Sixty-sixth annual report [1985]

1985 Sixty-Sixth Annual Report
Department of Banking and Finance
State of Georgia
by
Commissioner

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA ATLANTA
SIXTY-SIXTH ANNUAL REPORT YEAR ENDING DECEMBER 31, 1985
****
E. D. HJACK HDUNN COf'll~\ ISS lONER
ROBERT M. MOLER DEPUTY COMMISSIONER
****

TABLE OF CCNI'ENTS

Hi.st.ory of r::e~t..........................................................i

summary of Cbndition and structural Changes

ii

Official I:>ster................................................................ i v

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

Staff Pho toqraphs .................................. vi

District ~p. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. xv

Receipts and Dis1::>ursenents

xvi

Leqal, Holidays

xvii

Summary of Activities of Banks:

Articles of Incorpcratii.on for Banks Approved.

1

Articles of Dissolution for Interim Bank Approved

.

1

Articles of Incorporat.Lon for Interim Banks Approved.........

1

Applications to Cbnvert to a State-chartered Bank Approved

v, 1

Mergers of State Banks into National Banks............................. 2

Permits Issued for Banks to Begin Business

.

2

Permission Granted to Exercise Trust Fowers............................. 3

Miscellaneous SUpervised Institutions..................

3

Applications for Consoliation and/or Mergers Approved.

3

Miscellaneous Applications to lmend

Articles of Incorporat.Lon Approved.

5

Branch l3a.nks as of Decerroez 31, 1985........................................ 6

Bank Of fices Facilities Approved but Unopened

as of Decerroer' 31, 1985

~.

10

TABLE CF <XNI'ENI'S (CCNTINUED)

State Banks in I.a:i.quidation.................................................. 12 Additions and Deletion - Banks and Bank Offices 13

List of State and ~tional Ba.nks .............................................. 19

Ab~tract of Reports of Cbnditions - Banks..................................... 32

Comparative statement of Earnings and EXpenses - Banks 35

Hegistered Bank Holding Cbmpanies and SUbsidiary Banks 38

Bank Holding Companies Deregistered/Dissolved 50

Applications approved for Bank Holding Ccrrpany Subsidiaries to ~rg-e across Cl:>UIlty .I.ines. . . . . . . . . . . . . . . . . .. 51

International Bank J.lqencies, Banking Facilities and

IEpresentative Offices

53

&urmary of Activities of Credit Unions:

Cl1arter Applications ApprOV'ed. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 59

Applications for Voluntary Liquidations and/or Margers 59

summary of Additions and Deletions during 1985 59

leceiver-slri.p Liqtlidations

60

List of state-Chartered credit unions ........................ 61

Abstract of Reports of Cbndition - Credit unions 66

Comparative StateIrent of Earnings and EXpenses - Credit unions 67

List of State-<11artered Savings and !Dan Associations 68

List of State-Chartered savings Banks.............................. 68

TABLE CF CCNl'ENI'S (COOTlNUED)
SUmmary of Activities of savings and loan Associations: .AIrendIrents of Articles of Incorporation J1pproved and Pennits to Begin Business - savings and loan Associations ........... 69
Abstract of Reports of Condition - savings and loan Associations........ 71
Comparative Statenent of Earnings and EKpenses savings and loan Associations............................................... 72
Abstract of Reports of Condition - State savings Banks . 73
CoISrptaartaetiSveavsintagtsarBenat.nofkEsa.r.n..in.g..s..a.n.d..E.x..p.e.n.s.e.s..-.................................. 74
Registered savings and lDan Holding CClrpanies and SUbsidiaries.... 75
Finns Licensed by Commissioner - sale of O1ecks Act ............... 76
C6Jrgia Credit Union Deposit Insurance Corporation Statenent of Asset.s and Iaiabilities........ 77

HISTORY OF THE DEPARTMENT

1919

1985

The Department of Banking and Finance was created by the Executive Reorganization Plan of
1972 as successor to the Department of Banking. The original Department of Banking was created by
Act of the Legislature in 1919 concurrent with the enactment of The
Banking Law which deals with the in-
corporation 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): Reg-
ulated 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 Insti-
tutions 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 State-
chartered credit unions and building and loan associations. Most recently, bank holding companies have been permitted
to expand within a ten state southeastern region under
the Department's supervision.

-i -

SUMMARY CF cnmITlOO AND STROC'IURAL CHAN.;ES IN F'llWCIAL INSTI'IUl'ICNS OORING 1985

The financial and statistical infonnation contained in this report has been coopiled fran the annual reports of condition subnitted by the 317 Statechartered banks, 54 National banks, 159 State-chartered credit unions, 6 Statechartered savings and loan associations, 2 State-chartered savings banks, and 17 licensed noney order conpanies operating in this State, and other statistical infonnation made available through the examination, investigation and licensing of financial Inst.i.tntaons and others under the supervision of tOO Depa.rbren.t of Banking and Finance. The purpose of this report, required by section 7-1-74 of the Official Ccx1e of Ceozgia Annotated, is to provide factual and statistical information that might prove useful to the financial industry and may be used by individuals and financial institnt.ions w1D might be engaged in econanic studies or might othe:rwise be interested.

BANKING
DIVISICN

The year-end call reports reflect a continuation of sound econcmic grcwth in the banking system. 'Ibtal assets for the 371 National and State-chartered banks anounted to $47,129,019,000 reflecting an increase of $7,166,167,000 or 17.9% over 1984 assets.

Expansion of State-chartered banks through new banks, bank offices and facilities continued. An additional 8 banks and 54 banking offices and facilities opened during 1985. Nineteen offices closed or Irezged into National banks bringing tOO total of such offices to 505.

During 1985, the Department; approved 51 applications by bank oolding <:::e>npanies and one savings and loan association application, for pennission to acqud.re controlling interest in additional Ceorgia banks, bank holding carpanies or savings and loan associations. Twenty-three of these appki.cat.i.ons were approved to establish new bank bol.di.rq <:::e>npanies.

Eighteen international bank agencies and eight 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 ore separately chartered trust conpany. Other depository financial instimtions exercise limited trust pcMers in connection with individual retirem:mt accounts authorized by the Employee Retirenent Inoome security Act of 1976 enacted by Congress.

Articles of 1mend1rent of Articles of Incorporation \-Jere approved for four banks to increase their outstanding capital stock. The Department approved five Articles of AmendIrent creating authorized but unissued shares to be issued in the future, seventeen banks \-Jere granted pennission to issue authorized but unissued shares through stock dividends or sales. 1lmendments

- ii -

StM-1ARY OF CCNDITICN AND STROC'IURAL CHANGES IN FINANCIAL INSTI'IUI'IONS WRING 1985 (Continued)

BANKING DIVISICN (Continued) 'IHRIFI' INSTI'IUI'ICNS DIVISION
SALE OF CHECKS ACT
OTHER INSTI'IUTICNS

~re approved forone bank to change the par value of its shares, for seven banks to change their names, and for four (banks to aoqui.re trust ~s. Permission was granted for four banks to issue subordinated securities.
Credit Unions operating under State charter have experienced steady grcwt:.h during 1985. Consolidated financial and statistical reports of the 159 State-chartered credit unions reflect an increase in total assets of $300,709,000 or 24.0% to a total of $1,552,712,000. All State-chartered credit unions pravide their merrbers with deposit protection through the National Credit Union .Mministration or the Corgia Credit Union Deposit Insurance Corporation.
Total assets of six State-chartered savings and loan associations as of Decenber 31, 1985, ~re $144,057,000 and two State-chartered savings banks were $40,121,000. All such institutions carry either federal or private deposit insurance.
At year-end the Georgia Credit Union Deposit Insurance Corporation had total resources of $6,835,414 and insured deposits of 123 credit unions and six savings and loan associations having total insured deposits of $989,853,849.
'!he Deparfrrent; of Banking and Finance supervi.ses the licensing licensing of deck sellers pursuant to the Corgia sale of Checks Act enacted in 1965. seventeen canpanies with a total of 4,172 agents throughalt the State ~re licensed to do business under the Act during 1985.
The Departrrent, is charged with the responsibility of supervi.sf.nq the operations of Bank Data Processing Cooperatives, Fiducia:ry Investment eatlpanies and Business Developrent Corporations. '!here is one business developrent corporation but no fiducia:ry investment corrpanies currently operating.

- iii -

OFFICIAL ROSTER

Eo D. DUNN Commissioner
ROBERT M. MOLER, CrE Deputy Commissioner

Reece V. Morris, CFE ....... Deputy Commissioner for Administration

John B. Kline, CFE .... Deputy Commissioner for Bank Supervision

Bankh, In:tvma:ti.onal Bani, Age.nci.u, TJtu6u

Steven D. Bridges, CFE. .. Deputy Commissioner for Thrift Institutions

CJr.ecJ.,.i;t. UrUon6, Bui.cLi..ng and Loan M.6oci.a:U.On6, Check Se.UVL6

David G. Sorrell, CFE ....... Director of Training

CoOILcLi..na.tOIL nOll TJr..lLiJWtg and Educ.a.t<.onal Acti..vi..U..u
Grace M. Lurry.......... 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

Exarn-i.na:ti.on RepoJLt Review, HolcLi..ng CompanA.e.6, Ref.oc.a.t,.i.ort.6, MelLgVL6,

and OtiLeIL Applic.a:ti.ort.6, Sec.u!LUA..u ApplLOva..l.6,

COn6umeIL A66o...i.Jr.h, Tec.hni.c.ai. and Legal.

Melinda G. Kinard. Senior Financial Examiner

CooJr.cLi..na.tOIL 60IL EOP Acliv-LUe.6

Sarnara Moo re

,_ ............................................ . Accoun tan t

Ac.c.oun:ting and Fi.6c.al.

Jeannie Benefield. Administrative Assistant for Banks

Dianne Blackstone. Administrative Assistant for Banks

Vickie Busby Administrative Assistant for Thrifts

Coltpolta:te MattelL.6, COn6umeIL A66ai.Jr..6, Pending AppUc.a.tion6,

VepaJLtmen:t Bull.e..ti.n, Exarn-i.na:ti.on Repoltt Review,.

stttU6:tic.al RepoJLt.6, Tec.hni.c.ai. and Legal.

Maggie Smith .......................... Personnel Manager

Pe1L.6 0 nnef.

Sonja Hencely... Secretary to Commissioner/Deputy Commissioner

Appo.i.ntmen:t.6, Con6eJr.e.nc.e.6 and Se.mi.naJt6, In6o!Lrna:t<-on,

FoJun6 and AppUca.tiOn.6

Vi cki Allemand .................... Secretary Typist

Tanmye Bogus ........................... Secretary Typist

Susan Brown ................................. Princi pa 1 Secretary

Regina Buchanan ................................ Senior Secretary Typist

Renate Carroll ........................... Accounting Technician

Irene Cox................................ Senior Secretary Typist

Beverly Fitzpatrick

Principal Clerk

Marilyn Fuller

Principal Secretary

Terry Glover........................................ Senior Clerk

Marilou Harvey ..........................................Principal Secretary

Bonnie Steele ........................................... Principal Clerk

- iv -

DISTRICT NORTHWEST
NORTHEAST
CENTRAL
<
EAST CENTRAL
SOUTHWEST SOUTHEAST

DISTRICT DIRECTOR Jackson D. Hardy David A. Hancock
C. Douglas Peugh Robert H. Callier Robley S. Rigdon Norman E. Mimbs

FIE L D E XA MI NE R S

SENIOR EXAMINERS
William Atkins James Brooks

EXAMINERS
James Emory Victor Greene Larry Moody

Drexel Beck
Georgia High John H. Pennell Barry L. Rooks Emory Stanford Hubert C. Mi 11 er Gary Ford

Princess Brown Nan Ansley Michael Killeen Ned Overby George Rey no 1ds Tracy Wh ites ides James Winn Robert Rosentreter
Harry Brown Bill Reed Kevi n Sharpe Jenny Nevi 11 e
Michael Hooks Dianne Hickman

Larry T. Duke Robert L. Herndon D. Ray Johnston Michael A. Rosser
James F. Mi 11 s Billy S. Wilson Jane M. Whitfield

Eugene Cline Joyce Jones John F. Sutphin
George Keaveney Ava Lovett Sarah Jenkins David Widincamp

ASSISTANT AND SENIOR ASSISTANT EXAMINERS David G. Aten Benjamin Blasingame Robert Braswell Ronald Furukawa Randy Jones Louis Otos Janet Blackmon Norris Barger Brett Johnson
Sandra L. Sheley Angela Ruddick
Ann Adams Vicki Brantley Gary Fields William J. Mobley Steve Powell David Satterfield Wendy Banks Kenneth Dawson Gregory Lowe Gregory S. Be 11 Patrick Brahana Ernest Coats Jean James

CURRENT STAFF

/

E.D. "Jack" Dunn Commissioner

Robert M. Moler Deputy Commissioner

Reece V. Morris Deputy Commissioner
for Administration

John B. Kline Deputy Commissioner
for Banking
- vi -

Steven D. Bridges Deputy Commissioner
for Thrifts

Photo Not Available
Ann Adams

Vicki Allemand

~
E. Nanette Ansley

William D. Atkins
Photo Not Available
Norris Barger

David Aten Drexel Beck

Wendy Banks
Photo Not Available
Gregory Bell

Jeannie Benefield

,
Janet Blackmon
- vii -

Dianne Blackstone

Ben Blasingame Vicki L. Brantley

Tammye Bogus
Photo Not A va ilabl e
Robert Braswell

Patrick Brahana , /,
James Brooks

Harry Brown

Princess Brown

Susan Brown

Regina Buchanan

Victoria L. Busby
- viii -

Robert Callier

Renate Carroll

Gene Cline

Ernest D. Coats

Irene Cox James Emory

Ken Dawson
Photo Not Availabl e
Gary Fields

Larry Duke Gary Ford

Marilyn Fuller

Ron Furukawa
- tx -

Terry Glover

Vietor Greene

David Hancock

-
Jackson Hardy

Marilou Harvey

Sonja Heneely

Larry Herndon

Dianne Hickman
Photo Not Available
Jean James

Georgia High
Sarah B. Jenkins
- X-

' v:::

,./

Michael Hooks

Photo Not Available

Brett Johnston

D . Ray Johnston

Joyce R. Jones

Randy Jones

George S. Keaveney Ava R. Lovett

Michael Killeen
Photo No t Ava ilable
Gregory Lowe

Melinda Kinard Grace Lurry

Hubert Miller

James F. Mills
- xi -

Norman E. Mimbs

Photo Not Available
William Mobley

Larry Moody

Larry S. Moor

Barbara Moore

Jenny Neville

Wayne Orr

Louis Otos

Ned Overby

John H. Pennell , II

C. Douglas Peugh

Steve Powell
- xii -

Bill Reed

.i. :
George Reynolds

Robley Rignon

Robert J. Rosentreter
Photo Not Available
Dav id Satterfield

Mike Rosser Kevin M. Sharpe

Barry L. Rooks
Photo Not Available
Angela Rudd ick
Photo Not Available
Sandra Sheley

Ralph J. Shire

C. Craig Smith
- xiii -

Maggie Smith

David Sorrell

Emory Stanford

~ ::.,...

:r

-\

.._. t . '

,

. . . . \ . '\.

.. , ~ '.,

.'

.. ...

Bonnie Steele

~'_--L
John Sutphin, III

Tracy D. Whitesides

Jane M. Whitfield

David Widincamp

Billy S. Wilson, Jr.

James Winn

- xiv -

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

""Y
~

/

-,

\

'"'J .

U

I

~

- -L_'"I

F

L

o

R

D

A

- xv -

RECEIPI'S AND DISBURSEMENrS FISCAL YEAR 1985

REVENUES COLLECI'ED
Bank Examination and SUpervision Fees New Bank, B:l.I1k Office and lblding Corrpany
Investigation Fees Credi,t Union Examination and SUpe:rvision Fees sale of O1ecks Investigation and License Fees Building and loan Examination I SUpe:rvision and
Investigation Fees lblding Corrpany Examination and SUpe:rvision Fees Miscellaneous Fees and Fines
'lbtal Revenues Collected and IEmitted to Fiscal Division, Department of Administrative services
DISBURSEMENrS
Personal services futor Vehicle Expense SUpplies and Materials Fepairs and Maintenance Travel Expense futor Vehicle Fquiprent Purchase Printing Equiprent Purchases Office Rent Computer Corrarunications Miscellaneous
Total Disburserrents
NEI' REVENUES OVER DISBURSEMENl'S
Adjustment against Future Assessrents

2,981,127.50
379,390.00 584,601.00
25,626.00
27,642.00 151,000.00
5,330.52
4,154,717.02
3,084,384.67 65,251.94 22,626.51 12,836.23 270,829.64
134,747.81 13,565.15 7,056.16 132,043.74
122,246.55 28,768.60 29,068.96
3,923,425.96
231,291.06

- xvi -

LEGAL HOLIDAYS - 1985

January 1 .

New Year's Day

January 19

. Rol::ert E. Lee's Birthday

February 22 . . . . . . George washington's Birthday (Observed Third r-bnday in February)

April 26 . . . . . . . . . . . Confederate Memorial Day

May 30 . . . . . .

National Memorial Day

(Cbserved last r-bnday in May)

JUne 3 . . . Jefferson Davis's Birthday

July 4 . . . . . . . . . . . . . . . . . . . . . . . . . . Independence Day

First l-bnday in september . . . . . labor Day

OCtol::er 12 . . .

. Columbus Day

(Observed Second l-bnday in october)

November 11 . . . . . . . . . . . . . . . . . . . . . . . . . .Veterans Day

Fourth Thursday in Noverrber . . . . . . . . . 'lhanksgiving Day

Decerrber 25 . . . . . . . . . . . . . Christ:Inas Day

(Whenever a public and legal holiday occurred on a saturday, the preceding Friday was observed as a public holiday. Whenever a public and legal holiday occurred on a SUnday, the following r-bnday was observed as a public and legal holiday.)

- xvii -

ARTICLES CF INCC>RroRATIOO FOR BANKS APPROVED

NAME CF BANK
Georgia Bankers Bank The Bank of Spalding County Comrrercial Exchange funk Ctmrm.mity Bank & Trust Corrpany Smyrna Bank & Trust Co.

Atlanta Griffin Kennesaw Mableton
Snyrna

APPIDlED
11-14-85 10-01-85
1-08-85 6-05-85 1-08-85

ARI'ICLES CF DISSOUJI'ICN FOR INTERIM BANK APPROVED
('Ib facilitate acqu.i.ai.t.Lon of an existing bank)

NAME CF BANK

:u:DITION

APPROVED

Greensboro Interim Bank

Atlanta

1-07-85

ARl'ICLES CF INCORPORATICN FOR INTERIM BANK APPROVED
('Ib facilitate acqui.ai.t.ion of an existing bank)

NAME CF BANK

:u:DITION

APPROVED

Fbrsyth Interim Bank

Atlanta

1-31-85

APPLICATICNS TO CONVERI' '1'0 A STATE-cHARrERED BANK APPROVED

NAME CF BANK

IOCATION

APPROVED

EFF'ECI'IVE

G20rgia First Bank (forrrerly Georgia First
Savings and loan Association)

Gainesville Gainesville

12-05-85

12-05-85

First ColtnTbia Bank (forrrerly First Coltnnbia
Savings and loan Association)

Martinez Martinez

6-28-85

7-01-86

Sentry Bank and Trust Corrq:>any (forrrerly sentry Savings &
loan) Acquired Full Trust ~rs

Roswell Atlanta

10-04-85

10-04-85

- 1-

MERGERS CF STATE BANKS lNl'O NATIONAL BANKS

NAME CF BANK
Farmeza Bank of Pelham into Trust CbItpany Bank of SOOth Georgia, National Association
TtE Bank of Griffin into Bank South, National Association
The Bank of Macon County into TtE First National Bank of Atlanta
The R:Ire Bank and Trust Cbrrpany The Citizens and Southern Bank
of Albany The Citizens and Southern Bank
of Ulblin The Citizens and Southern Bank
of west <orgia The Citizens and Southern
Newnan Bank The Citizens and Southern Bank
of Tlnnaston into The Citizens and Southern National Bank

liX:.ATION Pelham Albany Griffin Atlanta M:>ntezuma Atlanta R:>me Albany Dublin laGrange Newnan Thomaston
savannah

EFFECTIVE
4-01-85
4-19-85
6-30-85
8-01-85 12-31-85 12-31-85 12-31-85 12-31-85 12-31-85

PER4ITS ISSUED FUR BANKS TO BEGIN BUSINESS

NAME CF BANK
International Ci ty Bank First Colony Bank Cc:xnn'ercial Exchange Bank Bank of <orgia Snyrna Bank & Trust Co.

lOCATION
warner lbbins Alpharetta Kennesaw watkinsville Snyrna

ISSUED
1-03-85 1-14-84 7-25-85 8-08-85 12-19-85

OPENED
1-04-85 1-18-85 7-29-85 8-12-85 12-23-85

- 2-

PER-1ISSIOO GRANTED TO EXERCISE TRUST POWERS

NAME CF BANK

TYPE

Farmer's & ~rchants Bank
SUInnE~ille

Limited

The Citizens Bank Fbrt Valley

Limited

Citizens Bank and 'I'nlst of west Georgia Carrollton

Full

APPROVED
2-28-85 4-17-85 10-08-85

MISCEI.LANEXXJS SUPERVISED rnSTITUI'IOOS

. . . . . . . . . . . . . . The Business Developrent Cbrporation of Georgia, Inc.

Atlanta

Bank-owned Cooperative Data centers:* First Financial Managerrent COrp.

Atlanta

*D:>es not include depart.nents and wl'x>lly owned subsidiaries of major correspondent banks which may perfonn data processing services for others.

APPLICATICNS FOR COO'SOLIDATICNS AND/OR MERGERS APPROVED

NAME CF BANK
sumter Bank and Trust <brrpany, SUrvivor
and Fanners & Merchants Bank
Jeff Davis Bank, SUrvivor and
Jeff Davis Interim, Inc.
Bank of Doo.ly , SU~ivor and
Deoly Interim, Inc.

IOCATION
Arrericus)
) )
leslie )
Hazlehurst)
)
Hazlehurst)
Vienna)
)
Vienna)

ACrIVITY Merger M=rger Merger

APPROVED
1-24-85 2-06-85 4-09-85

- 3-

APPLICATICNS FOR CCNSOLIDATICNS AND/OR MERGERS APPROVED (COOTINUED)

NAME OF BANK
The Bank of Ellijay, Survivor and
Ellijay Interim Corporation
Columbus Bank and Trust Company, Survivor
and First United Bank
The First National Bank of Atlanta, Survivor
and The Bank of M:lcon County
Citizens Union Bank, Survivor and
Greene County Interim Corporation
Ebrsyth Interim Bank , Survivor and
First Citizens Bank
Bank South, M:lcon, Survivor and
Forsyth Interim Bank
Jasper Banking Corrpany, SUrvivor and
JOC Interim, Inc.
First Georgia Bank, Survivor and
First Georgia Bank of Cobb County Ccmnercial & Exchange Bank
Forsyth County Bank, Survivor and
Forsyth County Interim Corporation
The Citizens Bank, Survivor and
Nashville Shares, Ltd.
Georgia Railroad Bank s Trust Corrpany,
Survivor and
Wlshington loan and Banking CoITpany

lOCATION
Ellijay )
)
Iahlonega)
Columbus )
) )
M::mtezuma)
Atlanta )
) )
r-bntezuma)
Greensboro)
)
Greensboro)
Atlanta)
) Forsyth)
Macon )
)
Atlanta)
Jasper)
)
Jasper)
Atlanta )
)
lv"arietta) Brerren )
C1lmming)
)
Cl.1mrni.ng)
Nashville)
)
Nashville)
Augusta )
) )
washington)

ACTIVITY
Merger Merger Merger Merger Merger Merger Merger Merger Merger M:!rger Merger

APPROVED
4-11-85 4-23-85 5-13-85 6-17-85 6-21-85 6-21-85 7-10-85 7-11-85 7-24-85 7-26-85 8-12-85

- 4-

APPLICATIOOS FOR crnSOLIDATIONS AND/OR MERGERS APPROVED (C<Nl'INUED)

NAME CF BANK

ACl'IVITY

APPOOVED

Bank of IXxige County , SUrvivor and
Colony Interim, Inc.,

Chester )
)
Fitzgerald)

First FUlton Bank and Trust, Survivor and
FUlton Interim, Inc.,

Pa1Jretto)
)
PaJ..Iretto)

Citizens Bank and Trust of ~st Georgia, Survivor
and The Ci.tizens & ~rchants Bank

Carrollton)
)
)
Brenen )

Georgia Railroad Bank & Trust Conpany, SUrvivor
and Georgia State Bank

Augusta)
) )
Martinez)

First Georgia Bank, SUrvivor and
Gwirmett Bank & Trust Conpany

Atlanta )
)
Norcross)

Merger Merger Merger Merger Merger

9-17-85 11-01-85 11-07-85 11-21-85 12-13-85

MISCELIJ.\NEOUS APPLICATIOOS 'ID AMEND ARTICLES CF INCORPORATICN APPROVED

NAME CF BANK First state Interim Bank
Peoples Bank
Bank of Georgia
The Fanrers Bank of Tifton

LOCATION Cordele
St. Ma:rys watkinsville Tifton

NA'IURE OF ~ APPROVED

Olange Name to: First State Bank and Trust Ccn1pany in Cordele

1-08-85

O1ange Name to: First South Bank of Canrlen County

1-10-85

Acx;Iuire full Trust Powers; O1ange Number of Directors

6-07-85

Change Name to: First Conmmity Bank of Tifton

7-08-85

- 5-

l-USCELI..ANEOUS APPLlCATICNS ro AMEM) ARI'ICLES OF INCORPORATICN APPROVED
(C<NI'INUED)

NAME CF BANK
!eliance Trust Corrpany Bank of Carroll County
Bank of Rltledge The State Bank of leesburg, Ceo:rgia Newton County Bank

IDCATICN Atlanta Terrple
Rutledge leesburg Mansfield

NA'lURE OF AMENI:MENI' APPROVED

!estate Articles of Incorp:>ration

8-13-85

Olange Name to: Citizens Bank and Trust of west Geo:rgia; Olange Iocation of Registered Office to carrollton, Geo:rgia; Acquire Full Trust PcMers

8-20-85

O1ange Name to: BankofM::>rgan County

9-09-85

Olange Name to:
First State Bank &
Trust Coopany In leesburg; Acquire
Full Trust PcMers

11-04-85

O1ange Name to Alcovy Banking Conpany

11-14-85

Peoples Bank of Bartav County

Taylorsville

C1lange IDeation of Registered Office to cartersville

11-20-85

BRANCH BANKS AS OF DECEMBER 31, 1985

NAME OF BANK
First State Bank & Trust Cbnpany Albany
Security Bank and Trust Conpany of Albany Albany

CHARTER CaJNTY
Ibugherty
Ik>ugherty

- 6-

BIWOi CaJNTIES
Clay, Decatur
Miller

BRANCH BANKS AS OF DOCEMBER 31, 1985 (CCNTINUED)

NAME OF BANI<

CHARl'ER COONTY

BRAOCH CCXJNl'IES

Trust OJIrpany of Bank South Corgia, National Association
Albany
Heritage Bank Alpharetta
The First National Bank of Athens Athens
Bank South, National Association Atlanta
First Corgia bank Atlanta
Th2 First National Bank of Atlanta Atlanta

Douqberty Fulton clarke Fulton
Fulton Fulton

The National Bank of Corgia Atlanta
Trust OJIrpany Bank Atlanta
The Corgia Railroad Bank & Trust Corrpany rogusta
Trust Company Bank of Augusta, National Association Augusta
American National Bank of Brusnwick Brunswick
Trust Company Bank of Southeast Ceorgia, National Association Brunswick

Fulton Fulton RichIrond Richmond Glynn Glynn

Mitchell, Thanas
DeKalb, GNinnett
MJrgan
Chatham, Clarke, Clayton, Cobb, DeKalb, Fbrsyth, Q.linnett, Spalding Cobb, DeRalb, GNinnett, Haralson Bartow, Bibb, Clayton, Cobb, DeKalb, Gwinnett, Hall, Maron, Houston, RichIrond, sumter Clayton, Cobb, DeKalb, GNinnett cayman Islands, Olerokee, DeRalb Colurrbia, Wilkes
lvk::Duffie
wayne
Ware, wayne

- 7-

BRANCH BANKS AS CF DOCEMBER 31, 1985 (CCNI'INUED)

NAME CF BANK

CHARTER COONTY

BRANCH COONTIES

Citizens Bank and Trust of west Corgia Carrollton
Cohutta Banking Corrpany Cha tS\oAJrth
Columbia Bank and Trust Company Colurrbus
The First National Bank of Columbus Colurrbus
The First National Bank of Dalton Dalton
Fidelity National Bank I:ecatur
Southeastern Bank Folkston
First South Bank Ebrt Valley
Coll1IlErcial Bank & Trust Company Griffin
Citizens Commmity Bank Hahira
The Coastal Bank Hinesville
Bank South, Macon Micon
Trust Company Bank of lvtiddle Geo:rgia, National Association Macon
Trust Company Bank of ~rtlMest Corgia, National Association
lbrne
Roswell Bank Roswell

Carroll Murray Muscogee Muscogee Mlitfield DeKalb Charlton Peach Spalding Iavndes Liberty Bibb Bibb
Floyd
Fulton

Haralson Walker
Chatrtahoochee ,
lv'.acon, Marion Chattamochee Gordon Fulton Brantley, Canrlen Johnson, Macon Fayette, Ienry Pike Brooks long
M:>nroe
Houston
Polk
DeKalb

n -0-

BRANCH BANKS AS CF DECEMBER 31, 1985 (CCNl'INUED)

NAME CF BANK

CHARTER COON'I'Y

BRANCH
COONTIES

The Citizens and soutbern National Bank
savannah

Bartow, Ben Hill, Bibb, Butts, Clarke, Clayton, Cobb, Colquitt, Coveta, Decatur , ~Kalb, Ibugherty, Douglas, Effingham, Fayette, Floyd, Fulton, Grinnett, Hart, ~nry, Houston, laurens,
Lowndes, Polk, Richrrond, Tlx:mas, Tift, Troup, \'bi.tfield, Upson

- 9-

BANK OFFICES/FACILITIES APPROVED Bur UNOPENED AS OF DEX:1BER 31, 1985

PARENT BANK

NAME OF BANK OFFICE OR FACILITY

First State Bank & Trust Company

Albany

Sooth Slappey Office

Albany

Security Bank and Trust Conpany of Albany

Albany

lbrthwest Office

Albany

Heritage Bank

Alpharetta

Five oaks Office Facilities Kroger Store U23 Kroger Store #242 Kroger Store #298 Kroger Store #318

Alpharetta
Atlanta Atlanta Atlanta Atlanta

First Georgia Bank

Atlanta

Lawrenceville Office EUwers Ferry/Wildwood
Office

Lawrenceville Ma.rietta

Georgia R:iilroad Bank & Trust Company

Augusta

Walton I S Comer Office Evans Office ColUIIbia !bad Office

Augusta Evans Martinez

Trust Cbnpany Bank of !bckdale

Conyers

lbney Creek Office

Conyers

Har~ick Bank & Trust Conpany

IBlton

Tunnel Hill Office

Dalton

The CoIiUlercial Bank

Ibuglasville

Fairburn !bad Facility

Ibuglasville

Soutl'eastern Bank

Folkston

Sooth Canrlen Office

Kingsland

CoIiUlercial Bank & Trust Conpany

Griffin

Stockbridge Office

Stockbridge

Citizens State Bank

Kingsland

Lakeside Office

St. Ma.rys

camercial Bank & Trust laGrange Company of Troup County

Kroger Office

laGrange

Trust Company Bank of GNinnett County

Lawrenceville Peachtree Industrial/ Norcross Berkeley Lake Office

The Peoples Bank of Lyons, Georgia

Lyons

Vidalia Office

Vidalia

- 10 -

BANK OFFICES/FACILITIES APPKJVED Bur UNOPENED (CCNrINUED)

PARENT BANK

ID:ATICN

NAME OF BANK OFFICE
OR F1\CILITY

IOCATION

central Bank of Corgia Micon

Facilities Kroger Store #244 Kroger Store #328 Kroger Store #355

Macon Macon Macon

Richland Banking
Cbrrpany

Richland

Richland Banking Corrpany Imnpkin Facility

~kin

Tara State Bank

Riverdale

Jonesl:x>ro Office

Jonesboro

'!be <orgia State Bank of R:me

RoIOO

ArnuclYae Office

RoIOO

Bank of 'Ihomson

'Ihomson

washington Road Office washington

'Ib:! Park Avenue Bank

Valdosta

Francis Lake Office

Lake Park

Brice Banking Company, Vidalia Inc.

Vidalia Plaza Office

Vidalia

- 11 -

STATE BANKS IN LIQUIDATION

NAME CF BANK

IOCATION

DATE CI.a3ED

The Hamilton Bank & Trust Co.

Atlanta

10-08-76

Thlpaid Claims due IDIC . Estimated Value of Iemaining
Thlliquidated Assets . . . .

D:EJ?a:)ITORY
NA $4,278,891 $ 755,282*

First Augusta Bank & Trust Co.

Augusta

05-20-77

NA

Thlpaid Claims due IDIC .

$4,483,563

Estimated Value of Iemaining

Unliquidated Assets . . . . . . . . . . . . . . . . . . . . . $ 514,086*

Peop.les Banking Co.

Poston

03-17-81

NA

tmpaid Claims due IDIC .

$1,121,374

Estimated Value of Ienaining

Thlliquidated Assets . $ 112,399*

'lbney Brothers Bank

Doerun

01-05-79

NA

Thlpaid Claims due IDIC . . Estimated Value of Ienaining
Thlliquidated Assets . . . . . $

NA 65,321*

* The value of remaining assets is only an estimation due to future economi.c
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.

- 12 -

BANKS AND BANK OFFICE AOOITIOOS AND DELRI'IOOS OORING 1985

STATE
CHARI'ERED BANKS

IN OPERATIOO JANUARY 1, 1985 .......... 329

BANKS CPEN'ED ~ YEAR

+8

First Colony Bank Alpharetta (1-18-85)
<orgia First Bank Gainesville (12-05-85)
Cc.Irrlercial Exchange Bank Kennesaw (7-29-85)
First Colurrbia Bank Martinez (7-01-85)
sentry Bank and Trust CbIrpany Ibswell (10-04-85)
Srrma Bank & Trust Co.
Snyrna (12-23-85)
International City Bank warner Ibbins (1-04-85)
Bank of <orgia W:ltkinsville (8-12-85)

BRANCHES BANK OFFICES
& FACILITIES
478

BANKS DE:r.EI'ED BY ~S

-19

The Citizens and 8aIthern Bank of Albany Albany (12-31-85)
The Citizens & Merchants Bank Bremen (12-06-85)
CoInrrErcial & Exchange Bank Bremen (7-31-85)
The Citizens and Southern Bank of Olblin Dubl.Ln (12-31-85)
First Citizens Bank Fbrsyth (7-22-85)
Fbrt Gaines Banking Cbmpany Fbrt Gaines (2-11-85)
The Bank of Griffin Griffin (4-19-85)
The Citizens and Southern Bank of rest Georgia laGrange (12-31-85)
Farmars & Merchants Bank leslie (4-30-85)
First Georgia Bank of Cobb County, Marietta (7-31-85)

- 13 -

BANKS AND BANK CFFICE ADDITIONS AND DELEl'IOOS (COOTINUED)
STATE CHARl'ERED
BANKS
BANKS DELEI'ED BY MERGERS (COOTINUED)
Georgia State Bank Martinez (12-30-85)
The Bank of Macon County z.bntezuma (6-30-85)
First United B:mk z.bntezuma (5-28-85)
The Citizens and Southern
Newnan Bank
Newnan (12-31-85)
Gwinnett Bank s Trust
Conpany Norcross (12-30-85) Fanners Bank of Pelham Pelham (4-01-85) The lOne Bank and Trust CbIrpany R:>me (8-01-85) The Citizens and Southern Bank of 'lbomaston Thomaston (12-31-85) Washington Loan and Banking
~ny
washington (8-30-85)
BANK CFFICES, BRANCHES, AND F7\CILITIES OPENED ~ 'YE~
First State Bank & Trost Company, Albany Fort Gaines Branch, Fort Gaines (2-11-85)
Heritage Bank, Alpharetta Facilities
Kroger Store #206 , Atlanta (4-01-85) Kroger Store #346, Atlanta (7-19-85) Kroger Store #247, Union R:>int (4-15-85) Alma Exchange Bank & Trust, Alma Piggly Wiggly SUpennarket Facility, Alma (12-03-85) sumter Bank and Trust Company, Americus leslie Office, leslie (4-30-85) First American Bank and Trust Corrpany, Athens College Station Kroger Facility, Athens (12-16-85) First Georgia Bank, Atlanta Piedrront/Peachtree Office, Atlanta (11-01-85) Brerren Branch, Bremen (7-31-85)
- 14 -

BRANCHES BANK OFFICES
& FACILITIES
+54

BANK AND BANK CFFICE ADDITICNS AND DELEI'ICNS (COOTINUED)
STATE
CHARl'ERED BANKS
BANK CFFICES, BRANCHES, AND FACILITIES OPENED (CCNTINUED). . . . . . . . .
Old National Office, College Park (3-08-85) IMnwocxly Office, D.mwocxly (6-24-85) M:irietta Branch, Marietta (7-31-85) Norcross Branch (12-30-85) Trust Q:>rrpa.ny Bank, Atlanta East Piedrront Center Office, Atlanta (2-20-85) Ravina Office, Atlanta (4-01-85) ~rth Fulton Hospital OFfice, Roswell (11-04-85) Georgia Railroad Bank & Trust Conpany rashington-vest Office, Martinez (12-30-85) washingtorrWilkes Division, washington (8-30-85) Citizens Bank, Ball Ground voodstock Office, voodstock (1-21-85) The Cbastal Bank of Corgia, Brunswick Piggly Wiggly Supennarket Facility, Brunswick (7-15-85) Citizens Bank and Trust of vest Georgia, Carrollton Brenen Branch, Bremen (12-06-85) The ~oples Bank, Colquitt IGA supermarket, Facility, Cblquitt (9-05-85) Piggly Wiggly &lpennarket Facility, Colquitt (9-05-85) Columbus Bank and Trust Conpany, Columbus N::>rth Iboly Branch (5-28-85) Forsyth County Bank, Curraning Ingles &lpennarket Bank Facility, OJrrming (11-06-85) Bank of Danielsville, Danielsville Dogsborough Office, Hull (7-08-85) Dawson County Bank, Dawsonville Corgia 400 Facility, Dawsonville, (3-28-85) The conmerci.al Bank, eouglasville Thornton R:>ad Office, Lithia Springs (5-02-85) Granite City Bank, Elberton Bowman Office, Bowman (8-15-85) Comrerxii.e.I Bank & Trust Conpany, Griffin Cormercial Bank l-brtgages Facility, Peachtree City (4-17-85) Piggly Wiggly supermarket; Facility, Griffin (2-18-85)

BRANCHES
BANK OFFICES & FACILITIES

- 15 -

BANK AND BANK CFFICES ADDITIONS AND DELETIONS (CCliITINUED)
STATE CHARl'ERED
BANKS
BANK CFFICES, BRANCHES, AND FACTI...ITIES OPENED (Ce:::tfrrnuED). . . . . . .
Bank. of Colurrbia County, Harlem Appling Office, Appling (8-28-85)
The Bank. of LaFayette, Georgia, LaFayette RJck Spring Facility, RJck Spring (10-10-85)
The Citizens and Seuthern Bank of west Georgia, LaGrange lees's Crossing Office, LaGrange (7-08-85)
Camercia1 Bank. & Trust CbIrpany of Troup County, LaGrange lee's Crossing Office, LaGrange (10-09-85)
Trust Corrpany Bank. of GYinnett County, Lawrenceville Gwinnett ~d.ical Center Office, Lawrenceville (9-30-85)
Bank of lenox, lenox Mel Facility, Mel (11-09-85)
Georgia State Bank, Mableton P~er Springs Office, Powder Springs (3-18-85)
Bank. South, Macon South lee Branch (7-22-85)
Central Bank. of Georgia, Macon Kroger Store Facility #338, Macon (6-03-85)
Georgia state Bank, Martinez Belair at Columbia lbad Facility, Martinez (2-25-85)
Bank. of Coweta, Newnan Senoia Office, senoia (10-19-85)
Gwinnett Bank. & Trust Conpany, ~rcross Ingles SUpennarket Facility, Lawrenceville (4-15-85)
Roswell Bank, Roswell Alpharetta lbad Office, Alpharetta (1-24-85) M:!dical Center Office, Roswell (4-18-85)
Bank. of l-brgan County, R..1tledge Piggly Wiggly SUpermarket Facility, Madison (9-17-85)
Farrrers and Merchants Bank. of senoia, senoia Downtown Facility, senoia (7-18-85)
West Georgia Bank of Tallapoosa, Georgia Tallapoosa ~rth Tallapoosa Office, Tallapoosa (4-29-85)

BRANCHES BANK OFFICES
& FACTI...ITIES

- 16 -

BANK AND BANK CFFICES ADDITICNS AND DELETICNS (CCNl'INUED)
STATE CHARl'ERED
BANKS
BANK CFFICES, BRANCHES, AND FACILITIES OPENED (CCNTINUED). .
First Chnnunity Bank, Tifton Piggly Wiggly SUpennarket Bank Office, Tifton (10-22-85)
The Park Avenue Bank, Valdosta Downtown Office, Valdosta (6-03-85)
International City Bank, w:Irner Ibbins International City Bank Kroger Facility, warner Ibbins (12-30-85)
Oconee State Bank, w:Itkinsville '!he Friendship Office, Athens (12-30-85)
soutbern Bank , Waycross Piggly Wiggly SUpennarket Facility, waycross (7-16-85)
Bank of Barrow, Winder Ingles SUpennarket Bank Facility, Winder (12-19-85)
BANK OFFICES, BRANCHES, AND FACILITIES DISCXNTINUED IXJRING YEAR. ......
First State Bank & Trust Conpany, Albany Broad street Office (12-31-85)
The Citizens and Southern Bank of Albany, Albany Albany Mcl.ll Office, Albany (12-31-85) East Albany Office, Albany (12-31-85 Northside Office, Albany (12-31-85) Slawey Drive Office, Albany (12-31-85) US Mcl.rine Corps SUpply center Bank Office, Albany (12-31-85) westgate Office, Albany (12-31-85)
Trust Corrp:lny Bank, Atlanta Ben Hill Office, Atlanta (9-20-85) Peachtree Industrial Office, Ibraville (9-27-85)
The Citizens and Southern Bank of Dublin, Dublin Dublin Mcl.ll Office (12-31-85) East Dublin Office, Dublin (12-31-85) Rentz Bank Office, JEntz (12-31-85
The Bank of Griffin, Griffin,
N:)rthside Office, Griffin (4-19-85)

BRANCHES BANK OFFICES & FACILITIES
-27

- 17 -

BANK AND BANK CFFICES ADDITICNS AND DELETICNS (CCNTINUED)
STATE CHARrERED
BANKS
BANK CFFICES, BRANCHES, AND FACILITIES DISCCNI'INUED (C~INlJED).
The Citizens and Southern Bank of west <orgia, laGrange Broad and Vernon Street Office, laGrange (12-31-85) Comrrerce Office, laGrange (12-31-85) Lee's Crossing Office, laGrange (12-31-85) west Point Office, west Po i.nt; (12-31-85)
The Bank of M3.con County, MJntezuma cqlethorpe Office, cqlethorpe (5-13-85)
The Citizens and Southern Newnan Bank, Newnan Bullsboro Office, Newnan (12-31-85) westside Plaza Office, Newnan (12-31-85)
Fanrers Bank of Pelham, Pelham Meigs Office, Meigs (4-01-85) Drive-In Facility, Pelham (4-01-85)
The R:me Bank and Trust O:>npany, lOne Lindale Office, Lindale (8-01-85) East IbITe Office, RJme (8-01-85) west Ibrne Office, Ibrne (8-01-85)
First South Bank of Canrlen County, St. Marys First City Office, St. Marys (6-01-85)
The Citizens and Southern Bank of 'Ihanaston, 'Ihornaston Northside Office, 'Ihornaston (12-31-85)

In Operation December 31, 1985

318

(Includes Reliance Trust Conpany, Atlanta)

BRANCHES BANK OFFICES & EACILITIES
505

- 18 -

LIST OF STATE AND NATIONAL BANKS

CITY
Abbeville
Adairsville Ade1
Ailey Alamo Alapaha Albany
Allentown Alma
.....
~ Alpharetta
Americus
Arlington Ashburn
Athens
Atlanta

COUNTY

NAME OF BANK

wilcox

Dorsey State Bank

Wilcox County State Bank

Bartow

*Bank of Adairsville

Cook

Ade1 Banking Company

Farmers and Merchants Bank

Montgomery Montgomery County Bank

Wheeler

Wheeler County State Bank

Berrien

Bank of Alapaha

Dougherty First State Bank & Trust Company

Security Bank and Trust Company of Albany

*Trust Company Bank of South Georgia,

National Association

Wilkinson The Four County Bank

Bacon

Alma Exchange Bank & Trust

*The First National Bank of Alma

Fulton

First Colony Bank

Heritage Bank

Sumter

Citizens Bank of Americus

Sumter Bank and Trust Company

Calhoun

Bostwick Banking Company

Turner

Ashburn Bank

The Citizens Bank of Ashburn

Clarke

First American Bank and Trust Company

*The First National Bank of Athens

Fulton

*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

***Re1iance Trust Company

-::NCNB National Bank of Georgia

*Trust Company Bank

CHARTER DATE
10-04-1972 4-22-1952 3-21-1899 2-27-1929
12-11-1947 2-24-1926 1-15-1945 3-04-1905 3-31-1961 4-17-1970
8-18-1941 7-28-1981 8-30-1985 7-30-1984 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 BUS INESS
10-04-1972 4-22-1952 3-24-1899 3-01-1929 1-15-1948 3-01-1926 1-17-1945 3-25-1905 3-31-1961 8-31-1970
9-15-1941 7-28-1981 8-30-1985 1-18-1985 3-04-1971 3-25-1937 10-28-1974 3-01-1936 7- -1900 10-25-1905 11-01-1949
8-17-1921 4-02-1934
9-04-1945 7-01-1981
11-08-1891

NO. TOTAL OFF. ASSETS*-::

o

1,441

1

10,754

1

15,732

1

23,905

o

16,233

1

19,429

1

11,116

2

23,100

6

235,691

3

92,033

140,746

o

14,600

2

27,563

30,407

o

15,729

25

178,653

2

48,302

2

56,090

o

12,042

1

46,265

o

21,512

3

93,956

233,274

2,396,414

2

96,537

37

852,692

7,423,569

1,504,425

o

56,399

1,860

100,861

58 5,981,699

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

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

Augusta
Bainbridge Ball Ground Barnesville
Barwick Baxley
Blackshear
Blairsville
N Blakely o I Blue Ridge
Bowdon Braselton Brooklet Broxton Brunswick
Buchanan Buford But ler Byron Cadwe 11 Cairo

Richmond
Decatur Cherokee Lamar
Brooks Appling
Pierce
Union
Early
Fannin Carroll Jackson Bulloch Coffee Glynn
Hara Ison Gwinnett Taylor Peach Laurens Grady

*Trust Company Bank of Augusta, National Association
*Georgia Railroad Bank & Trust Company The First Port City Bank Citizens Bank
*The First National Bank of Barnesville United Bank Barwick Banking Company Baxley State Bank Peoples State Bank & Trust
*The Blackshear Bank Peoples Bank
*First National Bank of Union County Union County Bank Bank of Early First State Bank of Blakely Fannin County Bank Trust Company Bank of Carroll County Braselton Banking Company Farmers & Merchants Bank Broxton State Bank
*American National Bank of Brunswick The Coastal Bank of Georgia
*Trust Company Bank of Southeast Georgia, National Association
*The First National Bank of Haralson County The Peoples Bank of Buford The Citizens State Bank Middle Georgia Bank Farmers State Bank Cairo Banking Company Citizens Bank
*First National Bank of Grady County

11-15-1892 4-03-1974 9-28-1926
4-14-1971 2-16-1967 8-23-1917 5-04-1966 7-07-1892 8-01-1946 1-04-1982 2-18-1949 4-03-1941 5-06-1937 5-29-1916 9-22-1926 12-13-1948 2-04-1948 8-04-1966
7-22-1981
12-20-1983 9-04-1926
10-30-1962 8-23-1972
11-23-1903 12-03-1903

*Member of Federal Reserve System **Amounts are in thousands

BEGIN BUS INESS
12-31-1892 10-07-1974 10-01-1926
6-01-1972 6-01-1967 8-25-1971 7-01-1966 7-07-1892 8-05-1946 1-04-1982 3-01-1950 4-28-1941 5-15-1937 6-06-1916 9-22-1926 12-18-1948 2-17-1948 9-01-1966
10-30-1981
12-13-1984 9-04-1926 2-04-1963 8-23-1972
11-23-1903 1-01-1904

NO. OFF.
21
o
2
1
o o o o o
1
o
1 1 2
o
1
o
4
o o
1 1 1
o

TOTAL ASSETS**
263,930
753,581 40,660 40,793 41,353 30,676 3,940 51,845 17,937 16,272 25,557 14,939 63,854 30,989 33,965 50,159 49,578 4,672 24,991 15,868
165,409 58,304
249,567
36,282 20,451 27,025 34,984 11,815 41,620 12,151 29,708

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

Calhoun Camilla
Canton
Carnesville Carrollton
Cartersville
Cave Spring Cedartown Chatsworth ~Chester I Chickamauga Clarkesville Clarkston Claxton
Clayton
Cleveland
Cobbtown Cochran
Colquitt Columbus

Gordon Mitchell
Cherokee
Franklin Carroll
Bartow
Floyd Polk Murray
Dodge Walker Habersham DeKalb Evans
Rabun
White
Tattnall Bleckley
Miller Muscogee

*The Calhoun First National Bank Bank of Camilla Planters & Citizens Bank Bank of Canton Etowah Bank First Bank and Trust The Carrollton State Bank Citizens Bank and Trust of West Georgia The Peoples Bank
*West Georgia National Bank of Carrollton Bartow County Bank Peoples Bank of Bartow County Bank of Cave Spring
*The First National Bank of Polk County Cohutta Banking Company
*The First National Bank of Chatsworth Bank of Dodge County Bank of Chickamauga Habersham Bank Citizens DeKalb Bank The Claxton Bank Tippins Bank & Trust Company Bank of Clayton Rabun County Bank The Peoples Bank White County Bank The Brown Bank Cook Banking Company State Bank of Cochran The Peoples Bank Columbus Bank and Trust Company *The First National Bank of Columbus *Trust Company Bank of Columbus, National Association

11-04-1889 9-20-1904
11-17-1892 1-22-1927 7-18-1960 4-21-1972
11-25-1946 11-10-1909
6-07-1973 4-23-1984 12-15-1966
7-17-1905
6-14-1966 2-16-1910 5-13-1904 4-10-1969 2-24-1941 8-30-1940 10-18-1984 5-01-1974 12-11-1945 12-02-1975 6-24-1970 4-24-1942 12-22-1921 3-16-1973 12-14-1888

*Member of Federal Reserve System **Amounts are in thousands

BEGIN BUS INESS
1-02-1890 5-24-1913 12-18-1892 1-29-1927 8-01-1960 8-01-1972 7-01-1947 12-01-1909
3-28-1974 12-02-1985
6-15-1967
1-24-1906
9-26-1966 5-10-1910 5- -1904 3-06-1970 2-24-1941 9-03-1940 10-18-1984 10-10-1975 7-01-1946 10-29-1976 6-24-1970 7-01-1942 1-05-1922 10-19-1973 4-01-1889

NO. OFF.
o o
2 3 1 1 5 2
3 3
o
4
1 1 2 5 2 1 1 1 1 2
o o o
2
16

TOTAL ASSETS**
111,100 34,079 45,497 99,302
102,459 35,101 22,858 46,640 90,599 72,778 31,159 32,291 7,632 56,313 66,261 29,163 8,118 25,682 91,218 41,562 32,858 20,026 73,650 22,521 97,288 48,355 4,712 20,433 27,923 26,093
611,892 379,815 182,875

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

Comer Commerce Conyers Coolidge Cordele
Cornelia I Covington
N
N Crawford I Crawfordvi 11e
Cumming Cuthbert Dahlonega Dallas Dalton
Danielsville Darien Dawson Dawsonville

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 ~n

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 Citizens 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

Whitfield The Bank of Dalton

*The First National Bank of Dalton

Hardwick Bank & Trust Company

Madison

Bank of Danielsville

McIntosh The Darien Bank

Terrell

Bank of Dawson

Bank of Terrell

Dawson

Dawson County Bank

10-03-1935
11-17-1981 11-17-1969 10-15-1891 12-18-1911
5-31-1927 12-31-1984
7-03-1900 9-14-1979 4-10-1901
9-02-1924 12-08-1947
6-15-1964 12-20-1983
2-07-1938 12-31-1958
5-27-1914 5-06-1981 7-23-1962
10-30-1979
2-17-1922 12-11-1904 12-08-1888
6-29-1911 3-23-1936 7-01-1953

*Member of Federal Reserve System **Amounts are in thousands

BEGIN BUS INESS
10-10-1935
5-28-1982 6-24-1970 6- -1901 11-20-1911
6-15-1927 12-31-1984
8-04-1900 9-15-1979 4-10-1901
9-05-1924 1-02-1948 9-26-1964 7-23-1984 3-01-1938 1-02-1959 5-27-1914 12-14-1982 3-15-1963
10-12-1912
2-20-1922 1-15-1908 1-24-1889 7-01-1911 5-01-1936 7-13-1953

NO. OFF.
2
o
2 2 1
1 1
4
o
1
o o
2
o o
1 1
o
3
2
3 1 1
o
1 1

TOTAL ASSETS**
19,205
49,513 23,454 51,508 115,307 10,619
44,131 45,420
78,322 70,513 112,075 50,889 18,423 17,762 88,800 25,838 24,990 22,119 72,582 14,510 40,831 73,023 62,985 253,031 140,795 14,257 27,071 40,522 45,071 24,840

CITY
Deca tur Dexter Donalsonville
Douglas
Douglasville
Dublin
Dudley I Duluth rwo Ea s t man
Eatonton
Edison Elberton
Ellavi lle Ellijay
Fairburn Fayetteville
Fitzgerald
Folkston

COUNTY
DeKalb Laurens Seminole
Coffee
Douglas
Laurens
Laurens Gwinnett Dodge
Putnam
Calhoun Elbert
Schley Gilmer
Fulton Faye t te
Ben Hill
Charlton

LIST OF STATE AND NATIONAL BANKS

NAME OF BANK

CHARTER DATE

*Fide1ity National Bank The Knight State Bank Commercial State Bank Merchants and Farmers Bank Coffee County Bank The Exchange Bank Trust Company Bank of Coffee County The Commercial Bank Douglas County Bank Trust Company Bank of Douglas County Farmers and Merchants Bank The Morris State Bank Bank of Dudley Citizens Bank of Gwinnett Bank of Eastman
Citizens Bank & Trust Company Farmers & Merchants Bank
The Peoples Bank The Bank of Edison *The First National Bank in Elberton Granite City Bank Bank of Ellaville The Bank of Ellijay First State Bank of Gilmer County Fairburn Banking Company Farmers and Merchants Bank First Bank & Trust Company The Bank of Fitzgerald Bank South, Fitzgerald Southeastern Bank *First National Bank of Folkston

1-30-1967 10-21-1938
9-24-1925 6-19-1931 5-11-1971 5-22-1945 4-24-1942 5-18-1973 8-11-1959 5-26-1910 7-31-1958 10-02-1905 1-31-1984 12-18-1918 3-12-1949 10-30-1922 3-16-1944 9-24-1904
8-31-1984 9-10-1910 5-21-1914 11-05-1973 7-16-1984 2-16-1906 2-09-1984 11-10-1975 5-24-1948 9-30-1981

BEGIN BUS INESS
2-01-1967 12-16-1938
9-24-1925 7-01-1931 5-11-1971 7-05-1945 5-01-1942 6-24-1974 5-09-1960 7-06-1910 10-02-1958 11- -1905 4-16-1984 1-02-1919 4-01-1949 11-15-1922 5-01-1944
1904
8-31-1984 9-16-1910 6-01-1914 8-29-1974 7-16-1984 3-13-1906 11-12-1984 4-15-1976 7-19-1948 9-30-1981

NO. OFF.
o
1 1
o
1 2 3 1 3 3 1
o o o
2
o o o
3
o
1
o
1 2
o
1 1 3

TOTAL ASSETS**
119,372 10,259 30,266 21,890 36,071 32,494 88,974 91,050 14,755 80,299 97,389 53,144 22,405 24,195 40,724 41,377 39,175 29,294 21,992 81,494 70,451 17,063 56,707 25,082 42,455 70,522 16,156 45,724 39,067 52,911 16,633

*Member of Federal Reserve System **Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

Forysth

Monroe

The Farmers Bank

Monroe County Bank

Fort Oglethorpe Catoosa

Fort Oglethorpe State Bank

Fort Valley

Peach

First South Bank

The Citizens Bank

Franklin

Heard

The Bank of Heard County

Gainesvi lle

Hall

The Citizens Bank

*The First National Bank of Gainesville

Georgia First Bank

Gibson

Glascock Bank of Gibson

Glennville

Tattnall First Citizens Bank

The Glennville Bank and Trust Company

Gordon

Wilkinson The Gordon Bank

I Gray

Jones

Bank of Gray

~ Greensboro

Greene

Bank of Greensboro

Citizens Union Bank

Greenvi l l e

Meriwether The Greenville Banking Company

Griffin

Spalding Commercial Bank & Trust Company

*First National Bank of Griffin

Haddock

Jones

Jones County Bank

Hahira

Lowndes

Citizens Community Bank

Commercial Banking Company

Harlem

Columbia Bank of Columbia County

Hartwe 11

Hart

Bank of Hartwell

Hawkinsvi lle Pu 1aski

Planters Bank

The Pulaski Banking Company

Hazlehurst

Jeff Davis Bank of Hazlehurst

Jeff Davis Bank

Hiawassee

Towns

Bank of Hiawassee

Hinesville

Liberty

The Coastal Bank

The Hipesvi11e Bank

3-09-1910 1l-02-1908 12-04-1963 10-11-1924 12-14-1906 10-14-1905
5-19-1913
4-24-1984 11-07-1905 12-31-1942
1-12-1905 6-08-1946 8-23-1909 10-13-1926 3-09-1946 10-24-1887 10-11-1889
7-14-1905 2-12-1927 1-29-1945 11-29-1909 5-15-1961 2-27-1896 7-20-1949 10-19-1906 7-12-1962 6-14-1909 7-09-1970 9-04-1911

BEGIN BUSINESS
1910 10-15-1908
8-07-1964 10-15-1924
1-01-1907 10-18-1905
6- -1913
3-25-1985 11-27-1905
1-04-1943 1-18-1905 8-01-1946 8-28-1909 10-14-1926 4-01-1946
-1891 10-09-1890
7-25-1905 2-21-1927 4-05-1945 12-13-1909 11-09-1961 3- -1896 8-27-1949 10- -1906 12-01-1962 7-21-1909 7-09-1970 11-15-1911

NO. TOTAL OFF. ASSETS>':*

o

22,527

o

33,570

2

31,249

2

50,835

1

36,574

o

16,691

4

84,418

372,686

o

4,918

o

3,449

1

28,433

1

32,644

o

14,848

o

25,616

o

36,828

1

41,387

o

13,546

10

202,494

68,916

o

2,732

1

21,545

o

10,768

1

22,682

1

29,602

1

38,984

o

32,432

o

22,018

o

20,068

1

45,316

1

41,287

2

57,257

*Member of Federal Reserve System **Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

Hogansvi lle Homer Homerville Irwinton Jackson Jasper
Jefferson
Jeffersonville Jonesboro Kennesaw Kingsland
~LaFayette
I LaGrange
Lakeland Lavonia Lawrenceville
Leary Leesburg
Lenox Lexington Lincolnton Lithonia Loganville

Troup

The Citizens Bank

Banks

Bank of Banks County

Clinch

Empire Banking Company

Wilkinson Wilkinson County Bank

Butts

McIntosh State Bank

Pickens

Jasper Banking Company

Pickens County Bank

Jackson *The First National Bank of Jackson

County

Twiggs

Peoples State Bank

Clayton

Trust Company Bank of Clayton County

Cobb

Commercial Exchange Bank

Camden

Citizens State Bank

State Bank of Kingsland

Walker

The Bank of LaFayette, Georgia

Troup

The Bank of Troup County

Commercial 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

Trust Company Bank of Gwinnett County

Calhoun

Jordan Banking Company

Lee

First State Bank & Trust Company

in Leesburg

Cook

Bank of Lenox

Oglethorpe Citizens Banking Company

Lincoln

Farmers State Bank

DeKalb

The Peoples Bank

Walton

Bank of Loganville

11-30-1961 6-25-1974 3-01-1945 7-16-1907 2-14-1964 1-17-1945 8-25-1976
12-10-1969 10-06-1903
1-10-1985 7-28-1981 11-26-1912 11-13-1889 6-06-1984 7-08-1941
3-30-1984 4-08-1907 9-20-1940 6-02-1905 1-11-1971 12-30-1965 4-09-1947
6-20-1907 2-07-1949 9-26-1911 8-26-1910 5-06-1946

BEGIN BUS INESS
12-11-1961 12-28-1974 6-01-1945
7-16-1907 9-18-1964 3-12-1945 6-18-1977
12-10-1969 11-17-1903 7-29-1985 7-28-1981 12- -1912
1889 12-15-1984
9-15-1941
3-30-1984 1907
9-23-1940 7-17-1905 9-16-1971 1-03-1966 12-01-1947
6-25-1907 3-10-1949 12-02-1911
1910 10-05-1946

NO. OFF.
0 0 0 0 0 0 0
0 5 0 0 0 2 0 2
2 0 2 2 7 0 1
0 0 0 1 0

TOTAL ASSETS**
17,192 21,054 26,676 15,018 31,818 52,703 24,691 28,714
7,071 87,018
6,346 9,903 12,132 68,648 16,326 60,303
49,208 27,797 40,228 98,100 101,570
5,378 12,233
8,870 14,244 27,586 38,417 15,337

*Member of Federal Reserve System **Amounts are in thousands

CITY
Louisville Lumber City Lumpkin Lyons Mableton Macon
Madison Manchester
Mansfield I Marietta
N 0'\
I Martinez McDonough
McRae
Meigs Metter
Midville Milan Milledgevi lle

LIST OF STATE AND NATIONAL BANKS

COUNTY

NAME OF BANK

CHARTER DATE

Jefferson *The First National Bank of Louisville

Telfair

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 & M Bank and Trust Company

Newton

Alcovy Banking Company

Cobb

The Chattahoochee Bank

*The First National Bank of Cobb County

Columbia First Columbia 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

Milledgeville

Exchange Bank

The Merchants and Farmers Bank of

Milledgeville

5-22-1945 10-21-1911 5-04-1935
9-15-1981 6-09-1960 10-12-1982
12-26-1888 1-28-1910
10-07-1947 12-19-1945
9-09-1983
7-01-1985 3-21-1984
3-28-1929 8-23-1972 5-08-1903 7-25-1930 12-27-1961 4-13-1945 12-05-1906 2-28-1874
5-20-1903 3-22-1898

BEGIN BUS INESS
7-02-1945 12- -1911
6-01-1935 3-03-1982 7-01-1960 2-01-1983
1-01-1890 2-02-1910 2-21-1948 3-01-1946 11-15-1983
7-01-1985 8-04-1984
3-28-1929 8-23-1972 6- -1903 8-26-1935 10-15-1962 5-21-1945 10- -1906 10-13-1884
6-01-1903 3- -1898

NO. OFF.
o
1 1 8 7 4
o o
1 1
o
o
1
o o o o o o o
1
2 1

TOTAL ASSETS**
41,946 7,263 9,882
25,861 152,823 208,819
61,643 378,966
24,994 39,209 11,678
8,010 72, 744 457,333 17,084 12,496 78,360
20,034 19,360
5,289 41,267 15,234
5,933 10,079 105,368
61,945 46,766

*Member of Federal Reserve System **Amounts are in thousands

CITY
Mil l en
Molena Monroe
Monticello
Moultrie
Mount Vernon Nashville
I Newington N Newnan
'-J
Newton Nicholls Norcross Ocilla
Omega Palmetto Patterson Pavo Pearson Pelham Pembroke Perry

LIST OF STATE AND NATIONAL BANKS

COUNTY

NAME OF BANK

CHARTER DATE

Jenkins

Bank of MiLl.e n

Ogeechee Valley Bank

Pike

Bank of Molena

Walton

First American Bank of Walton

*The National Bank of Walton County

Jasper

Bank of Monticello

Bank South, Jasper County, National

Association

Colquitt American Banking Company

*Moultrie National Bank

Montgomery Mount Vernon Bank

Berrien

The Citizens Bank

The United Banking Company

Screven

Bank of Newington

Coweta

Bank of Coweta

*First National Bank ~n Newnan

Baker

Baker County Bank

Coffee

Nicholls State Bank

Gwinnett *First Security National Bank

Irwin

The Bank of Ocilla, Georgia

The First State Bank of Ocilla

Tift

South Georgia Banking Company

Fulton

First Fulton Bank and Trust

Pierce

The Patterson Bank

Thomas

Pavo State Bank

Atkinson The Citizens Exchange Bank

Mitchell Pelham Banking Company

Bryan

The Pembroke State Bank

Houston

The Bank of Perry

*Bank South, Houston County National

Association

1-04-1893 9-01-1972 10-07-1901 1-01-1906
2-08-1964
8-13-1971
12-21-1900 2-19-1943 7-10-1924 7-07-1919 2-11-1972
10-04-1906 12-02-1952
9-20-1956 5-11-1943 4-15-1970 6-29-1918 6-19-1907 6-24-1971 1-19-1943 12-04-1936 12-29-1937 8-20-1889

BEGIN BUS INESS
3-01-1893 1-07-1974 3- -1899 1-01-1906
2-10-1964
10-01-1971
1-24-1901 3- -1943 7-15-1924 8-14-1919 10-06-1972
10-15-1906 1-02-1953
10-01-1956 6-01-1943 4-15-1970 7-10-1918 6-19-1907 6-24-1971 5-12-1945 12-08-1936 2-11-1938 1889

NO. OFF.
0 0 0 2
0
1
0 1 1 0 3
0 0
0 1 1 2 0 0 0 0 1 1

TOTAL ASSETS**
28,556 12,494
7,676 66,677 81,709 20,286 24,612
47,685 97,969 24,136 25,999 17,902
5,580 60,417 79,900 10,663 15,009
9,914 29,175 29,496 35,905 30,032
8,958 6,177 11,441 28,245 30,776 44,942 46,834

*Member of Federal Reserve System **Amounts are in thousands

CITY
Pine Mountain Pineview pitts Preston Quitman
Reidsville Reynolds Rhine Richland Ringgold Riverdale Roberta I Rochelle cNo Rome
Rossville Roswell
Royston Ru t ledge St. Marys
Sandersville
Sardis Savannah

LIST OF STATE AND NATIONAL BANKS

COUNTY

NAME OF BANK

CHARTER DATE

Harris

Farmers and Merchants Bank

Wilcox

Pineview State Bank

wilcox

Pitts Banking Company

Webster

Bank of Webster

Brooks

Bank of Quitman

*The Citizens National Bank of Quitman

Tat tnall The Tattnall Bank

Taylor

The Citizens State Bank

Dodge

Williams Banking Company

Stewart

Richland Banking Company

Catoosa

Northwest Georgia Bank

Clayton

Tara State Bank

Crawford United Bank of Crawford

Wilcox

Rochelle State Bank

Floyd

The Georgia State Bank of Rome

*The National City Bank of Rome

*Trust Company Bank of Northwest

Georgia, National Association

Walker

Rossville Bank

Fulton

Roswell Bank

Sentry Bank and Trust Company

Franklin Tri-County Bank of Royston

Horgan

Bank of Morgan County

Camden

*First National Bank of Camden County

First South Bank of Camden County

Washington Citizens Bank of Washington County

The Geo. D. Warthen Bank

Burke

Bank of Sardis

Chatham *AmeriBank, National Association

The Carver State Bank

*The Citizens and Southern National Bank

First Bank of Savannah

3-22-1909 9-20-1910 6-02-1906 6-29-1970 12-26-1888
9-14-1900 9-08-1922 8-04-1947 10-13-1927 4-08-1983 2-07-1983 1-07-1901 7-08-1947 4-02-1976
7-01-1963 3-01-1901 2-10-1984 8-09-1941 9-24-1898 9-13-1985 5-07-1973 1-06-1965 3-18-1957 4-27-1945
4-29-1947
7-29-1909

BEGIN BUS INESS
4-19-1909 9-20-1910 6- -1906 6-29-1970 12-31-1888
10-22-1900 9-08-1922
10-01-1947 10-15-1927
2-08-1984 3-17-1984 1-08-1901 8-01-1947 1-05-1978
12-13-1963 3- -1901 4-24-1985 9-01-1941
10-01-1898 9-13-1985 5-07-1973 5-03-1965 3-18-1957 7-02-1945 4-30-1985 6-04-1947
8-04-1909

NO. TOTAL OFF. ASSETS**

2

35,546

o

7,312

o

6,456

o

4,313

2

23,234

20,564

1

25,909

o

15,229

o

10,650

o

10,614

4

63,037

o

37,469

o

17,410

o

6,210

1

36,769

175,396

174,120

2

53,465

6

122,317

o

25,340

1

45,995

1

16,301

o

19,792

o

10,232

1

27,456

1

46,255

o

8,985

o

29,294

1

18,494

9,325,244

6

119,672

*Member of Federal Reserve System **Amounts are in thousands

CITY
Senoia Smyrna Social Circle Soperton Sparta Stapleton I Statesboro
N 1.0
I Stockbridge Summerville Swainsboro
Sylvania
Sylvester Talbotton Tallapoosa
Tennille Thomaston

LIST OF STATE AND NATIONAL BANKS

COUNTY

NAME OF BANK

CHARTER DATE

*Savannah Bank and Trust Company of

Savannah

Southern Bank and Trust Company

*Trust Company of Georgia Bank of

Savannah, N.A.

Coweta

Farmers and Merchants Bank of Senoia

Cobb

*Smyrna Bank & Trust Co.

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

Walton

Georgia Central Bank

Treutlen The Bank of Soperton

Hancock

Bank of Hancock County

United Security 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

Washington Bank South, Washington County

Upson

Bank of Upson

West Central Georgia Bank

3-04-1869
10-10-1974
3-02-1874 2-28-1985
12-31-1923 7-16-1906
10-18-1904 5-10-1976 3-20-1916 1-19-1934 3-11-1901 9-21-1964 2-05-1926
10-27-1920 11-10-1900
8-27-1964 4-10-1911 2-18-1946 4-28-1945 7-05-1898 12-09-1890 12-09-1971 12-06-1948
4-04-1900 6-23-1951 12-13-1973

BEGIN BUSINESS
7-01-1869
5-28-1975
1889 12-23-1985
3-08-1924 1903
9-05-1904 5-10-1976
1916 4-14-1934
1901 10-08-1964
2-06-1926 11-09-1920
1900 3-01-1965 5-01-1911 3-01-1946 11-01-1945 7- -1898 1-13-1891 12-09-1971 6-06-1949
4- -1900 10-01-1951
4-15-1974

NO. OFF.
12
1
2
o
1
o o o o
3 2 2 3
1 1
o o
1 2 1
o
3
1
1 1 1

TOTAL ASSETS**
520,684
21,141 263,715
14,834 4,756
218,540 24,141 23,521 28,794 5,675 10,167
105,676 91,788 60,017 66,429 29,828 39,374 36,301 42,242 38,223 30,837 36,927 13, 762 15,858 17,640
30,346 60,168 29,482

*Member of Federal Reserve System **Amounts are in thousands

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

Thomasville Thomson Tifton
Toccoa
Trenton Trion Twin City Unadilla Union Point Uvalda Valdosta
(.oJ
o
Vidalia
Vienna
Villa Rica Wadley Warm Springs Warner Robins Warrenton Washington Watkinsville
Waycross
Waynesboro

Thomas

Connnercial Bank

McDuffie Bank of Thomson

Tift

The Citizens Bank of Tifton

First Connnunity Bank of Tifton

Stephens The Bank of Toccoa

The Citizens Bank

Dade

Bank of Dade

Chattooga *First National Bank of Chattooga County

Emanuel

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

Carroll

Bank of Villa Rica

Jefferson Bank of Wadley

Meriwether First American Bank

Houston

International City Bank

Warren

Citizens Bank

Wilkes

Farmers and Merchants Bank

Oconee

Bank of Georgia

Oconee State Bank

Ware

Connnercial Bank

Southern Bank

Burke

*Bank of Waynesboro

*The First National Bank of Waynesboro

7-03-1916 1-21-1985 2-24-1948 12-21-1936 8-10-1911 5-25-1950 7-05-1955
6-26-1935 4-19-1935 9-06-1911 5-02-1966
1-22-1906
6-28-1971 9-07-1965 6-22-1934
11-10-1975 6-24-1931 5-04-1899 1-29-1902 10-11-1905
11-16-1983 4-14-1902 8-10-1949
10-19-1984 6-05-1959
10-15-1918 5-22-1956
12-16-1890

*Member of Federal Reserve System **Amounts are in thousands

BEGIN BUS INESS
7-22-1916 1-21-1985 4-15-1948 2-24-1937 9-01-1911 3-16-1951 1-12-1956
7-05-1935 4-22-1935 9-06-1911 5-16-1966
3- -1906
6-28-1971 10-14-1965
7-01-1934
7-30-1976 7-01-1931 5- -1899 1- -1902 8-03-1906 1-04-1985 4- -1902 3-14-1950 8-12-1985 2-01-1960 10-30-1918 6-11-1956
1891

NO. OFF.
2 2 1 2 2 2
o
o
2 1 1
2
1
o o
o o
1
o
1 1
o
2
o
2 2 3 1

TOTAL ASSETS**
118,907 84,817 57,008 61,889 56,173 56,675 23,657 21 ,463 21,070 27,795 41,066 26,417
118,443 75,667
35,793 24,526 31,648 47,985 20,689 16,881 31,617 16,113 12,937 13,373 20,069 54,151 5,288 45,247 43,619 90,649 43,390 27,056

CITY
West Point Willacoochee Winder
Woodbury Woodland Wrens Wrightsville Zebulon

LIST OF STATE AND NATIONAL BANKS

COUNTY

NAME OF BANK

CHARTER DATE

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

Jefferson First State Bank

Johnson

Bank of Wrightsville

Pike

United Bank of Pike

1-04-1952 3-12-1951 10-29-1926 9-29-1902 11-18-1907 2-25-1964 2-16-1897 3-18-1905

BEGIN BUS INESS
1-15-1952 3-17-1951 10-30-1926 9-29-1902 11-25-1907 7-06-1964 2-16-1897 1-31-1905

NO. OFF.
0 3 2 0 0 0 0 1

TOTAL ASSETS*>'<
71,028 8,308
86,028 43,613 14,992 11,375 24,650 24,395 32,061

.w....

*Member of Federal Reserve System **Amounts are in thousands

DEPAR'IMENI' OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF COODITIOOS OF STATE AND NATIOOAL BANKS IN GEORGIA AS OF DOCEMBER 31, 1985
WITH CDMPARATIVE STATEMENT AS OF DOCEMBER 31, 1984 (Amounts in Thousands)

ASSEl'S cash and Due fran Depository Institutions Securities Federal FUnds Sold and Securities Purchased
under Agreerrent to lEsell Gross Loans and lease Finance lEceivab1es
lEserve for Loan and lease Losses Unearned Incone Net loans and lease Financing lEceivab1es Bank Premises, F\1rniture and Fixtures other leal Estate CMned Intangible Assets All Other Assets TOl'AL ASSETS

December 31, 1985 December 31,1984

371 Banks

383 Banks

$ 6,300,306 $ 6,063,666

8,308,370

7,013,701

3,432,895

1,904,312

27,554,458 (347,102) (436,457)
26,770,899 842,606 60,533 76,846
1,336,564 $ 47,129,019

23,309,812 (291,460) (581,004)
22,437,348 772,244 53,428 65,882
1,652,271
$ 39,962,852

LIABILITIES Demand Deposits of IPC - Ibmestic 'I'ilre and Savings Depoai,ts of !PC - D:mestic Deposits in Fbreign Offices Ieposits of u.S. Government Deposits of SCM CErtified and Officers' etecks All other Deposits TCJl'AL DEPa3ITS

8,337,911 22,826,930
946,305 298,003 2,146,097 194,386
535,453
$ 35,285,085

$ 8,147,786 19,095,550
986,158 217,596 1,896,219 174,684
~~9=-;04,839
$ 31,422,832

Federal FUnds Purchased and Securities Sold under Agreenent to Repurchase
Other Liabilities for BorrcMed M:mey M:>rtgage Indebtedness All other Liabilities 'Kfl'AL LIABILITIES

6,513,701

3,757,214

272,546 46,454
1,719,130 $-43,836,916

287,861 42,816
-,---=-=:-1!.-:5, 89 , 743 $ 37,100,466

SUbordinated NJtes and Debentures

265,824

259,376

EOOITY CAPITAL Preferred Stock
D:mron Stock
SUrplus Undivided Profits and Capital lEserves TOl'AL EQJITY CAPITAL

766

1,021

405,105

409,747

1,150,128

956,099

1,470,280

1,236,143

3,026,279 $ 2,603,010

'Kfl'AL LIABILITIES, SUOORDINATED NarES AND DEBEN'lURES . AND EQJITY CAPITAL

$ 47,129,019 $ 39,962,852

- 32 -

ABSTRACl' OF REPORI'S OF CONDITIOO (BY SIZE) OF
STATE AND NATIOOAL BANKS IN GEORGIA
AS OF DECEMBER 31, 1985
(lmounts in 'Ihousands)

Ntm1ber of Banks Size of Banks

33
Less than
$10 Million

108 $ 10 Million
to
$ 25 Million

ASSETS Cash and Due fran Depository Institutions Securities Federal Funds Sold and Securities Purchased
under Agreerrent to Resell Gross Loans and Lease Finance Receivables
Reserve for Loan and Lease Losses Unearned Inccme Net loans and Lease Financing leceivables Bank Premises, Furniture and Fixtures other leal Estate Owned Intangible Assets All other Assets TCYl'AL ASSETS

$ 25,087 $ 168,255

42,386

519,481

30,808

153,953

106,349 1,043,973

(1,359)

(11 ,813)

(4,767)

(48,320)

100,223

983,840

7,612

39,614

1,316 32

5,880
o

3,703

39,114

$ 211,167 $ 1,910,137

LIABILITIES Demand Deposits of IPC - Lbmestic T:i.Ire and savings Deposits of !PC - Darestic Deposits in Fbreign Offices Deposits of U. S. Goverrnrent Deposits of SCM Certified and Officers' Checks All Other Deposits TCYl'AL DEPOSITS

31,883

272,413

131,286
o

1,249,964
o

296

6,009

14,083

140,779

1,901

11,606

638

7,619

$ 180,087 $ 1,688,390

Federal Funds Purchased and Securities Sold under Agreerrent to lepurchase
Other Liabilities for Borrowed M::mey t-brtgage Indebtedness All Other Liabilities TCYl'AL LIABILITIES

50

1,863

61

1,491

176

2,627

2,424

6,223

$ 182,798 $ 1,720,594

Subordinated Notes and Debentures

140

960

EQUITY CAPITAL Preferred Stock Ccmoon Stock SUrplus Undivided Profits and Capital leserves TCYl'AL EXJUITY CAPITAL
TCYl'AL LIABILITIES, SUBOODINATED IDI'ES AND DEBEN'lURES, AND EXJUITY CAPITAL
- 33 -

o

250

7,821

32,908

15,131

80,589

5,277

74,836

$ 28,229 $ 188,583

$ 211,167 $ 1,910,137

ABSTRACT CF REPORTS CF COODITIOO (BY SIZE) OF
STATE AND NATIOOAL BANKS IN GECRGIA AS OF DOCEMBER 31, 1985 (lmounts in 'Ihousands)

Number of Banks
Size of Banks
ASSETS Cash and Due from Depository Institutions Securities Federal FUnds Sold and Securities Purchased
under Agreerrent to Resell Gross loans and lease Finance Receivables
Reserve for Loan and lease losses Unearned Incorre Net Loans and lease Financing Receivables Bank Premises, Furniture and Fixtures other leal Estate Owned Intangible Assets Allot.h:!rAssets TOI'AL ASSETS
LIABILITIES Demand Deposits of IPC - Domest.Lc Time and Savings Deposits of IPC - Domestic Deposits in Fbreign Offices Deposits of U.S. Government Deposits of SCM Certified and Officers' O1ecks All other Deposits TCYI'AL DEPffiITS
Federal FUnds Purchased and Securities Sold under Agreement to Repurchase
Other Liabilities for BorrCMed M:mey lvbrtgage Indebtedness All other Liabilities TCYI'AL LIABILITIES
SUbordinated NJtes and Debentures
murTY CAPITAL Preferred Stock Ccmron Stock Surplus U1divided Profits and Capital Reserves TCYI'AL EWTY CAPITAL
TOI'AL LIABILITIES, SUIDRDINATED NarES AND DEBEN'IURES, AND EWTY CAPITAL

187
s 25 Million
to $100 Million

43 $100 Million
to $ 25 Million

$ 750,159 $ 5,356,805

2,437,185

5,309,318

611,919

2,636,215

5,208,647 21,195,489

(52,851)

(281,079)

(168,280)

(215,090)

4,987,516 20,699,320

177,610

617,770

18,146

35,191

1,160

75,654

172,015 1,121,732

$ 9,155,710 $ 35,852,005

1,353,750 6,679,865

5,894,932 15,550,748

o

946,305

32,738

258,960

728,553

1,262,682

67,676

113,203

39,641

487,555

s 8,117,290 $25,299,318

66,776

6,445,012

29,069

241,925

7,176

36,475

129,529

1,560,954

s 8,349,840 $ 33,583,684

10,685

254,039

516

o

131,632

232,744

321,091

733,317

341,946

1,048,221

s 795,185 $ 2,014,282

$ 9,155,710 $ 35,852,005

- 34 -

DEPAR'lMENT OF BANKIN3 AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENl' OF EARNJN;S AND EXPENSES OF
STATE AND NATIONAL BANKS IN GEORGIA FOR
CALENDAR YEARS ENDIN3 DECEMBER 31, 1985 and DECEMBER 31, 1984 (Amounts in 'Ihousands)

INI'EREST INO)ME Interest and Fees on loans Incare fran Lease Financing Interest on Balances with Depository Institutions Incare on Federal Funds Sold and securities Purchased under Agreerrent to Resell Interest and Dividends fran securities
TOl'AL INI'EREST INCOME

December 31, 1985 December 31, 1984

371 Banks

383 Banks

$ 3,066,628 46,508
169,153

$ 2,724,707 30,348 197,231

164,565

199,288

707,652 $ 4,154,506

695,881 $ 3,847,455

INTEREST EXPENSE ---mterest on Deposits
Expense on Federal Funds Purchased and securities Sold under Agreerrent to Repurchase
Interest on other Ebrr~ ~ney Interest on 9.lbordinated ~tes and
Debentures TOTAL INTEREST EXPENSE

1,951,695 330,353
22,703 29,581
s 2,334,332

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

NET INI'EREST INCOME

1,820,174

1,556,676

TOTAL NCNINTEREST INCOME

551,878

465,531

OVERHEAD EXPENSE Salaries and Employee Benefits
Net Occupancy Expense of Bank Premises
and Equipnent Expenses Other Noninterest Expenses TOl'AL 0VERHElID EXPENSES

765,232 243,511
561,078
$~69,821

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

POClVISICN FOR LOAN IDSSES

199,720

134,893

SEQJRITIES GA.INS AND IffiSES

11,625

(15,024)

NET CPERAT:IN3-IN-C-c-ro-: B-E-FO_RE. _TAX-E-S
APPLICABLE INCOME TAXES

614,136 110,248

482,937 63,926

NET CPERATlN3 INCOME AFI'ER TAXES

503,888

419,011

EXTRAORDINARY INa:>ME CR EXPENSES, NET

1,198

512

NET INCCME

$ 505,086

$ 419,523

- 35 -

DEPAR'IMENI' CF BANKING AND FINANCE STATE CF GEORGIA
ABSTRACl' STATEME:m' CF EARN:m3S AND EXPENSES (BY SIZE) CF STATE AND NATIOOAL BANKS IN GEORGIA FOR CALENDAR YEAR ENDING DEI1BER 31, 1985 (Amounts in Thousands)

Number of Banks
Size of Banks
INI'EREST INcn1E
Interest and Fees on Loans Interest fran lease Financing Interest on Balances with Depoai, tory
Institutions Incane on Federal Funds Sold and
securities Purchased under Agreement to Resell Interest and Dividends from securities
TOI'AL INI'EREST INcn1E

33 less than
$ 10 Million
$ 13,235
2
534
1,956
4,625 -$--20,352

108 $ 10 Million
to $ 25 Million
$ 130,706 16
3,983
11,007
51,182 $ 196,894

INTEREST EXPENSE Interest on DeIX'Sits Expense on Federal Funds Purchased and securities Sold under llgreerrent to Repurchase Interest on Other Borrowed l-bney Interest on SUbordinated l'btes and Debentures
TOTAL INTEREST EXPENSE

10,464 22
23 12
$ 10,521

106,848 104
327 67
$ 107,346

NET INI'EREST INc::a-m

9,831

89,548

TaI'AL NCNINTEREST IN<X>ME

2,125

17,620

OVERHEAD EXPENSE

salaries and Employee Benefits

4,906

Net occupancy Expense of Bank Premises

1,574

and Equipnent Expenses

Other Noninterest Expenses

3,337

TOI'AL OVERHEAD EXPENSE

$

9,817

36,342 9,625
24,403 $ 70,370

PlVlISIOO FOR WAN IDSSES

1,712

9,569

SroJRITIES GAINS AND IDSSES

58

1,160

NRI' CPERATING INOJME BEFORE TAXES

485

28,389

APPLICABLE INOJME TAXES

537

6,282

NET CPERATING INc::a-m AFI'ER TAXES

(52)

22,107

EXTRACRDINARY INOJME OR EXPENSES, NEI'

83

120

$

31

$ 22,227

- 36 -

DEPAR'lMENI' OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACl' STATEMENT OF EARNINGS AND EXPENSES (BY SIZE) OF STATE AND NATICNAL BANKS IN GEORGIA FOR CALENDAR YEAR ENDING DOCEMBER 31, 1985

Number of banks
Size of Banks
INI'EREST INCDME Interest and Fees on loans In<::x:IIE fran lease Financing Interest on Bank Balances with Depository Institutions Incaoo on Federal FUnds Sold and Securities Purchased under Agrearent to Resell Interest and Dividends fran Securities
TOI'AL INTEREST IN<:XI-1E

187 $ 25 Million
to $100 Million
$ 632,464 750
21,531
46,582
223,294
s 924,621

43 $100 Million
and OVer
$ 2,290,223 45,740
143,105
105,020
428,551
"$ 3,012,639

TOTAL EXPENSE Interest on Deposits Expense on Federal FUnds Purchased and Securities Sold under Agrearents to Iepurchase Interest on Other IbrrCMed M:mey Interest on 9lbordinated tbtes and I:ebentures
TOTAL INTEREST EXPENSE

519,545 3,963
2,304 1,159
s 526,971

1,314,838 326,264
20,049 28,343
$ 1,689,494

NET INI'EREST IN<X>ME

397,650

1,323,145

TOTAL NCNINTEREST INCDME

80,767

451,366

OVERHEAD EXPENSE Salaries and Employee Benefits Net occupancy Expense of Bank Premises and Equipnent Expenses Other Noninterest Expenses
TOI'AL O'V.ERHFAD EXPENSES

154,906 43,698
101,535
s 300,139

569,078 188,614
431,803 $ 1,189,495

PKNISICN FOR WAN IDSSES

34,446

153,993

SEClJRITIES CAINS AND IDSSES

1,661

8,746

NET CPERATING INCDME BEFORE TAXES

145,493

439,769

APPLICABLE IN<:XI-1E TAXES

25,891

77,538

NET CPERATING INCDME AFTER TAXES

119,602

362,231

EXTRAOODINARY INCn-1E CR EXPENSES, NET NET INCCME

793 $ 120,395

202
s 362,433

- 37 -

REGISTERED BANK HOIDIN3 COMPANIES AND THEIR SUBSIDIARY BANKS
DECEMBER 31, 1985

HCIlDIN3 COMPANIES AND SUBSIDIARY BANKS

APPROVED OR
REGISTERED

FIRST STATE CCRPQRATION, Albany *First State Bank & Trust Cbrrpany, Albany First State Bank and Trust OJrrpany in Cbrdele, Cbrdele First State Bank & Trust Cbrrpany in Leesburg, Leesburg

2-04-81 2-04-81 12-06-84 2-04-81

FIRST BANK SHARES OF THE SOlm:I EAST, INC., Alma '!be First National Bank of Alma, Alma

6-11-85 6-11-85

sourn BANKIN3 COMPANY, Alma
*Alma Exchange Bank & Trust, Alma Citizens State Bank, Kingsland
BANK sconr CQRIORATIrn, Atlanta
*Bank South, National Association, Atlanta BANK SCUI'H MAcm, INC., Macon
Bank South, Fitzgerald, Fitzgerald *Bank South, Macon, Macon Bank South, vashington County, Tennille Bank South, Jasper Cbunty, National Association,
M:>nticello Bank South, lbuston Cbunty National Association,
~rry

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

COB CORP., Atlanta Citizens DeKalb Bank, Clarkston

11-07-80 11-07-80

CITIZENS ~CSHARES, <DRP., Atlanta Citizens Trust Bank, Atlanta

7-01-76 7-01-76

CITIZENS AND f:U1I'HERN GEORGIA CORIDRATIOO, Atlanta LANI:MARK BANKIN3 CORPORATIrn OF FLORIDA, Fbrt Lauderdale

7-01-76 6-21-85

COmJNITY FINANCIAL SERVICES, INC., Atlanta Georgia Bankers Bank, Atlanta

** 11-18-85 ** 11-18-85

FIRST WACOOVIA <DRroRATlrn, Atlanta FIRST ATLANTA CORPORATION, Atlanta
*The First National Bank of Atlanta, Atlanta The First National Bank of Dalton, Dalton First Bank of Savannah, Savannah THE WACHJVIA <DRroRATIOO, Winston-Salem, N.C. vachovia Bank and Trust Conpany

** 10-28-85 7-01-76
** 10-28-85 7-01-76 3-10-77
12-01-76 ** 10-28-85 ** 10-28-85

* Lead Bank
**Incarplete

- 38 -

REGISTERED BANK OOLDIN; COMPANIES (COOTINUED)

APPIV\7ED OR HOLDIN3 COMPANIES AND SUBSIDIARY B.l\NKS
HERITlGE BANCSHARES, rsc., Atlanta
Haritage Bank , Alpharetta

REGISTERED
12-16-80 12-16-80

INTEREDOC (Georgia), Limited, Paris, France INI'EREDOC (Georgia) N.V., Paris, France NBG FINANCIAL CORroRATIOO, Atlanta *The National Bank of Georgia, Atlanta
ROSWELL BANCSHARES, rsc., Atlanta
Roswell Bank , Roswell

7-05-83 7-05-83 7-05-83 7-05-83
11-07-80 11-07-80

SUNTRUST BANKS, INC., Atlanta Trust Conpany Bank of South Georgia, N.A., Albany SUN BANKS, INC., Orlando, Florida TRUST COMPANY OF GEORGIA, Atlanta

The First National Bank of Athens, Athens *Trust Conpany Bank, Atlanta Trust Corrpany Bank of Augusta, National
Association, Augusta Trust conpany Bank of Carroll County, Bowdon Trust Company Bank of Coll.nnbus, National
Association, Columbus Trust Conpany Bank of Rockdale, Conyers Trust Company Bank of Ik>uglas County,
D::mglasville Trust Conpany of Clayton County, Jonesboro Trust Company Bank of Troup County, laGrange Trust Conpany Ba.nk of Q.linrett County,
Lawrenceville Trust Company Ba.nk of Middle Georgia, N.A.,
Macon
Trust Conpany Ba.nk of Herny County, National Association, ~Ibnough
Trust Conpany Ba.nk of Nortl'Mest Georgia, National Association, R:me
Trust Conpany of Georgia Ba.nk of savannah, N.A., savannah
Trust Conpany Ba.nk of Cobb County, N.A.,
SInyrna
On'HERN BANCSHARES, rsc., Atlanta

* lead Bank
**Incarplete

Trust Conpany Bank of Southeast Georgia National Association, Brunsw.ick
*Trust Company Bank of Coffee County, Ibuglas

1-11-85 11-27-85
1-11-85 7-01-76 1-11-85 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

- 39 -

RffiISTERED BANK OOLDIN; a:>MPANIES (COOTINUED)
HOIDIN:; COMPANIES AND SUBSIDIARY BANKS
TCB CORP., Atlanta The G:>rcbn Bank, G:>rcbn
FIRST RAILroAD & BANKIN:; COMPANY OF GEORGIA, Augusta First Georgia Bank, Atlanta
*Georgia Railroad Bank & Trust OJnpany, Augusta The First National Bank of Columbus, Columbus The Bank of Dalton, Dalton Comrrercial Bank & Trust Conpany, Griffin central Bank of Georgia, Micon First National Bank in Newnan, Newnan Fanrers and Marchants Bank, Pine M:>untain The National City Bank of Rone, Rone savannah Bank and Trust Cbnpany of savannah, Savannah Bank of Screven County, Sylvania The First National Bank of Valdosta, Valdosta First National Bank and Trust Conpany, Vidalia CcJnrercial Bank, Waycross
PORT CITY OOLDIN; COMPANY, INC., Bainbridge The First R:>rt City Bank, Bainbridge
FIRST CITIZENS BANCORP CF CHEroKEE <XXJNTY, INC., Ball Ground Citizens Bank, Ball Ground
UNITED BANK CORroRATICN, Barnesville *United Bank, Barnesville United Bank of Crawford, Roberta United Bank of Pike, Zebulon
BAXLEY STATE ~N:; COMPANY, Baxley Baxley state Bank, Baxley
GEORGIA PECPLES BANKSHARES, INC., Baxley Peoples state Bank & Trust, Baxley
FIRST UNICN BANCORP, Barnesville First National Bank of Uni.on County, Barnesville
ANB BANKSHARES, INC., Brunswick *Anerican National Bank of Brunswick, Brunswick State Bank of Kingsland, Kingsland
FIRST HARALSON CORPORATION, Buchanan The First National Bank of Haralson County, Buchanan

APPROVED OR REmSTERED
11-07-80 11-07-80
7-01-76 10-12-78
7-01-76 11-08-82 10-25-79 6-06-83
1-27-84 12-21-81 11-08-82
2-25-85 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
4-25-85 4-25-85
9-19-84 9-19-84 9-19-84
3-06-84 3-06-84

* lead Bank **Incarplete

- 40 -

RFX;ISTERED BANK HOLDIN; COMPANIES (CCNrINUED)
HOIDINi (X)MPANIES AND SUBSIDIARY BANKS
SOUIHI.J\ND BANK CORP., futler *The Citizens State Bank, futler Coffee County Bank, Douq'las
FARMERS BANCSHARES, INC., cadwell *Fanrers State Bank, cadwell The Security State Bank, ~Rae
CAIro ~SHARES, INC., cairo cairo Banking Corrpany, cairo
GRADY HOIDINi (x)MPANY, cairo First National Bank of Grady County, cairo
P & C BANK SHARES, INC., camilla Planters & Citizens Bank, camilla
B C BANKSHARES, INC., Canton Bank of canton, canton
UNITED SEaJRITY BANCSHARES, INC., Canton United Security Bank, Sparta
FIRST BANKS, INC., carnesville First Bank and Trust, carnesville *Bank of 'Ibccoa, 'Ibccoa
PECPLES EUJITY SHARES, INC., carrollton TtYa Peoples Bank, carrollton
VK;NB (X)RP., carrollton west Georgia National Bank of carrollton, carrollton
BAR'IGl BANCSHARES, INC., cartersville *Bartow County Bank, cartersville Citizens Bank of Americus, Americus
PECPLES BARIOO CORPORATION, cartersville Peoples Bank of BartcM County, cartersville
NCNB CORPORATION, Charlotte, N.C. SaJTHERN NATICNAL BANKSHARES , INC., Atlanta
NCNB National Bank of Georgia, Atlanta
* lead Bank **Ineatplete

APProVED OR REGISTERED
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
12-30-80 12-30-80
9-05-84 9-05-84
2-21-84 2-21-84
4-13-81 4-13-81 4-13-81
12-05-80 12-05-80
** 8-12-85 ** 8-12-85
4-28-83 4-28-83 11-15-84
2-13-84 2-13-84
12-12-85 2-21-84
12-12-85 2-21-84

- 41 -

RffiISTERED BANK HOLDING CG1PANIES (CCNl'INUED)
HOIDI~ COMPANIES AND SUBSIDIARY BANKS
FIRST CHATSWCRTH BANKSHARES, INC., CllatS\\Orth The First National Bank of O1atsworth, O1at&Worth
LIBERTY BANCORP OF GEORGIA, INC., Clayton Rabun County Bank, Clayton
WHITE caJNTY BANCSHARES, INC., Cleveland Whi te County Bank, Cleveland
CB&T BANCSHARES, INC., Colunbus security Bank and Trust Conpany of Albany, Albany Slnnter Bank and Trust O:>Itpany, Americus The Coastal Bank of Georgia, BrunS'lick Citizens Bank and Trust of west Georgia, carrollton *Columbus Bank and Trust Conpany, Columbus Bank of Hazlehurst, Hazlehurst Commarcial Bank & Trust Corrpany of Troup County, laGrange Commarcial Bank, Thomasville First state Bank and Trust Corrpany of Valdosta C<JHJI'TA BANCSHARES, INC., Cllatsworth
Col'n.1tta B3.nking O:>Itpany, ChatS\\Orth SOOTHWEST GEORGIA FINANCIAL CORroRATIOO, lvbultrie
lvbultrie National Bank, lvbultrie WEST GEORGIA FINAOCIAL CORroRATIOO, Tallapoosa
west Georgia Bank of Tallapoosa, Tallapoosa
FIRST CCMo1ERCE BAN<X>RP, INC., oonnerce
'I'ha First National Bank of Ccmterce, CoImerce
FIRST BANK FINANCIAL CORroRATIOO, Conyers First Bank of Conyers, Conyers
FLINT BANCSHARES, INC., Cordele Cordele Banking Corrpany, Cordele
COMMJNI'lY BANKSHARES, INC., Cornelia NJrtheastern B3.nking Corrpany, Ccmrerce *Cornelia Bank, Cornelia
HABERSHAM BANCORP, Cornelia Habersham Bank, Clarksville
* lead Bank
**Incooplete

APPROlED OR REGISTERED
3-03-83 3-03-83
5-12-83 5-12-83
9-19-84 9-19-84
7-01-76 1-03-79 4-24-80 9-18-81 1-15-85 7-01-76 5-20-83 9-07-76
9-07-76 11-05-81 11-30-82
7-31-85 11-30-82 11-18-80 12-14-84 11-18-80 10-12-78
3-14-83 10-12-78
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
12-05-84 12-05-84

- 42 -

REGISTERED BANK HOLDlliG CDMPANIFS (CONTINUED)
HOIDI~ COMPANIES AND SUBSIDIARY BANKS
FNB N~ BANKSHARES, INC., Covington First National Bank of Newton County, Covington
FCRSYTH BANCSHARES, INC., Cunlning Forsyth County Bank, Clunming
D~ BANCORP, INC., Dahlonega *Bank of Dahlonega, I:ahlonega 'fua Bank of Ellijay, Ellijay
FIRm' NATICNAL BANCSHARES CF PAULDlliG caJNTY, INC., Dallas First National Bank of Paulding County, Dallas
NOR'lHWEST G:CRGIA FINANCIAL CORIQRATICN, I:a1las The Ci.tizens Bank, Dallas
HARIlVICK HOLDlliG COMPANY, Dalton Hardwick Bank & Trust <bIIpany, Dalton
D~ BANCSHARES, INC., Dawson Bank of Dawson, Dawson
DAW30N caJNTY BANCSHARES, INC., Dawsonville
Dawson County Bank, Dawsonville
FIDELITY' SCXJTHERN CCRroRATICN, Decatur Fidelity National Bank, Decatur
M & F FINANCIAL CCRroRATICN, D:malsvi11e Mrrchants and Fanrers Bank, Ibna1sonvi11e
METro BANOORP, INC., Ibuglasvi11e The Ccmrercia1 Bank, Ibuglasvi11e
THO~ lDLDlliG COMPANY, INC., Ibug1asvi11e Douglas County Bank, Douglasville
MID-STATE BANKS, INC., Dublin TOO M:>rris State Bank, lAIblin
CITIZENS CORroRATICN, Eastman Ci.tizens Bank & Trust Cbmpany, Eastman

APPIDVED OR REGISTERED
11-30-84 11-30-84
7-24-85 7-24-85
4-20-82 4-20-82 4-11-85
6-19-85 6-19-85
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
2-01-85 2-01-85
12-10-84 12-10-84
12-17-81 12-17-81
3-05-80 3-05-80
1-15-85 1-15-85

* lead Bank
**Incarp1ete

- 43 -

RffiISTERED BANK IDLDIN; C(M>ANIES (CCNTINUED)

ROWIN:; COMPANIES AND SUBSIDIARY BANKS
PEOPLES BANKSHARES, mCCRPORATED, Eatonton The Peoples Bank, Eatonton
OOE BANCSHARES, rsc., Edison
The Bank of Edison
FIRST ELBERl' CORPORATION, Elberton First National Bank in Elberton, Elberton
MIDDLE GEORGIA CORPORATION, Ellaville Bank of Ellaville, Ellaville
FAIRBANCO HQIDIN:; COMPANY, INC., Fairburn Fairburn Banking Conpany, Fairburn
COIDNY BANKCORP, INC., Fitzgerald Ashburn Bank, Ashburn Bank of Dodge County, Chester *The Bank of Fitzgerald, Fitzgerald Pitts Banking Conpany, Pitts
SourHEASTERN BANKIN:; CORroRATICN, Folkston The rarien Bank, Dar'Len
*Southeastern Bank, Folkston
COONTRY BANK COMPANY, Forsyth ~nroe County Bank, Forsyth
CA'IDOOA BANCSHARES, INC., Fort OgletbJrpe Fort Oglethorpe State Bank, Fort Oglethorpe
BANK CORPORATICN OF GEORGIA, Fort Valley *First South Bank, Fort Valley First South Bank of cam:len County, St. Marys
CB BANCSHARES, INC., Fort Valley The Citizens Bank, Fort Valley
CITIZENS EXPRESS COMPANY, Giinesville The Citizens Bank, Gainesville
FIRST NATICNAL BANCORP, Gainesville Bank of Clayton, Clayton The Peoples Bank, Cleveland First National Bank of Habersham, Cornelia Granite City Bank, Elberton *'Ih:! First National Bank of Gainesville, Gainesville

* lead Bank
**Incarplete

- 44 -

APPOClVED OR REX;ISTERED
2-17-84 2-17-84
3-05-84 3-05-84
4-01-83 4-01-83
5-08-81 5-08-81
6-11-84 6-11-84
4-15-83 8-28-84 9-09-85 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 1-07-85
8-24-83 8-24-83
10-28-83 10-28-83
5-11-81 10-04-84
9-05-85 4-30-82 7-30-84 5-11-81

RffiISTERED Bi\NK lDLDIK; CCM?ANIES (COOTINUED)
HOIDIN3 COMPANIES AND SUBSIDIARY BANKS
FIRST CITIZENS BANKSHARES, INC., Glennville First Citizens Bank, Glermville
CITIZENS FINANCIAL SERVICES, INC., Greensboro Citizens Union Bank, Greensboro
FNB BANKIN3 COMPANY, Griffin *First National Bank of Griffin, Griffin Tre First National Bank of Barnesville, Barnesville
CCB BANCSHARES, INC., Hahira Citizens Ch'raTllnity Bank, Hahira
:LQWilDES BANCSHARES, INC., Hahira camtercial Banking Cbnpany, Hahira
JEFF DAVIS Bi\NKSHARES, INC., Hazlehurst Jeff Davis Bank, Hazlehurst
COASTAL Bi\NKSHARES, INC., Hinesville The (bastal Bank, Hinesville
LIBERTY SHARES, INC., Hinesville Tre Hinesville Bank, Hinesville
FIRST lIXiANSVILLE Bi\NKSHARES, INC., Ibgansville Tre Citizens Bank, lbgansville
BANKS ca.JNTY FINANCIAL CORroRATIGl, Ibner Bank of Banks Cbunty, li:mer
JBC BANCSHARES, INC., Jasper Jasper Banking Conpany, Jasper
PIa<ENS COON'I'Y BANCSHARES, INC., Jasper Pickens Cbunty Bank, Jasper
FIRST JPCKSON BAN<X>RP, Jefferson Tre First National Bank of Jasper County, Jefferson
LAFAYETl'E Bi\NKSHARES, INC., laFayette Tre Bank of LaFayette, <oIgia, LaFayette
* Lead Bank **Incarplete

APPRJVED OR REGISTERED
12-16-80 12-16-80
6-17-85 6-17-85
1-17-83 1-17-83 12-21-84
12-15-82 12-15-82
9-16-85 9-16-85
1-22-85 1-22-85
7-07-82 7-07-82
10-24-84 10-24-84
9-23-82 9-23-82
3-24-82 3-24-82
7-10-85 7-10-85
12-08-82 12-08-82
2-27-84 2-27-84
1-03-84 1-03-84

- 45 -

RffiISTERED BANK HOLDm:; COMPANIES (COOTINUED)
ROWIN:; COMPANIES AND SUBSIDIARY BANKS
FMB BANCSHARES, INC., Lakeland Farmers and l-Erchants Bank, Lakeland
FIRST SEOJRITY BANKSHARES, INC., Lavonia Bank of Barbie1l, BarbYell *N:>rtheast ceorgia Bank, Lavonia
CITIZENS lDLDm:; COMPANY, lexington Citizens Banking Corrpany, Lexington
LINCOLN BANCSHARES, INC., Lincolnton Farmers State Bank, Lincolnton
PE~S BANKING COMPANY, INC., Li tronia TiE Fanrers Bank, Fbrsyth *The Peoples Bank, Litroni.a TiE Bank of ~rry, ~rry
THE QJEENSOORO COM?ANY, lDuisville TiE First National Bank of lDuisville, lDuisville
SOUTH GEORGIA BANKSHARES, CDRP., Lyons TiE Peoples Bank of Lyons, ceorgia, Lyons
GEORGIA STATE BANCSHARES, INC., Mableton ceorgia State Bank, Mableton
MADISON BANK CORP., Madison Bank of Madison, Madison
F AND M HOLDm:; COWANY, INC., Manchester F & M Bank and Trust Conpany, Manchester
THE CHATI'AHO<X:HEE FINANCIAL CDRroRATICN, Marietta The Chattahoochee Bank, Marietta
FIRST CITY BANCORP, INC., Marietta The First National Bank of Cobb County, Marietta
FCS FINANCIAL CDRroRATICN, Martinez First Colunbia Bank, Martinez
J. L. PILOlER AND SCNS, INC., l-Eigs Bank of l-Eigs, l-Eigs
* lead Bank **Incarplete

APPROVED OR RffiISTERED
10-11-84 10-11-84
11-15-83 11-26-85 11-15-83
3-03-83 3-03-83
12-03-84 12-03-84
8-22-80 8-22-80 8-22-80 3-31-81
11-18-85 11-18-85
12-17-80 12-17-80
1-19-82 1-19-82
7-10-85 7-10-85
** 12-14-84 ** 12-14-84
8-13-84 8-13-84
12-02-80 12-02-80
9-16-83 9-16-83
7-01-76 7-01-76

- 46 -

RffiISTERED BANK HOLDIN; COMPANIES (CCNrINUED)

HOIDIl'K; COMPANIES AND SUBSIDIARY BANKS

APPRJ\7EI) OR RffiISTERED

CENl'RAL AND SOUI'HERN HOIDIl'K; COMPANY, Milledgeville The Citizens and Southern Bank of Milledgeville, Milledgeville

3-06-81 3-06-81

EXCHANGE BANKSHARES, INC., Milledgeville ~hange Bank, Milledgeville

10-05-83 10-05-83

F. A. BANKSHARES, INC., M::mroe
First lIrerican Bank of walton, M:mroe

12-30-83 12-30-83

NBW::: CORroRATICN, M::mroe The National Bank of walton County, M::mroe

9-23-82 9-23-82

ABC HOLDIN; COMPANY, MaJLTRIE *lIrerican Banking Cbrrpany, M::>Ultrie Bank of Q..ri.tman, Q.litman

3-23-81 3-23-81 5-09-85

THE NASHVTIoLE HOIDIl'K; COMPANY, Nashville Mel Banking Company, Mel *The Citizens Bank, Nashville

5-16-85
** 10-01-85
5-16-85

UNITED BANKSHARES, INC., Nashville The United Banking Cbnpany, Nashville

4-23-85 4-23-85

THE PRIDENTIAL INSURANCE COMPANY OF AMERICA, Newark, N. J. PRUCO, INC., Newark, N.J. PRIDENI'IAL CAPITAL AND INVES'IMENl' SERVICES, INC., Ne\lS.rk, N. J *The Prudential Bank and Trust Cbmpany, Atlanta

6-27-83 6-27-83 6-27-83
6-27-83

NIClDLLS STATE mNCSHARES, INC., Ni.cho.l.Ls Nicholls state Bank, Ni.cbol.Ls

5-03-84 5-03-84

IRWIN BANKCORP, INC., <X::illa The Bank of oci.Ll.a, <orgia, ocil.la

9-24-84 9-24-84

FIRST FUL'ICN mNCSHARES, INC., Pal.rretto First Fulton Bank and Trust, Pal.rretto

8-16-85 8-16-85

PINEVIEW BANCSHARES, INC., Pineview Pineview state Bank, Pineview

10-06-81 10-06-81

* lead Bank
**Incarplete

- 47 -

RffiISTERED BMJK HOLDIK; COMPANIES (COOTINUED)
HOIDIN3 COMPANIES AND SUBSIDIARY BANKS
GEORGIA COMMUNITY BANCORP, INC., Reynolds Bank of Terrell, Dawson camercial state Bank, Ibnalsonville
*The Citizens State Bank, Reynolds
NW SERVICES CORPORATION, RIN3GClLD Northwest ceo:rgia Bank, Ringgold
RCSSVILLE BANKSHARES, INC., lbssville Rossville Bank, lbssville
SSL FINANCIAL CORPORATION, Roswell SentIy Bank and Trust Corrpany, !Oswell
FIRST CAMDEN BANCORPORATION, St. Marys First National Bank of canrlen County, St. Marys
CHARL'I'CN ASSOCIATES, Savannah AMERICORP, INC., Savannah 1Ireribank, National Association, savannah
SOOTHERN BMJK lDLDIK; CCM'ANY, savannah Sout.harn Bank and Trust Corrq;>any, savannah
GEORGIA CENTRAL BANCSHARES, INC., Social Circle ceo:rgia central Bank, Social Circle
SOPER'l'CN NAVAL S'IDRES, INC., Soperton The Bank of Soperton, Soperton
FIRST BANKIN:; COMPANY OF saJ'.l'HEAST GEORGIA, Statesboro *First Bulloch Bank & Trust Corrq;>any, Statesboro Metter Banking Conpany, !-Etter
HENRY COONTY BANCSHARES, INC., stockbridge '!he First State Bank, Stockbridge
EM3 CORP., Sumnerville Fa.nrers & Merchants Bank, SumIrerville
CENrRAL BANKIN3 COMPANY, Swainsboro The central Bank, Swainsboro
* lead Bank
**Incatplete

APPROVED OR
REX;ISTERED
10-25-84 10-25-84 10-25-84 10-25-84
12-14-83 12-14-83
8-13-84 8-13-84
1-10-84 1-10-84
7-18-85 7-18-85
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
2-08-82 2-08-82 12-04-85
3-07-83 3-07-83
11-07-80 11-07-80
10-07-81 10-07-81

- 48 -

RffiISTERED BANK IDLDIM; CDMPANIES (CCNTINUED)
HOIDIN:; COMPANIES AND SUBSIDIARY BANKS
FIRST BANK HOIDIN:; COMPANY, Sylvester Sylvester Banking Corrpany, Sylvester
va; BANCSHARES, INC., 'lbomaston vest Central Georgia Bank, 'Ihornaston
MII.IED BANKSHARES, INC., TlDnson Bank of Millen, Millen Bank of lwbrgan County, Rutledge *Bank of '!homson, '!hornson
FIRST COl-1MUNITY BANCSHARES OF TIFI'ON, INC., Tifton First Conmmity Bank of Tifton, Tifton
TRI-STATES BANKSHARES, INC., Trenton Bank of Dade , Trenton
LCCAL INVESTORS, INC., Unadilla State Bank and Trust Conpany, lhadilla
ALTAMAHA BANCSHARES, INC., Uvalda Altamaha Bank and Trust Corrpany, Uvalda
PAB BANKSHARES, INC., Valdosta *The Park Avenue Bank, Valdosta FARMERS & MERCHANTS BANCSHARES, INC., Mel
Fanrers & ~chants Bank, Mel
T<:XM3S BANK SHARES, INC., Vidalia Brice Banking Cbrrpany, Inc., Vidalia
DCXJLY BANCSHARES, INC., Vienna Bank of D:::>oly, Vienna
S<XJTHERN BANCORP, INC., waycross The Exchange Bank, Ibuglas M::>unt Vernon Bank, M::>unt Vernon *8althem Bank, Waycross
FIRST BANKSHARES OF WEST mINT, INC., West Point First National Bank of West Point, West Point
* lead Bank
**Incooplete

APPROVED OR
RffiISTERED
8-22-83 8-22-83
12-10-82 12-10-82
12-03-84 9-30-85 4-25-85 12-03-84
5-10-82 5-10-82
4-27-82 4-27-82
10-31-83 10-31-83
11-03-80 11-03-80
8-02-82 8-02-82 1-03-84 10-25-85 1-03-84
3-15-83 3-15-83
4-03-85 4-03-85
10-21-81 7-28-82 1-26-84 10-21-81
7-13-83 7-13-83

- 49 -

RmISTERED BANK OOLOIK; <XM?ANIES (CCNI'INUED)
ROWIN3 COMPANIES AND SUBSIDIARY BANKS
ATKINSCN Ca.NTY BANKSHARES CORPORATION, Willacoochae The Peoples Bank, Willacoochee
PECPLES ROWIN3 COMPANY, Winder 'l;'he Peoples Bank, Winder
KX>DBURY BANCSHARES, INC., W::>odbury '!he Vbodbmy Banking COnpany, Vbodbmy

APPOOVED OR
REGISTERED
9-18-80 9-18-80
11-17-83 11-17-83
12-08-83 12-08-83

*Iead Bank **Incarplete

BANK IDLOIK; C<M?ANIES OEREGISTERED/OISSOLVED

BANK HOLDIK; COM?ANY
CBA Bancshares, Inc. Georgia First Financial Cbrp. The Peoples Bankcorp First Grinnett Bancshares, Inc. F & M Bancshares, Inc. N. C. B. Cbrporation Matter Financial se:rvices, Inc. Bancshares of Georgia, Inc. First United Bancshares, Inc. Q.ritman Bancshares, Inc. The National Ci.ty Bankcorp Carroll COunty Financial COrporation First 'Ihomson Banoorp, Inc.

IOCATION
Americus Calhoun Gainesville Lawrenceville
reslie
Mansfield Matter lvbntezuma lvbntezuma Q.libnan Ibme Temple Thomson

EFFECTIVE
1-03-85 9-17-85 9-30-85 8-01-85 4-30-85 8-30-85 12-31-85 6-30-85 5-28-85 6-28-85 3-07-85 9-30-85 1-26-85

- 50 -

APPLICATICNS APPOOVED FOR BANK IDLDIN3 CCM?ANY SUBSIDIARIES
-----_.__. _ -T-O -ME-RG-E -ACRCSS COONTY LINES

BANK IDlDIN3 COMPANY
CITIZENS AND SOUl'HERN G:ORGIA CORPORATICN
'!he Citizens and Southern Bank of Albany The Citizens and Southern Bank of Dublin The Citizens and Southern Bank of vest Georgia The Citizens and Southern Bank of Newnan Bank The Rome Bank and Trust Company The Citizens and Southern Bank of Tlona.ston
with/into The Citizens and Southern National Bank
FIRST STATE CORPORATION Fort Gaines Banking Conpany with/into First State Bank & Trust Company
BANK SOUTH CORPORATION 'Ihe Bank of Griffin with/into Bank South National Association
FIRST ATLANTA CORPORATION '!he Bank of Macon County with/into The First National Bank of Atlanta
TRUST COMPANY OF GEORGIA
Farners Bank of Pelham with/into
Trust Company Bank of South Georgia, National Association
FIRST RAILroAD & BANKIN3 COMPANY OF GEORGIA
Ccmrercial & Exchange Bank First Georgia Bank of Cobb County Gvirmett Rink & Trust Cbrrpany
with/into First Georgia Bank
FIRST RAILroAD & BANKIN:; COMPANY OF GEORGIA
Georgia State Bank \'e.shington loan and Banki.nq Conpany
with/into Georgia Railroad Bank & Trust Corrpany

IOCATION
Atlanta Albany Duhl.i.n laGrange Newnan
lbITe
Thanaston
savannah
Albany Fort Gaines
Albany
Atlanta Griffin
Atlanta
Atlanta M)ntezuma
Atlanta
Atlanta Pelham
Albany
Augusta BreITen Marietta rbrcross
Atlanta
Augusta Martinez washington
Augusta

EFFEX:TIVE DATE
12-31-85 12--31-85 12--31-85 12-31-85
8-01-85 12-31-85
2-11-85
4-19-85
6-30-85
4--01-85
7-31-85 7-31-85 12-30-85
12-30-85 8-30-85

- 51 -

APPLICATICNS APPROVED FOR BANK HOLDIN3 COMPANY SUBSIDIARIES TO MERGE ACrosS CaJNTY LINES (COOTINUED)

BANK HOIDING COMPANY

CB&T BANCSHARES, INC. 'lhe Citizens & Merchants Bank with/into Citizens Bank and Trust Company of vest Georgia

Columbus Brerren
carrollton

CB&T BANCSHARES, INC. First United Bank with/into Columbus Bank and Trust Company

Columbus r-t:>ntezuma
Columbus

BANK SOO'IH MACON, INC. First Citizens Bank with/into Bank South, Macon

Macon Forsyth
Macon

EFFECTIVE DATE
12-06-85
5-28-85
7-22-85

- 52 -

INl'ERNATICNAL BANK AGENCIES

-NA-ME-C-F A-GE-NC-Y

LICENSE NO.
--------

Barc lays Bank PLC

1

(Ehgland)

The Bank of rbva SCotia

2

(Canada)

Algerrene Bank Nederland

3

N.V.

(Netherlands)

Swiss Bank Corporation

4

(Switzerland)

Canadian Imperial Bank

5

of Q:mrerce

(Canada)

Comnerzbank

6

Aktiengesellschaft

(Federal Republic of

Garmany)

Credit SUisse

7

(Swi tzerland)

The 'I'orontcrDominio!' Bank

8

(Canada)

Lloyds Bank International

9

(England)

Krl.:<)ietbank, N.V.

10

\Belgiurn)

Credit Lyormais

11

(France)

Bayerische Vereinsbank PG

12

(Union Bank of Bavaria)

(\-est Gennany)

Standard Chartered Bank

13

(England)

Banca Nazionale del

14

Lavoro

(Italy)

TOI'AL --I-S-SU-E.-D-R-E-NE-W-E-D-----. G(EInOR'GIhIAouAsaSnSEdTs)S

6-11-76 6-11-85

$ 92,058

5-27-77 5-27-85

515,724

6-24-77 6-24-85

223,562

7-14-77 7-14-85 4-05-78 4-05-85

53,472 357,993

10-31-78 10-31-85

77,479

11--27-78 11-27-85 2-23-79 2-23-85 4-13-79 4-13-85 3-20-80 3-20-85 11-06-80 11-06-85 12--01-80 12-01-85
10-19-81 10-19-85 2-09-82 2-09-85

*
1,764,815
* *
130,184 56,655 519,735

- 53 -

INTERNATIOOAL BANK AGENCIES (CCNTINUED)

NAME OF AGENC':l

LICENSE
NO.

ISSUED

TOTAL GEORGIA ASSETS
(In Thousands)

Banque Indosuez France

15

3-28-83 3-28-85

*

National westminister
PLC
(England)

16

7-03-84 7-03-85

*

The Sanwa Bank, Limited

17

11-14-84 11-14-85

(Japan)

45,983

National Bank of canada

18

(canada)

4-10-85

*Operating as IEpresentative Office CNLY on I:ecember 31, 1985.

PARENr BANK AND ADDRESS
The Citizens and Sout.tern National Bank
Atlanta, GA 30303
The National Bank of Georgia
Atlanta, GA 30303
The First National of Atlanta
Atlanta, GA 30303
Trust Company Bank Atlanta, GA 30302
Bayerische Vereinsbank AG (Union Bank of Bavaria)
Munich, Gennany
Chase Bank International
Newark, Delaware

INTERNATICNAL BANK FACILITIES

IJX:.ATICN OF FACILITY
34 Broad St., N.W. Atlanta, GA 30303

PER-UT NO.
1

ISSUED
12-22-81

12-22-85

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

2

1-06-82 1-06-85

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

3

1-26-82 1-26-85

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

4

2-02-82 2-02-85

230 Peachtree St., N.W.

5

5-03-82 5-03-85

suite 600

Atlanta, GA 30303

5775-F PeachtreeDl1IM:>Ody Rd.
Atlanta, GA 30342

6

7-15-82 7-15-85

- 54 -

INTERNATIOOAL BANK FACTI..ITIES (COOTINUED)

PARENT BANK AND ADDRESS

LOCATIOO OF F1\CILITY

PERMIT NO.

ISSUED

B:mca Nazionale del Lavoza
lbme, Italy
Bank South, N.A. Atlanta, GA. 30303

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

55 Ma.rietta St.

9

Atlanta, GA. 30303

10-24-83 10-24-85 12-28-84 12-28-85

REPRESENTATIVE OFFICES OF DG1ESTIC BANKS

NAME AND ADDRESS CF PARENr BANK
Bank of America NT & SA San Francisco, California
Colllll'bus Bank and Trust Cbnpany Cbltnnbus, Georgia d/b/a The Georgia Cbmpany d/b/a The Georgia Cbrnpany d/b/a The Georgia Cbmpany
Bankers Trust Cbrnpany ~w York, New York .
The First National Bank of Boston Boston, Ma.ssacln1setts . .
o:mno~alth savings Association Houston, Texas . . . .
Cbntinental Illinois National Bank and Trust Company of Chicago Chicago, Illinois . . . .
The First National Bank of Chicago Chicago, Illinois .
security Pacific National Bank IDs Angeles, California . .
lirErican National Bank of Brunswick Brunswick, Georgia . . . .

OFFICE LCX:ATIOO
Atlanta
Albany savannah Valoosta
Atlanta Atlanta Atlanta
Atlanta Atlanta Atlanta State Farm Agents Various

- 55 -

REPRESENTATIVE OFFICES OF r:>a1ESTIC BANKS (CONl'INUED)

NAME AND ADDRESS CF PAREN!' B1\NK

OFFICE IOCATIOO

United Virginia M::>rtgage Corporation Richrcond, Virginia . . . .

Atlanta

~ritage Bank Alpharetta, Georgia

Marietta Fayetteville

NJrthwestern Bank Wilkesboro, NJrth carolina

Atlanta

Standard Federal Savings and loan Association Gaithersburg, Maryland . . . . . .

Atlanta

Manufacturers Hanover Trust Corrpany New York, New York . . . . . . . . . . Atlanta

Georgia Railroad Bank & Trust Corrpany Augusta, Georgia . . . . . . . .
linity Bank W:>odbridge, Connecticut . . . . .

Augusta Martinez
Columbus

1irerican National Bank and Trust CoIIpany of Olattanooga O1attanooga . . . . . . . . . . . . . . . . . . . . .

Atlanta

Baltimore Federal Financial, F.S.A. Baltimore, Maryland . .

Atlanta

Gibralter savings Beverly Hills, california

Atlanta

Irving savings and loan Association Patterson, New Jersey .

Atlanta

Marine Midland (Delaware), National Association Wilmington, Delaware . . . . . Atlanta

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

Pickens County Bank Jasper, Georgia .

~stock

Trust Chrpany Bank Atlanta .

Atlanta

Famers savings Bank Davi.s , california .

Atlanta

- 56 -

REPRESENTATIVE CFFICES CF J:>CMFSTIC BANKS (ccm'INUED)

NAME AND ADDRESS CF PARENr BANK

OFFICE IOCATIOO

Provident National Bank Philadelphia, Pennsylvania

Atlanta

First City services Cbrporation Pensacola, Florida . . . . . .

Atlanta

Eeneficial <orgia, Inc. Wilmington, Delaware . .

Various Georgia

First Illinois Cbrporation Evanston, Illinois . . . .

Various Various

Citicorp Acceptance Cbnpany, Inc. St. Louis, Missouri .....

Atlanta

Maryland National Bank Baltimore, Maryland .

Marietta

First Federated Savings Bank vest Palm Beach, Florida .

. . . . Atlanta

Coast Savings and loan Association !.Ds Angeles, california .

Atlanta

Savings Financial Cbrporation lake Jackson, Texas . . . .

Atlanta

First lirerican Savings Bank, FSB Greensboro, North carolina . .

. . . . . . . . Atlanta

Albuquerque Federal Savings and Loan Association Albuquerque, New Mexico . . . . . . . . . . .

Atlanta

BancPlus Savings Association lbuston, i'exas . . . . . . . . . . . . . . . . . . . . . . . . . Atlanta

REPRESENTATIVE CFFICES CF INTERNATIOOAL BANKS

NAME AND ADDRESS OF PARENT

OFFICE IOCATION

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

Atlanta

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

Atlanta

The Industrial Bank of Japan, Limited 'lbkyo, Japan . . . . . . . . . . . .

Atlanta

- 57 -

REPRESENI'ATIVE CFFICES OF INTERNATIOOAL BANKS (COOTINUED)

NAME AND ADDRESS OF PARENT

OFFICE IOCATION

~ FUji Bank, Limited 'Ibkyo, Japan .

Atlanta

The Smri.tono Bank t Limited osaka, Japan .

Atlanta

The Dai-Ichi Kangyo Bank, Ltd.

'Ibkyo, Japan . . . . .

. . . . . . . . . . . Atlanta

The Mitsui Bank, Limited

'Ibkyo, Japan . .

. . . . . . . . . . Atlanta

The Tokai Bank, Ltd. Nagoya, Japan . . .

Atlanta

- 58 -

StM1ARY CF .ACTIVITIES OF STATE CHARTERED CREDIT UNIONS

CHARI'ER APPLICATIONS APPROVED

NAME OF CREDIT UNION
Fashion star Enployees

:ux::ATION carrollton

APPROVED 01-03-85

APPLICATIONS FOR VOLUNTARY LIQJIDATIONS AND/OR MERGERS

NAME CF CREDIT UNICN

IOCATION

ACrIVI'rY APPROVED CCMPLEI'ED

Lay Employees Savings and Loan Chamblee

Champion Einployees' Credit Association

l-bnroe

OXford Employees'

Vidalia

C.C.B.E. Einployees

Jonesboro

Attapulgus

Attapulgus

Gulf Oil Employees

Atlanta

Cox Cormunications Employee

Atlanta

Merger
Merger
Merger
Merger
Merger
Merger
Merger

2-15-85 3-22-85

11-14-85 4-30-85

3-22-85 4-18-85 5-13-85 7-31-85 8-08-85

4-30-85 7-26-85 7-26-85 10-01-85 10-01-85

SlH1ARY OF ADDITIONS AND DELETIONS OORING 1985

IN OPERATICN JANUARY 1, 1985

165

CREDIT UNICNS OPENJN; DURIl'l; YEAR

+1

CREDIT UNICNS DELErED BY MERGERS AND LIOOIDATIONS

-7

'lUI'AL .ACTIVE CREDIT UNICNS IN OPERATION DOCEMBER 31, 1985

159

- 59 -

NAME CF CREDIT UNION

RECEIVERSHIP LIQJIDATIONS

IJX:ATION

CIffiED

RECEIVER OR DEPUI'Y RECEIVER

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

Augusta

3-09-79

GCUDIC
$18,719.88 1,398.93 12,681.60

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

Atlanta

5-15-81

GCUDIC $ 6,935.08
938.82 3,329.91

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

Atlanta

9-23-76

GCUDIC $23,657.64
407.72 1,888.06

DDI Employees' Credit Union Unpaid Claims Estimated Value of Ranaining Assets

Dalton

7-29-80

GCUDIC $ 320.06
6,277.31

- 60 -

CITY
Alba.ny Albany Alba.ny Americus Athens Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta
Atlanta
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta
Atlanta Atlanta Atlanta Atlanta Atlanta
Atlanta
Atlanta Atlanta Atlanta Atlanta
Atlanta Atlanta

LIST OF STATE CREDIT UNIONS

COONTY

NAME OF CREDIT UNION

CHARTER TCJI'AL
DATE ASSEI'S*

Ibugherty Ibugherty Ibugherty SUmter Clarke Clarke Clarke Clarke Fulton Fulton Fulton Fulton Fulton Fulton Fulton
Fulton
Fulton FUlton FUlton FUlton Cbbb Fulton Cbbb
Cbbb Fulton
DeKalb DeKalb
Fulton
Fulton
Fulton Fulton Cobb FUlton
Fulton Fulton

Alba.ny Federal Employees

12-14-33 2,924

Keenan

12-29-36

759

Phoebe Putney Employees'

5-15-74

624

SUmter County Teachers

4-04-36

211

**JIGH Employees'

10-28-75

Athens Division

3-07-29 2,126

Dairy-Pak Athens

3-25-57

635

Educators'

5-18-59

225

A D Co. Employees

4-10-53

510

Amarlite Employees

9-10-80

251

American Freight System Employees 11-07-80 15,660

AMIlSCO

2-24-60

31

Associated

1-23-56 17,876

Atlanta City Employees

8-30-28 8,790

Atlanta Cbca-Cb1a Bottling Co.

5-04-73 6,918

Employees'

Atlanta Cboperative Credit

2-02-39

326

Association

Atlanta Postal

11-03-25 208,331

Atlanta Railway Postal Clerks

3-15-28 12,389

Atlanta Teachers

11-26-26 20,519

Atlantic Steel

11-26-26 8,507

Chevron Southern

11-23-33 1,834

Delta Employees

3-08-40 344,604

Employees Credit Union Swift and 4-27-33

188

Cbnpany (Fonrerly Employes Credit

Union Swift and Cbrcpany, Atlanta,

Georgia)

'Ihe Federal Employees

3-31-30 88,463

GPC Credit Association

6-10-74 2,437

GrA

10-01-75 4,333

Georgia central

5-01-36 187,955

Georgia DepartIrent of Human

7-30-51 4,400

Resources

Georgia DepartIrent of Public

6-22-70 2,546

safety

Georgia DOT

11-19-51 10,840

Georgia E.S.A.

1-05-40 2,531

Georgia International

12-10-62

624

Georgia State DepartIrent of

3-15-54 5,862

Education

Georgia Telco

12-06-43 280,864

H M B Employees

1-11-73 1,776

* AMlJNTS IN THOUSANDS ** MERGER IN PKCESS

- 61 -

CITY
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta
Pugusta Augusta
Augusta
Bainbridge
Baldvin Brunswick Buford Calhoun Calmun carnesville Carrollton Cartersville
Cha tS\ooOrth College Park Colurrbus
Colunbus Columbus Colurrbus Columbus Colurrbus Columbus Colunbus

LIST OF S'mTE CREDIT UNIONS

COONTY

NAME OF CREDIT UNION

CHARTER TCYI'AL
DATE ASSETS*

Fulton Fulton Fulton Fulton Fulton DeKalb Fulton DeKalb Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton
Richmond Richmond
Richmond
Decatur
Banks Glynn Gwinnett GJroon Gord:m Franklin Carroll Bartow
Murray Fulton Muscogee
Muscogee Muscogee Muscogee M.lscogee Muscogee Muscogee Muscogee

Hospital Autmrity Employees IB:EW Local 613 Journal-COnstitution flnployees l-Ead Employees' Munford Enployees Mutual savings Piednont Hospital Reliance Rich's Employees S. M. C. R. C. Sewell Employees Southern Freight BJreau Employees state Employees The 'lbrift United Family Employees USSAC Williams Bros. Enployees' Savings
and Credit Association Health Center King Mill Savings & Credit
Association Richmond County Health Depart:Irent
Enployees Amoco Fabrics Corrpany Credit
Association Fieldale Glynn County Federal Employees lDvable Calhoun-GJrdon County Educators' Crown Crafts, Inc. flnployees Bulldog Trucking Employees Fashion Star Stratton Industries Credit
Association Currberland Credit Association Associated Grocers W. C. Bradley Employees'
Credit Association
"CPC"
Columbus Coca-COla flnployees Colunbus Health & Hospital Columbus Postal Colurrbus Regional Ibspital Gas Light Employees Swift

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
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 1-04-85
10-20-81
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

7,233 1,901 6,375 3,385
667 17,422
1,008 13,999 16,394
272 724 371 18,290 10,867 1,127 896 1,663
3,520 2,975
288
802
1,578 3,534
96 341 196 206
41 303
197 815 194
26 84 1,104 11,933 118 271 946

* AM::lJNTS IN TOOUSANDS

- 62 -

LIST CF S'l2\TE CREDIT UNIONS

CITY

Ca.NI'Y

NAME CF CREDIT UNION

CHAR1'ER TCfl'AL

DATE

ASSETS*

Colunbus Cordele Cbmelia Cornelia O1thbert Dalton Dalton Dalton
Decatur Decatur
~catur
Decatur
~catur
Ibraville Ibraville Ibuglas Dry Branch D.1blin East Point

Muscogee Crisp Habersham Habersham Randolph Writfield Whitfield Writfield
DeKalb DeKalb DeKalb DeKalb DeKalb DeKalb Golinnett Coffee Bibb Laurens Fulton

East Point East Point East Point Fayetteville Fitzgerald Fbrest Park

Fulton Fulton Fulton Fayette Ben Hill Clayton

Forest Park

Clayton

Fbrt lwk:Pherson Fulton

Gainesville

Hall

Q:>rdon

Wilkinson

Griffin Hapeville Hapeville Hazlehurst
Hazlehurst
Helen
Jackson

Spaldi~
Fulton Fulton Jeff Davis
Jeff Davis
White
B.1tts

'Ibm's Credit Association Harris Employees Ethicon statco Day Conpany Inc., Employees N. G. E. M. C.
Tawan Employees
\'hi.tfield County Postal Employees
Decatur Postal Employees Decat.ur TeacOOrs CAE ~rrbers Kraft Employees The Woodco F. D. & L. Employees Gaylord Employees' Coffee General Hospital Employees Georgia Kaolin Employees nIDlin Federal Employees Colonial Employees (Fbrnerly Colonial Stores
Ehlployees) East Point ~icipal Employees Fulton Teachers PerJ::Y Connunications Orristian Clrorcres P. H. P. Credit Association Employees Savings & Credit
Assn. Sexton Atlanta Employees Fbrt lwk:Prerson HOi Ehlployees' White Q:>ld (Fornerly Freeport Kaolin
Employees' )
Launderers s Cleaners
Hapeville Auto Employees Hapeville Employees' H and S Employees Credit
Association Patchogue-Plyrocuth Employees
Credit Association Orbit savings & Credit
Association <:XiEM:: Employees

11-03-81 5-19-47 1-30-79 1-18-65 6-10-81 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 4-28-80 4-05-76 8-21-80
1-12-45 7-23-48 10-15-74 5-15-79
3-09-72 7-09-82 3-29-79 8-02-72
8-15-68
9-27-77
9-09-53

836 453 1,711 752 23 761 105 523
2,970 354 166
5,384 278
1,242 167 134 639
1,529 8,290
608 8,821
310 271 1,056 3,147
71
6,921 524 501
2,367 4,692
724 164
2,433
233
400

* AM:X.JNTS IN 'lHXJSANOO

- 63 -

LIST OF STATE CREDIT UNIONS

CITY

COONTY

NAME OF CREDIT UNION

CHARl'ER TCfI'AL

DATE

ASSRl'S*

JOnesboro
LaFayette Micon Macon

Clayton
walker Bibb Bibb

Tara (Fonrerly Clayton Cities &
County Employees) lbper LaFayette Employees' Ci.ty ~loyees Federal Employees

1-05-71 5,343

3-29-74 2-28-51 2-01-26

320 418 3,432

Micon Macon Micon Macon Micon Macon Macon Marietta Mirietta M::Intyre Milledgeville Milledgeville Mmtezuma M::mltrie
M:>Ultrie Nashville
l'brcross Norcross Pine M:>untain Ringgold
lOne R:>me lane
savannah
Savannah Savannah savannah
savananh Savannah savannah savannah savannah savannah Sea Island

Bibb Bibb Bibb Bibb Bibb Bibb Bibb Cobb Cobb Wilkinson Baldwin Balavin Micon Colquitt
Colquitt Berrien
Grinnett Gwinnett Harris catoosa Floyd Floyd Floyd Chatham
Chatham O1atham Chatham
<l1atham O1atham Chatham Olatham <l1atham Olatham Glynn

ceorgia Kraft ~loyees Macon Firenen' s Macon Oil Processors Macon :Et>lice Macon water w:>rks Medical center of central Georgia 9nith and Sons Employees
C-MAR
Kennestone Regional Engelhard Employees Baldwin County Hospital Employees central State lbspital SCUthern Frozen Foods Employees Employees Credit Union, C/O New
Sipco, Inc. M:>Ultrie Container Employees Nashville Mills Employees
Association Genuine Parts Rock-Tenn Conpany Employees callaway Gardens salem carpet Mills Floyd County Post.al, ~loyees Northwest Georgia R:>me Kraft Employees Family Lines Credit Union of
savannah G. P. A. Health ~loyees Chatham County savannah Electric and Power
Employees savarmah Federal Savannah J-Mers savannah :Et>stal savannah lEgional Hospital Southern States Employees w:>rkmen's Circle Sea Island Employees

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 11-22-72 4-24-33
3-01-83 11-21-72
1-25-37 7-30-74 7-26-77 7-06-73 4-17-26 11-25-81 3-31-55 12-29-28
11-17-52 8-01-55 4-11-39
6-10-31 9-18-64 6-23-52 4-17-72 12-03-70 2-06-50 5-27-80

5,040 355
1,286 456 179
2,174 272
7,132 2,761
235 631 6,742 377 119
172 1,967
1,373 1,137
408 984 789 7,247 6,713 4,593
2,312 1,219 2,072
2,375 458
3,748 448 123
4,511 5,031

* AMaJNl'S IN THOOSANDS

- 64 -

LIST CF STATE CREDIT UNIONS

CITY
Statesboro
Tallap:x>sa Tlnnasville
Th::Jna.sville Tocooa 'Ibcooa Valdosta
Valoosta Valdosta warner Ibbins wrens

COONTY
Bulloch
Haralson TlDnas
Th::Jna.s SteIhens Stephens lDwndes
lDwndes lDwndes Houston Jefferson

NAME CF CREDIT UNION
central O]eechee River Educators (CORE)
Dixisteel Davis Employees Credit
Association Flowers Employees Credit League North Georgia Wright Manufacturing Employees South Georgia Area Public
Employees Valoosta Educators Valdosta Q1ized warner lbbins Employees Georgia-Tennessee Mining and
Chemical Employees

CHARTER TOI'AL

DATE

ASSETS*

6-21-74 2,191

4-13-62

633

10-13-70

360

11-17-71 3-29-82
11-18-63 7-19-82

8,468 3,992 2,000
719

11-28-72 7-30-54
10-09-69 3-31-70

1,067 8,941
770 31

* AMaNl'S IN THOOSANDS

- 65 -

DEPARTMENT OF BANKING & FINANCE STATE OF GEORGIA
ABSTRACT REPORT OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA AS OF DECEMBER 31, 1985
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1984 (Amounts in Thousands)

DEC. 31, ~,; TOTAL 1985 ASSETS

DEC. 31 % TOTAL

1984

ASSET~;

AI'10UNT

~/,

+ OR - + OR -

NO. OF CREDIT UNIONS NO. OF PRIMARY MEMBERS

159 41 $',923

1 ~,5
402,645

ASSETS

Ca sh & DemCi.nd De pCIS i t <;. $ 22,883

1 .5/; $ 25,333

2. O~< $. (2,450)

U.S. Go',! t . Obl igCi.tions

296,731 19. D::

181,514 14.5% 115,217

Corporate Cre d it Un i on s 215,478 13. $'%

165,558 13. 2/~ 4$',920

Other Lnv e s trne n t s

241 ,149

15 5~,.~

1$'1,115 15. 3~.~ 50,034

Net Loans

752, 2~,~, 48.4:';

670,438 53.5% 81 ,828

Fixed Assets Other A<;. <;;e t <;.

7,636 16,569

5/~
1.1~/'

5,844 12,201

5~/: 1 .0%

1 ,792 4,368

----------- ----- ----------- ----- ---------

TOTAL ASSETS

$1,552,712 100.0% $1 ,252,003 100.0% $300,709
----------- ---------- ----------- ----- ---------

-9.7%
~,3 5~/:
30.2% 26.2% 12.2/; 30. T/;
35.8% -----
24.0/; -----

LIABILITIES

Share Dra.of ts (Demand Depo<;;.i ts)
All Other De pc'<;; i t <;. Div./Int. Pa.yab 1e No t e s Payable Accounts Payable and
Other' Li ab i 1 ities

$ 67,937

4 . 4~/; $

50,030

4 . O~/; $ 17,907

35 . 8~'~

1,360,267

87.6% 1,083,011

8~, 5~/; 277, 25~,

7,568

5~/;

6,676

.5/';

892

23,437

1 . 5~/'

40,740

3.3/; ( 17 , 303)

2,439

.1%

2,414

Z/;

25

----------- ----- ----------- ----- ---------

25. t/-: 13.4/; -42. 5~/'
1.0%
-----

TOTAL LIABILITIES EQUITY CAPITAL

$1,461,648 94.1% $1 , 182,871 94.5% $278,777

23. 6~/'

----------- ----- ----------- ----- --------- -----

Member Sh ar e <;. Re<;;.erves Undivided Earnings
TOTAL EQUITY CAPITAL
TOTAL LIABILITIES AND EQUITY CAPITAL

$

4,818

3/~ $

1 ,981

.2% $ 2,837

48,182

3. 1/~

38,771

3. 1~~

9,411

38,064

2.5%

28,380

2.3;"';

9,684

----------- ----- ----------- ----- ---------

91,064

5.9%

69,132

5.5% 21,932

----------- ----- ----------- ----- ---------

$1 ,552, 71 2 100.0% $1,252,003 100.0~,:: $300,709
---------------------- ----- ----------- ----- ---------

143.2%
24.3%
34.1% -----
31.7% -----
24.0/; -- -- -- -- --

- 66 -

DEPARTMENT OF BANKING & FINANCE
STATE OF GEORGIA COMPARATIVE STATEMENT OF EARNINGS AND EXPENSE
OF STATE CREDIT UNIONS IN GEORGIA
FOR CALENDAR YEARS ENDING DECEMBER 31, 1985 AND DECEMBER 31,
(Amounts in Thousands)

1984

OPERATING INCOME

DEC. 31 % TOTAL DEC. 31 % TOTAL AMOUNT

%

1985 INCOME

1984 INCOME

+ OR - + OR -

---------- ----- ---------- ----- -------- -----

Interest on Loans

$

Income from Investments

Other Income

95,381 60,333
4,241

59.6% $ 37.7%
2.7%

83,389 55,354
2,751

58.9% $ 11 ,992

39.1%

4,979

1.9%

1 ,490

14.4; 9.0::-
54.2::-

TOTAL OPERATING INCOME $ 159,955 100.0% $ 141,494 100.0% $ 18,461

13.0::-

OPERATING EXPENSES

Empl . Compo & Benef i t s $ Office Expenses Ln t e r-e s t on Borrowed
Money Other Expenses

TOTAL OPERATING EXPENSES

INCOME BEFORE RESERVE

TRANSFERS &

$

SECURITIES GAINS/

LOSSES

Net Reserve Transfer

13,448 6,142 17 9,251
28,858
131,097
9,022

8.4% $ 3.8%
.0%
5.8"/.
18.0% $

11,833 5,110 3,661
8,162
28,766

82.0% $ 112,728

5.6%

6,282

8.4% $ 1 ,615

3. 6/~

1 ,032

2.6% (3,644)

13.6/: 20 2~/' -99.5/:

5.8%

1 ,089

1 3 . 3~/'

20.3% $

92

79.7% $ 18,369

16.3/:

4.4%

2,740

43.6%

INCOME BEFORE SECURI- $ 122,075 76.3% $ 106,446 75.2% $ 15,629 TIES GAINS/LOSSES

14.7%

Securities Gains/ Losses, Net

1,338

.8%

40

.0%

1,298 3245.0%

NET INCOME AVAILABLE $ 123,413 77.Z/. $ 106,486 75.3% $ 16,927 FOR DI VI DEI'l/DS

15.9%

Dividends/Interest on

111 ,220 69.5%

97,097 68.6% 14,123

14.5%

Shares & Deposits -------------------------------------------------------

NET INCOME RETAINED

12, 193

7.6% f

9,38<;'

6.6% f 2,804

29.9%

=======================================================

- 67 -

CITY canton
Conyers
Duluth Hiawassee Marietta
Tocooa

LIST CF STATE-aIARTERED~IN,;S AND WAN ASSOCIATIONS

COUNTY Cherokee
Rockdale
Gwinnett
'Ibwns
Cobb Stephens

~IE OF SAVINGS & LOAN
North <orgia Savings
and wan Association,
Inc.
Heritage Trust (Fonrerly Rockdale
savings and wan
Association)
Investors Trust savings and Loan Association
M:>untain Savings & wan
Cobb Savings and lDan Association
1st Franklin savings
s Loan Association

CHARTER DATE
3-29-79
8-14-81
1-17-84 11-08-83
1-13-81 3-15-84

BEX;IN
BUSINESS 5-31-79
9-27-83
5-03-84 12-08-84 11-01-82
7-23-84

TOTAL
ASSETS *
43,999
16,644
33,952 4,131
38,722 6,609

LIST CF STATE-CEiARTERED SAVIN,;S BANKS

Sandy Springs Fulton Winterville Clarke

~tro savings Bank (Fbnrerly Metro Savings
and wan Association)
Soothern Heritage savings Bank
(Fbnrerly Soothern
Heritage savings s wan)

1-19-84 6-01-84 4-02-85 10-25-85

35,534 4,587

* AMOONI'S IN TH<XJSANDS

- 68 -

StM1ARY OF ACTIVITIES OF STATE SAVINGS AND WAN ASSOCIATIrnS
METro SAVINGS AND WAN ASSOCIATIrn
Atlanta, G\ Amendnent of Articles of Incorporation, ~proved May 16, 1985
(1) Changed name fran fwEtro Savings and wan
Association to fwEtro savings Bank. (2) Changed the status of the Corporation fran a
State savings and wan Association to a State
savings Bank.
SmTRY' SAVINGS & WAN
Atlanta, G\ Issued a Pennit to Begin B.lsiness ~ril 24, 1985. Amendment of Articles of Incorporation, ~proved OCtober 4, 1985
(1) Changed name fran sentry savings & wan to
sentry Bank and Trust CoIrpany. (2) Changed the status of the Corporation fran a
State Savings and Wan Association to a State Bank. (3) Acquired full trust pcwers. ( 4) Olanged the registered office fran Atlanta to Roswell.
RCX::KDALE SAVINGS AND WAN ASSOCIATION
Conyers, G\ AmeI1dm:mt of Articles of Incorporation, ~proved ~ril 30, 1985.
(1) Changed name fran Rockdale savings am wan
Association to Heritage Trust. (2) Acquired full trust pcMers.
- 69 -

GEORGIA FIRST SAVINGS AND WAN ASSOCIATION
Gainesville, CA Issued a Pennit to Begin fusiness March 25, 1985. Alrendment of Articles of Incorporation, Approved December 5, 1985. (1) Changed name fran Georgia First savings and Loan Association to Georgia First Bank. (2) Changed the status of the Corporation fran a State savings and !Dan Association to a State Bank.
FIRST OJLUMBIA SAVINGS AND WAN ASSOCIATIOO
Martinez, GA Amendment of Articles of Incorporation, Approved June 28, 1985. (1) Changed name fran First Colmnbia savings and lDan Association to First Coltnnbia Bank. (2) Changed the status of the Corporation fran a State savings and !Dan Association to a State Bank.
SOUI'HERN HElUTAGE SAVINGS & WAN
Winterville, CA Articles of Incorporation, ppproved January 15, 1985. Alrendment of Articles of Incorporation, Approved October 24, 1985. (1) Changed name fran Southern Heritage savings & !Dan to Southern Heritage Savings Bank. (2) Change the status of the Corporation fran a State Savings and Loan Association to a State Savings Bank. Issued a Pennit to Begin fusiness October 24, 1985.
- 70 -

DEPAR'IMENT CF BANKING AND FINANCE STATE CF GEORGIA
ABSTRACT CF REPORl'S CF <nIDITICN OF STATE SAVINGS AND WAN ASSOCIATICNS AS CF DEX:EMBER 31, 1984
WI'Il:I <::n1PARATIVE STATEMEN!' AS CF DOCEMBER 31, 1984
*Dec. 31, 1985 *Dec. 31, 1984 6 Associations 8 Associations

Cash and due fran Depository Institutions securities Federal Funds Sold and securities Purchased Under
Agreerrents to Resell Gross loans and Lease Financing Receivables
Reserve for loan losses am Lease losses
Unearned Incx:rne
Net loans am Lease Financing Receivables
Savings & loan Premises, F\lrniture and Fixtures Other Real Estate Owned other Assets 'lUI'AL ASSETI'S
LIABILITIES
Demand Deposits of !PC - rarestic
T:ilre am Savings Deposits of !PC - Darestic
Deposits of U. S. Goverrment Deposits of S01 All Other Deposits certified and Officers' creeks Total Deposd,ts Other Liabilities TOl'AL LIABILITIES
E(JJI'lY CAPITAL
Comoon Stock Surplus Undivided Profits and Capital Reserves
'lUI'AL E(JJI'lY CAPITAL
TOl'AL LIABILITIES AND EUJI'lY CAPITAL

$ 12,709 10,843 16,530
96,665 (713) (870)
95,082 5,177 630 3,086
$144,057
$ 13,873 93,338 43 14,829 619 3,614
$126,316 4,789
$131,105
$ 4,950 8,279 (277)
$ 12,952
$144,057

* AMaNrs IN 'Il:IOOSANDS

$ 19,801 8,512
15,576
71,032 (l80) (804)
70,048 4,154 6 2,443
$120,540
$ 9,031 82,656 30 6,890 10 2,926
$101,543 2,584
$104,127
$ 6,581 9,229 603
$ 16,413
$120,540

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DEPAR'IMENr OF BANKIK; AND FINMO: STATE OF GEORGIA
COl-PARATIVE STATEMEN1' OF EARNINGS AND EXPEmES OF STATE SAVI~ AND WAN ASSCX:::IATICJ\IS IN GEORGIA
FOR CALENDAR YEARS ENDIK; DEX::EMBER 31, 1985 AND D:0cEM3ER 31, 1984

*Dec. 31, 1985 *Dec. 31, 1984 6 Associations 8 Associations

INI'EREST INCOME
Interest and Fees on roans Incane Fran lease Financing Interest on Balances with Depository
Institutions Income on Federal Funds Sold and securities
Purchased tmder Agreement to Resell Interest and Dividends From searrities
TOl'AL INI'EREST ~

$11,863 43
197
1,011
936 $14,050

s 7,009
0 423
1,160
585
s 9,177

INTEREST EXPENSE Interest on Deposits Expense of Federal Funds Purchased and securities Sold tmder Agreerrents to Repurchase Interest on Other lbrrowed r-bney Interest on 9Jbordinated l'btes and Debentures TOl'AL INTEREST EXPENSE

s 8,178
97
173 0
s 8,448

$ 5,033 61
6 0 $ 5,100

NE1' INI'EREST IN<n-1E

5,602

4,077

TC1l'AL NCI'lINTEREST INrnME

2,205

1,226

OVERHEAD EXPENSE
Salaries and Employee Benefd, ts
Net CCcupancy Expense of Savings & wan
Premises, Fbrniture and Fquipnent Expenses
Other l'bninterest Expenses
TOl'AL OJERHEAD EXPENSES

3,591 1,000
2,786 $ 7,377

2,542 781
1,822
s 5,145

PROVISICJ\I FOR WAN I.a3SES

627

142

SmJRITIES ~S CR UlSSES

0

6

NET CPERATING INCG1E BEFORE TAXES

(197)

22

APPLICABLE :rN<:no1E TAXES

132

7

NET CPERATING INCCl-1E AFI'ER TAXES

(329)

15

EXl'RAClIDINARY IN<n1E CR EXPENSES, NET
* AMCIJNTS IN 'IHOOSANOO

0 $ (329)

0
s 15

- 72 -

DEPAR'lMENl' OF BANKIN; AND FINANCE STATE OF GEORGIA
ABSTRAcr CF REPORTS OF <:nIDITIOO OF STATE SAVI~S BANKS AS OF DOCEMBER 31, 1985*

December 31, 1985** 2 Savings Banks

ASSEI'S

Cash and Due from Depository Institutions securities Federal Funds Sold and securities Purchased
Under Agreerrents to :Resell Gross Loans and lease Financing Receivables
:Reserve for loan lDsses and lease lDsses Unearned Incare rEt loans and lease Financing Eeceivables Savings & Loan Premises, furniture and Fixtures Other Real Estate Owned Other Assets
TOl'AL ASSEI'S

$ 6,177 3,544
1,660 27,441
(253) (16)
27,172
1,087
o
481 $ 40,121

LIABILITIES

Demand Deposits of IPC - Th:>mestic Time and Savings Deposits of IPC - D:xnestic Deposits of U. S. GoverIlItEl1t Depoai,ts of SCM All other Deposits CErtified and Officers' ~ks Total Leposits other Liabilities
TOI'AL LIABILITIES

$ 894 32,536
o
373 100
46 $33,949
2,007 $35,956

EUJITY CAPITAL

Cormon Stock Surplus Undivided Profits and capital Reserves
TaI'AL EQJITY CAPITAL

$ 2,180 2,297 (312)
$ 4,165

TOl'AL LIABILITIES AND ~ITY CAPITAL

$40,121

* THERE WERE 00 STATE SAVINGS BANKS CHARTERED AS CF DEx:::EMBER 31, 1984
* * AM:lJNTS IN TlDUS1\NOO

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DEPAR'lMENT OF BANKING AND FINANCE STATE OF GEORGIA
STATEMENT OF E1\RNINGS AND EXPENSES OF STATE 0iARTERED SAVINGS BANKS FUR
THE PERIOD ENDING DOCEMBER 31, 1985*

INTEREST IN<n1E
Interest am Fees on Loans
Incx:me Fran lease Financing Interest on Balances with Depository Institutions Incx:me on Federal Funds Sold and Securities Purchased
Under Agreement To Resell Interest and Dividends Fran Securities
TCYrAL INTEREST :IN<n1E

TCYrAL ASSErS**
$2,058
o
842 147
69 $3,116

INTEREST EXPENSE
Interest on Deposits Expense of Federal Funds Purchased and Securities Sold
Under llgreements to Repurchase Interest on other Borrowed MJney
Interest on SUbordinated Notes am Debentures
'1Ul'AL INTEREST EXPENSE

$2,138
o
3
o
$2,141

NEI' INTEREST IN<n1E

975

TCYrAL NJNINTEREST IN<..'G1E

39

OVERHEAD EXPENSE

Salaries and Employee Benefits

465

Net occupancy Expense of Savings & loan Premises,

225

Furniture and Equipnent EKpense

other Noninterest EKpenses

299

TCYrAL OVERHEAD EXPENSES

989

provISIrn FUR WAN IDSSES

260

SEOJRITIES GAINS CR IDSSES

o

NEI' CPERATIN:; IN<::n.1E BEFORE TAXES APPLICABLE INa:ME TAXES

(235)
o

NEI' CPERATIN:; IN<..'G1E AFI'ER TAXES EXTRAORDINARY INC<H: CR EXPENSES, NEI'

(235)
o

NEI' INCXlME

$ (235)

* THERE WERE ID STATE SA\llll;S BANKS rnARTERED N3 OF DECMBER 31, 1984 ** AM<XNl'S IN THOUSANDS
- 74 -

REGISTERED SAVIN3S & WAN HOLDING COMPANIES AND THEIR SUBSIDIARY SAVINGS & LOANS
December 31, 1985

HOIDING COMPANIES AND SUBSIDIARY SAVINGS & LOANS
FIRST LIBERTY FINANCIAL CORPORATION, Atlanta Liberty Federal savings and Loan Association, Macon
HOMEBANC FINANCIAL SERVICES, INC., Atlanta H::rne Federal Savings and Loan Association of Atlanta, Atlanta
BANKERS FIRST CX>RPORATICN, Augusta Bankers First Federal Savings and Loan Association Augusta
NOR'IH GECRGIA BANCSHARES, INC., canton lbrth <:eorgia Savings and Loan Association, canton
INVES'IQRS TRUST FINANCIAL CORroRATICN, Duluth Investors Trust Savings and Loan Association, IUluth
CSL FINANCIAL <DRPORATICN, Marietta Cbbb Savings and loan Association, Marietta
HABERSHAM FINANCIAL CORPORATICN, Peachtree City Habersham Federal Savings Bank, Cornelia
1st FRANKLIN CORroRATICN, Toccoa 1st Franklin Savings & Loan Association, Tocooa

APPROVED OR RffiISTERED
7-16-85 7-16-85
* 5-21-84 * 5-21-84
4-17-84 4-17-84
2-10-82 2-10-82
1-09-84 1-09-84
3-24-82 3-24-82
6-13-84 6-13-84
3-12-84 3-12-84

* ABANDCNED

- 75 -

FIRMS AUTHORIZED TO SELL CHW<S
UNDER THE GEORGIA SALE OF CHECKS ACT

(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 lDan Associations and State Credit Unions is included berei,n. A listing of Federal Savings and loan Associations, Federal Savings Banks, and Federal Credit Unions may be obtained fran the approprd.ate Federal regulato:ry agency; Le., Federal lbme loan Bank of Atlanta, National Credit Union Administration.

NAME

IOCATION

TarAL NO. OF GEORGIA AGENTS

1Irerican Express Travel Related

New York, NY

913

Services Company, Inc.

Associates Financial Express, Inc.

Dallas, TX

o

(Discontinued sales as of 12-31-85)

Atlanta Cash It ~re, Inc.
:sA Cheque Cbrporation & BankAmerican Corporation

Atlanta, ~

1

san Francisco, CA

295

Barclays Bank PIC

New York, NY

81

The Chase Manhattan Corporation

New York, NY

201

'!he Circle K Cbrporation

Phoenix, AZ

15

Citioorp & Citioorp Service, Inc.

Chicago, IL

281

Deak-Perera Georgia, Inc.

Atlanta, ~

o

First Security l-bney Orders, Inc.

Beaufort, sc

8

l-tmford, Inc.

Atlanta, ~

207

National M:>ney Orders, Inc.

lbuston, TX

26

Republic r-t:mey Orders, Inc.

Dallas, TX

488

Societe Francaise du Cheque

New York, NY

18

de Voyage

Thomas Cook, Inc.

Princeton, NJ

91

Travelers Express Conpany, Inc.

Minneapolis, MN

1,493

Travellers Oleque Associates Ltd.

New York, NY

54

- 76 -

GEORGIA CREDIT UNIOO DEPOSIT INSURAOCE CORPORATION STATEMmT OF ASSEI'S AND LIABILITIES

ASSETS
cash in Bank Investm:mts - Certificates of Deposits, etc. Due fran ~rs . Ole from Credit Unions in Liquidation . Fixed Assets Other Assets
'IUI'AL ASSETS

12-31-85

12-31-84

$ 19,159 6,688,389 17,726 6,773 20,045 83,322
$6,835,414

$ 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 - M:mbers I Paid-in Fees .
'IUI'AL LIABILITIES, RESERVES, CAPITAL

$ 11,936 4,280,066 -?,543,412 $6,835,414

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

- 77 -