 3-31-71 5-17-71 5-18-71 6-8-71 6-18-71 6-24-71 7-12-71 7-13-71 7-20-71 7-20-71 7-23-71 8-3-71 8-20-71 9-9-71
10-13-71 10-29-71 10-29-71 ll-16-71

SUMMARY OF ACTIVITIES OF BANKS- Continued

PERMITS TO ENTER VOLUNTARY LIQUIDATION

NAME OF BANK

LOCATION

The Citizens and Southern Bank of Chatham County
The Citizens and Southern Bank of Richmond County

Savannah Augusta

NAME OF BANK
The Catoosa County Bank West Central Georgia Bank

DISAPPROVAL OF CHARTERS
LOCATION
Ringgold Thomaston

APPROVED 12-6-71
Eff. 12-8-71 12-6-71
Eff. 12-8-71
DISAPPROVED 5-5-71 12-7-71

NAME OF BANK
First Bank of South DeKalb Trust Company of Georgia
Bank of Sandy Springs Trust Company of Georgia
Bank of DeKalb

APPROVAL OF MERGERS

LOCATION

DATE OF APPROVAL

Decatur Atlanta Atlanta

Eff. 3-1-71 3-29-71 Eff. 4-1-71 6-23-71 Eff. 6-28-71

TO MERGE WITH
The First National Bank of Atlanta Trust Company of Georgia, Atlanta Trust Company of Georgia, Atlanta

PERMITS TO BEGIN BUSINESS - NEW BANKS

NAME OF BANK

LOCATION

ISSUED

Gwinnett County Bank Gwinnett Commercial Bank American Banking Company

Snellville Lawrenceville Moultrie

3-2-71 9-3-71 9-24-71

TO BEGIN BUSINESS
3-4-71 9-16-71 10-1-71

APPLICATIONS TO INCREASE OUTSTANDING CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

AMOUNT OF INCREASE

APPROVED

FROM

TO

Luthersville Banking Company The Citizens Bank of Swainsboro Farmers and Merchants Bank of Coolidge The Citizens Bank The Geo. D. Warthen Bank Rossville Bank The Citizens Bank The Commercial Bank The Merchants & Citizens Bank The South Cobb Bank Abbeville State Bank Etowah Bank

Luthersville Swainsboro Coolidge Gainesville Sandersville Rossville Folkston Douglasville McRae Mableton Abbeville Canton

1-13-71 1-19-71 1-19-71 1-19-71 1-21-71 1-25-71 1-25-71 1-28-71 1-28-71 1-29-71 2-2-71 2-2-71

$ 50,000 200,000 50,000 600,000 200,000 375,000 200,000 500,000 100,000 312,500 75,000 250,000

$ 60,000 600,000 100,000 720,000 400,000 540,000 250,000 600,000 300,000 417,500 100,000 500,000

2

SUMMARY OF ACTIVITIES OF BANKS- Continued

APPLICATIONS TO INCREASE OUTSTANDING CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

AMOUNT OF INCREASE

APPROVED

FROM

TO

Toney Brothers Bank The Brand Banking Company Citizens Bank The Bank of LaFayette The Morris State Bank Marietta Commercial Bank The Farmers Bank Farmers & Merchants Bank Cobb County Bank Clayton County Bank Citizens Bank Citizens State Bank Farmers and Merchants Bank Cook Banking Company Metter Banking Company Sea Island Bank Bank of Ringgold Habersham Bank Bank of Camilla Bulloch County Bank Bank of Fort Valley The Citizens and Southern Bank of
Clayton County Farmers and Merchants Bank of Senoia Bank of Clayton The Citizens and Southern Bank
of Stone Mountain Bank of Midville Columbus Bank and Trust Company Bank of Milan Bank of Gibson Bank of Temple The Bank of Edison The Pulaski Banking Company The Pembroke State Bank Bank of Forest Park The State Bank of Leesburg The Blackshear Bank First Bulloch Bank & Trust Company Baxley State Bank Commercial Bank & Trust Company The Citizens and Southern Bank
of Cobb County First-Palmetto Bank Pavo State Bank Bank of Hiawassee First Bank of Savannah The Hinesville Bank Citizens Bank of Hapeville The Peoples Bank Cairo Banking Company Peachtree Bank & Trust Company The Crawford County Bank

Doerun Lawrenceville Cuthbert LaFayette Dublin Marietta Union Point Brooklet Powder Springs Riverdale Vienna Warner Robins Lakeland Cochran Metter Statesboro Ringgold Clarkesville Camilla Statesboro Fort Valley
Forest Part Senoia Clayton
Stone Mountain Midville Columbus Milan Gibson Temple Edison Hawkinsville Pembroke Forest Park Leesburg Blackshear Statesboro Baxley Griffin
Austell Palmetto Pavo Hiawassee Savannah Hines\ille Hapeville Carrollton Cairo Chamblee Roberta

2-3-71 2-3-71 2-3-71 2-3-71 2-5-71 2-g-71 2-9-71 2-10-71 2-16-71 2-16-71 2-17-71 2-17-71 2-1 g-71 2-22-71 2-24-71 2-25-71 2-26-71 3-2-71 3-3-71 3-g-7) 3-12-71
3-16-71 3-22-71 3-29-71
3-31-71 4-6-71 4-g-7) 4-g-7) 4-22-71 4-27-71 5-6-71 5-11-71 5-11-71 5-17-71 5-26-71 5-27-71 6-2-71 6-g-7) 6-23-71
7-12-71 7-13-71 g-13-71 g-)7-71 g-19-71 g-20-71 8-20-71 g-30-71 9-l-71 9-3-71 9-20-71

50,000 200,000 150,000 300,000 200,000 420,000 100,000
50,000 200,000 300,000
50,000 405,000
50,000 90,000 150,000 400,000 100,000 125,000 100,000 300,000 300,000
200,000 30,000 100,000
JgO,OOO 25,000 2,945,250 70,000 25,000 25,000 150,000 100,000 75,000 550,000 50,000 100,000 350,000 150,000 goo,ooo
600,000 50,000 75,000 100,000
325,000 150,000 goo,ooo 300,000 200,000 450,000 50,000

100,000 400,000 300,000 400,000 330,000 560,000 200,000 100,000 300,000 350,000 200,000 607,500 100,000 200,000 250,000 460,000 120,000 275,000 200,000 350,000 450,000
240,000 60,000
250,000
297,000 50,000
3,065,250 105,000 50,000 62,000 200,000 150,000 150,000 650,000 100,000 200,000 362,500 230,000
1,600,000
I ,500,000 75,000 90,000 150,000
525,000 330,000 900,000 400,000 300,000 510,000
60,000

3

SUMMARY OF ACTIVITIES OF BANKS- Continued

APPLICATIONS TO INCREASE OUTSTANDING CAPITAL STOCK APPROVED

NAME OF BANK
The Farmers Bank The Commercial Bank Savannah Bank and Trust Company
of Savannah Bank of Acworth Bank of Stapleton Buford Commercial Bank Fairburn Banking Company Bank of Chickamauga Citizens Bank Bank of Ringgold Merchants and Farmers Bank of Comer Farmers State Bank Bank of Villa Rica First Bank & Trust Company The Citizens Bank and Trust Company Bank of Cumming The Peoples Bank Union County Bank The Citizens Trust Company

LOCATION
Douglas Bowdon
Savannah Acworth Stapleton Buford Fairburn Chickamauga Ball Ground Ringgold Comer Lincolnton Villa Rica Albany Bainbridge Cumming Eatonton Blairsville Atlanta

APPROVED
9-28-71 9-30-71

AMOUNT OF INCREASE

FROM

TO

600,000 150,000

750,000 300,000

I0-6-71 I0-6-71 I0-20-71 I0-26-71 I0-29-71 11-3-71 11-10-71 11-10-71 ll-ll-71 11-16-71 11-16-71 12-2-71 12-8-71 12-15-71 12-17-71 12-27-71 12-28-71

2,287,755 220,000 50,000 200,000 175,000 100,000 90,000 120,000 50,000 100,000 100,000
1,100,000 200,000 350,000 100,000 200,000 879,750

2,289,885 264,000 100,000 225,000 275,000 200,000 155,000 240,000 100,000 200,000 200,000
1,150,000 500,000 400,000 150,000 250,000 897,345

APPLICATIONS TO INCREASE OR REDUCE(-) UNISSUED SHARES APPROVED

NAME OF BANK

LOCATION

APPROVED AMOUNT SHARES

Sea Island Bank
Columbus Bank and Trust Company
Bank of Temple
The Citizens and Southern Bank of LaGrange
First Bulloch Bank & Trust Company
The Citizens and Southern Bank of Cobb County
Pavo State Bank First Bank of Savannah The Hinesville Bank Peachtree Bank and Trust Company The Commercial Bank Citizens Bank Trust Company of Georgia Savannah Bank and Trust Company
of Savannah
Citizens Trust Company First Bank and Trust Company

Statesboro
Columbus
Temple
LaGrange Statesboro
Austell Pavo Savannah Hinesville Chamblee Bowdon Ball Ground Atlanta
Savannah
Atlanta Albany

2-25-71 3-I0-71 3-30-71
4-27-71 7-29-71 12-1-71
5-26-71 6-2-71 12-1-71
7-12-71 8-13-71 8-19-71 8-20-71 9-3-71 9-30-71 11-I0-71 12-7-71
6-2-71 I0-6-71 12-28-71 12-2-71

$ 50,000 (-) 10,000
179,750 (-) 120,000
50,000 (-) 10,000 (-) 2,000
50,000 50,000 (-) 12,500
120,000 110,000 475,000 670,000 65,000 200,000 25,000 (-) 180,000
(-) 1,470
(-) 660 (-) 17,595 (-) 50,000

5,000 (-) 1,000
35,950 (-)24,000
5,000 (-) 1,000 (-) 200
5,000 2,000 (-) 500
12,000 11,000 4,750 67,000 26,000 20,000 2,500 (-)30,000
(-) 294 (-) 660 (-) 1,759112 (-) 5,000

4

SUMMARY OF ACTIVITIES OF BANKS - Continued

APPLICATIONS TO ISSUE CAPITAL NOTES AND DEBENTURES APPROVED

NAME OF BANK

LOCATION

APPROVED AMOUNT

The Peoples Bank The Citizens Bank of Douglasville Farmers and Merchants Bank of Senoia The Citizens and Southern Bank
of East Point The Citizens and Southern Bank
of Albany

Cleveland Douglasville Senoia
East Point
Albany

1-15-71 5-4-71 5-6-71
6-16-71
6-21-71

$100,000 281,400 70,000
500,000
500,000

TYPE
C. Note C. Deb. C. Note
C. Note
C. Note

APPLICATIONS TO ISSUE CAPITAL NOTES AND DEBENTURES APPROVED

NAME OF BANK
Bank of Terrell Georgia Railroad Bank & Trust Company Bank of Terrell The Citizens State Bank The Citizens and Southern Bank
of LaGrange Concord Banking Company

LOCATION
Dawson Augusta Dawson Butler
LaGrange Concord

APPROVED
6-28-71 10-28-71 11-4-71 I 1-17-71

AMOUNT
100,000 2,000,000
100,000 250,000

11-23-71 12-6-7 I

500,000 37,500

TYPE
C. Notes C. Notes C. Notes C. Notes
C. Deb. C. Note

APPLICATIONS TO REDUCE PAR VALUE OF CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

PAR VALUE REDUCED

FROM

TO

APPROVED

Rossville Bank The Morris State Bank Marietta Commercial Bank Citizens State Bank Habersham Bank Farmers and Merchants Bank of Senoia The Citizens Bank Bank of Temple The Pulaski Banking Company Bank of Upson Bank of Dawson Farmers and Merchants Bank First-Palmetto Bank Cairo Banking Company Peachtree Bank and Trust Company The Commercial Bank Bank of Ringgold

Rossville Dublin Marietta Warner Robins Clarkesville Senoia Hogansville Temple Hawkinsville Thomaston Dawson Summerville Palmetto Cairo Chamblee Bowdon Ringgold

$ 50 100 10 10 25 50 100 100 100 10 100 100 25 100 5 100 100

$25 10 I 5 5 10 10 10 10 I 10 5 5 5 2.50 10 5

I-25-7 I 2-5-7 I 2-8-7 I 2-17-71 3-2-7 I 3-22-71 3-24-71 4-27-71 5- I I-71 5-17-71 5-18-71 5-25-7 I 7-13-71 9- I-7 I 9-3-7 I 9-30-71 I 1-10-7 I

5

SUMMARY OF ACTIVITIES OF BANKS -Continued

MISCELLANEOUS APPLICATIONS TO AMEND CHARTERS APPROVED

NAME OF BANK

LOCATION

NATURE OF AMENDMENT

Luthersville Banking Company
Farmers and Merchants Bank of Coolidge
The Citizens Bank of Tifton The Bank of Warner Robins
Marietta Commercial Bank
Sea Island Bank

Luthersville
Coolidge Tifton Warner Robins Marietta Statesboro

To change location from Luthersville to Warm Springs; To change name to FIRST AMERICAN BANK
To change name to: FARMERS AND MERCHANTS BANK OF THOMAS COUNTY To acquire TRUST POWERS To change name to THE CITIZENS AND SOUTHERN BANK To change name to COMMERCIAL BANK OF COBB COUNTY To acquire TRUST POWERS

APPROVED
l-13-71
1-19-71 1-28-71 2-4-71 2-8-71 2-25-71

MISCELLANEOUS APPLICATIONS TO AMEND CHARTERS APPROVED

NAME OF BANK Bulloch County Bank

LOCATION Statesboro

The Citizens and Southern Bank of Stone Mountain

The Citizens and Southern Bank of East Point

The Park Avenue Bank Bank of Temple
Bank of Cumming The Peoples American Bank
of Atlanta

Valdosta Temple
Cumming
Atlanta

NATURE OF AMENDMENT
To change name to FIRST BULLOCH BANK & TRUST COMPANY; and to acquire TRUST POWERS To change name to THE CITIZENS BANK OF GEORGIA To change name to THE CITIZENS AND SOUTHERN BANK To acquire TRUST POWERS To change name to BANK OF CARROLL COUNTY To acquire TRUST POWERS
To change name to FIRST GEORGIA BANK

APPROVED
3-8-71
3-31-71
5-27-71 6-21-71 9-10-71 12-15-71
12-28-71

Parent Bank
Trust Company of Georgia
The Peoples American Bank Bank of the South Citizens Bank, Folkston

BRANCH BANKS AS OF DECEMBER 31, 1971

Branch Bank

Location

East Atlanta Branch Bank Foreign Branch Bank Johnson Road Branch Bank College Park Branch Bank Nahunta Branch Bank

514 Flat Shoals Avenue, Atlanta Nassau, Bahamas 1834 Johnson Road, Atlanta 1876 Princeton Avenue, College Park Nahunta, Georgia

6

BANK OFFICES/FACILITIES APPROVED BUT UNOPENED DECEMBER 31, 1971

PARENT BANK
The Citizens and Southern Emory Bank DeKalb Exchange Bank The Peoples American Bank of Atlanta Georgia Railroad Bank & Trust Company
The Citizens and Southern Bank Cobb County
Buford Commercial Bank Peachtree Bank and Trust Company
Habersham Bank Bank of the South Columbus Bank and Trust Company Merchants and Farmers Bank of Comer Bank of Covington The Citizens and Southern South
DeKalb Bank The Citizens Bank of Douglasville The Bank of Duluth The Pulaski Banking Company Central Bank and Trust Company The Citizens and Southern Bank
of LaGrange The Brand Banking Company Cobb Exchange Bank The Citizens and Southern Bank
of Milledgeville Exchange Bank The Pembroke State Bank Clayton County Bank St. Simons State Bank Citizens Bank of Washington County First Bank of Savannah
Bank of Smyrna First Bulloch Bank & Trust Company
Sea Island Bank Farmers & Merchants Bank The Central Bank The Citizens Bank of Swainsboro Bank of Upson Citizens & Southern Bank of Thomaston Bank of Barrow

LOCATION
Atlanta Atlanta Atlanta Augusta
Austell
Buford Chamblee
Clarkesville College Park Columbus Comer Covington
Decatur Douglasville Duluth Hawkinsville Jonesboro
LaGrange Lawrenceville Marietta
Milledgeville Milledgeville Pembroke Riverdale St. Simons Sandersville Savannah
Smyrna Statesboro
Statesboro Summerville Swainsboro Swainsboro Thomaston Thomaston Winder

BANK OFFICE/FACILITY
Northlake Mall Office Suburban Plaza Office Ansley Mall Drive-In Facility Hephzibah Office Windsor Spring Road Office
Interstate North Office Smyrna Office South Buford Office Embry Hills Office Georgetown Office South Habersham Office Perimeter Office Forest Road Office Colbert Office North Office
South DeKalb Office Highway 5 Bank Office Suwanee Office Drive-In Facility Tara Facility
Commerce Office Snellville Office Westside Office
Hatcher Square Office Northside Office Richmond Hill Office North Clayton Office Altama Bank Office Southside Office Garden City Office Skidaway Office Four Lane Office Portal Office Statesboro Mall Office Savannah Avenue Office Trion Office South Main Office Adrian Office North Creek Office Northside Bank Office Holly Hill Office

LOCATION
Tucker Decatur Atlanta Hephzibah Augusta
Atlanta Smyrna Buford Chamblee Chamblee Baldwin College Park Columbus Colbert Covington
Decatur Douglasville Suwanee Hawkinsville Jonesboro
LaGrange Snellville Marietta
Milledgeville Milledgeville Richmond Hill College Park Brunswick Sandersville Garden City Savannah Smyrna Portal Statesboro Statesboro Trion Swainsboro Adrian Thomaston Thomaston Winder

7

SUMMARY OF ADDITIONS AND DELETIONS DURING 1971

Banks

Branches Bank Offices & Facilities

IN OPERATION JANUARY 1, 1971....................................................................... 362

123

BANKS OPENING DURING YEAR...................................................................... +3 Gwinnett County Bank, Snellville Gwinnett Commercial Bank, Lawrenceville American Banking Company, Moultrie

REGULATED CERTIFICATED BANKS CONVERTING DURING YEAR................. +5 The Exchange Bank, Douglas Citizens Bank, Kingsland, to Citizens State Bank Pavo State Bank, Pavo Commercial Bank, Tallapoosa The Park Avenue Bank, Valdosta

BANKS DELETED BY MERGERS OR VOLUNTARY LIQUIDATION...................... -7 Trust Company of Georgia Bank of DeKalb, Atlanta Trust Company of Georgia Bank of Sandy Springs, Atlanta The Citizens and Southern Bank of Richmond County, Augusta Metropolitan State Bank, Augusta (Approved 1970; Effective 1-1-71) Richmond County Bank, Augusta (Approved 1970; Effective 1-1-71) First Bank of South DeKalb, Decatur The Citizens and Southern Bank of Chatham County, Savannah

BANK OFFICES/FACILITIES OPENING DURING YEAR.................................................... +65 Adel Banking Company, Adel Sparks Bank Office, Sparks The Citizens and Southern Bank of Albany, Albany Westgate Office, Albany Fulton Exchange Bank, Alpharetta Roswell Office, Roswell The Citizens and Southern Emory Bank, Atlanta Covington Highway Office, Decatur DeKalb County Bank, Atlanta Williamsburg Office, Atlanta Trust Company of Georgia, Atlanta Northlake Office, Tucker Perimeter Mall Office, Atlanta Pleasantdale 1-85 Office, Doraville Rockbridge-Memorial Drive Office, Stone Mountain Sandy Springs Office, Atlanta South DeKalb Office, Decatur Stone Mountain Industrial Office, Tucker Executive Park Office, Atlanta Georgia Railroad Bank & Trust Company, Augusta Metropolitan State Bank Office, Augusta Miracle Mile Office, Augusta Richmond County Bank Office, Augusta Wrightsboro Road Office, Augusta The Citizens and Southern Bank of Cobb County, Austell Marietta Square Office, Marietta North Fourlane Office, Mareitta Windy Hill Office, Marietta

8

SUMMARY OF ADDITIONS AND DELETIONS DURING 1971 -Continued
Branches Bank Offices Banks & Facilities
Bank Offices/ Facilities Opening During 1971 - Continued
Buford Commercial Bank, Buford Drive-In Facility, Buford
Cairo Banking Company, Cairo U.S. 84 Drive-In Facility, Cairo
Bank of Canton, Canton South Canton Office, Canton
Bank of Clayton, Clayton Valley Office, Dillard
The Peoples Bank, Cleveland Helen Office, Helen
Trust Company of Columbus, Columbus Buena Vista Road Office, Columbus
Farmers and Merchants Bank of Thomas County, Coolidge Ochlochnee Office, Ochlochnee
Hardwick Bank & Trust Company, Dalton Bry-Man's Plaza Facility, Dalton
The Farmers Bank, Douglas Southside Office, Douglas
The Commercial Bank, Douglasville Lithia Springs Office, Lithia Springs
Citizens and Southern Bank of Dublin, Dublin East Dublin Office, East Dublin
The Morris State Bank, Dublin Dublin Mall Office, Dublin
The Citizens and Southern Bank, East Point College Park Office, East Point North Springs Office, East Point
The Citizens Bank, Nahunta Branch, Nahunta Hoboken Office, Hoboken
Bank of Forest Park, Forest Park Jonesboro Office, Jonesboro
The Citizens and Southern Bank of Clayton County, Forest Park South Clayton Office, Jonesboro
Central Bank and Trust Company, Jonesboro Farmers Market Office, Forest Park
Northeast Georgia Bank, Lavonia Canon Office, Canon
The South Cobb Bank, Mableton Cobb General Office, Marietta
Commercial Bank of Cobb County, Marietta Canton Road Plaza Office, Marietta
The Farmers Bank, Monroe Monroe Plaza Office, Monroe
The Citizens and Southern Bank of Gwinnett, Norcross Norcross-Tucker Road Office, Norcross
Gwinnett Bank & Trust Company, Norcorss Lilburn Square Office, Lilburn Rockbridge Office, Norcross
First-Palmetto Bank, Palmetto Godby Road Office, College Park
9

SUMMARY OF ADDITIONS AND DELETIONS DURING 1971 -Continued

Banks

Branches Bank Offices & Facilities

Bank Offices/Facilities Opening During 1971 - Continued

The Bank of Perry, Perry Eastgate Office, Perry
Cobb County Bank, Powder Springs Austell Road Bank Office, Austell Kennesaw Office, Kennesaw
Bank of Ringgold, Ringgold Nashville Street Facility, Ringgold
Clayton County Bank, Riverdale Arrowhead Office, Jonesboro
The Rome Bank and Trust Company, Rome East Rome Office, Rome
Rossville Bank, Rossville Chattanooga Valley Office, Flintstone
Roswell Bank, Roswell North Springs Office, Atlanta
First Bank of Savannah, Savannah Habersham Woods Office, Savannah
Industrial Bank of Savannah, Savannah West Chatham Office, Pooler
Savannah Bank and Trust Company of Savannah, Savannah Largo Office, Savannah Wilmington Island Office, Savannah
Bank of Smyrna, Smyrna Concord Road Facility, Smyrna
The Citizens and Southern Springfield Bank, Springfield Rincon Office, Rincon
The Citizens Bank of Georgia, Stone Mountain Memorial Drive Office, Stone Mountain
Bank of Thomson, Thomson Hill Street Office, Thomson
The Citizens Bank, Toccoa The Citizens Bank Office, Toccoa
First State Bank, Valdosta Northside Office, Valdosta
First American Bank, Warm Springs Luthersville Bank Office, Luthersville

BANK OFFICES/FACILITIES DISCONTINUED DURING YEAR ................................................ -4 The Citizens and Southern Bank of Richmond County, Augusta Gordon Highway Office, Augusta The Citizens and Southern Bank of Colquitt County, Moultrie Drive-In Facility, Moultrie The Citizens Bank of Swainsboro, Swainsboro Drive-In Facility, Swainsboro (5-8-70) Bank of Screven County, Sylvania Drive-In Facility, Sylvania

IN OPERATION DECEMBER 31, 1971................................................................... 363

184

10

LIST OF STATE CHARTERED BANKS AND BANK OFFICES

CITY Abbe\ die Acworth Adalr'}ville A de!
Ailey Alamo Alapaha Albany
Allentown Alma A.lphan:tw
.~<nencu::-.
A.-lington /\~h burn
A then~
Atlanta
.\ ugu~t<l
Au\lell A\ondale Estate'>
B;Jinbndge
Ball Groun:J Bal(le)
Black~hear
BlaJrwilk Bla,ely
Blue Ridge
Bl>~ton
Bov.Jon
Bo'vl.m<.~n Bra~elton
Bremen
Brooklet Broxton Buchanan Buena Vi~ta
Buford Butler Byromville Byron Cairn Calhoun Camilla
Canton Carnesvi lie Carrollton Cartersville Cave Spring Chamblee

COUNTt'

NAME OF BANK

Wiicox Cobb Bartow Cook
Montgomery Wheeler Berrien Dougherty
Wilk1nson Bacon
fultl)n Sumter
Calh~>un
Turner
Clarke
DeKalb
Fuh\)n
Fulton DeKalb OeKalb Fulton
Fulton
Fulton Richmor.d
Cobb
DeKalt>
Decatur
Cherokee Appl1ng
Pierce
Union Early
Fanmn Thomas Carroll Elbert
Jack~on
Haralson
Bulloch Coffee Haralson Marion
Gwinnett Taylor Oool) Peach Grady
Gordon Mitchell
Cherokee
Franklin Carroll Bartov.. Floyd DeKalb

Abbeville State Bank Bank of Acworth Bank of Adair::.ville Adel Bank1ng Company Farmers and Merchants Bank Montgomery County Bank Wheeler County State Bank Bank of Alapaha The Citizens & Southern Bank
of Alban) Fir~t State Bank & Tru~t
Compan~
Security Bank and Trust Company of Albany
The Four County Bank Alma Exchange Bank Citizen:"> State Bank Fulton Exchange Bank Bank of Commerce CitiLen~ Bank of Americu~ Bo-::.twick Banking Company Ashburn Bank The CitiLen~ Bank of Ashburn Fir~t American Bank and
Tru~t Company The CitiLens and Southern
Emory Bank The CitiLen~ and Southern
Bank of Sandy Spring~ Citi?en~ Trust Company DeKalb County Bank DeKalb Exchange Bank Georgia Savings Bank and
Trust Company The People~ Amencan Bank
of Atlanta Trust Company of Georgia The Bank of Augusta Georgia Railroad Bank &
Trust Compan.\ The C1t1Lens and Southern
Ban h. of Cobb County The CitiLens and Southern
DeKalb Ban" The CitiLens Bank and Trust
Company Citizens Bank Baxley State Bank Peoples State Bank The Blackshear Bank People~ Bank Union County Bank Bank of Early Fir~t State Bank of Blakely Fannin County Bank People~ Banking Compan~ The Commercial Bank Bowman State Bank Bra~elton Banking Compan: The Citizens &Merchant~ Bank Commercial & Exchange Bank Farmers & Merchants Bank Broxton State Bank Harabon County Bank Buena Vista Loan and Savings
Bank Buford Commercial Bank The Citizens State Bank Bank of Byromville Bank of Byron Cairo Banking Company Citizens Bank CitiLen~ Bank of Calhoun Bank of Camilla Planters & CitiLen~ Bank ,Bank of Canton Etowah Bank Carnesville State BanJ... The People' Bank The Carters\-ille Bank Bank of Cave Spring The Citizens and Southern
Bank of Chamblee Peachtree Bank and Trust
Company

*Branch Banb

DATE OF CHARTER
4-22-1952 10-31-1905 3-21-1899 2-27-1929 12-11-1947 2-24-1926 1-15-1945 3-4-1905
5-6-1943
3-31-1961
4-17-1970 8-18-1941 9-30-1939 4-2-1951 2-6-1920 10-13-1891 2-20-1937 8-27-1935 7-3-1900 7-27-1905
9-24-1949
12-11-1950
9-10-1969 7-12-1921 7-2-1969 9-30-1969
10-26-1889
12-5-1934 9-21-1891 7-17-1969
11-15-1892
1-3-1910
11-16-1948
11-8-1911 9-28-1926 8-23-1917 5-14-1966 7-7-1892 8-1-1946 2-18-1949 4-3-1941 5-6-193 7 5-29-1916 1-29-1947 9-22-1926 12-2-1966 12-13-1948 6-9-1970 1-18-1949 2-4-1948 8-4-1966 3-3-1909
9-22-1887 1-18-1946 9-4-1926 7-19-1920 10-30-1962 11-23-1903 12-3-1903 12-27-1967 11-4-1889 9-20-1904 11-17-1892 1-22-1927 7-18-1960 11-10-1909 12-20-1947 12-15-1966
10-9-1969
3-17-1960

BEGAN BL'S!NESS

NO. OF BANK OFFICES

PRESIDENT

CASHIER

4-22-1952 12-19-1905 3-24-1899 3-1-1929 1-15-1948 3-1-1926 1-17-1945 3-25-1905

0

J.H. Dorminy, Jr.

C.A. Newcomer, Jr.

0

W.N. Shadden, Sr.

Ruth D. Clement

0

J.E. McKelve)

Lois S. Adam~

I

Allen L. Parrish, Jr.

J. Ellis Fut.ch

0

W.J. Harris

James Lawrence

0

Thomas A. Peterson

Thomas A. Peterson

0

Wallace Adams

Frances C. Griffin

0

W.M. Gaskins

Alvin H. Riner

6-1-1943

4

Wm. C. Banks, Jr.

Ernest Z. Crowley, Jr.

3-31-1961

Herbert P. Haley

Morri~ McNeil

8-31-1970 9-15-1941 10-14-1939 5-1-1951 4-12-1920 1-2-1892 3-25-1937 3-1-1936 7-1900 10-25-1905

0

E.C. Lancaster

0

A.T. Land, Sr.

I

Valene Bennett

0

H.T. Lee

I

William S. Barrett

I

Henry L. Collier

0

S.R. Hunter

0

W.E. Bostwick

0

H.C. Barber, Jr.

0

Fred Raines

R.O. Cloutier M. Opal Chance Thomas L. Carter Albert A. Pitts George W. Hunt James R. Buchanan, Jr. M .E. Ferguson P.T. Bostwick Gilbert D. Branch Marvin D. Raine~

11-1-1949

0

J. Frank Stainback, Jr. John C. Williams

4,16-1951

Merriell Autrey, Jr.

Louise A. Dunaway

10-1-1969 8-17-1921 2-27-1970 6-8-1970

0

Louis J. Fortuna

Kenneth K. Ingram

I

Charles M. Reynolds, Jr. Charles C. Masten

I

David M. Housend

K. Lamar Thoma~

0

A. Clayton Bartlett

Dwight L. Craig

9-1-1899

0

R.E. Gormley

Sylvia Sandler (Sec-Treas)

1-1-1935 11-8-1891 7-17-1969

4-1* 28-2*
0

Cothran C. Graves, Jr. A. H. Sterne D. S. McArthur

Clifford L. Hornsby, Jr. Steve H. Bomar (Treas) C. W. Matthew'

12-31-1892

II

Charles B. Presley

W. T. Rox

1-10-1910

4

Robert H. Dunlap

Robert E. Long, Jr.

8-18-1949

W. D. Skinner

Lois W. Chesnut

12-19-1911 10-1-1926 8-25-1917 7-1-1966 7-7-1892 8-5-1946 3-1-1950 4-28-1941 5-15-193 7 6-6-1916 4-1-1947 9-22-1926 1-3-1967 12-18-1948 11-16-1970 2-1-1949 2-17-1948 9-1-1966 3-4-1909
9-1-1889 2-11-1946 9-4-1926 7-26-1920 2-4-1963 11-23-1903 1-1-1904 1-2-1969 1-2-1890 5-24-1913 12-18-1892 1-29-1927 8-1-1960 12-1-1909 11-19-1948 6-15-1967

0

R.M. Reynolds, Sr.

John T. Reynolds, Jr.

0

B.R. Jones

Hollis Q. Lathem

0

Staten S. Lewis

Jeanelle B. Presley

I

Valene Bennett

H.C. McLeod

0

C. Nevin Briscoe

Chas. R. Outler, Jr.

0

A.M. Ratliff

J.D. Riggins

0

Leonard M. George

Catherine D. Jarrett

0

R.C. Singletary, Jr.

R.B. Smith

0

John C. Holman

Willard N. DuBose

0

J.M. Eaton, Jr.

Annabelle Sowers

0

J .E. Cromartie

Faye L. Peeples

0

W.C. Roop

W.A. Bowman. Jr.

0

Paul Burden

Paul Burden

0

H.F. Braselton

J.O. Braselton, Jr.

0

H.M. Woods

Dennis VanBrackle

I

J.S. McEachern, Jr.

Clark Stapler

0

H.M. Robertson, Jr.

Billy G. Tyson

0

L.G. Summerlin

Mayo Currin

0

Hardy S. McCalman, Jr. James Henry Brown

0

Clarke W. Duncan

T.C. Hollis

I

Forrest Puckett

Forrest Puckett

0

Kenneth B. Lanier

Mrs. Faye M. Peed

0

O.W. Kitchens, Jr.

J.D. Lester, Jr.

0

H.W. Peavy, Jr.

Mrs. Patricia E. Joiner

I

T.R. Hester

H. Richard Hester

0

J. Carl Minter

Lucille Maxwell

0

Charles E. Anderson

Therrell M. Goswick

0

R.T. Muggridge, Jr.

Lora D. Stark

0

Joe B. Adams

Janie S. Bullard

I

E.O. McFather

Mary Jane Whitmire

0

H.G. Vandiviere

Fred J. Melton

0

Gordon M. Telford

Gordon M. Telford

I

Fred Hutchins

Fred Hutchins

0

John S. Newman

Hugh I. Jackson

0

James D. Minix

JoAnn Morgan

11-1-1969

Bobby G. Morris

Roger L. Crow

5-6-1960

Charles B. Ginden

W.R. Watkins

11

LIST OF STATE CHARTERED BANKS AND BANK OFFICES- Continued

CITY
Chatsworth Chester Chickamauga Clarkesville Clarkston Claxton
Clayton Cleveland Cobbtown Cochran
College Park Colquitt Columbus
Comer
Commerce Concord Conyers

COUNTY
Murray Dodge Walker Habersham DeKalb Evans
Rabun White Tattnall Bleck ley
Clayton Miller Muscogee
Madison
Jackson Pike Rockdale

Coolidge
Cordele
Cornelia Covington Crawford Crawfordville Cumming
Cuthbert Dahlonega Dallas Dalton

Thomas
Crisp
Habersham Newton Oglethorpe Taliaferro Forsyth
Randolph Lumpkin Paulding Whitfield

Danielsville Darien Dawson
Dawsonville Decatur
Dexter Doerun Donalsonville
Doraville Douglas

Madison Mcintosh Terrell
Dawson DeKalb
Lauren~
Colquitt Seminole
DeKalb Coffee

Douglasville

Douglas

Dublin

Laurens

Dudley Duluth Eastman
East Point
Eatonton
Edison Elberton Ellaville Ellijay Fairburn Fayetteville Fitzgerald
Folkston Forest Park
Forsyth

Laurens Gwinnett Dodge
Fulton
Putnam
Calhoun Elbert Schley Gilmer Fulton Fayette Ben Hill
Charlton Clayton
Monroe

*Branch Bank~

NAME OF BANK

DATE OF CHARTER

Cohutta Banking Company Bank of Chester Bank of Chickamauga Habersham Bank Citizens Bank of Clarkston
The Claxton Bank Tippins Bank & Trust Company Bank of Clayton The Peoples Bank The Brown Bank Cook Banking Company State Bank of Cochran Bank of the South Citizens Bank Columbo!!. Bank and Trust Company Trust Company of Columbus
Merchanb and Farmers Bank of Comer. Georgia
Northeastern Banking Company Concord Banking Company Citizens and Southern Bank
of Rockdale First Bank of Conyer~ Farmers and Merchants Bank
of Thomas County Cordele Banking Company First State Bank in Cordele Cornelia Bank The Bank of Covington The Commercial Bank The Peoples Bank Bank of Cumming Forsyth County Bank Citizens Bank Bank of Dahlonega The Citizens Bank of Dallas The Bank of Dalton The Citizens and Southern
Bank of Dalton Hardwick Bank &Trust Company Bank of Danielsville The Darien Bank Bank of Dawson Bank of Terrell Dawson County Bank The Citizens and Southern
South DeKalb Bank The Knight State Bank Toney Brothers Bank Commercial State Bank Merchant!i. and Farmers Bank The Northeast Commercial Bank Coffee County Bank The Exchange Bank The Farmers Bank The Citizens Bank of
Douglasville The Commercial Bank Citizens and Southern Bank
of Dublin Farmers and Merchants Bank The Morris State Bank Bank of Dudley The Bank of Duluth Bank of Eastman Citizens Bank & Trust Company Bank of Fulton County The Citizens and Southern Bank Farmers & Merchants Bank The Peoples Bank The Bank of Edison Granite City Bank Bank of Ellaville The Bank of Ellijay Fairburn Banking Company Farmers and Merchants Bank The First State Bank of
Fitzgerald The Citizens Bank Bank of Forest Park The Citizens and Southern Bank
of Clayton County Citizens Bank of Forsyth,
Georgia The Farmers Bank Monroe County Bank

7-17-1905 6-14-1966 2-16-1910 5-13-1904 4-10-1969 2-24-1941 8-30-1940 6-3-1904 12-11-1945 6-24-1970 4-24-1942 12-22-1921 10-3-1945 3-24-1924 12-24-1888 3-19-1954
10-3-1935 8-25-1891 10-29-1903
10-15-1891 11-14-1969
12-18-1911 5-31-1927 12-3-1938 7-3-1900 4-10-1901 9-2-1924 12-8-1947 10-11-1904 6-15-1964 2-7-1938 5-27-1914 7-23-1962 12-26-1911
9-25-1969 2-17-1922 12-11-1907 12-8-1888 6-29-1911 3-23-1936 7-1-1953
7-1-1969 1-30-1967 7-11-1945 10-21-1938 9-24-1925 3-12-1968 6-19-1931 5-11-1971 5-22-1945
8-11-1959 4-24-1942
10-29-1928 5-26-1910 7-31-1958 10-2-1905 1-22-1945 12-28-1918 3-12-1949 3-22-1934 11-12-1948 10-30-1922 3-16-1944 9-24-1904 12-3-1927 9-10-1910 5-21-1914 9-14-1891 2-16-1906
5-24-1948 12-12-1911 5-9-1956
6-26-1964
2-17-1920 3-9-1910 11-2-1908

BEGAN BUSINESS
1-24-1906 9-26-1966 5-10-1910 5-1904 3-6-1970 2-24-1941 9-3-1940 7-1-1904 7-1-1946 6-24-1970 7-1-1942 1-5-1922 1-7-1946 4-21-1924 4-1-1889 3-19-1954

NO. OF BANK OFFICES
0 0 0 I 0 0 0 I I 0 I 0 I* 0

PRESIDENT
Tom W. Greeson James R. Bivins W.H. Edwards Julian C. Hester Ted A. Murphy Charlie W. Bray H.F. Laws, Jr. A.W. Adams J. L. Nix W.L. Brown, Sr. J. Luther Horne L. D. Griffin John L. McCay G.C. Jinks, Sr. James H. Blanchard Frank Morast. Jr.

CASHIER
Frances Heartsell Ernie Tripp Marion V. Ellis Charles W. Burke Stewart I. Hamilton Aubrey Strickland France~ T. Laws James R. Parrish Linda H. Brown W.A. Sikes Elizabeth Attaway Taylor E. Howell Earl F. Lockette G.C. Jinks. Jr. Howard R. Park, Jr. Pauline A. Franke

10-10-1935 1892 11-18-1903

0

John H. Terrell, Jr.

0

J. Nolan Spear, Sr.

0

T.R. Smith

Mrs. M.B. Booth Grace M. Sanders Kathryn Barker

6-1901 6-24-1970

I

James P. Culpepper. Jr. Charles R. Stanley

0

W.O. Seiffert

James M. McDaniel

11-20-1911

I

Michel DeLoache

6-15-1927

0

R.M. Fleeman

1-3-1939

0

C.H. Denning

8-4-1900

Cliff C. Kimsey, Jr.

4-10-1901

0

R.R. Fowler

9-5-1924

0

George B. Brooks

1-2-1948

0

E.W. Reynolds

10-19-1904

0

Roy P. Otwell. Sr.

9-26-1964

0

Leon Boling

3-1-1938

0

C.O. Johnson

5-27-1914

0

Russell lvie

3-15-1963

0

E.P. Austin

10-12-1912

0

Frank A. Conner

W.C. Gib~t.m EliLabeth Wade Fred P. Cown George D. Telford T.H. Avery James A. Faust Pearl A. Fowler Jimmy S. Fagan Charle~ D. Ingram G.F. Sealy J.R. Field, Richard J. Clark Timothy F. Conner

1-5-1970 2-20-1922 1-15-1908 1-24-1889 7-1-1911 5-1-1936 7-13-1953

0

C. Homer Fuller

J.W. Ficken, Jr.

Charles F. Kreischer

Paul L. Diamond

0

Elcoe Huff

Geo. N. Stovall

0

Edward R. Gray, Jr.

Lewis G. Turner

0

Thomas R. Stanbury

John W. Birdsong

I

Robert T. Brown

Jimmy C. Bridge~

0

Glenn C. Bell

Glenn C. Bell

9-18-1969

0

Warren L. Berry

Dan Black well

2-1-1967

0

D.W. Knight, Sr.

Cecil Passmore, Jr.

7-31-1945

0

J.W. Toney

Marguerite S. Pith

12-16-1938

E.C. Mosely

Ellen G. Spier

9-24-1925

I

W. Gaylord Cummings Lynford 0. Cook

5-5-1969

0

James A. McFarlane

Harold S. Welden

7-1-1931

0

H. L. Shannon

Harvel B. Norri!io

5-11-1971

0

Jes~ F. Tanner

Kenneth F. Wade

7-5-1945

F.S. Stubbs

Edward E. Morris

5-9-1960 5-1-1942

Robert L. Stewart, Jr. Charles L. White

Robert L. Stewart, Jr. Janice B. McCra"y

11-1-1928 7-6-1910 10-2-1958 11-1905 2-17-1945 1-2-1919 4-1-1949 4-2-1934 11-19-1948 11-15-1922 5-1-1944 1904 1-2-1928 9-16-1910 6-1-1914 1902 3-13-1906

James F. Park, Jr.

T .A. Jernigan

McGrath Keen

Perry Edge

I

S. Barron Smith

Walter E. Woodard. Jr.

0

Gladys C. Hogan

France~ J. Reinhardt

0

Arnold L. Smith

Luke L. Couch

0

Buford M. Moore

LaVerne C. Jamieson

0

W.H. McCranie

Mrs. Wilrnatine McCran1e

I

W. Ray Houston

D. William Lester

3

Robert E. Anderson, Jr. John B. James

0

L.O. Benton, Jr.

Richard C. Skates

0

A.F. Adams

Hnv.ard L. Harri~on

0

R.D. Kirkpatrick

T.O. Manry

I

Wyatt C. Martin

Thomp~on Holloman

0

P.L. Gill

R.G. Callaway

0

Glen W. Marshall

James R. Pack

0

Young H. Longino

Nina H. Ray

0

H.R. Redwine

H.R. Redwine

7-19-1948 1-4-1912 10-15-1956

B.l. Anderson

1-1* J.H. Lester, Jr.

2

L. Scott Watson

W.P. Herlovich S. Michael Little Diane M. Horne

11-21-1964

Charles E. Wells

Allette B. Chea"e~

3-1-1920 1910 10-15-1908

0

N.A. Hardin

0

R.O. Persons, Jr.

0

Karl B. Hill

G.A. Banks, Sr. Mrs. Shirley J. Wimer~ Jame~ M. McCarty

12

LIST OF STATE CHARTERED BANKS AND BANK OFFICES- Continued

Y.I.r..
Fort Gaines Fort Oglethorpe Fort Valley
Franklin Gainesville Gibson Glennville
Gordon Gray Greensboro
Greenville Griffin
Haddock Hahira
Hampton Hapeville Harlem Hartwell
Hawkinsville
Hazlehurst
Hiawassee Hinesville
Hogansville Homerville Irwinton Jackson
Jasper Jeffersonville Jonesboro Kingsland
LaFayette LaGrange
Lakeland Lavonia Lawrenceville
Leary Leesburg
Lenox Leslie Lexington Lincolnton Lithonia Locust Grove Loganville Lumber City Lumpkin Lyons
McRae Mableton Macon Madison Manchester
Mansfield Marietta
Marshallville Martinez Meigs Metter
Midville Milan

Q!!!ii.1:. Clay
Catoosa Peach
Heard Hall Glascock Tattnall
Wilkinson Jones Greene
Meriwether Spalding
Jones Lowndes
Henry Fulton Columbia Hart
Pulaski
Jeff Davis
Towns Liberty
Troup Clinch Wilkinson Butts
Pickens Twiggs Clayton Camden
Walker Troup
Lanier Franklin Gwinnett
Calhoun Lee
Cook Sumter Oglethorpe Lincoln DeKalb Henry Walton Telfair Stewart Toombs
Telfair Cobb Bibb Morgan Meriwether
Newton Cobb
Macon Columbia Thomas Candler
Burke Telfair

NAME OF BANK

DATE OF CHARTER

Fort Gaines Banking Company Fort Oglethorpe State Bank Bank of Fort Valley The Cirizens Bank The Bank of Heard County The Citizens Bank Bank of Gibson First Citizens Bank The Glennville Bank and
Trust Company The Gordon Bank Bank of Gray Bank of Greensboro The Citizens Bank The Greenville Banking Company The Bank of Griffin Commercial Bank & Trust Company Jones County Bank Citizens Bank of Hahira Commercial Banking Company Bank of Hampton Citizens Bank of Hapeville Bank of Columbia County Bank of Hartwell The Citizens and Southern
Bank of Hart County Planters Bank The Pulaski Banking Company Bank of Hazlehurst Jeff Davis Bank Bank of Hiawassee The Coastal Bank The Hinesville Bank The Citizens Bank Empire Banking Company Wilkinson County Bank The Citizens and Southern
Bank of Jackson Mcintosh State Bank Jasper Banking Company Peoples State Bank Central Bank and Trust Company Citizens State Bank State Bank of Kingsland The Bank of LaFayette, Georgia The Citizens and Southern
Bank of LaGrange LaGrange Banking Company Peoples Bank of LaGrange Farmers and Merchants Bank Northeast Georgia Bank The Brand Banking Company Gwinnett Commercial Bank Jordan Banking Company The State Bank of Leesburg,
Georgia Bank of Lenox Farmers & Merchants Bank Citizens Banking Company Farmers State Bank The Peoples Bank The Farmers Bank Bank of Loganville Bank of Lumber City Farmers State Bank The Peoples Bank of Lyons,
Georgia The Merchants & Citizens Bank The South Cobb Bank Georgia Bank & Trust Company Bank of Madison Bank of Manchester Farmers and Merchants Bank
of Manchester Bank of Mansfield Cobb Exchange Bank Commercial Bank of Cobb County First State Bank Georgia State Bank Bank of Meigs Metter Banking Company Pineland State Bank Bank of Midville Bank of Milan

2-11-1937 12-4-1963 10-11-1924 12-14-1906 10-14-1905 5-19-1913 11-7-1905 12-31-1942
1-12-1905 6-8-1946 8-23-1909 10-13-1926 3-9-1946 10-24-1887 6-8-1967 10-11-1889 7-14-1905 2-12-1927 1-29-1945 12-31-1965 7-20-1945 11-29-1909 5-15-1961
11-28-1942 2-27-1896 7-20-1949 10-19-1906 7-12-1962 6-14-1909 7-9-1970 9-4-1911 11-30-1961 3-1-1945 7-16-1907
4-14-1969 2-14-1964 1-17-1945 12-10-1969 10-6-1903 10-27-1971 11-26-1912 11-13-1889
7-23-1937 7-8-1941 9-22-1965 4-18-1907 9-20-1940 6-2-1905 1-11-1971 12-30-1965
4-9-1947 6-20-1907 12-19-1940 2-7-1949 9-26-1911 8-26-1910 1-3-1910 5-6-1946 5-22-1945 10-21-1911
5-4-1935 3-28-1929 6-21-1963 6-9-1960 12-26-1888 1-28-1910
10-7-1947 12-19-1945 12-18-1906 9-2-1955 9-19-1910 7-5-1909 5-8-1903 7-25-1930 12-27-1961 4-13-1945 12-5-1906

Branch Banks

13

NO. OF

BEGAN

BANK

BUSINESS OFFICES

PRESIDENT

CASHIER

2-15-1937 8-7-1964 10-15-1924 1-1-1907 10-18-1905 6-1913 11-27-1905 1-4-1943

0

Raymond H. Morris

James A. Brown

0

James E. Chapman

James F. Harris

0

Albert McCowen, Jr.

Lewis D. McKinney

0

Cleon E. Moore

William H. Huckabee

0

Thomas W. Goodson, Jr. Retha B. Mooney

I

Heyward C. Hosch

Harry E. Martin

0

E.E. Griffin, Jr.

Mary F. Griffin

0

J.D. Kicklighter

J.D. Dubberly

1-18-1905 8-1-1946 8-28-1909 10-14-1926 4-i-1946 1891 8-16-1968 10-9-1890 7-25-1905 2-21-1927 4-5-1945 2-1-1966 9-4-1945 12-13-1909 11-9-1961

0

J.A. Bacon

0

R.F. Gibbs

0

Thad G. Childs

0

G.R. Brook

0

J.B. Dolvin

0

R.J. Atkinson

0

J.L. Savage

I

C.T. Parker

0

L.M. Woodcock

0

D.K. Hollis, Jr.

0

V.A. Gaskins

0

Ben 0. Sims

I

W. Warren Woolsey

0

Henry B. McNorrill

0

J.H. Wright

J.A. Rogers Emerson Dennard Mrs. Cheryl Y. Thomas Andrew M. Boswell Bobby L. Voyles R.M. Phillips A.M. Stewart Charles B. Wynne Jo H. Martin George H. Stalvey Paul W. Johnson J.W. Martin M.A. Gaddy Henry E.L. Miller Sims Hill

1-2-1943 3-1896 8-27-1949 10-1906 12-1-1962 7-21-1909 7-9-1970 11-15-1911 12-11-1961 6-1-1945 7-16-1907

0

Jack B. Edmunds, Jr.

James E. Weaver

0

Don C. Crafton

Lewis J. Fowler

0

R.D. Buchan

Sterlin Carr

0

Charles Rogers

Mary Walker

0

J.O. Wooten

J.N. Boggs, Jr.

0

H.D. Paris

Emma Denton

0

Charles A. Purser

Jill H. Howard

I

Wallace F. Martin, Jr.

Frances B. Smoak

0

J.R. Hines, Jr.

W.P. Arnold

0

W.K. Peagler

Margaret T. Lee

0

Robert C. McGinty

Robert C. McGinty

5-1-1969 9-18-1964 3-12-1945 12-10-1969 11-7-1903 10-27-1971 12-1912 1899

0

J. Frank Barnes

0

William H. Shapard

0

Mark H. Moore

0

A.T. Land, Jr.

I

C.S. Conklin

0

Valene Bennett

0

B.A. Gowen

0

C.M. Gilbert

Dennis A. O'Neal Joe B. Taylor Mark Whitfield James W. Arnold J.W. Hanchey K. Max Jones Paulk Tiller Bob Forester

8-2-1937 9-15-1941 4-11-1966 1907 9-23-1940 7-17-1905 9-16-1971 1-3-1966

0

R. Woodrow Smith

I

A.E. Mallory, Jr.

0

Thomas W. Sheffield

0

W.A. Roquemore

I

John T. Gill

I

Bartow Morgan, III

0

Roy V. Price

0

Marjorie M. Jordan

David K. Christie Mrs. Virginia G. Jones Lee H. Smith Geneva S. Conine Annie M. Akin Elizabeth L. Purcell Charlie L. Cook, Jr. Minnie Lee Dozier

12-1-1947 6-25-1907 1-2-1941 3-10-1949 12-2-1911 1910 1-1910 10-5-1946 7-2-1945 12-1911

0

T.R. Cannon, Sr.

0

R.H. Robinson

0

W.T. Anderson, Jr.

0

W.E. Evans

0

W.B. Albea

0

C.E. Waites

0

S.T. Ellis

0

C. A. Kelley, Jr.

0

W.C. Williams

0

William P. Carter

Helen W. Kennedy Warren D. Robinson Charles T. Exum W.E. Evans George C. Leverett, Jr. G .S. Anderson Mrs. Ann B. Garland James T. Fischer W.C. Williams J.M. Dunaway

6-1-1935 3-28-1929 3-2-1964 7-1-1960 1-1-1890 2-2-1910

0

W. Holloway

0

R.E. Mann

I

Lee E. Partain, Jr.

2

Don W. Gordon

0

L.B. Chambers

0

Claude A. Bray

Charles W. McCall R.M. Parsons Bobby G. Thomas P.D. Dubose H.G. Lomax Thomas A. Brown, Jr.

2-2-1948 3-1-1946 1-1-1907 9-17-1956 9-27-1910 8-1-1909 6-1903 8-26-1935 10-15-1962 5-21-1945 10-1906

0

Elmer Loftin

0

A.E. Hays

0

William D. Little

2

Walter E. Graham

0

J.R. Allen

0

Felton Dunaway

0

J.L. Pilcher

0

D.J. Parrish

0

Gordon H. Rountree

0

J. Frank Farmer

0

G.C. Jones

D. Brent Kersey W.D. Partee Knox V. Wood James E. Lawson J.R. Allen John C. Sylvester Tom Smith Margaret D. Parker Lanelie H. Jarriel James B. Flanders Preston A. Spires

LIST OF STATE CHARTERED BANKS AND BANK OFFICES - Continued

CITY

COUNTY

NAME OF BANK

DATE OF CHARTER

Milledgeville
Millen Molena Monroe Montezuma Monticello Morrow
Moultrie
Mount Vernon Nashville
Newington Newnan
Newton Nicholls Norcross
Ocilla
Oglethorpe Omega Palmetto Patterson Pavo Peachtree City Pearson Pelham
Pembroke Perry Pinehurst Pine Mountain Pineview Pitts Powder Springs Preston Quitman Reidsville Rentz Reynolds Rhine Richland Ringgold Riverdale Roberta Rochelle Rockmart Rome
Ros~ville
Roswell
Royston Rutledge Saint Mary~ St. Simon~ Island
Sander~ville
Sardi~
Savannah
Senoia
Shellman Smyrna Snellville Social Circle Soperton Sparta

Baldwin
Jenkins Pike Walton Macon Jasper Clayton
Colquitt
Montgomery Berrien
Screven Coweta
Baker Coffee Gwinnett
Irwin
Macon Tift Fulton Pierce Thomas Fayette Atkinson Mitchell
Bryan Houston Dooly Harris
Pula~ki
Wilcox Cobb Webster
Brook~
Tattnall
lauren~
Taylor Dodge Stewart
Catoo~a
Clayton Crawford Wilcox Polk Floyd Walker Fulton
Franklin Morgan Camden Glynn
wa~hington
Burke Chatham
Coweta
Randolph Cobb Gwinnett Walton Treutlen Hancock

The Citizens and Southern Bank of Milledgeville
Exchange Bank The Merchants and Farmers
Bank of Milledgeville
Bank of Millen Bank of Molena The Farmers Bank Montezuma Banking Company Bank of Monticello The First Bank of Clayton
County American Banking Company The Citizens and Southern
Bank of Colquitt County Mount Vernon Bank The Citizens Bank The United Banking Company Bank of Newington The Citizens and Southern
Newnan Bank Baker County Bank Nicholls State Bank The Citizens and Southern
Bank of Gwinnett Gwinnett Bank & Trust Company The Bank of Ocilla, Georgia The First State Bank of Ocilla Bank of Oglethorpe South Georgia Banking Company Fin.t-Palmetto Bank The Patterson Bank Pavo State Bank The Fayette State Bank The Citizens Exchange Bank Farmers Bank of Pelham Pelham Banking Compan)The Pembroke State Bank The Bank of Perry Bank of Pinehurst Farmers and Merchants Bank Pineview State Bank Pitt~ Banking Compan)Cobb County Bank Bank of Web~ter The Bank of Quitman The Tattnall Bank The Rentz Banking Company The Citizens State Bank Williams Banking Company Richland Banking Compan) Bank of Ringgold Clayton County Bank The Crawford County Bank Rochelle State Bank The Rockmart Bank The Rome Bank and Tru~t Compan) Rossville Bank The Citizens and Southern
Bank of North Fulton Ro~wcll Bank Tri-County Bank of Roy~ton Bank of Rutledge Saint Mary~ State Bani.. St. Simon~ State Bank CitiLens Bank of Washington
County The Geo. D. Warthen Ban~ Bank of Sardi~ Atlantic Bank and Tru~t Compan) The Carver State Bank Chatham Saving~ Bani.. Fir~t Bank of Savannah Industrial Bank of Sa\annah Savannah Bank and Tru~t
Company of Savannah Farmer~ and Merchant~ Bank
of Senoia Fir~t State Bank Bank of Smyrna Gv. in nett Count)- Bank Social Circle Bank The Bank of Soperton Bank of Hancock County

2-28-1874 5-20-1903
3-22-1898 1-4-1893 10-7-1901 1-1-1906 10-23-1948 2-8-1964
11-17-1969 8-13-1971
7-8-1896 12-21-1900 2-19-1943 7-10-1924 7-7-1919
2-25-1955 10-4-1906 12-2-1952
12-12-1903 9-11-1967 9-20-1956 5-11-1943 2-5-1901 4-15-1970 6-29-1918 6-19-1907 6-24-1971 1-31-1964 1-19-1943 8-25-1902 12-4-1936 12-29-193 7 8-20-188Y 1-1-1908 3-22-190Y 9-20-1910 6-2-1906 12-20-1968 6-29-1970 12-26-1888 9-14-1900 5-2-1914 9-8-1922 8-4-1947 10-13-1927 8-26-1904 9-18-1968 1-7-1901 7-8-1947 10-30-1900 4-5-1945 7-1-1963
1-10-1967 3-1-1901 8-9-1941 9-24-1898 4-12-1955 4-24-IY50
1-6-1965 3-18-1957 4-27-1945 11-6-1933 4-29-1947 8-11-195.1 7-29-1909 5-20-1954
3-4-1~69
3-2-1874 12-31-1958 4-4-1946 9-23-1970 12-31-1923 7-16-1906 10-18-1904

Branch Bank~

BEGAi\' BL'SINESS

NO. OF BANK ~

PRESIDENT

CASHIER

10-13-1884 6-I-1903
3-1898 3-1-1893 3-1899 1-1-1906 1-10-1949 2-10-1964
6-1-1970 10-1-1971
1896 1-24-1901 3-1943 7-15-1924 8-14-191Y
2-25-1955 10-15-1906 1-2-1953
2-1-1904 3-1-1968 10-1-1956 6-I-1943 2-8-1901 4-15-1970 7-10-1918 6-19-1907 6-24-1971 2-1-1964 5-12-1945 9-1-1902 12-8-1936 2-11-1938 188Y 1904 4-19-1909 9-20-1910 6-1906 8-l-196Y 6-29-1970 12-31-1888 10-22-1900 5-5-1914 9-8-1922 10-1-1947 10-15-1927 8-1904 6-9-1969 1-8-1901 8-1-1947 1900 10-1-1945 12-13-1963
6-10-1967 3-1901 9-1-1941 10-1-18% 8-4-IY55 6-I-1950
5-3-IY65
3-1~-1957
7-2-1945 11-6-1933 6-4-1947 8-11-1953 8-4-1909 5-20-1954
7-1-1869
18X9 1-2-1959 ~-5-1 Y46 3-4-1971 3-8-1924 1903 9-5-1904

0

Warren L. Berry

W.E. Robinson, Ill

I

John E. Garner, Jr.

Walter A. Hemphill, Jr.

0

H.D. Allen

Mrs. Sallie W. Holme;

0

Wabon W. Rocker

John L. Gay

0

James H. Fletcher

J.P. Barker, Jr.

I

Robert C. Ham

J.B. Butb

0

R. Steve Taylor

Ray L. Gresham

0

E.C. Kelly

Jack H. Yearwood

0

D. Hugh Dickson

James W. Coody

0

Eugene M. Vereen. Jr. Curtis N. Leatherwood

0

0. Mitchell Smith

B. Durwood Domin:

0

Duncan A. McRae, Jr. Gregory E. Hughe~

0

W.O. Perry

France~ H. Allen

0

Sam Akin~

Lucile L. Fuller

0

Horace V. Wells

Charles E. Lee

0

W.W. Williams, Jr.

B.S. Askew

0

Albert W. Barber

Ronald R. McMillan

0

Ralph G. Lott

R.E. Lott

W.H. Fallaw

Ray D. Swam

J. Grady Coleman

C. Jack Barne~

0

H.L. Dismuke

R.O. Paulk

0

Otto Griner

Kermit Elliott

0

John F. Williams

Blanche R. W11liam~

0

C. Earl Tolbert

Ann B. McLeod

I

Robert F. Tolar

C.K. Malloy

0

R.D. Thomas. Jr.

Leola Griner

0

J.A. Curry

Harold H. Spangle

0

W.F. Farr

W.F. farr

0

Robert A. Summerlin Sidney N. Strickland

I

F.B. Hand

W. Terry Palmer

0

W .C. Bernier

Jame~ E. Conley. Jr.

0

E.B. Miles

E.B. Mil"'

Lewi~ M. Meek'

H.J. Jennmg~

0

Alton P. Draughon

Mar\lll Lee Wiley, Jr.

0

W.K. Jenkin~

B.M. Branch

0

Don C. Crafton

Mattie C. Conner

0

A.C. Shell, Jr.

E.W. Shell

Ralph N. Barber

John L. Mitchell

0

James R. Dekle

Charlotte W. Dekle

0

Je~~e F. Jone~

A.C. Lowe

0

Ralph Huckabee

E. B. Regi~ter

0

Mrs. O.D. Barron

Mr~. O.D. Barron

0

W.H. Vanlandingham LaWanna Hill

0

R.J. Studstill

J.W. Fowler

0

E.W. Parish, Jr.

Mrs. Rubye J. Moore

Herman B. Tucker

Amalee C. Yate~

I

Pierce T. Nee~e

Larry G. Miller

0

J. William Edwards

J.E. Clarke

0

Matt W. E~te~

Matt W. E~te~

George H. Scott

William A. Bentley

J.B. Dodd, Jr.

J.W. McCool

J.H. Palmer

Robert E. Plemon~

0

Hugh F. Lane

Walter A. Ea\e..,

0

Joe E. Ridgway

0

J.M. Griffin

0

Flem J. Hall

E. Ralph Bufkon

C.D. Willis Charles T. Bagwell Joe E. Ridgway W.E. Oxford Gilbert C. Sheppard Edv.an! Maxwell

0

E.P. Lee

0

C. Findlay Irwin

0

W.H. Smith

0

Edgar R. Terry

0

Robert E. Jame~

0

W. Kirk Sutlive

William A. Dick

L.R. Wylly, Jr.

T.C. Rhode' Amo~ Y. Bryan L.F. Bargeron Jame~ J. Johnson Mr~. B.G. Gunner Gilbert G. Wood (Treas) J. Laurence Dunn A.B. Gammon, Jr.

Malcolm Bell, Jr.

Cann Cook, Jr.

0

S.D. Kidd, Jr.

Christine T. Miller

0

J.W. Curry

L.R. Rigsby

H.L. Holliday

H.D. Lester

0

H. Vance Eaddy, Jr. Phillip N. Britt

0

Roy J. Malcom

Mary S. Chandler

0

Jim L. Gillis, Jr.

B. Kennon Gilli~

0

S.H. HolliS

William W. Archer

14

LIST OF STATE CHARTERED BANKS AND BANK OFFICES- Continued

CITY

COUNTY

NAME OF BANK

DATE OF CHARTER

Springfield
Stapleton Statesboro
Stockbridge Stone Mountain Summerville Swainsboro
Sylvania
Sylvester
Talbotton Tallapoosa
Taylorsville Temple Tennille Thomaston
Thomasville
Thomson Tifton
Toccoa
Trenton Tucker
Twin City
Unadilla Union Point
Uvalda Valdosta
Vidalia
Vienna Villa Rica Wadley Warm Springs Warner Robins
Warrenton Washington
Watkinsville Waycross
Waynesboro Whigham Willacoochee Winder
Woodbine Woodbury Woodland Woodstock Wrens Wrightsville
Zebulon

Effingham The Citizens and Southern

Springfield Bank

12-30-1907

Jefferson

Bank of Stapleton

3-20-1916

Bulloch

First Bulloch Bank & Trust

Company

1-19-1934

Sea Island Bank

3-11-1901

Henry

The First State Bank

9-21-1964

DeKalb

The Citizens Bank of Georgia

4-17-1957

Chattooga Farmers & Merchants Bank

2-5-1926

Emanuel

The Central Bank

10-27-1920

The Citizens Bank of Swainsboro 11-10-1900

Spivey State Bank

8-27-1964

Screven

Bank of Screven County

4-10-1911

Farmers and Merchants Bank

2-18-1946

Worth

Bank of Worth County

4-28-1945

Sylvester Banking Company

7-5-1898

Talbot

The Peoples Bank of Talbotton 12-9-1890

Haralson

Commercial Bank

12-9-1971

West Georgia Bank of

Tallapoosa, Georgia

12-6-1948

Bartow

Bank of Taylorsville

6-6-1905

Carroll

Bank of Carroll County

11-25-1946

Washington Tennille Banking Company

4-4-1900

Upson

Bank of Upson

6-23-1951

Citizens & Southern Bank of

Thomaston, Georgia

1-18-1926

Thomas

The Citizens and Southern Bank

of Thomas County

2-3-1937

Commercial Bank

7-3-1916

McDuffie

Bank of Thomson

12-30-1890

Tift

The C & S Bank of Tifton

10-10-1891

The Citizens Bank of Tifton

2-24-1948

The Farmers Bank of Tifton

12-21-1936

Stephens

The Bank of Toccoa

8-10-1911

The Citizens Bank

5-25-1950

Dade

Bank of Dade

7-5-1955

DeKalb

The Citizens and Southern

Bank of Tucker

10-29-1919

Emanuel

Durden Banking Company,

Incorporated

6-26-1935

Dooly

Exchange Bank of Unadilla

4-19-1935

Greene

Bank of Union Point

5-15-1911

The Farmers Bank

9-6-1911

Montgomery Brogdon State Bank

5-2-1966

Lowndes

First State Bank

1-22-1906

The Park Avenue Bank

6-28-1971

Toombs

Brice Banking Company, Inc.

9-7-1965

Darby Banking Company, Inc. 6-22-1934

Dooly

Citizens Bank

6-24-1931

Carroll

Bank of Vilia Rica

5-4-1899

Jefferson

Bank of Wadley

1-29-1902

Meriwether First American Bank

10-11-1905

Houston

The Citizens and Southern Bank 4-25-1956

Citizens State Bank

12-13-1950

Warren

Citizens Bank

4-14-1902

Wilkes

Farmers and Merchants Bank

8-10-1949

Washington Loan and Banking

Company

9-7-1891

Oconee

Oconee State Bank

6-5-1959

Ware

Commercial Bank

10-15-1918

Southern Bank

5-22-1956

Burke

Bank of Waynesboro

12-16-1890

Grady

Bank of Grady County

6-18-1965

Atkinson

The Peoples Bank

1-4-1952

Barrow

Bank of Barrow

3-12-1951

The Peoples Bank

10-29-1926

Camden

The Camden County State Bank 6-24-1947

Meriwether The Woodbury Banking Company 9-29-1902

Talbot

The Woodland Bank

11-18-1907

Cherokee

Bank of Woodstock

11-13-1905

Jefferson

First State Bank

2-25-1964

Johnson

Bank of Wrightsville

2-16-1897

The Exchange Bank of

Wrightsville

12-20-1909

Pike

The Bank of Zebulon

3-18-1905

NO. OF BEGAN BANK
- - - - BUSINESS OFFICES

PRESIDENT

1-1-1908

I

1916

0

Charles E. Hartzog J.C. Kilgore

4-14-1934

0

1901

I

10-8-1964

0

6-6-1957

I

2-6-1926

0

11-9-1920

0

1900

0

3-1-1965

0

2-28-1930

0

3-1-1946

0

11-1-1945

I

7-1898

0

1-13-1891

0

12-9-1971

0

O.B. Bell F. Everett Williams S .K. Parrish Robert L. Maughon T.W. Walker, Jr. James S. Livingston J.R. Dekle John B. Spivey C.L. Miller W.B. Lovett J.M. Rouse D. Neil Pierce Mrs. Elizabeth P. Persons Gordon Heath

6-6-1949

0

6-13-1905

0

7-1-1947

0

4-1900

0

10-1-1951

0

W.J. Lanier Holmes Neel Raymond Burrell W.B. Smith Robert P. Cravey

2-28-1930

0

Jack L. Hunter

2-15-1937

I

7-22-1916

I

1891

I

1896

I

4-15-1948

I

2-24-1937

I

9-1-1911

I

3-16-1951

I

1-12-1956

0

Clifford S. Campbell, Jr. W.J. Miller Warren K. Scoville John E. Parkerson W.W. Conoly John H. Dvais W.C. Clary, Jr. Wallace B. Bruce Edward F. Wilkie

12-1919

Gus L. Connelly

7-5-1935

0

4-22-1935

0

5-1911

0

9-6-1911

0

5-16-1966

0

3-1906

I

6-28-1971

0

10-14-1965

0

7-1-1934

0

7-1-1931

0

5-1899

0

1-1902

0

8-3-1906

I

1-4-1957

I

1-2-1951

I

4-1902

0

3-14-1950

0

B. Lewis Brown J.D. Speight Ralph L. Rhodes John B. Stewart J. Milton Brogdon Rea Steele James L. Dewar, Sr. T.H. Brice James F. Darby, Jr. W.G. Williamson J.G. Knight, Jr. W .F. Easterlin, Jr. Jimmy D. NeSmith Owen B. Jones J. Earl Elliott Jack B. Ray R.M. Drinkard

5-1-1895

I

2-1-1960

0

10-30-1918

I

6-11-1956

0

1891

I

7-1-1965

0

1-15-1952

0

3-17-1951

0

10-30-1926 I

1-2-1948

0

9-29-1902

0

11-25-1907 0

11-13-1905 0

7-6-1964

0

2-16-1897

0

F.W. Thomas H.H. Wells K.S. Varn Ralph Herrin M.K. Tucker Agnew Smith Charlie W. Bray, IJI James Harrison Charles 0. Maddox, Jr. J.C. Newton T.H. Carroll James F. Woodall S.L. Johnston C.W. Kitchens, Sr. W.H. Lovett

12-20-1909 0

1-31-1905

0

Francis F. Shurling J.J. Edwards

CASHIER
Larry N. Shearouse J.C. Kilgore, Jr.
Thomas F. Howard Herman E. Bray Betty A. Moseley Joyce C. Bentley James F. King James Edward Johnson James R. Smith W.H. Rountree D.L. Murray B.E. Blackburn Leonard Sumner Morris I. Bryant J.H. Mahone Elizabeth R. Newman
Sam Cheatwood W.R. Gibbs Myra E. Bates C.V. Smith H.D. Story, Jr.
John D. Galli
Gene F. Walker A.F. Kimbrough W.F. Beckum, Jr. F. Bridle C. Clark Dickens 0. Lynwood Denham Raymond A. Neal Ralph N. Coker Val. K. Nethery
Ray F. Bridges
F.D. Durden Jimmie J. Ryals Wm. L. Mauldin Reuben H. Flynt Mrs. J. Milton Brogdon Bruce Williams W.J. Pike Miss Lizzie Guin Jack C. Windham A.J. Jarvis Sam C. Anders Cornelia J. Ganas I. Jack Neely James S. Farr T.J. Calhoun, Jr. Julian W. Jackson Gerald 0. Norman
Frank W. Thomas, Jr. James A. Bowers, Jr. James W. Lively John L. Shipes, Jr. Gene Carr Thomas L. Walker Laquietta Purvis L. Paul Hix M. Hugh Turner E.F. Parker Ken Barnes C.E. Miller Sylvia B. Edwards T.W. Johnson, Jr. J. B. Fulghum
Katherine Snell Carolyn Gilbert

Branch Banks
15

ABSTRACT OF REPORTS OF CONDITION OF STATE BANKS IN GEORGIA AS OF DECEMBER 31, 1971
(WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1970)

ASSETS
Cash and Balance with Other Banks U.S. Government Obligations-Direct
and Guaranteed Securities of Federal Agencies and
Corporations not Guaranteed by U.S. Obligations of States and Political
Subdivisions and Other Securities (Including Corporate Stocks) Loans and Discounts Bank Premises, Furniture and Fixtures and Assets Representing Bank Premises Real Estate Other than Bank Premises and Other Assets
TOTAL ASSETS
LIABILITIES
Demand Deposits Time Deposits Deposits of U.S. Government, States
and Political Subdivisions Other Deposits (Certified and Officers'
Checks, etc.)
TOTAL DEPOSITS
Borrowings, Mortgage Indebtedness and Other Liabilities
TOTAL LIABILITIES
Reserve for Loan Losses
CAPITAL ACCOUNTS
Capital Notes and Debentures Common Stock Surplus Undivided Profits Reserve for Contingencies
TOTAL CAPITAL ACCOUNTS
TOTAL LIABILITIES AND CAPITAL ACCOUNTS

Dec. 31, 1971 363 Banks 184 Branches
$ 632,887,400 463,855,005 139,830,570 619,336,281
2,886,061,974 126,023,608 68,574,126
$4,936,568,964
$1,684,114,556 I, 802,090,286 506,065,546 169,156,666
$4,161,427,054 316,118,416
$4,477,545,470 $ 43,364,633
$ 14,845,400 106,581,680 164,640,926 96,373,760 33,217,095
$ 415,658,861 $4,936,568,964

Dec. 31, 1970 362 Banks 123 Branches
$ 541,618,978 450,390,386 133,864,124 533,272,168
2,399,256, 324 106,442,160
36,900,709
$4,201,744,849

Increase+ Decrease$ 91,268,422+ 13,464,619+ 5,966,446+ 86,064, I 13+
486,805, 650+ 19,581 ,448+ 31,673,417+
$734,824, 115+

$1,455,700,301 I ,494,230,315 433,089,408 149,948,594
$3,532,968,618 257,087,543
$3,790,056,161 $ 39,958,849

$228,414,255+ 307,859,971+
72,976, 138+ 19,208,072+
$628,458,436+ 59,030,873+
$687,489,309+ $ 3,405, 784+

$ 10,644,500 97,231,455 147,731,371 83,442,461 32,680,052
$ 371,729,839
$4,201,744,849

$ 4,200,900+ 9,350,225+ 16,909,555+ 12,931,299+ 537,043+
$ 43,929,022+
$734,824, 115+

16

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971 ASSETS

Location and Name of Bank

Cash and Due from
Banks

U.S. Gov't Obligations

Federal Agency Obligations

S.C.M. and Other
Securities

Loans and Discounts

Fixed Assets

Other Real Total Assets

Estate and and/or Total

Assets

Liabilities

Abbeville--Abbeville State Bank .................. . 391,218

Acworth--Bank of Acworth ....................... . 889,204

*Adairsville--Bank of Adairsville ................... . 485,933

4 Adei--Adel Banking Company .................... . 659,925

5 Adei--Farmers and Merchant~ Bank ............. . I ,448,072

6 Ailey--Montgomery County Bank ................ . 353,007

Alamo--Wheeler County State Bank ............. . 350,392

Alapaha--Bank of Alapaha ......................... . 357,278

9 Albany--The Citizens & Southern Bank of

Alban} ...........

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

12,165,689

10 Albany--Fi"t State Bank & Trust Company .... 8,217,381

II Albany--Security Bank and Trust Company

of Albany ........ .....

................ . 1,657,168

12 Allentown--The Four County Bank ... .

952,555

13 Alma--Alma Exchange Bank ...... .

654,780

14 Alma--Citizen~ State Bank ...

1,093,298

15 Alpharetta--Fulton Exchange Bank .. .

615,590

16 Amencus--Bank of Commerce .............. .

2,836, 742

17 Americus--Citizens Bank of Americus .. .

I ,398,608

18 Arlington--Bo~twick Banking Company ..

356,646

19 Ashburn--Ashburn Bank ...

669,984

20 Ashburn--The Citizens Bank of Ashburn.

1,247,318

21 Athens--First American Bani... and Trust

Company ..

816,633

22 Atlanta-- The Citizens and Southern

Emory Bank.

3,715,877

23 Atlanta--The Cit1zens and Southern

Bank of Sandy Springs ...

1,579,457

24 *Atlanta--Citizen~ Trust Company ..

4,626,079

15 Atlanta--DeKalb County Bank ..

499,534

.26 Atlanta--DeKalb Exchange Bank.

335,855

27 At!Jnta--Georga Savinp. Bank and

Trust Company.

627,552

28 Atlanta--The Peoples American Bank

of Atlanta.

5,561,940

24 "'At lama-- Trust Company of Georgia

189,156,558

JO Augu~ta-- The Bank of Augu~ta .

549,561

31 *Augu~ta--Georgia Railroad Bank &

Trust Company.

17,080,676

31 Au~tell--The Cittzen~ and Southern Bank

r'f Cllbb County .

1,932,816

33 :\ Hmdal~ l~tate:-.-- The CitiLen-., and

~uuthcrn DeKalh Bank ..

4,519,939

34 Bainbndge--The CitiLen~ Bank and

Tru:-.t Company.

2,636.060

35 Ball Grl)UnJ--Cni.tcn~ Ban h. ..

.137,341

36 Ba.\.lcy--Baxley Swte Bani-. ..

I ,839,240

37 Baxley--People:-. State Ban!... ...

408,954

Jg *Biack-.,h~ar-- The Black~he<tr Bank ..

424,777

3'-J Black~hcar--People~ Ban h..

I ,072,235

40 Blair:-.' die--Union County Bank

847,905

41 Blakei}--Bank of Early.

718,170

42 Blakei)--Fir~t State Rank of Blak~l).

1,243,184

43 Blue Ridge--Fannin County Bank .

1,819,675

44 Ho~ton--Pcople:-. Banking Company.

176,109

45 Bl)\\Jl)n--The Commercial Bank.

1,015,5.11

46 Bowman--RoY. man State Ban!....

269,422

47 Bra:-.elton--Braselton Banking Company

220,501

48 Bremen--The CitiLen~ & Merchanb Bani.. .

370,864

49 Bremen--Clmunercial & Exchange Bank.

2,978,685

50 Brooh.let--Farmer~ & Merchant:-. Bani.. .

602,044

51 Broxton--Broxton State Bank ..

250,513

52 Buchanan--Harah.on County Bank.

591,021

53 Buena Yi:-.ta--Buena Vi:-.ta Loan and

Sa' ing~ Bank

610,195

54 Buford--Buford Commercial Bank ..

1.030,8811

55 Butler--The CitiLenS State Bank.

1,665,850

56 Byrom' ille--Bank of Byrom\ die.

375,745

57 Byron--Bank of Byron ..

246,652

58 Cairo--Cairo Banh.ing Company .

I ,445,078

59 Cairo--CitiLen~ Bank.

879,702

60 Calhoun--CitiLens Bank of Calhoun

424,282

61 Camilla--Bank of Camilla.

901,918

600,308 988,413 440,514 1,676,475 539,495 189,160 456,945 324,401
I ,308,848 7,437,881
I ,453,858 644,233
I, 152,322 665,435
2,251 '939 1,594,991 I, 139,526
438,082 I ,774,449 2,139.216
I ,381,448
2,253, 744
2,008,486 2,877, 734
836,066 I, 179,282
2,952,528
3,642, 746 36,604,817
628,409
15,251,501
1,718.269
1,279,794
619,000 804,671 709,714 I ,043,350 987,323 I, 181,507 826,189 910,094 791.630 2,546,648
79,993 2,591,953
218,983 286,000 1%,795 2,547,810 574,000 634,677 488,036
932,463 2,581.597
254.815 432,349 350,010 725.062 I ,333,.li I 491,182 1.414, 16.l

172,000 I ,202, 773
486,560 100,000 501,000
2,968,203 349,666 125,000 900,166 424,996 626,000
2,034,859
343,206
2,196,030 8,022,385
100,000
1.000,000 100,000 200,000 100,000 50,000
675.000 150.046 200,000 175.000 145,000 520,000
739,293
322,870 265,023

239,662 428,612 549,418 762,073
30,601
17,956 891,245

1,119,803 4,846,140 2,238,486 5,473, 799 2,357,685 I, 132,908 2,070,324 3,092, 709

11,042,881 9,361,878

49,478,122 38,588,993

791,799 466,840 683,121 I ,509,034 3,165,388 4,867,638
83,618 2,125,714
572,115

3,657,855 3,610,982 6,651,210 3, 780,619 9,299,412 10,632,768 12,059,614 2,704,827 7,142,489 8,316,096

2,585,368

7,555,936

7,869,188 37,171,495

8,087.220 7,505,590

15,036,282 13,155,814 2,883,512
I ,886,544

3,608,930 10,243,549

583,558 68,845,526
359,479

30,900,016 464,989,074
3,882,902

32,872,344 123,480,017

6,538,325 14,511,027

4,230,268 28,709,4 79

2.237,150 472,392 951,759
320,904 568,679 I ,169,180 882,863 922,185 I, 138,009
I ,613,211 12,733
114.330 76,230
I ,002,523 138,124
556,856

9,180,576 2,836,478 7,089,571 2.552, 959 2,799,780 4,765,812 4,010,454 4.490,900 5,979, 781 6,085,418 I ,425, 7H9 6.961,079 1,301,937
741,367 1,657,161 4.099,464 2.696.690 2,283, 763 3,387,481

723.702 703,256 I ,538,324
13,000 2,311,489
251,321
I ,203,089

3,606,343 7,221,461 4. 797,062 1,009.123 I ,938,091 8.480,080 3.175,665 2.523,412 4.915,229

301 102,594 37,251 63,000 154,503
12,389 9,007
53,477
2,071,248 816,183
380,427 57,510 161,869 73,763
208,142 317,805 288,277
50,888 101,580 100,003
84,391
I ,088,444
234,601 5,965,746
270,727 60,210
50,001
648,669 33,8n.528
358,713
9,378,146
847,992
771,040
I 34,502 116,075 345,634 159,172 58,307 276,900 41,927 202,189 127.453 40,000
18,429 165,000
19,23 7 23.763 166.626 239,499 IJ4.607 86.796 93.324
42.870 254,077
26,734 87,154 285,024 73.359 169,110 326,661

4,311 46,607
1,992 27,476 16,808
I, 125 21,559

2,527,607 8,504,346 4,240,157 8, 762,750 4,547,166 2,188,465 2,905,751 4, 740,671

1,118,740 683,472

77,185,529 68,073,993

7,095 25,466 27,678
2,013 59,025
889 81,055
83,940 15,000

7,506,071 6,207,548 10,014,818 6,298,251 14,368,141 19,174,585 19,834,721 3,634,062 11,898,158 12,389,750

249,394 14,708,032

317,172 52,415,922

219,416 292,573
24,376 29,159

27,165,464 34,766,745
4,514,217 3,491,051

17,482,562

573,480 44,198,152
20,985

44,106,443 845,715,043
5, 900,052

2,054,576 200,117,261

403,207 25,951,639

208,114 39,718,637

71 ,437 14,151 2,755 59,727 14.235 38,796
I, 763
1,546 4,293
12.667 6,623 97,818 21,200 1,462 3, 735

15,878,726 4,681. 109 11,138,675 4,224,165 4, 705.329 7,903,930 6,945,657 7,205,YS2 9,064,235 12,354,752 1,851,914 12,551,069 I ,9<;7,313 1,543,629 2,474,301 11,485,801 4, 166,667 3,257,213 5,859, 749

640 12,782 18,762
168 33.905
6,681 50.112 160,797
1,445

5,873,346 II ,592,857 8,528,893
2,166,992 2,933,837 13.253,417 5, 763,4 74 3, 768,785 8. 762.508

*Member:-. of Federal Re~ene Sy~tem

17

Demand Deposits

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971

LIABILITIES, RESERYES AND CAPITAL

Time and Savings Deposits

Deposits of Other Public Funds Deposits

Mortgages Borrowings Other Liab.

Loan Loss Reserve

Capital Notes and Debentures

Common Stock

Surplus

Undivided Profits

755,791 2,7%,262 1,534,769 4,142,585 1,948,347
916,459 1,091,920 1,181,951

1,117,928 4,299,080 2,050,569 3.214,310 I ,772,850
730,175 I, 157,087 2,371,195

233.295 549.087 142.743 630,020 418.099 218.120 429,752 529,930

34.119 105,522
18,714 32.364 16,311 66,474 10,746 25.000

79.162 66,329 95,214
736 49,385 64.467
7.315 133,576

18,647 Hl.986 32.881 41,419 37,909 17.125 29,057 45.713

100,000 264.000 IOO,(}(XJ 200.000 100.000
30,000 75,000 IOO.OlXl

100.000 200.000 125.000 150.0lX) 175.000 140.000
75.000 150.0lX)

83.841 142.077 140.264 191.312 2Y.264
5.643 29.871 153.303

25,528,301 20,411,134

27,701,826 24,224,026

9.783,460 1,848.148 10,271,448 2.215.824

5,495.775 4,915.870

786,379 603,203

500,000 350.0lXJ

I,OOO.lXJO 1.150.0lXl

2.000.000 1.400.000

1,548.709 1,087.485

2,201,618 1,743,012 2,269,599 1,788,259 3,616,201 9,128,477 8,648,075 1,420,088 3,867,538 4,246,253

1,374.707 2,904.437 5.377.232 2, 942.735 7.494.082 5,662,611 5.426.674 1,605.524 5,761.095 6,031.003

1,828. 758 445,198
1,304,525 777.733
1,248.329 1,819,198 3,875.288
196.225 900,983 1.083.737

915,647 454,597 109,448
35,493 208.721 388,141 24.566
140.099 48,386

125.563 173.09() 49,537 71,528 688.752 71.000 149.504
18.700 157.933 122,69X

21.916
75,300 39.661 127.366 167.189 165.473 33.982 95.397 45.243

500,000 IOO.OlXl 250.000 100.000 300.000 400.000 400.000 85.000 250,000 250.000

J 75.0lXl 200.000 125.0lX) 300.000 200.0lXJ 600.000 600.000 215.000 SOO.OlXl 250,000

162.860 47.212 273.270 123.486 144,687 227.967 495.138 22.355 225,110 J 12,427

4,080,586

4,528,112

106.093

468.325

131.824

220,(X)O 1,000,000

284,502

17,264,109 23,081,210

3,109,67S 1.372.422

2.686.848

603.839

400.000

370.000

9.10.000 I, 796.294

12,420,147 10.568,434
1,369,278 I, 105,666

9,968.745 10.100.967
1,305,569 1,264.094

1,080,220 7,129, 759 1,026,990
427.830

705 431.271
68.506 27.503

1.703.158 4,191.711
172.721 143.338

224.274 25.000 13.176 LU99

205.000

450.000 897.345 .100.000 250.000

595,000 1,171.350
225,()(X) 187.5lXJ

212.326 47.252 32.974 71.718

114,653 10.542.267

952.411

21.935

1.120.214

5lXJ.lXXJ l.lllXl.lXX>

4YY.260

22.609.959 290.627,908
1.630.658

12.123,72') 202.262,21)9
2. 749.032

4,425. 768 4U 18.491
32~.537

1.216,117 84.471,458
36.401

1,081.587 152.K15.6_,5
256.957

2lXl.lXXJ 6,6lJl'l,l57
32.732

750.lXXl

625.0lXl IO,l'ilXl.lXXl
260.000

1.3lX>.OlXl 26,210.5K5
400.lllX)

(225. 719) 24.526.451
205.733

49.549.296 81,320.733 23.128.421 11.868,817 13,858.144

1,425.096

6,000.lXXl 6.000.000 6,lX)(),000 lj6(), 752

9.074,507

9,301.031

3.060.429

58.113

1,204.643

277,754

600,0lX) I,SOO.OlXJ

S<Xl.OlXl

13.942.350 11.136.17S

2.209,123 6.661.121

1,961,660

JJ0.257

.llXJ.OlX)

J60.0lXl

550,0lX) 1.854. 71.1

6,431.800 1.607. 739 5,096, 783 1.040.27X 1.519,172 2, 725.105 2.643.144 2.455.444 3,594.249 3.680.8.13
771.639 5.492,117
671.751 861.331 1.215.951 6.365,06lJ 1.474.227 1,246.327 2.457.101

5,345.005 2.032,215 3,541.785 2,019. 773 2,2.15,079 3,830,838 3,046.475 2 ..SJ2.676 3,412.7.1.1 6,86.1,851
770,522 4.534.657
983.114 107.500 60Y.936 2,951.894 1,907.'J02 1,059,643 2,095.701

1,898,263 298.926 854.066 598.47.1 .173.416 617.933 478.677
1,087.887 619.144 706.970 60.311 670.771 160.939 286.185 102.123 744,975 247.0'-JJ 720.184 7.15. 787

3Y7.616 5.505
50,808 179.418 57.041
1.1,885 98.766 54,344 86,731 71.412 16.677
623 IO.lXl2 38.467 2,.SlJ2 lJ2.652
S,l)()lJ
4,lJJO
52.34h

539.859 5'-J.227
J66,02lJ 21.6XC1 46.884
173,83 7 175.792 263,570 155,.156 64.671 75X.996
li.Sl'il'i 2K.024 34.442 .\2J.76lJ
1.136
Jl), 7~5

IJ5,J 12 40.830 115.774
3,001 41.'155
62.\SX 69.427 73.4XJ IOO.Ih6 JlJ,667 ll2.9h 7 10.741
8.114 8,143 102.-lXlJ 3J.lJ7J 10.570 52.678

500,()()() 155.0lXl
2.\0,(X)()
17S.lX)() 2lXl.lXXl 200.lXX> 2lX>.lXXJ 150,lXXl 200,0CX) 2lXJ.lXXl
SO.lllXl
.llXJ,(JlX)
75,0lXl
25.()()()
250.lllXJ 3lXl,lXXl I(Xl.lXXl
75.lXXl 40.lXXJ

5lXJ.OlXl 3XO.lXX> 525.lXX> ll)(),lXXl 2l)(),(XX>
4(X).(JlX)
llX>.<IlX> 250,()()() .ll)(),lXXI .llXl.lXXl
70.lllXJ 250,(JlX)
5U.lXXl 170.lXXI 2lXl,lXXl .llXJ,()()(J 2lXl.lXXl I02,lXXJ lbU.lXXl

IJ0.866 7f.J.6(i.> 25.0lXJ 5.\,617 J I. 780 116.16h 142,56X 1.10,410 414.322 191.142 2X,422 2X0.915 24.175 19.lXJ6 50.810 .l<X>.950 146.266 18.771 2l)(),lXXl

I,S2Y.21X 4.532.807 2.216. 455 1.155.481
I.JIY. 773 5.507,176 2.135.13 ..
934.551 2.561.432

2,217.152 4, 735.570 2. 734.078
789.836 1..135.593 5,2Y5,57Y 2,353.190 1,314.634 3,665.956

907.155 875.200 2,3 75. YY5
68,880 177.l)(J3 79.1,012 728.014 706.112 1.225,664

102.738 51.2X5 3.SY.J5lJ
8,864 .\7.381
50.112 226.-0(l 198.903

J6lJ,677
305.42~ 201,65~
24J,lJ44 29J,lJJ\
JlJ4,340 223.5\ll

h4.-U2 12lJ.044 54.510
l lJ.2K5 146.754 47,6(>1
13.773 182.717

200.lUl 225,(XXl 200.lXXJ
30.(JlX)
50.lXX> .\lXl.OlXl llXl.lllXJ 200.lXXl
2()(),QlX)

380,(JlX)
525.()()()
.l<Xl.lXXl 70,lXXl 135.01.)(.1
41KJ.lXXl 250,lllXJ ISO.lllXI 400.0lX>

2.472 2JJ.472
56.JJ5
43.lJ24
17.795 4lJ5,642
99.361 2K.847 104.31X

Capital Reserves
3 160,0lXJ 4
5 6 7 50,000
992,927 1,445.0lXJ 10
II 140.000 12 180.904 IJ 119..152 14 340.000 15 710.000 16 50.000 17 .17,185 18
19 20
150,000 21
801,518 22
305,881 2J 203,652 24
25 26
2.651,0\lJ 27
:'.lJ64.055
31
43.304 32
413.231 3.1
.14 22.(XX) 35 333.426 ]() _t2,YJ5 37
3~
39 40 41 I<Xl.OlXl 42 85.<XX> 4.\ 44 150.000 45 46 47 48 49 50 51 66,130 52
5.1 54 55 56 57 5h 5'J 60 61

Membe~ of Federal Rc~er.e Sy~tcm

18

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971 ASSETS

Location and Name of Bank

Cash and Due from
Banks

62 Camilla--Planters & Citizens Bank

I ,201.996

63 Canton--Bank of Canton.............................. I, 105,920

64 Canton--Etowah Bank........

......... 1,711,039

65 Carnesville--Carnesville State Bank....

757,015

66 Carrollton--The Peoples Bank.....

1,583,999

67 Cartersville--The Cartersville Bank

1,608,135

68 Cave Spring--Bank of Cave Spring

307,556

69 Chamblee--The Citizens and Southern Bank

of Chamblee..

. .. ... .. . .... .. .. .. ... I, 974,189

70 Chamblee--Peachtree Bank and Trust

Company ..... .

2,175,583

71 Chatsworth--Cohutta Banking Company

I ,058,935

72 Chester--Bank 0f Chester....... .

153,652

73 Chickamauga--Bank of Chickamauga .

1.117,415

74 Clarkes\ ille--Habersham Bank ..

I, 169,656

75 Ciark~ton--Citizens Bank of Clarkston ..

446,554

76 Claxwn--The Claxton Bank ........ .

483,622

77 Claxton--T1ppins Bank & Tru!-.t Company .

702,262

78 Clayton--Ban~ of Clayton

710,983

7Y Cleveland--The Peoples Bank

I ,031,452

30 Cobbtown--The Brown Bank g I Cochran--Cook Banking Company ...

154,424 605,504

82 Cochran--State Bank of Cochran

1,174,709

83 Culkge Park--Bank of the South

1,632,348

S4 Colywtt--Citizen~ Bank ................. .

976,328

~5 Columbu::,--Columbus Bank and Trust

Comp<iny.

. 10,630,585

86 Columbus--Trust Company of Columbus..... 2,170,265

'87 Comer--Merchants and f-armers Bank of

Comer, Georgia.

410,618

~8 C\)mmerce--Northeastern Banking Company. 1,221,417

XY CuncorJ--Concord Banking Company ......

487,693

S{) ConJers--Citizcn~ and Southern Bank of

Rockdale ................ .

1,506,011

91 Cnnyer':.--Fit'St Bank of Conyer~.

364,614

92 Coolidge--Farmers and Merchants Bank of

Thomas County ...

184,718

9J Cordele--Cordele Banking Compan}'

1.526,201

94 Cordele--First State Bank in Cordele.

2,876,148

95 Cornelia--Cornelia Bank ....

I ,660,107

96 Cvvington--The Bank of Covington .....

1,460,084

97 Crawford--The Commerc1al Bank

I, 181,421

9~ Crawfordville--The Peoples Bank.

383,586

99 Cumming--Bank of Cumming ....... ..

I ,498,054

iOO Cumming--Forsyth County Bank

717,654

101 Cuthbert--Citizens Bank ....

548,388

102 Dahionega--Bank of Dahlonega ...

I ,059,337

103 Dallas--The Citizens Bank of Dallas

648,381

104 Dalton--The Bank of Dalton ..

803,501

105 Dalton--The Citizens and Southern Bank of

Dalton . .

I ,656,540

106 Dalton--Hardwick Bank & Trust Company ..... 3,154,378

107 Danielsville--Bank of Danielsville ......... .

660,789

108 Darien--The Darien Bank........... ............. .... 348,736

109 Dawson--Bank of Dawson ............................ I ,261,362

110 Dawson--Bank of Terrell...

3,412,308

Ill Dawsonville--Dawson County Bank .............. . 927,550

I 12 Decatur--The Citizens and Southern South

DeKalb Bank ...................................... . I,087,439

113 Dexter--The Knight State Bank ............. .

146,118

114 Doerun--Toney Brothers Bank .

I ,630,097

115 Donabonville--Commercial State Bank .

.. 2,073,549

! 16 Donalsonville--Merchants and Farmers Bank I,240,683

117 Doraville--The Northeast Commercial Bank .. . 1,168,852

118 Douglas--Coffee County Bank ...................... . 647,172

119 Douglas--The Exchange Bank

534,403

120 Douglas--The Farmers Bank

.... 2,553,626

121 Douglasville--The Citizens Bank of

Douglasville

I ,579,092

122 Douglasville--The Commercial Bank ..... .

999,391

123 Dublin--Citizens and Southern Bank of

Dublin.......... ................................ . I,508,992

124 Dublin--Farmers and Merchants Bank ............ 2,151 ,Oil

125 Dublin--The Morris State Bank........... . ..... I ,460,114

*Members of Federal Reserve System

U.S. Gov 't Obligations
925,433 3,338,032 1,676,810
419,512 2,012,415 I, 189,758
300,952

Fetkral Agency Obligations
49,161 350,000 575,000 451,184 200,000

S.C. M. and Other
Securities
2,077,214 3,027,276 2,734,121
890,246 I ,305,103 2,610,045
50,202

847,119

7,846,217

471,239 I ,416,682
104,158 I ,304, 770
919,097 650,160 392,064 479,492 I, 130,051 I ,489,572
97,816 700,892 I ,459,908 I, 102,670 708,541

100,000 100,000 50,000 I ,292,687 501,479 101,556
100,000 I, 175,000
50.000 100,000 300,000 954,998 75,000 607,684

5,073,777 1,138,746
6,886 1,279,045 I ,243,056
2,298,202 746,854
I ,660, 906 1,995,437
I ,580,368 2,126,473 1.950,660 1,301.839

4,328,005 1,247,554

1,001,058

24,609,783 I ,886,957

675,836 1,560,632
387,787

275,573 125,000

794,401 492,248
20,128

1,342,450 512,447

),100,501 200,000

3,882,391

661,682 534,150 I ,055,489 1,924,110 5,699,985 298,531 399,812 1,413,505 308,002 I ,887,322 315,000 548,638 1,690,030

224,500 I, 703,301
1,600,000 350,352 264,984
150,675 I ,539,250
750,000 65,000
601,273

720,670 1.003, 746 2,626,885 1,603,361
421,132 382,839 2,110,550 2,177,625 542,223 2,136,225 102,210 I ,894,561

1,140,417 2,541,420 I ,288,360 I ,072,389 1,431,277
985,243 223,073

200,000 300,000 314,023
114,470

I, 784,578 473,560 785,550
1,675,912 I,836, 744
662,865

49,472 55,000 440,931 432,000 298,193 124,728 3,962,366 400,359 1,549,059

430,659
400,538 752,665

850,129 226,150
44,139 909,048 961,658
30,110 913,243
3,048, 762

260,437 I ,835,834

100,000 841,889

1,118,861 2,512,316

2,009,944 2,074,609 2,225,758

900,000 I ,447,883

5,417,942 1,275,129 1,114,276

Loans and Discounts
7,470,414 9,360,561 9, 784,330 3,467,419 12,572,852 7,113,282 I ,307,033
14,112,851
16,120,434 8,706,718
564,487 3,209,248 6,315,615 2,298,200 5,037,670 4,531,142 7,413,370 6,512,853 1,227,629 4,882,457 4,356,397 11.719,321 8,909,429
71,793,351 13,702,335
1,516,554 4,580,450 1,107,233
10,460,282 2,232,288
I ,111,871 7,907,152 6,113,326 9,097.477 9,289,657 2,684,928 1.698,593 13,769,075 6, 773,543 2, 738,723 6,402,876 I ,851,912 11,234,787
4,307,812 28,024,947
I, 139,161 3,038,177 6,866,025 8,483,579 2,242,379
5, 781,198 967,103
2,091,165 3,842,082 4,085,845 2,191,551 2, 739,867 3,159,596 12,378,922
8,008,570 8,427,932
20,811,406 9,293,064 5,940,603

Fixed Assets
230,996 380,226 517,807
46,856 177,095 368,658 57,288
544,168
506,948 186,000
19,477 76,912 208,855 225.422 271.966 51,117 145,875 104.775 20.108 42,811 22,653 536,464 43,947
3,892,992 856,624
132.796 121,331 21.899
440,734 283,649
47,108 131,792 148,560 110,993 132,185 22,100
11.153 418,628 143,442 176,425 216,737
42,4 74 178,491
654,314 569.495
19,662 160,359 210,085 282,358 61,568
234,868 7,436 787
225.227 206,354 245.950 123,206 136,741 299,515
189,461 450,794
745,478 149,290 272,097

Other Real Total Assets

Estate and and/or Total

Assets

Liabilities

7,323 15,914 5,263
100,901 414

11,955,216 17,569,341 17.015,023 6,037,497 17,851,465 12,990,781 2,023,447

253,159 25,577,706

167,217
3,166
3,424 20,319
4,312 I
22,819 I ,382
6,099
164,893 35.000

24,615,200 12,607,083
901,829 8,280,078 10,361,185 3, 742,214 8,487,840 6,610,871 12,259,006 11,185,473 1,599,979 8,118,134 10,095,141 17,181,359 12,582,771

2,143,393 118,399,171 146,636 20,010,374

988 3,080

3,806, 770 7,976,081 2,152,822

100,304 10,059

18,832,677 3,603,059

4,769 37,460
4,282 21,568
1,492
104,277 79,461 22,024 17,427
2,103

2,234,651 12,560,729 II ,20 I ,555 15,441,141 19,785,273 4,959,958 3,140,969 19,314,091 10,350,404
7,454,357 10,897,605 3,258,617 16,404,748

19,292 431,345
54,028 1,200
12,152

7,778,377 36,506,166
3,781,534 5, 705,212 11,812,715 15,001,433 4,244,060

8,624 I ,031
39,684
16,345
34,525 66,795

8,011,731 I ,833,498 4,207,121 7,521,593 6, 792,735 4,178,077 8,385,857 5,018,293 19,896,681

9,658 23,456

II ,266,081 15,091,615

184,098 21,321
1,468

30,677,861 15,864,426 12,462,201

19

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971 LIABILITIES, RESERVES AND CAPITAL

Demand Deposits

Time and Savings Deposits

Deposits of Otlu!r Public Funds Deposits

Mortgages Borrowings Otlu!r Liab.

Loan Loss Resei'Ve

Capital Notes and Debentures

Common Stock

Undividl!d Profits

3,723,275 5,051,176 5,142,322 1,903,432 9,262,546 4, 714,502
539,257

5,290,699 7,990,908 8,372.853 3,162.332 3,684,764 4,295.978
929.673

1,419.837 1,610.880
987,489 370,242
2,499.~3
1,921,324 390,405

66,673 63.837
64,69~
60,094 8,386 70,278 12.883

463,179 726,048
576.~02
87.555 566,220 731,189
2,774

205,833 289,384 149,453
57.890 170.250 136,200
11,788

150,000

250.000 400.000 500,000 100,000 400.000 300.000
50,000

500.000 1.000.000 1.000.000
150,000 600.000 460.000
70.000

35.717
272J~52 215,85~
20.949 50.000 116,610 16.664

12,623,001

7,818,934

1,403,063

31.337

1,102,643

265,640

300.000

750.000

250.000

521,525

11.020,03~
4, 781,659 330.597
2.517,466
3,542.~4
1,367.039 2,901,007 2,379.313 4,260,321
2.~~4.273
627.181 2,943,551 2,960,014 6,912,203 5,500.407

7,661.202 5,337.863
300.984 4,026.136 4,511,167 1,098,651 3,670,430 3,232,605 5.278.146 5,575,421
558.289 3,574.451 3,986,029
5,694,33~
4,377.185

1.338,790 915,056 140,443 952,059
1,165. 723 590,659 686, 132 197.843 709.803
1,359.300 160.400 713.481
1,964,498 2,123.309 1.372,065

230,480 54,431 2,713 18.393 2,199 18,258 53.543 87.986
271.553 !2(),25H
2~.254
4.201 33.979
243.27~
24.064

1,936.324 259.318 24,261 4.108 128.714 165,339 232,416 87,577 669.670
306.40<> 214.681 641.552
65,706

200,343 131,157
2,K!7 72.935 99,967 11,538 76.953 49,516 100.680 108,362
68.670 59.065 102,911 104,841

100.000

510,000 325.000
50.000 200.000 275.000 200.000 200.000 270.000 250,000 280.000 100.000 200.000 150.000 340.000 200.000

1,490.000 675,000 25.000 200.000 350.000 250.000 500.00.1 230.000 .\02,030 210.00.1 50.000 250.00.1 350.000 860.000 500.000

191.220 35.000 25,002
1~8.978
185.727 40,728 167.356 76.028
2~1.466
538.857 40,853 57.371 344,154 263.765 138.500

38.754,637 6,384,117

44,311.670 6,844.905

9,189, 992 3,650,713

3.114.690 586,584

9,450,717 678,835

1.239,493 139.792

3,065.250 4,684. 750 4,108,156

325.000 1,175,000

130,425

1,878,535 2,589,901
874.782

880.382 3,360,071
733.748

439.332 1,157,182
329,082

68,658 131,888
10,502

160,998 73.727

38,623 58.000 9,536

150.000 37.500

100,000 150.000 25.000

200.000 150.000 50,000

96.239 65.039
8.943

6,599,302 1,179,193

6.400.952 971.000

3,303,480 694.079

5.697 5,025

662,241 95,366

178,666 10,922

500.000 325,000

500.000 275,000

261.208 47,472

959,639 7,608,340 5,648,035
4,521,28~
6,728,079 1.647,597
769,068 5,472.808 2,865,919 3.342,557 3,339.957 1,370,380
4,970,7~

865,948 3,022.600 3.040,346 7,094,335 7,117.859 2.293.963 1,834,573 9,201, 720 4,708,973 2,119.388 4,025, 705 1,051,181 5,963,128

83.919 785,276 1,011,186 1,614,686 3,491.350 512,214 234.754 2.134,884 1,584.651 1,354,083
1.~39,241
447.363 3,332,910

5.854 89.617 128,014 141,313
851 5,897 5,510 161,493 51,593 69,814 88.939 27,146 47.353

64,192
l,(X)()
26,051 822,743 753.852 159.527
7~.765
365.901 2,082
591,637 90,965
679,043

16.769 333,108 226,046 159,348 519,946
29,354 24.030 233,266 23,224 40,456 97,694 18,819 117.824

100.000 200.000 200.00.1 200.000 200,000 100,000
50.000 400,000 150.000 300.000 250,000 100.000 400,000

100.000 400,000 300.000 700.000 400.000 160.000 200.00.1 750.000 400.000 125.000 325,000
70,000 600.000

38.326 119,786 334,016 137.363 403.178 51.402 23,033 191.153 200.140 100.974 314,429 82,761 286.886

3,213,944 16.095,553 2,047.943
1,833,087 3,175,201
4,8~.927
887,355

2,041. 754 13,178.587
621,808 2.538.511 6,062,625 6,812,150 2,127,909

525,182 2,708.029
588,205 520,106 I ,494,894 1.345,643 536.391

88,119 331,447
1,823 45,280 45,344 629,709 101,697

900,735 1,379,058
5,250 286,267 147,767 136,307
99,110

7,940 406,430
9,602 38,480 121,156 138,076 29,499

161.500 100,000

400.000 500,000
70.000 100,000 200,000 300,000 75,000

400,000 1,500.000
130,000 250.000 400,000 300,000 125.000

200.~5
407,059
206.~99
93,479 165.724 309.118 152.097

3,764,069 885,145
1,798,074 2,661,107 2,673.812 1,741,329 3,377,376 1,662,117 8,330,634

2,814,544 608,069
I, 738,817 2,977,147 2,504,503
934,234 3,434,649 1,934,521 6,901.446

210.607 135,840 210,386 946,467 760,949 233,190 370,355 451,559 2,432.444

4,227 10,504 94,683 185,783 79,926 184,964 42,720 88,038 177,981

523.322
2,626 54,866 175,812 433.988 133.008 245,451

23,206 9,615
35,515 69,030 63,104
9,764 54,160 28,986 218,407

140.000

300,000 55,000 100.000 200.000 200,000 300,000 100.000 212,500 750,000

250.000 60,000 150.000 300.000
250,000 225.000 400.000
80.000 500.000

Ill. 752 59,639 64.600 88,310 84,627 115,605 395.088 164,301 534.511

5,389,018 4,515,881

3,585,787 4.896,633

470,660 4,052.319

80,509 106,430

638,083 423,005

77,474
26,7~

281,400

281.400 600.000

300.000 400.000

161,747 70,576

7,792,181 5,557,291 3,093,513

14,217,260 5,449,993 5,587,465

1,731,821 2,072. 781 1,401,771

*Member:-. of Federal Reserve System

1,064,437 813,300 685,429

3,130.~5
491,789 708.285

328,899 169,519 96,847

600.000

600.000 250.000 330.000

600.000 500.000 400.000

472.394 341,442 158.887

Capital Reserves
62 164.254 63
5,545 64 125.000 65 609.614 66 94,697 67
68
511,560 69
36.800 70 92.596 71
72 100,000 73 100.000 74
75 76 77 135.333 78 7'J 35.000 80 81 32,7!S 82 83 300.000 84
4 79.813 85 95.001 86
105.000 87 3.000 88 89
421.128 90 91
92 93 287.858 94 50.061 95 170,155 96 97 98 99 100 101 25.000 102 103 6,831 104
15 105 106
100.000 107 108 109 110
10.000 Ill
10,000 112 9.~3 113 12,415 114 38.881 115
116 117 78.499 118 10.816 119 51,255 120
121 122
140.183 123 218,307 124
125

20

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971

ASSETS

Location and Name of Bank

Cash and Due from
Banks

U.S. Gov't Obligations

Federal Agency Obligations

S.C.M. and Other
Securities

Loans and Discounts

Fixed Assets

Other Real Total Assets

Estate and and/or Total

Assets

Liabilities

126 Dudley--Bank of Dudley ....................... .

1.237.577

!27 Duluth--The Bank of Duluth.

890,466

128 Eastman--Bank of Eastman ...... .

971,207

129 Eastman--Citizens Bank & Trust Company ..... . 2,204,679

130 East Point--Bank of Fulton County

2,918.381

131 Ea~t Point--The Citizens and Southern Bank 6,183,449

132 Eatonton--Farmers & Merchants Bank ..

607,282

133 Eatonton--The Peoples Bank ....................... . 549,341

134 Edison--The Bank of Edison .......... .

590,146

135 *Eiberton--Gran1te City Bank

1,517,623

136 Ellaville--Bank of Ellaville

514,428

13 7 Ellijay--The Bank of Ellijay .

733,475

1."~8 Fairburn--Fa1rburn Banking Company ..... .

631,027

13Y Fayetteville--Farmers and Merchants Bank .

439.417

!40 Fitzgerald--The Fir>t State Bank of

Fir Lgerald ...

561,476

14l Folkston--The CitiLens Bank ....

1,669,344

i4:! Forest Park--Bank of Forest Park.

2. 779,740

143 Fore~t Park--The Citizen~ and Southern

Bank of Clayton County ..

3.115,523

144 Fors}th--CitiLens Bank of Forsyth, Georgia .. . 320,24Y

145 Forsyth-- The Farmers Bank ..................... .

548.352

146 Forsyth--Monroe County Bank .

I, 181.421

147 Fort Gaines--ron Gaines Banking Company

431,139

!48 Fort Oglethorpe--Fort Oglethorpe State Bank

456,446

149 Fort Valley--Bank of Fort Valley ................. . 905,829

150 Fon Valley--The Citizen; Bank .................... . 669,320

!51 Franklin--The Bank of Heard County ........ .

331,304

!52 Gainesville--The Citizen~ Bank.

2.204,220

153 Gib~on--Bank of Gibson . ........................... . 167,227

!54 Clennvillc--Fir~l Citizens Bank ........ ..

679,293

155 Glennville--The Glennville Bank and Trust

Company

826,689

!56 li:ordon--The Gordon Bank ................. .

726.024

157 Gray--Bank of Gray ..

686,526

I58 Greensboro--Bank of Greensboro ..

678,510

159 Green'iboro-- The Citizens Bank ............. .

524,391

160 Green'"ille--TheGreenville Banking Company

877.076

161 Griffin--The Bank of Griffm ........................ . 770,865

162 Griffin--Commercial Bank & Trust Company 5,036,715

163 Haddock--Jenes County Bank ................. .

235.406

164 Hahira--CitiLen~ Bank of Hahira .. .

561.975

165 Hahira--Commercial Banking Company.

209.690

166 Hampton--Bank of Hampton.

586,717

!67 Hapeville--Citizen~ Bank of Hapeville ..... .

1.328.699

168 Harlem--Bank of Columbia County ... .

308.064

169 Hartwell--Bank of Hartwell ............... .

799,983

170 Hartwell--The Citizens and Southern Bank

of Hart County ..................... .............. .. 927,828

171 Hawkinsville--Planters Bank ........................ . 582.387

172 Hawkinsville--The Pulaski Banking Company I, !52, !57

173 Hazlehurst--Bd.nk. of Hazlehurst

984.14::'

174 Hazlehurst--Jeff Da"is Bank .. ............... .

496.053

175 Hiawassee--Bank of Hiawassee ...................... 1,175,393

176 Hinesville--The Coastal Bank....................... 309,063

177 Hinesville--The Hinesville Bank ............... .. 1.066,551

178 Hogansville--The Citizens Bank ................... .. 390,313

179 Homerville--Empire Banking Company ..

686.985

180 Irwinton--Wilkinson County Bank .

440,989

181 Jackson--The Citizens and Southern Bank

of Jackson ...................... ............... .

492,955

182 Jackson--Mcintosh State Bank .................... . 729,287

183 Ja>per--Jasper Banking Company .................. . 698,265

184 Jeffersonville--Peoples State Bank .

51! ,582

185 Jonesboro--Central Bank and Trust Company 1,264,319

186 Kingsland--CitiLens State Ba:{lk ................ .

188,019

187 Kingsland--State Bank of Kingsland ........... . 773,281

188 LaFayette--The Bank of LaFayette, Georgia 1.247,829

189 LaGrange--The Citizens and Southern

Bank of LaGrange .......................... .

2,376,631

190 LaGrange--LaGrange Banking Company ........ . 1.570.569

191 LaGrange--Peoples Bank of LaGrange .... .

1.306, 736

192 Lakeland--Farmers and Merchants Bank ........ . 603,454

193 Lavonia--Northeast Georgia Bank ................ .. 582,039

499,973 1,426,277
516,400 4,100,387 1,099,919 I ,865,397
749.951 611,000 I ,657,428 527,698 1,439,084 1,361,061 1.352, 178
797,962 I ,078,640 I, 159,287
1.015.227 1.446. 941
462,665 449,925 1.119,126 124,350 I ,496.829 690,405 1,847.545 1.592.148 567.974 399,474
458,000 375.000 142.000 993,161 228,853 678,123 I ,289,335 II ,284,565 102,000 453.519 100,000 405.000 I, 189.156 567.869 1.145.511
998.298 1.326,129
515.133 663.662 505.452 718,060 263.371 907,039 200,752 I ,584.332 729,450
I ,003,946 277,156
I ,552.161 211,165
3,187,587 152,218 617,857
3,101,163
705,838 539,225 956.172 858,904 399,815

298,430 678.658 950,000 799,987 3, 763.562
100,000 150.000 50,000
I, !50
200,000 1.100.000
100,831
800,000
I ,697.850
100.000 300,000
575,000 200,854
650,000 I ,950,000
147,970 100.000
355.000 480.000
50.000 1.099.921
935,257 153,322 100,000
1.250,000
340.015
230.764
20,000
300.000 25,000
450,000 324,940 700,000 786,129
460,000 1,000,000
95.000 200,034 303,250 676,122 200,200
100,000
600.000

840,6!5 2,288,358 2,202.513 2,496,540 3.999,317 3, 789,136
556.617 960,312 947.672 1,601.616 697.652 I ,550,362 1.485.813 1.441.312

3,866,443 6,521,296 6.527.016 5.866.120 21.090,455 27,564,082 4.908,044 3,425,350 4.024,122 9,306,701 2,582. 788 7.485,983 5,413,798 6,392.215

1,485,788 I ,633,878 1.364.477

4.962.159 8.531.227 16,249,015

4,251.128 317.875 522.192
2,185.070 443.430 158.624
2.219,109 1,644,431
85,363 728.448 375.000 699,494

11.859.365 3,066.336 3.917.638 2.943.907 2,123,220 3,318.673 7.391,438 6.319,850 I, 184,580 II ,568.83 7
548.299 2,886.369

904.772 551.012 932.580 907,650 444,723 705.882 864,254 9,551.962
5,059 341,461 518,731
3, 769.093 256.115 371.327

5,573, 777 2,008.355 2.607.837 4.105.379 2.637,081 2,183.984 4.399,379 42,556.517
700.087 2.788,802 I ,622,415 1.140.142 9.959.778 2.233.529 3.073.901

4.354,536 2.404. 755
323.573 402,056 680.451 1.292,677
I ,850,325 453,776 732,430 388,284

9,644.411 5, 140,121 3. 953.575 3,360.963 4.012,936 3.620. 780 1.006,543 4,611.120 2,803,579 1.995,650 I ,687, 798

I ,517,287 439,652 290,256
2,503,427
3,257, !56

6.897.073 4,039.031 6,540.790
854,182 6,642,499
939,886 2.688,171 9,604.886

9.866.663 2,428.516 1,879,841
689,701 976,575

23.925,962 8.356,461 6,231,401 2.853,334 4,433,935

48,934 183.238 233,099 292.754 588,108 I ,560.162 94,134 84.541 35.141 326,891
II ,552 75,000 141.666 30.530
152.999 251.800 961,267
575.303 100,854 117.999 47,883 58,635 65,488 309.523 306,420 33.856 55! ,209
14.300 252.125
216,116 80,006 120.966 122.390 52.534 13,997 196.967
692.128 47,405 40.137 37,818 10,321
313,466 111.740 104.531
145.604 195.533 49,970
22,696 37.299 20.7S6 286.69Y 171.325 46.044 18.049
217,619 85,894 172.473 102,862
349,312 14,4 70 16,813
259,964
1.104.246 191,635 220,498 48,068 104,001

1.400 45,379 90,500
428.019 96,604
4,749 22.753 96,192 14,643 16,515 81,583 215.632

6,293.401 11,107,371 12,400,613 12.176.483 36.888,232 40.293,355 8.131.476 5,924,246 6,280,836 14,507,603 4,348, 763 11,500.42! 10,214,950 9.972,118

3,978 38,409 312,298

8. 764.365 13.203.301 24,523.938

177.534 34,941 101.737 26.705
I ,823 30.982 83,956 33,214
2,999
62,756

20.994.083 5.287,199 5, 770,586 7,134,913 4.177,375 4.729.565 12,607,541 9,663,642 4.132,649 18.597,863 1.820,772 5,049.515

20,927 6,070
U!O 326
3.466 43.958
3. 733 17,816
26,000 383.940
8.165

8,355.283 4.226,469 4,539,910 7, 908,825 4,823,167 4,615.853 7,664. 760 69.121.889 I ,093.692 4,203.713 2,488,655 2.168.180 18.194,134 3,477,320 5.843.436

352.019
3,749 59.698
5.530
58.681 45,183 31,367
1,501 I, 193

16.653.463 9.648.928 6.018,161 5.470.525 6,023.120 6,869,211 I ,658.446 9,216.919 4.376,055 5, 746,944 4.051.895

II ,381 46,653
3,530 1,450 98,387 10,016
3.853

10,140.265 6,077,675 10,257,477 I, 776,243 14,245,568 I ,607,861 4. 772.247 17,675.053

319.659
43.356 I ,504
25,807

38.299,002 13,086,409 10,738.007 5.054,967 7,122,173

*Member~ of Federal Reserve Systern

21

Demand Deposits
2.073,365 3.823.521 3,744,136 3.613,362 14,691.125 14,733,560 2,290,402 1,881,052 2,012,205 4,329,830 1,573,054 3,542.546 4,499,121 3,052,112

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971

7ime and Savings Deposits

LIABILITIES, RESERVES AND CAPITAL

Deposits of Other Publk Funds Deposits

Mortgages Borrowings Other Liab.

Loan Loss Reserve

Capital Notes and Debentures

Common Stock

Surplus

Undivided Profits

Capital Reserves

2,679,071 4,439,625 6,097,021 5,268,828 10,383,191 13,533,347 4,009.097 2, 733,185 2,960,205 6,174,891 1,517,604 5,792,718 3,420,823 4,041,189

709,192 1,121,400
923,151 1,879,130 7,436.456 1,803,555 1,157.277
716,447 616,168 2,195,221 635,348 1,000,174 1,074,410 1,350,480

42,885 94,096 20,688 123,545 260,577 2.374,538
1,331 36,159 56,177 88,570 13,091 35,348 11,371 32,379

122.482 491,208 716,735 389,358 978,550 3,915,827 140,100
69,723 80,891 477,879 71,618 236,883 279,053 616,825

26,522 123,967 123,511 89.617 283.402 464,713 68,229 29,664 61,809 145 .000 3 7,659 103,516 83,31 I 99,558

500.000

150,000 400.000 250,000 200,000 500,000 450,000 200,000 150,000 200,000 480,000 200,000 200,000 175,000 120,000

150,000 350,000 400,000 400,000 1,000,000 1,100,000 150.000 200,000 200,000 545,000 150,000 200,000 350,000 180,000

284,559 246,007 122,007 212,639 1,354,926 861,328 115,038 108,013
93,379 71,210 135,386 22,512
5,000 371.460

55,322 126 17,544 127 3,360 128
129 130 556,483 131 132 133 134 ............... 135 15,000 136 366,721 137 316,859 138 108,111 139

2,833,509 3,667,220 8.142,092

4,213,104 5,679,878 7.005,632

546,599 1,316,980 4,021,50 I

135,078 269.709 2,388,281

66,242 1,360,154
868,650

91.705 96,074 135.896

200,000

500,000

178,124

140

250,000

350,000

113,284

141

650,000 1.060,000

251,882

142

6.107,616 1,929,948 1,627,193 2,001,828 1,741,915 1,526,308 3,41 1,077 2,592,619 1,277.529 7,837,219 1.233,646 1.359,593

5,977,704 1,364,363 3,004,412 3,552,451 1.463,818 2,113,943 5,547,024 3,943,226 1,549,794 7,380,272
2,333,424

5,195,646 1,452,306
625,735 980.340 415,477 446.723 1,817,578 1,455,680 849,550 1,499,617 422,315 552,351

20 18,786 21,573 10,654 12.852 57,290 133,171 103.751 4,583 13,010
329 2,078

2,117,953 24.886 158,536 143,967 27,826 38,166 339,141 548,221 1,451 126,071
216,168

145,388 13,805 40,032 54,610 17.675 23,671 101,472 97,204 18,449
200,001
37,252

300.000

240,000 120,000 125,000 100,000 100,000 225,000 450,000 140,000 50,000 720,000 50,000 120,000

660,000 130,000 143,260 250,000 125,000 171,000 550,000 510,000 175,000 200,000 50.000 365.000

127,560 50,000
24,842 41,061 192,789 127,460 258.075 263,492 92,746 521,670 27,000 63,647

122,194 143 183,103 144
145 146 80,000 147 148 149 9,445 150 113,544 151 152 37.480 153 154

2,668,994 1,142,840 1,855,492 1,796,673 1,618,662 1.516,092 1,810,421 14,375,025
699,990 1,401.878
834,627 692,840 6,649, 762 1,236,339 I, 725.834

4,200,668 2,037,053
975.387 4,261,942 2,165,067 1,632.440 2,494,267 33,067,991
212,384 2.060.473 1,274,832 1,126, 788 6,494,211
992,406 2,833,902

446,566 644,943 973,406 1.038,949 412,556 885,477 1,577.913 8.399,804
26,869 139,485 31,446 106,737 2,869,422 672,785 738,829

63,654 12.427 12,052 72,513 5,028 18,160 832,813 5,886,819 4,716 144.489 39,667 32,114 105,083 100,000
12

207,353
271,737 44,327 152,558 169,186 295,402 2,892.217
184,673 120,493
550.861 10,232 62.898

75,134 II, 144 29,216 32,071 30,551 61,800 45,583 612,307
30,478 23,115 19,591 170,999
47,379

200,000 140,000 100,000 150,000 75,000 100,000 250,000 1,600,000 25.000 50,000 50,000 50,000 900,000 100,000 150,000

300,000 130.000 150,000 300,000 175,000 100,000 150,000 1,900,000 95.000 150,000 75,000 50,000 300,000 200,000 150,000

192,912 108,060 172,618 133,867 188,741 132,696 208,358 387,722 29.731 42,234 39,197 90,107 153,791 165,555 134,579

155 156 157 78,481 158 159 160 161 162 163 164 274 165 166 167 168 169

5,130,224 3,571,186 2,538.843 3,371,313 2,129,303 2,598.946
644,435 3,449,924 1,594,203 1,996,276 1,178.202

8,382,874 4,487. 759 2.379,160
821,617 2,524,695 3.331,478
474.644 2,948.568 1,289, 774
~.230.313
1,876,563

1.256,841 557.873 487.552 551.051 604,290 264.862 135,414 319,401 718,677 903,705 613,982

27,552 87,480 24,614 31,745 59,061 31,302
5,277 1,334,468
49,776 15.780 18,109

458.087 35.019 40,914 23,392 93,699 38,370 48,168 263,140 395,212 70,708 20,831

136,772 67,294 52,185 59,086 44,667 48,913
5,089 65,812 39,761 38,647 42,889

300,000

400,000 100,000 150,000 100,000 100.000 150,000 175.000 330,000 120,000 150,000 50,000

200,000 300,000 200,000 250,000 250.000 100,000 100.000 170,000
80,000 200,000 200,000

247,350 25,000 144,891
262,319 189,054 305,337 70,416 188.601 78,649 66.511 51,317

113,761 170 417,315 171
172 173 28.347 174 175 176 147.000 177 10,000 178 75,000 179 180

2,712.343 1,611.731 3,715,654
644,585 5,829,934
313,287 961,815 5,402.227

4,698,902 2,936,771 4,871,361
443,039 3,982,076 1,063,625 2,716,170 6.599.490

987,190 496,570 629,660 444,354 2,060,967
23,961 558,930 3,621.591

44,012 58,364
6,427 129,535 52,935 77,109 85,093

897,570 436,358 268.239
81,033 998,626
342,163

71.597 50,636 96,096
111,584 800
30,547 154,697

300,000 250.000 200,000
50,000 400,000 100,000 100,000 400.000

200,000 100,000 400,000 95,000 600,000 25,000 100,000 800,000

151.327 137,243 76,465
11.803 132,842 28,251 100.000 269,790

77,320 181 182 183 184 185 186
126,673 187 188

9,797.232 4,780,392 2,678,937 1,797,796 2,713,657

17,556,748 4,083,857 6,068,578 I, 720,291 3,062.522

3,033,488 2,202.389
437.898 799,682 662,190

*Membe~ of Federal Re~ene Sy~tem

127,650 25
145,149 27,987
6.210

4,076,431 901.212 477,957 283,075 102,445

406,732 109,828 101.534 40,807 32,803

500,000

500,000 200,000 400,000 100,000 100,000

550,000 300,000 275.000 200,000 275,000

2J8.2n 340.819 152,952
85.326 67,066

1,512.439 189 167,884 190 191 192 100,277 193

22

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971 ASSETS

Location and Name of Bank

Cash and Due from
Banks

U.S. Gov't Obligations

Federal Agency Obligations

S.C.M. and Other
Securities

Loans arul Discounts

Fixed Aslets

Other Real Total Alset.\

Estate and and/or Total

Assets

Uabilitiel

194 *Lawrenceville--The Brand Banking Company 1,465,402

195 Lawrenceville--Gwinnett Commercial Bank ..... . 550,367

196 Leary--Jordan Banking Company ................. . 182,311

197 Leesburg--The State Bank of Leesburg,

Georgia ............................................... . 326,885

198 Lenox--Bank of Lenox ............................... . 449.747

199 Leslie--Farmers & Merchants Bank ............... . 442,542

200 Lexington--Citizens Banking Company .......... . 288.754

201 Lincolnton--Farmers State Bank.

614,977

202 Lithonia--The Peoples Bank ................... .

818,005

203 Locust Grove-- The Farmers Bank ............ .

255,948

204 Loganville--Bank of Loganville ............... .

305,308

205 Lumber City--Bank of Lumber City ....... .

94,816

206 Lumpkin--Farmer~ State Bank ......

492,001

207 Lyons--The Peoples Bank of Lyons. Georgia 1,967,484

208 McRae--The Merchants & Citizens Bank .. .

680,715

209 Mableton--The South Cobb Bank .......... .

2,204.289

210 Macon--Georgia Bank & Trust Company.

4,295,059

211 Madison--Bank of Madison ...

731,532

212 Manchester--Bank of Manchester ..

1,091,230

213 Manchester--Farmers and Merchanb Bank

of Manchester ...

1,107,806

214 Mansf1eld--Bank of Mansfield.

218,019

215 Marietta--Cobb Exchange Bank.

3,175,330

216 Marietta--Commercial Bank of Cobb County 4,370,667

217 Marshallville--First State Bank

173,524

2 I8 Martinez--Georgia State Bank

506,106

219 Meigs--Bank of Meigs ........ .

370,211

220 Metter--Metter Banking Company

1,080,932

221 Metter--Pineland State Bank .....

420,852

222 Midville--Bank of Midville .

327,671

223 Milan--Bank of Milan

287,336

224 Milledgeville--The Citizens and Southern

Bank of Milledgeville ...................... .

1,319,072

225 Milledgeville--Exchange Bank

1,855,469

226 Milledgeville--The Merchants and Farmers

Bank of Milledgeville .. .

1,000,686

227 Millen--Bank of Millen ...... .

592,499

228 Molena--Bank 1.lf Molena

108,348

229 *Monroe--The Farmer~ Bank ..

2,242,260

230 Montezuma--Montezuma Banking Company. 1,064,816

231 Monticello--Bank of Monticello

283,617

232 Morrow-- The Fir::-,t Bank of Clayton County .. 437,878

233 Moultrie--American Banking Company.

629,904

234 Moultrie--The Citizen::-, and Southern Bank

of Colquitt County ...... .

....... 3,390,282

235 Mount Vernon--Mount Vernon Bank .

506.699

236 Na::-,hville--The CitiLen::-, Bank.

756.634

237 Na~hville--The United Banking Compan).

625,363

238 Newington--Bank of Newington .

180,589

239 Newnan-- The CitiLen~ and Southern

Newnan Bank.

1,769.860

240 Newton--Baker County Bank ..

299,687

241 Nichoii~--Nicholl::-, State Bank ..

168.521

242 Norcro::-,s--The Cit1Len~ and Southern

Bank of Gwinnett

545,905

243 Norcro~~-Gwinnett Bank & Tru~t Compan) ..... 2,425,122

244 Ocilla--The Bank ,,f Ocilla, Georgia.

1.172,466

245 Ocilla--The Fir>t State Bank of Ocilla.

654,366

246 Ogletht>rpe--Bank ~lf Oglethorpe.

1,199,229

247 Omega--South Georgia Banking Company.

182.878

248 Palmetto--Fir~t-Palmetto Bank.

533,147

249 Patter~on-- The Patter~on Bank .

260,049

250 Pa\o--PaH> State BanJ... .

197.148

251 Peachtree City--The Fayene State Bank ..

666,627

252 Pear~on-- The Cni.ten~ Exchange Bank .

392,898

253 Pelham--Farmer~ Bank of Pelham ...

1.056.543

254 Pelham--Pelham Bankmg Company.

369.399

255 Pembroke--The Pembroke State Bank.

285.848

256 Perry--The Bank of Perry .

1.491.967

257 Pinehur~t--Bank of Pinehur~t .

737.526

258 Pme Mountain--Farmer~ and Men.:hanh Bani-.. 779.625

259 Pine\ie\\--Pine\ie"' State Bank.

160,067

576.664 494,054 270,590
511.862 563,090 150,000 290,000 1,125,813 914,057
75,000 274.618 110,000 932,943 1,905.333 1.138,158 755,736 5,281,906 610,000 2.316.633
155,135 102,964 2,672,496 2.274.164 224,970 73.186 234,760 1.422. 773 427.869 234,775 50,000
1,911,978 3.407.142
1,633,236 1,554,050
165.427 1,404,829
726,840 1.104.422
200,750 493.336
1,830,447 982,750 373,958 255.750 214.190
901.062 322.230 1.153. 718
667.903
69,547 1.064.920
782.867 226.509 887,500
49.900 77,908 298.354 1.401.435 905.896 405.209 1.517.893 870.456 255.630 1,126.401 121.905

385,000 306,434 251,557
25.000 1,100,468
499,812 617.733 560,454 275,087 219,605
80,000 325.000
500.000 506,713 450.041 270,000 954.171 250,000
520.281 453,039 115,000 1.099.713 200,000
574,250 50,000
100,000 500.000
346.796 854,401
950.000 797.301 270,000 1.050,000
600.000
100,000 300.000 1,050.000
191.356 199.750
268.725 133.118
330.000 25.000
460.276
200.000 949.906 325.000 250.000

4,134, 768
92.825
142.786 565.522
39.391 213.517 808.998 2.342,076 802,433 826,417 200,625 180,220 454.031 1.174,860 981,550 7.309,130 350.422 1.701.950
454.427 127.718 6,573.081 3.393.143 148.809
144.981 371,008
28.678 132.290
2,083,827 3,357.052
968.799 1.449.419
9.942 1.449.881
609.980 126.488 265.000
5,681.261 391.608
1,147.422 841,602
4,240.569 202.530
1.888.625 1.259.657
532.678 1,122,615
504.300 104.518
11.143 235.515
24.036 746.546 302.125 835.744 1.078.304
85.000 2.352,098
25,000 1.043.481

8,148.535 1,629.516 I. 729.250
1.906.946 1. 926.879 1.313.276 1.852.196 3,238.260 3. 977,397
1.343.658 960.302
1.119,032 3.880,681 2,743,120 12,028.089 32.757.337 3,645.213 5,085,710
2.442.983 1.641.462 17.985.705 9.317.403 I, 745,169 1,216.481 1,323.212 7.277.623 2,841.410 1.056.235 1.996.545
9.874.147 9,234.747
4.855.522 4,263.996
922.707 8.984.163 3.281.733 2.586.153 2.747.502 2.247.476
14.022.020 2.080,671 5.505. 93X 4.835.899
600.331
16.514.144 1.454.732 528.764
5.119.580 7,121:S.I29 3,691.903 5.040.898 3.727.197
824.3'}() 3.471.053 1.077.424
925.969 2.885.832 1.657.385 5,277.285 4.911.883 3.563.076 5.600.910 1.953,678 4.216,517 1.236, 732

334.632 235,769
21,777
90,124 48.323 45.551 65.074 77.746 144.465 20,864 27,811 43.126
8.888 86.46 7
434.230 769.734 165.849
31.251
35.605 5.937
470.107 600.869
20.210 170,67.1
11.708 32.108 75.401
3,832 20.63 7
109.322 467.010
161.061 30.957
6.811 557.387 241,499 118.428 282.74 7 203.485
1.000.625 36.417 191.408 128.320 9.276
572.320 8.915 14.945
360.127 299.53::! 161.120 240.469
15.904 24.751 252.103 13.404 16.500 17.637 104.419 58,512 122.630 l17,6M2 175.0'}() 23,994 59.419 52.348

14.035 1.288
9.581
6.117 5.653
67.103
4.185 9.331 11.358
56.125 128.610 305.725
2.564 14.204
2.446 564
200,311 303.446
7.839 5.415
41.893 28.514
170.355 192.681
4,552
36.643 28.647
4.864 15.484 25.347
158.577 21.3J.l
14.065
160.459 8.1.805
95,522 110.208
3.346 661
55 22.330
43.098 3.951
113.965
43.295 63,046
3.000

15,045.002 3.230. 178 2.549.601
3.013,187 4.654.032 2.496.691 3.332,929 6.426.250 8.538.193 1.37.l.852 2,862.000 1,743.201 2. 744.444 8.793.999 6.299.695 16.982.548 50.988.893 6.459. 754 10,490.981
4.718.687 2.549. 705 31.192.034 21.359.407 2.520,523 I. 97i.X62 2,659.123 10.276.340 3. 794.047 I. 751.192 2. 986.810
15,815.499 19.368,505
9.5 73.858 8.688,224 1.483.23 7 15,725.166 6.003.517 4,223.974 4.549,363 3.599.550
26.083.214 4.119.479 8,275.362 7.751.001 1.004.387
24.158.416 2.563.257 2.065.699
8.677.664 11.49 i.J 75 5.764,181 8.123.930 6.559.499
1,388,048 5.155.004 1.658.624 1,241.564 5,118,374 3.862,214 8,247.948 7,027.252 5,612, 796 10,753.569 3, 948,736 7,550,445 1.821.052

*Memben. of Federal Rc!M!n e S~tem

23

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971

LIABILITIES, RESERVES AND CAPITAL

Time and Savings Deposits

Deposits of Other Public Funds !Hposits

Mortgages Borrowings Othr Liab.

Loan Loss Reserve

Capital Notes and Dbentures

Common Stock

Surplus

Undivided Profits

Capital Reservt"s

4,529,675 880,694 929,111
1,050,851 1,284,146
927,736 998,389 2,232,364 4,222,259 659,666 1,223,760 791,080 1,126,721 3,765,495 3,642,738 5,998,607 15,030,503 2,416,398 3,352,428
1,370,046 851,393
12,749,640 11,759,307
892,301 628,927 I, 106,937 3,022,291 954,260 686,031 1,603,422
4,395,730 4,747,964
2,926,092 3,343,713
407,903 4,681,153 2,043,278 1,030,749 1,678,825 1,447,688
10,871,063 1,301,648 2,992,408 2,417,035
497,358
6,988,625 1,183,265
653,813
3,184,572 4,428,121 2,168,563 3,193,066 2,055,617
493,687 1,831,478
836,775 532,992 1,499,459 I ,738,655 2,706,932 2,097,609 1,651,912 3,575,556 2,000,584 2,469,269 735,233

7,279,272 868,410 913,273
985,269 1,940,440 I, 168,333 1,794,216 3,072,986 2,856,059
473,438 1,286,594
569,203 934,441 2, 712,673 1,109,641 6,590,745 14,716,533 2,853,375 5,536,512
2,014,022 I, 160,530 8,628,023 4,631,604
964,990 756,196 925,587 4,975,175 I ,987,580 610,152 1,007,156
6,037,791 8,419,999
4,597,175 3,714,200
710,641 6,049,476 2,304,543 2,531,541 1,645,460
788,956
8,755,477 1,655,823 3, 775,340 3,472,554
319,506
10,099,829 425,393
1,151,996
2,926,142 3,582.211 2,569,799 3,304,870 2,864,772
345,276 1,644,3%
449.292 456,475 2,509,875 1,495,232 2, 720.916 3,241,058 2,228,916 3,742,582 1,165,713 3,314, 769 703,288

1,678,778 722,107 372,696

9,263 123,257

603,960 752,402 157,281 256,037 405,334 511,856
46,628 40,492 107,619 395,398 1,092,033 640.321 1,241.579 10,802.718 630.251 499,346

34,246
12,997 I ,550
47.948 24,803
3,159 4,838 3,247 225,941 26.607 438,555 2,494,466 20,202 8,106

829.673 259.517 5,892,795 2,292.420 360, 123 121.994 205,283 868.019 415.992 165.776
30.288

35.238 3,311
40,105 157,381 28,449 40,460
17,537 169.875 47,351 62,710

2,399,168 3,415,701

42,174 251,239

136,588 719,106 159,543 2,869,997 714,407 233.138 239,346 304.249

1,091,709 36,955 6,056 101,758 40,182 12,776 21,700 26.139

1,529, 796 762,749 520,589 672,178 63,777

147,185 56,502 211,276 385,952
3,597

2,162, 753 358,323 76,718

31,695 33,437
2,178

951,982 2,129,210
339,748 814,062 1,000,%6 273.775 552,523 139,980 58,272 268,239 264,460 1,306,289 692,402 687,865 2,030,754 468,082 872.993 131,767

3,208 100,568 70,364
1,324 23,400
3,518 3%,177
12,264 12,123 20,025 3,085 221,090 17,886 67,861 60,441 15,892 58,102 5,8%

13,010 44,589 57,092
81,092 60,019
131.330 277.847
24.275 62,697
8.931 45,792 97,586 101,585 1,195.760 2,236.744 61,041 270,266
18.500 31,117 958,973 566,675 25,188 44,706 22.118 413,852 %,366 47,474 %,734
1.333,945 817.238
59.845 188.258 34,935 362.155 432,695 51,656 181,777 49.758
1,701,291 53.272 169,427
235.000
2,804,750 50,750 2,959
638,005 271,193 175,564 101,120 122,374
44,600 127,413 21,373 20.804 289,532 68,920 290,070 113.301 422,851 185.784 111,475 149,143 38,705

118,061 1,000
17,114
13,582 9,492 14,087 27,000 38.602 58.490
21.327 18.475 6,534 51,692 100.002 121.391 4%,016 57,586 78.815
37,027 11,593 320,553 157,062 28,057
19,742 99.006 31,144
7,056 42.442
123,044 142,300
72,627 52.943 10,249 143,093 53,923 39.219
6,950 7,064
300,428 23.839 40,381 60,286
8,153
263.083 29,408 6,575
68,277 29,779 74,159 70,608 35,297
20,824
8.835 32,617 10,371 107,199 85,054 44,450 89.380 11,604 58,157

400,000 300,000
50,000

400.000 225,000 140,000

616,941 65.119 70,313

............... 194 195 1%

100,000 150,000 50,000 100,000 200,000 130,000 30,000 50,000 50,000 100.000 200.000 300,000 417.500 1,562,500 100.000 200.000

100,000 300,000 110,000 100,000 200.000 220,000
80,000 100,000 110.000 100.000 300.000 100.000 617,500 2.000.000 150.000 200.000

119,523 67,677
9,232 36,288 144,083 193,732 35,040 73,%7 83.052 30.701 298.576 50.000 360.909 1,637.734 148,398 325,506

40,000 197 34,533 198 ............... 199
8,000 200 201
10.000 202 203 204 205
1.605 206 50,000 207 228,799 208
209 11,676 210 22.500 211 20,000 212

100.000 100.000 500,000 560.000 75,000 185,000 50,000 250,000 100,000 50,000 105,000

100,000 100,000 1,000.000 1.000.000 100,000 162.200 100,000 250.000 125,000 100,000 75,000

214.178 32,243
1,091,321 174,920 34,009 32,376 111,917 78.118 36,350 21,990 26,766

213 214 10,620 215 60,035 216 12,402 217 218 100.000 219 150,000 220 221 222 223

400.000 360,000

600.000 1,040,000

259,093 69,878

224,551 224 104,182 225

200.000 200,000
30.000 350.000 100.000 117,000 375.000 500.000

300.000 250,000
70.000 770.000 150.000 99,786 275.000 400.000

189,819 33,047 53,907 397,580 164,486 108,105 125.302 75.691

226 150,000 227
228 229 230 231 232 233

600,000 100.000 150,000 300,000 25.000

1,000,000 115.000 300,000 100,000 75.000

518.030 50,643 15,938 107,992 11,993

659,941 234 235
100.000 236 237 238

300,000 100.000 50,000

700,000 125.000 30,000

590,561 257,678
91,457

217.116 239 240 241

250,000

250.000 375.000 150.000 200.000 120,000 150.000
75,000 55.000 90,000 150,000 100.000 150,000 150.000 150,000 200,000 25,000 100,000 25,000

250,000 400.000 175.000 300,000 100,000
30.000 425,000 115,000
22,500 150,000 150.000 300.000 400.000 160,000 600,000 125,000 400,000 100,000

126,787 175.290 40,980 117,448 236.646 47,188
9,702 28,938 39.560 198,625 21,488 445.449 229,940 198,937 269.068 25.382 108.007 25,000

28,687 242 243 244
21,429 245 424 246 247
72.488 248 249 250 251
10.000 252 253 254 255 256 257
20.000 258 56,161 259

*Members of Federal Reserve System

24

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971 ASSETS

Location and Name of Bank

Cash and Due from
Banks

260 Pitts--Pitts Banking Company ...................... . 294,988

261 Powder Springs--Cobb County Bank ............ .. 895,561

262 Preston--Bank of Webster............................ . 247,208

263 Quitman--The Bank of Quitman ...... .

937,286

264 Reidsville--The Tat nail Bank ........................ . 650,918

265 Rentz--The Rentz Banking Company ............ .. 722,705

266 Reynolds--The Citizens State Bank ................ . 1,411,455

267 Rhine--Williams Banking Company ........ .

121,368

268 Richland--Richland Banking Company .......... . 173,395

26Y Ringgold--Bank of Ringgold ..

1,357,609

270 Riverdale--Clayton County Bank .................. . I,333,380

271 Roberta-- The Crawford County Bank ............ . 931 '784

272 Rochelle--Rochelle State Bank ............ ..

462,010

273 Rockmart--The Rockmart Bank .................. .. I, 109,392

274 Rome--The Rome Bank and Trust Company 1,923,937

275 Rossville--Ros~ville Bank ..... .

2,244,363

276 Roswell--The Citizens and Southern

Bank of North Fulton .. .

939,399

277 Roswell--Roswell Bank .............................. .. 2,194,106

278 Royston-- Tri-County Bank of Royston

766,258

279 Rutledge--Bank of Rutledge ................. .

282,584

2HO Saint Marys--Saint Marys State Bank ..... .

548,123

281 St. Simons Island--St. Simons State Bank ...... .. 542,789

282 Sandersville--Citizen~ Bank of Washington

County

............................ . 559,814

283 Sandersville--The Geo. D. Warthen Bank ...... .. I, 751,545

284 Sardis--Bank of Sardis ...

234,981

285 Savannah--Atlantic Rank and Trust Company 222,078

286 Savannah--The Carver State Bank ........... .

I,OOY,236

287 Savannah--Chatham Saving~ Bank .

391,979

288 Sa>annah--F~rst Bank of Savannah ........ ..

I ,383,219

2X9 Savannah--Industrial Bank of Savannah .. .

800,491

290 *Sa\'annah--Savannah Bank and Tru~t Company

of Savannah.....

.. .................... 17,017,545

291 Senoia--Farmers and Merchants Bank of

Senoia .......................... .

240,961

2'.12 Shellman--Fir'>t State Bank .... .

272,496

293 Smyrna--Ban~ of Smyrna ......

2,292,004

294 Snellville--Gwinnett County Bank ................ .. 355,153

295 Social Circle--Social Circle Bank ........ ..

323,469

296 Soperton--The Bank of Soperton

864,202

297 Sparta--Bank of Hancock County .........

537,505

298 Springfidd--The Citizens and Southern

Springf1eld Bank ......................... ..

628,037

299 Stapleton--Bank of Stapleton .............. .

896,260

300 Statesboro--First Bulloch Bank & Trust

Compan~ ............... .

1,420,897

301 Statesboro--Sea Island Bank ...

3,819,295

302 Stockbridge--The First State Bank .......... .

235,811

303 Stone Mountain--The CitiLens Bank of

Georgia ...

1,075,710

304 Summerville--Farme~ & Merchants Bank

2,281,417

305 Swaimboro--The Central Bank .

678,842

306 Swainsboro--The Citizens Bank of

Swainsboro ..

2,172,781

307 Swainsboro--Spivey State Bank ...

1,205,931

308 Sylvania--Bank of Screven County .

I,068, 721

J09 Sylvania--Farmers and Merchants Bank ..

605,457

310 Sylvester--Bank of Worth County .......... ..

2,166,231

311 Sylvester--Sylvester Banking Company .......... .. 874,625

312 Talbotton--The Peoples Bank of Talbotton.

167,603

313 Tallapoosa--Commercial Bank ...................... . 248,299

314 Tallapoosa--West Georgia Bank of

Tallapoosa, Georgia ......................... .

610,585

315 Taylorsville--Bank of Taylorsville ..... .

205,811

.J 16 Temple--Bank of Carroll County .................. . 240,440

317 Tennille--Tennille Banking Company

817,573

318 Thomaston--Ban~ of Upson ........................ .. 1,166,443

319 Thomaston--Citizens & Southern Ban!.. of

Thomaston, Georgia .. .. .. .. .. .. .. .. .... .. .... . 2,172,503

320 Thomas" ille--The CitiLens and Southern

Bank of Thomas County............

2,558,865

U.S. Gov't Obligations

Federal Agency Obligations

S.C.M. and Other
Securities

275,800 1,516,951
108,053 785,931 1,621,429 210,000 397,842 858,877 468,132 1,725,513 1,696,058 190,164 275,000 897,046 3,491,266 1,915,964

100,000 420,000
50,000
415,000
400,000 500,000 600,000
400,679 320,307 736,371 1,000,000 974,778

175,848 232,225
678,484 I ,063,322
687,691 124,386 588,339 I ,398,733 470,000 272,498 155,155 2,352,003 7,189,575 2,971,008

447,120 4,888,963 I ,290,144
290,728 477,161 749,292

826,460 800,000 400,149 100,000 849,100

1,310,711 1,903,469 I ,550,858
433,540 347,279 371,889

I ,557,990 2,929,618
220,000 2,391,635 1,576,126
397,499 2,857,895 1,224,024

300,000
124,703 298,312 100,000
358,656

457,806 I, 179,265
333,818 380,306 315,473 824,902 400,936

14,640,924

200,000

7,933,172

115,000 420,825 3,355, 724 I ,003,624 469,018 1,005,947 783,362

500,121 100,000 2,079,327 110,000 432,894 650,000 1,059,937

99,259 638,665 4,865,261
856,460 718,343 954,575

734,360 500,556

300,949 931,300

2,382, 795 674,833

2,899, 739 2,045,864
402,813

207,601

I ,238,673 1,401,559
956,09Y

I ,436,822 5,256,492
280,000

444,615 499,562 449,625

1,820,618 2,222,242 I,336, 787

I ,287,666 44,503
509,562 488,596 1,020,565 I ,458,585 310,000 246,135

807,000 452,610 250,000 585,000
I, 170,454 450,000

I ,880,682 1,030,682 1,641,690
920,500 973,339 2, 114,775 122,650 336,061

649,597 847,435 114,935 896,093 3,019,914

724,796 274,660 339,718 314,750

810,753 Ill, 183
5,000 331,223 I ,9Y8,818

740,024

4,224,245

I ,624,042

4,283,697

Loans and Discounts
1,041,485 3, 767,269
734,293 3,429,450 3;442,994 I ,224,437 2,950,613
516,336 1,079,381 2, 722,978 5,004,648 3,019,973 1,252,534 7,936,931 11,087,563 9,840,984
6,559,705 13,059,955 5,909,112
1,941,570 2,848,253 4,884,974
2,517,569 8,850,098 1,511,422 3,953,867 1,875,660 3,169,948 16,664,716 3,204, 772
93,446,316
I ,860,522 2,287,287 14,466,779 2,352,578 4,426,987 5,219,019 5,183,306
7,387,009 2,098,505
12,083,633 17,622,536 4,329,825
5,518,428 6,420,480 4,357,228
9, 791,657 2,397,306 6,932.249 3, 726,962 6,652,654 7,279,581 2,055,678 I ,256,481
3.307,940 1,933,398 I, 151,737 3,909.920 4,674,958
15,450,515
15,Y89,749

Fixed Assets
801 351,427
19,988 79,075 64,698
2,160 20,135
4,807 20,484 231,509 250,430 129,117 11,578 185,631 415,724 412,879
178,351 617,423 130,232
24,761 63,585 197,988
141,734 112,122 53,051 130,507 48,862 88,480 534,216 454,613
2,188,676
47,309 82,592 1,026,108 47,657 29,242 76,570 142,787
211,101 5,816
477,312 723,549 162,425
369,987 50,527 51,230
550,000 140,283 376,713 65,716 282,116 404,717
2.002 45,274
46,160 57,056 87,203 176,027 188,639
300,111
898,706

Other Real Total Assets

Estate and and/or Total

Assets

Liabilities

74,386
1,086 775
150,633
23,340 75,794 85,209 4,000
32,943 181,240 119,177

1,888,923 7,257,821 I, 159,544 5,910,229 6,844,450 2,575,079 5,618,373 2,025, 775 2,853,073 8,112,139 8,839, 727 4,948,218 2,476,587 13,250,321 25,289,306 18,479,155

66,296 132,754 80,485
7,803 83,497

9,501,584 23,623,135 10,527,092
3,373,335 4,392,206 7,679,530

2,066
15,800 90,688
14,675 65,698 13,253

5,536,981 14,822,649 2,159,958 7,420,907 4,990,191 4,378,056 22,689,306 6,098,091

I,438,629 136,865,265

12,214 5,310 38,568 53,455 22,370 2.192

2,875,388 3,807,177 28,123,774 3,922,469 6,560,443 8,536,276 8,661,476

155,089

II ,799,343 5,107,271

80,974 99,728 60,775

18,408,832 25,712,533
6,147,751

121,305 114,245 48,001

10,787,488 16,844,968 7,201,714

2,316 80,715 15,000
74,828 24,872 150,001 17,197

16,492,105 5,352,034 10,793,938 6,392,232 11,169,735 13.327,612 3,257,936 2,149,450

17,05Y 2,573 . 3,529 32, 14Y 3,123

6,166,893 3,432,118 1,942,564 6,477, 736 II ,051,897

263,202 23,150,602

125,424 25,580,485

*Members of Federal Reserve Sy~tem
25

Demand Deposits

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971 LIABILITIES, RESERYES AND CAPITAL

Time and Savings Deposits

Deposits of Other Public Funds Deposits

Mortgages Borrowings Other Liab.

Loan Loss Reserve

Capital Notes and Debentures

Common Stock

Surplus

UndividRd Profits

Capital
R~servt>s

794,646 2,305,535
397,001 2,862,763 2,551,995
714,436 1,717,976
635,249 1,272,467 2,822,557 3,066,700 1,243,924 1,250,076 3,663,001 7,408,772 6,161,564

757,410 2,146, 715
436,736 1,684,957 2,824,780
996,797 2,590, 728
896,589 1,012,224 2,638,849 1,828,086 1,922,802
690,257 7,114,227 11,365,543 7,388,553

118,493 1,620,316
170,000 593,433 838,830 547,598 538,186 146,425 129,574 1,781,554 2,710,348 763,352 219,865 1,282,088 3,778,360 2,250,711

4,492 60,603
982 39,653 25,380 20,000 169,908
757 32,126
8,806 314,060 406,467
29;119 47,406 204,800 92,580

6,349 331,686
4,900 135,357
51.852
162,017 185,989 335,598
9,447 197,383 359,375 747,551

13,080 28,166
7.722 40,901 61,546 61,910 37,710 37,26.1
131,22~
39,560 27.826 24,259 19,255 60,763 214,583 110,978

25.000 300,000
50,000 100,000 100.000 50,000 100,000 100,000 40,000 240,000 350,000 60,000 50.000 250,000 500,000 540,000

50,000 390,000
50,000 100,000 400,000 100,000 300,000 100,000 160,000 260,000 230,000 155,000 100,000 350,000 500,000
~.000

119,451 74,796 42.201 253,161 41,917 74,336 81,259 109,490 35,451 158.793 126.715 36,814 108,564 115,451 100,000 387,217

260 261 262 100,000 263 264 10,000 265 30,749 266 267
40.000 26S 269
no
271 272 170,000 273 857,921 274 275

3,518,898 7,233,899 3,632,561
896,486 1,475,793 2,780,686

3,287,056 11,172,767 5,340,427
1,646,208 1,455,929 3,250,986

1,201,575 1,649,152
461,689 404,497 772,255 456,796

1,164,807 94,513 21,135 30,970
245,579

618,585 509,706 173,014
15,045 197,471 397,016

30,168 204,376
91,624 24,950 38,130 73,723

200,000

200,000 300.000 250,000
50,000 100.000 100.000

200,000 950,000 250,000 100,000 300,000 200,000

172,452 134,602 233.261 193,879 21,656 174,741

72.~7 276 303,823 277 ............. . 278 21.131 279
280 281

1,503,067 7,274,074
715,220 236,105 813,648
266
3,053,47~
1,080,106

2,289,441 5,318,953
991,947 5,589,329 2.679,057 3,353,716 12,030,148 2.710,400

1,110,787 908,957 165,477 743,160
1,016,479 116,183
3,917,432
~71,183

18,861 812
6,154 64,814 64,031
4,679 1,121,295
%,402

102,71~
131,938 33,670 86,739 6.1,077
316 512,674 718,57.1

49,712 140,613
17,959 63,917 15.770 106,314 293,460 50,475

200,000 400,000
60,000 300,000 150.lXXI .100,000 525,000 225,00)

150,000 400,000 100,000 200,000
55,710 JOO,lXXJ 800,000 225,000

112.3'13 247,299
69,52~
134,112 ~6. 744 173,080 .110,SI7 112.421

2M2 28.1
2~
2. 727 285 45,66.1 2X6 23.500 2S7 125,000 288
S,527 28'1

44,810,65~

56,599,089

6,199,136 4,367,508

1,496,638

6,757,688

562.707

171. Ll8 290

880,926 1,612,507 11,572,585 1,230,542
1.~10,392
2,636,02X 2,286,917

1,341,043
1,421,4~6 10,310.~02
659,939 2,904,016
4,025.~04 4,371,52~

251,045 J47,031 2,174.010
1,254.~J
1,05.1,42X 692,429
1.220,036

2.990 19,487 73,072 20,888 24,110 85.565 25.819

141,966
1,201,597 234.267 200, IJX 287.7%

29.441 J 1,095 256.012 1.1.610 (:A).45J 107.479 80.390

70.lJW

60,lXXJ 150.lXXJ 600.000 250.lXXJ 100,000 200.000 200,000

hO.lXXJ IOO,lXXJ 1.4lXI.lXXJ 200,01.XI 250,000 .llXJ,OOO 400,lXXJ

12,974 125.57?-1 535,694 sx.J 7X 157.9()4 201,173 76,78.1

5.l0J 2Yl 2lJ2 2lJ3 294 2lJ5 2% 2Y7

2,700,223 2,532.761

5,920,950 1,727.901

1.227,242
3~~.920

23.154 10.494

943,021

75,060 10,940

200.lX)O

225,00.> 100,000

175,000 200,000

2W.661 136,25.1

70,02'1 29X 2<JA.J

7,577,600
~.576.2~9
1,524,66X

6,031,745 9,975,893 2.855,1JO

2,214.1<:15 3,444,316
361,X04

117,31X 944,059
6.242

690,316 799,950

IL1.50X 212.64X 50.023

362,500 460,lXXI 2-Kl.OCXl

7llJ,J25 1.2.\U,UlXl
lllll.lXXJ

412.322 724,326 106.223

100,000 300 1~5.lXXI 301 4.l.65h 302

3,479,451 6,600,647 2,2MO,(J26

4,069,307 5,249,289
2.~54,275

.165,550 2.561.941
YM2,019

180,056 65.142 13.1.656

1.556,373
1~6.6&1
.181.405

42,663 97.089 75,040

IOO.lXXJ

2'17,000 450,000 IOO.lXXJ

270,0lXJ 750,000 350,0U.I

259.872 624,1YJ 44,390

117,21~ .103 300,000 304
305

5,692,67.1 1,657,315 .1, 721.~'1'!
2.1'13,65~ J,I'\6J,673 ~.159,936
1,061,95X
Xl.1.~17

6,M22.5'1Y 1,690,678
~.7X2,465
2. 756,1&1 4,.l.l2,9IX
5.638.~15 l,_l~9.115
71.1,485

2.1~3.019
1,202,150 1,0%,64.1
K16,1J5 1.474.71.\ 1,8.16,257
58 I.X57 167,479

279,919
182.~67
28.11X 16.884 209,J57 224.X39
7,.185

266.Mih 121.942 W.l2h
8,192 269,47l.i _l40.160
7X.2~

58.572
~I.X66
97,516
~.liM>
120.711 tJ(>.<W9
29,15~
13.567

600,000 L!5.0CWJ
20ll,(XX)
IOO.OlXJ 150,lXXJ 300.lXXl 75,000 115,000

550,000 22S,OOJ 625,lOJ 200,0lXJ 550,(JlX) 550,lXXJ
75,lXXJ 115,0.10

38,505
105.61~ 1~8.169 2.l 7,0'JX
116.645 180,95.1 75,X4lJ 101.635

306 307 .lOX 3(1! X2.236 _\ 10 311 10,000 .112 23,806 3Ll

1,997,7()1,)
1,14~.971 799.~90
2,215,185 3,415,179

2,5YJ.J21 1,662,015
700,949 3,060,068 5.207, 706

I.OU,Jih 194,473 72,900 573,292
1,266,679

21.01.\ 2.1.159 141.095
2.319 31,045

102.087 llXJ.UlXJ
4,46lJ 110.2.16
186.~59

41,601 35.Mt"!.\
9,517 61.419
~.149

100,000 50,000 62,000 200.l0J 270,000

200,000 150,000 12J,(OJ 200,000
~50,000

67.~52
67,614
2~.1~1
55.214 140,677

30,000 314 315 316 317
31~

~.019,03.1 9.109.~3J

10,425,7~ I 9,944,075

1,690,532 2,875.485

18,568

635,367 1.423,07.1

337,645

500,000

400,000
no.ooo

600,000 390,000

183.579

411,581 319 83,106 320

*Membe~ of Federal R~ne Sy~tem

26

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971 ASSETS

Location and Name of Bank

Cash and Due from
Banks

U.S. Gov't Obligations

Feckra/ Agency Obligations

S.C.M. and Other
Securities

Loans and Discounts

Fixed Assets

Other Real Total Assets

Estate and and/or Total

Assets

Liabilities

321 Thomasville--Commercial Bank ..................... 2,611,314

322 Thomson--Bank of Thomson ........................ 1,229,960

323 Tifton--The C & S Bank of Tifton .................. 1,686,088

324 Tifton--The Citizens Bank of Tifton ............... 1,328,652

325 Tifton--The Farmers Bank of Tifton ............... 1,228,621

326 Toccoa--The Bank of Toccoa ........................ 1,482,096

327 Toccoa--The Citizens Bank ........................... 1,776,660

328 Trenton--Bank of Dade ................................ 745,927

329 Tucker--The Citizens and Southern Bank

of Tucker .............................................. 2,102,194

330 Twin City--Durden Banking Company, Inc...... 829,403

331 Unadilla--Exchange Bank of Unadilla ............. 782,437

332 Union Point--Bank of Union Point ................ 175,595

333 Union Point--The Farmers Bank .................... 787,762

3.\4 Uvalda-- Brogdon State Bank ........................ 95,313

335 Valdosta--First State Bank....................

2,551,073

336 Valdosta--The Park Avenue Bank .................. 401,926

337 Vidalia--Brice Banking Company. Inc ............. 2,244,813

3.l8 Vidalia--Darby Banking Company, Inc ........... 881,787

339 Vienna--Citizens Bank ...................

791,758

340 Villa Rica--Bank of Villa Rica ....................... 745,852

.141 Wadley--Bank of Wadley ............................. 285,858

342 Warm Springs--First American Bank .....

963,563

343 Warner Robins--The Citizens and Southern

Rank .... ............................................... 2,544,805

344 Warner Rob1ns--Citizens State Bank ............... 3,197,069

345 Warrenton--Citizens Bank ............................ 647,957

346 Washington--Farmers and Merchants. Bank ...... 753,919
_q; Washington--\Vashington Loan and Banking
Company ............................................. 1,297,287

348 Watkinsville--Oconee State Bank ................... 474,387

349 Waycross--Commercial Bank ........................ I,953,292

350 \Vaycross--Southern Bank ............................ 1,568,905

351 *Waynesboro--Bank of Waynesboro ................ 1,861,545

352 Whigham--Bank of Grady County ................. 375,405

353 Willacoochee-- The Peoples Bank .................... 299,974

354 Winder--Bank of Barrow .............................. 1,328,215

355 Winder--The Peoples Bank ...............

1,833,225

356 Woodbine--The Camden County State Bank ..... 243,514

357 Woodbury-- The Woodbury Banking Company 1,122,537

358 Woodland--The Woodland Bank ....

286,041

359 \Voodstock--Bank of Woodstock ................... 266,066

360 Wrens--First State Bank ............................... 410,805

361 Wrightsville--Bank of Wrightsville .................. 837,351

362 Wrightsville--The Exchange Bank of

Wrightsville .......................................... 359,694

363 Zebulon--The Bank of Zebulon ..................... 878,763

7,047,440 751,908
1,219,593 1,021,079 2,174,248 1,673,560
842,333 742,820

919,513 549,244
...............
1,400,000 661,014
1,050,000
325,000

1,963,742 2,484,533 5,007,875
901,303 1,601,792 2, 751,587 3,587,320
316,061

1,292,573 574,299 76,000 946,439
1,081,687 57,799
929,000 406,708 1,062,746 297,762 1,392,901 996,598 I, 761,927 655,056

............... ...............
100,000 50,000 I ,457,526 ............... 1,135,000
...............
475,000 713,802 1,000,000 545,703
125,000 ..............

6,755,452 664,949 477,227 193,535
1,219,467 . ..............
I ,437,253 308,000 I 13,949 957,802 545,312 821,295 433,277 39,760

960,815 1,683,936 1,234,516 1,035,963

...............
550,000 356,344 475,337

3,965,972 4,865,313
771,409 1,475,682

2,810,979 48,594
5,163,445 551,245
1,307,066 49,514
325,630 710,894 943,000 228,972 264,850 224,946 449,900 794,374 1,754,015

...............
100,000 1,108,000 1,694,074
250,000 312,657 ............... 600,000 I ,075,073 240,000 876,973
80,000 1,283,688
115,955 1,501,541

842,542 584,777 748,304 1,746,726 1,600,147
...............
117,096 2,658, 785 2,190,318
...............
455,912 26,000
824,683 615,613 920,189

444,734

282,159

380,310 .. .............

898,558 333,051

10,330,441 8,714,894 14,712,766 8,856,372 9,034,409 9,841,267 7,960,257 4,038,463
22,720,009 3,483,797 3,468,735 I ,953,557 4,751,737 686,283 9,730,654 2,060,854 3,204,409 5,082,470 2,004,497 3,600,362 1,379,486 1,623,517
10,616,742 13,310,109 3,610,975 4,133,967
8,981,303 3,434,838 3,921,837 5,503,635 9,092,508 I ,892,916
535,337 7,541,139 4,830,041 I ,950,597 I ,647,455
112,782 2,302,029 2,291, 768 2,565,256
2,151,119 3,005,478

353,680 317,625 359,733 416,384 304,827 288,256 345,284 228,589

271,127 32,603 143,614 245,867 56,913 34,030 14,820


832,299 71,606 25,221 30,024 54,297 9,495
346,059 98,314
207,659 85,006 79,689 58,056 32,898 141,409

290,868

...............
27,359 5,907
. .............. 35,600 19,431 17,000
............... 4,614 94,449
23,436 224

102,777 207,068 135,759
62,185
154,532 203,340 180,331 428,421 390,354
69,226 32,593 310,694 208,035 14,854 82,740
2 236,507
76,619 40,000

88,985 112,973 81,307
584
.. .............
46,524
...............
39,463 50,917
...............
5,507 82,172
1,075
...............
50,186 379
4,986 .. .............
...............

102,537 61,894

940 3,766

23,497,260 14,080,770 23,129,672 12,769,661 15,800,812 16,731,814 15,576,677 6,396,863
33,993,399 5,624,056 4,929,622 3,376,510 9,358,386 848,891 16,164,640 3,295,234 7,325,579 8,018,632 5,818,773 6,862,318 4,041,884 3,423,531
18,280,099 23,926,470
6,838,270 7,937,640
14,086,645 4,892,463 13,075,212 11,532,472 14,552,539 2,699,720 1,316,140 13,231,902 11,080,769 2,677,938 4,500,656
730,151 5,367,861 4,305,136 7,618,354
4,239,744 4,663,264

*Members of Federal Reserve System
27

Demand
~

REPORTS OF CONDITION OF STATE BANKS AS OF DECEMBER 31, 1971

LIABILITIES, RESERVES AND CAPITAL

1imeand Savings Deposits

Deposits of OtMr Public Funds Deposits

Mortgages Borrowings OtMr Uab.

Loan Loss Reurve

Capital Notes and Debenturrs

Common Stock

Surplus

Undivided Profits

Capital Reserves

9,253,991 4,588,971 8,164,731 3,948,318 5,159,386 4,531,462 5,301,235 1,872,778

9,257,333 6,007,589 8,249,354 4,996,348 6,885,478 7,553,762 6,477,233 2,964,836

2,790,141 1,451,154 1,639,483 1,742,511 I, 793,490 2,482,539 2,216,029
630,450

118,479 58,002 803,109 97,003 65,778 528,007 103,101 58,823

428,858 729,588 1,815,269 655,252 408,146 394,828 193,451 196,768

228,932 130,755 293,010 143,009 174,892 326,131 184,114 45,101

500,000 250,000 500,000 440,000 500,000 200,000 300,000 125,000

700,000 500,000 900,000 560,000 600,000 400,000 550,000 375,000

219,523 363,497 395,451 167,217 213,638 115,083 76,511 128,105

............... 321
1,211 322
369,261 323 20,000 324
325 200,000 326 175,000 327
............... 328

16,808,120 1,650,733 2,824,787 615,468 2,457,469 465,115 5,667,090 1,039,319 3,687,568 3,121,145 2,371,654 2,720,151 1,338,985 977,650

10,557,854 2,659,753 1,467,993 1,817,410 5,389,347
222,891 5,662,458 1,175,643 2,181,122 2,792,051 1,674,833 2,511,005 1,539,819 1,432,969

1,230,526 525,453 151,331 562,696 667,598 20,000
2,641,614 636,629 512,649 707,219 787,955 845,535 635,130 486,369

325,033 355,283
367 6,073 57,273
512,498 48,641 213,583 162,391 40,027 90,627 93,232 162,390

1,873,441 9,500 73,080 46,110
1,782 324,682 48,236
41,177 373,023 353,596
89,597 103,757 33,432

272,523 31,841 80,532 51,178 157,148
9,656 150,744 20.012 41,331 73,460 44,709 55,767 42,483 15,591

400,000
............... 50,000

660,000 100,000 150,000 50,000 200,000 50,000 300,000 200,000 100,000 200,000 200,000 200,000 75,000 60,000

940,000 200,000 125,000 150,000 200,000
50,000 700,000 50,000 350,000 300,000 200,000 200,000 165,000 140,000

647,548 66,489 56,528 77,571 210,026 29,446 73,067 76,750 198,147 289,340 145,997 149,634 48,475 65,127

278,351 329
25,000 330
331
332 19,522 333
334 132,483 335
336 337
338 ............... 339
340 341
342

7,984,673 9,004,516 2,188,307 1,997,561

5,385,230 7,779,859 3,009,416 4,234,950

2,538,288 3,987, 743
645,473 806,882

132,958 107,787 88,454
13,019

945,491 1,085,835
164,533 159,633

129,140 167,149 43,348 81,230

600,300 607.500 200,000 150,000

120,700 500,000 200,000 250,000

243,502 686,078 289,964 217,862

199,813 343 344
8,772 345 26.500 346

4,267,679 1,815,808 6,599,000 4,904,714 4,601,105
747,915 496,276 5,861,098 5,248,565 859,685 1,462,583 436,823 1,800,018 1,480,940 2,498,201

6,969,622 1,814,016 3,340,946 4,120,191 6,645,527 1,095,169
582,568 4,720,354 3,776,294 1,201,665 1,846,883
15,894 2,581,792 1,761,125 3,808,031

1,410,691 589,003
1,607,475 960,572
1,052,224 613,448 41,054 888,512 671,359 282,936 645,558 165,504 334,141 626,052 524,776

60,146 13,137 69,433 81,373 340,130 12,099 22,467 77,818 43,516 25,651 14,658
400 848 11,653 64,476

164,715 172,788 178,038 590,434 761,453 35,503 46,575 502,000 556,246 52,968 66,494
5,232 235,749 114,508 40,720

128,093 25,945 111,654 75,206 165,716 18,466
6,556 101,378 65,621 20,014 42,216
1,557 41,407 38,645 57,838

200,000

200,000 300,000 200,000 175,000 220,000 50,000
30,000 250,000 125,000 50,000 50,000 25,000 100,000
75,000 100,000

400,000 75,000
400,000 450,000 530,000 100,000
70,000 450,000 250,000 140,000 200.000
55,000 200,000 125,000 200,000

235,696 51,987 150,000 139.872 236,380 27,116 20,641 380,739
344,165 45,015 162,261 24,739 73,902 72,210 90,807

50,000 347 34,777 348 418,663 349 35,106 350
351 352 ............... 353 ............... 354 355 356 10,000 357 358 359 360 233,501 361

1,830,708 1,139,053

1,666,819 2,564,016

241,266 328,045

37,387 60,067

10,000 188,249

39,837 50,780

100,000 50,000

200,000 200,000

83,726 83,052

30,000 362 363

*Members of Federal Reserve System
28

29

APPLICATIONS BY REGULATED CERTIFICATED BANKS TO INCREASE OUTSTANDING CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

APPROVED

FROM

The Park Avenue Bank* Pavo State Bank* The Security State Bank Commercial Bank*

Valdosta Pavo McRae Tallapoosa

6-21-71 6-22-71 7-22-71 10-28-71

$150,000 50,000 60,000 80,000

(*Increases made at time of conversion to State Chartered Banks)

TO
$200,000 75,000 120,000 115,000

APPLICATIONS BY REGULATED CERTIFICATED BANKS TO REDUCE PAR VALUE OF CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

APPROVED

FROM

TO

The Security State Bank

McRae

7-22-71

$10

$5

NAME OF BANK
The Exchange Bank The Park Avenue Bank Pavo State Bank Citizens Bank Commercial Bank

APPLICATIONS BY REGULATED CERTIFICATED BANKS TO CONVERT TO STATE CHARTERED BANKS- APPROVED
LOCATION
Douglas Valdosta Pavo Kingsland Tallapoosa

APPROVED
5-10-71 6-21-71 6-22-71 9-17-71 10-28-71

APPLICATIONS BY REGULATED CERTIFICATED BANKS TO ENTER VOLUNTARY LIQUIDATION- PERMIT ISSUED

NAME OF BANK Citizens Banking Company

LOCATION Sparks

PERMIT ISSUED 3-18-17

EFFECTIVE 3-24-71

APPLICATIONS BY REGULATED CERTIFICATED BANKS TO SURRENDER CERTIFICATE OF INCORPORATION- APPROVED

NAME OF BANK Citizens Banking Company

LOCATION Sparks

APPROVED 5-26-71

PURPOSE
Became Sparks Office of Adel Banking Company 3-25-71 Adel, Georgia

NAME OF BANK The Exchange Bank

APPLICATIONS BY REGULATED CERTIFICATED BANK TO ISSUE CAPITAL DEBENTURES - APPROVED

LOCATION Douglas

APPROVED 5-10-71

AMOUNT $140,000

STATUS OF REGULATED CERTIFICATED BANKS IN LIQUIDATION

NAME OF BANK

LOCATION

DATE CLOSED

DEPOSITORY

First Citizens Bank

Covington

Unpaid Deposits ....................................... $ 163,832.89

Unpaid Dividends on:

Regular Claims ...................................$ 508.21

Disputed Claims .................................$ 53,372.50

6-25-70

The Peoples American Bank of Atlanta

30

LIST OF REGULATED CERTIFICATED BANKS

CITY

COUNTY

NAME OF BANK

DATE OF

BEGAN

CHARTER BUSINESS

NO. OF BANK OFFICES

Abbeville

Wilcox

Dorsey Banking Company

12-19-1966 1-3-1967

0

(Insured up to $20,000)

Barwick

Brooks

Barwick Banking Company

2-16-1967

6-l-1967

0

(Deposits Not Insured)

Cadwell

Laurens

Farmers Clearing Bank

10-14-1966 11-15-1966

0

(Insured up to $20,000)

Ludowici

Long

Exchange Bank

12-29-1967 1-2-1968

0

(Insured up to $2,000)

Macon

Bibb

The Peoples Bank of Macon 8-10-1966

9-12-1966

0

(Insured up to $20,000)

McRae

Telfair

The Security State Bank

12-8-1966

2-1-1967

0

(Insured up to $20,000)

Morven

Brooks

The Citizens Bank of Morven 3-9-1967

4-10-1967

0

(Deposits Not Insured)

Ray City

Berrien

Bank of Ray City

4-10-1967

12-18-1967

0

(Deposits Not Insured)

St. Marys Camden

Peoples Bank

1-30-1967

2-1-1967

0

(Insured up to $20,000)

Sparta

Hancock

M.G. Pound Bank

2-9-1967

6-1-1967

0

(Deposits Not Insured)

Regulated Certificated Banks are not authorized to establish bank offices.

PRESIDENT Nina T. Dorsey Albert W. Barber W.A. Bedingfield C.M. Jordan Dennis J.F. Beall W.E. Dowling E.S. Webb Lawson F. Fountain Charles C. Smith Marvin G. Pound, Sr.

CASHIER Nina T. Dorsey Mrs. Lucille M. Jones L. Kennon Smith, Jr. J. Bradwell Smith Holst C. Beall, Jr. W.E. Dowling Robert Derry Sharpe Mrs. Glynda Ross Aunau Mixon Marvin G. Pound, Jr.

31

ABSTRACT OF REPORTS OF CONDITION OF REGULATED CERTIFICATED BANKS IN GEORGIA AS OF DECEMBER 31, 1971
(WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1970)

ASSETS
Cash and Balance with other Banks U.S. Government Obligations-
Direct and Guaranteed Securities of Federal Agencies and
Corporations not Guaranteed by U.S. Obligations of States and Political
Subdivisions and Other Securities (Including Corporate Stocks) Loans and Discounts Bank Premises, Furniture & Fixtures, and Assets Representing Bank Premises Real Estate Other than Bank Premises and Other Assets
TOTAL ASSETS
LIABILITIES
Demand Deposits Time Deposits Deposits of U.S. Government, States and
Political Subdivisions Other Deposits (Certified and officers'
checks, itc.)
TOTAL DEPOSITS
Borrowings, Mortgage Indebtedness and Other Liabilities
TOTAL LIABILITIES
Reserve for Loan Losses
CAPITAL ACCOUNTS
Common Stock Surplus Undivided Profits Reserve for Contingencies
Total Capital Accounts
TOTAL LIABILITIES AND CAPITAL ACCOUNTS

Dec. 31, 1971 10 Banks
$ 2,336,641 2,250,825 731,644
434,721 6,509,524
237,892 228,232 $12,729,479
$ 5,167,126 3,533,872 2,309,842 173,822
$11,184,662
179,720 $11,364,382
26,468
$ 613,500 443,675 248,775 32,679
$ 1,338,629
$12,729,479

Dec. 31, 1970 16 Banks
$ 3,246,834 2,962,014 2,409,611
677,668 10,820,673
593,267 99,901
$20,809,968
$ 7,982,830 6,787,131 2,842,895 391,550
$18,004,406
387,952 $18,392,358
40,765
$ 1,172,000 487,675 673,094 44,076
$ 2,376,845
$20,809,968

STATUS
REGULATED CERTIFICATED BANKS
Status of 10 Regulated Certificated Banks, as of December 31, 1971:
Deposits of 5 Regulated Certificated Banks insured up to $20,000. Deposits of 1 Regulated Certificated Bank insured up to $2,000. Deposits of 4 Regulated Certificated Banks not insured.

32

Increase+ Decrease $ 910,193-
711,1891,677,967-
242,9474,311,149-
355,375128,331+ $8,080,489-
$2,815,7043,253,259533,053217,728-
$6,819,744-
208,232$7,027,976-
14,297-
$ 558,50044,000424,31911,397-
$1,038,216-
$8,080,489-

REPORTS OF CONDITION OF REGULATED CERTIFICATED BANKS AS OF DECEMBER 31, 1971 ASSETS

Location and Name of Bank
Abbeville-Dorsey Banking Company ($20,000)
Barwick~Barwick Banking Company (Uninsured)
Cadwell--Farmers Clearing Bank ($20,000)
Ludowici--Exchange Bank ($20,000) Macon-The Peoples' Bank of Macon
($~0.000)
McRae-The Security State Bank ($20,000)
Morven-The Citizens Bank of Morven (Uninsured)
Ray City-Bank of Ray City (Uninsured)
St. Marys--Peoples Bank ($20,000) Sparta--M.G. Pound Bank
(Uninsured)

Cash and Due from
Banks

U.S. Gov't Obligations

Federal S.C.M. and

Agency

Other

Obligations Securities

Loans and Discounts

Fixed Assets

Other Real Estate and
Assets

Total Assets and/or Total
Liabilities

51,554 28,572 245,143 79,636 415,330 630,936 202,778 226,492 387.412 68,781

67,363

30,000

29,683 ...............

130,966 62,968

145,859

1,631,350

400,625

123,968

150,000

98,905 105,618

5,159

45,308 2,300
387,112

285,736 101,600 636,555 204,431 2,010,549 1,134,053 247,063 382,407 959,792 547,333

8:319 482
40,512 3,510
50,710 74,680 7,343 5,413 26,918 20,000

186 1,483 223,520
3,041

488,469 160,338 1,201,337 352,031 5,119,198 2,113,640 457,185 619,473 1,473,029 744,776

33

REPORTS OF CONDITIONS OF REGULATED CERTIFICATED BANKS AS OF DECEMBER 31, 1971 LIABILITIES, RESERVES AND CAPITAL

Demand Deposits

Time and Savings
~

Deposits of Other
Public Funds ~

Mortgages Borrowings Other Liab.

Loan Loss Reserve

Capital Notes and Debentures

Common Stock

Undivided Surplus= Profits

Capital Reserves

225,178 105,467 601,462 104,120 2,012,253 715,699 293,105 291,510 338,980 479,347

139,943
376,973 126,028 1,001,269 581,739 89,519 256,751 784.548 177,097

12,300 9,150 104,870 57,108 1,565,566 483,299 3,222
74,324

21,413 575 178
2,771 35,896 16,805
9,286 80,553
6,341

11,475 435
4,524 171
136,016
9,500
7,598 10,000

2,134
1,002 5,248 8,344
392 9,345

25,000 25,000 27,500 25,000 200,000 120,000 45,000 46,000 50,000 50,000

40,000 5,000
65,500 15,000 103,975 140,000 5,000 9,200 50,000 10,000

11,023
14,710 ...............

19,325
21,832
58,973

47,750 ...............

11,446

6,723 50,000

27,678

6,989

5,000

34

ABSTRACT OF REPORTS OF CONDITION OF STATE CHARTERED CREDIT UNIONS AS OF DECEMBER 31, 1971

ASSETS

December 31, 1971

Percent of Total Assets

December 31, 1970

Amount Percent of Increase Increase (Decrease) (Decrease)

Cash Loans U.S. Government Securities Other Investments Depreciable Assets (Net) Other Assets Total: Assets

$ 6,526,148 138,325,335 4,428,753 25,774,220 1,186,054 1,171,692
$177,412,202

3.68 77.97 2.47 14.54
.67 .67 100.00

$ 5,276,159 120,388,254 2,041,870 15,949,409 1,156,589 915,883
$145,728,164

$ 1,249,989 17,937,081 2,386,883 9,824,811 29,465 255,809
$31,684,038

23.65 14.89 116.72 61.65 2.55 27.87 21.73

LIABILITIES

Deposits, Including Non-members Notes and Accounts Payable Accrued Int., Deposits, Shares Other Liabilities Total: Liabilities

$163,812,942 2,672,201 2,155, 750 89,372
168,730,265

92.33 1.51 1.21 .05
95.10

$134,002,581 1,010,635 1,643,263 1,217,232
137,873,711

$29,810,361 1,661,566 512,487 {1,127,860)
30,856,554

22.26 162.48 31.21 (92.56) 22.38

CAPITAL

Reserves Shares Surplus and Undivided Profits Total: Capital Account Total: Liabilities and Capital

5,216,349 1,142,468 2,323,120 82681 2937 $177,412,202

2.94 .66 1.30
4.90 100.00

4,937,370 1,087,880 1,829,203 72854 2453 $145,728,164

278,979 54,588
493,917 827 2484 $31,684,038

5.65 5.02 27.01 10.52 21.73

Number of Reporting Credit Unions
Number of Members Average Interest Paid on Deposits

143 182,939
6.111%

144 171,278
6.150%

Ratio (percent) of Loans to Savings Deposits Loans to Total Assets Reserves to Savings Deposits Reserves to Loans Outstanding Reserves to Total Assets

84.39 77.97 3.18 3.77 2.94

89.80 82.60
3.70 4.10 3.40

(1970 Undivided Profits Account adjusted to reflect accrued interest on savings)

35

STATE CHARTERED CREDIT UNIONS
ALBANY
Albany Federal Employees Credit Union, P .0. Box 93 Carlton Credit Union, P .0. Box 1087 Keenan Credit Union, 112 North Front Street
AMERICUS
Sumter County Teachers Credit Union, Route #l
ATHENS
Athens Division Credit Union, 1001 Prince Ave. C.C.E.A. Credit Union, 419 Pope Street Dairy-Pak Athens Credit Union, P.O. Box 726
ATLANTA
A.D. Co. Employees Credit Union, 777 Memorial Drive, S.E. AMCO Credit Union, 221 Ivy Street, N.E. AMILSCO Credit Union, 451 Stephens Street, S.W. ARMCO Credit Union, P.O. Box 1046 Arrow Credit Union, 2022 Murphy Avenue, S.W. *Associated Credit Union, 38 Auburn Avenue, N.E. Atlanta City Employees Credit Union, 601 City Hall Atlanta Cooperative Credit Association, 736 Piedmont Ave., N.E. *Atlanta Greyhound Terminal Employees Credit Union, 81 Cain St., N.W. Atlanta Postal Credit Union, M-102 Federal Annex Atlanta Railway Postal Clerks Credit Union, 111-M Federal Annex *Atlanta Teachers Credit Union, 882 Vedado Way, N.E. *Atlantic Steel Credit Union, 1300 Mecaslin Street, N.W. Ben Franklin Credit Union, 1400 W. Peachtree Street, N.W. Circle "W" Credit Union, 1299 Northside Drive, N.W. Delta Employees Credit Union, Atlanta Airport *Dixie "66" Credit Union, P.O. Box 29666 DuPont Atlanta Employees Credit Union, 1737 Ellsworth Ind. Dr., N.W. Employers Group Credit Union, 1438 W. Peachtree St., N.W. Employes Credit Union, Swift & Company, I Dunwoody Park Employment Service Credit Union, I Peachtree Street, N.E. Essell Credit Union, P.O. Box 7325 *Federal Employees Credit Union, P.0. Box 1544 GA-WP General Office Credit Union, 4 Hunter Street, S.E. Genuine Parts Credit Union, 299 Piedmont Avenue, N.E. Georgia Department of Public Safety Credit Union, P .0. Box 1456 Georgia E.S.A. Credit Union, 474 State Labor Building Georgia Health Department Credit Union, 516 State Office Bldg. Georgia International Credit Union, 615 Peachtree Street, N.E. *Georgia League Credit Union, P .0. Box 29884 Georgia Standard Oil Employees Cr. Un., 1800 Fulton Nat'!. Bank Bldg. Georgia State Dept. of Education C.U., 249 State Office Bldg. Georgia State Highway Dept. Employees C.U., 271 Capitol Ave., S.W. Georgia Telco Credit Union, 424 Hurt Building Hospital Authority Employees C.U., 80 Butler Street, S.E. John Rogers Employees Credit Union, 1040 Huff Road, N.W.
*Deposits insured up to $20,000 by National Credit Union Administration
36

Total Assets as Reported
December 31, 1971
305,466 64,434 264,018
82,003
353,489 102,385 107,368
140,190 289,024
11,377 90,107 508,702 1,781,234 1,862,467 277,813 17,911 29,632,684 I, 784,950 2,795,516 1,606,307 44,517 32,330 20,851,568 293,066 163,866
9,906 90,218 97,576 110,440 14,663,197 86,170 155,328 73,110 158,824 641,291 38,941 14,517,861 470,493 1,341,046 2,743,424 28,011,735 603,536 32,413

STATE CHARTERED CREDIT UNIONS- Continued
Journal- Constitution Employees C.U., 10 Forsyth Street, N.W. L & P Credit Union, 196 Marietta Street, N.W. Marion Mfg. Credit Union, 174 Chester Avenue, S.E. Mead Packaging Employees Credit Union, 1040 W. Marietta St., N.W. Merchants Mutual Credit Corp., 70 Broad St., N.W., Box 1455 Montag Employees Credit Association, 245 N.Highland Ave., N.E. Mr. Friendly Credit Union, I Executive Park East Mutual Savings Credit Union, 1219 Caroline Street, N.E. Orange Disc Credit Union, 1375 Peachtree St., N.E., Room 180 Presbyterian Center Credit Union, 341 Ponce de Leon Ave., N.E. R.E.A. Employees Credit Union, 99 University Avenue, S.W. Regenstein Employees Credit Union, 209 Peachtree Street, N.E. Rich's Employees Credit Union, Post Office Box 4539 Ruralist Credit Union, 713 Glenn Street, S.W. Russell Company Employees Credit Union, 388 Grant St., S.E. *SJI Employees Credit Union, 265 Ivy Street, N.E. S.M.C.R.C. Credit Union, 1307 Peachtree Street, N.E. S.O.S. Credit Union, 214 State Capitol Small Agencies Credit Union, 216 Agriculture Bldg. Southern Freight Bureau Employees C.U., 151 Ellis Street, N.E. State Revenue Dept. Credit Union, 309 Trinity-Washington Bldg. T.C. Employees Credit Union, % Tenn. Corp., 3445 Peachtree Rd., N.E. Thompson, Boland & Lee Employees C.U., 201 Peachtree Street The Thrift Credit Union, 125 Spring Street United Family Employees Credit Union, 494 Spring Street, N.W. USSAC Credit Union, P.O. Box 1685 White Columns Credit Union, 1601 West Peachtree Street, N.E.
AUGUSTA
Georgia Railroad Employees Credit Union, 1507 Jordan Rd. King Mill Savings & Credit Association, Goodrich Street Richmond County Health Dept. Employees C.U., 1001 Bailie Drive
BRUNSWICK
Glynn County Federal Employees C.U., Box 1315
CHAMBLEE
*Lay Employees S & L Credit Union, 4950 Peachtree Ind. Blvd.
COLLEGE PARK
Associated Grocers Credit Union, 2225 Shurfine Drive
COLUMBUS
Columbus Coca Cola Employees C.U., 305 17th Street Columbus Health & Hospital Credit Union, 1958 Eighth Avenue *Columbus Postal Credit Union, P.O. Box 2585 Gas Light Employees Credit Union, 1421 Fourth Avenue Swift Credit Union, 1410 Sixth Avenue WeeReBel Employees Credit Union, 1350 Thirteenth Avenue
*Deposits in~ured up to $20.000 by National Credit Union Admim~trauon
37

Total Assets as Reported
December 31, 1971
2,Il9,670 44,497 25,591 636,673
2,160,255 241,268 41,913
2,183,062 1,252,996
91,488 54,305 18,376 4,829,005 367,990
8,880 34,341 92,544 117,715 1,153,388 I 75,288 234,082 161,614 82,399 1,763,662 105,296 364,529 I 12,138
I 12,232 957,428
81,809
144,989
548,081
1,568,449
16,816 357,677 I, 192,945 178,830 332,563 94,909

STATE CHARTERED CREDIT UNIONS- Continued
CORDELE
Harris Employees Credit Union, P.O. Box 998
CORNELIA
STATCO Credit Union, 224 North Main Street
DALTON
Crown Tuft Employees S & L Credit Union, P.O. Box 129 N.G.E.M.C. Credit Union, P.O. Box 1407 W.E. Strain Employees Credit Union, P.O. Box Ill TEXACOTE Credit Union, Route #I Whitfield County Postal Employees Credit Union, P.O. Bldg.
DECATUR
DRHD Credit Union, DeKalb Co. Health Dept., 440 Winn Way Decatur Postal Employees Credit Union, 520 W. Ponce de Leon Ave. Decatur Teachers Credit Union, 320 N. McDonough Street Kraft Employees Credit Union, 501 DeKalb Industrial Way The WoodCo Credit Union, 114 New Street
DORAVILLE
*F.D. & L. Employees Credit Union, P.O. Box 48000 Gaylord Employees Credit Union, 4351 Pleasantdale Road
DRY BRANCH
Georgia Kaolin Employees Credit Union, % Ga. Kaolin Co.
DUBLIN
Dublin Federal Employees Credit Union, V.A. Center
EAST POINT
*Colonial Stores Employees Credit Union, 2251 N. Sylvan Rd. East Point Municipal Employees Credit Union, City Hall W.A.S.E. Credit Union, 2675 Martin Street
EASTMAN
Stuckey's Employees' Association Credit Union, P.O. Box 370
FOREST PARK
*Clayton Cities & County Employees Cr. Union, 140 Jones Road Sexton Atlanta Employees Credit Union, !50 Thames Road
FORT MCPHERSON
Fort McPherson Credit Union, Building T-213

Total Assets as Reported
December 31. 1971 137,710
78,442
56,951 78,330 37,665 60,189 66,196
95,166 278,008 123,011 2,806,628
34,710
736,063 82,674
201,177
296,607
3,117,994 412,133 41,661
79,428
71,849 I 10,393
2,563,671

38

STATE CHARTERED CREDIT UNIONS- Continued
GAINESVILLE CITISCO Credit Association Credit Union, 401 Main St., S.W. HAPEVILLE Fulton Teachers Credit Union, 3420 Whipple Avenue HAZLEHURST Patchogue-Plymouth Employees Credit Association, P .0. Box 305 JACKSON CGEMC Employees Credit Union, 923 S. Mulberry Street JONESBORO C.C.B.E. Employees Credit Union, P.O. Box 492 MACON CGMT Employees Credit Union, 340 Hazel Street City Employees Credit Union, City Hall, 718 Poplar Street D.D.D. Credit Union,% Borden Co., 4700 Pio Nono Avenue Davison's of Macon Credit Union, 433 Cherry Street Federal Employees Credit Union, P.O. Box 5313 *Georgia Kraft Employees Credit Union, 4891 Mead Road Macon Firemen's Credit Union, 788 Walnut Street Macon Police Credit Union, Police Dept., City Hall Macon Water Works Credit Union, 780 Third Street The Proctor & Gamble Macon Employees Cr. Union, 1265 Sixth Street MARIETTA C-MAR Credit Union, P.O. Drawer K MILLEDGEVILLE Baldwin County Hospital Employees Cr. Union, 1954 N. Cobb Street Central State Hospital Credit Union, Lawrence Building MOULTRIE Employees Credit Union, Swift & Company, % Swift and Company ROME Floyd County Postal Employees Credit Union, P.O. Bldg. *Rome Kraft Employees Credit Union, Post Office Box 1551

Total Assets as Reported
December 31, 1971
54,844
1,330,321
200,998
58,862
475,971
19,243 194,521
3,839 23,408 442,638 1,087,848 192,736 245,016 79,551 275,602
140,517
74,032 2,876,763
139,965
242,622 1,403,788

Deposits ins\.fred up to $20.000 by National Credit Union Administration
39

STATE CHARTERED CREDIT UNIONS- Continued
SAVANNAH *G.P.A. Credit Union, P.O. Box 2406 Health Employees Chatham County Cr. Union, P.O. Box 6648 Savannah Electric & Power Employees Credit Union, 600 Bay St. E. Savannah Federal Credit Union, P.O. Box 1382 Savannah J-Mers Credit Union, P.O. Box 1003 Savannah Postal Credit Union, Post Office Building Savannah Transit Credit Union, P.O. Box 9118 Seaboard Employees Credit Union of Savannah, Inc., 601 E. Liberty St. Southern States Employees Cr. Union, P.O. Box 112 Workmen's Circle Credit Union, 416 W. Congress Street STONE MOUNTAIN *C.A.P. Employees Credit Union, 1564 McCurdy Drive TALLAPOOSA Dixisteel Credit Union, P.O. Box 247 THOMASVILLE Davis Industries Credit & Savings Association, P.O. Box 200 TOCCOA Wright Manufacturing Employees Credit Union, 626 W. Currahee Street VALDOSTA Valdosta Onized Credit Union, P.O. Box 950 WARNER ROBINS *Warner Robins Employees Credit Union, City Hall, Watson Blvd. WRENS Georgia-Tennessee Mining and Chemical Employees Credit Union

Total Assets as Reported
December 31, 1971
338,734 205,052 559,755 461,904
40,329 410,558 105,364 544,338
12,929 339,539
11,276
111,245
44,262
184,495
1,413,031
118,079
13,373

*Deposits insured up to $20,000 by National Credit Union Administration
40

FIRMS LICENSED BY THE SUPERINTENDENT OF BANKS UNDER THE GEORGIA SALE OF CHECKS ACT, APPROVED MARCH 2, 1965 (Chapter 13-22, Georgia Code, Annotated)

Name and Location

Total Number of Georgia Agents

American Express Company

65 Broadway

New York, N.Y. 10006 ................................................................................... ...........

565

Convenient Check Corporation

65 Broadway

New York, N.Y. 10006 ..............................................................................................

2

First National City Corporation

399 Park Avenue

New York, N.Y. 10022 ..............................................................................................

72

FNCB Services Corporation

399 Park Avenue

New York, N.Y. 10022 ..............................................................................................

72

Nation-Wide Check Corporation

91 Aquahart Road

Glen Burnie, Maryland 21061 .............................. .. ................. .... ....... ..... .....................

400

Republic Money Orders, Inc.

Republic National Bank Building

Dallas, Texas 75201. ................................... ... ................... ........ ... ... ............. ......... .....

Ill

Thos. Cook & Son (Bankers) Ltd.

587 Fifth Avenue

New York, N.Y. 10017 ..............................................................................................

6

Travelers Express Company, Inc.

Chamber of Commerce Building

15 South Fifth Street

Minneapolis, Minnesota 55402 .....................................................................................

469

Western Union Telegraph Company

60 Hudson Street

New York, New York 10013 .......................................................................................

96

41