Sixty-seventh annual report [1986]

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA ATLANTA
SIXTY-SEVENTH ANNUAL REPORT YEAR ENDING DECEMBER 31J 1986
****
E. D. "JACK" DUNN COMMISSIONER ROBERT M. MOLER
DEPUTY COMMISSIONER
~ * * *

TABLE OF CONTENTS

History of the Department

i

Summary of Condition and Structural Changes.

ii

Official Roster.

iv

Field Examiners.

v

Staff Photographs.

vi

District Map

xii

Receipts and Disbursements

xiii

Legal Holidays . . . . .

xiv

Summary of Activities of Banks:

Articles of Incorporation for Banks Approved. . . . .

1

Articles of Incorporation for Interim Banks Approved.

1

Articles of Incorporation for Bank Disapproved. . . .

1

Conversions of State-Chartered Banks to National Banks . . . . . . . 1

Merger of National Bank into State-Chartered Bank . . . . .

2

Applications to Convert to a State-Chartered Bank Approved.

2

Permits Issued for Banks to Begin Business.

2

Permission Granted to Exercise Trust Powers

2

Mergers of State-Chartered Banks into National Banks.

3

Applications for Consolidations and/or Mergers Approved

3

Bank Offices/Facilities Approved but Unopened

6

Miscellaneous Applications to Amend Articles

of Incorporation Approved

7

Branch Banks as of December 31, 1986.

8

State Banks in Liquidation.

11

Banks and Bank Office Additions and Deletions during 1986

12

TABLE OF CONTENTS (Continued)

List of State and National Banks

18

Abstract of Reports of Condition - Banks

30

Comparative Statement of Earnings and Expenses - Banks

33

Registered Bank Holding Companies and Subsidiary Banks

36

Bank Holding Companies Deregistered/Dissolved.

48

Applications Approved for Bank Holding Company

Subsidiaries to Merge Across County Lines .

49

International Bank Agencies . .

51

International Bank Facilities.

52

Representative Offices of International Banks.

53

Representative Offices of Domestic Banks . . .

54

Summary of Activities of State-Chartered Credit Unions:

Charter Applications Approved . . . .

57

Applications for Voluntary Liquidations and/or Mergers . . . . . . . 57

Summary of Additions and Deletions during 1986.

57

Receivership Liquidations .

58

List of State-Chartered Credit Unions.

59

Abstract Report of Condition - Credit Unions

63

Comparative Statement of Earnings and Expense - Credit Unions.

64

List of State-Chartered Savings and Loan Associations.

65

List of State-Chartered Savings Banks

65

Summary of Activities of State Savings and Loan Associations:

Amendments of Articles of Incorporation Approved . . . . . .

65

Abstract of Reports of Condition - Savings and Loan Associations . . . . 67

IABLE OF CONTENTS (Continued)

Comparative Statement of Earnings and Expense -

Savings and Loan Associations

....

68

Abstract of Reports of Condition - State Savings Banks

69

Comparative Statement of Earnings and Expense - State Savings Banks.

70

Firms Authorized to Sell Checks -Authorized by Commissioner

Sale of Checks Act. .

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

71

Georgia Credit Union Deposit Insurance Corporation

Statement of Assets and Liabilities . . . . . .

72

HISTORY OF THE DEPARTMENT
1919 . . . . . . . . 1986
The Department of Banking and Finance was created by the Executive Reorganization Plan of 1972 as successor to the Depart-
ment of Banking. The original Department of Banking was created by Act of the Legislature in 1919 con-
current with the enactment of The Banking Law which deals with the incorporation of banks and the regulation of the business of banking. Since the establishment of the Department in 1919,
additional responsibilities have been assigned to the agency in the form of the Georgia Credit Union Act (1925); Trust Company Laws of Georgia (1927); Georgia Sale of Checks Act (1965): Regulated Certificated Bank Act (1966); The Fiduciary
Investment Company Act (1970); International Bank Agency Act (1972); and Georgia Business Development Corporation Act (1972). The Executive Reorganization Plan of 1972, in addition to changing the name of
the Department, provided for the Department to be headed by a Commissioner as successor to the former Superintendent of Banks and transferred to the Department the supervision of State-chartered building and loan associ-
ations. All of the foregoing Acts were subject to substantial recodification in the form of the Financial Institutions Code of Georgia (1974) which became effective April l, 1975. Provisions of Title 7 of the Code of Georgia relating to Branch Banking and Bank Holding Companies were substantially amended effective July l, 1976 to permit multi-bank holding companies under Departmental supervision. The Georgia Credit Union Deposit Insurance Corporation (GCUDIC) was established pursuant to a 1974 Act of the General Assembly under the supervision of the Department. GCUDIC insures deposits of certain Statechartered credit unions and building and loan associations. Most recently, bank holding companies have been permitted to expand within a ten state southeastern region under
the Department 1 s supervision.
-i -

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1986

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 310 state-chartered banks, 57 national banks, one national trust company, 156 state-chartered credit unions, three state-chartered savings and loan associations, one state-chartered savings bank, and 18 licensed money order companies operating in this State, and other statistical information made available through the examination, investigation and licensing of financial in st i tut ions and others under the supervision of the Department of Banking and Finance. The purpose of this report, required by Section 7-1-74 of the Official Code of Georgia Annotated, is to provide factual and statistical information that might prove useful to the financial industry and may be used by individuals and
financial institutions who might be engaged in economic studies or might otherwise be interested.

BANKING DIVISION

The year-end call reports reflect a continuation of sound economic growth in the banking system. Total assets for the 367 national and state-chartered banks amounted to $51,431,132,000 reflecting an increase of $4,302,113,000 or 9.13% over 1985 assets. Figures do not include trust companies.

Expansion of State-chartered banks through new banks, bank offices and facilities continued. An additional ten banks and 52 banking offices and facilities opened during 1986. Twenty offices closed or merged into national banks bringing the total
of such offices to 537.

During 1986, the Department approved 56 applications by bank holding companies and four applications for savings and loan
association holding companies, for permission to acquire controlling interest in additional Georgia banks, bank holding companies or savings and loan associations. Twenty-four of
these applications were approved to establish new bank holding companies.

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

Trust activities continue to be conducted principally by bank trust departments and there is one separately chartered trust company. Other depository financial institutions exercise limited trust powers in connection with individual retirement accounts authorized by the Emp 1oyee Retirement Income Security Act of 1976 enacted by Congress.

Articles of Amendment of Articles of Incorporation were approved for one bank to increase its outstanding capital stock. The Department approved ten Articles of Amendment creating authorized but unissued shares to be issued in the future. Fifteen banks were granted permission to issue authorized but unissued shares through stock dividends or sales. Amendments

- ii -

BANKING DIVISION (Continued) THRIFT INSTITUTIONS DIVISION
SALE OF CHECKS ACT
OTHER INSTITUTIONS

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1986 (Continued)
were approved for one bank to change the par value of its shares, for eight banks to change their names, and for one bank to acquire trust powers. Permission was granted for two banks to issue subordinated securities.
Credit Unions operating under state charter have experienced steady growth during 1986. Consolidated financial and statistical reports of the 156 state-chartered credit unions reflect an increase in total assets of $373,554,000 or 24.1% to a total of $1,926,266,000. All state-chartered credit unions provide their members with deposit protection through the National Credit Union Administration or the Georgia Credit Union Deposit Insurance Corporation.
Total assets of three state-chartered savings and loan associations as of December 31, 1986, were $94,174,000 and one state-chartered savings bank was $15,120,000. All such institutions carry either federal or private deposit insurance.
At year-end the Georgia Credit Union Deposit Insurance Corporation had total resources of $8,039,103 and insured deposits of 121 credit unions and three savings and loan associations having total insured deposits of $992,328,131.
The Department of Banking and Finance supervises the licensing of check sellers pursuant to the Georgia Sale of Checks Act enacted in 1965. Eighteen companies with a total of 4,060 agents throughout the State were licensed to do business under the Act during 1986.
The Department is charged with the responsibility of supervising the operations of Bank Data Processing Cooperatives, Fiduciary Investment Companies and Business Development Corporations. There is one business development corporation but no fiduciary investment companies currently operating.

- iii -

OFFICIAL ROSTER

E. D. DUNN
Commissioner
ROBERT M. MOLER, CFE Deputy Commissioner

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

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

Bank~, Int~knat~onai Bank Ag~nc~~~, TkU~t~

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

Ck~d~t Un~on~, Bu~id~ng and Loan A~~oc~at~on~, Ch~ck S~ii~k~

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

Cookd~natok fiok Tka~n~ng, Educat~on Act~v~t~~~

and EVP Op~kat~on~

Georgia G. High

Assistant Deputy Commissioner

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

Exam<.nat~on R~pokt R~v~~w, Hoid~ng Compan~~~, R~iocat~on~, M~kg~k~

and Oth~k Appi~cat~on~, s~cuk~t~~~ Appkovai~,

Con~um~k Afifia~k~, T~chn~cai and L~gai

Melinda G. Kinard

......

. . . . . . Senior Financial Examiner

Cookd~natok fiok EVP Act~v~t~~~

Barbara Moore . .

Accountant

Dianne Blackstone

...........

Programmer

V~pakt~ntai Sy~t~m~ Adm~n~~tkat~on and Pkogtmmm~ng

Jeannie Benefield . . . . . . . . . . . . . . Administrative Assistant for Banks

Vickie Busby . . . . . . . . . . . . . . . Administrative Assistant for Thrifts

CokpOkat~ Matt~k~, Con~um~k Afifia~k~, P~nd~ng Appi~cat~on~,

V~paktm~ntai Buii~t~n, Exam~nat~on R~pokt R~v~~w,

Stat~~t~cai R~pokt~, T~chn~cai and L~gai

Maggie Smith

Personnel Manager

P~k~onn~i

Sonja Hencely

Secretary to Commissioner/Deputy Commissioner

Appo~ntm~nt~, Confi~k~nc~~ and S~m~nak~, Infiokmat~on,

Fokm~ and Appi~cat~on~

Vicki Allemand.

Principal Clerk

Tammye Bogus

Secretary Typist

Susan Brown . .

Principal Secretary

Regina Buchanan

.Senior Secretary Typist

Renate Carroll.

.. Accounting Technician

Irene Cox . . .

Senior Secretary Typist

Marilyn Fuller

Principal Secretary

Terry Glover

.... Senior Clerk

Marilou Harvey

Principal Secretary

Darlene Hayes

Secretary Typist

Bonnie Steele .

Principal Clerk

- iv -

DISTRICT NORTHWEST

DISTRICT DIRECTOR Jackson D. Hardy

NORTHEAST

David A. Hancock

CENTRAL

C. Douglas Peugh

EAST CENTTRAL

Robert H. Callier

SOUTHWEST SOUTHEAST

Robley S. Rigdon Norman E. Mimbs

FIELD EXAMINERS

SENIOR EXAMINERS

EXAMINERS

ASSISTANT AND SENIOR ASSISTANT EXAMINERS

William D. Atkins James M. Brooks
George A. Reynolds
Harry M. Brown John H. Pennell, II Barry L. Rooks Emory L. Stanford Gary F. Ford Hubert C. Miller
Larry T. Duke R. Larry Herndon D. Ray Johnston Michael A. Rosser James F. Mills Jane M. Whitfield Billy S. Wilson, Jr.

James R. Emory Victor A. Greene Larry J. Moody
Princess Brown Michael G. Killeen Jenny L. Neville Ned W. Overby Robert J. Rosentreter Tracy D. Whitesides
Billie L. Reed Kevin M. Sharpe Sandra Sheley
Vicki L. Brantley Dianne Hickman Michael F. Hooks
Eugene S. Cline Joyce R. Jones John F. Sutphin, III
Ernest D. Coats George S. Keaveney Sarah B. ocain David T. Widincamp

Benjamin Blasingame Robert M. Braswell Elizabeth Carrier Clarence Ford Ronald F. Furukawa Louis Randy Jones
M. Janet Blackmon Lori A. Binford M. Joel Byers Harold J. Carney Gordon G. Flippo Brett P. Johnson
Danny D. Adkins Mayra Barzaga James D. Garrett Angela E. Ruddick
Gary E. Fields C. Todd Hollis William J. Mobley Steve H. Powe 11 Timothy C. Thompson
Wendy S. Banks Gregory S. Bell Kenneth D. Dawson Gregory 0. Lowe
Patrick T. Brahana 0. Jean James Ricky Watkins

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

...
Danny D. Atkins

William D. Atkins

Wendy S. Banks

Mayra Barzaga

Gregory S. Bell

Jeannie Benefield

Lori A. Binford

M. Janet Blackmon

Dianne Blackstone

Benjamin Blasingame

Tammye Bogus

Patrick T. Brahana

Vicki L. Brantley

Robert M. Braswell

Princess Brown

vU

Susan Brown

,,... James M. Brooks ~~"R .'
~L . ~. , ~
Regina Buchanan

Vickie Busby

M. Joel Byers

Robert H. Callier

Harold J. Carney

Elizabeth Carrier

Renate Carroll

Eugene S. Cline

Ernest D. Coats

Irene Cox

Kenneth D. Dawson

Larry T. Duke

Gary E. Fields

Gordon G. Flippo

Gary F. Ford

Marilyn Fuller

Ronald F. Furukawa

viii

James D. Garrett

David A. Hancock

Jackson D. Hardy

Marilou Harvey

Darlene Hayes

Sonja Hencely

R. Larry Herndon

Dianne Hickman

C. Todd Hollis

Michael F. Hooks

0. Jean James

D. Ray Johnston

Joyce R. Jones

Louis Randy Jones

George S. Keaveney

Michael G. Killeen
ix

Melinda G. Kinard

Gregory 0. Lowe

Grace M. Lurry

Hubert C. Miller

James F. Mills

William J. Mobley

Larry J. Moody

Larry S. Moor

Barbara Moore

Jenny L. Neville

Sarah B. O'Cain

Wayne M. Orr

Ned W. Overby

John H . Pennell, II

C. Douglas Peugh

Steve H . Powell

Billie L. Reed

George A. Reynolds

Robley S. Rigdon

- - }:

Barry L. Rooks

Angela E. Ruddick

Kevin M. Sharpe

Sandra Sheley

Ralph J. Shire

C. Craig Smith

Maggie Smith

David G. Sorrell

Bonnie Steele

John F. Sutphin, III

Timothy C. Thompson

Ricky Watkins

Tracy D. Whitesides

Jane M. Whitfield

David T. Widincamp

Billy S. Wilson, Jr.
xi

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

(; .)-.
1-

4 East Central District Dublin/ Laurens
5 Southwest District Albany/Dougherty

6 Southeast District Douglas/ Coffee Savannah/ Chatham

c ~r

~u.,.

/
I

r/

L0 ... "1DE5

~
-----------l....-

F

L

0

R

xii

--'--

D

A

RECEIPTS AND DISBURSEMENTS FISCAL YEAR 1986

REVENUES COLLECTED
Bank Examination and Supervision Fees New Bank, Bank Office and Holding Company
Investigation Fees Credit Union Examination and Supervision Fees Sale of Checks Investigation and License Fees Building and Loan Examination, Supervision and
Investigation Fees Holding Company Examination and Supervision Fees Miscellaneous Fees and Fines

3,365,045.00
361,675.00 379,525.00 12,934.00
47,883.00 170,500.00
5,325.38

Total Revenues Collected and Remitted to Fiscal Division,

Department of Administrative Services

4,342,887.38

DISBURSEMENTS

Personal Services Motor Vehicle Expense Supplies and Materials
Repairs and Maintenance Travel Expense Motor Vehicle Equipment Purchase Printing Equipment Purchases Office Rent Computer Communications Miscellaneous

3,514,170.30 67,534.23 34,232.87
7,550.24 236,073.56 137,652.89 12,345.57
14,893.82 150,247.92 136,822.57 33,322.80
53,046.96

Total Disbursements

4,397,893.73

NET REVENUES OVER DISBURSEMENTS

(55,006.35)

- xiii -

LEGAL HOLIDAYS - 1986

January 1 . . . . . . . . . . . . . . . . . . . . . . . . . . New Year's Day

January 19

Martin Luther King, Jr.'s Birthday

January 19

. . . . . Robert E. Lee's Birthday (Observed Fourth Friday in November)

February 22 . . . . . . . . . . .

George Washington's Birthday

(Observed Third Monday in February)

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

May 30 . . . . . . . . . . . . . . . . . . . . .

National Memorial Day

(Observed Last Monday in May)

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

First Monday in September . . . . . . . . . . . . . . . . . . . . Labor Day

October 12 . . . . . .

. Columbus Day

(Observed Second Monday in October)

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

Fourth Thursday in November . . . . . . . . . . . . . . . . Thanksgiving Day

December 25 . . . . . . . . . . . . . . . . . . . . . . . . . Christmas Day

(Whenever a public and legal holiday 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 Monday was observed as a public and legal holiday.)

- xiv -

ARTICLES OF INCORPORATION FOR BANKS APPROVED

NAME OF BANK

LOCATION

APPROVED

The Buckhead Bank Peoples Bank of Fannin County
Lanier Bank &Trust Company
Bank Atlanta
Citizens &Merchants State Bank
Cobb American Bank and Trust Company First Peoples Bank of Cobb County The Bank of Newnan
Central Gwinnett Bank Crossroads Bank of Georgia

Atlanta Blue Ridge Cumming
Decatur Douglasville Marietta
Marietta Newnan Norcross Perry

2-25-86 5-23-86 6-12-86 7-24-86 5-27-86 7-31-86
1-10-86 9-16-86
3-14-86 6-12-86

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

NAME OF BANK

LOCATION

APPROVED

Villa Rica Interim Bank Citizens Interim Bank The Interim Citizens Bank of Toccoa The New Bank of Toccoa B.O.W. Interim Bank

Atlanta Tifton Toccoa Toccoa Wrightsville

2-27-86 3-19-86 8-18-86 3-27-86 3-04-86

ARTICLES OF INCORPORATION FOR BANK DISAPPROVED

NAME OF BANK

LOCATION

DISAPPROVED

Chase American Bank, Inc.

Cordele

1-21-86

CONVERSIONS OF STATE-CHARTERED BANKS TO NATIONAL BANKS

NAME OF BANK

LOCATION

APPROVED

Citizens DeKalb Bank to First Union National Bank
of Georgia

Clarkston

4-01-86

The Peoples Bank to The First National Bank of White County

Cleveland

11-17-86

First South Bank to First South Bank, National Association

Fort Valley

3-17-86

Trust Company Bank of South Georgia to Trust Company Bank of South Georgia, National Association; merged w/into Trust Company Bank of South Georgia, National Association

Sylvester Albany

1-17-86

- 1-

MERGER OF NATIONAL BANK INTO STATE-CHARTERED BANK

NAME OF BANK

LOCATION

APPROVED

EFFECTIVE

First National Bank of Folkston
into Southern Bank

Folkston Waycross

3-12-86

5-01-86

APPLICATIONS TO CONVERT TO A STATE-CHARTERED BANK APPROVED

NAME OF BANK

LOCATION

APPROVED

EFFECTIVE

North Georgia Bank (formerly North Georgia Savings and Loan Association, Inc.)

Canton

10-22-86

10-24-86

Investors Bank & Trust (formerly Investors Savings and Loan Association)

Duluth

8-21-86

8-22-86

Mountain Bank of Georgia (formerly Mountain Savings & Loan)

Hiawassee

3-28-86

3-28-86

Metro Bank

Sandy Springs 5-19-86

(formerly Metro Savings Bank)

6-02-86

PERMITS ISSUED FOR BANKS TO BEGIN BUSINESS

NAME OF BANK

LOCATION

ISSUED

The Buckhead Bank Georgia Bankers Bank Peoples Bank of Fannin County
Lanier Bank &Trust Company
The Bank of Spalding County
Community Bank &Trust Company

Atlanta Atlanta Blue Ridge Cumming Griffin Mableton

3-27-86 1-31-86 7-30-86 10-07-86 12-04-86 4-24-86

OPENED
4-01-86 2-03-86 8-01-86 10-07-86 12-05-86 4-28-86

PERMISSION GRANTED TO EXERCISE TRUST POWERS

NAME OF BANK

TYPE

The Merchants and Farmers Bank

Full

of Milledgeville

Milledgeville

APPROVED 2-13-86

- 2-

MERGERS OF STATE-CHARTERED BANKS INTO NATIONAL BANKS

NAME OF BANK

LOCATION

EFFECTIVE

Baxley State Bank

Baxley

into Trust Company Bank of Southeast

Georgia, National Association

Brunswick

12-31-86

Fannin County Bank into The Citizens and Southern National Bank

Blue Ridge Savannah

8-31-86

Forsyth County Bank into The First National Bank of Atlanta

Cumming Atlanta

12-15-86

Bank of Midville into The First National Bank of Louisville

Midville Louisville

12-31-86

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED

NAME OF BANK

LOCATION

ACTIVITY APPROVED

Bank of Worth County, Survivor and
Trust In~erim Corporation of Worth County

Sylvester) (
)
Atlanta (

Merger

1-08-86

Farmers and Merchants Bank, Survivor and
Washington/Wilkes Corporation

Washington) (
Washington)

Merger

3-20-86

First State Bank &Trust Company,
Survivor,
and First State Bank and Trust Company
in Leesburg

Albany )
(
)
(
Leesburg)

Merger 3-24-86

- 3-

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED (Continued)

NAME OF BANK

LOCATION

ACTIVITY APPROVED

Citizens DeKalb Bank, Survivor
and Queen City Special Company GA

Clarkston)
( Clarkston)

Merger

3-24-86

First American Bank and Trust Company, Survivor and
FAB &T Interim Corporation

Athens)
(
) Athens(

Merger 4-02-86

The Tattnall Bank, Survivor and
Tattnall Interim, Inc.

Reidsville) (
Reidsville)

Merger

4-09-86

Citizens Bank, Survivor and
Interim Citizens Corporation

Warrenton) (
Warrenton)

Merger

4-11-86

Citizens Bank of Americus, Survivor and
Bank of Webster

Americus)
( Preston )

Merger 4-22-86

Planters Bank, Survivor and
Planters Interim Company

Hawkinsville) ( Merger
Hawkinsville)

5-27-86

Columbus Bank and Trust Company,
Survivor and
Bank of Manchester

Columbus )
(
)
Manchester(

Merger

6-04-86

Bank of Coweta, Survivor and
CBTB, INC

Newnan )
(
Columbus)

Merger 6-04-86

Georgia Central Bank, Survivor and
Georgia Central Interim, Inc.

Social Circle) ( Merger
Socia1 Ci rc 1e)

8-12-86

Bank of Villa Rica, Survivor and
Villa Rica Interim Bank

Villa Rica)
(
Villa Rica)

Merger

8-15-86

First State Bank of Blakely, Survivor
and Blakely Interim, Inc.

Blakely)
(
)
Blakely)

Merger 8-25-86

- 4-

APPLICATIONS FOR CONSOLIDATIONS AND/OR MERGERS APPROVED (Continued)

NAME OF BANK

LOCATION

ACTIVITY APPROVED

Spivey State Bank, Survivor and
Spivey Interim, Inc.

Swainsboro) (
Swainsboro)

Merger 8-27-86

Citizens Bank and Trust of West Georgia, Survivor and
Carroll County Financial Corporation Insurance West Agency, Inc. West Georgia Financial Corporation West Georgia Bank of Tallapoosa

)
Carrollton( )
Columbus ( Villa Rica) Columbus ( Tallapoosa)

Merger 8-27-86

Bank of Coweta, Survivor
and First American Bank

Newnan

)

( Merger

Warm Springs)

9-04-86

Southeastern Bank, Survivor and
Jeff Davis Bank

Folkston ) (
Hazlehurst)

Merger 10-16-86

Bank of Waynesboro, Survivor and
Queen City Waynesboro Corporation

Waynesboro) (
Atlanta )

Merger 11-12-86

International City Bank, Survivor and
ICB Interim, Inc.

Warner Robins) ( Merger 11-25-86
Warner Robins)

B.O.W. Interim Bank, Survivor and
Bank of Wrightsville

Wrightsville) ( Merger 11-25-86
Wri ghtsvi 11 e)

First State Bank &Trust
Company, Survivor
and Citizens Bank

)
Albany ( )
Cuthbert(

Merger 12-02-86

The Coastal Bank, Survivor
and Southern Bank and Trust Company

Hinesville) (
Savannah )

Merger 12-03-86

Bank of Wadley, Survivor and
Interim Louisville Corporation

Wadley) (
Wadley)

Merger 12-08-86

Cairo Banking Company, Survivor and
Bank of Meigs, Meigs

Cairo) (
Meigs)

Merger 12-08-86

The Interim Citizens Bank of Toccoa and
The Citizens Bank of Toccoa

Toccoa) (
Toccoa)

Merger 12-12-86

- 5-

BANK OFFICES/FACILITIES APPROVED BUT UNOPENED AS OF DECEMBER 31, 1986

PARENT BANK

LOCATION

NAME OF BANK OFFICE FACILITY

LOCATION

Heritage Bank

Alpharetta

Facilities Kroger Store #123 Kroger Store #242

Atlanta Atlanta

First Georgia Bank Atlanta

Lawrenceville Office

Lawrenceville

Perimeter Center Office Atlanta

Trust Company Bank Atlanta

Buckhead Plaza Office Atlanta

Citizens Bank

Ball Ground Bells Ferry Office

Acworth

Peoples Bank of Fannin County

Blue Ridge Ingles Supermarket Bank Facility

Blue Ridge

Cairo Banking Company Cairo

Thomasville Office

Thomasville

Columbus Bank &
Trust Company

Columbus

Main Street Village Facility

Columbus

First Bank of Conyers Conyers

Fieldstone Office

Conyers

Hardwick Bank &
Trust Company

Dalton

Tunnell Hill Office

Dalton

First State Bank of Gilmer County

Ellijay

Ingles Supermarket Facility

Ellijay

Bank South, Fitzgerald Fitzgerald East Pine Street Office Fitzgerald

Southeastern Bank

Folkston

South Camden Office

Kingsland

Commercial Bank &
Trust Company

Griffin

Commercial Bank Mortgages Facility

Fayetteville

Bank of Banks County Homer

Maysville Facility

Maysville

Mcintosh State Bank Jackson

Piggly Wiggly Super-

Jackson

market Bank Facility

Trust Company Bank Jonesboro of Clayton County

North Riverdale Office Riverdale

Commercial Exchange Kennesaw Bank

Marietta Office

Marietta

American Bank of

Kingsland

Southeast Georgia

St. Marys Office

St. Marys

Citizens Banking Company

Lexington Community Facility I

Crawford

Central Bank of Georgia

Macon

Kroger Store #244 Facility
- 6-

Macon

BANK OFFICES/FACILITIES APPROVED BUT UNOPENED AS OF DECEMBER 31, 1986 (Continued)

PARENT BANK The Chattahoochee
Bank

LOCATION Marietta

NAME OF BANK OFFICE OR FACILITY
Kennestone Banking Center Office

LOCATION Marietta

Richland Banking Company

Richland

Richland Banking Company Lumpkin Lumpkin Facility

Tri-County Bank of Royston

Royston

Carnesville Office

Carnesville

Spivey State Bank

Swainsboro

Piggly Wiggly Supermarket Office
Meadowlake Parkway Facility

Swainsboro Swainsboro

MISCELLANEOUS APPLICATIONS TO AMEND ARTICLES OF INCORPORATION APPROVED

NAME OF BANK

LOCATION

NATURE OF AMENDMENT

APPROVED

The Citizens Bank of Ashburn Ashburn

Change name to
First South Bank of Turner County

9-25-86

Northeastern Banking Commerce Company

Change name to Community Bank & Trust - Jackson

3-17-86

Cornelia Bank

Cornelia

Change name to
Community Bank & Trust - Habersham

3-17-86

Fort Oglethorpe State Fort

Change name to

Oglethorpe Capital Bank

3-10-86

State Bank of Kingsland

Kingsland

Change name to American Bank of Southeast Georgia

7-22-86

The Peoples Bank of Lyons Lyons, Georgia

Change name to Peoples Bank

2-26-86

The Citizens and Southern Bank of Milledgeville

Milledgeville Change name to The Central and Southern Bank of Georgia

2-12-86

Rossville Bank

Rossville

Acquire full Trust Powers

12-08-86

Bank of Worth County Sylvester

Change name to Trust Company Bank of South Georgia

1-17-86

- 7-

BRANCH BANKS AS OF DECEMBER 31, 1986

NAME OF BANK

CHARTER COUNTY

First State Bank &Trust Company
Albany

Dougherty

Security Bank and Trust Company of Albany Albany

Dougherty

Trust Company of Bank South Georgia, National Association Albany

Dougherty

Heritage Bank Alpharetta

Fulton

Citizens Bank of Americus Americus

Sumter

Trust Company Bank of Northeast Georgia, National Association
Athens

Clarke

Bank South, National Association Atlanta

Fulton

First Georgia Bank Atlanta
The First National Bank of Atlanta Atlanta

Fulton Fulton

The National Bank of Georgia Atlanta

Fulton

Trust Company Bank Atlanta

Fulton

The Georgia Railroad Bank &Trust Company Richmond
Augusta

Trust Company Bank of Augusta, National Association Augusta

Richmond

BRANCH COUNTIES Clay, Decatur, Lee, Randolph Miller
Mitchell, Thomas, Worth
DeKalb, Gwinnett
Webster
Morgan
Chatham, Clarke, Clayton, Cobb, DeKalb, Forsyth, Gwinnett, Spalding Cobb, DeKalb Gwinnett, Haralson Bartow, Bibb, Clayton, Cobb, DeKalb, Forsyth, Gwinnett, Hall, Macon, Houston, Richmond, Sumter Clayton, Cobb, DeKalb, Gwinnett Cayman Islands, Cherokee, DeKa 1b Columbia, Wilkes
McDuffie

- 3-

NAME OF BANK

BRANCH BANKS - CONTINUED
CHARTER COUNTY

American National Bank of Brunswick Brunswick
Trust Company Bank of Southeast Georgia, National Association Brunswick
Cairo Banking Company Cairo
Citizens Bank and Trust of West Georgia Carrollton
Cohutta Banking Company Chatsworth
Columbus Bank and Trust Company Columbus

Glynn Glynn
Grady Carroll Murray Muscogee

The First National Bank of Columbus Columbus
The First National Bank of Dalton Dalton
Fidelity National Bank Decatur
Southeastern Bank Folkston
First South Bank, National Association Fort Valley
Commercial Bank &Trust Company
Griffin
Citizens Community Bank Hahira
The Coastal Bank Hinesville
The First National Bank of Louisville Louisville

Muscogee Whitfield DeKalb Charlton Peach Spalding Lowndes Liberty Jefferson

- 9-

BRANCH COUNTIES
Appling, Wayne
Ware, Wayne
Thomas
Haralson
Walker
Chattahoochee, Macon, Marion, Meriwether Chattahoochee
Gordon
Fulton
Brantley, Camden, Jefferson Davis Johnson, Macon
Fayette, Henry Pike Brooks
Chatham, Long
Burke

NAME OF BANK

BRANCH BANKS - CONTINUED
CHARTER COUNTY

Bank South, Macon Macon
Trust Company Bank of Middle Georgia, National Association Macon
Bank of Coweta, Newnan Newnan
Trust Company Bank of Northwest Georgia, National Association Rome
Roswell Bank Roswell
The Citizens and Southern National Bank Savannah

Bibb Bibb Coweta Floyd Fulton Chatham

Southern Bank

Ware

Waycross

BRANCH COUNTIES
Monroe
Houston
Meriwether
Polk
DeKalb
Bartow, Ben Hill, Bibb, Butts, Clarke, Clayton, Cobb, Colquitt, Coweta, Decatur, DeKalb, Dougherty, Douglas, Effingham, Fannin, Fayette, Floyd, Fulton, Gwinnett, Hart, Henry, Houston, Laurens, Lowndes,Polk, Richmond, Thomas,Tift, Troup, Upson,Whitfield
Charlton

- 10 -

STATE BANKS IN LIQUIDATION

NAME OF BANK

LOCATION

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

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

Peoples Banking Co.

Boston

Unpaid Claims due FDIC
Estimated Value of Remaining Unliquidated Assets

Toney Brothers Bank

Doerun

Receivership terminated - December 12,1986

DATE CLOSED 10-08-76 05-20-77 03-17-81 01-05-79

DEPOSITORY
NA $2,699,254 $ 503,274*
NA $3,804,285 $ 241,859*
NA $1,176,015 $ 81,601*
NA

* The value of rema1n1ng assets is only an estimate due to future economic conditions, liquidation, collections, and other factors that could change the appraised value substantially. The values are used primarily for a guide in determining the present status of the particular liquidation or receivership.

- 11 -

BANKS AND BANK OFFICE ADDITIONS AND DELETIONS DURING 1986

STATE CHARTERED
BANKS

IN OPERATION JANUARY 1, 1986 .................. .

318

BANKS OPENED DURING YEAR

+10

The Buckhead Bank Atlanta (4-01-86)
Georgia Bankers Bank Atlanta (2-03-86)
Peoples Bank of Fannin County Blue Ridge (8-01-86)
North Georgia Bank Canton (10-24-86)
Lanier Bank & Trust Company
Cumming (10-08-86)
Investors Bank & Trust
Duluth (8-22-86) The Bank of Spalding County
Griffin (12-05-86) Mountain Bank of Georgia
Hiawassee (3-28-86)
Community Bank & Trust Company
Mableton (4-28-86) Metro Bank
Sandy Springs (6-02-86)

BANKS DELETED BY MERGERS

AND/ OR CONVERSIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

- 17

Baxley State Bank Baxley (12-31-86)
Fannin County Bank Blue Ridge (8-31-86)
Citizens DeKalb Bank Clarkston (4-01-86)
The Peoples Bank Cleveland (11-17-86)
Forsyth County Bank Cumming (12-15-86)
Citizens Bank Cuthbert (12-31-86)
First South Bank Fort Valley (3-17-86)
Jeff Davis Bank Hazlehurst (10-18-86)
First State Bank and Trust Company in Leesburg Leesburg (5-30-86)
Bank of Manchester Manchester (6-30-86)

- 12 -

BRANCHES BANK OFFICES & FACILITIES
505

BANKS AND BANK OFFICE ADDITIONS AND DELETIONS (CONTINUED)
STATE CHARTERED
BANKS
BANKS DELETED BY MERGERS AND/CONVERSIONS (CONTINUED) . . . . . . . . . . . . . . .
Bank of Meigs Meigs (12-15-86)
Bank of Midville Midville (12-31-86)
Bank of Webster Preston (5-27-86)
Southern Bank and Trust Company Savannah (12-22-86)
Trust Company Bank of South Georgia (formerly Bank of Worth County) Sylvester (1-17-86)
West Georgia Bank of Tallapoosa Tallapoosa (9-30-86)
First American Bank Warm Springs (11-14-86)
BANK OFFICES, BRANCHES, AND FACILITIES OPENED DURING YEAR ................................. .
First State Bank & Trust Company, Albany
Cuthbert Branch, Cuthbert (12-31-86) Leesburg Branch, Leesburg (5-30-86) South Slappey Office, Albany (3-24-86) Security Bank and Trust Company of Albany, Albany Northwest Office, Albany (9-25-86) Heritage Bank, Alpharetta Five Oaks Office Lawrenceville (2-05-86) Kroger Store #298 Facility Atlanta (1-13-86) Kroger Store #318 Facility Atlanta (8-26-86) Kroger Store #334 Facility Norcross (3-13-86) Kroger Store #354 Facility Stone Mountain (5-08-86) Citizens Bank of Americus, Americus Preston Branch, Preston (5-27-86) Ashburn Bank, Ashburn East Ashburn Office, Ashburn (11-10-86)
- 13 -

BRANCHES BANK OFFICES
& FACILITIES
+52

BANK AND BANK OFFICE ADDITIONS AND DELETIONS (CONTINUED)
STATE CHARTERED
BANKS
BANK OFFICES, BRANCHES, AND FACILITIES OPENED (CONTINUED) . . . . . . . . . . .
Citizens Trust Bank, Atlanta Kroger Store #295 Facility Atlanta (7-10-86)
First Georgia Bank, Atlanta Powers Ferry/Wildwood Office Marietta (1-13-86)
Georgia Railroad Bank & Trust Company,
Augusta Walton's Corner Office Augusta (3-10-86) Cairo Banking Company, Cairo Meigs Branch, Meigs (12-15-86) Citizens Bank, Cairo Market Street Facility, Cairo (12-30-86) Etowah Bank, Canton East Cherokee Office, Woodstock (3-10-86) North Georgia Bank, Canton Woodstock Office, Woodstock (10-24-86) Citizens Bank and Trust Company of West Georgia, Carrollton Ingles Supermarket Facility Carrollton (3-05-86) Tallapoosa Office, Tallapoosa (9-30-86) Columbus Bank and Trust Company, Columbus Manchester Branch, Manchester (6-30-86) Warm Springs Office Warm Springs (11-14-86) Trust Company Bank of Rockdale, Conyers Fieldstone Office, Conyers (9-19-86) Honey Creek Office, Conyers .(2-03-86) The Peoples Bank of Forsyth County, Cumming Midway Office, Alpharetta (12-29-86) Merchants and Farmers Bank, Donalsonville Lake Seminole Office Donalsonville (10-15-86) The Commercial Bank, Douglasville Fairburn Road Office Douglasville (5-19-86) Kroger Facility Location #6 Douglasville (10-20-86) Bank of Dudley, Dudley Piggly Wiggly Supermarket Office East Dublin (9-23-86)

BRANCHES BANK OFFICES
& FACILITIES

- 14 -

BANK AND BANK OFFICES ADDITIONS AND DELETIONS (CONTINUED)

STATE CHARTERED
BANKS

BANK OFFICES, BRANCHES, AND FACILITIES OPENED

(CONTINUED)

...........

Fairburn Banking Company, Fairburn Ingles Supermarket Bank Facility Union City (6-25-86)
Southeastern Bank, Folkston Hazlehurst Branch, Hazlehurst (10-18-86)
Monroe County Bank, Forsyth Piggly Wiggly Supermarket Facility, Forsyth (3-04-86)
Capital Bank, Fort Oglethorpe Ringgold Office, Ringgold (5-05-86)
Commercial Bank & Trust Company, Griffin
Stockbridge Office, Stockbridge (9-22-86) The Coastal Bank, Hinesville
Savannah Branch, Savannah (12-22-86) Citizens State Bank, Kingsland
Lakeside Office, St. Marys (2-10-86)
Commercial Bank & Trust Company of
Troup County, LaGrange Kroger Oftice (Kroger Store #339 LaGrange (3-20-86) Trust Company Bank of Gwinnett County Lawrenceville Peachtree Industrial/Berkely Lake Office Lawrenceville (7-09-86) Snellville Office, Snellville (9-10-86) Peoples Bank, Lyons Vidalia Office, Vidalia (5-06-86) Central Bank of Georgia, Macon Kroger Store #328 Facility, Macon (8-08-86) Kroger Store #355 Facility, Macon (8-08-86) First Columbia Bank, Martinez Piggly Wiggly Supermarket Office Martinez (4-29-86) Bank of Coweta, Newnan Luthersville Branch, Luthersville (11-14-86) The Patterson Bank, Patterson Bonneyman Office, Patterson (8-01-86) Tara State Bank, Riverdale Jonesboro Office, Jonesboro (6-21-86) The Georgia State Bank of Rome, Rome Armuchee Office, Rome (3-20-86) Bank of Thomson, Thomson Washington Road Office Thomson (9-08-86)

- 15 -

BRANCHES
BANK OFFICES
& FACILITIES

BANK AND BANK OFFICES ADDITIONS AND DELETIONS (CONTINUED)

STATE CHARTERED
BANKS

BANK OFFICES, BRANCHES, AND FACILITIES OPENED

(CONTINUED) . . . . . .

.....

Park Avenue Bank, Valdosta Francis Lake Office, Lake Park (1-02-86)
Brice Banking Company, Vidalia Vidalia Plaza Office, Vidalia (5-08-86)
Southern Bank, Waycross Folkston Branch, Folkston (5-01-86)
Bank of Barrow, Winder Winder Square Office, Winder (9-26-86)

BANK OFFICES, BRANCHES, AND FACILITIES DISCONTINUED DURING YEAR ................................ .

First Georgia Bank, Atlanta Rockbridge Office, Norcross (12-15-86)
Trust Company Bank, Atlanta Belvedere Office, Decatur (6-27-87) Perimeter Center Trust Office Atlanta (12-12-86)
Fannin County Bank, Blue Ridge Valley Village Facility Blue Ridge (8-31-86)
Citizens DeKalb Bank, Clarkston Clarkston Village Office Clarkston (4-01-86) Chapel Square Office Decatur (4-01-86) Gresham Office Atlanta (4-01-86) Redan Road Office Stone Mountain (4-01-86) Suburban Plaza Office Decatur (4-01-86)
The Peoples Bank, Cleveland Helen Office, Helen (11-17-86)
Forsyth County Bank, Cumming Ingles Supermarket Bank Facility Cumming (12-15-86) McFarland Road Facility Alpharetta (12-15-86)
The Exchange Bank, Douglas The Exchange Bank Office Douglas (12-31-86)
Capital Bank, Fort Oglethorpe Boynton Office, Ringgold (5-05-86)

- 16 -

BRANCHES BANK OFFICES
& FACILITIES
-20

BANK AND BANK OFFICES ADDITIONS AND DELETIONS (CONTINUED)
STATE CHARTERED
BANKS
BANK OFFICES, BRANCHES, AND FACILITIES DISCONTINUED DURING YEAR CONTINUED . . . . . . .
First South Bank, Fort Valley Marshallville Branch Marshallville (11-16-86) Wrightsville Branch Wrightsville (11-16-86)
Bank of Quitman, Quitman Lee Street Facility, Quitman (8-22-86)
Trust Company Bank of South Georgia Sylvester West End Office, Sylvester (1-17-86) Warwick Office, Warwick (1-17-86)
First American Bank, Warm Springs Luthersville Bank Office Luthersville (11-14-86)

In Operation December 31, 1986 ............ .

311

(Includes Reliance Trust Company, Atlanta)

BRANCHES BANK OFFICES
& FACILITIES
537

- 17 -

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN BUSINESS

NO.

TOTAL

OFF. ASSETS**

Abbevi 11 e
Ada i rsvi 11 e Adel
Ai 1ey Alamo Alapaha Albany
A11 en town Alma
....... Alpharetta
CP
Americus
Arlington Ashburn
Athens
Atlanta

Wilcox

Dorsey State Bank

10-04-1972 10-04-1972 0

1,685

Wilcox County State Bank

4-22-1952 4-22-1952 1

11' 510

Bartow

*Bank of Adairsville

3-21-1899 3-24-1899 1

18,105

Cook

Adel Banking Company

2-27-1929 3-01-1929 1

26,732

Farmers and Merchants Bank

12-11-1947 1-15-1948 0

19,403

Montgomery Montgomery County Bank

2-24-1926 3-01-1926 1

25,726

Wheeler

Wheeler County State Bank

1-15-1945 1-17-1945 1

12,913

Berrien

Bank of Alapaha

3-04-1905 3-25-1905 2

28,324

Dougherty First State Bank &Trust Company

3-31-1961 3-31-1961 10 265,377

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

93,999

*Trust Company Bank of South Georgia,

National Association

190,706

Wilkinson The Four County Bank

8-18-1941 9-15-1941 0

15,548

Bacon

Alma Exchange Bank &Trust

7-28-1981 7-28-1981 2

32,107

*The First National Bank of Alma

8-30-1985 8-30-1985

33,506

Fulton

First Colony Bank

7-30-1984 1-18-1985 0

32,974

Heritage Bank

9-23-1970 3-04-1971 30 236,891

Sumter

Citizens Bank of Americus

2-20-1937 3-25-1937 3

57,337

Sumter Bank and Trust Company

10-01-1973 10-28-1974 2

59,382

Calhoun

Bostwick Banking Company

8-27-1935 3-01-1936 0

12,724

Turner

Ashburn Bank

7-03-1900 7- -1900 2

50,575

First South Bank of Turner County

7-27-1905 10-25-1905 0

24,368

Clarke

First American Bank and Trust Company

9-24-1949 11-01-1949 3 102,897

*Trust Company Bank of Northeast

Georgia, N.A.

253,149

Fulton

*Bank South, National Association

2,728,633

The Buckhead Bank

2-28-1986 4-01-1986 0

34,892

*Citizens Trust Bank

7-12-1921 8-17-1921 3

88,941

*First Georgia Bank

3-22-1934 4-02-1934 36 942,764

*The First National Bank of Atlanta

7,386,918

Cobb

*Georgia Bankers Bank

11-18-1985 2-03-1986

70,103

Fulton

*The National Bank of Georgia

1,682,955

The Prudential Bank and Trust Company

7-20-1945 9-04-1945 0

84,791

*NCNB National Bank of Georgia

185,082

*Trust Company Bank

9-21-1891 11-08-1891 56 5,752,649

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

LIST OF STATE AND NATIONAL BANKS (Continued)

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

Augusta
Bainbridge Ball Ground Barnesville
Barwick Baxley Blackshear
Blairsville
Blakely
1-' Blue Ridge \D Bowdon
Braselton Brooklet Broxton Brunswick
Buchanan Buford Butler Byron Cadwell Cairo
Calhoun Camilla

Richmond
Decatur Cherokee Lamar
Brooks Appling Pierce
Union
Early
Fannin Carro 11 Jackson Bulloch Coffee Glynn
Haralson Gwinnett Taylor Peach Laurens Grady
Gordon Mitchell

*Trust Company of Augusta,

National Association

*Georgia Railroad Bank &Trust Company

11-15-1892 12-31-1892 22

The First Port City Bank

4-03-1974 10-07-1974 0

Citizens Bank

9-28-1926 10-01-1926 2

*The First National Bank of Barnesville

United Bank

4-14-1971 6-01-1972 1

Barwick Banking Company

2-16-1967 6-01-1967 0

Peoples State Bank &Trust

5-04-1966 7-01-1966 0

*The Blackshear Bank

7-07-1892 7-07-1892 0

Peoples Bank

8-01-1946 8-05-1946 0

*First National Bank of Union County

1-04-1982 1-04-1982

Union County Bank

2-18-1949 3-01-1950 1

Bank of Early

4-03-1941 4-28-1941 0

First State Bank of Blakely

5-06-1937 5-15-1937 1

Peoples Bank of Fannin County

5-27-1986 8-01-1986 0

Trust Company Bank of Carroll County

9-22-1926 9-22-1926 2

Braselton Banking Company

12-13-1948 12-18-1948 0

Farmers & Merchants Bank

2-04-1948 2-17-1948 1

Broxton State Bank

8-04-1966 9-01-1966 0

*American National Bank of Brunswick

The Coastal Bank of Georgia

7-22-1981 10-30-1981 4

*Trust Company Bank of Southeast Georgia,

National Association

*The First National Bank of Haralson County

The Peoples Bank of Buford

12-20-1983 12-13-1984 0

The Citizens State Bank

9-04-1926 9-04-1926 0

Middle Georgia Bank

10-30-1962 2-04-1963 1

Farmers State Bank

8-23-1972 8-23-1972 1

Cairo Banking Company

11-23-1903 11-23-1903 2

Citizens Bank

12-03-1903 1-01-1904 1

*First National Bank of Grady County

*The Calhoun First National Bank

Bank of Camilla

11-04-1889 1-02-1890 0

Planters &Citizens Bank

9-20-1904 5-24-1913 0

291 '213 846,795
42,750 57,037 44,641 34,215 3,888 20,687 20,055 26,829 17,958 75,260 28,935 35,994
11 '953 53,298 4,524 28,910 17,525 181,357 64,586
305' 013 42,768 31,137 27,685 42,920 15,469 46,518 12,742 36,108 118,460 35,740 46,782

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

CITY
Canton
Carnesville Carrollton
Cartersville Cave Spring Cedartown Chatsworth
Chester N Chickamauga 0 Clarkesville
Clarkston Claxton
Clayton
Cleveland
Cobbtown Cochran Colquitt Columbus
Comer

COUNTY Cherokee
Franklin Carroll
Bartow Floyd Polk Murray Dodge Walker Habersham DeKalb Evans Rabun White Tattnall Bleck ley
Mi 11 er Muscogee
Madison

LIST OF STATE AND NATIONAL BANKS (Continued)

NAME OF BANK

CHARTER DATE

Bank of Canton Etowah Bank North Georgia 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 *First Union National Bank of Georgia The Claxton Bank
Tippins Bank &Trust Company
Bank of Clayton Rabun County bank *The First National Bank of White County
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 Merchants and Farmers Bank of Comer,
Georgia

11-17-1892 1-22-1927 3-27-1979 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 4-01-1986 2-24-1941 8-30-1940 10-18-1984 5-01-1974 11-17-1986 12-02-1975 6-24-1970 4-24-1942 12-22-1921 3-16-1973 12-14-1888
10-03-1935

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

12-18-1982 2 1-29-1927 4 5-31-1979 1 8-01-1960 1 8-01-1972 1
07-01-1947 8 12-01-1909 2
3-28-1974 3 12-02-1985 3 6-15-1967 0
1-24-1906 4
9-26-1966 'l 5-10-1910 1 5- -1904 2 4-01-1986 0 2-24-1941 2 9-03-1940 1 10-18-1984 1 10-10-1975 1 11-17-1986 0 10-29-1976 2 6-24-1970 0 7-01-1942 0 1-05-1922 0 10-19-1973 2 4-01-1989 18

117,064 113,789 50,750 37,610 26,635 66,378 97,869 87,808 47,044
37' 213 8,897 58,255 82,744 36,549 10,36 28,825 111,071 45,951 36,386 20,833 91,657 25,357 92,630 55,861 5,255 21,012 31,090 24,550 724,765 412,889

213,989

10-10-1935 2

21,702

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

LIST OF STATE AND NATIONAL BANKS (Continued)

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

Commerce

Jackson

*The First National Bank of Commerce
Community Bank &Trust - Jackson

11-17-1981 5-28-1982 0

Conyers

Rockdale

First Bank of Conyers Trust Company Bank of Rockdale

11-17-1969 6-24-1970 2 10-15-1891 6- -1901 4

Coolidge

Thomas

Farmers and MerchantsBank of of Thomas county

12-18-1911 11-20-1911 1

Cordele

Crisp

Cordele Banking Company

5-13-1927 6-15-1927 1

First State Bank and Trust Company

in Cordele

12-31-1984 12-31-1984 1

Cornelia

Habersham Community Bank &Trust - Habersham
*First National Bank of Habersham

7-03-1900 8-04-1900 4 9-14-1979 9-15-1979 0

Covington

Newton

The Bank of Covington

4-10-1901 4-10-1901 1

*First National Bank of Newton County

Crawford

Oglethorpe The Commercial Bank

Crawfordville Taliaferro The Peoples Bank

Cumming

Forsyth

Lanier Bank &Trust Company

N
I-'

The Peoples Bank of Forsyth County

Cuthbert

Randolph

First State Bank of Randolph County

Dahlonega

Lumpkin

Bank of Dahlonega

9-02-1924 9-05-1924 0
12-08-1947 1-02-1948 0 10-06-1986 10-08-1986 0 12-20-1983 7-23-1984 1 12-31-1958 1-02-1959 1 5-27-1914 5-27-1914 1

Lumpkin County Bank

5-06-1981 12-14-1982 0

Dallas

Paulding

The Citizens Bank, Dallas, Georgia

7-23-1962 3-15-1963 3

*The First National Bank of Paulding County

Dalton

Whitfield The Bank of Dalton

10-30-1979 12-26-1979 2

*The First National Bank of Dalton

Hardwick Bank &Trust Company

2-17-1922 2-20-1922 3

Dan i e1svi ll e Darien Dawson

Madison Mcintosh Terrell

Bank of Danielsville The Darien Bank Bank of Dawson Bank of Terrell

12-11-1904 1-15-1908 1 12-08-1888 1-24-1889 1 6-29-1911 7-01-1911 0 3-23-1936 5-01-1936 1

Dawson vi 11 e

Dawson

Dawson County Bank

7-01-1953 7-13-1953 1

Decatur Dexter

DeKalb Laurens

*Fidelity National Bank The Knight State Bank

1-30-1967 2-01-1967 0

Donalsonville Seminole

Commercial State Bank

10-21-1938 12-16-1938 1

Merchants and Farmers Bank

9-24-1925 9-24-1925 2

57,244 29,150 62,414 138,958
11' 290 45,303
43,176 84,670 84,260 124,137 58,231 19,241 20,901 12,970 43,075 24,704 85,298 15,618 52,762 86,486 75,485 288,485 177,029 18,253 28,609 44,811 46,520 28,344 140,497 10,846 30,086 23,337

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

CITY Douglas

COUNTY Coffee

Douglasville Douglas

Dublin

Laurens

Dudley Duluth

Laurens Gwinnett

Eastman

Dodge

Eatonton

Putnam

Edison

N N

Elberton

Calhoun Elbert

Ellaville Ellijay

Schley Gilmer

Fairburn Fayetteville

Fulton Fayette

Fitzgerald

Ben Hi 11

Folkston Forsyth

Charlton Monroe

Fort Oglethorpe Catoosa

Fort Valley

Peach

Franklin

Heard

LIST GF STATE AND NATIONAL BANKS (Continued)

NAME OF BANK

CHARTER DATE

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
Investors Bank &Trust
Bank of Eastman
Citizens Bank &Trust Company Farmers & Merchants Bank
The Peoples Bank The Bank of Edison *First National Bank of 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
The Farmers Bank Monroe County Bank Capital Bank The Citizens Bank *First South Bank, National Association The Bank of Heard County

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 1-17-1984 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 3-09-1910 11-02-1908 12-04-1963 12-14-1906 3-17-1986 10-14-1905

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

7-01-1931 0 5-11-1971 0 7-05-1945 2 5-01-1942 5 6-24-1974 1 5-09-1960 3 7-06-1910 3 10-02-1958 1 11- -1905 1 4-16-1984 0 5-22-1984 0 1-02-1919 0 4-01-1949 2 11-15-1922 0 5-01-1944 0
1904 0
8-31-1984 3 9-16-1910 0 6-01-1914 1 8-29-1974 0 7-16-1984 2 3-13-1906 2 11-12-1984 0 4-15-1976 1 7-19-1948 1 9-30-1981 4
1910 0 10-15-1908 1 8-07-1964 2 1-01-1907 1 3-17-1986 0 10-18-1905 0

41,141 35,552 98,032 107,616 18,484
88,727 103,794 58,468 24,848 39,304 35,590 45,674 43,247 44,569 34,672 24,866 88,503 88,556 19,296 69,927 32,492 54,794 86,198 31,269 48,268 43,785 81,216 24,956 36,918 34,087
41,610 54,595
16,566

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

LIST OF STATE AND NATIONAL BANKS (Continued)

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

Gainesville

Hall

The Citizens Bank

5-19-1913 6- -1913 4

*The First National Bank of Ga i nesvill e

*Georgia First Bank

4-24-1984 3-25-1985 0

Gibson

Glascock

Bank of Gibson

11-07-1905 11-27-1905 0

Glennville

Tattnall

First Citizens Bank

12-31-1942 1-04-1943 1

The Glennville Bank and Trust Company

1-12-1905 1-18-1905 1

Gordon

Wilkinson The Gordon Bank

6-08-1946 8-01-1946 0

Gray

Jones

Bank of Gray

8-23-1909 8-28-1909 0

Greensboro

Greene

Bank of Greensboro

10-13-1926 10-14-1926 0

Citizens Union Bank

3-09-1946 4-01-1946 1

Greenville

Meriwhether The Greenville Banking Company

10-24-1887

-1891 0

Griffin

Spalding

The Bank of Spalding County

11-12-1986 12-05-1986 0

Commercial Bank &Trust Company

10-11-1889 10-09-1890 11

*First National Bank of Griffin

Haddock

Jones

Jones County Bank

7-14-1905 7-25-1905 0

wN Hahira

Lowndes

Citizens Community Bank Commercial Banking Company

2-12-1927 2-21-1927 1 1-29-1945 4-05-1945 0

Harlem

Columbia

Bank of Columbia County

11-29-1909 12-13-1909 1

Hartwell

Hart

Bank of Hartwell

5-15-1961 11-09-1961 1

Hawkinsville Pulaski

Planters Bank

2-27-1896 3- -1896 1

The Pulaski Banking Company

7-20-1949 8-27-1949 0

Hazlehurst

Jeff Davis Bank of Hazlehurst

10-19-1906 10- -1906 0

Hiawassee

Towns

Bank of Hiawassee

6-14-1909 7-21-1909 1

*Mountain Bank of Georgia

11-08-1983 12-07-1984 0

Hi nesvi 11 e

Liberty

The Coastal Bank

7-09-1970 7-09-1970 3

The Hinesville Bank

9-04-1911 11-15-1911 2

Hogansville

Troup

The Citizens Bank

11-30-1961 12-11-1961 0

Homer

Banks

Bank of Banks County

6-25-1974 12-28-1974 0

Homervi 11 e

Clinch

Empire Banking Company

3-01-1945 6-01-1945 0

Irwinton

Wilkinson Wilkinson County Bank

7-16-1907 7-16-1907 0

Jackson

Butts

Mcintosh State Bank

2-14-1964 9-18-1964 0

Jasper

Pickens

Jasper Banking Company

1-17-1945 3-12-1945 0

Pickens County Bank

8-25-1976 6-18-1977 0

Jefferson

Jackson

*The First National Bank of Jackson County

Jeffersonville Twiggs

Peoples State Bank

12-10-1969 12-10-1969 0

98,839 473,611
17,159 4,405
29,586 36,131 16,997
30,011 40,101 46,142 15,598 6,476 215,073 86,065 3,038
21,777 11,942
31,777 34,323 37,557
35,444 24,030 51,541
7,707 57,522 65,026 17,375 24,741 27,595
15,607 35,213 59,854 32,772 38,497 8,033

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

CITY
Jonesboro Kennesaw Kingsland
LaFayette LaGrange

Lakeland Lavonia Lawrenceville

Leary

Lenox

Lexington

N
+:--

Lincolnton

Lithonia

Loganville

Loui svi 11 e

Lumber City

Lumpkin

Lyons

Mableton

Macon

Madison Manchester Mansfield Marietta
Martinez

COUNTY
Clayton Cobb Camden
Walker Troup
Lanier Franklin Gwinnett
Calhoun Cook Oglethorpe Lincoln DeKalb Walton Jefferson Telfair Stewart Toombs Cobb
Bibb
Morgan Meriwether Newton Cobb
Columbia

LIST OF STATE AND NATIONAL BANKS (Continued)

NAME OF BANK

CHARTER DATE

Trust Company Bank of Clayton County

10-06-1903

Commercial Exchange Bank

1-10-1985

American Bank of Southeast Georgia

11-26-1912

Citizens State Bank

7-28-1981

The Bank of LaFayette, Georgia

11-13-1889

The Bank of Troup County

6-06-1984

Commercial Bank &Trust Company of

Troup County

7-08-1941

Trust Company Bank of Troup County

3-30-1984

Farmers and Merchants Bank

4-08-1907

Northeast Georgia Bank

9-20-1940

*The Brand Banking Company

6-02-1905

Trust Company Bank of Gwinnett County

1-11-1971

Jordan Banking Company

12-30-1965

Bank of Lenox

6-20-1907

Citizens Banking Company

2-07-1949

Farmers State Bank

9-26-1911

The Peoples Bank

8-26-1910

Bank of Loganville

5-06-1946

*The First National Bank of Louisville

Bank of Lumber City

5-22-1945

Farmers State Bank

10-21-1911

Peoples Bank

5-04-1935

Community Bank &Trust Company

6-12-1985

Georgia State Bank

9-15-1981

Bank South, Macon

6-09-1960

Central Bank of Georgia

10-12-1982

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

Bank of Madison

12-26-1888

F &M Bank and Trust Company

10-07-1947

Alcovy Banking Company

12-19-1945

The Chattahoochee Bank

9-09-1983

*The First National Bank of Cobb County

First Columbia Bank

7-01-1985

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

11-17-1903 5 7-29-1985 0 12- -1912 0 7-28-1981 1
1889 2 12-15-1984 0

108,573 17,281 12,254
10,180 75,226 20,808

9-15-1941 3 3-30-1984 2
1907 0 9-23-1940 2 7-17-1905 2 9-16-1971 9 1-03-1966 0 6-25-1907 1 3-10-1949 0 12-02-1911 0
1910 1 10-05-1946 0
7-02-1945 0 12- -1911 1 6-01-1935 2 4-28-1986 0 3-03-1982 8 7-01-1960 7 2-01-1983 6
1-01-1890 0 2-21-1948 1 3-01-1946 1 11-15-1983 0
7-01-1985 1

61,724 54,594 32,476 46,257 123,629 142,198
5,179 10,283 15,448 31,262 41,740 18,424 50,360 7,972
11' 491 29,770 20,982 178,682 236,785 71,885 428,849 28,341 15,689 10,711
77' 289 541,125 29,911

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

LIST OF STATE AND NATIONAL BANKS (Continued)

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

McDonough

Henry

Founders Guaranty Bank

3-21-1984 8-04-1984 1

*Trust Company Bank of Henry County,

National Association

McRae

Telfair

The Merchants & Citizens Bank
The Security State Bank

3-28-1929 3-28-1929 0 8-23-1972 8-26-1972 0

Metter

Candler

Metter Banking Company Pineland State Bank

7-25-1930 8-26-1935 0 12-27-1961 10-15-1962 0

Milan

Telfair

Mi 11 edgevi 11 e Baldwin

Bank of Milan

12-05-1906 10- -1906 0

The Central and Southern Bank of Georgia 2-28-1874 10-13-1884 1

Exchange Bank

5-20-1903 6-01-1903 2

The Merchants and Farmers Bank of

Mi 11 edgevi 11 e

3-22-1898 3- -1898 1

Mi 11 en

Jenkins

Bank of Millen Ogeechee Valley Bank

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

Molena

Pike

Bank of Molena

10-07-1901 10-07-1901 0

N Monroe
Vl

Walton

First American Bank of Walton *The National Bank of Walton County

1-01-1906 1-01-1906 2

Monticello

Jasper

Bank of Monticello

2-08-1964 2-10-1964 0

*Bank South, Jasper County,

National Association

Moultrie

Colquitt

American Banking Company

8-13-1971 10-01-1971 1

*Moultrie National Bank

Mount Vernon Montgomery Mount Vernon Bank

12-21-1900 1-24-1901 0

Nashville

Berrien

The Citizens Bank The United Banking Company

2-19-1943 3- -1943 1 7-10-1924 7-15-1924 1

Newington

Screven

Bank of Newington

7-07-1919 8-14-1919 0

Newnan

Coweta

Bank of Coweta

2-11-1972 10-06-1972 4

*First National Bank in Newnan

Newton Nicholls

Baker Coffee

Baker County Bank Nicholls State Bank

10-04-1906 10-15-1906 0 12-02-1952 1-02-1953 0

Norcross

Gwinnett *First Security National Bank

Oci 11 a

Irwon

The Bank of Ocilla, Georgia

9-20-1956 10-01-1956 0

The First State Bank of Ocilla

5-11-1943 6-01-1943 1

Omega

Tift

South Georgia Banking Company

4-15-1970 4-15-1970 1

Palmetto

Fulton

First Fulton Bank and Trust

6-29-1918 7-10-1918 2

19,360
86,455 21,438 20,759 45,305 17,643 11' 213 119,108 71,084
52,753 28,627 14,835 7,667 74,939 83,479 22,103
28,374 49,213 104,798 27,108 25,242 20,487 6,453 80,262 90,194 11 '608 17,845 15,129 30,852 25,711 35,078 38,884

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

LIST OF STATE AND NATIONAL BANKS (Continued)

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

Patterson

Pierce

The Patterson Bank

6-19-1907 6-19-1907 1

Pavo

Thomas

Pavo State Bank

6-24-1971 6-24-1971 0

Peachtree City Fayette

*Peachtree National Bank

Pearson

Atkinson

The Citizens Exchange Bank

1-19-1943 5-12-1945 0

Pelham

Mi tche 11

Pelham Banking Company

12-04-1936 12-08-1936 0

Pembroke

Bryan

The Pembroke State Bank

12-29-1937 2-11-1938 1

Perry

Houston

The Bank of Perry

8-20-1889

1889 1

*Bank South, Houston County

National Association

Pine Mountain Harris

Farmers and Merchants Bank

3-22-1909 4-19-1909 2

Pineview

Wilcox

Pineview State Bank

9-20-1910 9-20-1910 0

Pitts

Wilcox

Pitts Banking Company

6-02-1906 6- -1906 0

Quitman

Brooks

Bank of Quitman

12-26-1888 12-31-1888 1

*The Citizens National Bank of Quitman

Reidsville

Tattnall

The Tattnall Bank

9-14-1900 10-22-1900 1

N Reynolds

Taylor

The Citizens State Bank

9-08-1922 9-08-1922 0

Cl' Rhine

Dodge

Williams Banking Company

8-04-1947 10-01-1947 0

Richland

Stewart

Richland Banking Company

10-13-1927 10-15-1927 0

Ringgold

Catoosa

Northwest Georgia Bank

4-08-1983 2-08-1984 4

Riverdale

Clayton

Tara State Bank

2-07-1983 3-17-1984 1

Roberta

Crawford

United Bank of Crawford

1-07-1901 1-08-1901 0

Rochelle

Wilcox

Rochelle State Bank

7-08-1947 8-01-1947 0

Rome

Floyd

The Georgia State Bank of Rome

4-02-1976 1-05-1978 2

*The National City Bank of Rome

*Trust Company Bank of Northwest Georgia,

National Association

Rossville

Walker

Rossville Bank

7-01-1963 12-13-1963 2

Roswe 11

Fulton

Roswell Bank

3-01-1901 3- -1901 6

Sentry Bank and Trust Company

2-10-1984 4-24-1985 0

Royston

Franklin

Tri-County Bank of Royston

8-09-1941 9-01-1941 1

Rutledge

Morgan

Bank of Morgan County

9-24-1898 10-01-1898 1

St. Marys

Camden

*First National Bank of Camden County

9-13-1985 9-13-1985 0

First South Bank of Camden County

5-07-1973 5-07-1973 0

Sandersville Washington Citizens Bank of Washington County

1-06-1965 5-03-1965 1

The Geo. D. Warthen Bank

3-18-1957 3-18-1957 1

12,682 7,650
11' 089 12,475 27,973 37,078 47,233
59,258 40,036 7,494 7,245 23,479 20,765 37,808 15,679 10,688 10,529 71,644 46,807 18,982 7,685 43,719 196,170
193,432 57,532 142,552 41,709 52,624 17,777 27,230 12,757 31,337 47,387

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

LIST OF STATE AND NATIONAL BANKS {Continued}

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

Sandy Springs Fulton

Metro Bank

1-19-1984 6-01-1984 0

48,332

Sardis

Burke

Bank of Sardis

4-27-1945 7-02-1945 0

8,153

Savannah

Chatham

*AmeriBank, National Association

4-30-1985 0

42,963

The Carver State Bank

4-29-1947 6-04-1947 1

17,694

*The Citizens and Souther~ National Bank

10,550,562

First Bank of Savannah

7-29-1909 8-04-1909 6 140,030

*Savannah Bank and Trust Company of

Savannah

3-04-1869 7-01-1869 12 512,925

*Trust Company of Georgia Bank of Savannah,

National Association

280,158

Senoia

Coweta

Farmers and Merchants Bank of Senoia

3-02-1874

1889 2

15,746

Smyrna

Cobb

*Smyrna Bank &Trust Co.

2-28-1985 12-23-1985 0

26,873

*Trust Company Bank of Cobb County,

National Association

248,571

Social Circle Walton

Georgia Central Bank

12-31-1923 3-08-1924 1

26,462

N Soperton

Treutlen

The Bank of Soperton

7-16-1906 7-16-1906 0

25,145

-...J Sparta

Hancock

Bank of Hancock County

10-18-1904 9-05-1904 0

32,003

United Security Bank

5-10-1976 5-10-1976 0

6,136

Stapleton Statesboro

Jefferson Bulloch

Bank of Stapleton
First Bulloch Bank &Trust Company

3-20-1916

1916 0

1-19-1934 4-14-1934 3

11' 233 108,951

Sea Island Bank

3-11-1901

1901 2

95,403

Stockbridge

Henry

The First State Bank

9-21-1964 10-08-1964 2

71,972

Summerville

Chattooga

Farmers &Merchants Bank

2-05-1926 2-06-1926 3

74,364

Swainsboro

Emanuel

The Central Bank

10-27-1920 11-09-1920 1

31,383

The Citizens Bank of Swainsboro

11-10-1900

1900 1

46,886

Spivey State Bank

8-27-1964 3-01-1965 0

41,345

Sylvania

Screven

Bank of Screven County

4-10-1911 5-01-1911 0

45,640

Farmers and Merchants Bank

2-18-1946 3-01-1946 1

39,665

Sylvester

Worth

Sylvester Banking Company

7-05-1898 7- -1898 1

37,812

Talbotton

Talbot

The Peoples Bank of Talbotton

12-09-1890 1-13-1891 0

15,376

Tallapoosa

Haralson

Commercial Bank

12-09-1971 12-09-1971 3

17,736

Tennille

Washington Bank South, Washington County

4-04-1900 4- -1900 1

33,795

Thomaston

Upson

Bank of Upson

6-23-1951 10-01-1951 1

64,624

West Central Georgia Bank

12-13-1973 4-15-1974 1

31,533

Thomas vi 11 e

Thomas

Commercial Bank

7-03-1916 7-22-1916 2 124,681

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

LIST OF STATE AND NATIONAL BANKS (Continued)

CITY

COUNTY

NAME OF BANK

CHARTER DATE

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

Thomson

McDuffie

Bank of Thomson

1-21-1985 1-21-1985 3

Tifton

Tift

The Citizens Bank of Tifton

2-24-1948 4-15-1948 1

First Community Bank of Tifton

12-21-1936 2-24-1937 2

Toccoa

Stephens

The Bank of Toccoa

8-10-1911 9-01-1911 2

The Citizens Bank

12-31-1986 12-31-1986 2

Trenton

Dade

Bank of Dade

7-05-1955 1-12-1956 0

Trion Twin City

Chattooga *First National Bank of Chattooga County

Emanuel

Durden Banking Company, Incorporated

6-26-1935 7-05-1935 0

Unadilla Union Point Uvalda

Dooly
Greene Montgomery

State Bank and Trust Co.
The Farmers Bank Altamaha Bank and Trust Company

4-19-1935 4-22-1935 2 9-06-1911 9-06-1911 1 5-02-1966 5-16-1966 1

Valdosta

Lowndes

*The First National Bank of Valdosta

First State Bank and Trust Company

of Valdosta The Park Avenue Bank

1-22-1906 3- -1906 2

6-28-1971

6-28-1971

.... L

N Vidalia
CXl

Toombs

Brice Banking Company, Inc. Darby Bank and Trust Co.

9-07-1965 10-14-1965 1 6-22-1934 7-01-1934 0

*First National Bank and Trust Company

Vienna

Dooly

Bank of Dooly Citizens Bank

11-10-1975 7-30-1976 0 6-24-1931 7-01-1931 0

Villa Rica Wadley

Carro 11 Jefferson

Bank of Villa Rica Bank of Wadley

5-04-1899 5- -1899 1 1-29-1902 1- -1902 0

Warner Robins Warrenton Washington Watkinsville

Houston Warren Wilkes Oconee

International City Bank
Citizens Bank Farmers and Merchants Bank Bank of Georgia Oconee State Bank

11-16-1983 1-04-1985 1 4-14-1902 4- -1902 0 8-10-1949 3-14-1950 2 10-19-1984 8-12-1985 0 6-05-1959 2-01-1960 2

Waycross

Ware

Commercial Bank Southern Bank

10-15-1918 10-30-1918 2 5-22-1956 6-11-1956 4

Waynesboro

Burke

*Bank of Waynesboro

12-16-1890

1891 1

*The First National Bank of Waynesboro

West Point Willacoochee Winder

Troup Atkinson Barrow

*First National Bank of West Point
The Peoples Bank Bank of Barrow

1-04-1952 1-15-1952 0 3-12-1951 3-17-1951 4

The Peoples Bank

10-29-1926 10-30-1926 2

91,584 65,306 67,578 58,807 60,250 29,282 22,425 22,007 28,894 43,306 28,792 130,739
89,182 41,388 31,236 34,878 48,685 22,464 18,801 37,754 16,634 22,761 21,090 64,836 8,399 51,812 45,947 117,700 40,428 30,944 69,082 8,764 102,961 51,297

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

CITY Woodbury Woodland Wrens Wrightsville Zebulon
Atlanta Atlanta

COUNTY
Meriwether Talbot Jefferson Johnson Pike

LIST OF STATE AND NATIONAL BANKS (Continued)

NAME OF BANK

CHARTER DATE

The Woodbury Banking Company
Talbot State Bank First State Bank Bank of Wrightsville United Bank of Pike

9-29-1902 11-18-1907 2-25-1964 12-17-1986 3-18-1905

BEGIN

NO. TOTAL

BUSINESS OFF. ASSETS**

9-29-1902 0 11-25-1907 0 7-06-1964 0 12-17-1986 0 3-18-1905 1

14,848 13,321 26,625 26,841 35,856

TRUST COMPANIES

Fulton Fulton

Citizens and Southern Trust Reliance Trust Company

0 2-11-1981 7-01-1981 0

3,000 1,803

*Member of Federa1 Reserve System **Amounts are in ti'lOUsands

DEPAR'IMENT CF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CCNDITION OF STATE AND NATICNAL BANKS IN GEDRGIA AS OF DECEMBER 31, 1986
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1985 (Amounts in 'Ihousands)

December 31, 1986

367 Banks

ASSETS

Gross Loans

30,594,413

Reserve for Loan Losses

(424 ,442)

Unearned Income

(305,013)

Net loans

29,864,958

Lease Finance Receivables

621,401

Interest Bearing Depository Balances

2,339,570

Securities

8,660,129

Trade Account

298,615

Federal Funds Sold and Securities Purchase

under Agreement to Resell

2,718,464

TOI'AL EARNING ASSETS

44,503,137

Cash and Non-Interest Bearing Depository Balances 4,641,762

Bank Premises, Furniture and Fixtures

923,997

other Real Estate OWned

64,148

Intangible Assets

76,010

All other Assets

1,222,078

TOI'AL ASSETS

51,431,132

December 31, 1985 371 Banks
27,098,875 (347,102) (436,457)
26,315,316 455,583
1,856,559 7,955, 769
352,601
3,432,895 40,368,723
4,443,747 842,606 60,533 76,846
1,336,564 47,129,019

LIABILITIES Derrand Deposits of IPC - Ibrnestic Time and Savings Deposits of IPC - Domestic Deposits in Foreign Offices Deposits of U.S. Goverrurent Deposits of State, Counties, and M.micipalities certified and Officers' Checks All Other Deposits TOI'AL DEPa3ITS
Federal Funds Purchased and Securities Sold under Agreement to Repurchase
other Liabilities for Borrowed M::mey Mortgage Indebtedness All other Liabilities TOI'AL LIABILITIES
SUbordinated Notes and Debentures
mJITY CAPITAL Preferred Stock Ccmrron Stock Surplus Undivided Profits and Capital Reserves TOI'AL EQUITY CAPITAL
TOI'AL LIABILITIES, SUBORDINATED IDI.'ES AND DEBEN'IURES, AND EX;)UITY CAPITAL
- 30 -

10,087,455 25,160,035
861,931 445,600 2,204,780 258,355
2,621 39,020,777
6,533,182 557,176 47,125
1,502,415 47,660,675
314,512
762 420,026 1,341,011 1,694,146 3,455,945
51,431 '132

8,337,911 22,826,930
946,305 298,003 2,146,097 194,386 535,453 35,285,085
6,513,701 272,546 46,454
1,719,130 43,836,916
265,824
766 405,105 1,150,128 1,470,280 3,026,279
47,129,019

ABSTRACI' OF REPORTS OF CCNDITION (BY SIZE) OF
STATE AND NATIOOAL BANKS IN GEORGIA AS OF DF.cEMBER 31, 1986 (knounts in Thousands)

Number of Banks
Size of Banks
ASSEI'S Gross Loans
Reserve for loan Losses Unearned Incorre Net loans Lease Finance Receivables Interest Bearing Depository Balances Securities Trade Account Federal Funds Sold and Securities Purchased under Agreement to Resell TOI'AL EARNING ASSEI'S Cash and Ibn-Interest Bearing Depository Balances Bank Premises, Furniture and Fixtures Other Real Estate OWned Intangible Assets All Other Assets TOI'AL ASSEI'S

21 Less than
$10 Million
61,978 (630)
(3,381) 57,967
0 4,846 26,882
49
20,995 110,739 10,896
3,314 516 0
2,120 127,585

91 $10 Million
to $25 Million
856,502 (9 ,553) (32,059)
814,890 65
46,461 374,186
0
159,782 1,395,384
105,649 35,834 4,308 1,049 28,730
1,570,954

LIABILITIES Demand Deposits of IPC - IX>rrestic Tirre and Savings Deposits of IPC - Domestic Deposits in Foreign Offices Deposits of U.S. Governrrent Deposits of State, Counties, and Municipalities Certified and Officers' Checks All other Deposits TOI'AL DEPOSITS
Federal Funds Purchased and Securities Sold under Agreement to Repurchase
Other Liabilities for Borrowed Money Mortgage Indebtedness All Other Liabilities TOI'AL LIABILITIES
SUbordinated lbtes and Del::entures
E<J}ITY CAPITAL Preferred Stock Canrron Stock SUrplus Undivided Profits and Capital Reserves TOI'AL E<J}ITY CAPITAL
TOI'AL LIABILITIES, SUBORDINATED NC1I'ES AND DEBENIURES, AND EQUITY CAPITAL - 31 -

21,034 78,653
0 92 7,591 1,803
0 109,173
0 0 0 790 109,963
0
0 2,945 9,669 5,008 17,622
127,585

220,736 1,040,216
0 2,010 107,087 12,839
0 1,382,888
0 776 5,072 15,360 1,404,096
645
1 34,741 76,373 55,098 166,213
1570954

ABSTRACT OF REPORI'S OF COODITION (BY SIZE) OF
STATE AND NATIOOAL BANKS IN GEORGIA AS OF DECEMBER 31, 1986 (.Am:mnts in Thousands)

Number of Banks
Size of Banks
ASSEI'S Gross loans
Reserve for Loan Losses Unearned InCOire
Net loans
Lease Finance Receivables Interest Bearing Depository Balances Securities Trade Account Federal Funds Sold and Securities Purchased
under Agreement to Resell TOI'AL EARNING ASSEI'S cash and Non-Interest Bearing Depository Balances Bank Premises, Furniture and Fixtures Other Real Estate Owned Intangible Assets All Other Assets TOI'AL ASSEI'S

202 $25 Million
to $100 Million
5,729,264 (62,637)
(109, 739) 5,556,888
4,120 260,715 2,367,562
0
775,633 8,964,918
616,425 190,827 19,775
1,548 172,295 9,965,788

53 $100 Million
and Greater
23,946,669 (351, 622) (159,834)
23,435,213 617,216
2,027,548 5,891,499
298,566
1,762,054 34,032,096 3,908,792
694,022 39,549 73,413
1,018,933 39,766,805

LIABILITIES Demand Deposits of IPC - Ibmestic Time and Savings Deposits of IPC - Ibmestic Deposits in Foreign Offices
Deposits of u.s. Government
Deposits of State, Counties, and Municipalities Certified and Officers' Checks All other Deposits TOI'AL DEPOSITS
Federal Funds Purchased and Securities Sold under Agreement to Repurchase
other Liabilities for Porro~d .r.bney Mortgage Indebtedness All Other Liabilities TOTAL LIABILITIES
SUbordinated Notes and Derentures
EQUITY CAPITAL Preferred Stock C'.orrm::m Stock Surplus Undivided Profits and capital Reserves TOI'AL EQUITY CAPITAL
TOI'AL LIABILITIES, SUBORDINATED NOI'ES AND DEBEN'IURES, AND EQUITY CAPITAL _ 32 _

1,454,907 6,503,698
0 30,328 779,516 76,879
0 8,845,328
89,597 26,932 10,784 120,471 9,093,112
8,766
761 135,141 383,701 344,307 863,910
9,965,788

8,390,778 17,537,468
861,931 413,170 1,310,586 166,834
2,621 28,683,388
6,443,585 529,468 31,269
1,365,794 37,053,504
305,101
0 247,199 871,268 1,289,733 2,408,200
39,766,805

DEPAR'IMENT OF BANKING AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES OF STATE AND NATICNAL BANKS IN GEORGIA
FOR CALENDAR YEARS ENDJN:; DECMBER 31, 1986, AND DECEMBER 31, 1985 (Arrounts in Thousands)

December 31, 1986 December 31, 1985

367 Banks

371 Banks

INTEREST INCXME Interest and Fees on loans Income fran lease Financing Interest on Balances with
Depository Institutions Incame on Federal Funds Sold and Securities
Purchased under Agreerrent to Iesell Interest and Dividends from Securities Trading .Account Interest TOI'AL INTEREST INCDME

3,166,439 64,954
114,322
194,170 728,823
19,561 4,288,269

3,066,628 46,508
169,153
164,565 691,995
15,657 4,154,506

INTEREST EXPENSE Interest on Deposits Expense on Federal Funds Purchased and Securities Sold under Agreerrent to Iepurchase Interest on Other Borrowed Money Interest on Mortgages and leases Interest on SUbordinated Notes and Debentures TOI'AL INTEREST EXPENSE

1,883' 571
397,482 19,823
4,306 32,228 2,337,410

1,951,695
330,353 18,898
3,805 29,581 2,334,332

NET INTEREST INCDME

1,950,859

1,820,174

TOI'AL NONINTEREST INCOME

629,210

551,878

OVERHEAD EXPENSE Salaries and Employee Benefits Net CX::cupancy Expense of Bank Premises
and Fquipnent Expenses Other Noninterest Expenses TOI'AL OVERHEAD EXPENSES

851,990
279,131 613,326 1,744,447

765,232
243' 511 561,078 1,569,821

PROVISICN FOR LOAN I...a3SES

278,359

199,720

SECURITIES GAINS AND lOSSES

31,960

11,625

NET OPERATING INCDME BEFORE TAXES

589,223

614 '136

APPLICABLE INCDME TAXES

65,516

110,248

NET OPERATING INCOME AFTER TAXES

523,707

503,888

EXTRAORDINARY INCOME OR EXPENSES, NET

1,248

1,198

NET INCXME

524,955

505,086

- 33 -

ABSTRACT OF EARNINC~ AND EXPENSES (BY SIZE) OF
STATE AND NATIONAL Bi\NKS IN GEORGIA FOR THE CALENDAR YEAR ENDING D:ocEM3ER 31, 1986
(Arrounts in Thousands)

Number of Banks Size of Banks

21 Less than
$10 Million

INTEREST INCCME Interest and Fees on Loans Income from Lease Financing Interest on Balances with
Depository Institutions Income on Federal Funds Sold and Securities
Purchased under Agreerrent to Resell Interest and Dividends from Securities Trading Account Interest TOI'AL INTEREST INCOME

8,158 0
409
1,123 2,464
0 12,154

INTEREST EXPENSE Interest on Deposits Expense on Federal Funds Purchased and Securities
Sold under Agreement to Repurchase Interest on other Borrowed Money Interest on Mortgages and Leases Interest on SUbordinated Notes and Debentures TOI'AL INTEREST EXPENSE

5,632
4 0 13 0 5,649

NEl' INTEREST INCCME

6,505

TOI'AL NONINTEREST INCOME

1,036

OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy Expense of Bank Premises
and Fqui:pnent Expenses other Noninterest Expenses TOI'AL OVERHEAD EXPENSES

2,799
779 1,699 5,277

PROVISICN FOR lOAN IffiSES

509

SEaJRITIES GAINS AND LOSSES

35

NEl' OPERATING INCOME BEFORE TAXES

1, 790

APPLICABLE INCOME TAXES

295

NEl' OPERATING INCOME AFTER TAXES

1,495

EXTRAORDINARY INCOME OR EXPENSES, NEl'

37

NET INCCME

1,532

91 $10 Million
to $25 Million
98,344 9
3,410
8,403 33,071
0 143,237
76,363
133 55
337 47
76,935
66,302
14,185
29,103
7,975 21,275 58,353
8,005
1,400
15,529
2,684
12,845
142
12,987

- 34 -

ABSTRACT OF EARNINGS AND EXPENSES (BY SIZE)
OF STATE AND NATIONAL BANKS IN GEORGIA FOR THE CALENDAR YEAR ENDING DECEMBER 31, 1986
(J.lmormts in Thousands)

Number of Banks Size of Banks

202 $25 Million
to $100 Million

INTEREST INCDME Interest and Fees on Loans Incorre from Lease Financing Interest on Balances with
Depository Institutions Income on Federal Frmds Sold and Securities
Purchased rmder Ag"reerrent to Fesell Interest and Dividends from Securities Trading Accormt Interest TOI'AL INTEREST IN(X)ME

652,832 574
18,351
46,311 200,077
27 918,172

INTEREST EXPENSE Interest on Deposits Expense on Federal Funds Purchased and Securities
Sold rmder Ag-reement to Fepurchase Interest on Other Borrowed ~oney Interest on Mortgages and Leases Interest on Subordinated Notes and Debentures TOI'AL INTEREST EXPENSE

498,162
4,886 1,471
880 1,106 506,505

NET INTEREST INCOME

411,667

TOI'AL NONINTEREST INCOME

85,779

OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy EJ<pense of Bank Premises
and Equipuent Expenses other Noninterest Expenses TOI'AL OVERHEAD EXPENSES

167,634
49,228 111,140 328,002

PROVISICN FOR IDAN LCSSES

42,368

SECURITIES GAINS AND IDSSES

6,386

NET OPERATING IN(X)ME BEFORE TAXES

133,462

APPLICABLE IN(X)ME TAXES

19,689

NET OPERATING IN(X)ME AFTER TAXES

113,773

EXTRAORDINARY INmME OR EXPENSES, NF.I'

1,069

NET INCOME

114,842

53 $100 Million
and Greater
2,407,105 64,371
92,152
138,333 493,211 19,534 3,214,706
1,303,361
392,459 18,297
3,129 31,075 1,748,321
1,466,385
528,210
652,454
221,149 479,212 1,352,815
227,477
24,139
438,442
42,848
395,594
0
395,594

- 35 ~

REGISTERED BANK HOLDING COMPANIES AND THEIR SUBSIDIARY BANKS DECEMBER 31, 1986
HOLDING COMPANIES AND SUBSIDIARY BANKS
(NOTE: Out-of-State banking subsidiaries of non-Georgia holding companies omitted.)
FIRST STATE CORPORATION, Albany
*First State Bank &Trust Company, Albany
First State Bank and Trust Company in Cordele, Cordele
FIRST BANK SHARES OF THE SOUTH EAST, INC., Alma The First National Bank of Alma, Alma
SOUTH BANKING COMPANY, Alma
*Alma Exchange Bank &Trust, Alma
Citizens State Bank, Kingsland
FIRST AMERICAN BANCORP, Athens First American Bank and Trust Company, Athens
BANK SOUTH CORPORATION, Atlanta * Bank South, National Association, Atlanta BANK SOUTH MACON, INC., Macon
Bank South, Fitzgerald, Fitzgerald *Bank South, Macon, Macon
Bank South, Washington County, Tennille Bank South, Jasper County, National Association,
Monticello Bank South, Houston County National Association,
Perry BANK SOUTH WAYCROSS INC., Waycross
The Exchange Bank, Douglas Mount Vernon Bank, Mount Vernon *Southern Bank, Waycross
BMR BANCORP, INC., Atlanta The Citizens Bank of Swainsboro, Swainsboro
CITIZENS BANCSHARES, CORP., Atlanta Citizens Trust Bank, Atlanta

APPROVED OR REGISTERED
2-04-81 2-04-81 12-06-84
6-11-85 6-11-85
11-20-80 11-20-80 11-20-80
4-02-86 4-02-86
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
10-21-81 12-11-86
7-28-82 1-26-84 10-21-81
11-07-86 11-07-86
7-01-76 7-01-76

*Lead Bank **Incomplete

- 36 -

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

CITIZENS AND SOUTHERN CORPORATION, Atlanta CITIZENS AND SOUTHERN CORPORATION, Columbia, SC CITIZENS AND SOUTHERN GEORGIA CORPORATION, Atlanta The Citizens and Southern National Bank, Savannah CITIZENS AND SOUTHERN TRUST COMPANY, INC., Atlanta Citizens and Southern Trust Company (Georgia), National Association CITIZENS AND SOUTHERN FLORIDA CORPORATION, Ft. Lauderdale

7-01-76 1-28-86 5-20-86 5-20-86 7-11-86
7-11-86 6-21-85

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

11-18-85 11-18-85

FIRST LIBERTY FINANCIAL CORPORATION, Atlanta
Liberty Federal Savings & Loan Association, Macon

7-16-85 7-16-85

NORO-HOME FEDERAL HOLDING COMPANY, N.V., Atlanta NORO-THRIFT HOLDING COMPANY, N.V., Atlanta SOUTHEAST FINANCIAL CORPORATION HOLDINGS, INC., Atlanta Home Federal Savings and Loan Association, Atlanta

12-22-86 12-22-86 12-22-86 12-22-86

FIRST UNION CORPORATION, Charlotte, NC Bank of Waynesboro, Waynesboro FIRST UNION CORPORATION OF GEORGIA, Atlanta First Georgia Bank, Atlanta
*Georgia Railroad Bank & Trust Company, Augusta
First Union National Bank of Georgia, Clarkston The First National Bank of Columbus, Columbus
The Bank of Dalton, Dalton
Commercial Bank & Trust Company, Griffin
Georgia State Bank, Mableton Central Bank of Georgia, Macon First National Bank in Newnan, Newnan Farmers and Merchants Bank, Pine Mountain The National City Bank of Rome, Rome Savannah Bank and Trust Company of Savannah, Savannah Bank of Screven County, Sylvania The First National Bank of Valdosta, Valdosta First National Bank and Trust Company, Vidalia Commercial Bank, Waycross

3-16-86 9-29-86 9-29-86 10-12-78 7-01-76 9-29-86 11-08-82 10-25-79 6-06-83 9-29-86 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

FIRST WACHOVIA CORPORATION, Atlanta FIRST ATLANTA CORPORATION, Atlanta
*The First National Bank of Atlanta, Atlanta The First National Bank of Dalton, Dalton First Bank of Savannah, Savannah First Atlanta Bank National Association, New Castle, DE
THE WACHOVIA CORPORATION, Winston-Salem, N.C.

10-28-85 7-01-76
10-28-85 7-01-76 3-10-77
12-01-76 7-07-86
10-28-85

*Lead Bank *'<Incomplete

- 37 -

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

FUQUA INDUSTRIES, INC., Atlanta Georgia Federal Bank, FSB, Atlanta
HERITAGE BANCSHARES, INC., Atlanta Heritage Bank, Alpharetta
INTEREDEC (Georgia), Limited, Paris, France INTEREDEC (Georgia) N.V., Paris, France NBG FINANCIAL CORPORATION, Atlanta The National Bank of Georgia, Atlanta
SUNTRUST BANKS, INC., Atlanta SUN BANKS, INC., Orlando, Florida TRUST COMPANY OF GEORGIA, Atlanta
Trust Company Bank of South Georgia, N.A., Albany Trust Company Bank of Northeast Georgia,
National Association, Athens *Trust Company Bank, Atlanta
Trust Company Bank of Augusta, National Association, Augusta
Trust Company Bank of Carroll County, Bowdon Trust Company Bank of Columbus, National
Association, Columbus Trust Company Bank of Rockdale, Conyers Trust Company Bank of Douglas County,
Douglasville Trust Company of Clayton County, Jonesboro Trust Company Bank of Troup County, LaGrange Trust Company Bank of Gwinnett County,
Lawrenceville Trust Company Bank of Middle Georgia, N.A.,
Macon Trust Company Bank of Henry County, National
Association, McDonough Trust Company Bank of Northwest Georgia,
National Association, Rome Trust Company of Georgia Bank of Savannah,
N.A., Savannah Trust Company Bank of Cobb County, N.A.,
Smyrna Trust Company Bank of Southeast Georgia
National Association, Brunswick Trust Company Bank of Coffee County,
Douglas

4-09-86 4-09-86
12-16-80 12-16-80
7-05-83 7-05-83 7-05-83 7-05-83
1-11-85 1-11-85 7-01-76 1-11-85 11-27-85
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
3-13-84
3-26-81

*Lead Bank .,.(*Incomplete

- 38 -

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

BANKERS FIRST CORPORATION, Augusta Athens Federal Savings, Athens Bankers First Federal Savings and Loan Association, Augusta

PORT CITY HOLDING COMPANY, INC., Bainbridge The First Port City Bank, Bainbridge

FIRST CITIZENS BANCORP OF CHEROKEE COUNTY, INC., Ball Ground Citizens Bank, Ball Ground

UNITED BANK CORPORATION, Barnesville *United Bank, Barnesville United Bank of Crawford, Roberta United Bank of Pike, Zebulon

GEORGIA PEOPLES BANKSHARES, INC., Baxley Peoples State Bank & Trust, Baxley

FIRST UNION BANCORP, Blairsville First National Bank of Union County, Blairsville

FIRST STATE BANCSHARES OF BLAKELY, INC., Blakely First State Bank of Blakely, Blakely

ANB BANKSHARES, INC., Brunswick *American National Bank of Brunswick, Brunswick American Bank of Southeast Georgia, Kingsland

FIRST HARALSON CORPORATION, Buchanan The First National Bank of Haralson County, Buchanan

SOUTHLAND BANK CORP., Butler *The Citizens State Bank, Butler Coffee County Bank, Douglas

FARMERS BANCSHARES, INC., Cadwell *Farmers State Bank, Cadwell The Security State Bank, McRae

CAIRO BANCSHARES, INC., Cairo Cairo Banking Company, Cairo

GRADY HOLDING COMPANY, Cairo First National Bank of Grady County, Cairo

P & C BANK SHARES, INC., Camilla Planters & Citizens Bank, Camilla

B C BANKSHARES, INC., Canton Bank of Canton, Canton
~rLead Bank **Incomplete

- 39 -

4-17-86 4-22-86 4-17-86
8-11-81 8-11-81
3-18-83 3-18-83
11-25-81 11-25-81 11-25-81 11-25-81
6-14-82 6-14-82
4-25-85 4-25-85
6-13-86 6-13-86
9-19-84 9-19-84 9-19-84
3-06-84 3-06-84
2-13-84 2-13-84 2-13-84
7-24-79 7-24-79 8-08-83
4-16-82 4-16-82
6-30-78 6-30-78
12-30-80 12-30-80
9-05-84 9-05-84

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

NORTH GEORGIA BANCSHARES, INC., Canton North Georgia Bank, Canton

2-10-82 2-10-82

UNITED SECURITY BANCSHARES, INC., Canton United Security Bank, Sparta

2-21-84 2-21-84

FIRST BANKS, INC., Carnesville First Bank and Trust, Carnesville
*Bank of Toccoa, Toccoa

4-13-81 4-13-81 4-13-81

PEOPLES EQUITY SHARES, INC., Carrollton The Peoples Bank, Carrollton

12-05-80 12-05-80

WGNB CORP., Carrollton West Georgia National Bank of Carrollton, Carrollton

8-12-85 8-12-85

BARTOW BANCSHARES, INC., Cartersville '""Bartow County Bank, Cartersville Citizens Bank of Americus, Americus

4-28-83 4-28-83 11-15-84

PEOPLES BARTOW CORPORATION, Cartersville Peoples Bank of Bartow County, Cartersville

2-13-84 2-13-84

FIRST POLK BANKSHARES, INC., Cedartown The First National Bank of Polk County, Cedartown

5-20-86 5-20-86

NCNB CORPORATION, Charlotte, N.C. SOUTHERN NATIONAL BANKSHARES, INC., Atlanta
NCNB National Bank of Georgia, Atlanta

12-12-85 2-21-84
12-12-85 2-21-84

FIRST CHATSWORTH BANKSHARES, INC., Chatsworth The First National Bank of Chatsworth, Chatsworth

3-03-83 3-03-83

LIBERTY BANCORP OF GEORGIA, INC., Clayton Rabun County Bank, Clayton

5-12-83 5-12-83

WHITE COUNTY BANCSHARES, INC., Cleveland White County Bank, Cleveland

9-19-84 9-19-84

TB&C BANCSHARES, INC., Columbus CB&T BANCSHARES, INC., Columbus Security Bank and Trust Company of Albany, Albany Sumter Bank and Trust Company, Americus The Coastal Bank of Georgia, Brunswick Citizens Bank and Trust of West Georgia, Carrollton *Columbus Bank and Trust Company, Columbus Bank of Hazlehurst, Hazlehurst Commercial Bank & Trust Company of Troup County, LaGrange Bank of Coweta, Newnan Commercial Bank, Thomasville

8-25-86 7-01-76 1-03-79 4-24-80 9-18-81 1-15-85 7-01-76 5-03-83 9-07-76
6-04-86 9-07-76

*Le.sd Bank *'""Incomplete

- 40 -

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

TB&C BANCSHARES, INC., Columbus (Continued) CB&T BANCSHARES, INC., Columbus (Continued) First State Bank and Trust Company of Valdosta COHUTTA BANCSHARES, INC., Chatsworth
Cohutta Banking Company, Chatsworth SOUTHWEST GEORGIA FINANCIAL CORPORATION, Moultrie
Moultrie National Bank, Moultrie

11-05-81 11-30-82
7-31-85 11-30-82 11-18-80 12-14-84 11-18-80

FIRST COMMERCE BANCORP, INC., Commerce The First National Bank of Commerce, Commerce

10-27-81 10-27-81

FIRST BANK FINANCIAL CORPORATION, Conyers First Bank of Conyers, Conyers

10-19-84 10-19-84

COMMUNITY BANKSHARES, INC., Cornelia Community Bank & Trust - Jackson, Commerce
*Community Bank & Trust - Habersham, Cornelia

3-12-81 3-30-82 3-12-81

HABERSHAM BANCORP, Cornelia Habersham Bank, Clarksville

12-05-84 12-05-84

FNB NEWTON BANKSHARES, INC., Covington First National Bank of Newton County, Covington

11-30-84 11-30-84

DAHLONEGA BANCORP, INC., Dahlonega *Bank of Dahlonega, Dahlonega The Bank of Ellijay, Ellijay

4-20-82 4-20-82 4-11-85

FIRST NATIONAL BANCSHARES OF PAULDING COUNTY, INC., Dallas First National Bank of Paulding County, Dallas

6-19-85 6-19-85

NORTHWEST GEORGIA FINANCIAL CORPORATION, Dallas The Citizens Bank, Dallas

3-05-82 3-05-82

HARDWICK HOLDING COMPANY, Dalton Hardwick Bank & Trust Company, Dalton

9-23-80 9-23-80

DAWSON BANCSHARES, INC., Dawson Bank of Dawson, Dawson

9-19-83 9-19-83

DAWSON COUNTY BANCSHARES, INC., Dawsonville Dawson County Bank, Dawsonville

12-03-84 12-03-84

FIDELITY SOUTHERN CORPORATION, Decatur Fidelity National Bank, Decatur

12-18-79 12-18-79

M & F FINANCIAL CORPORATION, Donalsville Merchants and Farmers Bank, Donalsonville

2-01-85 2-01-85

>'<"Lead Bank **Incomplete

- 41 -

REGISTERED BANK HOLDING COMPANIES (Continued)
HOLDING COMPANIES AND SUBSIDIARY BANKS
METRO BANCORP, INC., Douglasville The Commercial Bank, Douglasville
THORNTON HOLDING COMPANY, INC., Douglasville Douglas County Bank, Douglasville
MID-STATE BANKS, INC., Dublin Cordele Banking Company, Cordele
*The Morris State Bank, Dublin Planters Bank, Hawkinsville Pineview State Bank, Pineview
INVESTORS TRUST FINANCIAL CORPORATION Investors Bank & Trust, Duluth
CITIZENS CORPORATION, Eastman Citizens Bank & Trust Company, Eastman
PEOPLES BANKSHARES, INCORPORATED, Eatonton The Peoples Bank, Eatonton
BOE BANCSHARES, INC., Edison The Bank of Edison
FIRST ELBERT CORPORATION, Elberton First National Bank in Elberton, Elberton
MIDDLE GEORGIA CORPORATION, Ellaville Bank of Ellaville, Ellaville
FAIRBANCO HOLDING COMPANY, INC., Fairburn Fairburn Banking Company, Fairburn
COLONY BANKCORP, INC., Fitzgerald Ashburn Bank, Ashburn Bank of Dodge County, Chester
*The Bank of Fitzgerald, Fitzgerald Pitts Banking Company, Pitts
SOUTHEASTERN BANKING CORPORATION, Folkston The Darien Bank, Darien
*Southeastern Bank, Folkston
COUNTRY BANK COMPANY, Forsyth Monroe County Bank, Forsyth
CATOOSA BANCSHARES, INC., Fort Oglethorpe Capital Bank, Fort Oglethorpe

*Lead Bank **Incomplete

- 42 -

APPROVED OR REGISTERED
12-10-84 12-10-84
12-17-81 12-17-81
3-05-80 4-22-86 3-05-80 4-22-86 4-22-86
1-09-84 1-09-84
1-15-85 1-15-85
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

REGISTERED BANK HOLDING COMPANIES (Continued)
HOLDING COMPANIES AND SUBSIDIARY BANKS
BANK CORPORATION OF GEORGIA, Fort Valley First South Bank of Turner County, Ashburn
*First South Bank, N.A., Fort Valley First South Bank of Camden County, St. Marys
CB BANCSHARES, INC., Fort Valley The Citizens Bank, Fort Valley
CITIZENS EXPRESS COMPANY, Gainesville The Citizens Bank, Gainesville
FIRST NATIONAL BANCORP, Gainesville Bank of Clayton, Clayton The First National Bank of White County, Cleveland First National Bank of Habersham, Cornelia Granite City Bank, Elberton
*The First National Bank of Gainesville, Gainesville The First National Bank of Jackson County, Jefferson The Citizens Bank, Toccoa
FIRST CITIZENS BANKSHARES, INC., Glennville First Citizens Bank, Glennville
CITIZENS FINANCIAL SERVICES, INC., Greensboro Citizens Union Bank, Greensboro
FNB BANKING COMPANY, Griffin *First National Bank of Griffin, Griffin The First National Bank of Barnesville, Barnesville
CCB BANCSHARES, INC., Hahira Citizens Community Bank, Hahira
LOWNDES BANCSHARES, INC., Hahira Commercial Banking Company, Hahira
COASTAL BANKSHARES, INC., Hinesville The Coastal Bank, Hinesville
LIBERTY SHARES, INC., Hinesville The Hinesville Bank, Hinesville
FIRST HOGANSVILLE BANKSHARES, INC., Hogansville The Citizens Bank, Hogansville
BANKS COUNTY FINANCIAL CORPORATION, Homer Bank of Banks County, Homer

APPROVED OR REGISTERED
5-13-80 5-20-86 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 3-27-86 12-12-86
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
7-07-82 7-07-82
10-24-84 10-24-84
9-23-82 9-23-82
3-24-82 3-24-82

*Lead Bank **Incomplete

- 43 -

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

BARNETT BANKS OF FLORIDA, INC., Jacksonville, FL SUNCOAST BANCORP, INC., Vero Beach, FL FIRST CITY BANCORP, INC., Marietta

The First National Bank of Cobb County, Marietta

JBC BANCSHARES, INC., Jasper Jasper Banking Company, Jasper

PICKENS COUNTY BANCSHARES, INC., Jasper Pickens County Bank, Jasper

LAFAYETTE BANKSHARES, INC., LaFayette The Bank of LaFayette, Georgia, LaFayette

FMB BANCSHARES, INC., Lakeland Farmers and Merchants Bank, Lakeland

FIRST SECURITY BANKSHARES, INC., Lavonia Bank of Hartwell, Hartwell
*Northeast Georgia Bank, Lavonia

CITIZENS HOLDING COMPANY, Lexington Citizens Banking Company, Lexington

LINCOLN BANCSHARES, INC., Lincolnton Farmers State Bank, Lincolnton

PERSONS BANKING COMPANY, INC., Lithonia The Farmers Bank, Forsyth
*The Peoples Bank, Lithonia The Bank of Perry, Perry

THE QUEENSBORO COMPANY, Louisville *The First National Bank of Louisville, Louisville Bank of Wadley, Wadley

SOUTH GEORGIA BANKSHARES, CORP., Lyons Peoples Bank, Lyons

MADISON BANK CORP., Madison Bank of Madison, Madison

F AND M HOLDING COMPANY, INC., Manchester
F & M Bank and Trust Company, Manchester

THE CHATTAHOOCHEE FINANCIAL CORPORATION, Marietta The Chattahoochee Bank, Marietta

FCS FINANCIAL CORPORATION, Martinez First Columbia Bank, Martinez

'<Lead Bank *'"'Incomplete

- 44 -

11-25-86 11-25-86 12-02-80 11-25-86 12-02-80
7-10-85 7-10-85
12-08-82 12-08-82
1-03-84 1-03-84
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 11-19-86
12-17-80 12-17-80
7-10-85 7-10-85
12-14-84 12-14-84
8-13-84 8-13-84
9-16-83 9-16-83

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

APPROVED OR REGISTERED

CENTRAL AND SOUTHERN HOLDING COMPANY, Milledgeville The Central and Southern Bank of Georgia, Milledgeville

3-06-81 3-06-81

EXCHANGE BANKSHARES, INC., Milledgeville Exchange Bank, Milledgeville

10-05-83 10-05-83

F. A. BANKSHARES, INC., Monroe First American Bank of Walton, Monroe

12-30-83 12-30-83

NBWC CORPORATION, Monroe The National Bank of Walton County, Monroe

9-23-82 9-23-82

FMB BANKING CORPORATION, Monticello, FL First Merchants Bank, Pavo

11-25-86 11-25-86

ABC BANCORP, Inc., Moultrie Farmers and Merchants Bank of Thomas County, Coolidge
*American Banking Company, Houltrie Bank of Quitman, Quitman The Citizens Bank of Tifton, Tifton

3-23-81 5-12-86 3-23-81 5-09-85 11-05-86

THE NASHVILLE HOLDING COMPANY, Nashville Adel Banking Company, Adel
*The Citizens Bank, Nashville

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

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

4-23-85 4-23-85

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA, Newark, N.J. PRUCO, INC., Newark, N.J. PRUDENTIAL CAPITAL AND INVESTMENT SERVICES, INC., Newark, N.J. *The Prudential Bank and Trust Company, Atlanta

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

NICHOLLS STATE BANCSHARES, INC., Nicholls Nicholls State Bank, Nicholls

5-03-84 5-03-84

IRWIN BANKCORP, INC., Ocilla The Bank of Ocilla, Georgia, Ocilla

9-24-84 9-24-84

FIRST FULTON BANCSHARES, INC., Palmetto First Fulton Bank and Trust, Palmetto

8-16-85 8-16-85

PATTERSON BANKSHARES, INC., Patterson The Patterson Bank, Patterson

1-17-86 1-17-86

TATTNALL BANCSHARES, INC., Reidsville The Tattnall Bank, Reidsville

3-03-86 3-03-86

*Lead Bank **Incomplete

- 45 -

REGISTERED BANK HOLDING COMPANIES (Continued)
HOLDING COMPANIES AND SUBSIDIARY BANKS
GEORGIA COMMUNITY BANCORP, INC., Reynolds Bank of Terrell, Dawson Commercial State Bank, Donalsonville
*The Citizens State Bank, Reynolds
NW SERVICES CORPORATION, RINGGOLD Northwest Georgia Bank, Ringgold
ROSSVILLE BANKSHARES, INC., Rossville Rossville Bank, Rossville
SSL FINANCIAL CORPORATION, Roswell Sentry Bank and Trust Company, Roswell
FIRST CAMDEN BANCORPORATION, St. Marys First National Bank of Camden County, St. Marys
SARDIS BANKSHARES, INC., Sardis Bank of Sardis, Sardis
CHARLTON ASSOCIATES, Savannah AMERICORP, INC., Savannah Ameribank, National Association, Savannah
GEORGIA CENTRAL BANCSHARES, INC., Social Circle Georgia Central Bank, Social Circle
SOPERTON NAVAL STORES, INC., Soperton The Bank of Soperton, Soperton
FIRST BANKING COMPANY OF SOUTHEAST GEORGIA, Statesboro
*First Bulloch Bank & Trust Company, Statesboro
Metter Banking Company, Metter
HENRY COUNTY BANCSHARES, INC., Stockbridge The First State Bank, Stockbridge
CENTRAL BANKING COMPANY, Swainsboro The Central Bank, Swainsboro
SPIVEY BANK SHARES, INC., Swainsboro Spivey State Bank, Swainsboro
FIRST BANK HOLDING COMPANY, Sylvester Sylvester Banking Company, Sylvester
WCG BANCSHARES, INC., Thomaston West Central Georgia Bank, Thomaston

*Lead Bank **Incomplete

- 46 -

APPROVED OR REGISTERED
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
11-05-86 11-05-86
12-27-84 12-27-84 12-27-84
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
10-07-81 10-07-81
8-25-86 8-25-86
8-22-83 8-22-83
12-10-82 12-10-82

REGISTERED BANK HOLDING COMPANIES (Continued) HOLDING COMPANIES AND SUBSIDIARY BANKS

ALLIED BANKSHARES, INC., Thomson Bank of Columbia County, Harlem Bank of Millen, Millen Bank of Morgan County, Rutledge
*Bank of Thomson, Thomson

FIRST COMMUNITY BANCSHARES OF TIFTON, INC., Tifton First Community Bank of Tifton, Tifton

1st FRANKLIN CORPORATION, Toccoa Liberty Bank & Trust, Toccoa

TRI-STATES BANKSHARES, INC., Trenton Bank of Dade, Trenton

SUMMERVILLE/TRION BANCSHARES, INC., Trion First National Bnk of Chattooga County, Trion

EAGLE BANCSHARES, INC., Tucker Tucker Federal Savings and Loan Association, Tucker

LOCAL INVESTORS, INC., Unadilla State Bank and Trust Company, Unadilla

ALTAMAHA BANCSHARES, INC., Uvalda Altamaha Bank and Trust Company, Uvalda

PAB BANKSHARES, INC., Valdosta *The Park Avenue Bank, Valdosta Farmers & Merchants Bank, Adel

TOOMBS BANK SHARES, INC., Vidalia Brice Banking Company, Inc., Vidalia

DOOLY BANCSHARES, INC., Vienna Bank of Dooly, Vienna

VILLA RICA BANCORP, INC., Villa Rica Bank of Villa Rica, Villa Rica

INTERNATIONAL CITY BANCORP, INC., Warner Robins International City Bank, Warner Robins

CB FINANCIAL CORPORATION, Warrenton Citizens Bank, Warrenton

WASHINGTON/WILKES CORPORATION, Washington Farmers and Merchants Bank, Washington

FIRST BURKE BANKING COMPANY, Waynesboro The First National Bank of Waynesboro

*Lead Bank **Incomplete

- 47 -

APPROVED OR REGISTERED
12-03-84 11-05-86
9-30-85 4-25-85 12-03-84
5-10-82 5-10-82
3-12-84 3-12-84
4-27-82 4-27-82
2-14-86 2-14-86
1-24-86 1-24-86
10-31-83 10-31-83
11-03-80 11-03-80
8-02-82 8-02-82 10-25-84
3-15-83 3-15-83
4-03-85 4-03-85
8-15-86 8-15-86
11-19-86 11-19-86
1-09-86 1-09-86
3-20-86 3-20-86
2-26-86 2-26-86

REGISTERED BANK HOLDING COMPANIES (Continued)
HOLDING COMPANIES AND SUBSIDIARY BANKS
FIRST BANKSHARES OF WEST POINT, INC., West Point First National Bank of West Point, West Point
ATKINSON COUNTY BANKSHARES CORPORATION, Willacoochee The Peoples Bank, Willacoochee
PEOPLES HOLDING COMPANY, Winder The Peoples Bank, Winder
WOODBURY BANCSHARES, INC., Woodbury The Woodbury Banking Company, Woodbury
WRIGHTSVILLE BANCSHARES, INC., Wrightsville Bank of Wrightsville, Wrightsville

APPROVED OR REGISTERED
7-13-83 7-13-83
9-18-80 9-18-80
11-17-83 11-17-83
12-08-83 12-08-83
10-31-86 10-31-86

BANK HOLDING COMPANIES DEREGISTERED/DISSOLVED

BANK HOLDING COMPANY

LOCATION

FARMERS & MERCHANTS BANCSHARES, INC. CDB Corp. CITIZENS AND SOUTHERN GEORGIA CORPORATION FIRST UNION CORPORATION OF GEORGIA ROSWELL BANCSHARES, INC. SOUTHERN BANCSHARES, INC. TGB CORP. BAXLEY STATE BANKING COMPANY FLINT BANCSHARES, INC. FORSYTH BANCSHARES, INC. JEFF DAVIS BANKSHARES, INC. FIRST JACKSON BANCORP GEORGIA STATE BANCSHARES, INC. J. L. PILCHER AND SONS, INC.
PINEVIEW BANCSHARES, INC. SOUTHERN BANK HOLDING COMPANY FMB CORP. WEST GEORGIA FINANCIAL CORPORATION

Adel Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Baxley Cordele Cumming Hazlehurst Jefferson Mableton Meigs Pineview Savannah Summerville Tallapoosa

EFFECTIVE
1-02-86 4-01-86 5-20-86 11-01-86 12-21-86 4-02-86 12-31-86 12-31-86 6-30-86 12-15-86 10-17-86 3-27-86 11-01-86 12-15-86 6-30-86 12-22-86 12-31-86 9-30-86

*Lead Bank **Incomplete

- 48 -

APPLICATIONS APPROVED FOR BANK HOLDING COMPANY SUBSIDIARIES TO MERGE ACROSS COUNTY LINES

BANK HOLDING COMPANY

LOCATION

EFFECTIVE

FIRST STATE CORPORATION Citizens Bank with/into
First State Bank & Trust Company

Albany Cuthbert
Albany

12-21-86

FIRST STATE CORPORATION First State Bank & Trust Company in Leesburg with/into
First State bank & Trust Company

Albany Leesburg Albany

5-30-86

CITIZENS AND SOUTHERN GEORGIA CORPORATION Fannin County Bank with/into
The Citizens and Southern National Bank

Atlanta Blue Ridge
Savannah

8-31-86

FIRST ATLANTA Corporation Forsyth County Bank
with/into The First National Bank of Atlanta

Atlanta Cumming
Atlanta

12-15-86

TRUST COMPANY OF GEORGIA
Baxley State Bank
with/into Trust Company Bank of Southeast Georgia,
National Association

Atlanta Baxley
Brunswick

12-31-86

TRUST COMPANY OF GEORGIA Trust Company Bank of South Georgia, National Association with/into Trust Company Bank of South Georgia,
National Association

Atlanta Sylvester
Albany

1-17-86

BARTOW BANCSHARES, INC. Bank of Webster with/into
Citizens Bank of Americus

Cartersville Preston
Americus

5-27-86

CAIRO BANCSHARES, INC. Bank of Meigs
with/into Cairo Banking Company

Cairo Meigs

12-15-86

CB&T BANCSHARES, INC.
Bank of Manchester with/into
Columbus Bank & Trust Company

Columbus Manchester
Columbus

6-30-86

- 49 -

APPLICATIONS APPROVED FOR BANK HOLDING COMPANY SUBSIDIARIES TO MERGE ACROSS COUNTY LINES (Continued}

BANK HOLDING COMPANY

LOCATION

EFFECTIVE

CB&T BANCSHARES, INC. First American Bank with/into
Bank of Coweta

Columbus Warm Springs
11-14-86 Newnan

CB&T BANCSHARES, INC. West Georgia Bank of Tallapoosa, Georgia with/into Citizens Bank and Trust of West Georgia

Columbus Tallapoosa
Carrollton

9-30-86

SOUTHEASTERN BANKING CORPORATION
Jeff Davis Bank with/into
Southeastern Bank

Folkston Hazlehurst
Folkston

10-17-86

COASTAL BANKSHARES, INC. Southern Bank and Trust Company
with/into The Coastal Bank

Hi nesvi 11 e Savannah
Hinesville

12-22-86

THE QUEENSBORO COMPANY Bank of Midville with/into The First National Bank of Louisville

Louisville Midville
Louisville

11-20-86

BANK SOUTH WAYCROSS, INC.
First National Bank of Folkston with/into
Southern Bank

Waycross Folkston
Waycross

5-01-86

- 50 -

NAME OF AGENCY

INTERNATIONAL BANK AGENCIES

LICENSE NO.

ISSUED

RENEWED

Barclays Bank PLC

1

(England)

The Bank of Nova Scotia

2

(Canada)

The Bank of Nova Scotia

International Limited

(Bahamas)

Algemene Bank Nederland

3

N.V.

(Netherlands)

Swiss Bank Corporation

4

(Switzerland)

Canadian Imperial Bank

5

of Commerce

(Canada)

Commerzbank

6

Aktiengesellschaft

(Federal Republic of

Germany)

Credit Suisse

7

(Switzerland)

The Toronto-Dominion Bank

8

(Canada)

Lloyds Bank International

9

(England)

Kredietbank, N.V.

10

(Belgium)

Credit Lyonnais

11

(France)

Bayerische Vereinsbank AG

12

(Union Bank of Bavaria)

(West Germany)

Standard Chartered Bank

13

(England)

6-11-76 6-11-86

5-27-77 7-01-86

5-27-86

6-24-77 6-24-86

7-14-77 7-14-86 4-05-78 4-05-86

10-31-78 10-31-86

11-27-78 11-27-86 2-23-79 2-23-86 4-13-79 4-13-86 3-20-80 3-20-86 11-06-80 11-06-86 12-01-80 12-01-86
10-19-81 10-19-86

TOTAL GEORGIA ASSETS
(In Thousands)

$

3,146

1,189,512 7,416

76,053

216,474 297,754

112,470

*
1,482,203 74,774
* *
19,505
157,390

- 51 -

INTERNATIONAL BANK AGENCIES (Continued)

NAME OF AGENCY

LICENSE NO.

ISSUED

RENEWED

TOTAL GEORGIA ASSETS (In Thousands)

Banca Nazionale del Lavoro (Italy)

14

2-09-82 2-09-86

Banque Indosuez France

15

3-28-83 3-28-86

National Westminister PLC (England)

16

7-03-84 7-03-86

The Sanwa Bank, Limited

17

11-14-84 11-14-86

(Japan)

National Bank of Canada

18

(Canada)

4-10-85 4-10-86

*Operating as Representative Office ONLY on December 31, 1986.

776' 650 * *
180,227 *

INTERNATIONAL BANK FACILITIES

PARENT BANK AND ADDRESS
The Citizens and Southern 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

LOCATION OF FACILITY
34 Broad St., N.W. Atlanta, GA 30303

PERMIT NO.
1

ISSUED 12-22-81

RENEWED 12-22-86

34 Peachtree St., N.W. Atlanta, GA 30303
2 Peachtree St., N.W. Atlanta, GA 30303
25 Park Place, N.E. Atlanta, GA 30302

2

1-06-82 1-06-86

3

1-26-82 1-26-86

4

2-02-82 2-02-86

Banca Nazionale del Lavora
Rome, Italy
Bank South, N.A. Atlanta, GA 30303

235 Peachtree St., N.E. Suite 2000 Atlanta, GA 30303
55 Marietta St. Atlanta, GA 30303
- 52 -

7

10-24-83 10-24-86

9

12-28-84 12-28-86

REPRESENTATIVE OFFICES OF INTERNATIONAL BANKS

NAME AND ADDRESS OF PARENT

OFFICE LOCATION

National Australia Bank Limited Melbourne, Australia . . . . .

Atlanta

The Bank of Tokyo, Ltd. Tokyo, Japan

Atlanta

The Industrial Bank of Japan, Limited Tokyo, Japan

Atlanta

The Fuji Bank, Limited Tokyo, Japan

Atlanta

The Sumitomo Bank, Limited Osaka, Japan . . . . . .

Atlanta

The Dai-Ichi Kangyo Bank, Ltd. Tokyo, Japan . . . . .

Atlanta

The Mitsui Bank, Limited Tokyo, Japan

Atlanta

The Tokai Bank, Ltd. Nagoya, Japan

Atlanta

Vereins-und Westbank, AG Hamburg, West Germany .

Atlanta

Deutsche Genossenschaftsbank (DG Bank)
Frankfurt, West Germany . .

Atlanta

Nederlandsche Middenstandsbank NV (NMB Bank)
Amsterdam, Nederlands . . . . .

Atlanta

- 53 -

REPRESENTATIVE OFFICES OF DOMESTIC BANKS

NAME AND ADDRESS OF PARENT BANK

Albuquerque Federal Savings and Loan Association

Albuquerque, New Mexico . .

. .....

American National Bank &Trust Co. of Chattanooga

Chattanooga, Tennessee. . .

.......

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

Amity Bank Woodbridge, Connecticut

Bancplus Savings Assn. Houston, Texas

BankAmerica Corporation San Francisco, California

Bank of Boston Corporation Boston, Massachusetts .

The Bank of Tokyo Trust Company New York, New York. . . . . .

Bankers Trust Company New York, New York.

Bank Western Federal Savings Bank Denver, Co 1orado. . .

Beneficial Corporation Wilmington, Delaware.

Chemical New York Corporation New York, New York. .

Chevy Chase Bank, FSB Chevy Chase, Maryland

Citicorp New York, New York.

Coast Savings and Loan Association Los Angeles, California . . . .

Collateral Investment Co. Birmingham, Alabama . .

Commonwealth Savings Association Houston, Texas . . . . . . . .

OFFICE LOCATION Atlanta Atlanta State Farm Agents Various Columbus Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Various Atlanta Macon Atlanta Atlanta Atlanta Atlanta Mail Only

- 54 -

REPRESENTATIVE OFFICES OF DOMESTIC BANKS (Continued) NAME AND ADDRESS OF PARENT BANK

OFFICE LOCATION

Continental Illinois National Bank
and Trust Company of Chicago Chicago, Illinois

Dominion Federal Savings and Loan Association

Mclean, Virginia. . .

. ...... .

First Alabama Bancshares, Inc. Montgomery, Alabama . . . . .

First American Savings Bank, FSB Greensboro, North Carolina.

First Chicago Corporation Chicago, Illinois

First Columbia Bank Martinez, Georgia

First Federated Savings Bank North Palm Beach, Florida

First Gibralter Mortgage Corp. Dallas, Texas . . . . .

First Illinois Corporation Evanston, Illinois . . .

First Mutual Savings Association of Florida

Pensacola, Florida. . . . . .

. ...

First Southern Mortgage Corporation Mobile, Alabama . . . . . . . . .

Georgia Railroad Bank & Trust Company
Augusta, Georgia . . . . . . . . .

Great Western Financial Corporation Beverly Hills, California . . . . I I I I I I 0 I I I I I

Heritage Bancshares, Inc.

Atlanta, Georgia . . .

1

I

I

1

1

1

1

I

1

I

I

I

I

I

I

I

I

Irving Bank Corporation New York, New York .

I

I

I

I

I

I

I

I

I

I

I

I

I

I

I

Irving Savings & Loan Assoc.
North Haledon, New Jersey

Atlanta Marietta Norcross Columbus Albany
Atlanta
Atlanta
Martinez
Atlanta
Atlanta
Various
Atlanta Atlanta Savannah
Augusta
Atlanta Marietta Fayetteville
Atlanta
Atlanta

- 55 -

REPRESENTATIVE OFFICES OF DOMESTIC BANKS (Continued)
NAME AND ADDRESS OF PARENT BANK
Manufacturers Hanover Corporation New York, New York. . . . . . .
Marine Midland Bank (Delaware), National Association Wilmington, De 1aware . . . . . . . . . . . . . . .
Maryland National Bank Baltimore, Maryland
NCNB National Bank of North Carolina Charlotte, North Carolina . . . .
Pickens County Bank Jasper, Georgia .
Provident National Bank Philadelphia, Pennsylvania.
Savings Financial Corporation Lake Jackson, Texas . . .
Security Pacific Corporation Los Angeles, California .
Standard Federal Savings and Loan Association of Gaithersburg, Maryland
Gaithersburg, Maryland. . . . . .
Trust Company of Georgia Atlanta .....
Union Trust Bancorp Baltimore, Maryland
United Virginia Bank Richmond, Virginia.

OFFICE LOCATION
Various Atlanta Marietta Atlanta Woodstock Atlanta Atlanta Various
Atlanta Various Various Atlanta

- 56 -

SUMMARY OF ACTIVITIES OF STATE CHARTERED CREDIT UNIONS

CHARTER APPLICATIONS APPROVED
NONE

APPLICATIONS FOR VOLUNTARY LIQUIDATIONS AND/OR MERGERS

NAME OF CREDIT UNION
AGH Employees' Amarlite Employees' Gaylord Employees'

LOCATION
Athens Atlanta Atlanta

ACTIVITY APPROVED COMPLETED

Merger Merger Merger

9-05-85 3-05-86 2-24-86

1-15-86 7-03-86 8-04-86

SUMMARY OF ADDITIONS AND DELETIONS DURING 1986

IN OPERATION JANUARY 1, 1986

159

CREDIT UNIONS OPENING DURING YEAR

+0

CREDIT UNIONS DELETED BY MERGERS AND LIQUIDATIONS

-3

TOTAL ACTIVE CREDIT UNIONS IN OPERATION DECEMBER 31, 1986

156

- 57 -

NAME OF CREDIT UNION

RECEIVERSHIP LIQUIDATIONS

LOCATION

CLOSED

RECEIVER OR DEPUTy RECEIVER

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

Augusta

3-09-79

GCUDIC
$15,719.88
-o-
1,ooo.oo

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

Atlanta 5-15-81

GCUDIC
$ 6,935.08
-o-
2,21o.oo

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

Atlanta 9-23-76

GCUDIC $22,257.64
-o-o-

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

Dalton 7-29-80

GCUDIC $ 320.06
300.00

- 58 -

COUNTY

LIST OF STATE CREDIT UNIONS NAME OF CREDIT UNION

CHARTER DATE

*TOTAL ASSETS

Albany Albany Albany Americus Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

Dougherty Dougherty Dougherty Sumter Clarke Clarke Clarke Fulton Fulton Fulton Fulton Fulton Fulton

Atlanta

Fulton

Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

Fulton Fulton Fulton Fulton Cobb Fulton Cobb

Atlanta Atlanta Atlanta Atlanta Atlanta

Fulton Fulton DeKalb DeKalb Fulton

Atlanta

Fulton

Atlanta

Fulton

Atlanta Atlanta Atlanta

Fulton Cobb Fulton

Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

Fulton Fulton Fulton Fulton Fulton Fulton Fulton DeKalb

* AMOUNTS IN THOUSANDS

Albany Federal Employees Keenan Phoebe Putney Employees' Sumter County Teachers Athens Division Dairy-Pak Athens Educators' A D Co. Employees American Freight System Employees AMILSCO Associated Atlanta City Employees Atlanta Coca-Cola Bottling Co.
Employees' Atlanta Cooperative Credit
Association Atlanta Postal Atlanta Railway Postal Clerks Atlanta Teachers Atlantic Steel Chevron Southern Delta Employees Employees Credit Union Swift and
Company The Federal Employees GPC Credit Association GTA Georgia Central Georgia Department of Human
Resources Georgia Department of Labor
(Formerly Georgia E.S.A.) Georgia Department of Public
Safety Georgia DOT Georgia International Georgia State Department of
Education Georgia Telco H M B Employees Hospital Authority Employees IBEW Local 613 Journal-Constitution Employees Mead Employees' Munford Employees Mutual Savings

12-14-33 12-29-36 5-15-74
4-04-36 3-07-29 3-25-57 5-18-59 4-10-53 11-07-80 2-24-60 1-23-56 8-30-28 5-04-73
2-02-39
11-03-25 3-15-28
11-26-26 11-26-26 11-23-33
3-08-40 4-27-33
3-31-30 6-10-74 10-01-75 5-01-36 7-30-51
1-05-40
6-22-70
11-19-51 12-10-62
3-15-54
12-06-43 1-11-73 5-15-46 7-21-80 4-30-28 4-30-28 6-14-73
12-23-33

3,724 856 827 232
3,095 739 258 537
17,256 45
20,569 12,698
8,462
400
280,599 14' 851 25,140 10,192 2,009
408,704 189
106,717 3,868 6,023
255,229 5,047
2,936
2,825
12,471 781
6,111
333,199 2,320
10,465 2,742 6,751 3,663 721
21' 851

- 59 -

CITY
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta
Augusta Augusta
Augusta
Bainbridge
Baldwin Brunswick Buford Calhoun Calhoun Carnesville Carrollton Cartersville
Chatsworth College Park Columbus
Columbus Columbus Columbus Columbus Columbus Columbus Columbus Columbus Cordele Cornelia Cornelia Cuthbert Dalton Dalton

LIST OF STATE CREDIT UNIONS

COUNTY

NAME OF CREDIT UNION

CHARTER DATE

Fulton DeKalb Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton
Richmond Richmond
Richmond
Decatur
Banks Glynn Gwinnett Gordon Gordon Franklin Carroll Bartow
Murray Fulton Musco gee
Musco gee Musco gee Musco gee Musco g e e Muscogee Musco gee Musco gee Musco gee Crisp Habersham Habersham Randolph Whitfield Whitfield

Piedmont Ho&pital Reliance Rich's Employees S. M. C. R. C. Sewell Employees Southern Freight Bureau Employees State Employees The Thrift United Family Employees US SAC Williams Bros. Employees' Savings
and Credit Association Health Center King Mill Savings & Credit
Association Richmond County Health Department
Employees Amoco Fabrics Company Credit
Association Fieldale Glynn County Federal Employees Lovable Calhoun-Gordon County Educators' Crown Crafts, Inc. Employees Bulldog Trucking Employees Fashion Star Stratton Industries Credit
Association Cumberland Credit Association Associated Grocers W. C. Bradley Employees'
Credit Association "CPC"
Columbus Coca-Cola Employees
Columbus Health & Hospital
Columbus Postal Columbus Regional Hospital Gas Light Employees Swift Tom's Credit Association Harris Employees Ethicon Statco Day Company Inc., Employees N. G. E. M. C. Tappan Employees

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 11-03-81 5-19-47 1-30-79 1-18-65 6-10-81 8-27-52 5-06-80

*TOTAL ASSETS
1,271 15,735 19,604
313 800 350 23,038 12,750 1,355 743 2,060
4,840 3, 711
316
1,493
1,945 3,388
147 364 316 545 119 290
325 711 193
28 85 1,458 17,128 141 294 1,124 1,196 489 2,163 862 28 653 111

* AMOUNTS IN THOUSANDS

- 60 -

LIST OF STATE CREDIT UNIONS

COUNTY

NAME OF CREDIT UNION

CHARTER DATE

*TOTAL ASSETS

Dalton
Decatur Decatur Decatur Decatur Decatur Doraville Douglas Dry Branch Dublin East Point East Point East Point East Point Fayetteville Fitzgerald Forest Park
Forest Park Fort McPherson Gainesville Gordon Griffin Hapeville Hapeville Hazlehurst
Hazlehurst
Helen
Jackson Jonesboro LaFayette Macon Macon Macon Macon Macon Macon Macon Macon Macon Marietta Marietta

Whitfield
DeKalb DeKalb DeKalb DeKalb DeKalb DeKalb Coffee Bibb Laurens Fulton Fulton Fulton Fulton Fayette Ben Hill Clayton
Clayton Fulton Hall Wilkinson Spalding Fulton Fulton Jeff Davis
Jeff Davis
White
Butts Clayton Walker Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Cobb Cobb

Whitfield County Postal Employees
Decatur Postal Employees Decatur Teachers GAE Members Kraft Employees The Woodco
F. D. & L. Employees
Coffee General Hospital Employees Georgia Kaolin Employees Dublin Federal Employees Colonial Employees East Point Municipal Employees Fulton Teachers Perry Communications Christian Churches P. H. P. Credit Association
Employees Savings & Credit
Assn.
** Sexton Atlanta Employees
Fort McPherson HCH Employees' White Gold
Launderers & Cleaners
Hapeville Auto Employees Hapeville Employees' H and S Employees Credit
Association Patchogue-Plymouth Employees
Credit Association
Orbit Savings & Credit
Association CGEMC Employees
Tara Roper LaFayette Employees' City Employees Federal Employees Georgia Kraft Employees Macon Firemen's Macon Oil Processors Macon Police Macon Water Works Medical Center of Central Georgia Smith and Sons Employees C-MAR Kennestone Regional

3-02-51
10-30-51 11-16-55 10-04-84 5-29-34
6-17-53 6-03-45 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 1-05-71 3-29-74 2-28-51 2-01-26 1-31-49 4-18-42 3-12-46 10-02-50 7-11-50 12-01-71 6-07-73 10-29-64 6-10-81

614
4,072 499 437
7,303 344
1,528 123 885
2,215 9,486
704 10,811
349 393 1,235 3,872
9,248 744 574
2,580 6,189
941 205
3,002
224
496 7,616
526 590 4, 019 5,619 598 1,450 495 174 2,789 474 8,045 3,886

* AMOUNTS IN THOUSANDS ** MERGER IN PROCESS

- 61 -

LIST OF STATE CREDIT UNIONS

Mcintyre Milledgeville Milledgeville Montezuma Moultrie
Moultrie Nashville
Norcross Norcross Pine Mountain Ringgold Rome Rome Rome Savannah
Savannah Savannah Savannah
Savananh Savannah Savannah Savannah Savannah Savannah Sea Island Statesboro
Tallapoosa Thomasville
Thomasville Toccoa Toccoa Valdosta
Valdosta Valdosta Warner Robins Wrens

COUNTY
Wilkinson Baldwin Baldwin Macon Colquitt
Colquitt Berrien
Gwinnett Gwinnett Harris Catoosa Floyd Floyd Floyd Chatham
Chatham Chatham Chatham
Chatham Chatham Chatham Chatham Chatham Chatham Glynn Bulloch
Haralson Thomas
Thomas Stephens Stephens Lowndes
Lowndes Lowndes Houston Jefferson

NAME OF CREDIT UNION
Engelhard Employees Baldwin County Hospital Employees Central State Hospital Southern Frozen Foods Employees Employees Credit Union, C/0 New
Sipco, Inc. Moultrie Container Employees Nashville Mills Employees
Association Genuine Parts Rock-Tenn Company Employees Callaway Gardens Salem Carpet Mills Floyd County Postal Employees Northwest Georgia Rome Kraft Employees Family Lines Credit Union of
Savannah
G. P. A.
Health Employees Chatham County Savannah Electric and Power
Employees Savannah Federal Savannah J-Mers Savannah Postal Savannah Regional Hospital Southern States Employees Workmen's Circle Sea Island Employees Central Ogeechee River Educators
(CORE) Dixisteel Davis Employees Credit
Association Flowers Employees Credit League North Georgia Wright Manufacturing Employees South Georgia Area Public
Employees Valdosta Educators Valdosta Onized Warner Robins Employees Georgia-Tennessee Mining and
Chemical Employees

CHARTER

*TOTAL

DATE

~

3-04-80 1-06-58 8-28-52 ll-22-72 4-24-33

255 735 7,501 368 136

3-01-83 11-21-72

290 3,139

1-25-37 7-30-74 7-26-77 7-06-73 4-17-26 11-25-81 3-31-55 12-29-28

1,872 2,021
457 1,140
903 9,556 7,540 5,293

ll-17-52 8-01-55 4-11-39

2,665 1,333 2,270

6-10-31 9-18-64 6-23-52 4-17-72 12-03-70 2-06-50 5-27-80 6-21-74

3,276 489
4,088 498 124
6,223 5, 708 2,698

4-13-62

752

10-13-70

491

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

8,989 5,178 2,441
821

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

1,559 11,248
1, 235 32

* AMOUNTS IN THOUSANDS

- 62 -

DEPARTMENT OF BANKING & FINANCE
STATE OF GEORGIA ABSTRACT REPORT OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA
AS OF DECEMBER 31, 1~86 WITH COt1PARATIVE STATEMENT AS OF DECEMBER 31, 1985
<Amounts in Thousands)

DEC. 31, /.TOTAL DEC. 31 /.TOTAL AMOUNT /.

1986 ASSETS

1985 ASSETS + OR - + OR -

NO. OF CREDIT UNIONS NO. OF PRIMARY MEMBERS

156 441,419

159 419,923

ASSETS

Cash & Demand Deposits$
u.s. Govt. Ob 1 i gat i on s
Corporate Credit Unions
Other Investments Net Loans fixed Assets Other Assets

42,417 343,010 329,885 327,985 855,512
9,692 17,765

2.2/. $
17.8~1.
17.1/. 17. 0~~ 44.4/.
. 5~~
.9/.

22,883 296,731 215,478
241 '149 752,266
7,636 16,569

1.5/. $ 19,534 19.1/. 46,279 13.9/. 114,407 15.5/. 86,836
48. 4~1. 103' 246 .5'/. 2,056
1.1/. 1,196

85.4/. 15. 6/. 53.1/. 36.0/.
13. 7'1. 26. 9'1.
7.2/.

TOTAL ASSETS

-$-1-,9--2-6-,2-6--6-

100.0/.
-----

$1,552,712
-----------

100.0/.
-----

$373,554
---------

24 .1/.
-----

LIABILITIES

Share Drafts <Demand Deposits)
Al 1 Other Deposits Div./Int. Payable Notes Payable Accounts Payable and
Other Liabilities

$ 93,327 4.8/. $ 67,937 4.4/. $ 25,390 37.4/.

1'70 1'488 7,021
5' 142 2,891
-----------

88.3/. 1,360,267

.4/.

7,568

.3/.

23,437

. 1/.

2,439

-----------

87.6/. 341 '221

.5/.

<547)

1. 5/. (18,295)

. 1/.

452

---------

25. 1/. -7.2'/. -78.1/. 18. 5'/.

TOTAL LIABILITIES EQUITY CAPITAL

$1,809,869 94.0/. $1,461,648 94 .1/. $348 '221 23. 8'1.
----------- ----- ----------- ----- ---------

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

$ 5,589

.3/. $ 4,818

.3/. $ 771

58,860 3. 1/.

48' 182 3. 1/. 10,678

51,948 2.7/.

38,064 2.5/. 13,884

-----------

-----------

---------

116,397 6. 0~~

91,064 5. 9"1. 25,333

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

-$1--'9-2--6-'2-6--6-

100.0/.
----------

-$-1-,5-5--2-,7-1--2-

100 . 0~1.
-----

$373,554
-----------

16.0/. 22. 2'1. 36.5/.
27.8/.
24. 1/.

- fi3 -

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, 1986 AND DECEMBER 31, 1985 <Amounts in Thousands)

OPERATING INCOME

DEC. 31 % TOTAL 1986 INCOME
---------- -----

DEC. 31 % TOTAL 1985 INCOME
---------- -----

AMOUNT
+ OR -

._.
-'
+ OR -

--------

Interest on Loans

$ 104,783

Income from Investments 66' 168

Other Income

5,473

59.4/. $ 37. 5~~
3.1~1.

95,381 60,333
4,241

59.6/. $ 37.7/.
2.n

9,402 5,835 1 '232

9.9% 9. 7'1. 29.0%

TOTAL OPERATING INCOME $ 176,424 100. 0~~ $ 159,955 100.0~~ $ 16,469

10.3~1.

OPERATING E><PENSES

Empl. Comp. & Benefits $
Office Expenses Interest on Borrowed
Money Other Expenses

15,804 7,724 125
10,232

9. 0/. $ 4.4/.
1/.
5. 8~1.

13,448 6' 142 17
9,251

8. 4~~ $ 3. 8~~
0~~

2,356 1 ,582
108

5.8/.

981

17.5% 25. 8'/. 635. 3/;
10 6~~

TOTAL OPERATING EXPENSES

$ 33,885 19.2~~ $ 28,858 18. 0~1. $ 5,027

17.4%

INCOME BEFORE RESERVE

TRANSFERS &

$

SECURITIES GAINS/

LOSSES

142,539

80. 8~1. $ 131 ,097

82. 0~1. $ 11,442

8. 7~1.

Net Reserve Transfer

9,020 5. 1/.

9,022 5.6/.

( 2) -.0/.

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

INCOME BEFORE SECURI- $ 133,519 75.n $ 122,075 76.3% $ 11,444 TIES GAINS/LOSSES

9.4~1.

Securities Gains/ Losses, Net

( 174) -. 1/~

1 ,338

( 1 '51 2) -11 3 . o~,~

NET INCOME AVAILABLE $ 133,345 75. 6;~ $ 123,413 77. Z~ $ 9, 932 FOR DIVIDENDS

8. 0~1.

Dividends/Interest on
Shares & Deposits

115,432 65.4/.

111 '220

4,212

3. s;~

NET INCOME RETAINED $ 17,913 10 .2~1. $ 12' 193

46.9/.

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

- 64 -

CITY Conyers Marietta Toccoa

LIST OF STATE-CI~TERED SAVINGS AND LOAN ASSOCIATIONS

COUNTY

NAME OF SAVINGS & LOAN

CHARTER DATE

BEGIN

TOTAL

BUSINESS ASSETS>'<

Rockdale Heritage Trust

8-14-81 9-27-83 20,960

Cobb Stephens

Cobb Savings and Loan Association
1st Franklin Savings & Loan Association

1-13-81 11-01-82 63,303 3-15-84 7-23-84 9' 911

LIST OF STATE-CHARTERED SAVINGS BANK

Winterville

Clarke

* AMOUNTS IN THOUSANDS

Southern Heritage Savings Bank

4-02-85 10-25-85 15' 120

SUMMARY OF ACTIVITIES OF STATE SAVINGS AND I~AN ASSOCIATIONS
NORTH GEORGIA SAVINGS AND LOAN ASSOCIATION, INC Canton, GA
Amendment of Articles of Incorporation, Approved October 22, 1986
( 1) Changed name from North GeorgiA Savings and Loan Association, Inc. to North Georgia Bank.
(2) Changed the status of the Corporntion from a State Savings and Loan Association to a State Bank.

- 65 -

SUMMARY OF AgJ;YJTI)':S OF STATE___~!VING_S__l\ND UlAN ASSOCIATIONS (Continued)
INVESTORS TRUST SAVINGS AND LOAN ASSOCIATION Duluth, GA
Amendment of Articles of Incorporation, Approved August 21, 1986
(1) Changed name from Investors Trust Savings and
Loan Association to Investors Bank & Trust.
(2) Changed the status of the Corporation from a State Savings and Loan Association to a State Bank.
(3) Acquired full trust powers.
MOUNTAIN SAVINGS AND LOAN ASSOCIATION Hiawassee, GA
Amendment of Articles of Incorporation, Approved March 28, 1986.
(1) Changed name from Mountain Savings and Loan to Mountain Bank of Georgia.
(2) Changed the status of the Corporation from a State Savings and Loan Association to a State Bank.
METRO SAVINGS BANK Sandy Springs, GA
Amendment of Articles of Incorporation, Approved May 19, 1986.
(1) Changed name from Metro Savings BAnk to Metro Bank.
(2) Changed the status of the CorporAtion from a State Savings Bank to a State Bank.
- 66 -

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITION OF STATE SAVINGS AND LOAN ASSOCIATIONS AS OF DECEMBER 31, 1986
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1985

ASSETS

*Dec 31, 1986 *Dec. 31, 1985 3 Association 6 Associations

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

$10,236 9,981 7,471
62' 711 (519) (969)
61,223 2,062
704 2,497
--------
$94,174
=========

$12,709 10,843 16,530
96,665 (713) (870)
95,082 5,177
630 3,086
---------
$144,057 ==========

Demand deposits of !PC - Domestic Time and Savings Deposits of !PC - Domestic Deposits of U. S. Government Deposits of SCM All Other Deposits Certified and Officers' Checks
Total Deposits Other Liabilities
TOTAL LIABILITIES
EQUITY CAPITAL

$17 '357 61,979
1 2 13 3,678
--------
$83,030
3,905
--------
$86,935 =========

$13,873
93,338
43
14' 829 619
3,614
---------
$126,316
4, 789
---------
5131,105 ==:::=======

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

52,774 4,455
10
--------
$7,239
=========
594,174

$4,950 8, 279
(277)
---------
512,952 ==========
5144,057

* AMOUNTS IN THOUSANDS

- 67 -

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES OF STATE SAVINGS AND LOAN ASSOCIATIONS IN GEORGIA
FOR CALENDAR YEARS ENDING DECEMBER 31, 1986 AND DECEMBER 31, 1985

INTEREST INCOME Interest and Fees on Loans Income From Lease Financing Receivables Interest on Balances with Depository Institutions Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell Interest and Dividends From Securities
TOTAL INTEREST INCOME
INTEREST EXPENSE Interest on Deposits Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase Interest on Other Borrowed Money Interest on Subordinated Notes and Debentures
TOTAL INTEREST EXPENSE
NET INTEREST INCOME
TOTAL NONINTEREST INCOME
OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy Expense of Savings and Loan Premises, Furniture and Equipment Expenses Other Non1nterest Expenses
TOTAL OVERHEAD EXPENSES
PROVISION FOR LOAN LOSSES
SECURITIES GAINS AND LOSSES
NET OPERATING INCOME BEFORE TAXES
APPLICABLE INCOME TAXES
NET OPERATING INCOME AFTER TAXES
EXTRAORDINARY INCOME OR EXPENSES, NET
NET INCOME
* AMOUNTS IN THOUSANDS

*Dec 31, 1986 *Dec. 31, 1985 3 Associations 6 Associations

S7,789 191

Sll, 863 43 197

590 709
---------
S9,279

1. 011
936
---------
S14,050

S4,515
307 0 0
---------
S4,822
4,457
3,430

S8,178 97
173 0
---------
S8.448
5,602
2.205

2,980 1 '512
0 1. 906
---------
S6,398
448
252
1. 293
562
731
0
---------
S731 ==========

3,591 1 '000
2,786
---------
S7. 377
627
0
( 197)
132
(329)
0
---------
($329)
===::::======

- ~ 8 --

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITION OF STATE SAVINGS BANKS AS OF DECEMBER 31, 1986
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1985

ASSETS

>'<Dec. 31, 1986 1 Savings Bank

'"Dec. 31, 1985 2 Savings Banks

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

$ 1,507 1,821
500 10,307
(95)
0
10,212
816
0
264 $ 15' 120
========

$ 6,177 3,544
1,660 27,441
(253)
(16)
27,172
1,087
0
481 $40,121
-- -------------

Demand Deposits of IPC - Domestic
Time and Savings Deposits of IPC - Domestic
Deposits of U. s. Government
Deposits of SCM
All Other Deposits Certified and Officers ' Checks
Total Deposits
Other Liabilities
TOTAL LIABILITIES

$ 939 11' 55 7 8 222 159 1
$ 12,886 720
$ 13,606

$ 894 32,536 0 373 100 46
$33,949 2 007
$35,956

EQUITY CAPITAL

Common Stock Surplus Undivided Profits and Capital Reserves TOTAL EQUITY CAPITAL

$ 1' 308 262
- _________i_ill $ 1,514

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

TOTAL LIABILITIES AND EQUITY CAPITAL

$ 15,120

$ 40,121
-- -------------

* AMOUNTS IN THOUSANDS

- 69 -

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES OF STATE SAVINGS BANKS IN GEORGIA
FOR CALENDAR YEARS ENDING DECEMBER 31, 1986 AND DECEMBER 31, 1985

*Dec. 31, 1986 *Dec. 31, 1985 1 Savings Bank 2 Savings Banks

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

$ 779
0
34
121
117
$ 1,051

$ 2,058
0
842
147
69 $ 3, 116

INTEREST EXPENSE

Interest on Deposits

715

Expense of Federal Funds Purchased and

0

Securities Sold Under Agreements to

Repurchase

Interest on Other Borrowed Money

0

Interest on Subordinated Notes and Debentures

53

TOTAL INTEREST EXPENSE

$ 768

$ 2,138
0
3 0
$ 2,141

NET INTEREST INCOME

283

975

TOTAL NONINTEREST INCOME

268

39

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

311 39
274 $ 624
90

465
225
299
$ 989
260

SECURITIES GAINS OR LOSSES

0

0

NET OPERATING INCOME BEFORE TAXES

( 163)

(235)

APPLICABLE INCOME TAXES

0

0

NET OPERATING INCOME AFTER TAXES

(163)

(235)

EXTRAORDINARY INCOME OR EXPENSES, NET

0

0

NET INCOME

$(163)

$ ( 235)

* AMOUNTS IN THOUSANDS

- 70 -

FIRMS AUTHORIZED TO SELL CHECKS 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 Loan Associations and State Credit Unions is included herein. A listing of Federal Savings and Loan Associations, Federal Savings Banks, and Federal Credit Unions may be obtained from the appropriate Federal regulatory agency; i.e., Federal Home Loan Bank of Atlanta, National Credit Union Administration.

LOCATION

TOTAL NO. OF GEORGIA AGENTS

American Express Travel Related

New York, NY

799

Services Company, Inc.

Atlanta Cash It Here, Inc.

Atlanta, GA

0

(Discontinued Sales)

BA Cheque Corporation &
BankAmerican Corporation

San Francisco, CA

303

Barclays Bank PLC

New York, NY

277

The Chase Manhattan Corporation

New York, NY

0

(Acquired By Barclays Bank PLC)

The Circle K Corporation

Phoenix, AZ

50

Citicorp & Citicorp Service, Inc.

Chicago, IL

225

Comdata Network, Inc.

Nashville, TN

216

Deak Georgia, Inc.

Atlanta, GA

0

First Security Money Orders, Inc.

Beaufort, SC

0

(Discontinued Sales)

Munford, Inc.

Atlanta, GA

193

National Money Orders, Inc.

Houston, TX

35

Republic Money Orders, Inc.

Dallas, TX

577

Societe Francaise du Cheque de Voyage

New York, NY

10

Swiss Bank Corporation

New York, NY

Thomas Cook, Inc. Travelers Express Company, Inc.

Princeton, NJ Minneapolis, MN

85 1,276

Travellers Cheque Associates Ltd.

New York, NY

14

- 71 -

GEORGIA CREDIT UNION DEPOSIT INSURANCE CORPORATION STATEMENT OF ASSETS AND LIABILITIES

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

12-31-86

12-31-85

$ 9,242 7,961,371 0 2,333 21,217 44,940
$8,039,103

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

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

$ 15,887 5,066,292 2, 956,924
$8,039,103

$ 11,936 4,280,066 2,543,412 $6,835,414

- 72 -