Sixty-fourth annual report, 1983

1983 Sixty-Fourth Annual Report
Department of Banking and Finance
State of Georgia
by
Commissioner

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ATLANTA
SIXTY-FOURTH ANNUAL REPORT
YEAR ENDING DECEMBER 31, 1983
***
E. D. "JACK" DUNN Commissioner
ROBERT M. MOLER Deputy Commissioner
***

TABLE OF CONTENTS

Hi story 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.

10

Summary of Additions and Deletions - Banks and Bank Offices .

11

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

Bank Offices/Facilities

.

16

Abstract of Reports of Condition - Banks.

28

Comparative Statement of Earnings and Expenses - Banks.

31

Registered Bank Holding Companies and Subsidiary Banks.

34

Bank Holding Companies Deregistered/Dissolved .

44

International Bank Agencies, Banking Facilities and

Representative Offices

.

45

Summary of Activities of Credit Unions

49

Receiverships

.

50

List of State-Chartered Credit Unions and Total Assets . .

51

Abstract of Reports of Condition - Credit Unions . . .

57

Abstract of Statement of Income and Expenses - Credit Unions.

58

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

59

Report of Condition - State-Chartered Savings and Loan Associations

60

Income and Expense - State-Chartered Savings and Loan Associations

61

Firms Licensed by Commissioner - Sale of Checks Act

62

Georgia Credit Union Deposit Insurance Corporation.

64

HISTORY OF THE DEPARTMENT

1919

1983

The Department of Banking and
Finance was created by the Ex-
ecutive Reorganization Plan of
1972 as successor to the Department of Banking. The original De-
partment of Banking was created by
Act of the Legislature in 1919 concurrent 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 Superinten-
dent of Banks and transferred to the Department the supervision of State-chartered building and loan associations. All of the foregoing Acts were subject to sub-
stantial recodification in the form of the Financial Institutions Code of Georgia (1974) which became effective April 1, 1975. Provisions of Title 7 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 super-
vision. 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 1983

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 332 State-chartered banks, 59 National banks, 168 State-chartered credit unions, 3 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 Banking and Finance. The purpose of this 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 institut ions who mi ght be engaged in economi c stud i es or mi ght otherwi se be
interested.

BANKING DIV ISION

The year-end call reports reflect a continuation of sound economic growth in the banking system. Total assets for the 391 National and State-chartered banks amounted to $34,382,407,000 reflecting an increase of $4,018,920,000
or 13.2% over 1982 assets.

Expansion of State-chartered banks through bank offices
and facilities continued with an additional 39 banking
offices opened during 1983 and 36 offices closed or merged into National banks, bringing the total of such offices to 453. Twenty-two banks were lost through mergers, assumptions, or conversions in 1983.

During 1983 the Department approved 65 applications by
bank holding companies for permission to acquire controlling interest in additional Georgia banks and/or bank holding companies. Thirty-nine of these applications were
approved to establish new bank holding companies.

Fifteen international bank agencies and four 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 depository financial institut ions exerc i se 1imited trust powers in connect i on with individual retirement accounts authorized by the Employee Retirement Income Security Act of 1976 enacted by
Congress.

- ii -

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1983 (Continued)

BANKING DIVISION (Continued)
THRIFT INS TI TUTI ONS DIVISION
SALE OF CHECKS ACT OTHER INSTITUTIONS

Articles of Amendment of Articles of Incorporation were approved for six banks to increase their outstanding capital stock. The Department approved ten Articles of Amendment creating authorized but unissued shares to be issued in the future. Twenty bank s were granted permission to issue authorized but unissued shares through stock dividends or sales. Amendments were approved for five banks to change the par value of their shares, for nine banks to change their names and for four banks to acquire trust powers. Permission was granted for two banks to issue subordinated securities. Twenty-five applications were approved giving consent for banks to retire subordinated securities.
Credit Unions operating under State charter have experienced steady growth during 1983. Consolidated financial and statistical reports of the 168 State-chartered credit unions reflect an increase in total assets of $244,697,000 or 27.9% to a total of $1,121,749,000. All State-chartered credit unions provide their members with deposit protection through the National Credit Union Administration or The Georgia Credit Union Deposit Insurance Corporation.
Total assets of State-chartered savings and loan associations as of December 31, 1983, were $42,889,000. The deposits of the State-chartered savings and loan associations are insured by The Georgia Credit Union Deposit Insurance Corporation.
At year-end The Georgia Credit Uni on Depos it Insurance Corporation had total resources of $4,852,487 and insured deposits of 128 credit unions and three savings and loans having total insured deposits of $741,038,885.
The Department of Banking and Finance supervises the 1i cens i ng of check sell ers pursuant to the Georgi a Sal e of Checks Act enacted in 1965. Fourteen companies with a total of 3,063 agents throughout the State were licensed to do business under the Act during 1983.
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 corporat i on but no fi duci ary investment compan i es 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

BanQ.o, I n;teJtna.-U.o nal- Bank Ag e..nc.~e-6, TltlL6U

Charles l~. Burge, CFE . . . . Deputy Commissioner for Thrift Institutions

Clte..cLU: UMOM, BuilcUng and Loan AMO~OM, Che..c.k Se..t.tvw

David G. Sorrell, CFE

"

Director of Training

Coo~na.tolt 60lt TIt~Mng and Educ.a.-U.onal- Ac.tiv~e-6

David A. Hancock.

.Assistant Deputy Commissioner

Grace A. Mayner

.Assistant Deputy Commissioner

Larry S. Moor.

.Assistant Deputy Commissioner

Ralph J. Shire.

.Assistant Deputy Commissioner

C. Craig Smith.

.

Administrative Examiner

EXa.nI~Ha.-U.on Re..poJU: Revte..w, Holding ComparUe-6, RUOC.~OM, MeJtge.JL6,

and OtheJt AppUC.a.-U.OM, Se..c.~e-6 AppltovaiA,

COM~eJt A6n~, Te..c.hMC.al- and Le..gal-

Barbara Moore . .

Ac.c.ouVlting and F-u c.al-

Accountant

Jeannie Benefield

.

. Administrative Assistant for Banks

Dianne Blackstone

Administrative Assistant for Banks

Vickie Busby. . .

.

Administrative Assistant for Thrifts

Conponars: Ma.ttvw, CoMUJneJt An 6~, Pe..ncUng AppUC.a.-U.OM,

Ve..pa.Jttme.Vtt Bu.tt~n, Exam~na.-U.on Re..poJU: Re.V~0W,

S:ta.:t-L6Uc.al- Re..poJt.t6, Te..C.hMC.al- and Le..gal-

Maggie Smith

Personnel Manager

Pvwonnu

Sonja Hencely

Secretary to Commissioner/Deputy Comm.

Appo~ntme.n.t6, ConneJte..nc.e-6 and Se..m~na.JL6, I nb0Jtma.-U.on,

Fo~ and AppUC.~OM

Shei1a Bersch . Susan Brown . . Rena te Ca rro 11 . Irene Cox . . . Marilyn Fuller. Marilou Harvey. Deborah Smith . Kathleen Tucker Joseph Williams

. . . . Principal Clerk .Senior Secretary/Typist
.Accounting Technician ... Secretary/Typist .Senior Secretary/Typist .Senior Secretary/Typist
Secretary/Typist .Principal Clerk Secretary/Typist

- iv -

DISTRICT NORTHWEST
NORTHEAST
CENTRAL
<
EAST CENTRAL SOUTHWEST
SOUTHEAST

FIE L D E XA MIN E R S

DISTRICT DIRECTOR Jackson D. Hardy Steven D. Bridges
C. Douglas Peugh Robert H. Callier

SENIOR EXAMINERS
William Atkins Thomas S. Garreau James E. Haley
Drexel Beck Gary V. Green
Georgia High John H. Pennell Barry L. Rooks Emory Stanford Hubert C. Mi 11 er James R. Price

EXAMINERS
James M. Brooks Jerry A. Cox Victor A. Greene Edward B. Heefner
Michael Killeen Melinda Kinard \~ayne Orr Ned Overby George Reynolds James Winn
Ha rry Brown Bi 11 Reed Larry E. Shelley
Robert Davis Gary Ford

Robley S. Rigdon Norman E. Mimbs

Robert L. Herndon D. Ray Johnston Michael A. Rosser
James F. Mills

Larry T. Duke Glenn Edwards John Gavin John F. Sutphin
Billy S. Wilson Jane M. Whitfield

ASSISTANT AND SENIOR ASSISTANT EXAMINERS
James R. Emory Jay T. Jones Steve Lyle Larry J. Moody
Nan Ansley Pri ncess Brown Tracy Di 11 Robert Rosentreter
Jenny Neville Kevin Sharpe Sandra L. Sheley
Ann Adams Vickie Brantley Dianne Hickman r~ichael Hooks
Eugene Cline Joyce Jones Brian E. Mathis Alex Miller
Ernest Coats Sarah Jenkins George Keaveney Mike Killingsworth Ava Lovett Stan Peters David Widincamp

CURRENT STAFF

E. Nanette An sley

William D. Atkins

Drexel Beck

Jeannie Benefield

Sheila Bersch

Eddie L. Bishop

Dianne Black stone
:-..-

Vicki L. Brantley

Ste ve D. Bridge s

James M. Brooks

Harry Brown
- VI -

Princess Brown

Susan Brown

Charles W. Burge

Victoria L. Busby

Robert H. Callier

Renate Carroll

Gene Cline

Ernest D. Coats

Jerry A. Cox

Robert Da vis

Larry T. Duke

E.D. "Jack" Dunn
- VII -

Glenn Edwards

James R. Emory

Gary Ford

Marilyn Fuller

Thomas S. Garreau

John E. Gavin

Gary V. Green

Victor A. Greene

James Ed Haley

David A. Hancock

/
Jackson D. Hardy

Marilou Harvey
- VIII -

Edward B. Heefner

So nja Hencely

R. Larry Hernd on

Dianne Hickma n

Georgia High

/;,
Micha el Hooks

.,
D. Ray Johnston

Jay T. Jones, J r.

Joyce R. J ones

~
George S. Keaveney

Michael Killeen
- IX -

Melinda Kinard

,
John B. Kline

Ava R. Lovett

Ste ve Lyle

Brian Mathis

Grace A. Ma yner

Hubert Miller

J . Alex Miller

Jam es F. Mills

Norman E. Mimbs

Robert M. Moler

Larry Moody -x-

./ Larry S. Moor

Barbara U. Moore

L ____
Reece V. Morris

Jenny Neville

Wayne Orr

Ned W. Overby

John H. Pennell II

Stanley L. Peters

C. Douglas Peugh

James R. Price III

/ Bill Reed

~
George Reynolds
- Xl -

~
Robley S. Rigdon

Ba rry L. Rooks


Mike Rosser

Kevin M. Sha rpe

La rry E. Shelley

; .......
Ralph J. Shire

C. Craig Smith

J'

...

Deborah V. Smith

Maggie Smith

David G. Sorrell

Emory Stanford
- Xll -

<,
J ohn F. Sut phin 1Il

Kathleen T ucker

Tracy D. Whitesides

J an e M. Whitfield

Dav id T. Widinca mp

J oseph William s

Billy S. Wilson . J r.

J am es H. Winn , J r.

- XIII -

EXAMINA TION DISTRICTS AND DISTRICT WORK AREAS

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Northwest District Ma rietta/ Cobb
2 Northeast District Tucker/DeKa lb
3 Centra l District College Park/Clayton
4 East Central District Dublin/ Laurens
5 Southwest District Albany/Dougherty
6 Southeast District Douglas/ Coffee
o Savannah/ Chatham

co /

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- --------

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- xiv -

D

A

RECEIPTS AND DISBURSEMENTS FISCAL YEAR 1983

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

$2,606,151. 00
174,400.00 260,807.54 13,816.00
5,593.00 92,060.00 14,871.60
$3,167,699.14
$2,587,341.63 231,569.84 65,697.07 127,211.14 6,054.95 11 ,429.45 7,014.76 18,302.40 8,060.96 27,940.81 33,168.86
$3,123,791.87

- xv -

LEGAL HOLl 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

July 4

Independence Day

First Monday October 12 .

in

Sep.tem. b.er.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

. . Labor Day . Columbus Day

(Observed Second Monday in October)

November 11.

. ....

. Veterans' Day

Fourth Thursday in November.

Thanksgiving Day

December 25.

. .....

. . Chri stmas Day

(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

PERCENT INTEREST

January, 1983 .

13.00

February, 1983

13.00

March, 1983 . .

13.25

Effective March 31, 1983, the provisions of law prescribing a floating rate ceiling for certain real estate loans have been repealed in favor of the provisions contained in H.B. 128 enacted by the 1983 General Assembly and signed into law on March 29, 1983.

- xvi -

SUMMARY OF ACTIVITIES OF BANKS

ARTICLES OF INCORPORATION FOR BANKS APPROVED

NAME OF BANK

LOCATION

First Railroad Bank of Bremen*
The Peoples Bank of Buford WC Interim Bank* The Peoples Bank of Forsyth County Fairburn Interim Bank* Trust Company Bank of Troup County*
The Chattahoochee Bank Northwest Interim Bank* Tara State Bank International City Bank

Bremen
Buford Cleveland Cumming Fairburn LaGrange
Mari etta Ringgold
Riverdale Wa rner Robi ns

*To facilitate acquisition of an existing bank

APPROVED
10-31-83 12-09-83 10-07-83 12-09-83 8-30-83 9-06-83 9-07-83 3-08-83
2-03-83 10-12-83

ARTICLES OF INCORPORATION FOR BANKS DISAPPROVED

NAt~E OF BANK
Georgia Colony Bank The Bank of Crisp County Lanier Bank and Trust Company

LOCATION
Buford Cordele Cumming

DISAPPROVED
12-09-83 10-26-83 12-09-83

PERMITS ISSUED FOR BANKS TO BEGIN BUSINESS

NAME OF BANK
The Chattahoochee Bank Tara State Bank

LOCATION
Mari etta Riverdale

ISSUED
11-14-83 12-27-83

TO OPEN
11-15-83 12-30-83

- 1-

SUMMARY OF ACTIVITIES OF BANKS - Continued

CONVERSIONS OF STATE BANKS TO NATIONAL BANKS

NAME OF BANK

LOCATION

First Bank of Habersham
to The First National Bank of Habersham, Cornelia

Cornelia

EFFECTIVE 3-01-83

PURCHASE AND ASSUMPTION

NAME OF BANK

LOCATION

The Prudential Bank and Trust Company Atl anta
(First Georgia Bank, Atlanta, to purchase assets and assume certain liabilities.)

APPROVED 12-14-83

PERMISSION GRANTED TO EXERCISE TRUST POWERS

NAME OF BANK

LOCATION

TYPE

Rabun County Bank

Clayton

Limited

APPROVED 6-02-83

MISCELLANEOUS SUPERVISED INSTITUTIONS

The Business Development Corporation

of Georgia, Inc

.

.Atlanta

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

.Atlanta
. Atl anta Commerce

*Does not include departments and wholly owned subsidiaries of major correspondent banks which may perform data processing services for
others.

- 2-

SUMMARY OF ACTIVITIES OF BANKS - Continued

MISCELLANEOUS APPLICATIONS TO AMEND ARTICLES OF INCORPORATION APPROVED

NAME OF BANK

LOCATION NATURE OF AMENDMENT

APPROVED

The Commercial Bank

Bowdon

Change Name to: Trust Company Bank of Carroll
County. Restate Articles of Incorporation. Acquire
Trust Powers

Bank of Chester

Chester

Change Name to: Bank of Dodge County

Rabun County Bank

Clayton

Acquire Trust Powers

Bank of the South, Gwinnett County

Duluth

Change Name to: Bank South, Gwinnett

Bank of the South, Cl ayton County

Forest Park Change Name to: Bank South, Clayton

Bank of Fort Valley

Fort Valley Change Name to: First South Bank

Citizens Bank of Hahira Hahira

Change Name to: Citizens Community Bank

Capital City Bank

Hapeville

Acquire Trust Powers Change Name and Location to:
The Prudential Bank and Trust Company, Atlanta,
Fulton County. Restate Articles of Incorporation

Bank of the South, Cobb County

Mari etta

Change Name to: Bank South, Cobb

Heritage Bank of Gwinnett County

Snellville

Restate Articles of Incorporation. Change Name and Location of Bank
to: Heritage Bank, Alpharetta. Acquire
Trust Powers

The Citizens Bank

Toccoa

Amend Charter Provisions Relative to the Number of Directors

3-17-83
4-19-83 4-25-83 9-06-83 9-06-83 5-11-83 2-15-83 6-29-83 9-21-83
9-06-83 5-24-83
3-15-83

- 3-

SUMMARY OF ACTIVITIES OF BANKS - Continued

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED

NAME OF BANK

LOCATION

ACTIVITY APPROVED

Citizens Community Bank and
ECB, Inc.
Gwinnett Holding Corporation and
Fulton Bancshares, Inc.
Metter Banking Company and
Metter Temporary, Inc.
The American Bank and
American Interim, Inc.
The First State Bank and
The First State Interim Corporation
Citizens Bank and
First Citizens Interim of Cherokee County, Inc.
The Bank of Fitzgerald and
Colony Interim, Inc.
Bartow County Bank and
Bartow Interim, Inc.
Citizens Bank of Americus and
Interim Citizens Corporation
Commercial Bank &Trust Company
and Bank of Hamptom Commercial Bank of Pike County First Citizens Bank
Rabun County Bank and
RCB Interim, Inc.

Hahira)
)
Hahira)
Snellville)
)
Snellville)
Metter)
)
Metter)
Bowman)
)
Bowman)
Stockbri dge)
)
McDonough )

Merger Merger Merger Merger Merger

Ball Ground)
)
Ba 11 Ground)

Merger

Fitzgerald)
)
Fitzgerald)
Cartersville)
)
Cartersvi 11 e)
Americus)
)
Americus)
Griffi n )
)
Hampton ) Zebulon ) Fayetteville)
Clayton)
)
Clayton)

Merger Merger Merger Merger
Merger

2-15-83 2-18-83 2-23-83 2-28-83 3-07-83 3-18-83 4-18-83 4-28-83 4-29-83 5-10-83
5-19-83

- 4-

SUMMARY OF ACTIVITIES OF BANKS - Continued

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED

NAME OF BANK

LOCATION

ACTIVITY APPROVED

Heritage Bank and
Heritage Bank of Gwinnett County
Cohutta Banking Company and
Walker County Bank
Citizens Community Bank and
The Citizens Bank of Morven, Georgia
The Exchange Bank of Wrightsville and
Exchange Interim, Inc.
The Exchange Bank of Wri ghtsvi 11 e and
First State Bank
First South Bank and
The Exchange Bank of Wrightsville
Columbus Bank and Trust Company and
Buena Vista Loan and Savings Bank
The Citizens Bank and
Citizens Interim Corporation
The Security State Bank and
Farmers Interim, Inc.
The Darien Bank and
Darien Interim Corp.

Alpharetta) )
Snellvi lle)
Chatsworth) )
LaFayette )
Hahira) )
Morven)

Merger Merger Merger

Wri ghtsvi 11 e) )
Atlanta )

Merger

Wrightsville) )
Marshallville)
Fort Valley ) )
)
Wrightsville)
Columbus ) )
)
Buena Vista)
Fort Valley) )
Fort Valley)
McRae ) )
Cadwe11 )
Darien ) )
Folkston)

Merger Merger Merger Merger Merger Merger

5-24-83 6-01-83 6-08-83
7-25-83 7-25-83 7-25-83 8-09-83 8-25-83 8-31-83 10-03-83

- 5-

SUMMARY OF ACTIVITIES OF BANKS - Continued

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED

NAME OF BANK

LOCATION

ACTIVITY APPROVED

The Citizens Bank and
Citizens Bridge Company
Bank of Dawson and
Interim Dawson Corpora ti on
Exchange Bank and
EB Interim Corporation
Northeast Georgia Bank and
First Security Interim, Inc.
Trust Company Bank and
Peachtree Bank and Trust Company Bank of Woudstock
Northwest Georgia Bank and
Northwest Interim Bank
Commercial & Exchange Bank
and First Railroad Bank of Bremen

Gainesville)
)
Gainesville)
Dawson)
)
Dawson)
Mill edgevi 11 e)
)
Mi 11 edgevi 11 e)
Lavonia)
)
Lavonia)
Atl anta )
)
Chamblee) Woodstock)
Ringgold)
)
Ringgold)
Bremen)
)
Bremen)

Merger Merger Merger Merger Merger
Merger Merger

10-28-83 11-01-83 11-02-83 11-15-83 12-07-83
12-14-83 12-29-83

- 6-

SUMMARY OF ACTIVITIES OF BANKS - Continued

NAME OF BANK

STATE BANKS IN LIQUIDATION LOCATION DATE CLOSED DEPOSITORY

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

Atlanta 10-08-76

N/A *$1,962,542 **$1 ,858,200

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

Augusta

05-20-77

N/A *$2,264,834 **$1 ,051 ,800

Peoples Banking Company
Unpaid Claims due FDIC. Estimated Value of Remaining
Unliquidated Assets . . . .

Boston

03-17-81

N/A *$ 638,380 **$ 363,750

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

Doerun

01-05-79

N/A
-0-
**$ 134,000

*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.

- 7-

SUMMARY OF ACTIVITIES OF BANKS - Continued

BRANCH BANKS AS OF DECEMBER 31, 1983

NAME OF BANK

CHARTER COUNTY

BRANCH COUNTIES

Trust Company Bank of South Georgia, N.A., Albany
Heritage Bank Alpharetta
Bank South, N.A. Atl anta
First Georgia Bank Atl anta
The First National Bank of Atlanta Atl anta
The National Bank of Georgia Atlanta
Trust Company Bank Atlanta
American National Bank Brunswick
Cohutta Banking Company Chatsworth
Columbus Bank and Trust Company Columbus
The First National Bank of Columbus Columbus
The First National Bank of Dalton Da lton
Fidelity National Bank Decatur

Dougherty Thomas

Fulton

DeKa 1b, Gwi nnett

Ful ton Fulton

Chatham, Cl arke, DeKalb, Muscogee
DeKa 1b

Ful ton
Fulton Fulton Glynn

Bartow, Bibb, Clayton, Cobb, DeKa1b, Ha 11 , Houston, Richmond, Sumter
Clayton, Cobb, DeKa1b, Gwi nnett
Cayman Islands, Cherokee, DeKa 1b
Wayne

Murray

Walker

Muscogee Muscogee

Cha ttahoochee, Marion
Chattahoochee

Whitfield Gordon

DeKa 1b

Fulton

- 8-

SUMMARY OF ACTIVITIES OF BANKS - Continued

BRANCH BANKS AS OF DECEMBER 31, 1983

NAME OF BANK

CHARTER COUNTY

BRANCH COUNTIES

The Citizens Bank Folkston
Bank South, Clayton Forest Park
First South Bank Fort Valley
Commercial Bank &Trust Company
Griffin
Citizens Community Bank Hahira
The Coastal Bank Hinesville
Trust Company Bank of Middle Georgia, N. A., Macon
The Citizens and Southern National Bank, Savannah

Charlton Cl ayton Peach Spalding Lowndes Liberty Bibb Chatham

Brantley
Fulton
Johnson, Macon
Fayette, Henry, Pike Brooks
Long
Houston
Bartow, Ben Hill, Bibb, Butts, Clarke, Clayton, Cobb, Colquitt, *Decatur, DeKalb, Fulton, Gwinnett, Hart, Henry, Houston, Lowndes, Richmond, Thomas, Tift, Whitfield

*Not yet completed.

- 9-

SUMMARY OF ACTIVITIES OF BANKS - Continued

BANK OFFICES/FACILITIES APPROVED BUT UNOPENED AS OF DECEMBER 31~ 1983

PARENT BANK

LOCATION

NAME OF BANK OFFICE

OR FACILITY

LOCATION

Montgomery County Bank Ailey

Heritage Bank

Alpharetta

Vidalia Office
Facilities Kroger Store #318 Kroger Store #300 Five Forks Kroger Store #336 Kroger Store #262

Vidalia
Atlanta Chamblee Lawrencev ill e Roswe 11 Stone Mountain

First Georgia Bank

Atlanta

Rabun County Bank

Clayton

Peachtree Center Off i ce
Holcomb Bridge Office
North Rabun Office

Atlanta Roswe 11 Di 11 ard

White County Bank

Cleveland

Cornelia Bank

Cornelia

Douglas County Bank Bank South~ Gwinnett

Douglasvi 11 e
Duluth

Citizens Bank &Trust
Company
Trust Company Bank of Gwi nnett County

Eastman
Lawrenceville

Village Plaza Facility
Ingle's Supermarket Facility
Thornton Road Offi ce
Gwinnett Place Offi ce
Chauncey Office

Cleveland Cornelia Lithia Springs Duluth Chauncey

Gwinnett Place Mall Duluth Offi ce

Bank of Quitman

Quitman

Troupeville Office Valdosta

Roswell Bank Commercial Bank

Roswell Ta 11 apoosa

01 d Alabama Road Office
Holcombe's Super Valu Facility
Smith's Super Market Facility
Waco Office

Roswe 11
Tallapoosa Tallapoosa Waco

Peoples Bank of Bartow County

Tayl orsvill e Downtown Carters- Cartersville ville Office

- 10 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1983

STATE

BRANCHES,

CHARTERED BANK OFFICES

BANKS & FACILITIES

IN OPERATION JANUARY 1, 1983

354

450

BANKS OPENED DURING YEAR .

+2

The Chattahoochee Bank
Marietta (11-15-83) Tara State Bank
Riverdale (12-30-83)

BANKS DELETED BY MERGERS, ASSUMPTIONS,

AND CONVERSIONS. . . . . . . . . . . .

-22

Heritage Bank, Alpharetta (8-01-83)
Bank of Commerce, Americus (11-30-83) Buena Vista Loan and Savings Bank,
Buena Vista (11-30-83) NBG Gwinnett Bank, Buford (8-01-83)
The Citizens and Southern Bank of Bartow County, Cartersville (5-31-83)
Peachtree Bank and Trust Company,
Chamblee (12-31-83) Trust Company of Columbus, Columbus (7-28-83) First Bank of Habersham, Cornelia (3-01-83)
First Citizens Bank, Fayetteville (7-06-83) Bank of Hampton, Hampton (7-06-83)
Walker County Bank, LaFayette (6-27-83)
The Farmers Bank, Locust Grove (1-01-83)
NBG Cobb Bank, Marietta (8-01-83) First State Bank, Marshallville (11-16-83) The Citizens Bank of Morven, Georgia,
Morven (9-16-83) NBG Clayton Bank, Riverdale (8-01-83) Atlantic Bank and Trust Company,
Savannah (8-19-83) The C&S Bank of Tifton, Tifton (12-31-83)
Citizens State Bank, Warner Robins (3-05-83)
Bank of Woodstock, Woodstock (12-31-83) The Exchange Bank of Wrightsville,
Wrightsville (11-16-83) Commercial Bank of Pike County,
Zebulon (7-06-83)

- 11 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1983

STATE CHARTERED
BANKS
BANK OFFICES, BRANCHES, AND FACILITIES OPENED DURING YEAR . . . . . . . . . .
Bank of Adairsville, Adairsville Drive-In/Walk-Up Facility, Adairsville (9-30-83)
Wheeler County State Bank, Alamo Glenwood Facility, Glenwood (4-11-83)
Heritage Bank, Alpharetta Snellville Branch, Snellville (8-01-83) Facil ities Kroger Store #220, Atlanta (2-21-83) Kroger Store #228, Stone Mountain (7-25-83) Kroger Store #212, DeKalb Branch, Tucker (5-09-83)
First Georgia Bank, Atlanta Lenox Road Office, Atlanta (6-07-83) Moores Mill Office, Atlanta (2-28-83) Hapeville Office, Hapeville (12-31-83)
Trust Company Bank, Atlanta Spalding Corners Office, Norcross (5-03-83) Buford Highway Office, Chamblee (12-31-83) Woodstock Branch, Woodstock (12-31-83) Northridge Office, Atlanta (11-03-83)
Trust Company Bank of Carroll County, Bowdon First Tuesday Mall Office, Carrollton (9-15-83)
The American Bank, Bowman The Elberton Office, Elberton (8-22-83)
NBG Gwinnett Bank, Buford Rockbridge Road Facility, Norcross (6-06-83) Snellville Facility, Snellville (6-01-83)
Bartow County Bank, Cartersville Leake Street Facility, Cartersville (4-14-83)
Cohutta Banking Company, Chatsworth LaFayette Branch, LaFayette (6-27-83)
Columbus Bank and Trust Company, Columbus Buena Vista Branch, Buena Vista (11-30-83)
Bank of Cumming, Cumming Tri-County Mall Office, Cumming (6-20-83)

BRANCHES, BANK OFFICES & FACILITIES
+39

- 12 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1983

STATE

BRANCHES,

CHARTERED BANK OFFICES

BANKS & FACILITIES

BANK OFFICES, BRANCHES, AND FACILITIES OPENED DURING YEAR (Continued)

First South Bank, Fort Valley
Marshallville Branch,
Wrightsville (11-16-83) Wrightsville Branch,
Wrightsville (11-16-83)
Commercial Bank &Trust Company, Griffin
Fayetteville Branch, Fayetteville (7-06-83) Hampton Branch, Hampton (7-06-83)
Zebulon Branch, Zebulon (7-06-83) Citizens Community Bank, Hahira
The Citizens Bank of Morven, Georgia,
Morven (9-16-83) Trust Company Bank of Gwinnett County,
Lawrenceville Jimmy Carter Boulevard Office,
Norcross (7-11-83) Georgia State Bank, Mableton
East Lake Office, Marietta (11-10-83)
Tri-County Facility, Roswell (2-10-83) Bank of South Cobb, Marietta
Sprayberry Crossing Office,
Marietta (9-06-83) NBG Cobb Bank, Marietta
Powers Ferry Plaza Facility,
Marietta (6-01-83)
Gwinnett Bank &Trust Company, Norcross Gwinnett Bank &Trust Mortgage Loan
Office, Lilburn (3-09-83) Northeast Georgia Bank, Ringgold
East Ridge Office, East Ridge (9-16-83) Cloud Springs Facility, Ringgold (12-12-83) Savannah Bank and Trust Company
of Savannah, Savannah Southside Facility, Savannah (7-01-83) Bank of Carroll County, Temple Carrollton Office, Carrollton (11-28-83)
Farmers and Merchants Bank, Washington Downtown Office, Washington (2-28-83)
Oconee State Bank, Watkinsville Bogart Office, Bogart (11-28-83)

- 13 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1983

STATE CHARTERED
BANKS
BANK OFFICES, BRANCHES AND FACILITIES DISCONTINUED DURING YEAR . . . . . . .
Bank of Commerce, Americus Lamar Street Office, Americus (11-30-83)
Trust Company Bank, Atlanta Atlanta Center Office, Atlanta (2-25-83)
NBG Gwinnett Bank, Buford South Buford Office, Buford (8-01-83) Duluth Office, Duluth (8-01-83) Rockbridge Road Facility, Norcross (8-01-83) Snellville Facility, Snellville (8-01-83)
Habersham Bank, Clarkesville Downtown Office, Clarkesville (9-17-83)
Trust Company of Columbus, Columbus Buena Vista Road Office, Columbus (7-28-83) Macon Road Office, Columbus (7-28-83) North Columbus Office, Columbus (7-28-83) South Columbus-Fort Benning Office, Columbus (7-28-83)
First Bank of Habersham, Cornelia Clarkesville Office, Clarkesville (3-01-83) North Main Office, Cornelia (3-01-83)
The Farmers Bank, Locust Grove McDonough Office, McDonough (1-01-83)
Central Bank of Georgia, Macon Midtown Office, Macon (8-01-83)
NBG Cobb Bank, Marietta Acworth Office, Acworth (8-01-83) Galleria Office, Atlanta (8-01-83) Austell Office, Austell (8-01-83) Parkaire Office, Marietta (8-01-83) Powers Ferry Plaza Facility, Marietta (8-01-83) Westside Office, Marietta (8-01-83) Cobb Parkway Office, Smyrna (8-01-83) Concord Road Office, Smyrna (8-01-83) Oakdale Office, Smyrna (8-01-83) South Cobb Office, Smyrna (8-01-83) Smyrna Offi ce , Smyrna (8-01-83)

BRANCHES, BANK OFFICES & FACILITIES
-36

- 14 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

SUMMARY OF BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1983

STATE

BRANCHES,

CHARTERED BANK OFFICES

BANKS & FACILITIES

BANK OFFICES, BRANCHES AND FACILITIES DISCONTINUED DURING YEAR (Continued)

NBG Clayton Bank, Riverdale North Clayton Office, College Park (8-01-83) Forest Park Office, Forest Park (8-01-83)
Arrowhead Office, Jonesboro (8-01-83) Lake Harbin Road Office, Morrow (8-01-83)
Atlantic Bank and Trust Company, Savannah Johnson Square Office, Savannah (8-19-83)
The C&S Bank of Tifton, Tifton Northside Office, Tifton (12-31-83)
Town & Country Facility, Tifton (12-31-83) Westside Office, Tifton (12-31-83)
Citizens State Bank, Warner Robins Briarcliff Office, Warner Robins (3-03-83) Russell Parkway Office, Warner
Robins (3-05-83)

IN OPERATION DECEMBER 31, 1983 . . .

334**

453

**Includes Reliance Trust Company, Atlanta Tara State Bank, Riverdale

- 15-

CITY

COUNTY

LIST OF STATE AND NATIONAL BANKS

-

------_-.--"--

-_--..._-

-- -_-

_. _.

-

-

-

-

-

-

-

-

_

_..

-

-

"-_.

__

.

_

--_- -.-_- ----_-.-_--

--_- -.

_- ---"-.--

NAME OF BANK

CHARTER BEGIN

NO.

DATE

BUSINESS OFF.

TOTAL ASSETS*"'

Abbevi 11 e Wilcox

Dorsey State Bank

10-04-1972 10-04-1972 0

Wilcox County State Bank

4-22-1952 4-22-1952 1

Ada i rs vi 11 e Bartow

Adel

Cook

*Bank of Adairsville Adel Banking Company Farmers and Merchants Bank

3-21-1899 3-24-1899 1 2-27-1929 3-01-1929 1 12-11-1947 1-15-1948 0

Ailey

Montgomery Montgomery County Bank

2-24-1926 3-01-1926 0

Alamo

Wheeler

Wheeler County State Bank

1-15-1945 1-17-1945 1

Alapaha Albany

Berrien Dougherty

Bank of Alapaha

3-04-1905 3-25-1905 2

The Citizens and Southern Bank of Albany 5-06-1943 6-01-1943 6

First State Bank &Trust Company

3-31-1961 3-31-1961 5

Security Bank and Trust Company of Albany 4-17-1970 8-31-1970 2

*Trust Company Bank of South Georgia,

National Association

Allentown Wil kinson

The Four County Bank

8-18-1941 9-15-1941 0

Alma

Bacon

Alma Exchange Bank &Trust

7-28-1981 7-28-1981 1

*The First National Bank of Alma

0"1 A1 pharetta Fu1 ton Americus

Heritage Bank Citizens Bank of Americus
Sumter Bank and Trust Company

9-23-1970 3-04-1971 10 2-20-1937 3-25-1937 2 10-01-1973 10-28-1974 1

Arlington Calhoun

Ashburn

Turner

Bostwick Banking Company Ashburn Bank The Citizens Bank of Ashburn

8-27-1935 3-01-1936 0 7-03-1900 7- -1900 0 7-27-1905 10-25-1905 0

Athens

Clarke

First American Bank and Trust Company

9-24-1949 11-01-1949 1

*The First National Bank of Athens

Atlanta

Fulton

*Bank South, National Association *Citizens Trust Bank

7-12-1921 8-17-1921 2

*First Georgia Bank

3-22-1934 4-02-1934 14

*The First National Bank of Atlanta

*The National Bank of Georgia

The Prudential Bank and Trust Company

7-20-1945 9-04-1945 0

Reliance Trust Company

2-11-1981 7-01-1981 0

*Trust Company Bank

9-21-1891 11 -08-1891 55

1 ,516 11 ,523 12,185 32,757 9,350 11 ,056 9,882 21 ,773 159,918 146,815 49,555
84,418 13,366 22,845 20,858 105,441 47,526 32,650 11 ,294 38,385 25,605 66,524 155,081 1 ,640,472 63,705
337,802 5,270,170 1,100,697
12,255 *** 3,090,505

*Member Federal Reserve System HAmo!Jr1ts are in thousands
***Non-Deposit Trust Company

CITY

COUNTY

LI ST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHI\RTER BEGIN

NO.

DATE

BUSINESS OFF.

Augusta

Richmond

Bainbridge Decatur

Ball Ground Cherokee Barnesville Lamar

Barwi ck Baxley

Brooks Appling

Blackshear Pierce

B1airs vill e Union

Blakely

Early

""'-J

Blue Ridge Fannin

Bowdon

Carroll

Bowman

Elbert

Braselton Jackson

Bremen

Ha ra 1son

Brookl et
Broxton Brunswick

Bull och Coffee Glynn

Buchanan Butler
Byron Cadwe 11 Cairo

Haralson Taylor Peach Laurens Grady

*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

The First Port City Bank

4-03-1974 10-07-1974 0

Citizens 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 Union 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

Trust Company Bank of Carroll County

9-22-1926 9-22-1926 2

The American Bank

12-02-1966 1-03-1967 1

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

The Citizens State Bank

9-04-1926 9-04-1926

Middle Georgia Bank

10-30-1962 2-04-1963 1

Farmers State Bank Cairo Banking Company

8-23-1972 8-23-1972 0 11-23-1903 11-23-1903 1

Citizens Bank

12-03-1903 1-01-1904 0

*First National Bank of Grady County

*Member Federa1 Reserve System **Amounts are in thousands

TOTAL ASSETS **
143,457 531,174 43,355 31 ,764 22,188 36,291 22,989
3,410 43,753 15,717 19,280 22,226 11 ,482 45,341 24,549 26,082 40,381 36,226 9,283 3,627 10,506 26,828 22,305 13,356 130,256 47,877 122,576 27,028 25,660 25,595 6,411 35,743 10,300 21 ,284

CITY

COUNTY

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHI\RTER DATE

----_._- ----------

BEGIN

NO.

BUSINESS OFF.

TOTAL ASSETS**

Calhoun

Gordon

*The Calhoun First National Bank

Cami 11 a

Mitchell Bank of Camilla

11-04-1889 1-02-1890 0

Planters &Citizens Bank

9-20-1904 5-24-1913 0

Canton

Cherokee Bank of Canton

11-17-1892 12-18-1892 2

Etowah Bank

1-22-1927 1-29-1927 1

Carnesville Franklin First Bank and Trust

7-18-1960 8-01-1960 1

Carroll ton Carro11

The Carrollton State Bank

4-21 -1972 8-01-1972 1

The Peoples Bank

11-10-1909 12-01-1909 2

*West Georgia National Bank of Carroll ton

Cartersville Bartow Cave Spring Floyd

Bartow County Bank Bank of Cave Spring

6-07-1973 3-28-1974 2 12-15-1966 6-15-1967 0

Cedartown

Polk

*The Commercial National Bank

*The First National Bank of Polk County

Chatsworth Murray

Cohutta Banking Company

7-17-1905 1-24-1906 4

Chester co Chickamauga
Clarkesville Clarkston Claxton
Clayton
Cleveland
Cobbtown Cochran
Co 1qui tt
Columbus

Dodge Walker Habersham DeKalb Evans
Rabun
White
Tattnall Bleckley
Mill er
Muscogee

*The First National Bank of Chatsworth Bank of Dodge County Bank of Chickamauga Habersham Bank
Citizens DeKalb Bank The Claxton Bank
Tippins Bank &Trust Company
Bank of Clayton Rabun County Bank
The Peoples Bank White County Bank
The Brown Bank Cook Banking Company
State Bank of Cochran Citizens Bank
The Peoples Bank Columbus Bank and Trust Company

6-14-1966 9-26-1966 1

2-16-1910 5-10-1910 1

5-13-1904 5- -1904 2

4-10-1969 3-06-1970 5

2-24-1941 2-24-1941

2

8-30-1940 9-03-1940 1

6-30-1904 7-01-1904 1

5-01-1974 10-10-1975 0

12-11 -1945 7-01-1946 1

11-09-1983 10-29-1976 1

6-24-1970 6-24-1970 0

4-24-1942 7-01-1942 0

12-22-1921 1-05-1922 0

3-24-1924 4-21-1924 0

3-16-1973 10-19-1973 0

12-24-1888 4-01-1889 14

*The First National Bank of Columbus

*The National Bank and Trust Company

of Co 1umbu s , Ga.

93,164 30,001 36,446 75,688 72 ,587 31 ,428 15,837 80,773 53,866 24,028 5,996 45,788 44,929 59,787 21,918 6,488 22,404 71 ,054 29,170 28,651 17,505
58,503 15,220
120,874 32,641 4,990 17,422 25,399 30,680 19,126
417,345 297,749 144,115

*Member Federa1 Reserve System ** Arno unt s are i n thousands

CITY

COUNTY

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER BEGIN

NO.

DATE

BUSINESS OFF.

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

Rockda1 e 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 National 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

Ogl ethorpe The Commercial Bank

Crawfordville Taliaferro The Peoples Bank

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

Cumming

Forsyth

Bank of Cumming

10-11-1904 10-19-1904 1

Cuthbert

Randolph

Forsyth County Bank Citizens Bank

6-15-1964 9-26-1964 1
2-07-1938 3-01-1938 o

First State Bank of Randolph County

12-31-1958 1-02-1959 1

Dahlonega

Lumpkin

Bank of Dahlonega Lumpkin County Bank

5-27-1914 5-27-1914 1
5-06-1981 12-14-1982 o

Dallas

Paulding The Citizens Bank, Dallas, Georgia

7-23-1962 3-15-1963 2

*The First National Bank of Paulding County

Dalton

Whitfield The Bank of Dalton

12-26-1911 10-12-1912 2

*The First National Bank of Dalton

Dan i e1svi 11 e Madison

Hardwick Bank &Trust Company
Bank of Danielsville

2-17-1922 2-20-1922 12-11-1904 1-15-1908

3
o

Darien Dawson
Dawsonville

McIntosh Terre 11
Dawson

The Darien Bank Bank of Dawson
Bank of Terrell Dawson County Bank

12-08-1888 1-24-1889 1
6-29-1911 7-01-1911 o

3-23-1936 5-01-1936 7-01-1953 7-13-1953

1
o

Decatur

DeKa 1b

*Fide1ity National Bank

Dexter

Laurens

*The First National Bank of DeKa1b County The Knight State Bank

1-30-1967 2-01-1967

o

*Member Federal Reserve System **Amounts are in thousands

TOTAL ASSETS**
15,240 45,958 17,247 35,983 88,617 9,409 45,027 39,107 64,902 54,435 82,191 38,947 15,363 12,339 64,691 55,181 22,317 18,066 51,507 6,338 26,921 49,994 54,481 206,347 103,232 9,891 22,180 35,601 38,812 18,675 67,072 55,398 9,303

CITY
Donalsonville Douglas
Dougl as vil1 e
Dublin
Dudley Duluth Eastman N Eatonton
0
Edison Elberton Ellaville Ell i jay Fairburn Fayetteville Fitzgera1 d Folkston Forest Park Forsyth

COUNTY
Seminole Coffee
Douglas
Laurens
Laurens Gwinnett Dodge Putnam Calhoun E1 bert Schley Gilmer Fulton Fayette Ben Hill Charlton Clayton Monroe

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHI\RTER BEGIN

NO.

DATE

BUSINESS OFF.

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

4-2.4-1942 5-01-1942 2

Trust Company Bank of Douglas County

8-11-1959 5-09-1960 3

*First National Bank of Douglasville

The Citizens and Southern Bank of Dublin 10-29-1928 11-01-1928 3

Farmers and Merchants Bank

5-26-1910 7-06-1910 3

The Morris State Bank

7-31-1958 10-02-1958 1

Bank of Dudley

10-02-1905 11- -1905 0

Bank South, Gwinnett

1-22-1945 2-17-1945 2

Bank of Eastman

12-28-1918 1-02-1919 0

Citizens Bank &Trust Company

3-12-1949 4-01-1949 1

Farmers &Merchants Bank

10-30-1922 11-15-1922 0

The Peoples Bank

3-16-1944 5-01-1944 0

The Bank of Edison

9-24-1904

1904 0

*First National Bank in El berton

Granite City Bank

12-03-1927 1-02-1928 2

Bank of Ellaville

9-10-1910 9-16-1910 0

The Bank of Ellijay

5-21-1914 6-01-1914 1

First State Bank of Gilmer County

11-05-1973 8-29-1974 0

Fairburn Banking Company

9-14-1891

1902 1

Farmers and Merchants Bank

2-16-1906 3-13-1906 2

The Bank of Fitzgerald

11-10-1975 4-15-1976 1

The First State Bank of Fitzgerald

5-24-1948 7-19-1948 1

The Citizens Bank

9-30-1981 9-30-1981 2

*First National Bank of Folkston

Bank South, Clayton

10-24-1980 6-01-1981 7

The Farmers Bank

3-09-1910

1910 0

First Citizens Bank

2-17-1920 3-01-1920 0

Monroe Coun~y Bank

11-02-1908 10-15-1908 0

*r~ember Fede ra 1 Reserve System **Arnounts are in thou:>ands

TOTAL ASSETS**
25,749 18,728 32,029 17,191 74,318 8,922 71 ,439 50,196 8,158 93,266 76,909 45,053 21 ,304 54,314 34,760 34,633 28,192 25,976 17,768 63,415 60,691 11 ,756 42,368 16,450 30,537 47,106 32,301 35,063 38,948 13,691 123,524 18,927
15,219 25,580

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHI\RTER DATE

BEGIN BUSINESS

- _ . _ - _ . _ ~

NO.

TOT,Il,L

OFF. ASSETS **

Fort Gaines

Clay

Fort Gaines Banking Company

Fort Ogl ethorpe Catoosa Fort Oglethorpe State Bank

Fort Valley

Peach

First South Bank

The Citizens Bank

Franklin

Heard

The Bank of Heard County

Gainesville

Hall

The Citizens Bank

*The First National Bank of Gainesville

Gibson

Glascock Bank of Gibson

Gl ennvi 11 e

Tattnall First Citizens Bank

The Glennville Bank and Trust Company

Gordon

Wil ki nson The Gordon Bank

Gray

Jones

Bank of Gray

Greensboro

Greene Bank of Greensboro

Citizens Union Bank

Greenville Gri ffi n

Meriwether The Greenville Banking Company
Spalding Commercial Bank &Trust Company

N

The Bank of Griffin

---'

*First National Bank of Griffin

Haddock Hahira

Jones

Jones County Bank

Lowndes Citizens Community Bank

Commercial Banking Company

Harlem

Columbia Bank of Columbia County

Hartwe 11

Hart

Bank of Hartwell

Hawki nsvill e Pulaski Planters Bank

The Pulaski Banking Company

Hazlehurst

Jeff Davis Bank of Hazlehurst

Jeff Davis Bank

Hiawassee

Towns

Bank of Hi awassee

Hinesville

Liberty The Coastal Bank

The Hinesville Bank

Hogansville

Troup

The Citizens Bank

Homer

Banks

Bank of Banks County

Homervi 11 e

Clinch Empire Banking Company

I rwi nton

Wilkinson Wilkinson County Bank

Jackson

Butts

McIntosh State Bank

*Member Federal Reserve System **Amo unt s are i nth 0 usands

2-11-1937 2-15-1937 0 12-04-1963 8-07-1964 2 10-11-1924 10-15-1924 2 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 8

6-08-1967 8-16-1968 1

7-14-1905 7-25-1905 0 2-12-1927 2-21-1927 1
1-29-1945 4-05-1945 0 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
7-09-1970 7-09-1970 1 9-04-1911 11-15-1911 2 11-30-1961 12-11-1961 0 6-25-1974 12-28-1974 0 3-01-1945 6-01-1945 0 7-16-1907 7-16-1907 0 2-14-1964 9-18-1964 0

13,787 23,775 46,558 31 ,110 13,992
61 ,437 254,287
3,150 24,839 27,642 13,391 18,392 37,327 32,260 12,907 176,641 31 ,135 58,033 2 663 19 :675
11,134 15,227 24,373 30,114 28,206 18,419 18,629 36,365 51 ,565 41 ,562 14,626 15,263 18,262 12,506
22,474

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHI\RTER BEGIN

NO.

DATE

BUSINESS OFF.

Jas per

Pickens Jasper Banking Company

1-17-1945 3-12-1945 0

Pickens County Bank

8-25-1976 6-18-1977 0

Jefferson

Jackson *The First National Bank of Jackson County

Jeffersonvi 11 e Twi ggs

Peoples State Bank

12-10-1969 12-10-1969 0

Jesup

Wayne

*The First National Bank of Wayne County

Jonesboro

Clayton Trust Company Bank of Clayton County

10-06-1903 11-17-1903 5

Ki ngs 1and-

Camden

Citizens State Bank State Bank of Kingsland

7-29-1981 7-29-1981 0 11-26-1912 12- -1912 0

LaFayette

Walker

The Bank of LaFayette, Georgia

11-13-1889

1889 1

LaGrange

Troup

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

Lakeland

Lani er

Farmers and t1erchants Bank

4-08-1907

1907 0

Lavonia

Franklin Northeast Georgia Bank

9-20-1940 9-23-1940 2

N Lawrenceville Gwinnett *The Brand Banking Company

N

*First National Bank of Gwinnett County

6-02-1905 7-17-1905 2

Trust Company Bank of Gwinnett County

1-11-1971 9-16-1971 5

Leary

Calhoun Jordan Banking Company

12-30-1965 1-03-1966 0

Leesburg

Lee

The State Bank of Leesburg, Georgia

4-09-1947 12-01-1947 1

Lenox

Cook

Bank of Lenox

6-20-1907 6-25-1907 0

Leslie

Sumter

Farmers &Merchants Bank

12-19-1940 1-02-1941 0

Lexington

Oglethorpe Citizens Banking Company

2-07-1949 3-10-1949 0

Lincolnton

Lincoln Farmers State Bank

9-26-1911 12-02-1911 0

Lithonia

DeKa 1b

The Peoples Bank

8-26-1910

1910 1

Loganville

Walton

Bank of Loganville

5-06-1946 10-05-1946 0

Louisville

Jefferson *The First National Bank of Loui svi 11 e

Lumber Ci ty

Telfair Bank of Lumber City

5-22-1945 7-02-1945 0

Lumpkin

Stewart Farmers State Bank

10-21-1911 12- -1911

1

Lyons

Toombs

The Peoples Bank of Lyons, Georgia

5-04-1935 6-01-1935 1

Mableton

Cobb

Georgia State Bank

9-15-1981 3-03-1982 7

Macon

Bibb

Central Bank of Georgia

10-12-1982 2-01-1983 3

Georgia Bank &Trust Company

6-09-1960 7-01-1960 6

*Trust Company Bank of Middle Georgia, N.A.

*Member Federa1 Reserve System **Amounts are in thousands

TOTAL ASSETS**
40,503 16,372 24,431 5,826 33,247 61 ,274 5,849 9,848 56,281
88,445
52,131 38,520 23,093 34,770 58,083 124,777 59,438 5,412 10,738 7,523 8,542 14,202 23,153 27,818 12,691 35,306 5,716 8,423 24,395 101 ,648 40,798 149,129 301 ,948

lIST OF STATE AND NATIONAL BAN KS

CITY

COUNTY

NAME OF BANK

CHI\RTER BEGIN

NO.

DATE

BUSINESS OFF.

Madison

Morgan

Bank of Madison

12-26-1888 1-01-1890 0

*First National Bank of Madison

Manchester

Meriwether Bank of Manchester

1-28-1910 2-02-1910 0

F &MBank and Trust Company

10-07-1947 2-21-1948 1

Mansfield

Newton

Newton County Bank

12-19-1945 3-01-1946 1

Marietta

Cobb

Bank South, Cobb

8-14-1981 1-29-1982 3

The Chattahoochee Bank

9-09-1983 11-15-1983 0

Commercial Bank of Cobb County

10-30-1979 9-17-1956 6

*The First National Bank of Cobb County

Martinez

Columbia Georgia State Bank

7-05-1909 8-01-1909 2

McDonough

Henry

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

McRae

Telfair

The Merchants &Citizens Bank

3-28-1929 3-28-1929 0

The Security State Bank

8-23-1972 8-23-1972 0

Meigs

Thomas

Bank of Meigs

5-08-1903 6- -1903 0

Metter

Candler

Metter Banking Company

7-25-1930 8-26-1935 0

Pineland State Bank

12-27-1961 10-15-1962 0

Nw Midville Milan

Burke Telfair

Bank of r1i dvi 11 e Bank of Mil an

4-13-1945 5-21-1945 0 12-05-1906 10- -1906 0

~1ill edgevi 11 e Baldwin

The Citizens and Southern Bank of Mi 11 edgevi 11 e

2-28-1874 10-13-1884 1

Exchange Bank

5-20-1903 6-01-1903 2

The Merchants and Farmers Bank

of r~illedgeville

3-22-1898 3- -1898 1

Mi 11 en

Jenkins

Bank of Mi 11 en Ogeechee Valley Bank

1-04-1893 3-01-1893 0 9-01-1972 1-07-1974 0

Molena Monroe

Pike Wa l ton

Bank of Molena First American Bank of Walton

10-07-1901 3- -1899 0 1-01-1906 1-01-1906 2

*The National Bank of Walton County

Montezuma

Macon

The Bank of Macon County

2-24-1978 1-02-1973 1

First United Bank

10-23-1948 1-10-1949 1

Monticello

Jasper

Bank of Monticello

2-08-1964 2-10-1964 0

*The Farmers National Bank of Monticello

MouHrie

Co 1quitt American Banking Company

8-13-1971 10-01-1971

*Moultrie National Bank

Mount Vernon Montgomery Mount Vernon Bank

12-21-1900 1-24-1901 0

*Member Federal Reserve System **Amounts are in thousands

TOTAL ASSETS*""
20,743 29,559 33,254 9,547 8,465 50,651 11 ,447 99,042 311,134 41 ,409 67,082 19,546 18,238 4,740 33,320 11 ,825 6,709 9,122
74,947 46,368
30,512 26,422 8,732 6,376 47,657 60,849 38,345 27,831 17,763 18,761 39,629 80,305 18,386

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER BEGIN

NO.

DATE

BUSINESS OFF.

Nashville

Berrien

The Citizens Bank

2-19-1943 3- -1943 1

The United Banking Company

7-10-1924 7-15-1924 1

Newington

Screven

Bank of Newington

7-07-1919 8-14-1919 0

Newnan

Coweta

Bank of Coweta

2-11-1972 10-06-1972 2

The Citizens and Southern Newnan Bank

2-25-1955 2-25-1955 2

*First National Bank of Newnan

Newton

Baker

Baker County Bank

10-04-1906 10-15-1906 0

Nicholls

Coffee

Nicholls State Bank

12-02-1952 1-02-1953 0

Norcross

Gwinnett Gwinnett Bank &Trust Company

9-11-1967 3-01-1968 5

Oci 11 a

I rwi n

The Bank of Ocilla, Georgia

9-20-1956 10-01-1956 0

The First State Bank of Ocilla

5-11-1943 6-01-1943 1

Omega

Tift

South Georgia Banking Company

4-15-1970 4-15-1970 1

Pa 1metto

Fulton

First Fulton Bank and Trust

6-29-1918 7-10-1918 2

Patterson

Pierce

The Patterson Bank

6-19-1907 6-19-1907 0

Pavo

Thomas

Pavo State Bank

6-24-1971 6-24-1971 0

Peachtree City Fayette

The Fayette State Bank

1-31-1964 2-01-1964 3

N
~

Pearson

Pelham

Atkinson Mitchell

The Citizens Exchange Bank Farmers Bank of Pelham

1-19-1943 5-12-1945 0 8-25-1902 9-01-1902 2

Pelham Banking Company

12-04-1936 12-08-1936 0

Pembroke

Bryan

The Pembroke State Bank

12-29-1937 2-11-1938 1

Perry

Houston

The Bank of Perry

8-20-1889

1889 1

*First National Bank of Houston County

Pine ~lounta in Harris

Farmers and Merchants Bank

3-22-1909 4-19-1909 2

Pineview

Wil cox

Pineview State Bank

9-20-1910 9-20-1910 0

Pitts

Wil cox

Pitts Banking Company

6-02-1906 6- -1906 0

Preston

Webster

Bank of ~~ebs ter

6-29-1970 6-29-1970 0

Quitman

Brooks

Bank of Quitman

12-26-1888 12-31-1883 1

*The Citizens National Bank of Quitman

Reidsville

Tattnall

The Tattnall Bank

9-14-1900 10-22-1900 1

Reynolds

Taylor

The Citizens State Bank

9-08-1922 9-08-1922 0

Rhine

Dodge

Williams Banking Company

8-04-1947 10-01-1947 0

Richland

Stewart

Richland Banking Company

10-13-1927 10-15-1927 0

Ringgold

Catoosa

Northwest Georgia Bank

4-03-1983 8- -1904 4

Riverdale

Clayton

Tara State Bank

2-07-1983 12-30-1983

*t~ernber Federa1 Reserve System **Amounts are in thousands
***Not in operation 12-30-1983

TOTAL ASSETS**
24,438 15,983 3,648 37,395 59,047 65,633 7,325 9,709 78,102 23,769 22,648 23,503 20,003 7,142 5,642 58,899 9,699 33,307 25,638 24,680 36,058 41 ,457 29,705 6,617 4,836 4,934 20,877 17,831 24,042 15,060 8,803 7,826 51 ,490
***

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER BEGIN

NO.

DATE

BUSINESS OFF.

Roberta

Crawford The Crawford County Bank

1-07-1901 1-08-1901 0

Rochell e

Wilcox

Rochelle State Bank

7-08-1947 8-01-1947 0

Rockmart

Polk

The Rockmart Bank

10-30-1900

1900 1

Rome

Floyd

The Georgia State Bank of Rome

4-02-1976 1-05-1978 1

*The First National Bank of Rome

*The National City Bank of Rome

The Rome Bank and Trust Company

4-05-1945 10-01-1945 3

Ross vi 11 e

Walker

Rossville Bank

7-01-1963 12-13-1963 2

Roswe 11

Fulton

Roswell Bank

3-01-1901 3- -1901

3

Royston

Franklin Tri-County Bank of Royston

8-09-1941 9-01-1941 1

Rutl edge

Morgan

Bank of Rutledge

9-24-1898 10-01-1898 0

Saint r1arys

Camden

*First National Bank of Camden County

10-01-1982 10-01-1982

PeoDles 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 Sardi s

4-27-1945 7-02-1945 0

N Savannah

Chatham

The Carver State Bank

4-29-1947 6-04-1947 1

(Jl

*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 12

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.

Social Circle Wa lton

Georgia Central Bank

12-31-1923 3-08-1924 1

Soperton

Treutlen 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

Effingham The Citizens and Southern Bank

of Effingham County

12-30-1907 1-01-1908 1

Stapleton

Jefferson Bank of Stapleton

3-20-1916

1916 0

TOTAL ASSETS **
17,780 5,791 32,632 25,670 127,194 133,971 69,754 46,316 79,269 38,736 10,172 14,624 9,149 23,568 41,824 6,118 21 ,697 6,409,843 90,129
434,243 14,006
192,424 11 ,435 134,248 23,739 22,207 24,120 5,245
47,540 9,163

*Member Federal Reserve System *"" Amo unt s are i nth 0 usands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHI\RTER BEGIN

NO.

DATE

BUSINESS OFF.

Statesboro

Bulloch

First Bulloch Bank &Trust Company

1-19-1934 4-14-1934 3

Sea Island Bank

3-11-1901

1901 2

Stockbridge

Henry

The First State Bank

9-21-1964 10-08-1964 2

Summerville

Chattooga Farmers &Merchants Bank

2-05-1926 2-06-1926 3

Swainsboro

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

Sylvania

Screven

Bank of Screven County

4-10-1.911 5-01-1911 0

Farmers and Merchants Bank

2-18-1946 3-01-1946 1

Sylvester

Worth

Bank of Worth County

4-28-1945 11-01-1945 2

Sylvester Banking Company

7-05-1898 7- -1898 0

Talbotton

Ta 1bot

The Peoples Bank of Talbotton~

12-09-1890 1-13-1891 0

Ta 11 apoosa

Ha ra 1son Commercial Bank

12-09-1971 12-09-1971 1

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

Taylorsville Bartow

Peoples Bank of Bartow County

6-06-1905 6-13-1905 1

Temple

Carroll

Bank of Carroll County

11-25-1946 7-01-1947 4

N O"l

Tennille

Washington Tennille Bankin~ Company

4-04-1900 4- -1900 1

Thomaston

Upson

Bank of Upson

6-23-1951 10-01-1951 1

The Citizens and Southern Bank

of Thomaston

1-18-1926 2-28-1930 1

West Central Georgia Bank

12-13-1973 4-15-1974 1

Thomasville

Thomas

Commercial Bank

7-03-1916 7-22-1916 2

Thomson

~1cDuffi e

Bank of Thomson

12-30-1890

1891 2

*The First National Bank of Thomson

Tifton

Tift

The Citizens Bank of Tifton

2-24-1948 4-15-1948 1

The Farmers Bank of Tifton

12-21-1936 2-24-1937 1

Toccoa

Stephens The Bank of Toccoa

8-10-1911 9-01-1911 2

The Citizens Bank

5-25-1950 3-16-1951 2

Trenton

Dade

Bank of Dade

7-05-1955 1-12-1956 0

Trion

Chattooga *First National Bank of Chattooga County

Twi n City

Emanuel

Durden Banking Company, Incorporated

6-26-1935 7-05-1935 0

Unadilla

Doaly

State Bank and Trust Co.

4-19-1935 4-22-1935 2

Union Point

Greene

The Farmers Bank

9-06-1911 9-06-1911 1

Uvalda

Montgomery Altamaha Bank and Trust Company

5-02-1966 5-16-1966 1

*Mernber Federal Reserve System **Amo un t s are i n thousands

TOTAL ASSETS**
77 ,872 84,643 39,513 57,768 27,236 26,347 41 ,395 41,594 32,751 30,225 32,302 10,873 11 ,798 15,113 17,572 19,111 27,107 41,518
53,145 20,508 99,075 61 ,556 53,104 45,741 50,222 48,453 48,747 21 ,313 20,491 16,765 29,174 35,168 18,481

CITY
Valdosta

Vidalia

Vienna

Villa Rica Wadley
Warm Springs Warrenton
Washington

Watkinsville

N -....J

Waycross

Waynesboro
West Point Willacoochee Winder
Woodbine Woodbury Woodland Wrens Wri ghtsvi 11 e Zebulon

COUNTY

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER BEGIN

NO.

DATE

BUSINESS OFF.

Lowndes *The First National Bank of Valdosta

First State Bank and Trust Company

of Valdosta

1-22-1906 3- -1906 2

The Park Avenue Bank

6-28-1971 6-28-1971 0

Toombs

Brice Banking Company, Inc.

9-07-1965 10-14-1965 0

Darby Bank and Trust Co.

6-22-1934 7-01-1934 0

*First National Bank and Trust Company

Dooly

Bank of Oooly

11-10-1975 7-30-1976 0

Citi zens Bank

6-24-1931 7-01-1931 0

Carroll

Bank of Villa Rica

5-04-1899 5- -1899 1

Jefferson Bank of Wadley

1-29-1902 1- -1902 0

Meriwether First American Bank

10-11-1905 8-03-1906 1

Warren

Citizens Bank

4-14-1902 4- -1902 0

Wilkes

Farmers and Merchants Bank

8-10-1949 3-14-1950 2

Washington Loan and Banking Company

9-07-1891 5-01-1895 1

Oconee

Oconee State Bank

6-05-1959 2-01-1960 1

Ware

Commercial Bank

10-15-1918 10-30-1918 2

*First National Bank in Waycross

Southern Bank

5-22-1956 6-11-1956 2

Burke

*Bank of Waynesboro

12-16-1890

1891 1

*The First National Bank of Waynesboro

Troup

*First National Bank of West Point

Atkinson The Peoples Bank

1-04-1952 1-15-1952 0

Barrow

Bank of Barrow

3-12-1951 3-17-1951 2

The Peoples Bank

10-29-1926 10-30-1926 2

Camden

The Camden County State Bank

6-24-1947 1-02-1948 0

Meriwether The Woodbury Banking Company

9-29-1902 9-29-1902 0

Talbot

Talbot State Bank

11-18-1907 11-25-1907 0

Jefferson First State Bank

2-25-1964 7-06-1964 0

Johnson

Bank of Wrightsville

2-16-1897 2-16-1897 0

Pike

The Bank of Zebulon

3-18-1905 1-31-1905 1

TOTAL ASSETS **
88,254
61,718 26,348 23,213 27,681 42,566 13,419 16, 120 29,567 13,413 11 ,562 18,332 44,229 46,065 32,666 35,584 45,812 70,728 38,804 25,420 55,687 5,977 64,938 34,243 7,569 12,356 6,212 19,428 21 ,351 26,285

*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, 1983
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1982 (Amounts in Thousands)

ASSETS

December 31, 1983 December 31, 1982

391 Banks

416 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

$ 5,338,530 2,830,594 1,601,425 3,681,621 205,407
2,017,781 17,274,031
(241,181) (670,957) 16,361,893 192,435 693,498
57,970 1,401 ,253 $ 34,382,407

$ 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

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

$ 6,859,169 15,837,043 255,301
134,738 1,695,616
170,555 1,200,770
$ 26,153,192

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

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

3,992,952 143,518 32,243
1,530,942 $ 31,852,847

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

Subordinated Notes and Debentures

190,365

146,545

EQUITY CAPITAL

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

972 401,967 866,806
1,069,450 $ 2,339,195

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

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$ 34,382,407

$ 30,363,487

- 28 -

Number of Banks

ABSTRACT OF REPORTS OF CONDITION (BY SIZE) OF
STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1983 (Amounts in Thousands)
52 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
IPe 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
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, SUBOROIfJATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$10 Mi 11 ion
$ 37,590 44,700 36,740 17,524 78
40,458 183,803
(1,919) (12,685) 169,199
o
8,519 1, 175 5,039 $ 361,022
$ 65,580 226,575
o
542 20,092 2,334
519 $ 315,642
503 85 173 4,734 $ 321,137
225
0 7,055 16,880 15,725 $ 39,660
$ 361,022

- 29 -

120 $10 Million
to $25 Mi 11 ion
$ 183,484 259,022 222,327 182,242 1,958
214,450 1,068,296
(11,579) (72,944 ) 983,773
86 39,991 6, 153 40,628 $ 2, 134, 114
$ 348,040 1,346,352
o
5,866 158,521 14,138
2,468 $ 1,875,385
3,739 821
1,823 37,585 $ 1,919,353
1,216
277 36,654 96,108 80,506 $ 213,545
$ 2, 134, 114

ABSTRACT OF REPORTS OF CONDITION (BY SIZE) OF
STATE AND NATIONAL BANKS IN GEORGIA
AS OF DECEMBER 31, 1983 (Amounts in Thousands)

Number of Banks
Size of Bank ASSETS

186 $25 Million
to $100 Million

Cash and Due from Dep9,sitory 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 A11 Other Assets TOTAL ASSETS
LIABILITIES

$ 717,887 930,160 707,208
1,025,866 4,297
697,784 4,532,917
(49,844) (267,543) 4,215,530
7,355 191,017 21,930 169,200 $ 8,688,234

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 Tota1 Depos its

$ 1,504,949 5,418,246
0 13,597 672,226
52,352 11 ,673 $ 7,673,043

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

42,980 21,571 6,873
177,083 $ 7,921,550

Subordinated Notes and Debentures

15,631

EQU ITY CAP ITAL

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

195 142,839 279,380
328,639 $ 751,053

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$ 8,688,234

- 30 -

33 $100 Million
and Over
$ 4,399,569 1,596,712 635,150 2,455,989 199,074
1,065,089 11 ,489,015
(177,839) (317,785) 10,993,391 184,994 453,971
28,712 1,186,386 $ 23,199,037
$ 4,940,602 8,845,868 255,301 114,733 844,777 101,731 1, 186, 11 0
$ 16,289,122
3,945,730 121 ,041 23,374
1,311,539 $ 21,690,806
173,294
500 215,419 474,438 644,580 $ 1,334,937
$ 23,199,037

DEPARTMENT OF BANKING AND FINANCE

STATE OF GEORGIA

COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES

OF

STATE AND NATIONAL BANKS IN GEORGIA

FOR

CALENDAR YEARS ENDING DECEMBER 31, 1983 AND DECEMBER 31, 1982

(Amount in Thousands)

Dec. 31, 1983

Dec. 31, 1982

391 Banks

416 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

$ 2,044,654 160,978
203,917
443,049 267,481
5,221 22,572 61,636 190,088 80,487 78,382 $ 3,558,465

$ 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

OPERATING EXPENSES

Salaries and Employee Benefits

$ 593,899

Interest on Time Certificates of Deposit

of $100,000 or More

232,336

Interest on Other Deposits

1,234,239

Expenses of Federal Funds Purchased and Securities

Sold Under Agreements to Repurchase

308,732

Interest on Other Borrowed Money

12,772

Interest on Subordinated Notes and Debentures

17,388

Net Occupancy Expense of Premises, and

Furniture and Equipment Expenses

191,340

Provision for Possible Loan Loss

108,643

Other Expenses

459,765

TOTAL OPERATING EXPENSES

$ 3,159,115

$ 551,988
330,107 1,146,390
306,437 16,575 8,872
167,837 92, 111 418,662 $ 3,038,979

INCOME BEFORE INCOME TAXES AND SECURITIES GAINS OR LOSSES

$ 399,350

$ 353,512

Income Taxes INCOME BEFORE SECURITIES GAINS/LOSSES

47,352 $ 351,998

30,249 $ 323,263

Securities Gains/Losses, Net INCOME BEFORE EXTRAORDINARY ITEMS

(899) $ 351,099

(15,690) $ 307,573

Extraordinary Income/Expenses NET INCOME

(1 ,686) $ 349,413

1,305 $ 308,878

- 31 -

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, 1983 (IN THOUSANDS)

Number of Banks

52 Less Than

Size of Banks
OPERATI NG 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 Other Deposits Expenses of Federal Funds Purchased and Securities
Sold Under Agreements to Repurchase Interest on Other Borrowed Money Interest on Subordinated Notes and Debentures Net Occupancy Expense of Premises, and
Furniture and Equipment Expense 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 EXTRAORDINARY ITEMS

$10 Million
$ 24, 100 661
4,012
7,958 1,501
5
o o
2,456 1,079
276 $ 42,048
$ 7,767
1,773 19,277
19
3
28
2, 168 2,062 5,550 $ 38,647
3,401 555
$ 2,846 135
$ 2,981

Extraordinary Income/Expenses NET INCOME

1
$ 2,982

- 32 -

120 $10 Million
to $25 Million
$ 138,545 2,545
17,575
50,879 14,499
67
6
o
13,335 4,518 1,595 $ 243,564
$ 39,375
12,942 115,124
233 241 133
10,899 8,239 27,089 $ 214,275
29,289 5,422
$ 23,867
(71)
$ 23,796
(2,186) $ 21,610

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, 1983

(IN THOUSANDS)

Number of Banks

186

$25 Mi 11 ion

to

Size of Banks

$100 Mi 11 ion

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

$ 570,191 14,253
64,424
163,649 75,445
403 824 1,202 52, 149 15,444 6,566 $ 964,550

OPERATING EXPENSES

Salaries and Employee Benefits Interest on Time Certificates of Deposit
of $100,000 or More Interest on Other Deposits
Expenses of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase
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

$ 147,874
70,673 444,050
3,374 2,423 1,514
44,099 36, 183 99,807 $ 849,997

INCOME BEFORE INCOME TAXES AND SECURITIES GAINS OR LOSSES

114,553

Income Taxes INCOME BEFORE SECURITIES GAINS/LOSSES

15,051 $ 99,502

Securities Gains/Losses, Net INCOME BEFORE EXTRAORDINARY ITEMS

266 $ 99,768

Extraordinary Income/Expenses NET INCOME

346 $ 100,114

33 $100 Million
and Over
$ 1,311,818 143,519
117,906
220,563 176,036
4,746 21,742 60,434 122,148 59,446 69,944 $ 2,308,302
$ 398,883
146,948 655,790
305,106 10,105 15,713
134, 174 62,159 327,317 $ 2,056,195
252,107 26,324 $ 225,783 (1,229) $ 224,554
153 $ 224,707

- 33 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1983
HOLDING COMPANIES AND SUBSIDIARY BANKS
FIRST STATE CORPORATION, Albany
First State Bank &Trust Company, Albany
State Bank of Leesburg, Leesburg
SOUTH BANKING COMPANY, Alma
Alma Exchange Bank &Trust, Alma
Citizens State Bank, Kingsland
CBA BANCSHARES, INC., Americus Citizens Bank of Americus, Americus
BANK SOUTH CORPORATION, Atlanta Bank South, N.A., Atlanta Bank South, GWinnett, Duluth Bank South, Clayton, Forest Park Bank South, Cobb, Marietta
CDB CORP., Atlanta Citizens DeKalb Bank, Clarkston
CITIZENS AND SOUTHERN GEORGIA CORPORATION, Atlanta The Citizens and Southern Bank of Albany, Albany The Citizens and Southern Bank of Dublin, Dublin The Citizens and Southern Bank of West Georgia, LaGrange The Citizens and Southern Newnan Bank, Newnan The Citizens and Southern National Bank, Savannah The Citizens and Southern Bank of Thomaston, Thomaston
CITIZENS BANCSHARES CORP., Atlanta Citizens Trust Bank, Atlanta
FMB CORP., Atlanta
Farmers &Merchants Bank, Summerville
FIRST ATLANTA CORPORATION, Atlanta The First National Bank of Atlanta, Atlanta The First National Bank of Dalton, Dalton First Bank of Savannah, Savannah

APPROVED OR REGISTERED
2-04-81 2-04-81 2-04-81
11-20-80 11-20-80 11-21-80
3-01-83* 3-01-83*
7-01-76 7-01-76 8-01-77 11-17-77 10-28-81
11-07-80 11-07 -80
7-01-76 7-01-76 7-01-76 7-01-76 7-01-76 11-03-80 7-01-76
7-01-76 7-01-76
11-07-80 11-07-80
7-01-76 7-01-76 3-10-77 12-01-76

*Incomplete as of December 31, 1983 - 34 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

INTEREDEC (Georgia), Limited, Paris, France INTEREDEC (Georgia) N.V., Paris, France NBG FINANCIAL CORPORATION, Atlanta The National Bank of Georgia, Atlanta
ROSWELL BANCSHARES, INC., Atlanta Roswell Bank, Roswell
TGB CORP., Atlanta The Gordon Bank, Gordon
TRUST COMPANY OF GEORGIA, Atlanta Trust Company Bank of South Georgia, N.A., Albany The First National Bank of Athens, Athens Trust Company Bank, Atlanta
The First National Bank &Trust Company of Augusta, Augusta
Trust Company Bank of Carroll County, 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 of Coffee County, Douglas
FCS FINANCIAL CORPORATION, Augusta First Columbia Savings and Loan Association, Martinez
FIRST RAILROAD &BANKING COMPANY OF GEORGIA, Augusta
First Georgia Bank, Atlanta
Georgia Railroad Bank &Trust Company, Augusta Commercial &Exchange Bank, Bremen
The First National Bank of Columbus, Columbus Bank of Dalton, Dalton
Commercial Bank &Trust Company, Griffin

7-05-83 7-05-83 7-05-83 7-05-83
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 9-23-82 3-26-81
9-16-83* 9-16-83*
7-01-76 10-12-78 7-01-76 12-13-83* 11-08-82 10-25-79 6-06-83

*Incomplete as of December 31, 1983 - 35 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

FIRST RAILROAD &BANKING COMPANY OF GEORGIA (Continued)
Commercial Bank of Cobb County, Marietta First National Bank in Newnan, Newnan Farmers and Merchants Bank, Pine Mountain
PORT CITY HOLDING COMPANY, INC., Bainbridge The First Port City Bank, Bainbridge
FIRST CITIZENS BANCORP OF CHEROKEE COUNTY, INC., Ball Ground Citizens Bank, Ball Ground
FIRST BARNESVILLE CORPORATION, Barnesville The First National Bank of Barnesville, Barnesville
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 BANKSHARES, INC., Bowman The American Bank, Bowman
AMERICAN TRADING COMPANY, Brunswick State Bank of Kingsland, Kingsland
FARMERS BANCSHARES, INC., Cadwell Farmers State Bank, Cadwell The Security State Bank, McRae
CAIRO BANCHSHARES, INC., Cairo Cairo Banking Company, Cairo
GRADY HOLDING COMPANY, Cairo First National Bank of Grady County, Cairo
GEORGIA FIRST FINANCIAL CORP., Calhoun The Calhoun First National Bank, Calhoun
P &C BANK SHARES, INC., Camilla Planters &Citizens Bank, Camilla

10-25-79 12-21-81 11-08-82
8-11-81 8-11-81
3-18-83 3-18-83
10-24-83 10-24-83
11-25-81 11-25-81 11-25-81 11-25-81
6-14-82 6-14-82
2-21-83 2-21-83
7-01-76 7-01-76
7-24-79 7-24-79 8-08-83
4-16-82 4-16-82
6-30-78 6-30-78
9-19-83* 9-19-83*
12-30-80 12-30-80

*Incomplete as of December 31, 1983 - 36 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

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
BARTOW BANCSHARES, INC., Cartersville Bartow County Bank, Cartersville
COHUTTA BANCSHARES, INC., Chatsworth Cohutta Banking Company, Chatsworth
FIRST CHATSWORTH BANKSHARES, INC., Chatsworth The First National Bank of Chatsworth, Chatsworth
LIBERTY BANCORP OF GEORGIA, INC., Clayton Rabun County Bank, Clayton
THE PEOPLES BANKCORP, Cleveland The Peoples Bank, Cleveland
UNION INVESTMENT CO., INC., Colquitt Citizens Bank, Colquitt
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 Bank of Hazlehurst, Hazlehurst Commercial Bank & Trust Company of Troup County, LaGrange Commercial Bank, Thomasville First State Bank and Trust Company of Valdosta, Valdosta WEST GEORGIA FINANCIAL CORPORATION, Tallapoosa
West Georgia Bank of Tallapoosa, Tallapoosa CARROLL COUNTY FINANCIAL CORPORATION, Temple
Bank of Carroll County, Temple

2-10-82 2-10-82
4-13-81 4-13-81 4-13-81
12-05-80 12-05-80
4-28-83 4-28-83
11-30-82 11-30-82
3-03-83 3-03-83
5-12-83 5-12-83
2-01-82 2-01-82
7-01-76 7-01-76
7-01-76 1-03-79 4-24-80 9-18-81 7-01-76 5-20-83
9-07-76 9-07-76 11-05-81 10-12-78 3-14-83 10-12-78 10-22-79 3-14-83 10-22-79

*Incomplete as of December 31, 1983 - 37 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

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
NORTHWEST GEORGIA FINANCIAL CORPORATION, Dallas The Citizens Bank, Dallas
HARDWICK HOLDING COMPANY, Dalton
Hardwick Bank &Trust Company, Dalton
DAWSON BANCSHARES, INC., Dawson Bank of Dawson, Dawson
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
FIRST ELBERT CORPORATION, Elberton First National Bank in Elberton, Elberton
MIDDLE GEORGIA CORPORATION, Ellaville Bank of Ellaville, Ellaville
COLONY BANKCORP, INC., Fitzgerald The Bank of Fitzgerald, Fitzgerald
SOUTHEASTERN BANKING CORPORATION, Folkston The Darien Bank, Darien The Citizens Bank, Folkston
*Incomplete as of December 31, 1983 - 38 -

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
3-05-82 3-05-82
9-23-80 9-23-80
9-19-83* 9-19-83*
12-18-79 12-18-79
12-17-81 12-17-81
3-05-80 3-05-80
4-01-83 4-01-83
5-08-81 5-08-81
4-15-83 4-15-83
4-14-81 8-23-83* 4-14-81

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

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 First South Bank, Fort Valley
CB BANCSHARES, INC., Fort Valley The Citizens Bank, Fort Valley
CITIZENS EXPRESS COMPANY, Gainesville The Citizens Bank, Gainesville
FIRST NATIONAL BANCORP, Gainesville The First National Bank of Habersham, Cornelia The First National Bank of Gainesville, Gainesville
FIRST CITIZENS BANKSHARES, INC., Glennville First Citizens Bank, Glennville
FNB BANKING COMPANY, Griffin First National Bank of Griffin, Griffin
CCB BANCSHARES, INC., Hahira Citizens Community Bank, 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
FIRST SECURITY BANKSHARES, INC., Lavonia Northeast Georgia Bank, Lavonia
FIRST GWINNETT BANCSHARES, INC., Lawrenceville First National Bank of Gwinnett County, Lawrenceville

2-25-82 2-25-82
12-15-80 12-15-80
5-13-80 5-13-80
8-24-83 8-24-83
10-28-83* 10-28-83*
5-11-81 4-30-82 5-11-81
12-16-80 12-16-80
1-17-83 1-.17-83
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
11-15-83* 11-15-83*
11-17-80 11-17-80

*Incomplete as of December 31, 1983 - 39 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

F &MBANCSHARES, INC., Leslie Farmers &Merchants Bank, Leslie
CITIZENS HOLDING COMPANY, Lexington Citizens Banking Company, Lexington
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
GEORGIA BANCSHARES, INC., Macon Georgia Bank and Trust Company, Macon Tennille Banking Company, Tennille 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, Marietta
FIRST CITY BANCORP, INC., Marietta The First National Bank of Cobb County, Marietta
J. L. PILCHER AND SONS, INC., Meigs Bank of Meigs, Meigs
METTER FINANCIAL SERVICES, INC., Metter Metter Banking Company, Metter
CENTRAL AND SOUTHERN HOLDING COMPANY, Milledgeville The Citizens and Southern Bank of Milledgeville, Milledgeville
EXCHAN~ BANKSHARES, INC., Milledgeville Exchange Bank, Milledgeville

4-29-83 4-29-83
3-03-83 3-03-83
8-22-80 8-22-80 8-22-80 3-31-81
12-17-80 12-17-80
1-19-82 1-19-82
9-28-78 9-28-78 3-31-83 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
2-23-83 2-23-83
3-06-81 3-06-81
10-05-83 10-05-83

*Incomplete as of December 31, 1983 - 40 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

F.A. BANKSHARES, INC., Monroe First American Bank of Walton, Monroe
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
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA, Newark, N.J. PRUCO, INC., Newark, N.J. PRUDENTIAL CAPITAL AND INVESTMENT SERVICES, INC., Newark, N.J. The Prudential Bank and Trust Company, Atlanta
FSB BANCORP, INC., Peachtree City The Fayette State Bank, Peachtree City
PINEVIEW BANCSHARES, INC., Pineview Pineview State Bank, Pineview
QUITMAN BANCSHARES, INC., Quitman Bank of Quitman, Quitman
NW SERVICES CORPORATION, Ringgold Northwest Georgia Bank, Ringgold
THE NATIONAL CITY BANKCORP, Rome The National City Bank of Rome, Rome
SBT CORPORATION, Savannah Central Bank of Georgia, Macon Savannah Bank and Trust Company of Savannah, Savannah Bank of Screven County, Sylvania The First National Bank of Valdosta, Valdosta First National Bank and Trust Company, Vidalia Commercial Bank, Waycross

12-30-83* 12-30-83*
9-23-82 9-23-82
11-09-82 11-09-82
3-23-81 3-23-81
11-18-80 11-18-80
6-27-83 6-27-83
6-27-83 6-27-83
8-08-80 8-08-80
10-06-81 10-06-81
7-13-81 7-13-81
12-14-83* 12-14-83*
9-23-83 9-23-83
1-31-78 12-06-82 1-31-78 10-18-78 12-29-80 5-23-80 1-10-80

*Incomplete as of December 31, 1983 - 41 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

SOUTHERN BANK HOLDING COMPANY, Savannah Southern Bank and Trust Company, Savannah
HERITAGE BANCSHARES, INC., Snellville Heritage Bank, Alpharetta
SOPERTON NAVAL STORES, INC., Soperton The Bank of Soperton, Soperton
FIRST BULLOCH BANKING CORPORATION, Statesboro
First Bulloch Bank &Trust Company, Statesboro
HENRY COUNTY BANCSHARES, INC., Stockbridge The First State Bank, Stockbridge
CENTRAL BANKING COMPANY, Swainsboro The Central Bank, Swainsboro
FIRST BANK HOLDING COMPANY, Sylvester Sylvester Banking Company, Sylvester
WCG BANCSHARES, INC., Thomaston West Central Georgia Bank, Thomaston
FIRST THOMSON BANCORP, INC., Thomson The First National Bank of Thomson, Thomson
FIRST COMMUNITY BANCSHARES OF TIFTON, INC., Tifton The Farmers Bank of Tifton, Tifton
TRI-STATES BANKSHARES, INC., Trenton Bank of Dade, Trenton
LOCAL INVESTORS, INC., Unadilla State Bank and Trust Co., Unadilla
ALTAMAHA BANCSHARES, INC., Uvalda Altamaha Bank and Trust Company, Uvalda
PAB BANKSHARES, INC., Valdosta The Park Avenue Bank, Valdosta

6-09-77 6-09-77
12-16-80 2-18-83
7-01-76 7-01-76
2-08-82 2-08-82
3-07-83 3-07-83
10-07-81 10-07-81
8-22-83 8-22-83
12-10-82 12-10-82
3-14-83 3-14-83
5-10-82 5-10-82
4-27-82 4-27-82
10-31-83* 10-31-83*
11-03-80 11-03-80
8-02-82 8-02-82

*Incomplete as of December 31, 1983
- 42 -

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS - DECEMBER 31, 1983

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

TOOMBS BANK SHARES, INC., Vidalia Brice Banking Company, Inc., Vidalia
F.N.B.I.W. FINANCIAL CORPORATION,Waycross First National Bank in Waycross, Waycross
SOUTHERN BANCORP, INC., Waycross The Exchange Bank, Douglas Southern Bank, Waycross
FIRST BANKSHARES OF WEST POINT, INC., West Point First National Bank of West Point, West Point
ATKINSON COUNTY BANKS HARES CORPORATION, Willacoochee The Peoples Bank, Willacoochee
PEOPLES HOLDING COMPANY, Winder The Peoples Bank, Winder
WOODBURY BANCSHARES, INC., Woodbury The Woodbury Banking Company, Woodbury

3-15-83 3-15-83
7-15-83 7-15-83
10-21-81 7-28-82 10-21-81
7-13-83 7-13-83
9-18-80 9-18-80
11-17-83* 11-17 -83*
12-08-83 12-08-83

*Incomplete as of December 31, 1983
- 43 -

BANK HOLDING COMPANIES DEREGISTEREDjDISSOLVED

NM~E OF BANK HOLDING COMPANY
Banco Del Estado Holding Company, Inc.
Capital Bankshares Corporation NBG Financial Corporation Grupo Financiero Del Estado, S.A.
Southeastern Bancshares, Inc. Peachtree Bancshares, Inc. First South Bankcorp NBF Corporation Blakely Investment Company Commercial Bankshares, Inc. Northwest Georgia Bankshares, Inc. Atlantic Bancorp, Inc. Fulton Bancshares, Inc. Wrightsville Holding Company

LOCATION
Atlanta
Atlanta Atl anta Bogota, Columbia South America Cartersville Chamblee Columbus Fitzgerald Griffin Griffin LaFayette Savannah Snellville Wri ghtsvi 11 e

EFFECTIVE
1-13-83
7-06-83 8-01-83 1-13-83
5-06-83 11-19-83 1-01-83 9-30-83 7-01-83 7-01-83 6-27-83 8-19-83 8-01-83 11-16-83

- 44 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

INTERNATIONAL BANK AGENCIES

NAME OF AGENCY

LICENSE NO. ISSUED

Barclays Bank International Limited (England)

The Bank of Nova Scotia

2

(Canada)

Algemene Bank Nederland,

3

N.V.

(Netherlands)

Swiss Bank Corporation

4

(Switzerland)

Canadian Imperial Bank

5

of Commerce

(Canada)

Commerzbank

6

Aktiengesellschaft

(Wes t Ge rma ny)

Credit Suisse

7

(Switzerland)

The Toronto-Dominion Bank 8 (Canada)

Lloyds Bank International 9
Limited (England)

Kredietbank, N.V.

10

(Belgium)

Credit Lyonnais

11

(France)

Bayerische

12

Vereinsbank AG

(Union Bank of Bavaria)

(West Germany)

6-11-76 5-27-77 6-24-77 7-14-77 4-05-78 10-31-78 11-27-78 2-23-79 4-13-79 3-20-80 11-06-80 12-01-80

RENEWED 6-11-83

TOTAL GEORGIA ASSETS
**
$ 53,651

5-27-83 6-24-83

356,830 151 ,446

7-14-83 4-05-83

70,656 261,716

10-31-83

75,920

11-27-83 2-23-83 4-13-83

*
1,197,905 56,234

3-20-83 11-06-83 12-01-83

* *
119,702

- 45 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

NAME OF AGENCY
Standard Chartered Bank Public Limited Company (England)
Banca Nazionale del Lavoro (Ita ly)
Banque Indosuez (France)

INTERNATIONAL BANK AGENCIES

LICENSE NO. ISSUED
13 10-19-81

RENEWED 10-19-83

TOTAL GEORGIA ASSETS
**
$ 18,965

14

2-09-82 2-09-83

15

3-28-83

215,761 *

*Operating as Representative Office ONLY on December 31,1983. **Amounts are in thousands.

REPRESENTATIVE OFFICES OF INTERNATIONAL BANKS

NAME AND ADDRESS OF PARENT BANK

Banco do Brasil, S.A. Rio de Janeiro, Brazil.

The Bank of Tokyo, Ltd. Tokyo, Japan. . . . . .

The Industrial Bank of Japan, Limited

Tokyo, Japan

.

The Fuji Bank, Limited Tokyo, Japan. . . .

OFFICE LOCATION Atl anta Atlanta Atlanta Atlanta

- 46 -

SUMMARY OF ACTIVITIES OF BANKS - Continued

INTERNATIONAL BANK FACILITIES

PARENT BANK AND ADDRESS

LOCATION OF FACILITY

PERMIT NO.

The Citizens and

34 Broad St., N.W.

1

Southern National Atlanta, GA 30303

Bank

Atlanta, GA 30303

The National Bank

34 Peachtree St., N.W.

2

of Georgi a

Atlanta, GA 30303

Atlanta, GA 30303

The First National 2 Peachtree St., N.W.

3

Bank of Atl anta Atlanta, GA 30303

Atlanta, GA 30303

Trust Company Bank 25 Park Place, N.E.

4

Atlanta, GA 30302 Atlanta, GA 30302

Bayerische Vereins- 230 Peachtree St., N.W. 5

bank AG

Suite 600

(Union Bank

Atlanta, GA 30303

of Bavaria)

Munich, West Germany

Chase Bank Inter-

5775-F Peachtree-

6

national

Dunwoody Road

Newark, Delaware

Atlanta , GA 30342

Banca Nazionale del 235 Peachtree St., N.E. 7

Lavora

Suite 2000

Rome, Italy

Atlanta, GA 30303

Manufacturers Hanover 230 Peachtree St., N.W. 8

International

Suite 1800

Banking

Atlanta, GA 30303

Corporation

Miami, Florida 33132

ISSUED RENEWED 12-22-81 12-22-83
1-06-82 1-06-83 1-26-82 1-26-83 2-02-82 2-02-83 5-03-82 5-03-83
7-15-82 7-15-83 10-24-83 12-05-83

- 47 -

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. d/b/a The Georgia Company.

Bankers Trust Company New York, New York

The First National Bank of Boston Boston, ~1assachusetts . . . . .

Commonwealth Savings Association

Houston, Texas

.

The National Bank of Georgia Atl anta, Georgi a . . . . .

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. . .

American National Bank of Brunswick Brunswick, Georgia. . . . . .

First South Bank Fort Valley, Georgia

OFFICE LOCATION
Atl anta
Savannah Valdosta Atlanta Atlanta
Atlanta Savannah
Atlanta Atlanta Atl anta State Farm Agents . . . . . Various Savannah

- 48 -

SUMMARY OF ACTIVITIES OF STATE CHARTERED CREDIT UNIONS

NAME OF CREDIT UNION

CHARTER APPLICATIONS APPROVED LOCATION

Moultrie Container Employees

Moultrie

APPROVED 2-22-83

APPLICATIONS FOR VOLUNTARY LIQUIDATIONS AND/OR MERGERS

NAME OF CREDIT UNION

LOCATION ACTIVITY

APPROVED

COMPLETED

Good Life DayCo DuPont Atlanta Employees John J. Harte Associates Presbyterian Center

Albany Atlanta Atlanta Atlanta Atlanta

Merger Liquidation Merger Merger Merger

5-31-83 2-04-83 6-10-83 6-01-83 3-03-83

11-15-83 6-02-83 10-26-83 6-14-83 3-10-83

SUMMARY OF ADDITIONS AND DELETIONS DURING 1983

IN OPERATION JANUARY 1, 1983 .

172

CREDIT UNIONS OPENING DURING YEAR

+1

CREDIT UNIONS DELETED BY MERGERS AND LIQUIDATIONS

-5

TOTAL ACTIVE CREDIT UNIONS IN OPERATION DECEMBER 31, 1983 .

168

- 49 -

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

LOCATION Augusta
Atlanta Dalton Dalton

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

RECEIVER OR DEPUTY RECEIVER
GCUDIC
$18,719.88 1,398.93 11,874.77
GCUDIC $23,657.64
407.72 2,076.19
GCUDIC $ 2,759.81
GCUDIC $ 320.06
6,878.71

- 50 -

CITY

Albany

Albany

Albany

Americus

Athens

Athens

Athens

Athens

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

.(.J..l.

Atlanta Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

COUNTY
Dougherty Dougherty Dougherty Sumter Clarke Clarke Clarke Clarke Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Cobb Fulton Cobb Cobb Fulton DeKalb DeKalb

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Albany Federal Employees 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 Delta Employees Employes, Swift and Company The Federal Employees GPC Credit Association GTA Georg i a Central

*AMOUNTS IN THOUSANDS

CHARTER DATE
12-14-33 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 3-08-40 4-27-33 3-31-30 6-10-74 10-01-75 5-01-36

TOTAL ASSETS*
2,488 787 489 224 133
1 ,158 355 206 466 183
12,372 36 86
12,446 6,405 4,629
258 118,733
8,285 13,736 6,175 1 ,552 227,481
182 64,433 1 ,119 3,151 195,207

CITY
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta U1 Atlanta N Atlanta Atlanta
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

COUNTY
Fulton Fulton Fulton Fulton Cobb Fulton
Fulton DeKalb Fulton Fulton Fulton Fulton Fulton Fulton DeKa 1b Fulton DeKa 1b Fulton
Ful ton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton

*AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
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 Hospital Authority Employees IBEW Local 613 Journal-Constitution Employees Mead Packaging Employees' Munford Employees Mutual Savings Piedmont Hospital Reliance Rich's Employees Ruralist Employees S. M. C. R. C. Sewell Employees Southern Freight Bureau Employees State Employees The Thrift United Family Employees USSAC Wh ite Columns Williams Bros. Employees' Savings and
Credit Association

CHARTER DATE
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 5-15-46 7-21-80 4-30-28 4-30-28 6-14-73 12-23-33 3-29-74 1-23-78 3-04-38 8-06-47 1-10-39 1-14-75 11-19-35 11-14-61 10-24-28 8-07-56 3-24-33 6-11-64 9-20-78

TOTAL ASSETS*
3,762 1 ,847 7,343 2,686
547 5,711 191,785 1,027
941 3,762 1 ,298 4,222 3,130
657 11 ,552
713 7,906 13,150
228 301 665 441 11 ,865 8,034 552 818 543 1,184

CITY
Attapulgus Augusta Augusta
Augusta Bainbridge Baldwin Brunswick Calhoun Calhoun Cartersvill e Chamblee Chatsworth College Park Columbus Columbus Columbus wU1 Columbus Columbus Columbus
Columbus Columbus Columbus Cordele Cornelia Cornelia Cuthbert Dalton Dalton Dalton

COUNTY
Decatur Richmond Richmond
Richmond Decatur Banks Glynn Gordon Gordon Bartow DeKalb Murray Fulton Muscogee Muscogee Muscogee Muscogee Muscogee Muscogee
Muscogee Muscogee Muscogee Crisp Habersham Habersham Randolph Whitfield Whitfield Whitfield

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Attapulgus Employees Hea lth 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 Credit Union 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 Tom1s Credit Association Harris Employees Ethicon StateD Day Company Inc., Employees N. G. E. M. C. Tappan Employees Whitfield County Postal Employees

*AMOUNTS IN THOUSANDS

CHARTER DATE
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 5-19-47 1-30-79 1-18-65 6-10-81 8-27-52 5-06-80 3-02-51

TOTAL ASSETS*
184 2,363 2,186
264 284 921 3,375 161 175 220 1 ,955 150 1 ,105 196 25 75 893 8,645 82 267 1 ,133 180 378 1 ,139 609 21 349 78 445

CITY

Decatur

Decatur

Decatur

Decatur

Decatur

Doraville

Dorav ill e

Douglas

Dry Branch

Dublin

East Point

East Point

East Point

East Point

Eastman

tTl
+::>

Fitzgera 1d

Forest Park

Forest Park

Fort McPherson

Gainesville

Gordon

Griffin

Hapev ill e

Hapevill e

Hazlehurst

Hazlehurst

Helen Jackson

COUNTY
DeKa 1b DeKa 1b DeKalb DeKalb DeKalb DeKalb Gwinnett
Coffee Bibb Laurens Fulton Fulton Fulton Fulton Dodge Ben Hi 11 Cl ayton Clayton Fulton Hall Wil ki nson
Spalding Fulton Fulton Jeff Davis Jeff Davis
White Butts

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
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
Employees Savings &Credit Assn.
Sexton Atlanta Employees Fort McPherson HCH Employees' Freeport Kaolin Employees'
Launderers &Cleaners
Hapeville Auto Employees Hapeville Employees' Hand S Employees Credit Association Patchogue-Plymouth Employees Credit
Association
Orbit Savings &Credit Association
CGEMC Employees

*AMOUNTS IN THOUSANDS

CHARTER DATE
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 8-21-80 1-12-45 7-23-48 10-15-74 5-15-79 3-09-72 7-09-82 3-29-79 8-02-72 8-15-68
9-27-77 9-09-53

TOTAL ASSETS*
59 1 ,702
348 4,454
163 1 ,041
178 111 537 1,082 8,005 420 5,805 280 78 554 2,331 69 5,995 409 411 1,785 3,460 485 127 1 ,736
253 299

CITY

Jonesboro

Jonesboro

LaFayette

Macon

Macon

Macon

Macon

Macon

Macon

Macon

Macon

Macon

Macon

Marietta

Marietta

U1 U1

McIntyre

Milledgeville

Mi 11 edgevi11 e

Monroe

Montezuma

Moultrie

Moultri e

Nashvi 11 e

Norcross

Norcross

Pine Mountain

Ringgold

COUNTY
Clayton Clayton Walker Bibb Bibb Bibb Bibb
Bibb Bibb Bibb Bibb Bibb Bibb Cobb Cobb Wilkinson Baldwin Baldwin Walton Macon Colquitt Colquitt Berrien Gwinnett Gwinnett Harris Catoosa

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
C. C. B. E. Employees
Clayton Cities &County Employees
Roper LaFayette Employees' City Employees Concrete Federal Employees Georgia Kraft Employees Macon Firemen's Macon Oil Processors Macon Police Macon Water Works Medical Center of Central Georgia Smith and Sons Employees C-MAR Kennestone Regional Engelhard Employees' Baldwin County Hospital Employees Central State Hospital Champion Employees' Credit Association Southern Frozen Foods Employees Employees Credit Union, c/o New Sipco, Inc. Moultrie Container Employees Nashville Mills Employees Association Genuine Parts Rock-Tenn Company Employees Callaway Gardens Salem Carpet Mills

*AMOUNTS IN THOUSANDS

CHARTER DATE
12-30-57 1-05-71 3-29-74 2-28-51 4-02-80 2-01-26 1-31-49 4-18-42 3-12-46 10-02-50 7-11-50 12-:01-71 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 3-01-83 11-21-72 1-25-37 7-30-74 7-26-77 7-06-73

TOTAL ASSETS*
2,787 1 ,138
331 307 121 2,529 3,931 295 1,065 368 162 1 ,520 247 4,122 1,812 200 539 6,480 321 341 132 80 958 850 540 515 599

CITY

Rome

Rome

Rome

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Savannah

Sea Island

Statesboro

U1
Q')

Tallapoosa

Thomasville

Thomasvi 11 e

Toccoa

Toccoa

Tucker

Valdosta

Valdosta

Valdosta

Vidalia

Warner Robins

Warner Robins

Wrens

COUNTY
Floyd Floyd Floyd Chatham Chatham Chatham Chatham
Chatham Chatham Chatham Chatham Chatham Chatham Glynn Bulloch Haralson Thomas Thomas Stephens Stephens DeKa1b Lowndes Lowndes Lowndes Toombs Houston Houston Jefferson

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
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

*AMOUNTS IN THOUSANDS

CHARTER DATE
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*
623 5,466 5,447 3,150 1,567
939 1,735
910 332 2,749 359 112 1 ,794 3,453 937 593 233 5,502 3,449 1,722 343 262 715 5,992 719 268 584 24

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA AS OF DECEMBER 31, 1983
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1982 (Amounts in Thousands)

No. of Credit Unions ASSETS

DEC. 31 1983
168

Cash and Due From Depository
U.S. Govt. Obligations Corporate Credit Union Other Investments Net Loans Credit Union Premises
Furniture &Fixtures
Other Assets
TOTAL ASSETS

$ 15,727
153,599 197,660 182,682 556,770
5,227
10,084 $1,121,749

%*
1.4 13.7 17.6 16.3 49.6
.5 .9 100.0

DEC. 31 1982 172
$ 11 ,357
89,655 249,022 21 ,773 492,030
5,469
7,746 $877 ,052

%*
1.3 10.2 28.4 2.5 56.1
.6 .9 100.0

AMOUNT Increase+ Decrease-
$ 4,370+
63,944+ 51 ,362160,909+ 64,740+
242-
2,338+ $244,697+

PERCENT Increase+ Decrease-
38.5+
71.3+ 20.6739.0+ 13.2+ 4.4-
30.2+ 27 .9+

LIAB IUT! ES

Share Draft

$

(Demand Deposit)

Member Sav i ngs Depos its,

and Certifi cates

Div./Int. Payable

Notes Payable

Accounts Payable and

Other Liabilities

34,327
986,028
6,687 37,928 2,442

TOTAL LIABILITIES $1 ,067,412

3.1 Not Available

$ 34,327+

87.9 $803,209 91.6 $182,819+

0.6

6,561 0.7

126+

3.4 22,560 2.6 15,368+

0.2

1 ,624 0.2

818+

95.2 $833,954 95. 1 $233,458+

22.8+
1. 9+ 68.1+ 50.4+
28.0+

EQUITY CAPITAL

Member Shares

$

Reserves

Undivided Earnings

TOTAL EQUITY CAPITAL $

1 ,934 32,235 20, 168
54,337

TOTAL LIABILITIES & $1,121,749
EQUITY CAPITAL

.2 2.8 1.8
4.8
100.0

Not Available $ 27,462 3.1
15,636 1.8 $ 43,098 4.9
$877,052 100.0

$ 1,934+ $ 4,773+
4,532+ $ 11 ,239+
$244,697+

17.4+ 29.0+ 26.1+
27.9+

* Percent of Total Assets

- 57 -

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES
OF STATE CREDIT UNIONS IN GEORGIA
FOR CALENDAR YEARS ENDING DECEMBER 31, 1983 AND DECEMBER 31, 1982
(Amounts in Thousands)

OPERATING INCOME
Interest on Loans Income from Investments Other Income
TOTAL OPERATING INCOME

Calendar Year Ending
12-31-83

Calendar Year Ending %* 12-31-82

AMOUNT PERCENT Increase+ Increase+ %* Decrease- Decrease-

$ 71 ,229 44,164 1 ,815
$117,208

60.8 37.7 1.5
100.0

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

63.9 34.6 1.5
100.0

$ 7,179+ 9,460+ 357+
$16,996+

11.2+ 27.3+ 24.5+
17.0+

OPERATING EXPENSES
Employees Compo &Benefits
Office Expenses Interest on borrowed money Other Expenses
TOTAL OPERATING EXPENSES

$ 10,048 4,226 2,580 7,038
$ 23,892

8.6 $ 8,454

3.6

3,660

2.2

1 ,559

6.0

6,554

20.4 $ 20,227

8.4 $ 1 ,594+

3.7

566+

1.6 1,021 +

6.5

484+

20.2 $ 3,665+

18.9+ 15.5+ 65.5+ 7.4+
18.1+

INCOME BEFORE RESERVE
TRANSFERS &SECURITIES
GAINS/LOSSES

$ 93,316

Net Reserve Transfer

5,158

INCOME BEFORE SECURITIES GAINS/LOSSES

$ 88,158

Securiti es Ga ins/Losses, Net

54

NET INCOME AVAILABLE FOR DIVIDENDS

$ 88,212

Dividend/Interest on
Shares &Deposits

81 ,363

NET INCOME RETAINED

$ 6,849

79.6 $ 79,985

4.4

3,930

75.2 $ 76,055

0.0

-101

75.2 $ 75,954

69.4 69,747

5.8 $ 6,207

* Percent of Total Income

- 58 -

79.8 $13,331+ 3.9 1,228+ 75.9 $12,103+

16.7+ 31.2+ 15.9+

0.1

47-

75.8 $12,258+

46.516.1+

69.6 11 ,616+ 16.7+

6.2 $ 642+ 10.3+

LIST OF STATE-CHARTERED SAVINGS AND LOAN ASSOCIATIONS

CITY Canton Conyers Marietta

COUNTY Cherokee Rockdale Cobb

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

CHARTER DATE
3-29-79 8-05-81 6-29-81

TOTAL ASSETS* 29,455
3,245 10,189

SUMMARY OF ACTIVITIES OF SAVINGS AND LOAN ASSOCIATIONS

ARTICLES OF INCORPORATION APPROVED

NAME OF SAVINGS &LOANS

LOCATION

First Columbia Savings and Loan Association Mountain Savings &Loan

Martinez Hiawassee

APPROVED
9-26-83 11-08-83

PERMITS TO BEGIN BUSINESS

NAME OF SAVINGS &LOANS

LOCATION

Rockdale Savings and Loan Association

Conyers

* AMOUNTS IN THOUSANDS

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APPROVED 9-21-83

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ABSTRACT OF REPORTS OF CONDITION OF STATE SAVINGS AND LOAN ASSOCIATIONS
AS OF DECEMBER 31,1983 (AMOUNTS IN THOUSANDS)

ASSETS
Cash and Due from Depository Institutions U.S. Treasury Securities Obligations of Other U.S. Agencies All Other Securities Federal Funds Sold and Securities Purchased
Under Agreements to Resell Gross Loans
Reserve for Loan Losses Net Loans
Savings &Loan Premises, Furniture and
Fixtures Other Real Estate Owned Other Assets TOTAL ASSETS

$ 2,365 1 ,972 2,083 286
6,486 26,951
(47) 26,904
1,806 85 902
$ 42,889

LIAB ILITI ES
Demand Deposits of IPC Time and Savings Deposits of IPC Deposits of U.S. Government Deposits of States and Political sub-
divisions in the United States Deposits of Commercial Banks Certified and Officers' Checks Total Deposits
Other Liabilities TOTAL LIABILITIES

$ 3,637 25,076 6
7,461 1 ,701
449 $ 38,330
266 $ 38,596

EQ UITY CAP ITAL
Common Stock Surplus Undivided Profits and Capital Reserves TOTAL EQUITY CAPITAL
TOTAL LIABILITIES AND EQUITY CAPITAL

$ 2,200 2,010 83
$ 4,293
$ 42,889

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DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT STATEMENT OF EARNINGS AND EXPENSES OF
STATE SAVINGS AND LOAN ASSOCIATIONS FOR
CALENDAR YEAR ENDING DECEMBER 31, 1983 (Amounts in Thousands)
Number of Savings &Loans
OPERATING INCOME: Interest and Fees on Loans Income on Federal Funds Sold and Securities
Purchased Under Agreement to Res~ll Interest on U.S. Treasury Securities and on
Obligations of Other U.S. Government Agencies and Corporations Income From All Other Securities Service Charges on Deposit Accounts
Other Service Charges, Commissions & Fees
Other Operating Income
TOTAL OPERATING INCOME
OPERATING EXPENSES: Salaries and Employee Benefits Interest on Time Certificates of Deposit of
$100;000 or More Interest on Other Deposits Expenses of Federal Funds Purchased and
Securities Sold Under Agreement to Repurchase Interest on Demand Notes and on Other Borrowed
Money
Net Occupancy Expense of Savings &Loan Premises,
Furniture and Equipment Expense Provision for Possible Loan Losses Other Operating Expenses
TOTAL OPERATING EXPENSES
INCOME BEFORE INCOME TAXES AND SECURITIES GAINS AND LOSSES
Income Taxes Securities Gains/Losses
NET INCOME
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3
$ 3,350 281
337 12 73 212 29 $ 4,294
806 35 2,321 28 39 285 50 522 $ 4,086
208
64
o
$ 144

FIRMS AUTHORIZED TO SELL CHECKS UNDER THE GEORGIA SALE OF CHECKS ACT,
APPROVED MARCH 2, 1965
(Chapter 7-1-680-692, Financial Institutions Code of Georgia)
All State and National Banks, State and Federal Savings and Loan Associations, Federal Savings Banks, State and Federal Credit Unions maintaining their principal place of business in Georgia. A listing of state and national banks, state savings and loan associations and state credit unions is included herein. A listing of federal savings and loan associations, federal savings banks, and federal credit unions may be obtained from the appropriate federal regulatory agency; i.e. Federal Home Loan Bank of Atlanta, National Credit Union Administration.

Name and Location

Total Number of Georgia Agents

American Express Travel Related Services Company, Inc . . . .

440

(Formerly American Express Company)

American Express Plaza

125 Broad Street

New York, NY 10004

Associates Financial Express, Inc. . . . . . . . . . . . . . . . . . . 299 P. O. Box 220097 Dallas, TX 75222

BA Cheque Corporation &BankAmerican Corporation . . . . . . . . . . . 273
201 Mission Street San Francisco, CA 94105

Barclays Bank International Ltd. . . . . . . . . . . . . . . . . . . . 36 200 Park Avenue New York, NY 10017

The Chase Manhattan Corporation

199

One Chase Manhattan Plaza

New York, NY 10081

Citicorp &Citicorp Service, Inc. . . . . . . . . . . . . . . . . . . 263
399 Park Avenue New York, NY 10043

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SALE OF CHECKS COMPANIES - Continued

Name and Location
First Chicago Cheque Corporation . . . . . (Merged with Chase Manhattan Corporation)
P. O. Box 8289 Chicago, IL 60680

Total Number of Georgia Agents
o

Munford, Inc. . . . .

214

P. O. Box 7701, Station C

Atlanta, GA 30309

National Money Orders, Inc. . . . . . . . . . . . . . . . . . . . . . . 24 100 Waugh Drive Houston, TX 77001

Republic Money Orders, Inc

.

431

1700 Republic National Bank Building

Dallas, TX 75201

Societe Francaise du Cheque de Voyage

8

c/o American Express Travel Related

Services Company, Inc.

American Express Plaza

125 Broad Street

New York, NY 10004

Thomas Cook, Inc. . .

68

11 West 42nd Street

New York, NY 10036

Travelers Express Company, Inc. . . . . . . . . . . . . . . . . . . . 768 5075 Wayzata Boulevard Minneapolis, MN 55416

Travellers Cheque Associates Ltd. . .

40

c/o American Express Travel Related

Services Company, Inc.

American Express Plaza

125 Broad Street

New York, NY 10004

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

12-31-83
$ 8,773 4,328,662
482,263 6,943 12,568 13,278
$4,852,487
$ 128,140 2,613,788 2,110,559 $4,852,487

12-31-82
$ 46,163 3,082,265 650,278 21 ,418 9,865 9,399 $3,819,388
$ 3,824 2,051,316 1,764,248 $3,819,388

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