Sixty-third annual report [1982]

1982 Sixty-Third Annual Report
Department of Banking and Finance
State of Georgia
by
Commissioner

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ATLANTA
SIXTY-TH IRD ANrWAL REPORT
YEAR ENDING DECEMBER 31, 1982
***
E. D. "JACK" DUNN
Commissioner
ROBERT M. MOLER
Deputy Commissioner
***

TABLE OF CONTENTS

History of Department

.

Summary of Condition and Structural Changes

ii

Official Roster

iv

Field Examiners

v

Staff Photographs

vi

District Map

xiv

Receipts and Disbursements . .

xv

Legal Holidays . . . . .

xvi

Maximum Floating Interest Rate - Real Estate Loans.

xvi

Summary of Activities of Banks

1

Bank Offices/Facilities Approved - Unopened.

6

Summary of Additions and Deletions - Banks and Bank Offices

7

List of State-Chartered Banks, National Banks, Total Assets,

Bank Offices/Facilities

.

10

Abstract of Reports of Condition - Banks.

25

Comparative Statement of Earnings and Expenses - Banks.

28

Registered Bank Holding Companies and Subsidiary Banks.

31

International Bank Agencies, Banking Facilities and

Representative Offices

.

40

Summary of Activities of Credit Unions . .

43

Summary of Additions and Deletions - Credit Unions.

43

List of State-Chartered Credit Unions and Total Assets.

45

Abstract of Reports of Condition - Credit Unions

51

Abstract of Statement of Income and Expense - Credit Unions.

52

List of State-Chartered Savings and Loan Associations . . .

53

Report of Condition - State-Chartered Savings &Loan Associations

53

Income and Expense - State-Chartered Savings &Loan Associations.

54

Firms Licensed by Commissioner - Sale of Checks Act

55

Georgia Credit Union Deposit Insurance Corporation

57

HISTORY OF THE DEPARTMENT

1919

1982

The Department of Banking and Finance was created by the Executive Reorganization Plan of
1972 as successor to the Department of Banking. The original Department of Banking was created by
Act of the Legislature in 1919 con-
current with the enactment of The Banking Law which deals with the incorporation of banks and the regulation of the business of banking. Since the establishment of the Department in 1919, additional responsibilities have been assigned to the agency in the form of the Georgia Credit
Union Act (1925); Trust Company Laws of Georgia (1927); Georgia Sale of Checks Act (1965); Regulated Certificated Bank Act (1966); The Fiduciary Investment Company Act (1970); International Bank
Agency Act (1972); and Georgia Business Development Corporation Act (1972). The Executive Reorganization Plan of 1972, in addition to changing the name of the Department, provided for the Department to be headed
by a Commissioner as successor to the former Superintendent of Banks and transferred to the Department the
supervision of State-chartered building and loan associations. All of the foregoing Acts were subject to substantial recodification in the form of the Financial Institutions Code of Georgia (1974) which became effective April
1, 1975. Provisions of Title 13 of the Code of Georgia relating to Branch Banking and Bank Holding Companies were
substantially amended effective July 1, 1976 to permit multi-bank holding companies under Departmental supervision. The Georgia Credit Union Deposit Insurance Corporation (GCUDIC) was established pursuant to a 1974 Act of the General Assembly under the supervision of the Department. GCUDIC insures deposits of certain State-
chartered credit unions and building and loan
associations.

-i -

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1982

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 353 State-chartered banks, 63 National banks, 172 State-chartered credit unions, two State-chartered savings and loan associations and 14 licensed money order companies operating in this State, and other statistical information made available through the examination, investigation and licensing of financial institutions and others under the supervision of the Department of Bank i ng and Fi nance. The purpose of thi s report,
required by Section 7-1-74 of the Official Code of Georgia Annotated, is to provide factual and statistical information that might prove useful to the financial industry and may be used by individuals and financial institutions who might be engaged in economic studies or might otherwise
be interested.

BANKING DIVISION

The year-end call reports ref1 ect a cont i nuat i on of sound economic growth in the banking system. Total assets for the 416 National and State-chartered banks amounted to $30,363,487,000 reflecting an increase of $4,765,483,000 or 18.6%.

Expansion of State-chartered banks through bank offices and facilities continued with an additional 29 banking offices opened during 1982 and 15 offices closed or merged into National banks, bringing the total of such offices to 451. Eleven banks were lost through mergers in 1982.

During 1982 the Department approved 48 applications by bank holding companies for permission to acquire controlling interest in additional Georgia banks and/or bank holding companies. Twenty-nine of these applications were approved to establish new bank holding companies.

Fourteen international bank agencies and two representative offices of international banks had registered or had been authorized to establish an office in Georgia at year-end.

Trust activities continue to be conducted principally by bank trust departments and there is one separately chartered trust company. Other depos itory fi nanci a1 institutions exercise limited trust powers in connection with individual retirement accounts authorized by the Employee Retirement Income Security Act of 1976 enacted
by Congress.

Articles of Amendment of Articles of Incorporation were approved for eight banks to increase their outstanding capital stock. The Department approved eight Articles of

- ii -

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1982
(Continued)

BANKING DIVISION (Continued)
THRIFT INS TI TUTIONS DIVISION
SALE OF CHECKS ACT OTHER INSTI TUTIONS

Amendment creating authorized but unissued shares to be issued in the future. Nine banks were granted permission to issue authori zed but uni ssued shares through stock dividends or sales. Amendments were approved for four banks to change the par value of their shares, for six banks to change their names and for one bank to acquire trust powers. Permission was granted for three banks to issue subordinated securities, and one rescission was issued for apart i a1 amount of a previ ous approval. Fi fteen app 1i cat ions were approved gi vi ng consent for banks to retire subordinated securities.
Credi t Uni ons operating under State charter have experienced steady growth during 1982. Consolidated financial and statistical reports of the 172 State-chartered credit unions reflect an increase in total assets of $200,164,000 or 29.6% to a total of $877 ,052,000. All State-chartered credit unions provide their members with deposit protection through the Nat i ona1 Credit Uni on Administration or The Georgia Credit Union Deposit Insurance Corporation.
Total assets of State-chartered savings and loan associations as of December 31, 1982, were $20,261,000. The deposits of the State-chartered savings and loan associations are insured by The Georgia Credit Union Deposit Insurance Corporation.
At year-end The Georgi a Credit Union Deposit Insurance Corporation had total resources of $3,819,388 and insured deposits of 130 credit unions and two savings and loans having total insured deposits of $547,977,719.
The Department of Banki ng and Fi nance supervi ses the licensing of check sellers pursuant to the Georgia Sale of Checks Act enacted in 1965. Fourteen companies with a total of 3,080 agents throughout the State were licensed to do business under the Act during 1982.
The Department is charged wi th the respons i bi 1i ty of supervising the operations of Bank Data Processing Cooperatives, Fiduciary Investment Companies and Business Development Corporations. There is one business development corporation but no fiduciary investment companies currently operating.

- iii -

OFFICIAL ROSTER

E. D. DUNN Commissioner

ROBERT M. MOLER, CFE Deputy Commissioner

Reece V. Morris, CFE

Deputy Commissioner for Administration

John B. Kline, CFE

'" Deputy Commissioner for Bank Supervision

Chief Review Examiner~ International Bank Agencies~

Charles W. Burge, CFE

Trust~ Technical and Leqal
Deputy Commissioner for Thrift Institutions

Credit Unions~ Building and Loan Associations~ Check Sellers

David G. Sorrell, CFE

Training Director

Coordinator for Training and Educational Activities

David A. Hancock

Administrative Examiner

Larry S. Moor Ralph J. Shire

'" '"

Administrative Examiner Administrative Examiner

C. Craig Smith

(Thrifts) Administrative Examiner

Examination Report Review~ Holding Companies~ Relocations~ Mergers~

Applications for Banks and Bank Of!ices~ Securities Approvals~

Barbara Moore

Consumer Af!airs~ Technical and Legal

Accountant

Jeannie Benefield

Accountinq and Fiscal

:

Administrative Assistant, Banks

Dianne Blackstone

Administrative Assistant, Banks

Vickie Busby

'" .Administrative Assistant, Thrifts

Corporate Matters~ Consumer Affairs~ Pending Applications~

Exa~ination Report Review~ Statistical Reports~

Technical and Legal

Maggi e Smi th

Personne1 Manager

Personnel

L. Jean Ethridge '"

'" .. Confidential Secretary

Appointments~ Conferences and Seminars~ Information

Department Bulletin~ Forms and Applications

Sheila Bersch

Susan Brown

Renate Carroll

'"

Marilyn Fuller

Marilou Harvey

Sonja Hencely

Cathy Jones

Kathleen Tucker

Joseph Williams

Secretary/Typist

Senior Secretary/Typist

Accounting Technician

'"

'" .Senior Secretary/Typist

Senior Secretary/Typist

Principal Clerk

Secretary/Typist

Principal Clerk

Senior Clerk

- iv -

FIE L D E X A MIN E R S

DISTRICT
NORTHWEST
I

DISTRICT DIRECTOR Jackson D. Hardy

NORTHEAST Steven D. Bridges
II

SENIOR EXAMINERS William D. Atkins James E. Ha 1ey
Drexel Beck Gary V. Green

EXAMINERS
James M. Brooks Jerry A. Cox Thomas E. Garreau Victor A. Greene . Edward B. Heefner
Melinda Kinard Wayne Orr Ned Overby George Reynolds James Winn

ASSISTANT AND SENIOR ASSISTANT EXAMINERS James R. Emory Steve Lyle Larry J. Moody
Nan Ansley Randy Barrs Gary L. Fox Michael KilTeen Da 11 as Pass

CENTRAL I C. Dougl as Peugh
III

John H. Pennell Barry L. Rooks

<

EAST

Robert H. Callier, Jr. Hubert Mill er

CENTRAL

James R. Price

IV

Harry Brown Georgia High Grace A. Mayner Bill Reed Larry E. Shelley Emory Stanford
Willie J. Cheek Robert Davis

Jenny Neville
Princess Brown Robert J. Cannon Gary F. Ford Dianne Hickman Michael Hooks

SOUTHWEST Robley S. Rigdon
V

Robert L. Herndon D. Ray Johnston

Larry T. Duke John E. Gavin Michael Rosser John F. Sutphin

Eugene Cline Tracy D. Di 11 Glenn Edwards Joyce R. Jones
J. Alex Miller

SOUTHEAST Norman E. Mimbs VI

James F. Mi 11 s

Eddie L. Bishop Billy S. Wilson Jane M. Whitfield

George Keaveney
Ava Lovett Rick McCl intock
Robi n Sanford David T. Widincamp

CURRENT STAFF

~
E. NANETTE ANSLEY

WILLIAM D. ATKINS

DREXEL BECK

JEANNIE BENEFIELD

SHEILA BERSCH

EDDIE L. BISHOP ,/

DIANNE BLACKSTONE

STEVE D. BRIDG ES

JAMES M. BROOKS

HARRY BROWN

PRINCESS BROWN - vi -

SUS AN BROWN

W. BURGE

VICKIE BUSBY

ROBERT H. CALLIER

RENATE CARROLL

BILL CHEEK

GENE CLINE

JERRY A. COX

fJ
ROBERT DAVIS

/
TRACY DILL

LARRY T. DUKE

E. D. "JACK" DUNN
- vii -

GLENN EDWARDS

JAMES R. EMORY ,
GARY L. FOX
JOHN Co t;AVIN

JEAN ETHRIDGE

GARY F. FORD

MARILYN FULLER

THOMAS S. GARREAU

,
GARY V. GREEN

VICTOR A. GREENE

JAMES ED HALEY

DAVID A. HANCOCK
- viii -

/ JACKSON D. HARDY

MARILOU HARVEY

EDWARD B. HEEFNER

SONJA HENCELY

R. LARRY HERNDON

DIANNE HICKMAN

GEORGIA HlliH

I/.
MICHAEL- HOOKS

1
D. RAY JOHNSTON

,.
CATHY JONES

JAY T. JONES JR.

JOYCE R. JONES
- ix -

GEORGE S.

MI CHAEL KILLEEN

MELINDA KINARD

JOHN B. KLINE

AVA R. LOVETT

STEVE LYLE

GRACE A. MAYNER

HUBERT MILLER

J. ALEX MILLER

JAMES F . HILLS

NORMAN E. MIMBS

.... .....,-_. _ j,~_
ROBERT M. MOLER
- x-

LARRY MOODY

"

/

LARRY S. MOOR

BARBARA MOORE

RF.F.r.F. V. MORRIS

JENNY NEVILLE

WAYNE ORR

NED W. OVERBY

DALLAS PASS

JOHN H. PENNELL II

, C. DOUGLAS PEUGH

JAMES R. PRICE III

I
BILL REED
- xi -

GEORGE

ROBLEY S. RIGDON

.

Co

.

~~ II'-

.',

.. .
'1 ~ \~ . "

"

.1
~
,

ROBIN SANFORD

BARRY L. ROOKS LARRY E. SHELLEY

MIKE ROSSER RALPH SHIRE

C. CRAIG SMITH

MAGGIE SMITH

DAVID G. SORRELL

EMORY STANFORD

"JOHN F. SUTPHIN III
- xii -

KATHLEEN TUCKER

JANE M. WHITFIELD

DAVID T. WIDINCAMP

JOSEPH WILLIAMS

BILLY S. WILSON JR.

JAMES H. WINN JR.

- xiii -

EXAMINATION DISTRICTS AND DISTRICT WORK AREAS

T E N N. ! N.
i
u

c. ..----

Northwest District
~rietta/Cobb
2 Northeast District Oarkston/ DeKaib
3 Central District College Park/Oayton
4 East Central District Dublin/ laurens
5 Southwest District Albany/Dougherty
6 Southeast District Douglas/Coffee Savannah/Chatham

-c
,/
-c
..J

F

L

o

R

- xiv -

D

A

RECEIPTS AND DISBURSEMENTS FISCAL YEAR 1982

REVENUES COLLECTED
Bank Examination and Supervision Fees New Bank, Bank Office and Holding Company
Investigation Fees Credit Union Examination and Supervision
Fees Sale of Checks Investigation and License
Fees Building and Loan Examination, Supervision
and Investigation Fees Holding Company Examination and Supervision
Fees Miscellaneous Fees and Fines
Total Revenues Collected and Remitted to Fiscal Division, Department of Administrative Services

$2,670,021.00 170,450.00 296,042.57 8,826.00 4,684.00 21,800.00 11 ,524.20
$3,183,347.77

DISBURSEMENTS:
Personal Services Travel Expense Motor Vehicle Expense Offi ce Rent Equipment Printing Repairs and Maintenance Supplies and Materials Computer Communications Miscellaneous
Total Disbursements

$2,433,098.67 198,973.93 60,833.47 103,658.86 5,688.27 15,292.75 6,414.93 23,222.17 13,094.30 28,406.53 25,018.09
$2,913,701.97

xv -

LEGAL HOLI DAYS

January 1

New Year's Day

January 19

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

Ju1y 4

Independence Day

(Observed First Monday in July)

First Monday in September

'"

Labor Day

October 12

Co 1umbus Day

(Observed Second Monday in October)

November 11

Veterans' Day

Fourth Thursday in November

Thanksgiving Day

December 25

Chri stmas Day

(Observed Fourth Friday in December)

(Provided that when any of the holidays enumerated above fallon a Sunday, the Monday next following shall be observed as a Legal Holiday; also, provided that when any of the holidays enumerated above fallon a Saturday, the Friday before shall be observed as a Legal Holiday.)

MAXIMUM FLOATING INTEREST RATE ALLOWABLE ON REAL ESTATE LOANS

MONTH
JANUARY, 1982 FEBRUARY, 1982 MARCH, 1982 APRIL, 1982 MAY, 1982 JUNE, 1982 JULY, 1982 AUGUST, 1982 SEPTEMBER, 1982 OCTOBER, 1982 NOVEMBER, 1982 DECEMBER, 1982

PERCENT INTEREST
. 16.00 . 16.25 . 17.00 . 17.00 . 16.25 . 16.00 . 16.00 . 16.75 . 16.25 . 15.50 . 14.75 . 13.50

- xvi -

SUMMARY OF ACTIVITIES OF BANKS

ARTICLES OF INCORPORATION FOR BANKS APPROVED

NAME OF BANK

LOCA TION

APPROVED

Centra1 Interim Bank

Macon

7-27-82

PERMITS TO BEGIN BUSINESS

NAME OF BANK

LOCATION

Lumpkin County Bank

Dahlonega

APPROVED 12-14-82

- 1-

SUMMARY OF ACTIVITIES OF BANKS - Continued

APPLICATIONS FOR CONSOLIDATIONS AND/MERGERS APPROVED

NAME OF BANK

LOCATION ACTIVITY APPROVED

Georgia State Bank and
Georgia State Interim Bank
First Commercial Bank and
RPMC, Inc.
Clayton County Bank and
WBWB, Inc.
First Bulloch Bank & Trust Company
and Interim Bulloch Corporation
Bank of Banks County and
Banks County Interim Corporation
Northeastern Banking Company and
Northeastern Interim Banking Co.
Bank of Woodstock and
Woodstock Interim Bank
Atlantic Bank and Trust Company and
ABT Interim Corp.
Bank of Dahlonega and
Dahlonega Interim, Inc.
The Citizens Bank and
Citizens Interim Bank

Mableton) )
Mableton)
Buford ) )
Atlanta)
Riverdale) )
Atlanta )
Statesboro) )
Statesboro)
Homer) )
Homer)
Commerce) )
Commerce)
Woodstock) )
Woodstock)
Savannah) )
Savannah)
Dahlonega) )
Dahlonega)
Dallas) )
Dallas)

Merger Merger Merger Merger Merger Merger Merger Merger Merger Merger

1-19-82 2-24-82 2-24-82 3-08-82 3-24-82 4-08-82 4-19-82 4-23-82 5-24-82 6-25-82

- 2-

SUMMARY OF ACTIVITIES OF BANKS - Continued

APPLICATIONS FOR CONSOLIDATIONS AND/MERGERS APPROVED

NAME OF BANK

LOCATION ACTIVITY APPROVED

Peoples State Bank & Trust
and PBT Interim Corporation
First Bank of Habersham and
JMM, Inc.
The Farmers Bank of Tifton and
First Community Interim, Inc.
TC BIn t erim, Inc. and
The Coastal Bank
The Park Avenue Bank and
New Valdosta Interim, Inc.
First United Bank and
First United Interim, Inc.
Cohutta Banking Company and
Cohutta Interim Company, Inc.
Central Bank of Georgia and
Central Interim Bank
West Central Georgia Bank and
West Central Georgia Interim Corporation

Baxley) )
Baxley)
Cornelia ) )
Gainesville)
Tifton) )
Ti fton)
Hinesvi 11e) )
Hinesville)
Valdosta) )
Valdosta)
Montezuma) )
Montezuma)
Chatsworth) )
Chatsworth)
Macon) )
Macon)
Thomaston) )
Thomaston)

Merger Merger Merger Merger Merger Merger Merger Merger
~'erger

7-30-82 8-02-82 8-03-82 9-02-82 10-05-82 11-15-82 11-30-82 12-6-82 12-13-82

- 3-

SUMMARY OF ACTIVITIES OF BANKS - Continued

STATE BANKS IN LIQUIDATION

NAME OF BANK

LOCATION DATE CLOSED DEPOSI TORY

The Hamilton Bank & Trust Company
Unpaid Claims due FDIC . . . Estimated Value of Remaining
Unliquidated Assets

Atlanta

10-08-76

N/A *$2,308,271.00 **$1,975,805.00

First Augusta Bank & Trust Company
Unpaid Claims due FDIC Estimated Value of Remaining
Unliquidated Assets

Augusta

05-20-77

N/A

*$2,826,753.00

**$1,851,603.00

Peoples Banking Company
Unpaid claims due FDIC Estimated Value f Remaining
Unliquidated Assets

Boston

03-17-81

N/A

*$ 951,842.00

. **$ 748,124.00

Toney Brothers Bank
Unpaid Claims due FDIC Estimated Value of Remaining
Unliquidated Assets

Doerun

01-05-79

N/A
-0-
**$ 217,913 .00

* Principal only; does not include accrued interest due FDIC.
** The value of remaining assets is only an estimation due to future economic conditions, litigation, collections, and other factors that could change the appraised value substantially. The values are used primarily for a guide in determining the present status of the particular liquidation or receivership.

- 4-

SUMMARY OF ACTIVITIES OF BANKS - Continued

BRANCH BANKS AS OF DECEMBER 31, 1982

NAME OF BANK

CHARTER COUNTY

BRANCH COUNTI ES

Bank of the South, N. A. Atlanta
First Georgia Bank Atlanta
First National Bank of Atlanta Atlanta
National Bank of Georgia Atlanta
Trust Company Bank Atl anta
American National Bank Brunswick
Columbus Bank and Trust Company Columbus
First National Bank of Columbus Columbus
The First National Bank of Dalton Dalton
Fidelity National Bank Decatur
The Citizens Bank Folkston
Bank of the South, Clayton County, Forest Park
The Coastal Bank Hinesville
Trust Company Bank of Middle Georgia, N. A., Macon
The Citizens and Southern National Bank, Savannah

Fulton Fulton Fulton
Fulton Fulton
Glynn Muscogee Muscogee Whitfield DeKalb Charlton Clayton Liberty Bibb Chatham

- 5-

DeKalb, Clarke
DeKalb Bibb, Clayton, Cobb, DeKalb, Richmond
DeKa 1b DeKa 1b, Cayman Islands
Wayne
Chattachoochee
Chat tachoochee
Gordon
Fulton
Brantley
Fulton
Long
Houston Bibb, Butts, Clarke, Clayton, Cobb, Colquitt, DeKalb, Fulton, Gwinnett, Hart, Henry, Houston, Lowndes, Richmond, Thomas, Whitfield

SUMMARY OF ACTIVITIES OF BANKS - Continued

BANK OFFICES/FACILITIES APPROVED BUT UNOPENED AS OF DECEMBER 31, 1982

PARENT BANK

LOCATION

NAME OF BANK OFFICE/FAC. LOCATION

Wheeler County State

Bank

Alamo

Glenwood Facility

Glenwood

First Georgia Bank Atlanta

Chattachoochee Industrial

Office

Atlanta

The Commercial Bank Bowdon

First Tuesday Mall Office

Carrollton

First Commercial Bank Buford

Rockbridge Road Facility Norcross

Snellville Facility

Snellville

Peachtree Bank and Trust Company

Chamblee

Spalding Corners Office Norcross

Bank of Cumming

Cumming

Tri-County Mall Office Cumming

Trust Company Bank of

Gwinnett County

Lawrenceville Jimmy Carter Boulevard

Office

Norcross

Georgia State Bank Mableton

Tri-County Facility

Roswell

Bank of the South, Cobb County

Marietta

Sprayberry Crossinq Office

Marietta

First Bank &
Trust Co.

Marietta

Church Street Office Powers Ferry Plaza
Facility

Marietta Marietta

Bank of Quitman

Quitman

Troupeville Office

Valdosta

Roswell Bank

Roswell

Old Alabama Office

Roswell

Bank of Carroll County

Temple

Carrollton Office

Carrollton

Citizens State Bank Warner Robins North Houston Office

Warner Robins

Oconee State Bank

Watkinsville Bogart Office

Bogart

- 6-

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1982

State Chartered
Banks

Branches, Bank Offi ces & Faci 1it i es

IN OPERATION JANUARY 1, 1982 .

364

437

BANKS OPENING DURING YEAR

Lumpkin County Bank

Dahlonega (12-14-82)

+1

BANKS/BRANCHES DELETED BY MERGERS, ASSUMPTION,

AND CONVERSIONS DURING YEAR

.....

-11

-1

Athens Bank and Trust, Athens (12-17-82)

Gordon County Bank, Calhoun (10-1-82)

The Citizens and Southern Bank of Dalton,

Dalton (10-31-82)

The Citizens and Southern Bank of Hart

County, Hartwell (10-31-82)

The Citizens and Southern Bank of

Jackson, Jackson (10-31-82)

Macon Bank & Trust Company, Macon (9-30-82)

The Citizens and Southern Bank of Colquitt

County, Moultrie (8-31-82)

Bank of Pinehurst, Pinehurst (6-30-82)

Roswell Bank, CLAIRMONT OFFICE (Branch)

purchased by National Bank of Georgia

(5-01-82)

Saint Marys State Bank, Saint Marys (10-1-82)

The Citizens and Southern Bank of Thomas

County, Thomasville (10-31-82)

The Citizens and Southern Bank of Houston

County, Warner Robins (5-31-82)

BANK OFFICES/FACILITIES OPENING DURING YEAR . .

+29

Heritage Bank, Alpharetta (formerly Fulton

County Bank) Holcomb Bridge Office (7-12-82)

Sumter Bank and Trust Company, Americus

Forsyth Street Office, Americus (11-08-82)

Trust Company Bank, Atlanta

Gateway Fulton Industrial Office, Atlanta (1-4-82)

Georgia-Pacific Center Office, Atlanta (7-12-82)

Fannin County Bank, Blue Ridge

Valley Village Facility, Blue Ridge (7-22-82)

- 7-

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1982

State Chartered
Banks

Branches, Bank Offices
&Facilities

BANK OFFICES/FACILITIES OPENING DURING YEAR (Cont'd.)

Bartow County Bank, Cartersville Rockmart Highway Office (3-18-82)
Bank of the South, Gwinnett County, Duluth
Norcross-Rockbridge Office, Norcross (9-7-82) Farmers and Merchants Bank, Fayetteville
North Fayette Office, Fayetteville (5-7-82) The Citizens Bank, Gainesville
Browns Bridge Road Office, Gainesville (4-22-82) The Citizens and Southern Bank of West Georgia, LaGrange
Broad and Vernon Street Office, LaGrange (6-05-82) The State Bank of Leesburg, Leesburg
Smithville Bank Facility, Smithville (8-16-82) Farmers State Bank, Lumpkin
Richland Office, Richland (12-09-82) Georgia State Bank, Mableton
Galleria Office (4-19-82)
Macon Bank & Trust Company, Macon
Vineville Office, Macon (4-05-82) Bank of the South, Cobb County, Marietta
(formerly Cobb Bank & Trust Company, Smyrna)
Cherokee Road Office, Smyrna (1-29-82) Vinings Junction Facility, Atlanta (3-15-82) Commercial Bank of Cobb County, Marietta
Akers Mill Office, Atlanta (6-01-82)
NBG Cobb Bank, Marietta (formerly First Bank &
Trust Co.) Galleria Office, Atlanta (11-01-82)
Gwinnett Bank & Trust Company, Norcross
Killian Hill Office, Lilburn (3-15-82)
Farmers Bank of Pelham, Pelham Meigs Office, Meigs (3-08-82)
The Rockmart Bank, Rockmart Motor Bank Facility, Rockmart (2-11-82)
The Georgia State Bank of Rome, Rome
West Rome Office, Rome (12-31-82) Farmers and Merchants Bank of Senoia, Senoia
Sharpsburg Office, Sharpsburg (12-31-82) Heritage Bank of Gwinnett County, Snellville
(formerly Gwinnett County Bank) Killian Hill Office, Lilburn (1-04-82) Lawrenceville Office, Lawrenceville (3-18-82)

- 8-

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1982

State
Chartered Banks

Branches, Bank Offices
&Facilities

BANK OFFICES/FACILITIES OPENING DURING YEAR (Cont'd.)

Commercial Bank of Thomasville, Thomasville Gateway Office, Thomasville (3-15-82)
State Bank and Trust Co., Unadilla
The Bank of Pinehurst (6-30-82) The Citizens and Southern Bank of Houston County, Warner Robins
Russell Parkway Office, Warner Robins (4-06-82) The Peoples Bank, Winder
North Broad Facility, Winder (5-21-82)

BANK OFFICES/FACILITI~S DISCONTINUED DURING YEAR

-14

Athens Bank and Trust, Athens

Atlanta Highway Office, Athens (12-17-82)

The Citizens and Southern Bank of Dalton, Dalton

Rocky Face Office, Dalton (10-31-82)

Bank of Fort Valley, Fort Valley

North Valley Office, Fort Valley (1-22-82)

Macon Bank & Trust Company, Macon

Macon Mall Office, Macon (9-30-82)

Vineville Office, Macon (9-30-82)

Bank of the South, Cobb County, Marietta
(formerly Cobb Bank & Trust Company, Smyrna)

Interstate North Office, Marietta (1-29-82)

Commercial Bank of Cobb County, Marietta

Belmont Hills Office, Smyrna (11-26-82)

Westside Office, Marietta (5-29-82)

The Rockmart Bank, Rockmart

Goodyear Office, Rockmart (2-9-82)

Saint Marys State Bank, Saint Marys

Camden Mall Office, Saint Marys (10-1-82)

Sea Island Bank, Statesboro

South Side Office, Statesboro (10-15-82)

The Citizens and Southern Bank of Thomas County,

Thomasville

Gateway Office, Thomasville (10-31-82)

The Citizens and Southern Bank of Houston County,

Warner Robins

Plaza Office, Warner Robins (5-31-82)

Russell Parkway Office (5-31-82)

IN OPERATION DECEMBER 31, 1982

354

451

- 9-

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGAN

NO.

TOTAL

BUSINESS OFF. ASSETS**

Abbeville
Ad air s vill e Adel
Ai ley Alamo Alapaha Albany
Allentown I Alma 0 Al pharetta
I
Americus
Arlington Ashburn
Athens
Atlanta

Wilcox
Bartow Cook
Montgomery Wheeler Berrien Dougherty
Wilkinson Bacon
Fulton Sumter
Calhoun Turner
Clarke
Fulton

Dorsey State Bank Wilcox County State Bank *Bank of Adairsville Adel Banking Company
Farmers and Merchants Bank Montgomery County Bank
Wheeler County State Bank Bank of Alapaha The Citizens and Southern Bank of Albany *The First National Bank of Albany
Firs t State Bank & Trust Company Security Bank and Trust Company of Albany The Four County Bank
Alma Exchange Bank & Trust *The First National Bank of Alma
Heritage Bank
Bank of Commerce Citizens Bank of Americus Sumter Bank and Trust Company
Bostwick Banking company
Ashburn Bank The Citizens Bank of Ashburn First American Bank and Trust Company *The First National Bank of Athens
*Bank of the South, N.A. *Citizens Trust Bank
*First Georgia Bank *The First National Bank of Atlanta *The National Bank of Georgia *Trust Company Bank
Reliance Trust Company

* Member Federal Reserve System ** Amounts are in thousands *** Non-Deposit Trust Company

10-04-1972 10-04-1972 0 4-22-1952 4-22-1952 1 3-21-1899 3-24-1899 0 2-27-1929 3-01-1929 1 12-11-1947 1-15-1948 0 2-24-1926 3-01-1926 0 1-15-1945 1-17-1945 0 3-04-1905 3-25-1905 2 5-06-1943 6-01-1943 6
3-31-1961 3-31-1961 5 4-17-1970 8-31-1970 2 8-18-1941 9-15-1941 0 7-29-1981 7-29-1981 1
2-06-1920 4-12-1920 2 10-13-1891 1-02-1892 1 2-20-1937 3-25-1937 2 10-01-1973 10-28-1974 1 8-27-1935 3-01-1936 0 7-03-1900 7- -1900 0 7-27-1905 10-25-1905 0 9-24-1949 11-01-1949 1
7-12-1921 8-17-1921 2 3-22-1934 4-02-1934 10
9-21-1891 11-08-1891 43 2-11-1981 7-01-1981 0

962 10,757 10,558 35,382
8,935 10,000 9,705 20,486
151,300 66,272
136,258 43,032 12,439 20,781 19,898 29,360 53,747 42,917 27,317
11 ,396 35,047 28,619 47,973 128,937 1,225,345 60,010
293,223 4,018,452
759,981 2,886,994
***

CITY Augusta

Bainbridge

Ball Ground Barnesville

Barwick Baxley

Blackshear

--' --'

Blairsville

Blakely

Blue Ridge Bowdon
Bowman Brasel ton Bremen

Brooklet Broxton Brunswick

Buchanan

COUNTY
Richmond
Decatur
Cherokee Lamar
Brooks Appling
Pierce
Union
Early
Fannin Carroll Elbert Jackson Haralson
Bulloch Coffee Glynn
Haralson

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

*The First National Bank and Trust

Company of Augusta

*Georgia Railroad Bank & Trust Company

11-15-1892 12-31-1892 16

The Citizens Bank and Trust Company

11-08-1911 12-19-1911 0

*First State National Bank of Bainbridge

The First Port City Bank

4-03-1974 10-07-1974 0

Citi zens Bank

9-28-1926 10-01-1926 1

*The First National Bank of Barnesville

Lamar State Bank

4-14-1971 6-01-1972 1

Barwick Banking Company

2-16-1967 6-01-1967 0

Baxley State Bank

8-23-1917 8-25-1917 0

Peoples State Bank & Trust

5-04-1966 7-01-1966 0

*The Blackshear Bank

7-07-1892 7-07-1892 0

Peoples Bank

8-01-"1946 8-05-1946 0

*First National Bank of Un i on County

1-04-1982 1-04-1982

Union County Bank

2-18-1949 3-01-1950 0

Bank of Early

4-03-1941 4-28-1941 0

First State Bank of Blakely

5-06-1937 5-15-1937 1

Fannin County Bank

5-29-1916 6-06-1916 1

The Commercial Bank

9-22-1926 9-22-1926 1

The American Bank

12-02-1966 1-03-1967 0

Braselton Banking Company

12-13-1948 12-18-1948 0

The Citizens &Merchants Bank

6-09-1970 11-16-1970 0

Commercial &Exchange Bank

1-18-1949 2-01-1949 1

Farmers &Merchants Bank

2-04-1948 2-17-1948 1

Broxton State Bank

8-04-1966 9-01-1966 0

*American National Bank of Brunswick

The Coastal Bank of Georgia

7-22-1981 10-30-1981 3

*The First National Bank of Brunswick

*The First National Bank of Haralson County

TOTAL ASSETS**
133,664 497,859 40,940 45,407
27,548 20,323 33,066 20,536 3,166 41,019 14,910 15,896 20,458 8,541 38,197 19,806 25,427 36,063 32,520 7,456 3,190 8,966 23,084 21,771 12,101 117,360 38,445 114,923 22,265

* Member Federal Reserve System ** Amounts are in thousands

CITY
Buena Vista Buford Butler Byron Cadwe 11 Cairo
Calhoun Camilla
Canton
I Carnesville ~ Carrollton
Cartersville
Cave Spring Cedartown
Chamb 1ee Chatsworth
Chester Chickamauga Clarkesville Clarkston

COUNTY
Marion Gwi nnett Taylor Peach Laurens Grady
Gordon Mitchell
Cherokee
Franklin Carro 11
Bartow
Floyd Polk
DeKa 1b Murray
Dodge Walker Habersham DeKa 1b

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

Buena Vista Loan and Savings Bank
NBG Gwinnett Bank The Citizens State Bank Middle Georgia Bank Farmers State Bank
Cairo Banking Company Citizens Bank *First National Bank of Grady County *The Calhoun First National Bank Bank of Camilla
Planters &Citizens Bank
Bank of Canton
Etowah Bank First Bank and Trust The Carrollton State Bank
The Peoples Bank *West Georgia National Bank of Carrollton
Bartow County Bank The Citizens and Southern Bank
of Bartow County *The First National Bank of Cartersville
Bank of Cave Spring *The Commercial National Bank *The First National Bank of Polk County
Peachtree Bank and Trust Company
Cohutta Banking Company *The First National Bank of Chatsworth
Bank of Chester Bank of Chickamauga Habersham Bank Citizens DeKalb Bank

9-22-1887 9-01-1889 o
1-18-1946 2-11-1946 2
9-04-1926 9-04-1926 o
10-30-1962 2-04-1963 1
8-23-1972 8-23-1972 o
11-23-1903 11-23-1903 1
12-03-1903 1-01-1904 o
11-04-1889 1-02-1890 o 9-20-1904 5-24-1913 o
11-17-1892 12-18-1892 2 1-22-1927 1-29-1927 1 7-18-1960 8-01-1960 1 4-21-1972 8-01-1972 1 11-10-1909 12-01-1909 2
6-07-1973 3-28-1974
12-20-1947 11-19-1948 o
12-15-1966 6-15-1967 o
3-17-1960 5-06-1960 9 7-17-1905 1-24-1906 2
6-14-1966 9-26-1966 1 2-16-1910 5-10-1910 1 5-13-1904 5- -1904 3 4-10-1969 3-06-1970 5

TOTAL ASSETS**
14,533 36,330 24,730 25,652 5, 127 30,797 10,537 17 ,706 81,456 26,482 34,943 67,273 59,782 27,776 11 ,366 61,511 44,063 22,057
27,754 67,308 5,570 40,211 39,280 193,023 34,142 18,041 6,728 20,760 58,477 25,075

* Member Federal Reserve System ** Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGAN NO. BUSINESS OFF.

Claxton

Evans

The Claxton Bank

2-24-1941 2-24-1941 2

Tippins Bank & Trust Company

8-30-1940 9-03-1940 1

Clayton

Rabun

Bank of Clayton Rabun County Bank

6-30-1904 7-01-1904 1
5-01-1974 10-10-1975 o

Cleveland

White

The Peoples Bank

12-11-1945 7-01-1946 1

Cobbtown Cochran

Tattna 11 Bl eck1ey

White County Bank The Brown Bank Cook Banking Company
State Bank of Cochran

12-02-1975 10-29-1976 1
6-24-1970 6-24-1970 o 4-24-1942 7-01-1942 o 12-22-1921 1-05-1922 o

Co 1quitt

Miller

Citi zens Bank The Peoples Bank

3-24-1924 4-21-1924 o
3-16-1973 10-19-1973 o

Columbus

Muscogee

Columbus Bank and Trust Company

12-24-1888 4-01-1889 13

*The First National Bank of Columbus

*The National Bank and Trust Company

w

of Columbus

Trust Company of Columbus

3-19-1954 3-19-1954 4

Comer

Madison

Merchants and Farmers Bank

of Comer, Georgia

10-03-1935 10-10-1935

Commerce

Jackson

*The First National Bank of Commerce

Northeastern Banking Company

11-17-1981 5-28-1982 o

Conyers

Rockda 1e

First Bank of Conyers

11 - 17 - 1969 6-24-1970 2

Trust Company Bank of Rockdale

10-15-1891 6- -1901 2

Coolidge

Thomas

Farmers and Merchants Bank of Thomas County 12-18-1911 11-20-1911 1

Cordele

Crisp

Cordele Banking Company

5-31-1927 6-15-1927 1

First State Bank in Cordele

12-03-1938 1-03- 1939 1

Cornelia

Habersham Cornelia Bank

7-03-1900 8-04-1900 3

First Bank of Habersham

9-14-1979 9-15-1979 2

Covington

Newton

The Bank of Covington

4-10-1901 4-10-1901 1

*First National Bank of Newton County

Crawford

Oglethorpe The Commercial Bank

Crawfordville Taliaferro The Peoples Bank

9-02-1924 9-05-1924 o
12-08-1947 1-02-1948 o

TOTAL ASSETS**
26,532 16,007 50,227 14,572 75,483 23,983 4,427 15,562 20,831 27,489 15,055 343,265 271,931
128,206 46,252
13,085 39,815 15,894 28,571 79,237 8,321 40,113 39,050 54,973 45,152 68,934 23,283 13,680 9,960

* Member Federal Reserve System ** Amounts are in thousands

CITY
Cumming Cuthbert Dahlonega Dallas Dalton

COUNTY
Forsyth Randolph Lumpkin Paulding Wh it fie 1d

Danielsville Darien I Dawson
~
I Dawsonville Decatur
Dexter Donalsonville
Douglas

Madison McIntosh Terre 11
Dawson DeKa 1b
Laurens Seminole
Coffee

Do ug1asvill e Doug 1as

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

Bank of Cumming

10- 11 -1904 10-19-1904 0

Forsyth County ~ank

6-15-1964 9-26-1964 1

Cit i zens Bank

2-07-1938 3-01-1938 0

First State Bank of Randolph County

12-31-1958 1-02-1959 1

Bank of Dahlonega

5-27-1914 5-27-1914 1

Lumpkin County Bank

5-06-1981 12-14-1982 0

The Citizens Bank, Dallas, Georgia

7-23-1962 3-15-1963 2

*The First National Bank of Paulding County

The Bank of Dalton

12-26-1911 10-12-1912 2

*The First National Bank of Dalton

Hardwick Bank & Trust Company

2-17-1922 2-20-1922 3

Bank of Danielsville

12-11-1904 1-15-1908 0

The Darien Bank

12-08-1888 1-24-1889 1

Bank of Dawson

6-29-1911 7-01-1911 0

Bank of Terre 11

3-23-1936 5-01-1936 1

Dawson County Bank

7-01-1953 7-13-1953 0

*Fidelity National Bank

*The First National Bank of DeKalb County

The Knight State Bank

1-30-1967 2-01-1967 0

Commercial State Bank

10-21-1938 12-16-1938 1

Merchants and Farmers Bank

9-24-1925 9-24-1925 1

Coffee County Bank

6-19-1931 7-01-1931 0

The Exchange Bank

5-11-1971 5-11-1971 1

Trust Company Bank of Coffee County

5-22-1945 7-05-1945 2

Douglas County Bank

5-18-1973 6-24-1974 0

The Commercial Bank

4-24-1942 5-01-1942 2

Trust Company Bank of Douglas County

8-11-1959 5-09-1960 3

*First National Bank of Douglasville

TOTAL ASSETS**
66,569 45,050 19,895 16,948 42,661 2,023 23,843 40,905 56,456 213,768 88,274 8,622 20,505 34,007 36,595 14,470 42,489 57,643 8,208 23,536 17,717 30,815 14,028 69,393 7,496 60,335 42,902 6,303

* Member Federal Reserve System ** Amounts are in thousands

CITY Dublin

COUNTY Laurens

Dudley Duluth Eastman
Eatonton
Edison Elberton
Ellaville I Ellijay
(}1
Fairburn Fayetteville
F i t z g e r a 1d

Laurens Gwi nnett Dodge
Putnam
Calhoun Elbert
Schley Gi lmer
Fu lton Fayette
Ben Hi 11

Folkston
Forest Park Forsyth

Char l ton
Clayton Monroe

Fort Gaines Clay

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

The Citizens and Southern Bank of Dublin Farmers and Merchants Bank The Morris State Bank
Bank of Dudley Bank of the South, Gwinnett County
Bank of Eastman Citizens Bank & Trust Company Farmers & Merchants Bank The Peop 1es Bank The Bank of Edison *First National Bank in Elberton Granite City Bank
Bank of Ellaville The Bank of Ellijay First State Bank of Gilmer County Fairburn Banking Company Farmers and Merchants Bank First Citizens Bank
The Bank of Fitzgerald The First State Bank of Fitzgerald *The National Bank of Fitzgerald The Citizens Bank *First National Bank of Folkston Bank of the South, Clayton County The Farmers Bank First Citi zens Bani,
Monroe County Bank Fort Gaines Banking Company

10-29-1928 11-01-1928 3

5-26-1910 7-06-1910 3

7-31-1958 10-02-1958 1

10-02-1905 11- -1905 0

1-22-1945 2-17-1945 2

12-28-1918 1-02-1919 0

3-12-1949 4-01-1949 1

10-30-1922 11-15-1922 0

3-16-1944 5-01-1944 0

9-24-1904

1904 0

12-03-1927 1-02- 1928 2

9-10-1910 9-16-1910 0

5-21-1914 6-01-1914 1

11-05-1973 8-29-1974 0

9-14-1891

1902 1

2-16-1906 3-13-1906 2

6-28-1973 7-01-1974 1

11-10-1975 4-15-1976 1

5-24-1948 7-19-1948 1

9-30-1981 9-30-1981 2

9-30-1981 9-30-1981 8

3-09-1910

1910 0

2-17-1920 3-01-1920 0

11-02-1908 10-15-1908 0

2-11-1937 2-15-1937 0

TOTAL ASSETS**
88,072 70,553 43,554 19,688 44,084 32,085 31 ,043 26, 111 22,615 16,087 53,842 52,521 10,604 38,797 11 ,659 27,455 36,977 17,977 30,725 30,778 38,483 36,407 11 ,134 107,579 17,807 12,010 24,516 12,497

* Member Federal Reserve System ** Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGAN NO. BUSINESS OFF.

Fort Oglethorpe Catoosa Fort Valley Peach

Franklin Gainesville

Heard Hall

Gibson Glennville
Gordon Gray Greensboro
O'l Greenville I Griffi n

Glascock Tattna 11
Wilkinson Jones Greene
Meriwether Spalding

Haddock Hahira
Hampton Hapeville Harlem Hartwe 11 Hawkinsville
Hazlehurst
Hiawassee

Jones Lowndes
Henry Fulton Columbia Hart Pulaski
Jeff Davi s
Towns

Fort Oglethorpe State Bank Bank of Fort Valley The Citizens Bank The Bank of Heard County The Citizens Bank *The First National Bank of Gainesville *The Gainesville National Bank Bank of Gibson First Citizens Bank The Glennville Bank and Trust Company The Gordon Bank Bank of Gray Bank of Greensboro Citizens Union Bank The Greenville Banking Company
Commercial Bank & Trust Company
The Bank of Griffin *First National Bank of Griffin
Jones County Bank Citizens Bank of Hahira Commercial Banking Company
Bank of Hampton Capital City Bank
Bank of Columbia County Bank of Hartwell Planters Bank The Pulaski Banking Company
Bank of Hazlehurst Jeff Davi s Bank Bank of Hiawassee

12-04-1963 8-07-1964 2
10-11-1924 10-15-1924 0 12-14-1906 1-01-1907 1
10-14-1905 10-18-1905 0 5-19-1913 6- -1913 3

11-07-1905 11-27-1905 0

12-31-1942 1-04-1943 1

1-12-1905 1-18-1905 1

6-08-1946 8-01-1946 0

8-23-1909 8-28-1909 0

10-13-1926 10-14-1926 0

3-09-1946 4-01-1946 1

10-24-1887

1891 0

10-11-1889 10-09-1890 3

6-08-1967 8-16-1968 1

7-14-1905 7-25-1905 0
2-12-1927 2-21-1927 0
1-29-1945 4-05-1945 0
12-31-1965 2-01-1966 0 7-20-1945 9-04-1945 1
11-29-1909 12-13-1909 0 5-15-1961 11-09-1961 1 2-27-1896 3- -1896 1 7-20-1949 8-27-1949 0
10-19-1906 10- -1906 0 7-12-1962 12-01-1962 0 6-14-1909 7-21-1909 1

TOTAL ASSETS**
21,254 28,345 28,102 12,120 52,015 208,344 112,254 2,906 21,749 24,443 11 ,633 15, 184 32,600 30,627 12,672 128,579 28,672 56,214 2,461 12,426 9,800 11 ,645 25,725 13,949 21,846 26,900 23,353 18,534 16,840 32,067

* Member Federal Reserve System ** Amounts are in thousands

CITY

COUNTY

Hinesville

Liberty

Hogansvi l l e
Homer Homerville
Irwinton Jackson Jasper

Troup
Banks Clinch Wilkinson Butts Pickens

Jefferson Jeffersonville Jesup Jonesboro I Kingsland
'-I
I LaFayette
LaGrange

Jackson Twi ggs Wayne Clayton Camden
Walker
Troup

Lakeland

Lanier

Lavonia

Franklin

Lawrenceville Gwinnett

Leary Leesburg

Calhoun Lee

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

The Coastal Bank

7-09-1970 7-09-1970 1

The Hinesville Bank

9-04-1911 11-15-1911 2

The Citizens Bank

11-30-1961 12-11- 1961 0

Bank of Banks County

6-25-1974 12-28-1974 0

Empire Banking Company

3-01-1945 6-01-1945 0

Wilkinson County Bank

7-16-1907 7-16-1907 0

McIntosh State Bank

2-14-1964 9-18-1964 0

Jasper Banking Company

1-17-1945 3-12-1945 0

Pickens County Bank

8-25-1976 6-18-1977 0

*The First National Bank of Jackson County

Peoples State Bank

12-10-1969 12-10-1969 0

*The First National Bank of Wayne County

Trust Company Bank of Clayton County

10-06-1903 11-17- 1903 5

Citizens State Bank

7-29-1981 7-29-1981 0

State Bank of Kingsland

11-26-1912 12- -1912 0

The Bank of LaFayette, Georgia

11-13-1889

1889 1

Walker County Bank

11-16-1971 11-16-1972 1

The Citizens and Southern Bank

of West Georgia

7-23-1937 8-02-1937 3

Commercial Bank & Trust Company

of Troup County

7-08-1941 9-15-1941 1

Peoples Bank of LaGrange

9-22-1965 4-11-1966 2

Farmers and Merchants Bank

4-08-1907

1907 0

Northeast Georgia Bank

9-20-1940 9-23-1940 2

*The Brand Banking Company

6-02-1905 7-17-1905 2

*First National Bank of Gwinnett County

Trust Company Bank of Gwinnett County

1-11-1971 9-16-1971 4

Jordan Banking Company

12-30-1965 1-03-1966 0

The State Bank of Leesburg, Georgia

4-09-1947 12-01-1947 1

TOTAL ASSETS**
39,702 38,276 12,397 13, 149 14,813 11,823 19,346 34,365 13,346 20,955 5, 122 31,709 51,167 5,004 9,135 47,719 19,791
83,053
42,944 34,834 21,863 30,390 44,307 109,477 43,649 5,456 9,572

* Member Federal Reserve System ** Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGAN NO. BUSINESS OFF.

Lenox Les 1ie Lexington Lincolnton Lithonia Locust Grove Loganville Louisville Lumber City Lumpkin Lyons Mableton Macon
co Madison
Manchester
Mansfield Mari etta
Marshallville Martinez McDonough McRae

Cook Sumter Oglethorpe Lincoln DeKa1b Henry Walton Jefferson Telfair Stewart Toombs Cobb Bibb
Morgan
Meriwether
Newton Cobb
Macon Columbia Henry Telfair

Bank of Lenox
Farmers &Merchants Bank
Citizens Banking Company Farmers State Bank The Peoples Bank
The Farmers Bank Bank of Loganville *The First National Bank of Louisville Bank of Lumber City Farmers State Bank The Peoples Bank of Lyons, Georgia Georgia State Bank Central Bank of Georgia
Georgia Bank & Trust Company
*Trust Company Bank of Middle Georgia, N.A. Bank of Madison
*First National Bank Bank of Manchester
F &MBank and Trust Company
Newton County Bank Bank of the South, Cobb County Commercial Bank of Cobb County
NBG Cobb Bank *The First National Bank of Cobb County
First State Bank Georgia State Bank *Trust Company Bank of Henry County, N.A.
The Merchants &Citizens Bank
The Security State Bank

6-20-1907 12-19-1940 2-07-1949 9-26-1911 8-26-1910 1-03-1910 5-06-1946
5-22-1945 10-21-1911 5-04-1935 9-15-1981 10-12-1982 6-09-1960
12-26-1888
1-28-1910 10-07-1947 12-19-1945 8-14-1981 9-02-1955 12-18-1906
9-19-1910 7-05-1909
3-28-1929 8-23-1972

6-25-1907 o 1-02-1941 o 3-10-1949 o 12-02-1911 o
1910 o
1- 1910 1
10-05-1946 o
7-02-1945 o
12- -1911 1 6-01-1935 1 3-03-1982 5 2-01-1983 4 7-01-1960 6
1-01-1890 o
2-02-1910 o
2-21-1948 1 3-01-1946 1 1-29-1982 2 9-17-1956 6 1-01-1907 10
9-27-1910 o
8-01-1909 2
3-28-1929 o
8-23-1972 o

TOTAL ASSETS**
7,502 8,148 11 ,797 20,756 24,807 9,809 9,466 29,075 4,769 7,570 21,296 78,003 37,883 140,030 274,044 17,950 25,290 28,680 11 ,035 6,407 33,819 81,072 192,369 225,839 4,563 29,759 49,238 19,048 16,063

* Member Federal Reserve System ** Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGAN NO. BUSINESS OFF.

Meigs Metter
Midville Milan Mi 11 edgevi 11 e
Mi 11 en
Molena I Monroe
~
I Montezuma
Monticello
Morven Moultrie
Mount Vernon Nashville
Newi ngton Newnan
Newton Nicholls Norcross

Thomas Candler
Burke Telfair Baldwin
Jenkins
Pike Walton
Macon
Jasper
Brooks Colquitt
Montgomery Berrien
Screven Coweta
Baker Coffee Gwi nnett

Bank of Meigs Metter Bank i ng Company
Pineland State Bank Bank of Midville Bank of Milan
The Citizens and Southern Bank of Milledgeville
Exchange Bank The Merchants and Farmers Bank
of Mi 11 edgevi 11 e Bank of Millen Ogeechee Valley Bank
Bank of Molena First American Bank of Walton *The National Bank of Walton County
The Bank of Macon County First United Bank
Bank of Monticello *The Farmers National Bank of Monticello
The Citizens Bank of Morven, Georgia American Banking Company
*Moultrie National Bank Mount Vernon Bank
The Citizens Bank The United Banking Company Bank of Newington Bank of Coweta The Citizens and Southern Newnan Bank *First National Bank of Newnan
Baker County Bank Nicholls State Bank
Gwinnett Bank & Trust Company

* Member Federal Reserve System ** Amounts are in thousands

5-08-1903 6- -1903 0 7-25-1930 8-26-1935 0 12-27-1961 10-15-1962 0 4-13-1945 5-21-1945 0 12-05-1906 10- -1906 0
2-28-1874 10-13-1884 1 5-20-1903 6-01-1903 2
3-22-1898 3- -1898 1 1-04-1893 3-01-1893 0 9-01-1972 1-07-1974 0 10-07-1901 3- -1899 0 1-01-1906 1-01-1906 2
12-20-1972 1-02-1973 1 10-23-1948 1-10-1949 1 2-08-1964 2-10-1964 0
1-18-1973 1-18-1973 0 8-13-1971 10-01-1971 1
12-21-1900 1-24-1901 0 2-19-1943 3- -1943 1 7-10-1924 7-15-1924 1 7-07-1919 8-14-1919 0 2-11-1972 10-06-1972 2 2-25-1955 2-25-1955 2
10-04-1906 10-15-1906 0 12-02-1952 1-02-1953 0 9-11-1967 3-01-1968 4

TOTAL ASSETS**
4,894 31,409 10,383 6,286 7,569
64,908 44,106
28,042 23,186 9,724 5,906 43,435 53,799 34,223 25,023 15,261 15,551 4,603 33,860 72,987 16,918 24,397 13,980 3,539 33,707 52,348 59,093 6,733 8,104 63, 126

CITY

COUNTY

Oc ill a

Irwi n

Omega Pa lmetto Patterson
Pavo Peachtree City Pearson Pelham

Tift Fulton Pierce
Thomas Fayette Atkinson Mitchell

Pembroke Perry

Bryan Houston

I Pine Mountain N Pineview 0 Pi tts
Preston
Quitman

Harris Wilcox Wilcox
Webster Brooks

Reidsville Reynolds Rhine Richland Ringgold Riverdale Roberta Rochelle
Rockmart

Tattna 11 Taylor Dodge Stewart
Catoosa Clayton Crawford Wilcox
Polk

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

The Bank of Ocilla, Georgia The First State Bank of Ocilla South Georgia Banking Company First Fulton Bank and Trust
The Patterson Bank
Pavo State Bank The Fayette State Bank The Citizens Exchange Bank
Farmers Bank of Pelham Pelham Banking Company
The Pembroke State Bank The Bank of Perry *First National Bank of Houston County
Farmers and Merchants Bank Pineview State Bank Pitts Banking Company
Bank of Webster
Bank of Quitman *The Citizens National Bank of Quitman
The Tattna 11 Bank The Citizens State Bank Williams Banking Company Richland Banking Company
Northwest Georgia Bank NBG Clayton Bank The Crawford County Bank Rochelle State Bank
The Rockmart Bank

9-20-1956 10-01-1956 0

5-11-1943 6-01-1943 1

4-15-1970 4-15-1970 1

6-29-1918 7-10-1918 2

6-19-1907 6-19-1907 0

6-24-1971 6-24-1971 0

1-31-1964 2-01-1964 3

1-19-1943 5-12-1945 0

8-25-1902 9-01-1902 2

12-04-1936 12-08-1936 0

12-29-1937 2-11-1938 1

8-20-1889

1889 1

3-22-1909 4-19-1909 2 9-20-1910 9-20-1910 0
6-02-1906 6- -1906 0 6-29-1970 6-29-1970 0 12-26-1888 12-31-1888 1

9-14-1900 10-22-1900 1

9-08-1922 9-08-1922 0

8-04-1947 10-01-1947 0

10-13-1927 10-15-1927 0

8-26-1904 8- -1904 2

9-18-1968 6-09-1969 4

1-07-1901 1-08-1901 0

7-08-1947 8-01-1947 0

10-30-1900

1900 1

TOTAL ASSETS**
21,324 21 , 136 19,769 15,102 6,432 5,292 45,296 8,884 31 ,966 24, 185 22,084 31,299 37,735 27,884 5,955 4,649 4,959 17,642 15,771 22,384 14,179 8,359 6,564 42,127 45,688 16,738 5,413 29,458

* Member Federal Reserve System ** Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CI TY

COUNTY

NAME OF BANK

CHARTER DATE

BEGAN

NO.

TOTAL

BUSINESS OFF. ASSETS**

Rome

Floyd

The Georgia State Bank of Rome

4-02-1976 1-05-1978

*The First National Bank of Rome

*National City Bank of Rome

The Rome Bank and Trust Company

4-05-1945 10-01-1945 3

Rossville

Walker

Rossville Bank

7-01-1963 12-13-1963 2

Roswe 11

Fu lton

Roswell Bank

3-01-1901 3- -1901 3

Royston

Franklin

Tri-County Bank of Royston

8-09-1941 9-01-1941 1

Rutledge

Morgan

Bank of Rutledge

9-24-1898 10-01-1898 0

Saint Marys Camden

*First National Bank of Camden County

10-01-1982 10-01-1982

Peoples Bank

5-07-1973 5-07-1973 1

Sandersville Washington Citizens Bank of Washington County

1-06-1965 5-03-1965 1

The Geo. D. Warthen Bank

3-18-1957 3-18-1957 1

Sardis

Burke

Bank of Sardis

4-27-1945 7-02-1945 0

I Savannah

Chatham

Atlantic Bank and Trust Company

11-06-1933 11-06-1933 1

N ---'

The Carver State Bank

4-29-1947 6-04-1947 1

*The Citizens and Southern National Bank

First Bank of Savannah

7-29-1909 8-04-1909 6

*Savannah Bank and Trust Company of Savannah 3-04-1869 7-01-1869 11

Southern Bank and Trust Company

10-10-1974 5-28-1975 1

*Trust Company of Georgia Bank

of Savannah, N.A.

Senoia

Coweta

Farmers and Merchants Bank of Senoia

3-02-1874

1889

Smyrna

Cobb

*Trust Company Bank of Cobb County, N.A.

Snellville

Gwi nnett

Heritage Bank of Gwinnett County

9-23-1970 3-04-1971 5

Social Circle Walton

Georgia Central Bank

12-31-1923 3-08-1924 1

Soperton

Treut 1en

The Bank of Soperton

7-16-1906

1903 0

Sparta

Hancock

Bank of Hancock County

10-18-1904 9-05-1904 0

United Security Bank

5-10-1976 6-01-1967 0

Springfield Effi ngham The Citizens and Southern Bank

20,292 107,493 121 ,320 62,870 47,036 63,403 33,463
9,450 14,419 8,933 20,271 41 ,289 5,830 49,821 21 ,738 5,475,882 89,010 435,963 10,907
175,927 9,644
112,787 44,776 19,366 21 ,061 20,953 3,944

* Member Federal Reserve System ** Amounts are in thousands

CITY
Stapleton Statesboro
Stockbridge Summerville Swainsboro

Sylvania

Sylvester

Ta 1botton

1 Ta 11 apoosa

N

N I

Taylorsville

Temp 1e

Tenn ill e

Thomaston

Thomasvi 11 e
Thomson Ti fton

COUNTY

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

Jefferson Bank of Stapleton

3-20-1916

1916 0

Bulloch

First Bulloch Bank & Trust Company

1-19-1934 4-14-1934 3

Sea Island Bank

3-11-1901

1901 2

Henry

The First State Bank

9-21-1964 10-08- 1964 2

Chattooga Farmers &Merchants Bank

2-05-1926 2-06-1926 3

Emanuel

Spivey State Bank

8-27-1964 3-01-1965 0

The Central Bank

10-27-1920 11-09-1920 1

The Citizens Bank of Swainsboro

11-10-1900

1900 1

Screven

Bank of Screven County

4-10-1911 5-01-1911 0

Farmers and Merchants Bank

2-18-1946 3-01-1946 1

Worth

Bank of Worth County

4-28-1945 11-01-1945 2

Sylvester Banking Company

7-05-1898 7- -1898 0

Ta 1bot

The Peoples Bank of Talbotton

12-09-1890 1-13-1891 0

Haralson

Commercial Bank

12-09-1971 12-09-1971 1

West Georgia Bank of Tallapoosa, Georgia 12-06-1948 6-06-1949 0

Bartow

Peoples Bank of Bartow County

6-06-1905 6-13-1905 1

Carroll

Bank of Carroll County

11-25-1946 7-01-1947 3

Washington Tennille Banking Company

4-04-1900 4- -1900 1

Upson

Bank of Upson

6-23-1951 10-01-1951 1

The Ci t i zens and Southern Bank

of Thomaston

1-18-1926 2-28-1930 1

West Central Georgia Bank

12-13-1973 4-15-1974 1

Thomas

Commercial Bank

7-03-1916 7-22-1916 2

*First National Bank of Thomasville-Thomas

County

McDuffie

Bank of Thomson

12-30-1890

1891 2

*First National Bank

Ti ft

The C &S Bank of Tifton

10-10-1891

1896 3

The Citizens Bank of Tifton

2-24-1948 4-15-1948 1

The Farmers Bank of Tifton

12-21-1936 2-24-1937 1

TOTAL ASSETS**
8,618 66,607 75,568 30,946 48,879 24,576 23,042 40,447 35,926 30,398 27,697 32,437 9,565 10,098 14,199 14,264 16,426 24,428 35,326
48,568 19,366 92,391
17,232 55,944 47,707 63,449 39,881 43,664

* Member Federal Reserve System ** Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGAN NO. BUSINESS OFF.

Toccoa
Trenton Trion Twin City Unad ill a Union Point Uv a1da Valdosta
Vidalia
N
w
I Vi enna
Villa Rica Wadley Warm Springs Warner Robins Warrenton Washington
Watkinsville Waycross

Stephens
Dade Chattooga Emanuel Dooly Greene Montgomery Lowndes
Toombs
Dooly
Carroll Jefferson Meriwether Houston Warren Wilkes
Oconee Ware

The Bank of Toccoa The Citizens Bank
Bank of Dade *First National Bank of Chattooga County
Durden Banking Company, Incorporated State Bank and Trust Co. The Farmers Bank Altamaha Bank and Trust Company *The First National Bank of Valdosta First State Bank and Trust Company
of Valdosta The Park Avenue Bank Brice Banking Company, Inc. Darby Bank and Trust Co. *First National Bank and Trust Company
Bank of Dooly Citi zens Bank Bank of Villa Rica Bank of Wadley First American Bank
Citizens State Bank
Cit i zens Bank Farmers and Merchants Bank Washington Loan and Banking Company Oconee State Bank Commercial Bank *First National Bank in Waycross
Southern Bank

8-10-1911 9-01-1911 2 5-25-1950 3-16-1951 2 7-05-1955 1-12-1956 0
6-26-1935 7-05-1935 0 4-19-1935 4-22-1935 2 9-06-1911 9-06-1911 1 5-02-1966 5-16-1966 1
1-22-1906 3- -1906 2 6-28-1971 6-28-1971 0 9-07-1965 10-14-1965 0 6-22-1934 7-01-1934 0
11-10-1975 7-30-1976 0 6-24-1931 7-01-1931 0 5-04-1899 5- -1899 1 1-29-1902 1- -1902 0 10-11 -1905 8-03-1906 1 12-13-1950 1-02-1951 2 4-14-1902 4- -1902 0 8-10-1949 3-14-1950 1 9-07-1891 5-01-1895 1 6-05-1959 2-01-1960 0 10-15-1918 10-30-1918 2
5-22-1956 6-11-1956 2

TOTAL ASSETS**
41,719 42,084 18,994 17,232 15,787 29,508 34,713 15,581 80,975
58,807 23,110 19,500 26,780 36,789 12,141 14,993 27,413 13,806 10,463 64,370 16,092 39,958 42,311 28,882 33,233 44,814 60,268

* Member Federal Reserve System ** Amounts are in thousands

CITY
Waynesboro
West Point Willacoochee Winder
Woodbine Woodbury Woodland Woodstock Wrens Wrightsville
I Zebulon
N
~

COUNTY

NAME OF BANK

LIST OF STATE AND NATIONAL BANKS
CHARTER DATE

BEGAN NO. BUSINESS OFF.

Burke
Troup Atkinson Barrow
Camden Meriwether Ta 1bot Cherokee Jefferson Johnson
Pike

*Bank of Waynesboro
*Fi rst Nat i ona1 Bank *Fi rst Nat rona1 Bank of West Point
The Peop 1es Bank Bank of Barrow The Peoples Bank
The Camden County State Bank The Woodbury Banking Company
Talbot State Bank Bank of Woodstock First State Bank Bank of Wrightsville Commercial Bank of Pike County The Bank of Zebulon Commercial Bank of Pike County

12-16-1890

1891

1-04-1952 1-15-1952 0 3-12-1951 3-17-1951 2 10-29-1926 10-30-1926 2
6-24-1947 1-02-1948
9-29-1902 9-29-1902 0
11-18-1907 11-25-1907 0 1-18-1982 6-04-1982 0 2-25-1964 7-06-1964 0
2-16-1897 2-16-1897 0 10-29-1903 11-29-1903 1 3-18-1905 1-31-1905 1 10-29-1903 11-29- 1903 1

TOTAL ASSETS**
35,329 20,651 49,636 5,428 57,265 31,655 7,051 11 ,008 5,791 13,245 17,489 19,890 7,444 22,589 7,444

* Member Federal Reserve System ** Amounts are in thousands

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITION OF STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1982
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1981 (Amounts in Thousands)

ASSETS

December 31, 1982 December 31, 1981

416 Banks

426 Banks

Cash and Due from Depository Institutions U.S. Treasury Securities
Obligations of Federal Agencies SCM Obligations
All Other Securities Federal Funds Sold and Securities Purchased
Under Agreement to Resell Gross Loans
Reserve for Loan Losses Unearned Income Net Loans Direct Lease Financing Bank Premises, Furniture and Fixtures Other Real Estate Owned All Other Assets
TOTAL ASSETS

$ 4,281,021 1,920,199 1,622,572 3,360,235 121,040
2,697,583 15,414,748
(211,795) (754,559 ) 14,448,394 152,760 638,220
58,417 1,063,046 $ 30,363,487

$ 3,449,213 1,324,056 1,245,266 3, 104,776 106,724
1,915,038 13,651,884
(193,310) (747,596) 12,710,978 138,583 577,773
57,968 967,629 $ 25,598,004

LIABILITIES

Demand Deposits of IPC - Domestic Time and Savings Deposits of IPC - Domestic IPC Deposits in Foreign Offices
Deposits of U.S. Government Depos its of SCM Certified and Officers' Checks All Other Deposits Total Deposits

$ 6,125,757 14,259,590
214,845
58,202 1,563,606
146,950
1,061,135 $ 23,430,085

$ 5,886,489 11,218,261
272,381 105,809 1,607,664 151,695 1,134,852 $ 20,377,151

Federal Funds Purchased and Securities Sold Under Agreement to Repurchase
Interest Bearing Demand Notes and Other Liabilities for Borrowed Money
Mortgage Indebtedness All Other Liabilities TOTAL LIABILITIES

3,326,173
149,605 34,645 1,173,697 $ 28, 114,205

1,983,782
153,526 32,274 1,042,986 $ 23,589,719

Subordinated Notes and Debentures

146,545

88,527

EQUI TY CAPI TAL

Preferred Stock Common Stock
Surplus Undivided Profits and Capital Reserves TOTAL EQUITY CAPITAL

977 408,916
753,114 939,730 $ 2,102,737

732 410,431
684,945 823,650 $ 1,919,758

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$ 30,363,487

$ 25,598,004

- 25 -

Number of Banks

ABSTRACT OF REPORTS OF CONDITION (BY SIZE) OF
STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1982 (Amounts in Thousands) 64 Less than

Size of Bank
ASSETS
Cash and Due from Depository Institutions U.S. Treasury Securities Obligations of Federal Agencies SCM Obligations All Other Securities Federal Funds Sold and Securities Purchased
Under Agreement to Resell Gross Loans
Reserve for Loan Losses Unearned Income Net Loans Direct Lease Financing Bank Premises, Furniture and Fixtures Other Real Estate Owned All Other Assets TOTAL ASSETS
LIABILITIES
Demand Deposits of IPC - Domestic
Time &Savings Deposits of IPC - Domestic
IPC Deposits in Foreign Offices Deposits of U.S. Government Deposits of SCM Certified and Officers' Checks All Other Deposits TOTAL DEPOS ITS
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase
Interest Bearing Demand Notes and Other Liabilities for Borrowed Money
Mortgage Indebtedness All Other Liabilities TOTAL LIABILITIES
Subordinated Notes and Debentures
EQUITY CAPITAL
Preferred Stock Common Stock Surplus Undivided Profits and Capital Reserves TOTAL EQUITY CAPITAL
TOTAL LIABILITIES, SURORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$10 Million
$ 43,301 33,193 58,593 25,936 1,017
53,754 210,643
(2, 146 ) (16,195) 192,302
0 11 , 120 1,258 6,485 $ 426,959
$ 78,789 262,602 0 1, 142 25,660 2,858 837
$ 371 ,888
279
99 131 6,010 $ 378,407
625
0 8,791 21 ,701 17,435 $ 47,927
$ 426,959

- 26 -

139 $10 Million
to $25 Million
$ 200,661 194,005 262,785 245,916 1,387
248,923 1,260,902
(13,760) (86,295) 1,160,847
107 48,970 6,817 42,940 $ 2,413,358
$ 417,946 1,528,472 0 4,744 167,529 15,079 838
$ 2, 134,608
5,417
4,535 2,009 36,282 $ 2,182,851
2,657
282 42,387 88,739 96,442 $ 227,850
$ 2,413,358

ABSTRACT OF REPORTS OF CONDITION (BY SIZE) OF
STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1982
(Amounts in Thousands)

Number of Banks Size of Bank

181 $25 Million
to $100 Million

ASSETS

Cash and Due from Depository Institutions U.S. Treasury Securities Obligations of Federal Agencies SCM Obligations All Other Securities Federal Funds Sold and Securities Purchased
Under Agreement to Resell
Gross Loans Reserve for Loan Losses Unearned Income
Net Loans Direct Lease Financing Bank Premises, Furniture and Fixtures Other Real Estate Owned
All Other Assets TOTAL ASSETS

$ 652,851 550,608 748,909
1,018,028 4,273
742,056 4,236,193
(45,028) (297,719) 3,893,446
4,342 190,906 19,513 155,862 $ 7,980,794

LIABILITIES

Demand Deposits of IPC - Domestic Time and Savings Deposits of IPC - Domestic IPC Deposits in Foreign Offices
Deposits of U.S. government Deposits of SCM Certified and Officers' Checks All Other Deposits Total Deposits

$ 1,438, 120 4,850,444
13,723
620,606 48,356 18, 175 $ 6,989,424

Federal Funds Purchased and Securities Sold Under Agreement to Repurchase
Interest Bearing Demand Notes and Other Liabilities for Borrowed Money
Mortgage Indebtedness All Other Liabilities
TOTAL LIABILITIES

82,821
26,967 16,095 145,692 $ 7,260,999

Subordinated Notes and Debentures

16,759

EQU ITY CAP ITAL

Preferred Stock Common Stock Surplus Undivided Profits and Capital Reserves TOTAL EQUITY CAPITAL

695 147,161 251,274
303,906
$ 703,036

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$ 7,980,794

- 27 -

32 $100 Million
and Over
$ 3,384,208 1,142,393 552,285 2,070,355 114,363
1,652,850 9,707,010
(150 ,861 ) (354,350) 9,201,799 148,311 387,224
30,829 857,759 $ 19,542,376
$ 4,190,902 7,618,072 214,845 38,593 749,811 80,657 1,041 ,285
$ 13,934,165
3,237,656
118,004 16,409 985,714 $ 18,291 ,948
126,504
210,577
391,400 521 ,947 $ 1,123,924
$ 19,542,376

Ut~AKIMtNI Ur ~ANKINb ANU rlNANCt

STATE OF GEORGIA

COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES

OF

STATE AND NATIONAL BANKS IN GEORGIA

FOR

CALENDAR YEARS ENDING DECEMBER 31, 1982 AND DECEMBER 31, 1981

(Amount in Thousands)

Dec. 31, 1982

Dec. 31, 1981

416 Banks

426 Banks

OPERATING INCOME

Interest and Fees on Loans Interest on Balance with Banks
Interest on Fed. Funds Sold and Securities Purchased Under Agreement to Resell
Interest on U.S. Treasury Securities and Interest on Obligations of Federal Government
Interest on Obligations of SCM Interest on Other Bonds, Notes, Debentures and
Dividends on Stock Income from Direct Lease Financing Income from Fiduciary Activities Service Charges on Deposit Accounts Other Service Charges, Commissions, and Fees Other Income TOTAL OPERATING INCOME

$ 2,038,954 11 0, 300
254,972
353,482 257,006
5,096 20,065 52,145 159,321 71 ,291 69,859 $ 3,392,491

$ 1,915,489 83,344
264,162
296,544 195,983
6,477 22,314 45,971 135,517 63,243 59,937 $ 3,088,981

OPERATING EXPENSES

Salaries and Employee Benefits

$ 551,988

Interest on Time Certificates of Deposit

of $100,000 or More

330,107

Interest on Deposits in Foreign Offices

50,343

Interest on Other Deposits

1,096,047

Expenses of Federal Funds Purchased and Securities

Sold Under Agreements to Repurchase

306,437

Interest on Demand Notes and Interest on

Other Borrowed Money

16,575

Interest on Subordinated Notes and Debentures

8,872

Net Occupancy Expense of Premises, and

Furniture and Equipment Expenses

167,837

Provision for Possible Loan Loss

92,111

Other Expenses

418,662

TOTAL OPERATING EXPENSES

$ 3,038,979

$ 495,881
320,349 53,213 885,990
326,596
24,202 8,282
142,041 81 ,889 358,431 $ 2,696,874

INCOME BEFORE INCOME TAXES AND SECURITIES GAINS OR LOSSES

$ 353,512

$ 392,107

Income Taxes INCOME BEFORE SECURITIES GAINS/LOSSES

30,249 $ 323,263

72,844 $ 319,263

Securities Gains/Losses, Net INCOME BEFORE EXTRA EXPENSES

(15,690) $ 307,573

(14,509) $ 304,754

Extraordinary Income/Expenses NET INCOME

1,305 $ 308,878

1,203 $ 305,957

- 28 -

DEPAR~1ENT OF BANKING AND FINANCE

STATE OF GEORGIA

ABSTRACT STATEMENT OF EARNINGS AND EXPENSES (BY SIZE)

OF

STATE AND NATIONAL BANKS IN GEORGIA

FOR

CALENDAR YEAR ENDING DECEMBER 31, 1982

( IN THOUSANDS)

Number of Banks

64

Less Than

Size of Banks
OPERATING INCOME
Interest and Fees on Loans Interest on Balance with Banks Interest on Fed. Funds Sold and Securities
Purchased Under Agreement to Resell Interest on U.S. Treasury Securities and
Interest on Obligations of Federal Government Interest on Obligations of SCM Interest on Other Bonds, Notes, Debentures and
Dividends on Stock Income from Direct Lease Financing Income from Fiduciary Activities Service Charges on Deposit Accounts Other Service Charges, Commissions, and Fees Other Income TOTAL OPERATING INCOME
OPERATING EXPENSES
Salaries and Employee Benefits Interest on Time Certificates of Deposit
of $100,000 or More Interest on Deposits in Foreign Offices Interest on Other Deposits Expenses of Federal Funds Purchased and Securities
Sold Under Agreements to Repurchase Interest on Demand Notes and Interest on
Other Borrowed Money Interest on Subordinated Notes and Debentures Net Occupancy Expense of Premises, and
Fur~iture and Equipm~nt Expens9 Provision for Possible Loan Loss Other Expenses TOTAL OPERATING EXPENSES
INCOME BEFORE INCOME TAXES AND SECURITIES GAINS AND LOSSES
Income Taxes INCOME BEFORE SECURITIES GAINS/LOSSES
Securities Gains/Losses, Net INCOME BEFORE EXTRA EXPENSES
Extraordinary Income/Ex~e~ses NET INCOME

$10 Million
$ 29,325 1, 129
6,839
10,806 1,888
93
o o
2,769 1,276
481 $ 54,606
$ 9,426
2,533
o
26,024
38
9
79
2,455 2,045 6,334 $ 48,943
5,663 828
$ 4,835 175
$ 5,010
o
--"'-$---r""S-"0,""""10

- 29 -

139 $10 Million
to $25 Mi 11 ion
$ 175,230 5,024
31,308
55,274 17,675
142 19
o
15,522 4,546 2,466
$ 307,206
$ 45,877
22,118
o
150,754
637
254 348
12,515 9,223 31 , 126 $ 272,852
34,354 6,154 $ 28,200 (294) $ 27,906
92
$ 27,998

DEPARTMENT OF BANKING AND FINANCE

STATE OF GEORGIA

ABSTRACT STATEMENT OF EARNINGS AND EXPENSES (BY SIZE)

OF

STATE AND NATIONAL BANKS IN GEORGIA

FOR

CALENDAR YEAR ENDING DECEMBER 31, 1982

(I N THOUSANDS)

Number of Banks

181

$25 Mi 11 ion

to

Size of Banks

$100 Million

OPERATING INCOME
Interest and Fees on Loans Interest on Balance with Banks Interest on Fed. Funds Sold and Securities
Purchased Under Agreement to Resell Interest on U.S. Treasury Securities and
Interest on Obligations of Federal Government Interest on Obligations of SCM Interest on OthEr Bonds, Notes, Debentures and
Dividends on Stock Income from Direct Lease Financing Income from Fiduciary Activities Service Charges on Deposit Accounts Other Service Charges, Commissions, and Fees Other Income TOTAL OPERATING INCOME
OPERATING EXPENSES
Salaries and Employee Benefits Interest on Time Certificates of Deposit
of $100,000 or More Interest on Deposits in Foreign Offices Interest on Other Deposits Expenses of Federal Funds Purchased and Securities
Sold Under Agreements to Repurchase Interest on Demand Notes and Interest on
Other Borrowed Money Interest on Subordinated Notes and Debentures Net Occupancy Expense of Premises, and
Furniture and Equipment Expenses Provision for Possible Loan Loss Other Expenses TOTAL OPERATING EXPENSES
INCOME BEFORE INCOME TAXES AND SECURITIES GAINS OR LOSSES
Income Taxes INCOME BEFORE SECURITIES GAINS/LOSSES
Securities Gains/Losses, Net INCOME BEFORE EXTRA EXPENSES
Extraordinary Income/Expenses NET INCOME

$ 570,092 17,270
76,282
150,434 73,518
358 497 1,046 47,885 14,560 10,273 $ 962,215
$ 143,721
~2,423
434,846
9,630
3,449 1,905
42,411 25,453 96,919 $ 850,757
111,458 13,581 $ 97,877 (3,284) $ 94,593 1, 113 $ 95,706

32 $100 Million
and Over
$ 1,264,307 86,877
140,543
136,968 163,925
4,503 19,549 51 ,099 93,145 50,909 56,639 $ 2,068,464
$ 352,964
213,033 50,343 484,423
296,132
12,863 6,540
110,456 55,390 284,283 $1,866,427
202,037 9,686
$ 192,351 ( 12,287)
$ 180,064 100
$ 180, 164

- 30 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

FIRST STATE CORPORATION, Albany
First State Bank & Trust Company, Albany
State Bank of Leesburg, Leesburg

2-04-81 2-04-81 2-04-81

SOUTH BANKING COMPANY, Alma
Alma Exchange Bank & Trust, Alma
Citizens State Bank, Kingsland

11-20-80 11-20-80 11-21-80

BANK SOUTH CORPORATION, Atlanta Bank of the South, N.A., Atlanta Bank of the South, Gwinnett County, Duluth Bank of the South, Clayton County, Forest Park
Bank of the South, Cobb County, Marietta

7-01-76 7-01-76
8-01-77 11-17-77 10-28-81

COB CORP., Atlanta Citizens DeKalb Bank, Clarkston

11-07-80 11-07-80

CAPITAL BANKSHARES CORPORATION, Atlanta Capital City Bank, Hapeville

10-30-81 10-31-81

CITIZENS AND SOUTHERN GEORGIA CORPORATION, Atlanta

7-01-76

The Citizens and Southern Bank of Albany, Albany

7-01-76

The Citizens and Southern Bank of Dublin, Dublin

7-01-76

The Citizens and Southern Bank of West Georgia, LaGrange 7-01-76

The Citizens and Southern Bank Newnan, Newnan

7-01-76

The Citizens and Southern Bank of Thomaston, Thomaston 7-01-76

The Citizens and Southern National Bank, Savannah

11-03-80

CITIZENS BANCSHARES, CORP., Atlanta Citizens Trust Bank, Atlanta

7-01-76 7-01-76

FMB CORP., Atlanta
Farmers &Merchants Bank, Summerville

11-07-80 11-07-80

FIRST ATLANTA CORPORATION, Atlanta The First National Bank of Atlanta, Atlanta
The First National Bank of Dalton, Dalton First Bank of Savannah, Savannah

7-01-76 7-01-76
3-10-77 12-01-76

NBG FINANCIAL CORPORATION, Atlanta The National Bank of Georgia, Atlanta NBG Gwinnett Bank, Buford NBG Cobb Bank, Marietta NBG Clayton Bank, Riverdale

9-17-81 2-23-82 2-23-82 9-17-81 2-23-82

- 31 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPRO VED OR REG ISTEREO

ROSWELL BANCSHARES, INC., Atlanta Roswell Bank, Roswell
TGB CORP., Atlanta The Gordon Bank, Gordon
TRUST COMPANY OF GEORGIA, Atlanta The First National Bank of Albany, Albany The First National Bank of Athens, Athens Trust Company Bank, Atlanta
The First National Bank & Trust Company of Augusta,
Augusta The Commercial Bank, Bowdon The First National Bank of Brunswick, Brunswick The National Bank and Trust Company of Columbus,
Columbus Trust Company Bank of Rockdale, Conyers Trust Company Bank of Douglas County, Douglasville The First National Bank of Wayne County, Jesup Trust Company Bank of Clayton County, Jonesboro Trust Company Bank of Gwinnett County, Lawrenceville Trust Company Bank of Middle Georgia, N.A., Macon Trust Company Bank of Henry County, N.A., McDonough The First National Bank of Rome, Rome Trust Company of Georgia Bank of Savannah, N.A.,
Savannah Trust Company Bank of Cobb County, N.A., Smyrna
SOUTHERN BANCSHARES, INC., Douglas Trust Company Bank of Coffee County, Douglas The Farmers Bank, Locust Grove
FIRST RAILROAD &BANKING COMPANY OF GEORGIA, Augusta
First Georgia Bank, Atlanta Georgia Railroad Bank & Trust Company, Augusta Bank of Dalton, Dalton Commercial Bank of Cobb County, Marietta First National Bank in Newnan, Newnan
FIRST SOUTH BANKCORP, Columbus The First National Bank of Columbus, Columbus Farmers and Merchants Bank, Pine Mountain

11-07-80 11-07-80
11-07-80 11-07-80
7-01-76 4-06-77 3-16-82 7-01-76
4-27-78 3-18-80 4-06-77
4-27-78 12-19-79 10-25-79 3-13-78 12-17-76 2-26-79 4-27-78 8-28-80 4-27-78
4-27-78 9-23-76 3-26-81 3-26-81 3-26-81
7-01-76 10-12-78 7-01-76 10-25-79 10-25-79 12-21-81 7-15-80
11-08-82 * 11-08-82 *

* Incomplete on December 31, 1982

- 32 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982
HOU'ING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

PORT CITY HOLDING COMPANY, INC., Bainbridge First Port City Bank, Bainbridge
UNITED BANK CORPORATION, Barnesville Lamar State Bank, Barnesville The Crawford County Bank, Roberta The Bank of Zebulon, Zebulon
GEORGIA PEOPLES BANKSHARES, INC., Baxley
Peoples State Bank & Trust, Baxley
AMERICAN TRADING COMPANY, Brunswick State Bank of Kingsland, Kingsland
FARMERS BANCSHARES, INC., Cadwell Farmers State Bank, Cadwell
CAIRO BANCHSHARES, INC., Cairo Cairo Banking Company, Cairo
GRADY HOLDING COMPANY, Cairo First National Bank of Grady County, Cairo
P &C BANK SHARES, INC., Camilla Planters &Citizens Bank, Camilla
NORTH GEORGIA BANCSHARES, INC., Canton North Georgia Savings and Loan Association, Canton
FIRST BANKS, INC., Carnesville First Bank and Trust, Carnesville Bank of Toccoa, Toccoa
PEOPLES EQUITY SHARES, INC., Carrollton The Peoples Bank, Carrollton
SOUTHEASTERN BANCSHARES, INC., Cartersville The First National Bank of Cartersville, Cartersville
PEACHTREE BANCSHARES, INC., Chamblee Peachtree Bank and Trust Company, Chamblee Bank of Woodstock, Woodstock

8-11-81 8-11-81
11-25-81 11-25-81 11-25-81 11-25-81
6-14-82 6-14-82
7-01-76 7-01-76
7-24-79 7-24-79
4-16-82 4-16-82
6-30-78 6-30-78
12-30-80 12-30-80
2-10-82 2-10-82
4-13-81 4-13-81 4-13-81
12-05-80 12-05-80
8-14-81 8-14-81
8-08-80 8-08-80 4-19-82

- 33 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982
HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

COHUTTA BANCSHARES, INC., Chatsworth Cohutta Banking Company, Chatsworth
THE PEOPLES BANKCORP, Cleveland The Peoples Bank, Cleveland
UNION INVESTMENT CO., INC.. Colquitt Citizens Bank, Colquitt
GRUPO FINANCIERO DEL ESTADO, S.A., Bogota, Columbia, South America BANCO DEL ESTADO HOLDING COMPANY, INC., Atlanta The First National Bank of DeKa1b County, Decatur
CB&T BANCSHARES, INC., Columbus Security Bank and Trust Company of Albany, Albany Sumter Bank and Trust Company, Americus The Coastal Bank of Georgia, Brunswick Columbus Bank and Trust Company, Columbus Commercial Bank & Trust Company of Troup County, LaGrange Commercial Bank, Thomasville First State Bank and Trust Company of Valdosta, Valdosta
FIRST COMMERCE BANCORP, INC., Commerce The First National Bank of Commerce, Commerce
FLINT BANCSHARES, INC., Cordele Cordele Banking Company, Cordele
COMMUNITY BANKSHARES, INC., Cornelia Northeastern Banking Company, Commerce Cornelia Bank, Cornelia
CUMMING BANCSHARES, INC., Cumming Bank of Cumming, Cumming
DAHLONEGA BANCORP, INC., Dahlonega Bank of Dahlonega, Dahlonega

11-30-82 11-30-82 *
2-01-82 2-01-82
7-01-76 7-01-76
8-02-82 8-02-82 8-02-82
7-01-76 1-03-79 4-24-80 9-18-81 7-01-76
9-07-76 9-07-76
11-05-81
10-27-81 10-27-81
5-10-82 5-10-82
3-12-81 3-30-82 3-12-81
10-20-80 10-20-80
4-20-82 4-20-82

* Incomplete on December 31, 1982
- 34 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982
HOLDING COMPANIES AND SUBSIDIARY BANKS
NORTHWEST GEORGIA FINANCIAL CORPORATION, Dallas The Citizens Bank, Dallas
HARDWICK HOLDING COMPANY, Dalton
Hardwick Bank & Trust Company, Dalton
FIDELITY SOUTHERN CORPORATION, Decatur Fidelity National Bank, Decatur
THORNTON HOLDING COMPANY, INC., Douglasville Douglas County Bank, Douglasville
DUBLIN BANCSHARES, INC., Dublin The Morris State Bank, Dublin
MIDDLE GEORGIA CORPORATION, Ellaville Bank of Ellaville, Ellaville
NBF CORPORATION, Fitzgerald The National Bank of Fitzgerald
SOUTHEASTERN BANKING CORPORATION, Folkston Citizens Bank, Folkston
COUNTRY BANK COMPANY, Forsyth Monroe County Bank, Forsyth
CATOOSA BANCSHARES, INC., Fort Oglethorpe Fort Oglethorpe State Bank, Fort Oglethorpe
BANK CORPORATION OF GEORGIA, Fort Valley Bank of Fort Valley, Fort Valley First State Bank, Marshallville
FIRST NATIONAL BANCORP, Gainesville First Bank of Habersham, Cornelia The First National Bank of Gainesville
FIRST CITIZENS BANKSHARES, INC., Glennville First Citizens Bank, Glennville

APPROVED OR REGISTERED
3-05-82 3-05-82
9-23-80 9-23-80
12-18-79 12-18-79
12 - 17 -81 12-17-81
3-05-80 3-05-80
5-08-81 5-08-81
2-01-82 2-01-82
4-14-81 4-14-81
2-25-82 2-25-82
12-15-80 12-15-80
5-13-80 5-13-80 5-13-80
5-11-81 4-30-82 5-11-81
12-16-80 12-16-80

- 35 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982
HOLDING COMPANIES AND SUBSIDIARY BANKS
BLAKELY INVESTMENT COMPANY, Griffin COMMERCIAL BANKSHARES, INC., Griffin First Citizens Bank, Fayetteville
Commercial Bank & Trust Company, Griffin
Bank of Hampton, Hampton Commercial Bank of Pike County, Zebulon
CCB BANCSHARES, INC., Hahira Citizens Bank of Hahira, Hahira
COASTAL BANKSHARES, INC., Hinesville The Coastal Bank, Hinesville
FIRST HOGANSVILLE BANKSHARES, INC., Hogansville The Citizens Bank, Hogansville
BANKS COUNTY FINANCIAL CORPORATION, Homer Bank of Banks County, Homer
PICKENS COUNTY BANCSHARES, INC., Jasper Pickens County Bank, Jasper
NORTHWEST GEORGIA BANKSHARES, INC., LaFayette Walker County Bank, LaFayette
FIRST GWINNETT BANCSHARES, INC., Lawrenceville The First National Bank of Gwinnett County, Lawrenceville
PERSONS BANKING COMPANY, INC., Lithonia The Farmers Bank, Forsyth The Peoples Bank, Lithonia The Bank of Perry, Perry
SOUTH GEORGIA BANKSHARES CORP., Lyons The Peoples Bank of Lyons, Georgia, Lyons
GEORGIA STATE BANCSHARES, INC., Mableton Georgia State Bank, Mableton

APPROVED OR REGISTERED
7-23-79 8-08-78 9-09-81 8-08-78 10-22-79 8-08-78
12-15-82 12-15-82 *
7-07-82 7-07-82
9-23-82 9-23-82 *
3-24-82 3-24-82
12-08-82 12-08-82 *
12-16-81 12-16-81
11-17-80
11-17-80
8-22-80 8-22-80 8-22-80 3-31-81
12-17-80 12-17-80
1-19-82 1-19-82

* Incomplete on December 31, 1982
- 36 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

GEORGIA BANCSHARES, INC., Macon Georgia Bank and Trust Company, Macon The Farmers National Bank of Monticello, Monticello First National Bank of Houston County, Perry
. N.C.B. CORPORATION, Mansfield Newton County Bank, Mansfield
CSL FINANCIAL CORPORATION, Marietta Cobb Savings and Loan Association (proposed)
FIRST CITY BANCORP, INC., Marietta The First National Bank of Cobb County, Marietta
J. L. PILCHER AND SONS, INC., Meigs Bank of Meigs, Meigs
CENTRAL AND SOUTHERN HOLDING COMPANY, Milledgeville The Citizens and Southern Bank of Milledgeville, Milledgeville
NBWC CORPORATION, Monroe The National Bank of Walton County, Monroe
FIRST UNITED BANCSHARES, INC., Montezuma First United Bank, Montezuma
ABC HOLDING COMPANY, Moultrie American Banking Company, Moultrie
SOUTHWEST GEORGIA FINANCIAL CORPORATION, Moultrie Moultrie National Bank, Moultrie
FSB BANCORP, INC., Peachtree City The Fayette State Bank, Peachtree City
PINEVIEW BANCSHARES, INC., Pineview Pineview State Bank, Pineview

9-28-78 9-28-78 1-13-81 12-19-79
3-09-82 3-09-82
3-24-82
3-24-82 *
12-02-80 12-02-80
7-01-76 7-01-76
3-06-81
3-06-81
9-23-82
9':23-82 *
11-09-82
11-09-82 *
3-23-81 3-23-81
11-18-80 11-18-80
8-08-80 8-08-80
10-06-81 10-06-81

* Incomplete on December 31, 1982

- 37 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982
HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

QUITMAN BANCSHARES, INC., Quitman Bank of Quitman, Quitman
ATLANTIC BANCORP, INC., Savannah Atlantic Bank and Trust Company, Savannah
SBT CORPORATION, Savannah Central Bank of Georgia, Macon Savannah Bank and Trust Company of Savannah, Savannah Bank of Screven County, Sylvania First National Bank of Valdosta, Valdosta First National Bank and Trust Company, Vidalia Commercial Bank, Waycross
SOUTHERN BANK HOLDING COMPANY, Savannah Southern Bank and Trust Company, Savannah
FULTON BANCSHARES, INC., Snellville Heritage Bank, Alpharetta
GWINNETT HOLDING CORPORATION, Snellville Heritage Bank of Gwinnett County, Snellville
SOPERTON NAVAL STORES, INC., Soperton The Bank of Soperton, Soperton
FIRST BULLOCH BANKING CORPORATION, Statesboro
First Bulloch Bank & Trust Company, Statesboro
CENTRAL BANKING COMPANY, Swainsboro The Central Bank, Swainsboro
WEST GEORGIA FINANCIAL CORPORATION, Tallapoosa West Georgia Bank of Tallapoosa, Tallapoosa
CARROLL COUNTY FINANCIAL CORPORATION, Temple Bank of Carroll County, Temple

7-13-81 7-13-81
3-23-82 3-23-82
1-31-78
12-06-82 *
1-31-78 10-18-78 12-29-80 5-23-80 1-10-80
6-09-77 6-09-77
2-10-82 2-10-82
12-16-80 12-16-80
7-01-76 7-01-76
2-08-82 2-08-82
10-07-81 10-07-81
10-12-78 10-12-78
10-22-79 10-22-79

* Incomplete on December 31, 1982 - 38 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1982
HOLDING COMPANIES AND SUBSIDIARY BANKS
WCG BANCSHARES, INC., Thomaston West Central Georgia Bank, Thomaston
FIRST COMMUNITY BANCSHARES OF TIFTON, INC., Tifton The Farmers Bank of Tifton, Tifton
TRI-STATES BANKSHARES, INC., Trenton Bank of Dade, Trenton
ALTAMAHA BANCSHARES, INC., Uvalda Altamaha Bank and Trust Company, Uvalda
PAB BANKSHARES, INC., Valdosta The Park Avenue Bank, Valdosta
SOUTHERN BANCORP, INC., Waycross The Exchange Bank, Douglas Southern Bank, Waycross
ATKINSON COUNTY BANKSHARES CORPORATION, Willacoochee The Peoples Bank, Willacoochee

APPROVED OR REGISTERED
12-10-82 12-10-82
5-10-82 5-10-82
4-27-82 4-27-82
11-30-80 11-30-80
8-02-82 8-02-82 *
10-21-81 7-28-82 10-21-81
9-18-80 9-18-80

* Incomplete on December 31, 1982
- 39 -

ATLANTA INTERNATIONAL BANK AGENCIES

NAME OF AGENCY

LICENSE NO.

DATE ISSUED

TOTAL RENEWED GEORGIA ASSETS

Barclays Bank International Limited (Un ited Kingdom)

The Bank of Nova Scotia

2

(Canada)

Algemene Bank Nederland, N.V.

3

(Netherlands)

Swiss Bank Corporation

4

(Switzerland)

Canadian Imperial Bank of Commerce 5 (Canada)

Commerzbank Aktiengellschaft

6

(Federal Republic of Germany)

Credit Suisse

7

(Swit zer 1and)

The Toronto-Dominion Bank

8

(Canada)

Lloyds Bank International Limited 9 (England)

Kredietbank, N.V.

10

(Belgium)

Credit Lyonnais

11

(France)

Bayerische Vereinsbank AG

12

(Union Bank of Bavaria)

(West Germany)

Standard Chartered Bank Public

Limited Company

13

(England)

Banca Nazionale del Lavoro

14

(Italy)

6-11-76 6-11-82 $ 86,316

5-27-77 5-27-82

222,588

6-24-77 6-24-82

168,810

7-14-77 7-14-82

96,342

4-05-78 4-05-82

366,036

10-31-78 10-31-82

61,636

11-27-78 11-27-82 2-23-79 2-23-82

*
956,348

4-13-79 4-13-82

29,256

3-20-80 3-20-82

*

11-06-80 11-06-82

*

12-01-80 12-01-82

139,897

10-19-81 10-19-82 2-09-82 2-09-83

22,015 250,814

* Operating as Representative Office ONLY on December 31, 1982 ** Amounts are in thousands

- 40 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

PARENT BANK &ADDRESS

INTERNATIONAL BANK FACILITY PERMIT

LOCATION OF FACILITY

PERMIT NO. ISSUED

RENEWED

The Citizens and Southern National Bank
35 Broad Street, N.W. Atlanta, Georgia 30303

35 Broad Street, N.W. Atlanta, Georgia 30303

National Bank of Georgia

34 Peachtree Street, N.W.

34 Peachtree Street, N.W. Atlanta, Georgia 30303

Atlanta, Georgia 30303

First National Bank

Two Peachtree Street, N.W.

of Atlanta

Atlanta, Georgia 30303

Two Peachtree Street, N.W.

Atlanta, Georgia 30303

Trust Company Bank
25 Park Place, N.E. Atlanta, Georgia 30302

25 Park Place, N.E. Atlanta, Georgia 30302

Bayerische Vereinsbank AG (Union Bank of Bavaria)
Munich, Germany

230 Peachtree Street, N.W. Suite 600 Atlanta, Georgia 30303

Chase Bank International Newark, Delaware

5775-F Peachtree -Dunwoody Road
Atlanta, Georgia 30342

12-22-81 12-22-82 2 1-06-82 3 1-26-82 4 2-02-82 5 5-03-82
6

ATLANTA REPRESENTATIVE OFFICES OF INTERNATIONAL BANKS

NAME OF PARENT BANK

LOCA nON

Banco do Brasil S.A. The Bank of Tokyo, Ltd.

Brazil Japan

- 41 -

SUMMARY OF ACTIVITIES OF BANKS - Continued
REPRESENTATIVE OFFICES OF DOMESTIC BANKS
NAME AND ADDRESS OF PARENT BANK
Bank of America NT &SA
San Francisco, California
Columbus Bank and Trust Company, Columbus, Georgia, d/b/a The Georgia Company . . . . .
Bankers Trust Company New York, New York
The First National Bank of Eoston Boston, Massachusetts . . . .
Commonwealth Savings Association Houston, Texas . . .
The National Bank of Georgia Atlanta, Georgia
Continental Illinois National Bank and Trust Company of Chicago Chicago, Illinois.. . . . . .
The First National Bank of Chicago Chicago, Illinois
Security Pacific National Bank Los Angeles, California . .

OFFICE LOCATION
Atlanta
Savannah
Atlanta Atlanta Atlanta Savannah
Atlanta Atlanta Atlanta

MISCELLANEOUS SUPERVISED INSTITUTIONS

Business Development Corporation of Georgia

Atlanta

Bank-owned Cooperative Data Centers: *
First Financial Management Corp. Financial Data Services, Inc. . . Financial computer Services, Inc.

Atlanta Carrollton
Commerce

* Does not include departments at d wholly-owned subsidiaries of major
corrEspondent banks which may perform data processing services for
others.

- 42 -

SUMMARY OF ACTIVITIES OF CREDIT UNIONS

CREDIT UNION CHARTER APPLICATIONS APPROVED

NAME OF CREDIT UNION
Hapeville Auto Employees Credit Union North Georgia Credit Union South Georgia Area Public Employees Credit Union

LOCATION
Hapevi 11 e Toccoa Valdosta

APPROVED
7-08-82 3-25-82 7-15-82

APPLICATIONS FOR VOLUNTARY LIQUIDATIONS AND/OR MERGERS

NAME OF CREDIT UNION

LOCATION

ACTI VITY

APPROVED

Carlton Credit Union
Mr. Friendly Credit Union
WASE Credit Union
CITISCO Credit Association
West Central Ga. Educators' Credit Association
Savannah Transit Credit Union
Vermont American Employees' Credit Union

A1 bany Atlanta East Point Gainesville LaGrange
Savannah Toccoa

Merger Liquidation Liquidation Liquidation Merger
Merger Merger

7-14-82 11-15-82 1-27-82 4-21-82 7-16-82
9-02-82 9-20-82

COMPLETED
12-28-82 12-28-82 5-19-82 8-30-82 10-07-82
9-17-82 10-04-82

SUMMARY OF ADDITIONS AND DELETIONS DURING 1982

STATE-CHARTERED CREDIT UNIONS

IN OPERATION JANUARY 1, 1982 .

176

CREDIT UNIONS OPENING DURING YEAR .

+3

CREDIT UNIONS DELETED BY MERGERS AND LIQUIDATIONS .

-7

TOTAL ACTIVE CREDIT UNIONS IN OPERATION DECEMBER 31', 1982

172

- 43 -

RECEIVERSHIP LIQUIDATIONS

NAME OF CREDIT UNION
Augusta Plant, TRW United Greenfield Divisions Employees' Credit Union Unpaid Claims. . . . . Liquidation Expenses Payable . Estimated Value of Remaining Assets

LOCATION Augusta

Marion Manufacturing Credit Union Unpaid Claims. . . . . Liquidating Expenses Payable. . Estimated Value of Remaining Assets

Atl anta

SAV Employees' Credit Union Unpaid Claims. . . . Liquidation Fees Payable . . Estimated Value of Remaining Assets

Atlanta

TEXACOTE Credit Union Unpaid Claims. Liquidation Expense Payable . . Estimated Value of Remaining Assets

Dalton

DOl Employees' Credit Union
Unpaid Claims. . . . Liquidation Expense Payable . Estimated Value of Remaining Assets

Dalton

CLOSED 3-09-79
5-15-81 9-23-76 3-05-80 7-29-80

RECEIVER OR DEPUTY RECEIVER
GCUDIC
$18,719.88 1,398.93 12,286.96
GCUDIC $19,435.08
938.82 15,313.89
GCUDIC $23,657.64
407.72 1,833.29
GCUDIC $ 510.00
1,074.93 5,708.05
GCUDIC $ 320.06
839.78 8,603.48

- 44 -

CITY
Albany Albany Albany Albany Americus Athens Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta ~ Atlanta U1 Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

COUNTY
Dougherty Dougherty Dougherty Dougherty Sumter Clarke Clarke Clarke Clarke Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Cobb DeKa 1b Fulton Fulton Cobb Cobb

**AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Albany Federal Employees Good Life Keenan Phoebe Putney Employees' Sumter County Teachers AGH Employees' Athens Division Dairy-Pak Athens Educators' A D Co. Employees Amarlite Employees American Freight System Employees AMILSCO ARMCO Associated Atlanta City Employees Atlanta Coca-Cola Bottling Co. Employees' Atlanta Cooperative Credit Association Atlanta Postal Atlanta Railway Postal Clerks Atlanta Teachers Atlantic Steel Chevron Southern DayCo Delta Employees DuPont Atlanta Employees I Employes, Swift and Company The Federal Employees

CHARTER DATE
12-14-33 12-08-80 12-29-36 5-15-74 4-04-36 10-28-75 3-07-29 3-25-57 5-18-59 4-10-53 9-10-80 11-07-80 2-24-60 3-17-48 1-23-56 8-30-28 5-04-73 2-02-39 11-03-25 3-15-28 11-26-26 11-26-26 11-23-33 10-31-75 3-08-40 8-12-49 4-27-33 3-31-30

TOTAL ASSETS**
2,282 107 732 363 177 104 850 203 240 416 130
10,635 32 84
9,783 5,270 3,694
210 86,952 6,023 10,700 5,325 1,260 1,086 170,560
292 163 50,337

CITY

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

+>0 0'1

Atlanta Atlanta

Atlanta

Atlanta

Atlanta

Atl anta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atl anta

COUNTY
Fulton Fulton DeKal b DeKalb Fulton Fulton Fulton Fulton Cobb Fulton Fulton DeKalb Fulton Cobb Fulton Fulton Fulton Fulton Fulton DeKa 1b Fulton Fulton DeKalb Fulton Fulton Fulton Fulton Fulton Fulton Fulton

**AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
G. H. E. Employees GPC GTA Georgia Central Georgia Department of Human Resources Georgia Department of Public Safety Georgia DOT Georgia E.S.A. Georgia International Georgia State Department of Education Georgia Telco Gulf Oil Employees H MB Employees John J. Harte Associates Hospital Authority Employees IBEW Local 613 Journal-Constitution Employees Mead Packaging Employees' Munford Employees Mutual Savings Piedmont Hospital Presbyterian Center Reliance Rich's Employees Ruralist Employees S. M. C. R. C. Sewell Employees Southern Freight Bureau Employees State Employees The Thrift

CHARTER DATE
8-21-80 6-10-74 10-01-75 5-01-36 7-30-51 6-22-70 11-19-51 1-05-40 12-10-62 3-15-54 12-06-43 10-07-41 1-11-73 3-28-74 5-15-46 7-21-80 4-30-28 4-30-28 6-14-73 12-23-33 3-29-74 11-26-56 1-23-78 3-04-38 8-06-47 1-10-39 1-14-75 11-19-35 11-14-61 10-24-28

TOTAL ASSETS**
1,934 460
1,786 157,213
3,400 1,654 6,489 2,432
485 5,420 142,854
971 619 39 2,381 1,360 3,707 2,724 468 9,062 563 133 6,611 11 ,430 237 292 500 446 9,227 6,382

CITY

Atlanta Atlanta Atlanta Atlanta

Attapulgus

Augusta

Augusta

Augusta

Bainbridge

Baldwin

Brunswick

Calhoun

Calhoun

Cartersvi 11 e

.~ .......

Chamblee Chatsworth

College Park

Columbus

Columbus

Columbus

Columbus

Columbus

Columbus

Columbus

Columbus

Columbus

COUNTY
Fulton Fulton Fulton Fu 1ton
Decatur Richmond Richmond Richmond Decatur Banks Glynn Gordon Gordon Bartow DeKalb Murray Fulton Muscogee Muscogee Muscogee Muscogee Muscogee Muscogee Muscogee Muscogee Muscogee

**AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
United Family Employees USSAC White Columns Williams Bros. Employees' Savings and
Credit Association Attapulgus Employees Health Center
King Mill Savings &Credit Association
Richmond County Health Department Employees Amoco Fabrics Company Credit Association Fieldale Glynn County Federal Employees Calhoun-Gordon County Educators' Crown Crafts, Inc. Employees Stratton Industries Credit Association Lay Employees Savings and Loan Cumberland Credit Association Associated Grocers W. C. Bradley Employees' Credit Association "CPC" Columbus Coca-Cola Employees
Columbus Health &Hospital
Columbus Postal Columbus Regional Hospital Gas Light Employees Swift Tom's Credit Association

CHARTER DATE
8-07-56 3-24-33 6-11-64 9-20-78
11-05-81 1-16-76 6-20-57 12-20-52 1-31-75 10-10-80 4-03-53 1-14-75 6-11-76 10-20-81 9-04-51 10-02-81 6-29-32 9-30-75 2-15-73 10-06-48 11-25-53 1-07-27 7-18-75 11-12-57 2-26-65 11-03-81

TOTAL ASSETS**
339 768 434 858
109 1,252 1,920
260 175 693 3,447 132 159 137 1,765 86 1,001 160 18
72
786 7,902
71
241 1,064
133

CITY

Cordele

Cornelia

Cornelia

Cuthbert

Dalton

Dalton

Dalton

Decatur

Decatur

Decatur

Decatur

Decatur

Doravi 11 e

Doraville

Douglas

Dry Branch

~
ex>

Dublin

East Point

East Point

East Point

East Point

Eastman

Fitzgerald

Forest Park

Fort McPherson

Gai nesvi 11 e

Gordon

Griffin

COUNTY
Crisp Habersham Habersham Randolph Whitfield Whitfield Whitfield DeKalb DeKalb DeKalb DeKalb DeKalb DeKa 1b Gwinnett Coffee Bibb Laurens Fulton Fulton Fulton Fulton Dodge Ben Hi 11 Clayton Fulton Hall Wil ki nson Spalding

**AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Harris Employees Ethicon Statco Day Company Inc., Employees N. G. E. M. C. Tappan Employees Whitfield County Postal Employees Decatur Employees' Decatur Postal Employees Decatur Teachers Kraft Employees The Woodco
F. D. &L. Employees
Gaylord Employees' Coffee General Hospital Employees Georgia Kaolin Employees Dublin Federal Employees Colonial Stores Employees East Point Municipal Employees Fulton Teachers Perry Communications Stuckey's Employees' Association P. H. P. Credit Association Sexton Atlanta Employees Fort McPherson HCH Employees' Freeport Kaolin Employees I
Launderers &Cleaners

CHARTER DATE
5-19-47 1-30-79 1-18-65 6-10-81 8-27-52 5-06-80 3-02-51 12-31-79 10-30-51 11-16-55 5-29-34 6-17-53 6-03-45 2-14-55 3-03-72 1-08-51 1-16-51 8-13-29 3-06-41 11-02-30 8-27-62 10-04-60 4-05-76 1-12-45 7-23-48 10-15-74 5-15-79 3-09-72

TOTAL ASSETS**
300 725 507 15 327 55 383 52 1,271 367 3,998 150 858 183 90 469 774 7,79] 397 4,851 307 87 489 79 5,148 299 293 1,429

CITY

Hapeville
Hapevi 11 e Hazlehurst Hazlehurst

Helen

Jackson

Jonesboro

Jonesboro

LaFayette

Macon

Macon

Macon

Macon

Macon

c~o

Macon Macon

Macon

Macon

Macon

Marietta

Mari etta

McIntyre

Milledgeville

Milledgeville

Monroe

Montezuma

Moultri e

Nashville

COUNTY
Fulton Fulton Jeff Davi s Jeff Davis
White Butts Clayton C1 ayton Walker Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Cobb Cobb Wilkinson Baldwin Baldwin Walton Macon Colquitt Berrien

LIST OF STATE CREDIT UNION
NAME OF CREDIT UNION
Hapeville Auto Employees Hapeville Employees' Hand S Employees Credit Association Patchogue-Plymouth Employees Credit
Association
Orbit Savings &Credit Association
CGEMC Employees C. C. B. E. Employees
Clayton Cities &County Employees
Roper LaFayette Employees' City Employees Concrete Federal Employees Georgia Kraft Employees Macon Firemen's Macon Police Macon Water Works Medical Center of Central Georgia
The Proctor &Gamble Macon Employees
Smith and Sons Employees C-MAR Kennestone Regional Engelhard Employees' Baldwin County Hospital Employees Central State Hospital Champion Employees' Credit Association Southern Frozen Employees Employees Credit Union, c/o New Sipco, Inc. Nashville Mills Emp10yeesAssociation

*CONVERTED FROM FEDERAL TO STATE CHARTER **AMOUNTS IN THOUSANDS

CHARTER DATE
7-09-82* 3-29-79 8-02-72 8-15-68
9-27-77 9-09-53 12-30-57 1-05-71 3-29-74 2-28-51 4-02-80 2-01-26 1-31-49 4-18-42 10-02-50 7-11-50 12-01-71 3-12-46 6-07-73 10-29-64 6-10-81 3-04-80 1-06-58 8-28-52 8-19-77 11-22-72 4-24-33 11-21-72

TOTAL ASSETS**
3,100 316 120
1 ,477
203 198 1,827 1,093 153 253 105 2,052 3,261 240 323 145 1,350 596 253 3,401 1,038 109 497 6,830 342 252 123 730

CITY

Norcross

Norcross

Pine Mountain

Ringgold

Rome

Rome

Rome

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

<..T1 0

Savannah

Sea Island

Statesboro

Tall apoosa

Thomasvi 11 e

Thomasvi 11 e

Toccoa

Toccoa

Tucker

Valdosta

Valdosta

Valdosta

Vidalia

Warner Robins

Warner Robi ns

Wrens

COUNTY
Gwinnett Gwinnett Harris Catoosa Floyd Floyd Floyd Chatham Chatham Chatham Chatham Chatham Chatham Chatham Chatham Chatham Chatham Glynn Bull och Haralson Thomas Thomas Stephens Stephens DeKalb Lowndes Lowndes Lowndes Toombs Houston Houston Jefferson

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Genuine Parts Rock-Tenn Company Employees Callaway Gardens Salem Carpet Mills Floyd County Postal Employees Northwest Georgia Teachers Rome Kraft Employees Family Lines Credit Union of Savannah G. P. A. Health Employees Chatham County Savannah Electric and Power Employees Savannah Federal Savannah J-Mers Savannah Postal Savannah Regional Hospital Southern States Employees Workmen's Circle Sea Island Employees Bulloch County School Employees Dixisteel Davis Employees Credit Association Flowers Employees Credit League North Georgia Wright Manufacturing Employees Doctors Hospital Employees South Georgia Area Public Employees Valdosta Educators Valdosta Onized Oxford Employees Christian Churches Warner Robins Employees Georgia-Tennessee Mining and Chemical
Employees

*CONVERTED FROM FEDERAL TO STATE CHARTER **AMOUNTS IN THOUSANDS

CHARTER DATE
1-25-37 7-30-74 7-26-77 7-06-73 4-17-26 11-25-81 3-31-55 12-29-28 11-17-52 8-01-55 4-11-39 6-10-31 9-18-64 6-23-52 4-17-72 12-03-70 2-06-50 5-27-80 6-21-74 4-13-62 10-13-70 11-17-71 3-29-82* 11-18-63 7-29-74 7-19-82 11-28-72 7-30-54 12-09-76 4-28-80 10-09-69 3-31-70

TOTAL ASSETS**
598 458 371 402 SOl 4,536 4,694 2,700 1,304 730 1,549 500 275 1,987 344 111 1,294 2,627 726 541 238 3,699 3,026 1,496 265 109 538 4,752 601 215 477 33

ABSTRACT OF REPORTS OF CONDITION STATE-CHARTERED CREDIT UNIONS AS OF DECEMBER 31, 1982 WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1981
(Amounts in thousands)

\SSETS
:ash on hand and in banks ;hares, deposits, certif.
in other financial institutions J.S. Government Obligations )ther Investments .oans rthe r As sets
TOTAL ASSETS

DEC. 31 1982
$ 11 ,357
251,202 89,655 19,593 492,030 13,215 $877 ,052

%*
1.3
28.7 10.2 2.2 56.1 1.5 100.0

DEC. 31 1981
$ 7,164
127,124 38,895 32,099 460,020 11 ,586 $676,888

%*
1.1
18.8 5.7 4.7 68.0 1.7 100.0

AMOUNT Increase+
Decrease-

AMOUNT Increase+ Decrease-

$ 4,193+
124,078+ 50,760+ 12,50632,010+ 1,629+ $200,164+

58.5+
97.6+ 130.5+ 39.0-
7.0+ 14.1+ 29.6+

_lABILITIES
~ember savings deposits, and certifi cates
~ccounts Payable and other liabilities
~otes Payable
TOTAL LIABILITIES

$803,209
8,185 22,560 $833,954

91. 6 $624,127

0.9

7,805

2.6

10,471

95.1 $642,403

92.2 1.2 . 1.5 94.9

$179,082+
380+ 12,089+ $191,551+

28.7+
4.9+ 115.5+ 29.8+

CAPITAL
Reserves Undivided Earnings
TOTAL CAPITAL
TOTAL LIABILITIES &CAPITAL

$ 27,462 15,636
$ 43,098
$877,052

3. 1 1.8 4.9
100.0

$ 22,916 11 ,569
$ 34,485
$676,888

3.4 1.7 5.1
100.0

$ 4,546+ 4,067+
$ 8,613+
$200,164+

19.8+ 35.2+ 25.0+
29.6+

* Percent of Total Assets

- 51 -

ABSTRACT OF STATEMENT OF INCOME AND EXPENSE OF STATE-CHARTERED CREDIT UNIONS AS OF DECEMBER 31, 1982
(Amounts in thousands)

Calendar

Calendar

AMOUNT

PERCENT

Year Ending

Year Ending

Increase+ Increase,

12-31-82

%*

12-31-81

%* Decrease- Decrease-

INCOME
Interest on Loans Income from Investments Other Income
TOTAL INCOME

$ 64,050 34,704 1,458
$100,212

63.9 $ 58,918

34.6 21,431

1. 5

892

100 . 0 $ 81,241

72.5 $ 5,132+

26.4 13,273+

1. 1

566+

100.0 $18,971+

8.7+ 61.9+ 63.5+
23.4+

EXPENSES
Employee Comp &Benefits
Office Operations Interest on borrowed money Miscellaneous
TOTAL EXPENSES
NET OPERATING INCOME

$ 8,454 3,660 1,559 6,554
. $ 20,227
$ 79,985

8.4 $ 7,382

3.7

2,901

1.6

1,487

6.5

6,339

20.2 $ 18,109

79.8 $ 63,132

To Div/Int on shares &
Deposits

$ 69,747

69.6 $ 57,914

* Percent of Total Income

9. 1 $ 1,072+

3.6

759+

1.8

72+

7.8

215+

22.3 $ 2,118+

77.7 $16,853+

14.5+ 26.2+ 4.8+ 3.4+
11.7+
26.7+

71.3 $11 ,833+

20.4+

- 52 -

CITY Canton
Marietta

LIST OF STATE-CHARTERED SAVINGS AND LOAN ASSOCIATIONS

COUNTY Cherokee
Cobb

NAME OF SAVINGS &LOANS
North Georgia Savings and Loan Association, Inc.
Cobb Savings and Loan Association

CHARTER DATE
3-29-79
6-29-81

REPORT OF CONDITION OF STATE SAVINGS AND LOAN ASSOCIATIONS
AS OF DECEMBER 31, 1982

TOTAL ASSETS** $17,223
3,038

ASSETS
Cash Loans Other Investments Fixed Assets (net) Other Assets
TOTAL ASSETS

LIABILITIES
Regular Installments Paid on Shares Loans in Process Other Liabilities
TOTAL LIABILITIES
CAPITAL
Common Stock Paid-in Surplus Reserves Surplus and Undivided Earnings
TOTAL CAPITAL
TOTAL LIABILITIES &CAPITAL

**AMOUNTS IN THOUSANDS

- 53 -

$ 1,507 13,695 3,097 1 ,263
699 $20,261
$16,641 855 75
$17,571
$ 650 1 ,850
o
190 $ 2,690 $20,261

ABSTRACT OF STATEMENT OF INCOME AND EXPENSE OF STATE-CHARTERED SAVINGS AND LOAN ASSOCIATIONS AS OF DECEMBER 31, 1982 (Amounts in Thousands)

OPERATING INCOME Interest and Fees on Loans
Interest on Investments &Deposits
Other Income TOTAL OPERATING INCOME
OPERATING EXPENSES Salaries and Employees Benefits Interest Expense Occupancy Expense Other Operating Expenses
TOTAL OPERATING EXPENSES
INCOME BEFORE INCOME TAXES AND SECURITIES GAINS OR LOSSES
Income Taxes Securities Gains/Losses, Net NET INCOME

Calendar Year Ending
12-31-82
$ 1 ,588
466
20 $ 2,074
$ 246 1 ,422 100 171
$ 1 ,939
$ 135
3
(1)
$ 131

- 54 -

FIRMS LICENSED BY THE COMMISSIONER UNDER THE GEORGIA SALE OF CHECK ACT,
APPROVED MARCH 2, 1965

(Chapter 7-1-680-692, Financial Institutions Code of Georgia)

Name and Location
American Express Company. American Express Plaza New York, NY 10004

Total Number of Georgia Agents
609

Associates Financial Express, Inc.

214

P. O. Box 220097

Dallas, TX 75222

BA Cheque Corporation &

232

BankAmerican Corporation

One Powell Street

San Francisco, CA 94102

Barc1ays Bank International Ltd.

o

200 Park Avenue

New York, NY 10017

The Chase Manhattan Corp.

335

One Chase Manhattan Plaza

New York, NY 10081

Citicorp &Citicorp Service, Inc . .

272

399 Park Avenue

New York, NY 10043

- 55 -

Name and Location

SALE OF CHECK COMPANIES - Continued

First Chicago Cheque Corporation. P. O. Box 8289 Chicago, IL 60680

Munford, Inc. P. O. Box 7701, Station C Atlanta, GA 30309

National Money Orders, Inc. 3200 Travis Street Houston, TX 77006

Republic Money Orders, Inc.

.

1700 Republic National Bank Building

Dallas, TX 75201

Societe Francaise du Cheque de Voyage
c/o American Express Company American Express Plaza New York, NY 10004

Thomas Cook, Inc. . 11 West 42nd Street New York, NY 10036

Travelers Express Company, Inc. 5075 Wayzata Boulevard Minneapolis, MN 55416

Travellers Cheque Associates Ltd. c/o American Express Company American Express Plaza New York, NY 10004
- 56 -

Total Number of Georg ia Agents
10 213 26 437
8
26 659 39

GEORGIA CREDIT UNION DEPOSIT INSURANCE CORPORATION STATEMENT OF ASSETS AND LIABILITIES

ASSETS Cash in Bank . . . . . . . . . . . . . . . Investments - Certificates of Deposits, etc. Due from Members . . . . . . . . . . Due from Credit Union in Liquidation Fixed Assets Other Assets
TOTAL ASSETS

12-31-82
$ 46,163 3,082,265
650,278 21,418 9,865 9,399 $3,819,388

LIABILITIES, RESERVES, CAPITAL Miscellaneous Accounts Payable . . . . Reserve against Insurance Liabilities Capital - Members' Paid-in Fees . .
TOTAL LIABILITIES, RESERVES, CAPITAL

$ 3,824 2,051,316 1,764,248 $3,819,388

12-31-81
$ 55,056 2,228,868 7,585 27,605 5,200 28,172 $2,352,486
$ 8,798 1,558,263 785,425 $2,352,486

- 57 -