Sixty-fifth annual report [1984]

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ATLANTA
SIXTY-FIFTH ANNUAL REPORT
YEAR ENDING DECEMBER 31 1 1984
***
E. D. "JACK" DUNN
COMMISSIONER
ROBERT M. MOLER
DEPUTY COMMISSIONER ***

TABLE OF CONTENTS

History of Department

.

Summary of Condition and Structural Changes

ii

Official Roster

iv

Field Examiners............................................................ v

Staff Photographs.......................................................... vi

Dist rict Ma p. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. xi v

Recei pts and Di sbursements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xv

Lega 1 Ho1i days

xvi

Summary of Activities of Banks:

Articles of Incorporation for Banks Approved

.

Articles of Incorporation for Interim Banks Approved

.

Mergers of State Banks into National Banks

.

Permits Issued for Banks to Begin Business....

2

Permission Granted to Exercise Trust Powers.

2

Miscellaneous Supervised Institutions...

2

Miscellaneous Applications to Amend Articles of Incorporation Approved.. 3

Applications for Consolidations and/or Mergers Approved.

4

Branch Banks as of December 31, 1984.

7

Bank Offices/Facilities Approved but Unopened as of December 31, 1984... 9

State Banks in Liquidation.............................................. 11

Additions and Deletions - Banks and Bank Offices

12

List of State and National Banks........................................... 16

TABLE OF CONTENTS (CONTINUED)

Abstract of Reports of Conditions - Banks

30

Comparative Statement of Earnings and Expenses - Banks

33

Registered Bank Holding Companies and Subsidiary Banks

36

Bank Holding Companies Deregistered/Dissolved

47

International Bank Agencies, Banking Facilities and

Representative Offices

48

Summary of Activities of Credit Unions:

Charter Applications Approved

52

Applications for Voluntary Liquidations and/or Mergers

52

Summary of Additions and Deletions during 1984

52

Receivership Liquidations

53

List of State-Chartered Credit Unions

54

Abstract of Reports of Conditi on - Credit Uni ons. . . . . . . . . . . . . . . . . . . . . . . . . . 60

Comparative Statement of Earnings and Expenses - Credit Unions

61

List of State-Chartered Savings and Loan Associations

62

Summary of Activities of Savings and Loan Associations:

Articles of Incorporation Approved

63

Permits to Begin Business

63

Abstract of Reports of Condition - Savings and Loan Associations

64

Comparative Statement of Earnings and Expenses - Savings and Loan Associations........................................................... 65

Firms Licensed by Commissioner - Sale of Checks Act.

66

Georgia Credit Union Deposit Insurance Corporation

Statement of Assets and Liabilities

67

HISTORY OF THE DEPARTMENT
1919.00 ..... 00 .. 00.001984
The Department of Banking and Finance was created by the Executive Reorganization Plan of 1972 as successor to the Depart-
ment of Banking. The original Department of Banking was created by Act of the Legislature in 1919 con-
current with the enactment of The Banking Law which deals with the incorporation of banks and the regulation of the business of banking. Since the establishment of the Department in 1919, additional responsibilities have been assigned to the agency in the form of the Georgia Credit Union Act (1925); Trust Company Laws of Georgia
(1927); Georgia Sale of Checks Act (1965); Regulated Certificated Bank Act (1966); The Fiduciary Investment Company Act (1970); International Bank Agency Act (1972); and Georgia Business Development Corporation Act (1972). The Executive Reorganization Plan of 1972, in addition to changing the name of
the Department, provided for the Department to be headed by a Commissioner as successor to the former Superintendent of Banks and transferred to the Department the supervision of State-chartered building and loan associations. All of the foregoing Acts were subject to substantial recodification in the form of the Financial Institutions Code of Georgia (1974) which became effective April
1, 1975. Provisions of Title 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 supervision. The Georgia Credit Union Deposit Insurance Corporation (GCUDIC) was established pursuant to a 1974 Act of the General Assembly under the supervision of the Department. GCUDIC insures deposits of certain Statechartered credit unions and building and loan
associations.
-i -

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1984

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 328 State-chartered
banks, 55 National banks, 165 State-chartered credit unions, 8 State-chartered savings and loan associations and 16 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 institutions who might be engaged in economic studies or might otherwise be interested.

BANKING DIVISION

The year-end call reports reflect a continuation of sound economic growth in the banking system. Total assets for the 383 National
and State-chartered banks amounted to $39,962,852,000 reflecting an increase of $5,580,445,000 or 16.2% over 1983 assets.

Expansion of State-chartered banks through new banks, bank offices and facil ities continued. An additional 7 banks and 47 banking
offices and facilities opened during 1984. Twenty-two offices closed or merged into National banks bringing the total of such offices to 478.

During 1984, the Department approved 70 applications by bank
holding companies for permission to acquire controlling interest in additional Georgia banks and/or bank holding companies. Thirty-seven of these applications were approved to establish new bank holding companies.

Seventeen international bank agencies and five 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 institutions exercise limited trust powers in connection with individual retirement accounts authorized by the Employee Retirement Income Security Act of 1976
enacted by Congress.

Articles of Amendment of Articles of Incorporation were approved
for eleven banks to increase their outstanding capital stock. The
Department approved eleven Articles of Amendment creating authorized but unissued shares to be issued in the future. Seventeen
banks were granted permi ss i on to issue authori zed but uni ssued shares through stock dividends or sales. Amendments were approved for six banks to change the par value of their shares, for nine
banks to change their names and for two banks to acquire trust powers. Permission was granted for sixteen banks to issue subordinated securities. Twenty-three applications were approved giving consent for banks to retire subordinated securities.

- ii -

THRIFT INSTITUTIONS DIVISION
SALE OF CHECKS ACT OTHER INSTITUTIONS

SUMMARY OF CONDITION AND STRUCTUAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1984 (Continued)
Credit Unions operating under State charter have experienced steady growth during 1984. Consolidated financial and statistical reports of the 165 State-chartered credit unions reflect an increase in total assets of $130,254,000 or 11.6% to a total of $1,252,003,000. 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, 1984, were $120,540,000. 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 Union Deposit Insurance Corporation had total resources of $6,175,682 and insured deposits of 129 credit unions and 8 savings and loans having total insured deposits of $926,876,487.
The Department of Banking and Finance supervises the licensing of check sellers pursuant to the Georgia Sale of Checks Act enacted in 1965. Sixteen companies with a total of 3,456 agents throughout the State were licensed to do business under the Act during 1984.
The Department is charged with the responsibility of supervising the operations of Bank Data Processing Cooperatives, Fiduciary Investment Companies and Business Development Corporations. There is one business development corporation but no fiduciary investment companies currently operating.

- iii -

OFFICIAL ROSTER

E. D. DUNN Commissioner

ROBERT M. MOLER, CFE Deputy Commissioner

Reece V. Morris, CFE

Deputy Commissioner for Administration

John B. Kline, CFE.

Deputy Commissioner for Bank Supervision

Ban!v." InJ:Vr.ruU:A..ona. Bank. Agenc.ie.6, TfLU6U

Charles W. Burge, CFE

Deputy Commissioner for Thrift Institutions

CfLedit UnioYl..6, Building and Loan A.6.6oc.iatiOYl..6, Chec.k. Sette!L.6

David G. Sorrell, CFE

Director of Training

CoofLdinatofL 60fL TfLaining and Educ.ationa. Ac.tivitie.6

David A. Hancock

Assistant Deputy Commissioner

Grace A. Mayner

Assistant Deputy Commissioner

Larry S. Moor

Assistant Deputy Commissioner

Wayne M. Orr

Assistant Deputy Commissioner

Ralph J. Shire

;

Assistant Deputy Commissioner

C. Craig Smith

Assistant Deputy Commissioner

Exa.rrU.nation RepoM: Review, Holding Compani.e, Reloc.atioYl..6, MefLge!L.6,

and OthVr. Appuc.atioYl..6, Sec.uUUe.6 AppMVa..6,

COYl..6umefL A66aiM, Tec.hnic.a. and Lega.

Melinda G. Kinard

Senior Financial Examiner

Barbara Moore

CoofLdinatofL 60fL EVP Ac.tivitie.6

Accountant

Jeannie Benefield

Ac.c.ounting and Fi.6c.a. Administrative Assistant for Banks

Dianne Blackstone Vickie Busby

Administrative Assistant for Banks Administrative Assistant for Thrifts

Conponat: Matte!L.6, COYl..6umVr. A6 6aiM, Pending Appuc.atioYl..6,

VepaM:menJ: Bulletin, ExarrU.nation RepoM: Review,

Maggi e Smi th

S~:tic.a. Repo!L:t.6, Tec.hnic.a. and Lega. Personne1 Manager

Sonja Hencely

Pe!L.6 annel Secretary to Commissioner/Deputy Commissioner

AppoinJ:merU:.6, Con6Vr.enc.e.6 and Semina!L.6, In6ofLmation,

Fo~ and Appuc.atioYl..6

Sheila Bersch
Susan Brown Regina Buchanan
Renate Carroll Irene Cox
Marilyn Full er Marilou Harvey Richard Jones Deborah Smith
Kathleen Tucker

Senior Secretary Typist
Principal Secretary Secretary Typist
Accounting Technician Principal Clerk
Pri nci pa1 Secretary Principal Secretary
Senior Clerk Senior Secretary Typist
Principal Clerk

- iv -

DISTRICT NORTHWEST
NORTHEAST
CENTRAL
<
EAST CENTRAL
SOUTHWEST SOUTHEAST

DISTRICT DIRECTOR Jackson D. Hardy

FIE L D E XA MIN E R S

SEN IOR EXAMINERS
l~illiam Atkins James Brooks

EXAMINERS
James Emory Vi ctor Greene Larry Moody

Steven D. Bridges C. Douglas Peugh Robert H. Callier

Drexel Beck
Georgia High John H. Pennell Barry L. Rooks Larry E. Shelley Emory Stanford Hubert C. Miller

Nan Ansley Michael Killeen Ned Overby George Reynolds Tracy Whitesides James Winn
Harry Brown Bill Reed
Gary Ford Michael Hooks

Robley S. Rigdon Norman E. Mimbs

John Gavin Robert L. Herndon D. Ray Johnston Michael A. Rosser
James F. Mills Billy S. Wilson

Eugene Cline Larry T. Duke Joyce Jones John F. Sutphin
George Keaveney Jane M. Whitfield

ASSISTANT AND SENIOR ASSISTANT EXAMINERS David G. Aten Benjamin Blasingame Robert Braswell Ronald Furukawa Randy Jones Louis Otos
Janet Blackmon Princess Brown Robert Rosentreter
Jenny Neville Kevin Sharpe Sandra L. Sheley
Ann Adams Vickie Brantley Dianne H. Carswell Gary Fields William J. Mobley Steve Powell David Satterfield
Wendy Banks Kenneth Dawson Alex Miller
Patrick Brahana Ernest Coats Sarah Jenkins Mike Killingsworth Ava Lovett David Widincamp

CURRENT STAFF

/

E.D. "Jack" Dunn Commissioner

Robert M. Moler Deputy Commissioner

Reece V. Morris Deputy Commissioner
for Administration

John B. Kline Deputy Commissioner
Bank Supervision
- vi -

Charles W. Burge Deputy Commissioner of Thrift Institutions

E. Nanette Ansley

William D. Atkins

David Aten

Wendy Banks

Drexel Beck

Jeannie Benefield

Sheila Bersch

Janet Blackmon

Dianne Blackstone

Ben Blasingame

Patrick Brahana
- vii -

Vicki L. Brantley

Steve Bridges

..
James Brooks

Harry Brown

Princess Brown

Susan Brown

Victoria L. Busby

Robert Callier

Renate Carroll

Dianne Carswell

Gene Cline

Ernest D. Coats
- viii -

Irene Cox

I

Ken Dawson

Larry Duke

James Emory

Gary Ford

Marilyn Fuller

Ron Furukawa

John Gavin

Victor Greene

David Hancock

/
Jackson Hardy

Marilou Harvey
- ix -

Sonja Hencely

Larry Herndon

(;.,
Michael Hooks

Sarah B. Jenkins

D. Ray Johnston

Joyce R. Jones

Randy Jones

Richard Jones

George S. Keavene y

Michael Killeen

Melinda Kinard - X-

Ava R. Lovett

Grace Mayner

J . Alex Miller

Hubert Miller

James F. Mills

Norman E. Mimbs

Larry Moody

,/
Larry S. Moor

Barbara U. Moore

Jenny Neville

Wayne Orr

Louis Otos
- xi -

Ned Overby

John H. Pennell, II

C. Douglas Peugh

Steve Powell

Bill Reed

George Reynolds

Robley Rigdon

Barry L. Rooks

Robert J. Ro sentreter

Mike Rosser

Kevin M. Sharpe

Larry Shelley
- xii -

; ........
Ralph J . Sh ire

C. Craig Smith

Deborah Smith

Maggie Smith

David Sorrell

Emory Stanford

John Sutphin. III

Kathleen Tucker

Tracy D. Whitesides

Jane M. Whitfield

David Widincamp

Billy S. Wil son. Jr.
- xiii -

James Winn

EXAMINATION DISTRICTS AND DISTRICT WORK AREAS

T

E

N N.

N.

c.

Northwest District Marietta/Cobb
2 Northeast District Tucker/DeKalb
3 Central District College Park/Clayton
.4 East Central District Dublin/ Laurens
5 Southwest District Albany/Dougherty
6 Southeast District Douglas/ Coffee Savannah/Chatham

- xi V .

RECEIPTS AND DISBURSEMENTS FISCAL YEAR 1984

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

$2,858,614.00
214,550.00 301,863.59
6,763.00
12,035.00 11 0,965.00
5,832.80
$3,510,623.39
$2,844,680.40 226,211 .59 64,496.55 127,544.31 5,692.93 12,046.80 9,176.15 21 ,640.71 17,856.52 28,423.24 36,618.80
$3,394,388.00

- xv -

LEGAL HOLIDAYS

January 1

New Year's Day

January 19

Robert E. Lee's Birthday

February 22

George Washington1s Birthday (Observed Third Monday in February)

April 26

Confederate Memorial Day

May 30

(Observed Last Monday in May)

National Memorial Day

June 3

Jefferson Davis' Birthday

July 4

Independence Day

First Monday in September

Labor Day

October 12 ..................................................... Columbus Day (Observed Second Monday in October)

November 11

Veterans' Day

Fourth Thursday in November

Thanksgiving Day

December 25

Christmas Day

(Whenever a public and legal holiday occurs on a Saturday, the preceding Fri-
day shall be observed as a public and legal holiday. Whenever a public and legal holiday occurs on a Sunday, the following Monday shall be observed as a public and legal holiday.)

- xvi -

ARTICLES OF INCORPORATION FOR BANKS APPROVED

NAME OF BANK

LOCATION

Citizens Bank of Gwinnett
First Bank &Trust Company
Founders Guaranty Bank The Bank of Troup County
First Colony Bank Bank of Georgia

Duluth
Fayetteville McDonough
LaGrange
Alpharetta Watkinsville

APPROVED
1-27-84 1-27-84 3-12-84 5-07-84 7-18-84 10-16-84

ARTICLES OF INCORPORATION FOR INTERIM BANKS APPROVED (To facilitate acquisition of an existing bank)

NAME OF BANK

LOCATION

Taylorsville Interim Bank First State Interim Bank
BOC Interim Bank Greensboro Interim Bank
Thomson Interim Bank

Tayl orsvill e Cordele Clayton
Greensboro Thomson

APPROVED
1-18-84 5-07-84 7-27-84 8-07-84 8-07-84

MERGERS OF STATE BANKS INTO NATIONAL BANKS

NAME OF BANK

LOCATION

The Fayette State Bank into The Citizens and Southern
National Bank

Peachtree City Savannah

Bank South, Clayton
Bank of Cumming into Bank South, National
Association

Forest Park Cummi ng Atlanta

The Citizens and Southern Bank
of Effingham County into The Citizens and Southern
National Bank

Springfield Savannah

The American Bank into First National Bank in Elberton

Bowman Elberton

The Rockmart Bank into The First National Bank
of Rome, under name of Trust
Company Bank of Northwest Georgia, National Association

Rockmart Rome

EFFECTIVE 5-31-84 7-25-84
9-01-84
12-31-84 12-31-84

- 1-

PERMITS ISSUED FOR BANKS TO BEGIN BUSINESS

NAME OF BANK

LOCATION

ISSUED

Tara State Bank Trust Company Bank of Troup
County The Peoples Bank of Forsyth
County Founders Guaranty Bank
First Bank &Trust Company
The Peoples Bank of Buford
The Bank of Troup County

Riverdale LaGrange
Cumming
McDonough Fayetteville Buford LaGrange

12-27-83 3-26-84
7-12-84
7-31-84 11-05-84 12-12-84 12-13-84

PERMISSION GRANTED TO EXERCISE TRUST POWERS

NAME OF BANK
Cornelia Bank Cornelia
Gwinnett Bank &Trust Company
Norcross
Planters Bank Hawki nsvi 11 e
The Prudential Bank and Trust Company Atlanta
The Commercial Bank Dougl asvi 11 e

TYPE Full Limited Limited Limited Full

MISCELLANEOUS SUPERVISED INSTITUTIONS
The Business Development Corporation of Georgia, Inc
Bank-owned Cooperative Data Centers:* First Financial Management Corp Financial Data Services, Inc

OPENED 3-27-84 3-30-84 7-23-84 8-04-84 11-12-84 12-13-84 12-15-84
APPROVED 2-28-84 4-05-84 5-17-84 10-03-84 10-23-84
Atlanta Atlanta Atlanta

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

- 2-

MISCELLANEOUS APPLICATIONS TO AMEND ARTICLES OF INCORPORATION APPROVED

NAME OF BANK

LOCATION

NATURE OF AMENDMENT

APPROVED

Commercial Bank of Cobb County
The Citizens Bank
Planters Bank
WC Interim Bank
The Bank of Zebulon
The Crawford County Bank
Lamar State Bank
Trust Company Bank
The Citizens Bank
The Prudential Bank and Trust Company
Tennill e Banki ng Company
The First State Bank of Fitzgerald
Georgia Bank &Trust
Company First State Interim
Bank

Marietta Fort Valley Hawki nsvi 11 e Cleveland
Zebulon Roberta Barnesville Atlanta Folkston Atlanta
Tennille Fitzgera 1d Macon Corde 1e

Change Name to: First Georgia Bank of Cobb County
Acquire full Trust Powers
Acquire full Trust Powers
Change Name to: GC Interim Bank; Change Principal Office to: Elberton, Georgia
Change Name to: United Bank of Pike
Change Name to: United Bank of Crawford
Change Name to: United Bank
Restate Articles of Incorporation
Change Name to: Southeastern Bank
Change Location of Registered Office from: Fulton County to Cobb County
Change Name to: Bank South, Washington County
Change Name to: Bank South, Fitzgerald
Change Name to: Bank South, Macon
Chanqe Name to: First State Bank and Trust Company in Cordele

1-11-84 3-05-84 4-25-84 4-27-84
6-14-84 6-14-84 6-19-84 7-02-84 7-11-84 9-21-84
11-09-84 11-09-84 11-09-84 12-10-84

- 3-

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED

NAME OF BANK
Mount Vernon Bank, Survivor and
SB-Interim, Inc.
First American Bank of Walton, Survivor and
FABW Interim, Inc.
The Peoples Bank, Survivor and
Peoples Interim Corp.
Trust Company Bank of Troup County, Survivor and
Peoples Bank of LaGrange
The Bank of Edison, Survivor and
Edison Interim Corp.
Taylorsville Interim Bank, Survivor under name of Peoples Bank of Bartow County and
Peoples Bank of Bartow County
Bank South, Fitzgerald, Survivor and
Georgia Interim, Inc.
Baxley State Bank, Survivor and
Baxley Interim, Inc.
The Bank of Macon County, Survivor and
Bankshares of Georgia Interim, Inc.
Bank of Cumming, Survivor and
Bank South, Cobb Bank South, Gwinnett
Fairburn Interim Bank, Survivor under name of Fairburn Banking Company and
Fairburn Banking Company

LOCATION
Mount Vernon)
)
Waycross )
r~onroe )
) )
r~onroe )
Eatonton)
)
Eatonton)
LaGrange)
)
)
LaGrange)
Edison)
)
Edison)
Taylorsville)
)
Tayl orsvill e)
)
Tay10rs vi 11 e)
Fitzgera 1d)
)
Macon )
Baxley)
)
Baxley)
Montezuma)
)
Montezuma)
Cumming)
)
Marietta) Duluth )
Fairburn)
)
Fairburn)
)
Fai rburn l

ACTIVITY Merger Merger Merger Merger Merger
Merger Merger Merger Merger Merger Merger

APPROVED 1-27-84 1-30-84 2-17-84 2-23-84 3-09-84
3-16-84 5-02-84 5-15-84 6-06-84 6-08-84 6-12-84

- 4-

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED (CONTINUED)

NAME OF BANK
The Citizens Bank, Survivor under name of Southeastern Bank and
The Camden County State Bank
Security Bank and Trust Company of Albany, Survivor and
Citizens Bank
GC Interim Bank, Survivor under name of Granite City Bank and
Granite City Bank
The Chattahoochee Bank, Survivor and
Chattahoochee Interim Company
Ashburn Bank, Survivor and
Colony Interim, Inc.
Bank of Canton, Survivor and
B C Interim, Inc.
White County Bank, Survivor and
White County Interim Corporation
BOC Interim Bank, Survivor under name of Bank of Clayton and
Bank of Clayton
First Bank of Conyers, Survivor and
FB-Interim, Inc.
State Bank of Kingsland, Survivor and
Kingsland Investment Corporation
The Hinesville Bank, Survivor and
Interim Hinesville Corporation

LOCATION
Folkston) Folkston)
)
Woodbine)
Albany )
)
Co 1q u i t t )
Elberton) Elberton)
)
Elberton)
Marietta)
)
Marietta)
Ashburn )
)
Fitzgerald)
Canton)
)
Canton)
Cleveland)
)
Cleveland)
Clayton) Clayton)
)
Clayton)
Conyers)
)
Conyers)
Kingsland)
)
Kingsland)
Hinesville)
)
Atlanta )

ACTIVITY APPROVED

Merger

7-11-84

Merger

7-12-84

Merger Merger Merger Merger Merger

8-01-84 8-13-84 8-29-84 9-05-84 9-19-84

Merger

10-04-84

Merger

10-19-84

Merger

10-31-84

Merger

11-16-84

- 5-

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED (CONTINUED)

NAME OF BANK
Farmers State Bank, Survivor and
Interim Lincoln Corporation
Habersham Bank, Survivor and
Interim Habersham Corporation
Thomson Interim Bank, Survivor under name of Bank of Thomson and
Bank of Thomson
The Commercial Bank, Survivor and
Interim Commercial Corporation
First State Interim Bank, Survivor under name of First State Bank and Trust Company in Cordele and
First State Bank in Cordele
First State Bank &Trust Company,
Survivor and
The Citizens Bank and Trust Company Fort Gaines Banking Company
The Bank of Ocilla, Georgia, Survivor and
Irwin Interim, Inc.

LOCATION
Lincolnton)
)
Atlanta )
Clarkesville)
)
Clarkesville)
Thomson) Thomson)
)
Thomson)
Douglasville)
)
Douglasville)
Cordele) Cordele)
) )
Cordele)
Albany )
) )
Bainbridge) Fort Gaines)
Ocilla)
)
)
Ocilla)

ACTIVITY Merger Merger Merger Merger
Merger
Merger Merger

APPROVED 12-03-84 12-05-84
12-07-84 12-10-84
12-10-84
12-13-84 12-27-84 12-28-84

-6-

BRANCH BANKS AS OF DECEMBER 31, 1984

NAME OF BANK
First State Bank &Trust Company
Albany
Security Bank and Trust Company of Albany Albany
Trust Company Bank of South Georgia, National Association Albany
Heritage Bank Alpharetta
The First National Bank of Athens Athens
Bank South, National Association Atlanta
First Georgia Bank Atlanta
The First National Bank of Atlanta Atlanta
The National Bank of Georgia Atlanta
Trust Company Bank Atlanta
American National Bank of Brunswick Brunswick
The First National Bank of Brunswick Brunswick
Cohutta Banking Company Chatsworth
Columbus Bank and Trust Company Columbus

CHARTER COUNTY Dougherty
Dougherty

BRANCH COUNTIES Decatur
Mi 11er

Dougherty

Thomas

Fulton Clarke Fulton
Fulton Fulton
Fulton Fulton Glynn Glynn Murray Muscogee

DeKa1b, Gwi nnett
Morgan
Chatham, Clarke, Clayton, Cobb, DeKalb, Forsyth, Gwinnett, Muscogee DeKa 1b
Bartow, Bibb, Clayton, Cobb, DeKalb, Hall, Houston, Richmond, Sumter Cl ayton, Cobb, DeKalb, Gwinnett Cayman Islands, Cherokee, DeKalb Wayne
Ware
Walker
Chattahoochee, Marion

- 7-

BRANCH BANKS AS OF DECEMBER 31, 1984 (CONTINUED)

NAME OF BANK
The First National Bank of Columbus Columbus
The First National Bank of Dalton Da lton
Fidelity National Bank Decatur
Southeastern Bank Folkston
First South Bank Fort Valley
Commercial Bank &Trust Company
Griffin
Citizens Community Bank Hahira
The Coastal Bank Hinesville
Trust Company Bank of Middle Georgia, National Association Macon
Trust Company Bank of Northwest Georgia, National Association Rome
The Citizens and Southern National Bank Savannah

CHARTER COUNTY Muscogee ~~hitfi e1d DeKa 1b Charlton Peach Spalding Lowndes Liberty Bibb
Floyd
Chatham

BRANCH COUNTIES Chattahoochee
Gordon
Fulton
Brantley, Camden
Johnson, Macon
Fayette, Henry, Pike Brooks
Long
Houston
Polk
Bartow, Ben Hill, Bi bb , Butts, Clarke, Clayton, Cobb, Colquitt, Decatur, DeKalb, Dougl as, Effi nqham, Fayette, Fulton, Gwinnett, Hart, Henry, Houston, Lowndes, Polk, Richmond, Thomas, Tift, Whitfield

-8-

BANK OFFICES/FACILITIES APPROVED BUT UNOPENED AS OF DECEMBER 31, 1984

PARENT BANK

LOCATION

NAME OF BANK OFFICE

OR FACILITY

LOCATION

Heritage Bank

Alpharetta

Facil ities Kroger Store #123 Kroger Store #206
Kroger Store #242 Kroger Store #247

Atlanta Atlanta
Atlanta Union City

First Georgia Bank

Atlanta

Old National Office Co 11 ege Park

Dunwoody Office

Dunwoody

Trust Company Bank

Atlanta

Piedmont Center East Atlanta

Ravinia Office

Atlanta

Citizens Bank

Ball Ground

Woodstock Office

Woodstock

Bank of Danielsville Danielsville Dogsborough Office Hull

Dawson County Bank

Dawsonvi 11 e

Georgia 400 Facility Dawsonvi 11 e

The Commercial Bank

Douglasville

Fairburn Road Office Douglasville Thornton Road Office Lithia Springs

Bank of Columbia County Harlem

Appling Office

Appling

The Bank of LaFayette, LaFayette Georgia

Rock Spring Office Rock Spring

The Citizens and Southern Bank of West Georgia

LaGrange

Lee's Crossing Offi ce

LaGrange

Commercial Bank &
Trust Company of Troup County

LaGrange

Lee's Crossing Office

LaGrange

Trust Company Bank of Gwinnett County

Lawrenceville Gwinnett Medical Center Office

Lawrenceville

Georgia State Bank

Mableton

Powder Springs Office

Powder Springs

Georgia State Bank

Martinez

Belair at Columbia Martinez Road Facil i ty

Richland Banking Company

Richland

Richland Banking
Company Lumpkin Facility

Lumpkin

Roswell Bank

Roswell

Alpharetta Office
Medical Center Office

Alpharetta Roswell

- 9-

BANK OFFICES/FACILITIES APPROVED BUT UNOPENED (CONTINUED)

PARENT BANK

LOCATION

NAME OF BANK OFFICE OR FACILITY

Farmers and Merchants Senoia Bank of Senoia

Downtown Facility

West Georgia Bank of Tall apoosa

Tall apoosa

North Tallapoosa Office

The Park Avenue Bank Valdosta

Downtown Offi ce

LOCATION Senoia Tall apoosa Valdosta

- 10 -

STATE BANKS IN LIQUIDATION

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

LOCATION Atlanta

DATE CLOSED DEPOSITORY

10-08-76

NA $4,437,622 *$1 ,461 ,731

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

Augusta

05-20-77

NA $4,320,861 *$ 625,459

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

Boston

03-17-81

NA $1,134,878 *$ 257,990

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

Doerun

01-05-79

NA
o
*$ 122,763

*The value of remalnlng 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.

- 11 -

BANK AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1984

STATE CHARTERED
BANKS

BRANCHES BANK OFFICES
& FACILITIES

IN OPERATION JANUARY 1, 1984

. 334

453

BANKS OPENED DURING yEAR........................... +7

The Peoples Bank of Buford
Buford, (12-13-84) The Peoples Bank of Forsyth County
Cumming, (7-23-84) Citizens Bank of Gwinnett
Duluth, (4-16-84)
First Bank &Trust Company
Fayetteville, (11-12-84) The Bank of Troup County
LaGrange, (12-15-84) Trust Company Bank of Troup County
LaGrange, (3-30-84) Founders Guaranty Bank
McDonough, (8-04-84)
Tara State Bank Riverdale, (3-17-84)*

BANKS DELETED BY MERGERS.....

-12

The Citizens Bank and Trust Company Bainbridge, (12-31-84)
The American Bank Bowman, (12-31-84)
Citizens Bank Colquitt, (8-31-84)
Bank of Cumming Cumming, (7-25-84)
Bank South, Gwinnett Duluth, (7-25-84)
Bank South, Clayton Forest Park, (7-25-84)
Peoples Bank of LaGrange LaGrange, (3-30-84)
Bank South, Cobb Marietta, (7-25-84)
The Fayette State Bank Peachtree City, (5-31-84)
The Rockmart Bank Rockmart, (12-31-84)
The Citizens and Southern Bank of Effingham
County Springfield, (9-01-84) The Camden County State Bank Woodbine, (7-11-84)
*Inc1uded in January 1, 1984, total.

- 12 -

BANK AND BANK OFFICE ADDITIONS AND DELETIONS (CONTINUED)

STATE CHARTERED
BANKS

BANK OFFICES, BRANCHES, AND FACILITIES OPENED

DURING yEAR

.

Montgomery County Bank, Ailey Vidalia Office, Vidalia, (10-11-84)
First State Bank &Trust Company, Albany
Bainbridge Branch, Bainbridge, (12-31-84) Security Bank and Trust Company of Albany,
Albany Colquitt Branch, Colquitt, (8-31-84) Heritage Bank, Alpharetta Heritage Bank Building Office
Atlanta, (7-02-84)
Facilities
Kroger Store #218, Atlanta, (7-02-84) Kroger Store #259, Atlanta, (6-18-84) Kroger Store #313, Atlanta, (4-30-84) Kroger Store #324, Atlanta, (3-05-84) Kroger Store #210, Chamblee, (5-29-84) Kroger Store #300, Chamblee, (3-26-84) Kroger Store #246, Decatur, (11-20-84) Kroger Store #327, Duluth, (3-16-84) Kroger Store #230, Lilburn, (12-13-84) Kroger Store #336, Roswell, (3-23-84) Kroger Store #262, Stone Mountain, (4-09-84) Ashburn Bank, Ashburn Pigg1y Wiggly Supermarket Bank Office,
Ashburn, (12-17-84) First American Bank and Trust Company, Athens
North Athens Office, Athens, (12-21-84) First Georgia Bank, Atlanta
Peachtree Center, Atlanta, (6-12-84) Holcomb Bridge Office, Roswell, (2-21-84) Trust Company Bank, Atlanta Cherokee Corners Office, Acworth, (6-11-84) Perimeter Center West Office, Atlanta,
(4-04-84) Union County Bank, Blairsville
Ingle's Facility, Blairsville, (10-24-84) Farmers State Bank, Cadwell
Dublin Office, Dublin, (10-29-84) Etowah Bank, Canton
Ingles Facility, Acworth, (5-21-84) North Canton Office, Canton, (7-23-84) Bartow County Bank, Cartersville Felton's Crossing Facility, Cartersville,
(12-05-84)

BRANCHES BANK OFFICES
& FACILITIES
+47

- 13 -

BANK AND BANK OFFICE ADDITIONS AND DELETIONS (CONTINUED)

STATE CHARTERED
BANKS

BANK OFFICES, BRANCHES, AND FACILITIES OPENED

(CONTINUED)

.

Rabun County Bank, Clayton North Rabun Office, Dillard, (4-16-84)
White County Bank, Cleveland Village Plaza Facility, Cleveland, (4-09-84)
Merchants and Farmers Bank of Comer Georgia, Comer Dogsboro Office, Athens, (10-16-84)
Cornelia Bank, Cornelia Ingle's Supermarket Facility, Cornelia, (1-09-84)
The Citizens Bank, Dallas, Georgia, Dallas Ingle's Supermarket Facility, Dallas (6-20-84)
Douglas County Bank, Douglasville Thornton Road Office, Lithia Springs (3-15-84)
Bank South, Gwinnett, Duluth Gwinnett Place Office, Duluth, (4-16-84)
Citizens Bank &Trust Company, Eastman
Chauncey Office, Chauncey, (6-18-84) Southeastern Bank, Folkston
Woodbine Branch, Woodbine, (10-01-84) The Citizens Bank, Gainesville
Ingles Facility, Gainesville, (6-07-84) Trust Company Bank of Gwinnett County,
Lawrenceville Gwinnett Place Mall Office, Duluth,
(6-11-84) Founders Guaranty Bank, McDonough
Ingles Supermarket Facility, Stockbridge,
(10-05-84)
Gwinnett Bank &Trust Company, Norcross
Rockbridge Facility, Norcross, (12-10-84) Bank of Quitman, Quitman
Troupeville Office, Valdosta, (2-20-84) Roswell Bank, Roswell
Old Alabama Road Office, Roswell, (2-21-84) Sylvester Banking Company, Sylvester
Piggly Wiggly Supermarket Facility, Sylvester, (8-20-84)
Commercial Bank, Tallapoosa Holcombe's Super Valu Facility, Tallapoosa,
(2-10-84) Smith's Super Market Facility, Tallapoosa,
(2-10-84) Waco Office, Tallapoosa, (9-17-84)

BRANCHES BANK OFFICES
& FACILITIES

- 14 -

BANK AND BANK OFFICE ADDITIONS AND DELETIONS (CONTINUED)

STATE CHARTERED
BANKS

BANK OFFICES, BRANCHES, AND FACILITIES OPENED

(CONTINUED)

.

Peoples Bank of Bartow County, Taylorsville Downtown Cartersville Office, Cartersville,
(2-16-84) Kroger Store #293 Facility, Cartersville,
(11-19-84)

BANK OFFICES, BRANCHES, AND FACILITIES DISCONTINUED

DURING yEAR

.

Georgia Railroad Bank &Trust Company, Augusta,
Center West Office, Augusta, (9-21-84) The American Bank, Bowman
The Elberton Office, Elberton, (12-31-84) Bank of Cumming, Cumming
Tri-County Mall Office, Cumming, (7-24-84) Bank South, Gwinnett, Duluth
Gwinnett Place Office, Duluth, (7-24-84) Lilburn Crossing Office, Lilburn, (7-24-84) Norcross-Rockbridge Office, Norcross,
(7-24-84) Bank South, Clayton, Forest Park
College Park Branch, College Park, (7-25-84) South Fulton Office, College Park, (7-25-84) Jonesboro Office, Jonesboro, (7-25-84) Morrow Road Office, Morrow, (7-25-84) North Clayton Office, Morrow, (7-25-84) Southlake Office, Morrow, (7-25-84) Riverdale Office, Riverdale, (7-25-84) Bank South, Cobb, Marietta Cherokee Road Office, Marietta, (7-25-84) Sprayberry Crossing Office, Marietta,
(7-25-84) Vinings Junction Facility, Smyrna, (7-25-84) The Fayette State Bank, Peachtree City Fayetteville Office, Fayetteville, (5-31-84) Glenloch Office, Peachtree City, (5-31-84) Tyrone Office, Tyrone, (5-31-84) The Rockmart Bank, Rockmart Motor Bank Facility, Rockmart, (12-31-84) The Citizens and Southern Bank of Effingham County, Springfield Rincon Office, Rincon, (9-01-84) Commercial Bank, Tallapoosa Northside Facility, Tallapoosa, (2-10-84)
In Operation December 31, 1984...................... 329 (Includes Reliance Trust Company, Atlanta)
- 15 -

BRANCHES BANK OFFICES
& FACILITIES
-22
478

CITY
Abbeville
Adai rsvi 11 e Adel
Ailey Al amo Alapaha Albany
Allentown ...... Alma
en
Al pharetta Americus
Arlington Ashburn
Athens
Atlanta

-COU-NT-Y
Wilcox
Bartow Cook
Montgomery Wheeler Berrien Dougherty
Wilkinson Bacon
Fulton Sumter
Calhoun Turner
Clarke
Fulton

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER DATE

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

10-04-1972 4-22-1952 3-21-1899 2-27-1929 12-11-1947 2-24-1926 1-15-1945 3-04-1905 5-06-1943 3-31-1961 4-17-1970
8-18-1941 7-28-1981
9-23-1970 2-20-1937 10-01-1973 8-27-1935 7-03-1900 7-27-1905 9-24-1949
7-12-1921 3-22-1934
7-20-1945 2-11-1981
9-21-1891

BEGIN

NO.

BUSINESS OFF.

10-04-1972 0 4-22-1952 1 3-24-1899 1 3-01-1929 1 1-15-1948 0 3-01-1926 1 1-17-1945 1 3-25-1905 2 6-01-1943 6 3-31-1961 6
8-31-1970 3

9-15-1941 0 7-28-1981 1
3-04-1971 22 3-25-1937 2 10-28-1974 1 3-01-1936 0 7- -1900 1 10-25-1905 0 11-01-1949 2

8-17-1921 2 4-02-1934 16

9-04-1945 0 7-01-1981 0
11-08-1891 57

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

TOTAL ASSETS**
998 11 ,804 13,558 28,169 12,639 14,937 11,754 22,612 174,839 205,411 89,792 102,130
14,214 25,499 26,933 133,555 49,817 39,865 12,319 42,239 22,340 84,554 194,387 2,024,784 81,848 448,120 6,426,324 1,302,654 24,859 *** 78,971
3,902,850

CITY

COUNTY

Augusta

Richmond

Bainbridge Ball Ground Barnesville

Barwick Baxley

Bl ackshear

Blairsville

......
'-I

Blakely

Blue Ridge Bowdon Braselton Bremen

Brooklet Broxton Brunswick

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

Buchanan Buford Butler Byron
Cadwell

Haralson
Gwi nnett Taylor Peach Laurens

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

*Trust Company Bank of Augusta,

National Association

*Georgia Railroad Bank &Trust Company

11-15-1892 12-31-1892 15

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

United Bank

4-14-1971 6-01-1972 1

Barwick Banking Company

2-16-1967 6-01-1967 0

Baxley State Bank

8-23-1917 8-25-1971 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 1

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

Braselton Banking Company

12-13-1948 12-18-1948 0

The Citizens &Merchants Bank

6-09-1970 11-16-1970 0

Commercial &Exchange Bank

12-17-1983 1-31-1984 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 Peoples Bank of Buford

12-20-1983 12-13-1984 0

The Citizens State Bank

9-04-1926 9-04-1926 0

Middle Georgia Bank

10-30-1962 2-04-1963 1

Farmers State Bank

8-23-1972 8-23-1972 1

TOTAL ASSETS**
171,482
578,586 39,083 28,894 38,108 27,104 4,107 49,212 20,559 16,518 24,163 12,373 52,336 28,728 29,464 44,529 43,778 3,887 12,588 25,443 22-,130 14,884 148,935 53,972 182,406 31,441 4,867 25,349 27,677 7,149

*Member Federal Reserve System **Amounts are in thousands

CITY

COUNTY

Cairo

Grady

Calhoun Cami 11 a

Gordon Mitchell

Canton

Cherokee

Carnesville Franklin Carrollton Carroll

Cartersville Bartow

Cave Spring Floyd

.c...o.. Cedartown Chatsworth

Polk Murray

Chester

Dodge

Chickamauga Walker

Clarkesville Habersham

Clarkston DeKalb

Claxton

Evans

Clayton

Rabun

Cleveland White

Cobbtown Cochran

Tattna 11 Bleckley

Co 1quitt Miller

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

Cairo Banking Company

11-23-1903 11-23-1903 1

Cit i zens Bank

12-03-1903 1-01-1904 0

*First National Bank of Grady County

*The Calhoun First National Bank

Bank of Camilla

11-04-1889 1-02-1890 0

Planters &Citizens Bank

9-20-1904 5-24-1913 0

Bank of Canton

11-17-1892 12-18-1892 2

Etowah Bank

1-22-1927 1-29-1927 3

First Bank and Trust

7-18-1960 8-01-1960 1

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 Carrollton

Bartow County Bank

6-07-1973 3-28-1974 3

Bank of Cave Spring

12-15-1966 6-15-1967 0

*The First National Bank of Polk County

Cohutta Banking Company

7-17-1905 1-24-1906 4

*The First National Bank of Chatsworth

Bank of Dodge County

6-14-1966 9-26-1966 1

Bank of Chickamauga

2-16-1910 5-10-1910 1

Habersham Bank

5-13-1904 5- -1904 2

Citizens DeKalb Bank

4-10-1969 3-06-1970 5

The. Claxton Bank

2-24-1941 2-24-1941 2

Tippins Bank &Trust Company

8-30-1940 9-03-1940 1

Bank of Clayton

10-18-1984 10-18-1984 1

Rabun County Bank

5-01-1974 10-10-1975 1

The Peoples Bank

12-11-1945 7-01-1946 1

White County Bank

12-02-1975 10-29-1976 2

The Brown Bank

6-24-1970 6-24-1970 0

Cook Banking Company

4-24-1942 7-01-1942 0

State Bank of Cochran

12-22-1921 1-05-1922 0

The Peoples Bank

3-16-1973 10-19-1973 0

TOTAL ASSETS**
39,386 9,257 24,305 104,048 32,005 42,713 84,787 82,284 35,102 18,128 87,487 62,907 29,434 6,522 50,695 65,994 25,991 7,438 23,270 82,928 37,323 31,224 18,950 66,990 19,322 124,793 37,107 4,904 19,363 29,996 20,993

*Member Federal Reserve System **Amounts are in thousands

CITY

COUNTY

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

Columbus
Comer Commerce Conyers Coolidge Cordele
I--'
I.D Cornelia Covington Crawford Crawfordville Cumming Cuthbert Dahlonega Da11 as

Muscogee Columbus Bank and Trust Company

*The First National Bank of Columbus

*The National Bank and Trust Company

of Columbus, Georgia

Madison Merchants and Farmers Bank of Comer

Georgia

Jackson *The First National Bank of Commerce

Northeastern Banking Company

Rockdale First Bank of Conyers

Trust Company Bank of Rockdale

Thomas

Farmers and Merchants Bank of

Thomas County

Crisp

Cordele Banking Company

First State Bank and Trust Company

in Cordele

Habersham Cornelia Bank

*First National Bank of Habersham

Newton

The Bank of Covington

*First National Bank of Newton County

Oglethorpe The Commercial Bank

Taliaferro The Peoples Bank

Forsyth Forsyth County Bank

The Peoples Bank of Forsyth County

Randolph Citi zens Bank

First State Bank of Randolph County

Lumpkin Bank of Dahlonega

Lumpkin County Bank

Paulding The Citizens Bank, Dallas, Georgia

*The First National Bank of

Paulding County

12-14-1888 4-01-1889 14
10-03-1935 10-10-1935 2
11-17-1981 5-28-1982 0 11-17-1969 6-24-1970 2 10-15-1891 6- -1901 2 12-18-1911 11-20-1911 1
5-31-1927 6-15-1927 1 12-31-1984 12-31-1984 1
7-03-1900 8-04-1900 4 9-14-1979 9-15-1979 0 4-10-1901 4-10-1901 1
9-02-1924 9-05-1924 0 12-08-1947 1-02-1948 0 6-15-1964 9-26-1964 1 12-20-1983 7-23-1984 0 2-07-1938 3-01-1938 0 12-31-1958 1-02-1959 1 5-27-1914 5-27-1914 1 5-06-1981 12-14-1982 0 7-23-1962 3-15-1963 3

TOTAL ASSETS**
525,943 338,381 161,137
17,551
46,601 19,008 47,158 99,706 10,390
42,877 41,750
69,171 61,072 97,020 45,283 16,806 15,791 71 ,067 10,085 23,742 19,686 60,127 11,106 34,927 63,374

*Member Federal Reserve System **Amounts are in thousands

CITY

COUNTY

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

Dalton

Whitfi e1d The Bank of Dalton

*The First National Bank of Dalton

Hardwick Bank &Trust Company

Danielsville Madison Bank of Danielsville

Darien

McIntosh The Darien Bank

Dawson

Terre 11 Bank of Dawson

Bank of Terrell

Dawsonville Dawson

Dawson County Bank

Decatur

DeKalb *Fidelity National Bank

Dexter

Laurens The Knight State Bank

Donalsonville Seminole Commercial State Bank

Merchants and Farmers Bank

Douglas

Coffee

Coffee County Bank

The Exchange Bank

N

Trust Company Bank of Coffee County

0 Do ug1asvi 11e Dougl as The Commercial Bank

Douglas County Bank

Trust Company Bank of Douglas County

Dublin

Laurens The Citizens and Southern Bank

of Dublin

Farmers and Merchants Bank

The Morris State Bank

Dudley

Laurens Bank of Dudley

Duluth

Gwinnett Citizens Bank of Gwinnett

Eastman

Dodge

Bank of Eastman

Citizens Bank &Trust Company

Eatonton

Putnam

Farmers &Merchants Bank

The Peoples Bank

Edison

Calhoun The Bank of Edison

Elberton

Elbert *The First National Bank in Elberton

Granite City Bank

10-30-1979 10-12-1912 2

2-17-1922 2-20-1922 3 12-11-1904 1-15-1908 0 12-08-1888 1-24-1889 1 6-29-1911 7-01-1911 0 3-23-1936 5-01-1936 1 7-01-1953 7-13-1953 0

1-30-1967 2-01-1967 0 10-21-1938 12-16-1938 1 9-24-1925 9-24-1925 1 6-19-1931 7-01-1931 0 5-11-1971 5-11-1971 1 5-22-1945 7-05-1945 2 4-24-1942 5-01-1942 2 5-18-1973 6-24-1974 1 8-11-1959 5-09-1960 3 10-29-1928 11-01-1928 3

5-26-1910 7-06-1910 3

7-31-1958 10-02-1958 1

10-02-1905 11- -1905 0

1-31-1984 4-16-1984 0

12-18-1918 1-02-1919 0

3-12-1949 4-01-1949 2

10-30-1922 11-15-1922 0

3-16-1944 5-01-1944 0

9-24-1904

1904 0

8-31-1984 8-31-1984 2

TOTAL ASSETS**
58,791 234,278 122,956 12,244 25,570 35,064 42,240 20,954 91,663 10,788 27,213 23,420 35,209 25,771 83,203 79,476 12,808 66,365 102,459
87,823 50,586 22,899 14,341 37,538 35,512 31,789 28,695 19,976 78,106 69,477

*Member Federal Reserve System **Amounts are in thousands

CITY

COUNTY

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

Ellaville

Schley

Bank of Ellaville

Ell i jay

Gi lmer

The Bank of Ellijay

First State Bank of Gilmer County

Fairburn

Fulton

Fairburn Banking Company

Fayettevi lle Fayette Farmers and Merchants Bank

First Bank &Trust Company

F i t z g e r a 1d

Ben Hi 11 The Bank of Fitzgerald

Bank South, Fitzgerald

Folkston

Charlton Southeastern Bank

*First National Bank of Folkston

Forysth

Monroe

The Farmers Bank

First Citizens Bank

Monroe County Bank

Fort Gaines Clay

Fort Gaines Banking Company

N Fort Oglethorpe Catoosa

f->
Fort Valley

Peach

Fort Oglethorpe State Bank 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

Glennville

Tattna11 First Citizens Bank

The Glennville Bank and Trust Company

Gordon

Wilkinson The Gordon Bank

Gray

Jones

Bank of Gray

Greensboro

Greene

Bank of Greensboro

Citizens Union Bank

Greenville

Meriwether The Greenville Banking Company

Griffi n

Spalding The Bank of Griffin

Commercial Bank &Trust Company

*First National Bank of Griffin

9-10-1910 9-16-1910 0 5-21-1914 6-01-1914 1 11-05-1973 8-29-1974 0 7-16-1984 7-16-1984 1 2-16-1906 3-13-1906 2
2-09-1984 11-12-1984 0 11-10-1975 4-15-1976 1 5-24-1948 7-19-1948 1 9-30-1981 9-30-1981 3

3-09-1910

1910 0

2-17-1920 3-01-1920 0

11-02-1908 10-15-1908 0

2-11-1937 1-15-1937 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 4

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

6-08-1967 8-16-1968 1

10-11-1889 10-09-1890 8

TOTAL ASSETS**
14,173 46,391 21,316 37,681 58,190 5,643 39,571 39,876 52,475 15,373 20,455 18,541 34,243 16,778 29,141 48,694 33,897 15,458 70,336 319,637 3,472 26,958 29,659 13,953 20,622 37,952 35,162 11,804 36,251 187,967 63,526

*Member Federal Reserve System **Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Haddock

Jones

Jones County Bank

Hahira

Lowndes Citizens Community Bank

Commercial Banking Company

Harlem

Columbia Bank of Columbia County

Hartwell

Hart

Bank of Hartwell

Hawkinsville Pulaski Pl anters Bank

The Pulaski Banking Company

Hazlehurst

Jeff Davi s Bank of Hazlehurst

Jeff Davi s Bank

Hiawassee

Towns

Bank of Hiawassee

Hinesville

Liberty The Coastal Bank

The Hinesville Bank

Hogansville Troup

The Citizens Bank

Homer

Banks

Bank of Banks County

N N

Homerville

Irwinton

Clinch

Empire Banking Company

Wilkinson Wilkinson County Bank

Jackson

Butts

McIntosh State Bank

Jasper

Pickens Jasper Banking Company

Pickens County Bank

Jefferson

Jackson *The First National Bank of Jackson

County

Jeffersonville Twiggs

Peoples State Bank

Jesup

Wayne

*The First National Bank of

Wayne County

Jonesboro

Clayton Trust Company Bank of Clayton County

Kingsland

Camden

Citizens State Bank

State Bank of Kingsland

LaFayette

Walker

The Bank of LaFayette, Georgia

LaGrange

Troup

The Bank of Troup County

The Citizens and Southern Bank of

West Georgia

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

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 1-17-1945 3-12-1945 0 8-25-1976 6-18-1977 0

12-10-1969 12-10-1969 0

10-06-1903 11-17-1903 5

7-29-1981 7-29-1981 0

11-26-1912 12- -1912 0

11-13-1889

1889 1

6-06-1984 12-15-1984 0

7-23-1937 8-02-1937 3

TOTAL ASSETS**
2,714 20,825 10,920 20,299 26,731 36,735 31,654 21,174 18,823 41,077 50,939 47,240 15,065 18,284 21,478 14,044 27,892 45,635 18,661 25,865
6,486 38,358
77 ,328 7,778 12,383 60,400 4,080 101,786

*Member Federal Reserve System **Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY
LaGrange
Lakeland Lavonia Lawrenceville
Leary Leesburg Lenox Leslie Lexington Lincolnton Nw Lithonia Loganvi lle Louisville Lumber City Lumpkin Lyons Mableton Macon
Madison Manchester
Mansfield Marietta

COUNTY

NAME OF BANK

Troup

Commerci al Bank &Trust Company of

Troup County

Trust Company Bank of Troup County

Lanier

Farmers and Merchants Bank

Franklin Northeast Georgia Bank

Gwinnett *The Brand Banking Company

*First National Bank of Gwinnett County

Trust Company Bank of Gwinnett County

Calhoun Jordan Banking Company

Lee

The State Bank of Leesburg, Georgia

Cook

Bank of Lenox

Sumter

Farmers &Merchants Bank

Oglethorpe Citizens Banking Company

Lincoln Farmers State Bank

DeKalb

The Peoples Bank

Walton

Bank of Loganville

Jefferson *The First National Bank of Louisville

Te lfai r Bank of Lumber City

Stewart Farmers State Bank

Toombs

The Peoples Bank of Lyons, Georgia

Cobb

Georgia State Bank

Bibb

Bank South, Macon

Central Bank of Georgia

*Trust Company Bank of Middle Georgia,

N. A.

Morgan

Bank of Madison

Meriwether Bank of Manchester

F &MBank and Trust Company

Newton

Newton County Bank

Cobb

The Chattahoochee Bank

First Georgia Bank of Cobb County

*The First National Bank of Cobb County

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

7-08-1941 9-15-1941

3-30-1984 3-30-1984 2

4-08-1907

1907 0

9-20-1940 9-23-1940 2

6-02-1905 7-17-1905 2

1-11-1971 9-16-1971 6

12-30-1965 1-03-1966 0

4-09-1947 12-01-1947 1

6-20-1907 6-25-1907 0

12-19-1940 1-02-1941 0

2-07-1949 3-10-1949 0

9-26-1911 12-02-1911 0

8-26-1910

1910 1

5-06-1946 10-05-1946 0

5-22-1945 7-02-1945 0
10-21-1911 12- -1911 1 5-04-1935 6-01-1935 1 9-15-1981 3-03-1982 7
6-09-1960 7-01-1960 6 10-12-1982 2-01-1983 3

12-26-1888 1-01-1890 0 1-28-1910 2-02-1910 0 10-07-1947 2-21-1948 1 12-19-1945 3-01-1946 1 9-09-1983 11-15-1983 0 10-30-1979 10-30-1979 6

*Member Federal Reserve System **Amounts are in thousands

TOTAL ASSETS**
60,869
46,970 25,298 38,582 80,598 146,425 84,788 5,085 12,032 7,825 8,772 13,786 25,462 34,337 14,186 39,982 6,377 9,938 24,802 127,797 165,175 55,083 332,477
23,144 36,364 10,483 10,061 47,090 124,994 377 ,494

LIST OF STATE AND NATIONAL BANKS

CITY
Martinez McDonough
McRae Meigs Metter Midville Milan Milledgeville
N
~
Mi 11 en
Molena Monroe
Montezuma
Mont i ce11 0
Moultrie
Mount Vernon Nashville

COUNTY

NM1E OF BANK

Columbia Georgia State Bank

Henry

Founders Guaranty Bank

*Trust Company Bank of Henry County,

National Association

Telfair The Merchants & Citizens Bank

The Security State Bank

Thomas

Bank of Meigs

Candler Metter Banking Company

Pineland State Bank

Burke

Bank of Midville

Telfair Bank of Milan

Baldwin The Citizens and Southern Bank of

Mi lledgevi Ile

Exchange Bank

The Merchants and Farmers Bank of

Milledgeville

Jenkins Bank of Millen

Ogeechee Valley Bank

Pike

Bank of Molena

Walton

First American Bank of Walton

*The National Bank of Walton County

Macon

The Bank of Macon County

First United Bank

Jasper

Bank of Monticello

Bank South, Jasper County, National

Association

Co 1quitt American Banking Company

*Moultrie National Bank

Montgomery Mount Vernon Bank

Berrien The Citizens Bank

The United Banking Company

CHARTER DATE
7-05-1909 3-21-1984

BEGIN

NO.

BUSINESS OFF.

8-01-1909 2 8-04-1984 1

3-28-1929 3-28-1929 0 8-23-1972 8-23-1972 0 5-08-1903 6- -1903 0
/-25-1930 8-26-1935 0 12-27-1961 10-15-1962 0 4-13-1945 5-21-1945 0 12-05-1906 10- -1906 0 2-28-1874 10-13-1884 1

5-20-1903 6-01-1903 2 3-22-1898 3- -1898 1

1-04-1893 3-01-1893 0 9-01-1972 1-07-1974 0 10-07-1901 3- -1899 0 1-01-1906 1-01-1906 2

~-24-1978

2-24-1978

1

10-23-1948 1-10-1949 1

2-08-1964 2-10-1964 0

8-13-1971 10-01-1971 1

12-21-1900 1-24-1901 0

~-19-1943

3- -1943 1

/-10-1924 7-15-1924 1

TOTAL ASSETS**
56,472 6,312 73,745
19,876 19,472 5,051 39,411 12,894 7,760 10,258 88,438
52,019 39,906
26,750 11,825 7,066 57,253 69,069 44,213 28,796 19,628 22,067
44,086 84,396 21,205 26,012 18,041

*Member Federal Reserve System **Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY
Newington Newnan
Newton Nicholls Norcross Oc ill a
Omega Pa lmetto Patterson Pavo Pearson N Pelham
U1
Pembroke Perry
Pine Mountain Pineview Pitts Preston Quitman
Reidsville Reynolds Rhine Richland Ringgold

COUNTY
Screven Coweta
Baker Coffee Gwi nnett Irwin
Tift Fulton Pierce Thomas
Mitche 11
Bryan Houston
Harris Wi Icox Wi Icox Webster Brooks
Tattna 11 Taylor Dodge Stewart Catoosa

NAME OF BANK
l3ank of Newington l3ank of Coweta The Citizens and Southern Newnan Bank *First National Bank in Newnan Baker County Bank Nicholls State Bank
Gwinnett Bank &Trust Company
The Bank of Ocilla, Georgia The First State Bank of Ocilla South Georgia Banking Company First Fulton Bank and Trust The Patterson Bank Pavo State Bank Ihe Citizens Exchange l3ank Farmers l3ank of Pelham Pelham l3anking Company The Pembroke State Bank Ihe l3ank of Perry *l3ank South, Houston County National
Association Farmers and Merchants Bank Pineview State Bank Pitts Banking Company Bank of Webster Bank of Quitman *The Citizens National Bank of Quitman The Tattnall Bank lhe Citizens State l3ank Williams Banking Company Richland Banking Company Northwest Georgia Bank

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

7-07-1919 8-14-1919 0 2-11-1972 10-06-1972 2 2-25-1955 2-25-1955 2

10-04-1906 10-15-1906 0

12-02-1952 1-02-1953 0

9-11-1967 3-01-1968 6

9-20-1956 10-01-1956 0

5-11-1943 6-01-1943 1

4-15-1970 4-15-1970 1

6-29-1918 7-10-1918 2

6-19-1907 6-19-1907 0 6-24-1971 6-24-1971 0

1-19-1943 5-12-1945 0

8-25-1902 9-01-1902 2

12-04-1936 12-08-1936 0

12-29-1937 2-11-1938 1

8-20-1889

1889 1

3-22-1909 4-19-1909 2 9-20-1910 9-20-19+0 0 6-02-1906 6- -1906 0 6-29-1970 6-29-1970 0 12-26-1888 12-31-1888 2
9-14-1900 10-22-1900 1 9-08-1922 9-08-1922 0 8-04-1947 10-01-1947 0 10-13-1927 10-15-1927 0 4-08-1983 2-08-1984 4

TOTAL ASSETS**
4,370 41,683 62,376 73,604 9,159 11,808 111,476 27,118 24,489 28,257 24,992
9,092 5,595 10,591 33,831 26,998 28,928 38,820 46,601
34,065 7,155 6,606 5,260 21,499 17,143 26,500 15,185 9,809 9,330 57,544

*Member Federal Reserve System **Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Riverdale

Clayton Tara State Bank

Roberta

Crawford United Bank of Crawford

Rochelle

Wilcox

Rochelle State Bank

Rome

Floyd

The Georgia State Bank of Rome

*The National City Bank of Rome

The Rome Bank and Trust Company

*Trust Company Bank of Northwest

Georgia, National Association

Rossville

Walker

Rossvi 11 e Bank

Roswell

Fulton

Roswell Bank

Royston

Franklin Tri-County Bank of Royston

Rutledge

Morgan

Bank of Rutledge

St. Marys

Camden *First National Bank of Camden County

Peoples Bank

N
en

Sandersville

Washington Citizens Bank of Washington County

The Geo. D. Warthen Bank

Sardis

Burke

Bank of Sardis

Savannah

Chatham The Carver State Bank

*The Citizens and Southern National Bank

First Bank of Savannah

*Savannah Bank and Trust Company of

Savannah

Southern Bank and Trust Company

*Trust Company of Georgia Bank of

Savannah, N.A.

Senoia

Coweta

Farmers and Merchants Bank of Senoia

Smyrna

Cobb

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

Social Circle Walton

Georgia Central Bank

Soperton

Treutlen The Bank of Soperton

Sparta

Hancock Bank of Hancock County

United Security Bank

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

2-07-1983 3-17-1984 0 1-07-1901 1-08-1901 0 7-08-1947 8-01-1947 0 4-02-1976 1-05-1978 1

4-05-1945 10-01-1945 3

7-01-1963 12-13-1963 2 3-01-1901 3- -1901 4 8-09-1941 9-01-1941 1 9-24-1898 10-01-1898 0 10-01-1982 10-01-1982 5-07-1973 5-07-1973 1 1-06-1965 5-03-1965 1 3-18-1957 3-18-1957 1 4-27-1945 7-02-1945 0 4-29-1947 6-04-1947 1
7-29-1909 8-04-1909 6 3-04-1869 7-01-1869 12
10-10-1974 5-28-1975 1

3-02-1874

1889 1

12-31-1923 3-08-1924 1

7-16-1906

1903 0

10-18-1904 9-05-1904 0

5-10-1976 5-10-1976 0

TOTAL ASSETS**
13,535 17,862 5,614 30,595 150,762 76,349 169,131
50,678 98,905 43,643 11,297 17,061 9,334 25,680 43,817 6,342 21,843 7,411,188 108,533 471,570
21,820 222,482
13,955 179,652 22,104 23,220 26,367
5,783

*Member Federal Reserve System **Amounts are in thousands

CITY
Stapleton Statesboro
Stockbridge SUlTlTlerville Swainsboro
Sylvania
Sylvester
Tal botton Ta 11 apoosa
N........
Taylorsville Temple Tennille Thomaston
Thomasville Thomson
Tifton
Toccoa
Trenton

LIST OF STATE AND NATIONAL BANKS

COUNTY

NAME OF BANK

Jefferson Bank of Stapleton

Bulloch First Bulloch Bank &Trust Company

Sea Island Bank

Henry

The First State Bank

Chattooga Farmers &Merchants Bank

Emanuel The Central Bank

The Citizens Bank of Swainsboro

Spivey State Bank

Screven Bank of Screven County

Farmers and Merchants Bank

Worth

Bank of Worth County

Sylvester Banking Company

Talbot

The Peoples Bank of Talbotton

Haralson Commercial Bank

West Georgia Bank of Tallapoosa,

Georgia

Bartow

Peoples Bank of Bartow County

Carroll Bank of Carroll County

Washington Bank South, Washington County

Upson

Bank of Upson

The Citizens and Southern Bank of

Thomaston

West Central Georgia Bank

Thomas

Commercial Bank

McDuffie Bank of Thomson

*The First National Bank of Thomson

Tift

The Citizens Bank of Tifton

The Farmers Bank of Tifton

Stephens The Bank of Toccoa

The Citizens Bank

Dade

Bank of Dade

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

3-20-1916

1916 0

1-19-1934 4-14-1934 3

3-11-1901

1901 2

9-21-1964 10-08-1964 2

2-05-1926 2-06-1926 3

10-27-1920 11-09-1920 1

11-10-1900

1900 1

8-27-1964 3-01-1965 0

4-10-1911 5-01-1911 0

2-18-1946 3-01-1946 1

4-28-1945 11-01-1945 2

7-05-1898 7- -1898 1

12-09-1890 1-13-1891 0

12-09-1971 12-09-1971 3

12-06-1948 6-06-1949 0

4-23-1984 4-23-1984 3 11-25-1946 7-01-1947 4 4-04-1900 4- -1900 1 6-23-1951 10-01-1951 1 1-18-1926 2-18-1930 1

12-13-1973 4-15-1974 1

7-03-1916 7-22-1916 2

12-30-1890

1891 2

2-24-1948 4-15-1948 1 12-21-1936 2-24-1937 1 8-10-1911 9-01-1911 2 5-25-1950 3-16-1951 2 7-05-1955 1-12-1956 0

TOTAL ASSETS**
9,849 92,469 89,808 49,868 62,012 29,414 40,219 30,946 43,414 35,445 31,800 34,036 11,719 13,621 15,546
23,913 23,916 26,235 49,698 59,376
28,755 114,409 68,636 56,759 52,151 59,152 57,325 51,190 22,870

*Member Federal Reserve System **Amounts are in thousands

CITY
Trion Twin City Unad ill a Union Point Uvalda Valdosta
Vidalia
Vienna
cNo Villa Rica Wadley Warm Springs Warrenton Washington
Watkinsville Waycross
Waynesboro
West Point Willacoochee Winder
Woodbury Woodland

LIST OF STATE AND NATIONAL BANKS

COUNTY

NAME OF BANK

Chattooga *First National Bank of Chattooga County

Emanue 1 Durden Banking Company, Incorporated

Doo1y

State Bank and Trust Co.

Greene

The Farmers Bank

Montgomery A1tamaha Bank and Trust Company

Lowndes *The First National Bank of Valdosta

First State Bank and Trust Company

of Valdosta

The Park Avenue Bank

Toombs

Brice Banking Company, Inc.

Darby Bank and Trust Co.

*First National Bank and Trust Company

Doo1y

Bank of Doo1y

Citizens Bank

Carro11 Bank of Villa Rica

Jefferson Bank of Wadley

Meriwether First American Bank

Warren

Cit i zens Bank

Wilkes

Farmers and Merchants Bank

Washington Loan and Banking Company

Oconee

Oconee State Bank

Ware

Commercial Bank

Southern Bank

Burke

*Bank of Waynesboro

*The First National Bank of Waynesboro

Troup

*First National Bank of West Point

Atkinson The Peoples Bank

Barrow

Bank of Barrow

The Peoples Bank

Meriwether The Woodbury Banking Company

Talbot

Talbot State Bank

CHARTER DATE

BEGIN

NO.

BUSINESS OFF.

6-26-1935 7-05-1935 0 4-19-1935 4-22-1935 2 9-06-1911 9-06-1911 1 5-02-1966 5-16-1966 1

1-22-1906 3- -1906 2

6-28-1971 6-28-1971 0 9-07-1965 10-14-1965 0 6-22-1934 7-01-1934 0

11-10-1975 7-30-1976 0

6-24-1931 7-01-1931 0

5-04-1899 5- -1899 1

1-29-1902 1- -1902 0

10-11-1905 8-03-1906 1

4-14-1902 4- -1902 0

8-10-1949 3-14-1950 2

9-07-1891 5-01-1895 1

6-05-1959 2-01-1960 1

10-15-1918 10-30-1918 2

5-22-1956 6-11-1956 2

12-16-1890

1891 1

1-04-1952 1-15-1952 0 3-12-1951 3-17-1951 2
10-29-1926 10-30-1926 2
9-29-1902 9-29-1902 0 11-18-1907 11-25-1907 0

TOTAL ASSETS**
21,504 20,075 30,853 42,755 21,437 106,567 68,871
31,054 25,374 29,991 48,305 18,668 16,173 31,073 14,196 13,953 19,176 49,564 47,538 38,729 38,153 77 ,371 38,963 25,989 61,593 7,684 75,751 38,630 13,141 8,122

*Member Federal Reserve System **Amounts are in thousands

CITY
Wrens Wrightsville Zebulon

LIST OF STATE AND NATIONAL BANKS

COUNTY
Jefferson Johnson Pike

NAME OF BANK First State Bank Bank of Wrightsville United Bank of Pike

CHARTER DATE
2-25-1964 2-16-1897 3-18-1905

BEGIN

NO.

BUSINESS OFF.

7-06-1964 0 2-16-1897 0 1-31-1905 1

TOTAL ASSETS**
21,202 22,440 29,108

*Member Federal Reserve System **Amounts are in thousands

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITIONS OF STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1984
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1983
(Amounts in Thousands)

December 31, 1984 383 Banks

ASSETS Cash and Due from Depository Institutions Securit i es
Federal Funds Sold and Securities Purchased
under Agreement to Resell Gross Loans and Lease Financing Receivables
Reserve for Loan and Lease Losses Unearned Income Net Loans and Lease Financing Receivables Bank Premises, Furniture and Fixtures Other Real Estate Owned Intangible Assets All Other Assets TOTAL ASSETS

$ 6,063,666 7,013,701 1 ,904,312
23,309,812 (291,460) (581 ,004)
22,437,348 772,244 53,428 65,882
1 ,652,271 $39,962,852

December 31, 1983 391 Banks
$ 5,338,530 8,319,047 2,017,781
17,466,466 (241,181) (670,957)
16,554,328 693,498 57,970 72 ,323
1,328,930 $34,382,407

LIABIL ITIES Demand Deposits of IPC -Domestic
Time &Savings Deposits of IPC - Domestic
Deposits in Foreign Offices
Deposits of U.S. Government Deposits of SCM
Certified and Officers ' Checks All Other Deposits TOTAL DEPOS ITS

$ 8,147,786 19,095,550
986,158
217,596 1 ,896,219
174,684 904,839 $31 ,422,832

$ 6,859,169 15,837,043
443,389
134,738 1 ,695,616
170,555 1 ,012,682
$26,153,192

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

3,757,214
287,861 42,816 1,589,743 $37,100,466

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

Subordinated Notes and Debentures

259,376

190,365

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

1 ,021
409,747 956,099 1,236,143 $ 2,603,010

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

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$39,962,852

$34,382,407

- 30 -

ABSTRACT OF REPORTS OF CONDITION (BY SIZE) OF
STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1984
(Amounts in Thousands)

Number of Banks

40 Less than

Size of Banks

$10 Mill ion

ASSETS
Cash and Due from Depository Institutions Securities
Federal Funds Sold and Securities Purchased under Agreement to Resell
Gross Loans and Lease Financing Receivables Reserve for Loan and Lease Losses Unearned Income
Net Loans and Lease Financing Receivables Bank Premises, Furniture and Fixtures Other Real Estate Owned Intangible Assets All Other Assets TOTAL ASSETS

$ 28,731 60,464 36,072
136,301 (1,316) (9,425)
125,560 7,822 539
o
3,396 $ 262,584

LIABILITIES
Demand Deposits of IPC - Domestic
Time &Savings Deposits of IPC - Domestic
Deposits in Foreign Offices Deposits of U.S. Government Deposits of SCM
Certified and Officers' Checks All Other Deposits
TOTAL DEPOSITS

$ 44,147 161,178
o
452 15,838
2,576 1 ,756
$ 225,947

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

306
201 930 2,472 $ 229,856

Subordinated Notes and Debentures

235

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

o
7,820 14,791 9,882
$ 32,493

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$ 262,584

111
$10 Million to
$25 Million
$ 176,865 555,024 172 ,456
1,017,346 (10,768) (57,539) 949,039 37,799 5,437
o
39,709 $1,936,329
$ 306,901 1 ,239,756
o
5,452 128,570 12,260
6,273 $1 ,699,212
9,909
2,796 1 ,940 30,718 $1 ,744,575
931
521 33,697 85,326 71 ,279 $ 190,823
$1,936,329

- 31 -

ABSTRACT OF REPORTS OF CONDITION (BY SIZE) OF
STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1984
(Amounts in Thousands)

Number of Banks Size of Banks

191 $25 Mi 11 ion
to $100 Mi 11 ion

ASSETS
Cash and Due from Depository Institutions Securiti es
Federal Funds Sold and Securities Purchased under Agreement to Resell
Gross Loans and Lease Financing Receivables Reserve for Loan and Lease Losses Unearned Income
Net Loans and Lease Financing Receivables Bank Premises, Furniture and Fixtures Other Real Estate Owned
Intangible Assets
A11 Other Assets TOTAL ASSETS

$ 806,478 2,555,334
646,522
5,008,814 (50,821) (229,978)
4,728,015 186,326 18,438 730 182,116
$9,123,959

LIABILITI ES Demand Deposits of IPC - Domestic
Time &Savings Deposits of IPC - Domestic
Deposits in Foreign Offices Deposits of U.S. Government Deposits of SCM Certified and Officers ' Checks All Other Deposits TOTAL DEPOSITS
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

$1,492,806 5,783,506
0 14,643 702,293 59,084 36,148 $8,088,480
54,268
34,995 6,123 152,933 $8,336,799
12,407
0 139,668 301 ,533 333,552 $ 774,753

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL

$9,123,959

41 $100 Million
and over
$ 5,051,592 3,842,879 1 ,049,262
17,147,351 (228,555) (284,062)
16,634,734 540,297 29,014 65,152
1 ,427,050 $28,639,980
$ 6,303,932 11,911,110
986,158 197,049 1,049,518 100,764 860,662 $21,409,193
3,692,731
249,869 33,823 1 ,403,620 $26,789,236
245,803
500 228,562 554,449 821 ,430 $ 1,604,941
$28,639,980

- 32 -

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, 1984 and DECEMBER 31, 1983

(Amounts in Thousands) December 31, 1984 December 31, 1983

383 Banks

391 Banks

INTEREST INCOME
Interest and Fees on Loans
Income from Lease Financing Interest on Balances with Depository
Institutions
Income on Federal Funds Sold and
Securities Purchased under Agreement to Resell
Interest and Dividends from Securities TOTAL INTEREST INCOME

$2,724,707 30,348 197,231
199,288
695,881 $3,847,455

$2,044,654 22,572 160,978
203,917
715,751 $3,147,872

INTEREST EXPENSE
Interest on Deposits Expense of Federal Funds Purchased and
Securities Sold under Agreements to Repurchase
Interest on Other Borrowed Money Interest on Subordinated Notes and
Debentures TOTAL INTEREST EXPENSE

$1 ,872,654 370,050
25,030 23,045
$2,290,779

$1 ,466,575 308,732
12,772 17,388
$1,805,467

NET INTEREST INCOME

1,556,676

1,342,405

TOTAL NONINTEREST INCOME

465,531

410,593

OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy Expense of Bank Premises and Equipment Expenses
Other Noninterest Expenses TOTAL OVERHEAD EXPENSES

670,308 211 ,359
507,686 $1,389,353

593,899 191 ,340
459,765 $1 ,245,004

PROVISION FOR LOAN LOSSES

134,893

108,643

SECURITIES GAINS OR LOSSES

(15,024)

(1,764)

NET OPERATING INCOME BEFORE TAXES

482,937

397,587

APPLICABLE INCOME TAXES

63,926

46,488

NET OPERATING INCOME AFTER TAXES

419,011

351,099

EXTRAORDINARY INCOME OR EXPENSES, NET

512

(1,686)

NET INCOME

$ 419,523

$ 349,413

- 33 -

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, 1984
(Amounts in Thousands)

Number of Banks

40 Less than

Size of Banks
INTEREST INCOME Interest and Fees on Loans Income from Lease Financing Interest on Balances with Depository Institutions Income on Federal Funds Sold and Securities Purchased under Agreement to Resell Interest and Dividends from Securities
TOTAL INTEREST INCOME

$10 Million $ 17,146
679 2,745
6,715 -$ 27,285

INTEREST EXPENSE
Interest on Deposits
Expense on Federal Funds Purchased and Securities Sold under Agreements to Repurchase
Interest on Other Borrowed Money Interest on Subordinated Notes and
Debentures
TOTAL INTEREST EXPENSE

14,704 39
38 132
$ 14,913

NET INTEREST INCOME

12,372

TOTAL NONINTEREST INCOME

2,540

OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy Expense of Bank Premises and Equipment Expenses Other Noninterest Expenses
TOTAL OVERHEAD EXPENSES

5,674 1,678
3,427 $ 10, 7T9

PROVISION FOR LOAN LOSSES

1,575

SECURITIES GAINS OR LOSSES

(72 )

NET OPERATING INCOME BEFORE TAXES

2,486

APPLICABLE INCOME TAXES

646

NET OPERATING INCOME AFTER TAXES

1,840

EXTRAORDINARY INCOME OR EXPENSES, NET

5

NET INCOME

- 34 -

$ 1,845

111 $10 Million
to $25 Million
$ 128,517 27
3,183 16,147
56,530 $ 204,404
117 ,821 490
310 91 $ 118,712 85,692 18,531
35,781 8,963 25,809 $ 70,553 7,647
(166 ) 25,857 5,832 20,025
15 $ 20,040

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, 1984
(Amounts in Thousands)

Number of Banks Size of Banks

191
$25 Million to
$100 Million

INTEREST INCOME
Interest and Fees on Loans Income from Lease Financing
Interest on Balances with Depository Institutions
Income on Federal Funds Sold and Securities Purchased under Agreement to Resell
Interest and Dividends from Securities TOTAL INTEREST INCOME

$ 626,694 608
16,110
64,990
245,987 $ 954,389

INTEREST EXPENSE
Interest on Deposits Expense of Federal Funds Purchased and
Securities Sold under Agreements to Repurchase Interest on Other Borrowed Money
Interest on Subordinated Notes and
Debentures TOTAL INTEREST EXPENSE

564,739 3,997
2,822 1,152
$ 572,710

NET INTEREST INCOME

381,679

TOTAL NON INTEREST INCOME

80,906

OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy Expense of Bank Premises
and Equipment Expenses Other Noninterest Expenses
TOTAL OVERHEAD EXPENSES

151 ,393 42,212
99,093 $ 292,698

PROVISION FOR LOAN LOSSES

37,604

SECURITIES GAINS OR LOSSES

(2,708)

NET OPERATING INCOME BEFORE TAXES

129,575

APPLICABLE INCOME TAXES

20,685

NET OPERATING INCOME AFTER TAXES

108,890

EXTRAORDINARY INCOME OR EXPENSES, NET

492

NET INCOME

- 35 -

$ 109,382

41 $100 Million
and Over
$ 1,952,350 29,713 177 ,259 115,406
386,649 $ 2,661,377
1,175,390 365,524
21 ,860 21 ,670 $ 1,584,444 1,076,933 363,554
477,460 158,506 379,357 $ 1,015,323 88,067 (12,078) 325,019 36,763 288,256
0 $ 288,256

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS December 31, 1984

HOLDING COMPANIES AND SUBSIDIARY BANKS
FARMERS &MERCHANTS BANCSHARES, INC., Adel
Farmers and Merchants Bank, Adel
FIRST STATE CORPORATION, Albany
*First State Bank &Trust Company, Albany
First State Bank and Trust Company in Cordele, Cordele Fort Gaines Banking Company, Fort Gaines The First State Bank of Leesburg, Georgia, Leesburg
SOUTH BANKING COMPANY, Alma
*Alma Exchange Bank &Trust, Alma
Citizens State Bank, Kingsland
BANK SOUTH CORPORATION, Atlanta *Bank South, National Association, Atlanta BANK SOUTH MACON, INC., Macon
Bank South, Fitzgerald, Fitzgerald *Bank South, Macon, Macon Bank South, Washington County, Tennille Bank South, Jasper County, National Association,
Monticello Bank South, Houston County National Association,
Perry
COB 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
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
1-03-84 1-03-84
2-04-81 2-04-81 12-06-84 **12-21-84 2-04-81
11-20-80 11-20-80 11-21-80
7-01-76 7-01-76 9-28-78 10-05-84 4-24-84 9-28-78 8-27-84 1-13-81
12-19-79
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
7-01-76 7-01-76 3-10-77 12-01-76

*Lead Bank **Incomplete

- 36 -

REGISTERED BANK HOlDING COMPANIES (CONTINUED)

HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

HERITAGE BANCSHARES, INC., Atlanta Heritage Bank, Alpharetta

12-16-80 12-16-80

HOMEBANC FINANCIAL SERVICES, INC., Atlanta Home Federal Savings and Loan Association of Atlanta, At 1anta

** 5-21-84 ** 5-21-84

INTEREDEC (Georgia), Limited, Paris, France INTEREDEC (Georgia) N.V., Paris, France
NBG FINANCIAL CORPORATION, Atlanta *The National Bank of Georgia, Atlanta

7-05-83 7-05-83 7-05-83
7-05-83

ROSWELL BANCSHARES, INC., Atlanta Roswell Bank, Roswell

11-07-80 11-07-80

SOUTHERN NATIONAL BANKSHARES, INC., Atlanta Southern National Bank, Atlanta

2-21-84 2-21-84

TGB CORP., Atlanta The Gordon Bank, Gordon
TRUST COMPANY OF GEORGIA, Atlanta
Trust Company Bank of South Georgia, National Association, Albany
The First National Bank of Athens, Athens *Trust Company Bank, Atlanta Trust Company Bank of Augusta, National Association,
Augusta Trust Company Bank of Carroll County, Bowdon The National Bank and Trust Company of Columbus,
Georgia, Columbus Trust Company Bank of Rockdale, Conyers Trust Company Bank of Douglas County, Douglasville Trust Company Bank of Clayton County, Jonesboro Trust Company Bank of Troup County, LaGrange Trust Company Bank of Gwinnett County, Lawrenceville Trust Company Bank of Middle Georgia, N.A., Macon Trust Company Bank of Henry County,
National Association, McDonough Trust Company Bank of Northwest Georgia, National
Association, Rome Trust Company of Georgia Bank of Savannah, N.A., Savannah Trust Company Bank of Cobb County, N:A., Smyrna
SOUTHERN BANCSHARES, INC., Atlanta
The First National Bank of Brunswick, Brunswick *Trust Company Bank of Coffee County, Douglas The First National Bank of Wayne County, Jesup

11-07-80 11-07-80
7-01-76 4-06-77
3-16-82 7-01-76 4-27-78
3-18-80 4-27-78
12-19-79 10-25-79 12-17-76 1-12-84 2-26-79 4-27-78 8-28-80
4-27-78
4-27-78 9-23-76 3-26-81 9-23-82 ** 3-13-84 3-26-81 **10-02-84

*Lead Bank **Incomplete

- 37 -

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES-AND SUBSIDIARY BANKS
TRUST COMPANY OF GEORGIA, Atlanta, (Continued) FIRST THOMSON BANCORP, INC., Thomson
The First National Bank of Thomson, Thomson
BANKERS FIRST CORPORATION, Augusta Bankers First Federal Savings and Loan Association, Augusta
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 The Bank of Dalton, Dalton
Commercial Bank &Trust Company, Griffin
Central Bank of Georgia, Macon First Georgia Bank of Cobb County, Marietta First National Bank in Newnan, Newnan Farmers and Merchants Bank, Pine Mountain 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
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
UNITED BANK CORPORATION, Barnesville *United Bank, Barnesville United Bank of Crawford, Roberta United Bank of Pike, Zebulon
BAXLEY STATE BANKING COMPANY, Baxley Baxley State Bank, Baxley
GEORGIA PEOPLES BANKSHARES, INC., Baxley
Peoples State Bank &Trust, Baxley
ANB BANKSHARES, INC., Brunswick *American National Bank of Brunswick, Brunswick State Bank of Kingsland, Kingsland

APPROVED OR REGISTERED
3-14-83 12-03-84 3-14-83
4-17-84 4-17-84
7-01-76 10-12-78 7-01-76 12-13-83 11-08-82 10-25-79 6-06-83
1-27-84 10-25-79 12-21-81 11-08-82 1-27-84 1-27-84 1-27-84
1-27-84 1-27-84
8-11-81 8-11-81
3-18-83 3-18-83
11-25-81 11-25-81 11-25-81 11-25-81
4-02-84 4-02-84
6-14-82 6-14-82
9-19-84 9-19-84 9-19-84

*Lead Bank **Incomplete

- 38 -

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING-COMPANIES AND SUBSIDIARY BANKS FIRST HARALSON CORPORATION, Buchanan
The First National Bank of Haralson County, Buchanan SOUTHLAND BANK CORP., Butler
*The Citizens State Bank, Butler Coffee County Bank, Douglas FARMERS BANCSHARES, INC., Cadwell *Farmers State Bank, Cadwell The Security State Bank, McRae CAIRO BANCSHARES, 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
BC BANKSHARES, INC., Canton Bank of Canton, Canton
NORTH GEORGIA BANCSHARES, INC., Canton North Georgia Savings and Loan Association, Canton
UNITED SECURITY BANCSHARES, INC., Canton United Security Bank, Sparta
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 CBA BANCSHARES, INC., Americus Citizens Bank of Americus, Americus
PEOPLES BARTOW CORPORATION, Cartersville Peoples Bank of Bartow County, Taylorsville

*Lead Bank **Incomplete

- 39 -

APPROVED OR REGISTERED
3-06-84 3-06-84
2-13-84 2-13-84 2-13-84
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
** 9-05-84 ** 9-05-84
2-10-82 2-10-82
2-21-84 2-21-84
4-13-81 4-13-81 4-13-81
12-05-80 12-05-80
4-28-83 4-28-83 3-01-83 **11-15-84 3-01-83
2-13-84 2-13-84

REGISTERE8 BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES ANDSUBSIDIARY BANKS 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 WHITE COUNTY BANCSHARES, INC., Cleveland
White County Bank, Cleveland 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
SOUTHWEST GEORGIA FINANCIAL CORPORATION, Moultrie Moultrie National Bank, Moultrie
WEST GEORGIA FINANCIAL CORPORATION, Tallapoosa West Georgia Bank of Tallapoosa, Tallapoosa
CARROLL COUNTY FINANCIAL CORPORATION, Temple Bank of Carroll County, Temple
FIRST COMMERCE BANCORP, INC., Commerce The First National Bank of Commerce, Commerce
FIRST BANK FINANCIAL CORPORATION, Conyers First Bank of Conyers, Conyers
FLINT BANCSHARES, INC., Cordele Cordele Banking Company, Cordele
COMMUNITY BANKSHARES, INC., Cornelia Northeastern Banking Company, Commerce *Cornelia Bank, Cornelia

APPROVED OR REGISTERED
11-30-82 11-30-82
3-03-83 3-03-83
5-12-83 5-12-83
2-01-82 2-01-82
9-19-84 9-19-84
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 11-18-80 **12-14-84 11-18-80 10-12-78 3-14-83 10-12-78 10-22-79 3-14-83 10-22-79
10-27-81 10-27-81
**10-19-84 **10-19-84
5-10-82 5-10-82
3-12-81 3-30-82 3-12-81

*Lead Bank **Incomplete

- 40 -

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES AND SUBSIDIARY BANKS HABERSHAM BANCORP, Cornelia
Habersham Bank, Clarkesville FNB NEWTON BANKSHARES, INC., Covington
First National Bank of Newton County, Covington 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 DAWSON COUNTY BANCSHARES, INC., Dawsonville
Dawson County Bank, Dawsonville
FIDELITY SOUTHERN CORPORATION, Decatur Fidelity National Bank, Decatur
METRO BANCORP, INC., Douglasville The Commercial Bank, Douglasville
THORNTON HOLDING COMPANY, INC., Douglasville Douglas County Bank, Douglasville
DUBLIN BANCSHARES, INC., Dublin The Morris State Bank, Dublin
INVESTORS TRUST FINANCIAL CORPORATION, Duluth Investors Trust Savings and Loan Association, Duluth
PEOPLES BANKSHARES, INCORPORATED, Eatonton The Peoples Bank, Eatonton
BOE BANCSHARES, INC., Edison The Bank of Edison, Edison
FIRST ELBERT CORPORATION, Elberton First National Bank in Elberton, Elberton
MIDDLE GEORGIA CORPORATION, Ellaville Bank of Ellaville, Ellaville

*Lead Bank **Incomplete

- 41 -

APPROVED OR REGISTEREB
12-05-84 12-05-84
11-30-84 11-30-84
4-20-82 4-20-82
3-05-82 3-05-82
9-23-80 9-23-80
9-19-83 9-19-83
**12-03-84 **12-03-84
12-18-79 12-18-79
**12-10-84 **12-10-84
12-17-81 12-17-81
3-05-80 3-05-80
1-09-84 1-09-84
2-17-84 2-17-84
3-05-84 3-05-84
4-01-83 4-01-83
5-08-81 5-08-81

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES AND SUBSIDIARY BANKS FAIRBANCO HOLDING COMPANY, INC., Fairburn
Fairburn Banking Company, Fairburn
COLONY BANKCORP, INC., Fitzgerald Ashburn Bank, Ashburn *The Bank of Fitzgerald, Fitzgerald Pitts Banking Company, Pitts
SOUTHEASTERN BANKING CORPORATION, Folkston The Darien Bank, Darien *Southeastern Bank, Folkston
COUNTRY BANK COMPANY, Forsyth Monroe County Bank, Forsyth
CATOOSA BANCSHARES, INC., Fort Oglethorpe Fort Oglethorpe State Bank, Fort Oglethorpe
BANK CORPORATION OF GEORGIA, Fort Valley 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 Bank of Clayton, Clayton First National Bank of Habersham, Cornelia Granite City Bank, Elberton *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 FIRST BARNESVILLE CORPORATION, Barnesville
The First National Bank of Barnesville, Barnesvi11 e
CCB BANCSHARES, INC., Hahira Citizens Community Bank, Hahira
COASTAL BANKSHARES, INC., Hinesville The Coastal Bank, Hinesville

*Lead Bank **Incomplete

- 42 -

APPROVED OR REGISTERED
6-11-84 6-11-84
4-15-83 ** 8-28-84
4-15-83 4-02-84
4-14-81 8-23-83 4-14-81
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 10-04-84 4-30-82 7-30-84 5-11-81
12-16-80 12-16-80
1-17-83 1-17-83 10-24-83 12-21-84 10-24-83
12-15-82 12-15-82
7-07-82 7-07-82

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES ANDSUBSIDIARY BANKS LIBERTY SHARES, INC., Hinesville
The Hinesville 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 JACKSON BANCORP, Jefferson
The First National Bank of Jackson County, Jefferson LAFAYETTE BANKSHARES, INC., LaFayette
The Bank of LaFayette, Georgia, LaFayette FMB BANCSHARES, INC., Lakeland
Farmers and Merchants Bank, Lakeland FIRST SECURITY BANKSHARES, INC., Lavonia
Northeast Georgia Bank, Lavonia FIRST GWINNETT BANCSHARES, INC., Lawrenceville
First National Bank of Gwinnett County, Lawrenceville
F &MBANCSHARES, INC., Leslie Farmers &Merchants Bank, Leslie
CITIZENS HOLDING COMPANY, Lexington Citizens Banking Company, Lexington
LINCOLN BANCSHARES, INC., Lincolnton Farmers State Bank, Lincolnton
PERSONS BANKING COMPANY, INC., Lithonia The Farmers Bank, Forsyth *The Peoples Bank, Lithonia The Bank of Perry, Perry
SOUTH GEORGIA BANKSHARES CORP., Lyons The Peoples Bank of Lyons, Georgia, Lyons
GEORGIA STATE BANCSHARES, INC., Mableton Georgia State Bank, Mableton

APPROVED OR REGISTERED
10-24-84 10-24-84
9-23-82 9-23-82
3-24-82 3-24-82
12-08-82 12-08-82
2-27-84 2-27-84
1-03-84 1-03-84
10-11-84 10-11-84
11-15-83 11-15-83
11-17-80 11-17-80
4-29-83 4-29-83
3-03-83 3-03-83
**12-03-84 **12-03-84
8-22-80 8-22-80 8-22-80 3-31-81
12-17-80 12-17-80
1-19-82 1-19-82

*Lead Bank **Incomplete

- 43 -

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES AND SUBSIDIARY BANKS
F AND MHOLDING COMPANY, INC., Manchester
F &MBank and Trust Company, Manchester
N.C.B. CORPORATION, Mansfield Newton County Bank, Mansfield
CSL FINANCIAL CORPORATION, Marietta Cobb Savings and Loan Association, Marietta
THE CHATTAHOOCHEE FINANCIAL CORPORATION, Marietta The Chattahoochee Bank, Marietta
FIRST CITY BANCORP, INC., Marietta The First National Bank of Cobb County, Marietta
FCS FINANCIAL CORPORATION, Martinez First Columbia Savings and Loan Association, Martinez
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, Milledgevi 11 e
EXCHANGE BANKSHARES, INC., Milledgeville Exchange Bank, Milledgeville
F.A. BANKSHARES, INC., Monroe First American Bank of Walton, Monroe
NBWC CORPORATION, Monroe The National Bank of Walton County, Monroe
BANKSHARES OF GEORGIA, INC., Montezuma The Bank of Macon County, Montezuma
FIRST UNITED BANCSHARES, INC., Montezuma First United Bank, Montezuma
ABC HOLDING COMPANY, Moultrie American Banking Company, Moultrie

APPROVED OR REGISTERED
**12-14-84 **12-14-84
3-09-82 3-09-82
3-24-82 3-24-82
8-13-84 8-13-84
12-02-80 12-02-80
9-16-83 9-16-83
7-01-76 7-01-76
2-23-83 2-23-83
3-06-81 3-06-81
10-05-83 10-05-83
12-30-83 12-30-83
9-23-82 9-23-82
5-15-84 5-15-84
11-09-82 11-09-82
3-23-81 3-23-81

*Lead Bank **Incomplete

- 44 -

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES AND SUBSIDIARY BANKS
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
NICHOLLS STATE BANCSHARES, INC., Nicholls Nicholls State Bank, Nicholls
IRWIN BANKCORP, INC., Ocilla The Bank of Ocilla, Georgia, Ocilla
HABERSHAM FINANCIAL CORPORATION, Peachtree City Habersham Federal Savings Bank, Cornelia
PINEVIEW BANCSHARES, INC., Pineview Pineview State Bank, Pineview
QUITMAN BANCSHARES, INC., Quitman Bank of Quitman, Quitman
GEORGIA COMMUNITY BANCORP, INC., Reynolds Bank of Terrell, Dawson Commercial State Bank, Donalsonville *The Citizens State Bank, Reynolds
NW SERVICES CORPORATION, Ringgold Northwest Georgia Bank, Ringgold
THE NATIONAL CITY BANKCORP, Rome The National City Bank of Rome, Rome
ROSSVILLE BANKSHARES, INC., Rossville Rossville Bank, Rossville
CHARLTON ASSOCIATES, Savannah AMERICORP, INC., Savannah Ameribank, National Association, Savannah
SOUTHERN BANK HOLDING COMPANY, Savannah Southern Bank and Trust Company, Savannah
GEORGIA CENTRAL BANCSHARES, INC., Social Circle Georgia Central Bank, Social Circle
SOPERTON NAVAL STORES, INC., Soperton The Bank of Soperton, Soperton

*Lead Bank **Incomplete

- 45 -

APPROVED OR REGISTERED
6-27-83 6-27-83 6-27-83
6-27-83
5-03-84 5-03-84
** 9-24-84 ** 9-24-84
** 6-13-84 ** 6-13-84
10-06-81 10-06-81
7-13-81 7-13-81
10-25-84 10-25-84 10-25-84 10-25-84
12-14-83 12-14-83
9-23-83 9-23-83
8-13-84 8-13-84
**12-27-84 **12-27-84 **12-27-84
6-09-77 6-09-77
9-06-84 9-06-84
7-01-76 7-01-76

REGISTERED BANK HOLDING COMPANIES (CONTINUED)
HOLDING COMPANIES AND SUBSIDIARY BANKS FIRST BULLOCH BANKING CORPORATION, Statesboro
First Bulloch Bank &Trust Company, Statesboro
HENRY COUNTY BANCSHARES, INC., Stockbridge The First State Bank, Stockbridge
FMB CORP., Summerville
Farmers &Merchants Bank, Summerville
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
ALLIED BANCSHARES, INC., Thomson Bank of Thomson
FIRST COMMUNITY BANCSHARES OF TIFTON, INC., Tifton The Farmers Bank of Tifton, Tifton
1st FRANKLIN CORPORATION, Toccoa
1st Franklin Savings &Loan Association, Toccoa
TRI-STATES BANKSHARES, INC., Trenton Bank of Dade, Trenton
LOCAL INVESTORS, INC., Unadilla State Bank and Trust Company, Unadilla
ALTAMAHA BANCSHARES, INC., Uvalda Altamaha Bank and Trust Company, Uvalda
PAB BANKSHARES, INC., Valdosta The Park Avenue Bank, Valdosta
TOOMBS BANK SHARES, INC., Vidalia Brice Banking Company, Inc., Vidalia
SOUTHERN BANCORP, INC., Waycross The Exchange Bank, Douglas Mount Vernon Bank, Mount Vernon *Southern Bank, Waycross

*Lead Bank **Incomplete

- 46 -

APPROVED OR REGISTERED
2-08-82 2-08-82
3-07-83 3-07-83
11-07-80 11-07-80
10-07-81 10-07-81
8-22-83 8-22-83
12-10-82 12-10-82
**12-03-84 **12-03-84
5-10-82 5-10-82
3-12-84 3-12-84
4-27-82 4-27-82
10-31-83 10-31-83
11-03-80 11-03-80
8-02-82 8-02-82
3-15-83 3-15-83
10-21-81 7-28-82 1-26-84 10-21-81

REGISTEREDBANKHOLDING COMPANIES (CONTINUED)
HOLDINGCOMPANIESAND SUBSIDIARYBANKS FIRST BANKSHARES OF WEST POINT, INC., West Point
First National Bank of West Point, West Point ATKINSON COUNTY BANKSHARES CORPORATION, Willacoochee
The Peoples Bank, Willacoochee PEOPLES HOLDING COMPANY, Winder
The Peoples Bank, Winder WOODBURY BANCSHARES, INC., Woodbury
The Woodbury Banking Company, Woodbury
*Lead Bank **lncomp1ete

APPROVED OR REGISTERED
7-13-83 7-13-83 9-18-80 9-18-80 11-17 -83 11-17-83
12-08-83 12-08-83

BANK HOLDING COMPANIES DEREGISTERED/DISSOLVED

BANK HOLDING COMPANY

LOCATION

American Bankshares, Inc. American Trading Company Union Investment Co . , Inc. Cumming Bancshares, Inc. Georgia Bancshares, Inc. FSB Bancorp, Inc. SBT Corporati on F.N.B.I.W. Financial Corporation

Bowman Brunswick Colquitt Cumming Macon Peachtree City Savannah Waycross

EFFECTIVE
12-31-84 11-19-84 8-31-84 7-25-84 11-13-84 5-31-84 5-07-84 6-01-84

- 47 -

NAME OF AGENCY

INTERNATIONAL BANK AGENCIES

LICENSE NO.

ISSUED

RENEWED

Barclays Bank PLC (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

Aktiengesel1schaft

(Federal Republic of

Germany)

Credit Suisse

7

(Switzerland)

The Toronto-Dominion Bank

8

(Canada)

Lloyds Bank International

9

(England)

Kredietbank, N.V.

10

(Belgium)

Credit Lyonna is

11

(France)

Bayerische Vereinsbank AG 12 (Union Bank of Bavaria) (West Germany)

Standard Chartered Bank

13

(England)

Banca Nazionale del

14

Lavoro

(Italy)

Banque Indosuez

15

(France)

6-11-76 5-27-77 6-24-77

6-11-84 5-27-84 6-24-84

7-14-77 4-05-78

7-14-84 4-05-84

10-31-78 10-31-84

11-27-78 11-27-84 2-23-79 2-23-84 4-13-79 4-13-84 3-20-80 3-20-84 11-06-80 11-06-84 12-01-80 12-01-84
10-19-81 10-19-84 2-09-82 2-09-84
3-28-83 3-28-84

TOTAL GEORGIA ASSETS (In Thousands)
$ 41,436 660,251 122,697
82,610 271 ,644
84,522
*
1,704,775 70,562
* *
101 ,135
29,625 348,890
*

- 48 -

INTERNATIONAL BANK AGENCIES (CONTINUED)

NAME OF AGENCY

LICENSE

NO.

ISSUED

RENEWED

TOTAL GEORGIA ASSETS (In Thousands)

National Westminster Bank 16

7-03-84

*

PLC

(England)

The Sanwa Bank, Limited

17

11-14-84

(Japan)

21,528

*Operating as Representative Office ONLY on December 31, 1984.

INTERNATIONAL BANK FACILITIES

PARENT BANK AND ADDRESS

LOCATION OF FACILITY

PERMIT NO.

The Cit i zens and Southern National Bank
Atlanta, GA 30303

34 Broad St., N.W. Atlanta, GA 30303

The National Bank of Georgia
Atlanta, GA 30303

34 Peachtree St., N.W. 2 Atlanta, GA 30303

The First National

2 Peachtree St., N.W.

3

of Atlanta

Atlanta, GA 30303

Atlanta, GA 30303

Trust Company Bank

25 Park Place, N.E.

4

Atlanta, GA 30302

Atlanta, GA 30302

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

230 Peachtree St., N.W. 5 Suite 600 Atlanta, GA 30303

Chase Bank Inter-

5775-F Peachtree-

6

national

Dunwoody Rd.

Newark, Delaware

Atlanta, GA 30342

Banca Nazionale del Lavora
Rome, Italy

235 Peachtree St., N.E. 7 Suite 2000 Atlanta, GA 30303

Manufacturers Han-

230 Peachtree St., N.W. 8

over International Suite 1800

Banking Corporation Atlanta, GA 30303

Mi ami, Flori da 33132

ISSUED RENEWED 12-22-81 12-22-84
1-06-82 1-06-84 1-26-82 1-26-84 2-02-82 2-02-84 5-03-82 5-03-84
7-15-82 7-15-84 10-24-83 10-24-84 12-05-83 12-05-84

- 49 -

INTERNATIONAL BANK FACILITIES (CONTINUED)

PARENT BANK AND ADDRESS

LOCATION OF FACILITY

Bank South, N.A. Atlanta, GA 30303

55 Ma ri etta St. Atlanta, GA 30303

PERMIT NO.
g

ISSUED
12-28-84

RENEWED

REPRESENTATIVE OFFICES OF DOMESTIC BANKS

NAME AND ADDRESS OF PARENT BANK

OFFICE LOCATION

Bank of America NT &SA
San Francisco, California

Atlanta

Columbus Bank and Trust Company Columbus, Georgia
d/b/a The Georgia Company d/b/a The Georgia Company d/b/a The Georgia Copmany

. Albany Savannah Valdosta

Bankers Trust Company New York, New York

Atlanta

The First National Bank of Boston Boston, Massachusetts . . . .

Atlanta

Commonwealth Savings Association

Houston, Texas

.

Atlanta

Continental Illinois National Bank

and Trust Company of Chicago

Chicago, Illinois

.

Atlanta

The First National Bank of Chicago Chicago, Illinois . . . . .

Atlanta

Security Pacific National Bank Los Angeles, California . .

Atlanta

American National Bank of Brunswick

Brunswick, Georgia

.

State Farm Agents . . . . . Various

United Virginia Mortgage Corporation

Richmond, Virginia

.

Atlanta

Heritage Bank Alpharetta ....

Marietta

Northwestern Bank Wilkesboro, North Carolina

Atlanta

Standard Federal Savings and Loan Association

Gaithersburg, Maryland

.

Atlanta

- 50 -

REPRESENTATIVE OFFICE OF DOMESTIC BANKS (CONTINUED)

NAME AND ADDRESS OF PARENT BANK

Manufacturers Hanover Trust Company New York, New York . . . .

Georgia Railroad Bank &Trust Company

Augusta, Georgia

.

Amity Bank Woodbridge, Connecticut

American National Bank and Trust Company of Chattanooga

Chattanooga, Tennessee

.

Baltimore Federal Financial, F.S.A.

Baltimore, Maryland

.

Gibralter Savings Beverly Hills, California

OFFICE LOCATION
Atlanta
Martinez Columbus Hinesville
Atlanta
Atlanta
Atlanta

REPRESENTATIVE OFFICES OF INTERNATIONAL BANKS

NAME AND ADDRESS OF PARENT BANK

OFFI CE LOCATION

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

Atlanta

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

Atlanta

The Industrial Bank of Japan, Limited

Tokyo, Japan . . . .

. ...

Atlanta

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

Atlanta

The Sumitomo Bank, LTD Osaka, Japan . . . .

Atlanta

- 51 -

SUMMARY OF ACTIVITIES OF STATE CHARTERED CREDIT UNIONS

CHARTER APPLICATIONS APPROVED

NAME OF CREDIT UNION Lovable Bulldog Trucking Employees GAE MEMBERS

LOCATION Buford Carnesvi 11 e Decatur

APPROVED 11-01-84 2-10-84 10-03-84

APPLICATIONS FOR VOLUNTARY LIQUIDATIONS AND/OR MERGERS

NAME OF CREDIT UNION ARMCO Ruralist Decatur Employees' Stuckey's Employees Association Concrete Doctors Hospital Employees'

LOCATION Atl anta Atlanta Decatur Eastman Macon Tucker

ACTIV ITY Merger Merger Merger Liquidation Merger Merger

APPROVED 11-15-84 7-26-84 3-20-84 3-16-84 11-16-84 11-06-84

COMPLETED 12-31-84 8-03-84 5-25-84 5-16-84 12-31-84 12-11-84

SUMMARY OF ADDITIONS AND DELETIONS DURING 1984

IN OPERATION JANUARY 1, 1984

168

CREDIT UNIONS OPENING DURING YEAR

+3

CREDIT UNIONS DELETED BY MERGERS AND LIQUIDATIONS

-6

TOTAL ACTIVE CREDIT UNIONS IN OPERATION DECEMBER 31, 1984

165

- 52 -

RECEIVERSHIP LIQUIDATIONS

NAME OF CREDIT UNION

LOCATION

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

Augusta

CLOSED 3-09-79

RECEIVER OR DEPUTY RECEIVER
GCUDIC
$18,719.88 1,398.93 12,583.94

Marion Manufacturing Credit Union Unpaid Claims Liquidation Fees Payable Estimated Value of Remaining Assets

Atlanta

5-15-81

GCUDIC $ 6,935.08
938.82
3,731.23

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

Atlanta

9-23-76

GCUDIC $23,657.64
407.72 2,169.14

DOl Employees Credit Union Unpaid Claims Estimated Value of Remaining Assets

Dalton

7-29-80

GCUDIC $ 320.06
6,477 .31

- 53 -

CITY

Albany

Albany

Albany

Americus

Athens

Athens

Athens

Athens

At 1anta

At 1anta

Atlanta

(J1
+:0

Atlanta

Atlanta

Atlanta

Atl anta

Atlanta

At 1anta

Atlanta

At 1anta

Atlanta

Atlanta

Atlanta

Atlanta
Atlanta Atlanta
Atlanta Atlanta At 1anta

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

*AMOUNTS IN THOUSANDS

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 Associated Atlanta City Employees Atlanta Coca-Cola Bottling Co. Employees' Atlanta Cooperative Credit Association At 1anta Postal Atlanta Railway Postal Clerks Atlanta Teachers Atlantic Steel Chevron Southern Cox Communications
(Formerly White Columns) De lta Employees Employes, Swift and Company The Federal Employees GPC Credit Association GTA Georgia Central

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 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 6-11-64
3-08-40 4-27-33 3-31-30 6-10-74 10-01-75 5-01-36

TOTAL ASSETS*
2,600 780 565 207 196
1,401 462 207 476 230
14,255 36
14,668 6,384 5,691
270 148,404 10,031 15,381
6,536 1,645
605
272,206 186
73,786 1,831 3,777 172,765

CITY

Atlanta

Atl anta

Atlanta

Atlanta

Atlanta

At 1anta

Atlanta

Atlanta

Atlanta

Atlanta

Atlanta

(J'l (J'l

Atlanta

Atl anta

Altanta
Atl anta Atlanta
Atlanta Atl ant a Atlanta Atlanta
Atlanta
Atlanta Atlanta Atl anta
Atl anta Atlanta

COUNTY
Fulton Fulton Fulton Fulton Cobb Fulton Fulton DeKalb Fulton Fulton Fulton Fulton Fulton
Fulton DeKalb Fulton DeKalb 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 Employees'
(Formerly Mead Packing Employees') Munford Employees Mutual Savings Piedmont Hospital Reliance Rich's Employees S. M. C. R. C. Sewell Employees Southern Freight Bureau Employees State Employees The Thrift United Family Employees USSAC 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 1-10-39 1-14-75 11-19-35 11-14-61 10-24-28 8-07-56 3-24-33 9-20-78

TOTAL ASSETS*
3,989 2,227 8,274 2,525
572 5,525 221,100 1,084 1,102 5,061 1,427 5,371 3,294
567 13,482
802 7,232 14,434
304 700 430 13,673 8,966 864 952 1,165

CITY
Attapulgus Augusta Augusta Augusta Bainbridge Baldwin Brunswick Buford Calhoun Calhoun U1 Carnesville 0' Cartersville Chamblee Chatsworth College Park Columbus Columbus Columbus Columbus Columbus Columbus Columbus Columbus Columbus Cordele Cornelia Cornelia Cuthbert

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

*AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Attapulgus Employees Health Center King Mill Savings & Credit Association Richmond County Health Department Employees Amoco Fabrics Company Credit Association Fieldale Glynn County Federal Employees Lovable Calhoun-Gordon County Educators' Crown Crafts, Inc. Employees Bulldog Trucking Employees Stratton Industries Credit Association Lay Employees Savings and Loan Credit Union Cumberland Credit Association
wA.ssCo.ciBatreaddleGyroEcmerpsloyees' Credit Association
"CPC" Columbus Coca-Cola Employees
Columbus Health &Hospital
Columbus Postal Columbus Regional Hospital Gas Light Employees Swift Tom's Credit Association Harris Employees Ethicon Statco Day Company Inc., Employees

CHARTER DATE
11-05-81 1-16-76 6-20-57 12-20-52 1-31-75 10-10-80 4-03-53 11-05-84 1-14-75 6-11-76 2-16-84 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

TOTAL ASSETS*
272 2,968 2,211
252 418 1, 166 3,394
0 187 213 90 260 2,044 165 965 221 23 79 987 9,639 91 283 999 545 398 1,394 626 24

CITY

Dalton

Dalton

Dalton

Decatur

Decatur

Decatur

Decatur

Decatur

Doravi 11 e

Doraville

Douglas

U'1 -...J

Dry Branch

Dublin

East Point

East Point

East Point

East Point

Fitzgerald

Forest Park

Forest Park

Fort McPherson

Gainesville

Gordon

Griffi n

Hapeville

Hapeville

Hazlehurst

Hazlehurst

COUNTY
Whitfield Whitfield Whitfi e1d DeKalb DeKalb DeKalb DeKalb DeKalb DeKalb Gwinnett Coffee Bibb Laurens Fulton Fulton Fulton Fulton Ben Hi 11 Clayton Clayton Fulton Hall Wil ki nson Spalding Fulton Fulton Jeff Davis Jeff Davi s

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
N. G. E. M. C. Tappan Employees Whitfield County Postal Employees Decatur Postal Employees Decatur Teachers GAE Members 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 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

*AMOUNTS IN THOUSANDS

CHARTER DATE
8-27-52 5-06-80 3-02-51 10-30-51 11-16-55 10-04-84 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 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

TOTAL ASSETS*
528 110 486 2,158 347 19 4,873 227 1,032 169 107 608 1,271 7,756 478 6,691 261 872 2,731 61 6,173 448 512 2,067 4,180 564 137 2,006

CITY

Helen

Jackson

Jonesboro

Jonesboro

LaFayette

Macon

Macon

Macon

Macon

c<..on

Macon Macon

Macon

Macon

Macon

Mari etta

Mari etta

McIntyre

Milledgeville

Mill edgev ill e

Monroe

Montezuma

Moultrie

Moultrie

Nashville

Norcross

Norcross

Pine Mountain

Ringgold

COUNTY
White Butts Clayton Clayton Walker Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Cobb Cobb Wilkinson Baldwin Baldwin Wa lton Macon Co 1qu itt Co 1qu itt Berrien Gwinnett Gwinnett Harris Catoosa

*AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Orbit Savings &Credit Association
CGEMC Employees C. C. B. E. Employees
Clayton Cities &County Employees
Roper LaFayette Employees' City Employees 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

CHARTER DATE
9-27-77 9-09-53 12-30-57 1-05-71 3-29-74 2-28-51 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*
305 332 3,070 1,193 318 327 2,697 4,360 251 1,143 367 161 1,751 277 5,233 2,366 241 528 6,542 246 376 147 114 1,256 1,112 734 414 867

CITY
Rome Rome
Rome Savannah Savannah Savannah Savannah Savannah Savannah U1 Savannah \D Savannah Savannah Savannah Sea Island Statesboro
Tall apoosa Thomasville Thomasville Toccoa Toccoa Valdosta Valdosta Valdosta Vidal i a 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 Lowndes Lowndes Lowndes Toombs Houston Houston Jefferson

* AMOUNTS IN THOUSANDS

LIST OF STATE CREDIT UNIONS
NAME OF CREDIT UNION
Floyd County Postal Employees Northwest Georgia (Formerly Northwest Georgia Teaches) 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 Central Ogeechee River Educators (CORE)
(Formerly Bulloch County School Employees) Dixisteel Davis Employees Credit Association Flowers Employees Credit League North Georgia Wright Manufacturing Employees South Georgia Area Public Employees Valdosta Educators Valdosta Onized Oxford Employees Christian Churches Warner Robins Employees Georgia-Tennessee Mining and Chemical
Employees

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 7-19-82 11-28-72 7-30-54 12-09-76 4-28-80 10-09-69 3-31-70

TOTAL ASSETS*
662 6,430
5,997 3,558 1,822 1,045 1,845 1,484
376 3,191
392 120 2,485 4,290 1,301
623 283 6,689 3,578 1,894 467 799 6,779 762 244 636 32

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ABSTRACT OF REPORTS OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA
AS OF DECEMBER 31,1984 WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1983
(Amount in Thousands)

No. of Credi t Uni ons

AMOUNT PERCENT

Dec. 31

Dec. 31

Increase Increase

1984

%*

1983 -%-* (Decrease) -Decrease

165

168

ASSETS

Cash and Due from

$ 25,333 2.0 $ 15,727 1.4

Depository

U.S. Govt. Obligations

181,514 14.5 153,599 13.7

Corporate Credit Unions

165,558 13.2 197,660 17 .6

Other Investments

191,115 15.3 182,682 16.3

Net Loans

670,438 53.5 556,770 49.6

Credit Union Premises

5,844 0.5

5,227 0.5

Furniture and Fixtures

Other Assets

12,201 1.0

10,084 0.9

$ 9,606
27,915 (32,102 )
8,433 113,668
617
2,117

61 .1%
18.2% -16.2%
4.6% 20.4% 11 .8%
21.0%

TOTAL ASSETS

$1,252,003 100.0 $1,121,749 100.0 $130,254

11 .6%

LIABILITIES

Share Draft

$ 50,030 4.0 $ 34,327 3. 1

(Demand Deposit)

Member Savings, Deposits 1,083,011 86.5 986,028 87.9

and Certificates

Div./Int. Payable

6,676 0.5

6,687 0.6

Notes Payable

40,740 3.3

37,928 3.4

Accounts Payable and

2,414 0.2

2,442 0.2

Other Liabilities

TOTAL LIABILITIES

$1,182,871 94.5 $1 ,067,412 95.2

EQUITY CAPITAL
Member Shares Reserves Undivided Earnings
TOTAL EQUITY CAPITAL
TOTAL LIABILITIES AND EQUITY CAPITAL

$ 1 ,981 0.2 $ 1,934 0.2

38,771 3. 1

32,235 2.9

28,380 2.3

20,168 1.8

$ 69,132 5.5 $ 54,337 4.8

$1,252,003 100.0 $1,121,749 100.0

$ 15,703 96,983 ($11 ) 2,812 ($28)
$115,459
$ 47 6,536 8,212
$ 14,795 $130,254

* Percent of Total Assets

45.7% 9.8% -0.2% 7.4% -1 .1%
10.8%
2.4% 20.3% 40.7% 27.2% 11.6%

- 60 -

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, 1984 AND DECEMBER 31, 1983
(Amount in Thousands)

OPERATING INCOME
Interest on Loans Income from Investments Other Income

Dec. 31 1984 %*

Dec. 31 1983 %*

AMOUNT PERCENT
Increase Increase (Decrease) -Decrease

$ 83,389 58.9 $ 71 ,229 60.8 $12,160

17 .1

55,354 39.1 44,164 37.7 11 ,190

25.3

2,751 1.9 1,815 1.5

936

51.6

TOTAL OPERATING INCOME

$141,494 100.0 $117,208 100.0 $24,286

20.7

OPERATING EXPENSES

Employees Compo &Benefits $ 11 ,833 8.4 $ 10,048 8.6 $ 1,785

17.8

Office Expenses

5,110 3.6 4,226 3.6

884

20.9

Interest on Borrowed Money 3,661 2.6 2,580 2.2 1,081

41.9

Other Expenses

8,162 5.8 7,038 6.0 1,124

16.0

TOTAL OPERATING EXPENSES $ 28,766 20.3 $ 23,892 20.4 $ 4,874

20.4

INCOME BEFORE RESERVE

TRANSFERS &SECURITIES $112,728 79.7 $ 93,316 79.6 $19,412

20.8

GAINS/LOSSES

Net Reserve Transfer

6,282 4.4 5,158 4.4 1,124

21.8

INCOME BEFORE SECURITIES GAINS/LOSSES
Securities Gains/Losses, Net
NET INCOME AVAILABLE FOR DIVIDENDS
Dividends/Interest on
Shares &Deposits
NET INCOME RETAINED

$106,446 75.2 88,158 75.2 18,288

40 .0

54 .0

(14)

$106,486 75.3 $ 88,212 75.3 $18,274

97,097 68.6 81 ,363 69.4 15,734

$ 9,389 6.6 $ 6,849 5.8 $ 2,540

20.7 -25.9 20.7 19.3 37.1

* Percent of Total Income

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CITY Canton
Conyers
Du1 uth
en
N
Hiawassee Marietta
Ma rti nez
Sandy Springs
Toccoa

LIST OF STATE-CHARTERED SAVINGS AND LOAN ASSOCIATIONS

COUNTY

NAME OF SAVINGS AND LOAN

CHARTER DATE

Cherokee

North Georgia Savings and Loan Association, Inc.

3-29-79

Rockdale

Rockdale Savings and Loan Association

8-14-81

Gwinnett

Investors Trust Savings and Loan Association

1-17-84

Towns

Mountain Savings &Loan

11-08-83

Cobb

Cobb Savings and Loan

Association

1-13-81

Columbia

First Columbia Savings and Loan Association

9-26-83

Fu1 ton

Metro Savings and Loan Association

1-19-84

Stephens

1st Franklin Savings &Loan
Association

3-15-84

BEGIN BUSINESS 5-31-79 9-27-83 5-03-84 12-08-84 11-01-82 6-01-84 6-01-84 7-23-84

TOTAL ASSETS* 36,815
7,649 21 ,489 1 ,612 23,350 7,294 18,581 3,750

* AMOUNTS IN THOUSANDS

SUMMARY OF ACTIVITIES OF SAVINGS AND LOAN ASSOCIATIONS ARTICLES OF INCORPORATION APPROVED

NAME OF SAVINGS AND LOAN
Investors Trust Savings and Loan Association Georgia First Savings and Loan Association
Sentry Savings &Loan
Metro Savings and Loan Association
1st Franklin Savings &Loan Association

LOCAT ION
Duluth Gai nesvi11 e Roswell Sandy Springs Toccoa

APPROVED
1-09-84 4-06-84
1-10-84
1-16-84 3-12-84

PER~1ITS TO BEGIN BUSINESS

NAME OF SAVINGS AND LOAN
Investors Trust Savings and Loan Association
Mountain Savings &Loan
First Columbia Savings and Loan Association Metro Savings and Loan Association
1st Franklin Savings &Loan Association

LOCATION
Duluth Hiawassee Martinez Sandy Springs Toccoa

APPROVED
5-03-84 12-08-84 6-01-84
6-01-84 7-23-84

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DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITION OF STATE SAVINGS AND LOAN ASSOCIATIONS AS OF DECEMBER 31, 1984
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1983

ASSETS
Cash and Due from Depository Institution Securities Federal Funds Sold and Securities Purchased
Under Agreement to Resell Gross Loans and Lease Financing Receivables
Reserve for Loan Losses and Lease Losses Unearned Income Net Loans and Lease Financing Receivables Savings &Loan Premises, Furniture and Fixtures Other Real Estate Owned Other Assets TOTAL ASSETS

December 31, 1984 8 Associations
$ 19,801 8,512 15,576
71 ,032 (180) (804)
70,048 4,154
6
2,443 $120,540

December 31, 1983 3 Associations
$ 2,365 4,341 6,486
26,951 (47)
26,904 1 ,806
85 902 $42,889

LIAB ILIT! ES Demand Deposits of IPC - Domestic Time and Savings Deposits of IPC - Domestic Deposits of U.S. Government Deposits of SCM All Other Deposits Certified and Officers' Checks Total Deposits Other Liabilities TOTAL LIABILITIES

$ 9,031
82,656
30 6,890
10 2,926 $101,543
2,584 $104,127

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

EQUITY CAPITAL Common Stock Surplus Undivided Profits and Capital Reserves TOTAL EQUITY CAPITAL TOTAL LIABILITIES AND EQUITY CAPITAL

$ 6,581 9,229 603
$ 16,413
$120,540

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

* AMOUNTS IN THOUSANDS

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DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES
OF STATE SAVINGS AND LOANS IN GEORGIA
FOR CALENDAR YEARS ENDING DECEMBER 31, 1984 AND DECEMBER 31, 1983

December 31,1984 8 Associations

INTEREST INCOME Interest and Fees on Loans Income from Lease Financing Interest on Balances with Depository Institutions Income on Federal Funds Sold and Securities Purchased under Agreement to Resell Interest and Dividends from Securities
TOTAL INTEREST INCOME

$7,009
o
423 1,160
- -58-5 $9,177

INTEREST EXPENSE Interest on Deposits Expense of Federal Funds Purchased and Securities Sold under Agreements to Repurchase Interest on Other Borrowed Money Interest on Subordinated Notes and Debentures
TOTAL INTEREST EXPENSE

$5,033 61
6 0
$5,100

NET INTEREST INCOME

4,077

TOTAL NON INTEREST INCOME

1,226

OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy Expense of Savings
&Loan Premises, Furniture and
Equipment Expenses Other Noninterest Expenses
TOTAL OVERHEAD EXPENSES

2,542 781
1 ,822 $5,145

PROVISION FOR LOAN LOSSES

142

SECURITIES GAINS OR LOSSES

6

NET OPERATING INCOME BEFORE TAXES

22

APPLICABLE INCOME TAXES

7

NET OPERATING INCOME AFTER TAXES

15

EXTRAORDINARY INCOME OR EXPENSES, NET

0

NET INCOME (Amounts in Thousands)

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$ 15

December 31, 1983 3 Associations
$3,350
o o
281
349 $3,980
$2,356 28
39
o
$2,423 1 ,557
314
806 285
522 $1 ,613
50 0 208 64 144 0 $ 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.

TOTAL NUMBER OF

NAME

LOCATION

GEORGIA AGENTS

LICENSE NO.

American Express Travel Related Services Compa ny, Inc.

New York, NY

543

1

0'1 Associates Financial Express, Inc.
0'1
Atlanta Cash It Here, Inc.

Da 11 as, TX Atlanta, GA

343

2

0

16

BA Cheque Corporation &BankAmerican

San Franci sea, CA

275

3

Corpora ti on

Barclays Bank International Ltd.

New York, NY

72

4

The Chase Manhattan Corporation

New York, NY

195

5

Citicorp &Citicorp Service, Inc.

Chicago, IL

267

6

Deak-Perera Georgia, Inc.

Atlanta, GA

0

7

First Security Money Orders, Inc.

Beaufort, SC

6

8

Munford, Inc.

Atlanta, GA

202

9

National Money Orders, Inc.

Houston, TX

24

10

Republic Money Orders, Inc.

Da 11 as, TX

453

11

Societe Francaise du Cheque de Voyage

New York, NY

13

12

Thomas Cook, Inc.

Princeton, NJ

121

13

Travelers Express Company, Inc.

Minneapolis, MN

891

14

Travellers Cheque Associates Ltd.

New York, NY

51

15

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 Unions in Liquidation. Fixed Assets Other Assets
TOTAL ASSETS .

12-31-84
$ 14,599 6,084,792
36,441 6,897 20,668 12,285 $6,175,682

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

$ 9,100 3,431,677 2,734,905 $6,175,682

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

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