Sixty-ninth annual report [1988]

Department of Banking and Finance
State of Georgia Atlanta
Sixty-Ninth Annual Report Year Ending December 31, 1988
E.D. "Jack" Dunn Commissioner
Robert M. Moler Deputy Commissioner

TABLE OF CONTENTS
History of Department. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . i Summary of Condition and Structural Changes.............................. ii Official Roster. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv Field Examiners... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . v Staff Photographs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . vi District Map ............................................................. xiii Receipts and Disbursements ............................................... xiv Legal Holidays.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xv
Activities of State-Chartered Banks:
Articles of Incorporation for Banks Approved.......................... 1 Permits Issued for Banks to Begin Business............................ 1 Articles of Incorporation for Banks Disapproved....................... 1 Applications Approved for Banks to Change Name........................ 2 Mergers of State and National Banks................................... 2 State-Chartered Banks in Liquidation.................................. 2 Miscellaneous Applications to Amend
Articles of Incorporation Approved................................. 3 List of State and National Banks...................................... 5 Abstract of Reports of Condition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Comparative Statement of Earnings and Expenses ........................ 18

TABLE OF CONTENTS
Activities of Bank Offices, Branches, and Facilities of State-Chartered Banks:
List of Branch Banks ................................................. 19 Bank Offices, Branches, and Facilities Opened ........................ 22 Bank Offices, Branches, and Facilities Approved But Unopened ......... 23 Bank Offices, Branches, and Facilities Closed . . . . . . . . . . . . . . . . . . . . . . . . 23
Activities of Financial Holding Companies:
Financial Holding Companies Approved................................. 24 Financial Holding Companies Deregistered. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Applications Approved for Financial Holding Company
Subsidiaries to Merge Across County Lines......................... 25 Registered Financial Holding Companies and
Their Financial Subsidiaries...................................... 26
Activities of International and Domestic Banks:
International Bank Agencies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 International Bank Facilities........................................ 44 Representative Offices of International Banks........................ 44 Representative Offices of Domestic Banks............................. 45
Summary of Activities of Financial Institutions During 1988........ .. . . . 47

TABLE OF CONTENTS
Activities of State-Chartered Credit Unions:
Charter Applications Approved ......................................... 48 Applications for Liquidations and/or Mergers.......................... 48 Summary of Additions and Deletions During 1988........................ 48 Receivership Liquidations..... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 List of State-Chartered Credit Unions ................................. 50 Applications for Name Change Approved................................. 55 Abstract of Report of Condition..... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 56 Comparative Statement of Earnings and Expenses........................ 57
Activities of State Savings Bank:
List of State-Chartered Savings Bank. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 58
Firms Authorized to Sell Checks - Authorized by Commissioner Sale of Checks Act. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59
Georgia Credit Union Deposit Insurance Corporation Statement of Assets and Liabilities................................... 60

HISTORY OF THE DEPAR'IMENT 1919 . . 1988
The Depa.rt:rrent of Banking and Finance was created by the Ex-
ecutive Reorganization Plan of 1972 as successor to the Departrrent of Banking. The original Department of 13a.nking was created
by Act of the Legislature in 1919 concurrent with the enactrrent of The Banking Law which deals with the in-
corporation of banks and the regulation of the business of banking. Since the establishment of the Department in 1919, additional responsibilities have been assigned to the agency in the fonn of the Ceorgia Credit Union Act (1925); Trust Ccxnpany Laws of Ceorgia (1927); Ceorgia Sale of Checks Act (1965); Regulated Certificated :sank Act (1966) ; The Fiduciary Investrrent Company Act (1970); International Bank Agency Act (1972); and Ceorgia Business Developnent
Co:rporation 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 13a.nks and transferred to the Department the
supervision of State-chartered building and loan associations. All of the foregoing Acts were subject to substantial recodification in the form of the Financial Institutions Code of Ceorgia (1974) which becarre effective April
1, 1975. Provisions of Title 7 of the Code of Ceorgia relating to Branch 13a.nking and Bank Holding Companies were substantially arrended effective July 1, 1976 to pennit :rmllti-bank holding companies under Depa.rt:rrental superVlslon. The Ceorgia Credit Union Deposit Insurance Corporation (GCUDIC) was established pursuant to a 1974 Act of the Ceneral Assembly under the supervision of the Department. roiDIC insures deposits of certain Statechartered credit unions. llist recently, bank holding companies have been pennitted to expand within a ten state southeastern region under the Departrrent' s supervision.
-i -

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1988

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 320 state-chartered banks, one trust company, 57 national banks, one national trust company, 137 state-chartered credit unions, one state-chartered savings bank, and 16 licensed money order companies operating in this State, and other statistical information made available through the examination, investigation and licensing of financial institutions and others under the supervision of the Department of Banking and Finance. The purpose of this report, required by Section 7-1-74 of the Official Code of Georgia Annotated, is to provide factual and statistical information that might prove useful to the financial industry and may be used by individuals and financial institutions who might be engaged in economic studies or might otherwise be interested in the evolution of Georgia's Banking Structure.

BANKING DIVISION

The year-end call reports reflect a continuation of sound economic growth in the banking system. Total assets for the national and state-chartered banks amounted to $59,088,000,000 reflecting an increase of $5,463,000,000 or 10.09% over 1987 assets. Amounts do not include trust company assets.

Expansion of State-chartered banks through new banks, bank offices and facilities continued. An additional 22 banks and 52 banking offices and facilities opened during 1988. Nine offices closed or merged into national banks bringing the total of state bank offices to 463.

During 1988, the Department approved 35 applications by bank holding companies and four applications for savings and loan association (savings bank) holding companies, for permission to acquire controlling interest in additional Georgia banks, bank holding companies or savings and loan associations (savings bank). Twenty of these applications were approved to establish new bank holding companies.

Twenty-two international bank agencies and ten 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

- ii -

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

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1988

Employee 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 seven Articles of

Amendment creating authorized but unissued shares to be

issued in the future. Seventeen banks were granted

permission to issue authorized but unissued shares through

stock dividends or sales. Amendments were approved for

four banks to change the par value of its shares, for four

banks to change their names, for one bank to exercise

trust powers, and for five banks to restate Articles.

Permissior. was granted for one bank to issue subordinated

securities, and for three banks to retire subordinated

securities.

Credit Unions operating under state charter have

experienced steady growth during 1988.

Consolidated

financial and statistical reports of the 137

state-chartered credit unions reflect an increase in total

assets of $152,401,000 or 6.6% to a total of

$2,358,017,000. 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.

At year-end the Georgia Credit Union Deposit Insurance Corporation had total resources of $10,214,803 and insured deposits of 106 credit unions.

The Department of Banking and Finance supervises the licensing of check sellers pursuant to the Georgia Sale of Checks Act enacted in 1965. Sixteen companies with a total of 4,387 agents throughout the State were licensed to do business under the Act during 1988.

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~, Tntehnat~onal Bank Agen~~e~, TkU~t~

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

Cked~t Un~on~, Bu~ld~ng and Loan A~~o~~at~on~, Che~k Selleh~

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

Coohd~natoh fioh Tka~n~ng, Edu~at~on A~t~v~t~e~

and EVP Opehat~on~

Georgia G. High, CFE. .

Assistant Deputy Commissioner

Melinda G. Kinard, CFE.

.Assistant Deputy Commissioner

Grace M. Lurry

Assistant Deputy Commissioner

Larry S. Moor, CFE.

Assistant Deputy Commissioner

Wayne M. Orr, CPA .

Assistant Deputy Commissioner

George A. Reynolds, CFE/CPA

Assistant Deputy Commissioner

Ralph J. Shire

Assistant Deputy Commissioner

C. Craig Smith, CFE . . . .

Assistant Deputy Commissioner

Exam~nat~on Repoht Rev~ew, Hold~ng Compan~e~, Relo~at~on~, Mehgeh~

and Otheh Appl~~at~on~, Se~uh~t~e~ Apphoval~,

Con~umeh Afifia~h~, Te~hn~~al and Legal

Barbara Moore . .

. . . . Accountant

Dianne Blackstone

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

Programmer Analyst

Vepahtmental Sy~tem~ Adm~n~~that~on and Phoghamm~ng

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

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

Cokpohate Matteh~, Con~umeh Afifia~h~, Pend~ng Appl~~at~on~,

Vepahtmental Bullet~n, Stat~~t~~al Repoht~,

TeQhn~~al and Legal

Maggie Smith

Personnel Manager

Peh~onnel

Sonja Hencely

Secretary to Commissioner/Deputy Commissioner

Appo~ntment~, Confiehen~e~ and Sem~nah~, Tnfiohmat~on,

Fohm~ and Appl~~at~on~

Janet Anderson . . . . . . . . . . . . . . . . . . . . . Senior Secretary Typist

Susan Brown . .

Principal Secretary

Judy Carter . .

.Senior Secretary Typist

Renate Carroll.

. .Accounting Technician

Rhoda Barcan

Senior Secretary Typist

Marilyn Fuller

Principal Secretary

Marilou Harvey

Principal Secretary

Darlene Hayes .

Clerk Transcriber

Vacant . . . .

. . . . Senior Clerk

Vacant . . . . . . . . . . . . . . . . . . . . . . . . . . . . Computer Operator

Brenda Phillips

.Senior Secretary Typist

Bonnie Steele . . . . . . . . . . . . . . . . . . . . . . . . . Clerk Transcriber

- iv -

DISTRICT
1
MARIETTA

DISTRICT DIRECTOR Jackson D. Hardy, CFE

2

David A. Hancock, CFE

STONE MOUNTAIN

3
COLLEGE PARK
I
~
4
DUBLIN

C. Douglas Peugh, CFE Robert H. Callier, CFE

5
ALBANY VALDOSTA

Robley S. Rigdon, CFE

FIELD EXAMINERS
SENIOR EXAMINERS
William D. Atkins, CFE Drexel Beck, CFE James M. Brooks, CFE
Princess Brown Michael G. Killeen, CFE Ned W. Overby Robert J. Rosentreter E. Nanette Sisk Tracy D. Whitesides, CPA
Harry M. Brown Billie L. Reed Barry L. Rooks Larry E. Shelley Emory L. Stanford, CFE
Gary F. Ford, CFE Hubert C. Miller, CFE
Larry T. Duke, CFE R. Larry Herndon, CFE D. Ray Johnston Michael A. Rosser, CFE

EXAMINERS
Robert M. Braswell Ernest D. Coats Ronald F. Furukawa Victor A. Greene Larry J. Moody
Janet Blackmon Kenneth D. Dawson Jenny L. Neville
Angela Ruddick Kevin M. Sharpe Sandra Sheley

ASSISTANT AND SENIOR ASSISTANT EXAMINERS
Clarence Ford Ira Goolsby Teresa H. Johnson Paul a McGill
Lori A. Binford M. Joel Byers Harold J. Carney Marilyn Harris Pamela Stewart Vernon Tanner
Danny D. Adkins Mayra Barzaga James D. Garrett Rebecca Haigler

Vicki L. Brantley Gary E. Fields, CPA Dianne Hickman Michael F. Hooks Steve H. Powell

C. Todd Ho 11 i s Wesley Morris Jane Roche Hersha Screws

Gregory S. Bell

Terry Tucker

Wendy B. Carter

Eugene S. Cline

Joyce R. Jones

Gregory 0. Lowe

John F. Sutphin, III, CFE

6
DOUGLAS SAVANNAH

Norman E. Mimbs

James F. Mills, CFE

Patrick T. Brahana

Billy S. Wilson, Jr., CFE David T. Widincamp

Ma.l co 1m Keith Gregory Larimore Timothy Osment Danny E. Watkins Ricky Watkins Billy C. Wilson, Sr

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. Adkins

Janet W. Anderson

William D. Atkins

Rhoda Barcan

Mayra Barzaga

Drexel Beck

Gregory S. Bell

Jeannine Benefield

Lori A. Binford

Janet Blackmon

Dianne Blackstone

Patrick T. Brahana

Vicki L. Brantley

Robert M. Braswell

James M. Brooks

Harry M. Brown

Princess Brown

Susan Brown

Victoria Busby

M. Joel Byers

Robert H. Callier

Harold J. Carney

Renate Carroll

Judy Carter

Wendy B. Carter

Eugene S. Cline

Ernest D. Coats

Kenneth D. Dawson

Larry T. Duke

Gary E. Fields

Clarence Ford

Gary F. Ford

Marilyn L. Fuller

Ronald F. Furukawa

James D. Garrett

Ira D. Goolsby

Victor A. Greene

Rebecca Haigler

David A. Hancock

Jackson D. Hardy

Marilyn Harris

Marilou Harvey

Darlene Hayes

Sonja Hencely

R. Larry Herndon

Dianne Hickman

Georgia High

C. Todd Hollis

.L /
Michael Hooks

Teresa H. Johnson

D. Ray Johnston

Joyce R. Jones

Malcolm Keith

Michael G. Killeen

Melinda G. Kinard

Gregory Larimore

Gregory 0. Lowe

Grace M. Lurry

Paula McGill

Hubert C. Miller

James F. Mills

Norman E. Mimbs

Larry J. Moody

Larry S. Moor

Barbara U. Moore

Wesley Morris

Jenny L. Neville

Wayne Orr

Timothy Osment

Ned W. Overby

C. Douglas Peugh

Brenda Phillips

Billie L. Reed

George A. Reynolds

Robley S. Rigdon

Jane Roche

Barry L. Rooks

Robert J. Rosentreter

Michael A. Rosser

Angela E. Ruddick

I
Hersha J. Screws

Kevin M. Sharpe

Sandra Sheley

Larry E. Shelley

Ralph J. Shire

E. Nanette Sisk

C. Craig Smith

Maggie Smith

David G. Sorrell

Emory L. Stanford

Bonnie C. Steele

Pamela Stewart

m John F. Sutphin,

Vernon Tanner

Terry Tucker

><
1-' 1-'

Danny E. Watkins

Ricky Watkins

Tracy D. Whitesides

David T. Widincamp

Billy C. Wilson, Sr.

Billy S. Wilson, Jr.

EXAMINATION DISTRICTS AND DISTRICT WORK AREAS

District 1 2 3 4 5
6

Location
Marietta Stone Mountain
College Park
Dublin
Albany Valdosta
Douglas Savannah

\

'.~t_::y

'=r"'" ! r-,,,, - ~.

Mil( H{ II

.\\N :l,l,ltl.M-~DlcAlii",,,~Ain.l- lliliMA' t. -- - -

Designates District Work Areas

Xi i i

RECEIPTS AND DISBURSEMENTS FISCAL YEAR - 1988

REVENUES COLLECTED
Bank Examination and Supervision Fees New Bank, Bank Office and Holding Company
Investigation Fees Credit Union Examination and Supervision Fees Sale of Checks Investigation and License Fees Building and Loan Examination, Supervision and
Investigation Fees Holding Company Examination and Supervision Fees Miscellaneous Fees and Fines
Total Revenues Collected and Remitted to Fiscal Division, Department of Administrative Services
DISBURSEMENTS
Personal Services Motor Vehicle Expense Supplies and Materials Repairs and Maintenance Travel Expense Motor Vehicle Equipment Purchase Printing Equipment Purchases Office Rent Computer Communications Miscellaneous
Total Disbursements
NET REVENUES OVER DISBURSEMENTS

$3,850,628.00
331,500.00 528,418.00
10,122.00
14,599.00 350,692.30
6 407.55
$5,092,366.85
=============
$4' 442' 541. 33 75,467.42 31,605.54 10,712.64
255,522.35 32,930.22 9,646.19 16,135.44
173,109.61 131,465.67
31,630,16 69,226.75
$5,279,993.32
=============
($187 ,626.47)

- xiv -

LEGAL HOLIDAYS

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.
State Government Offices closed fourth Friday in November and one additional day in association with Christmas observance as compensatory time for Lee and Washington Birthday observations which occur when the General Assembly is in session or in conflict with some other observation. Financial Institutions may close on these days in addition to the listed Legal Holidays.
- XV -

ARTICLES OF INCORPORATION FOR BANKS APPROVED

LOCATION

Commercial Bank of Georgia
International Trade Bank of Atlanta
Paces Bank & Trust
Georgia Bank and Trust Company of Augusta
First Community Bank & Trust First Columbus Community Bank & Trust Company
Crescent Bank and Trust Company
Independent Bank & Trust Company United Bank & Trust Company
Monogram Credit Card Bank of Georgia
Frederica Bank & Trust McDuffie Bank & Trust The Southside Bank & Trust Company

Atlanta Atlanta Atlanta Augusta Cartersville Columbus Jasper Powder Springs Rockmart Roswell St.Simons Island Thomson Union City

APPROVED
3-25-1988 3-30-1988 3-25-1988 9-02-1988 7-11-1988 3-08-1988 10-31-1988 2-12-1988 9-01-1988 2-16-1988 1-28-1988 3-28-1988 7-13-1988

PERMITS ISSUED FOR BANKS TO BEGIN BUSINESS

LOCATION

CHARTERED

OPENED

Commercial Bank of Georgia
Georgia Bank & Trust
The Community Bank of Carrollton
First Bank of Georgia
Citizens Bank & Trust Gainesville Bank & Trust
Community Trust Bank
Peoples Bank, Lavonia, Georgia
The Bank of Gwinnett County
Bank of Jefferson County
First Macon Bank & Trust Company
Georgia Security Bank
Walton Bank & Trust Co. Effingham Bank & Trust
First Rome Bank
Monogram Credit Card Bank of Georgia
Frederica Bank & Trust Tifton Bank & Trust Company
Citizens Bank and Trust, Inc.
The Southside Bank & Trust Company Waycross Bank & Trust
First Community Bank of Cherokee

Atlanta Calhoun Carrollton East Point Evans Gainesville Hiram Lavonia Lawrenceville Louisville Macon Marietta Monroe Rincon Rome Roswell St.Simons Island Tifton Trenton Union City Waycross Woodstock

6-14-1988 4-09-1987 11-06-1987 10-06-1987 10-07-1987 7-20-1987 2-18-1987 9-10-1987 9-08-1987 1-06-1988 5-22-1987 8-11-1987 7-17-1987 10-02-1987 11-25-1987 2-22-1988 2-24-1988 11-06-1987 12-04-1987 7-14-1988 9-04-1987 2-19-1987

6-20-1988 2-15-1988 6-15-1988 3-25-1988 10-07-1988 2-01-1988 2-02-1988 10-10-1988 4-21-1988 6-13-1988 7-15-1988 8-15-1988 8-15-1988 3-14-1988 10-03-1988 6-27-1988 12-12-1988 4-18-1988 1-18-1988 10-31-1988 6-01-1988 1-11-1988

ARTICLES OF INCORPORATION FOR BANKS AND/OR TRUST COMPANIES DISAPPROVED

LOCATION

The Cherokee Banking Company Georgia Trust Company

- 1-

Holly Springs Marietta

DISAPPROVED
12-12-88 9-16-88

-NAM-E -OF -BA-NK
First South Bank of Turner County The Peoples Bank of Buford Heritage Trust First Enterprise Bank First Fulton Bank & Trust

APPLICATIONS FOR BANKS TO CHANGE NAME APPROVED

LOCATION

CHANGE NAME TO

Ashburn Buford Conyers Lithonia Palmetto

First South Bank Peoples Bank & Trust The Citizens and Southern Bank of Conyers First Southern Bank Barnett Bank of Atlanta

APPROVED
5-31-88 5-06-88 12-29-88 7-01-88 9-01-88

-NAM-E -OF -BA- NK
North Georgia Bank 1 Barnett Banks, N.A. N Nichols State Bank 1 Richland Banking Company
State Bank & Trust Company

APPLICATIONS FOR MERGER OF STATE AND NATIONAL BANKS

LOCATION

MERGED WITH (SURVIVOR)

Canton Marietta Nicholls Richland Unadilla

The First National Bank of Atlanta
First Fulton Bank & Trust
Southeastern Bank Farmers State Bank Citizens Bank

LOCATION
Atlanta Palmetto Folkston Lumpkin Vienna

EFFECTIVE
3-31-88 10-21-88
8-01-88 11-10-88
9-30-88

The Hamilton Bank & Trust Co.,
Unpaid Claims due FDIC . . . . . . . Estimated Value of Remaining Assets
First Augusta Bank & Trust Co.,
Receivership terminated 9-22-88
Peoples Banking Co. Receivership terminated 11-3-88

STATE-CHARTERED BANKS IN LIQUIDATION

LOCATION

DATE CLOSED

Atlanta

10-08-76

Augusta Boston

05-20-77 03-17-81

DEPOSITORY NA
$2,419,507
-0-
NA
NA

MISCELLANEOUS APPLICATIONS TO AMEND ARTICLES OF INCORPORATION APPROVED

NAME OF BANK Citizens Trust Bank
Trust Company Bank
The Bank of Covington Capital Bank

LOCATION Atlanta
Atlanta
Covington Fort Oglethorpe

NATURE OF AMENDMENT
Restate Articles of Incorporation
Restate Articles of Incorporation
Waive Preemptive Rights
Relocate Main Office

APPROVED 3-10-88
4-19-88
3-17-88 10-28-88

Georgia First Bank Cobb American Bank and
Trust Company First Fulton Bank & Trust
First Merchant Bank Sea Island Bank
The Southside Bank & Trust Company

Gainesville Marietta Palmetto Pavo Statesboro Union City

Relocate Main Office
Restate Articles of Incorporation
Exercise Full Fiduciary Powers
Relocate Main Office
Restate Articles of Incorporation
Restate Articles of Incorporation

2-24-88 10-28-88
9-01-88 2-09-88 4-22-88 8-30-88

- 3-

APPLICATIONS TO AMEND ARTICLES OF INCORPORATION APPROVED (INDEMNIFICATION OF DIRECTORS LIABILITY)

Farmers and Merchants Bank The Buckhead Bank Georgia Bankers Bank Reliance Trust Company Trust Company Bank Trust Company Bank of Carroll County
Georgia Bank & Trust
Habersham Bank Cook Banking Company
Community Bank & Trust - Jackson
Trust Company Bank of Rockdale
Community Bank & Trust - Habersham Lanier Bank & Trust Company
Bank Atlanta Trust Company Bank of Coffee County Douglas County Bank Trust Company Bank of Douglas County Farmers and Merchants Bank The Citizens Bank
Gainesville Bank & Trust
Georgia First Bank The Gordon Bank Citizens Community Bank The Citizens Bank Trust Company Bank of Clayton County Bank of LaFayette Trust Company Bank of LaGrange Farmers and Merchants Bank Farmers State Bank First Columbia Bank Metter Banking Company Exchange Bank Ogeechee Valley Bank Central Gwinnett Bank First Gwinnett Bank Pelham Banking Company
The Northside Bank & Trust Company
Farmers and Merchants Bank of Senoia
First Bulloch Bank & Trust Company
Spivey State Bank The Park Avenue Bank The Citizens Bank
First Community Bank of Cherokee

LOCATION
Adel Atlanta Atlanta Atlanta Atlanta Bowdon Calhoun Clarkesville Cochran Commerce Conyers Cornelia Cumming Decatur Douglas Douglasville Douglasville Dublin Ft. Valley Gainesville Gainesville Gordon Hahira Hogansville Jonesboro LaFayette LaGrange Lakeland Lumpkin Martinez Metter Milledgeville Millen Norcross Norcross Pelham Roswell Senoia Statesboro Swainsboro Valdosta Vienna Woodstock

APPROVED
5-31-88 8-08-88 5-31-88 6-06-88 4-19-88 12-19-88 7-11-88 5-31-88 7-08-88 11-28-88 11-28-88 11-28-88 5-06-88 5-06-88 11-02-88 5-31-88 11-04-88 5-31-88 7-07-88 6-06-88 4-21-88 10-05-88 8-08-88 12-30-88 11-02-88 1-21-88 12-05-88 5-31-88 3-18-88 7-25-88 5-31-88 6-15-88 3-18-88 6-15-88 8-24-88 12-20-88 6-06-88 8-16-88 5-31-88 7-29-88 5-31-88 9-20-88 10-28-88

- 4-

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Abbeville Abbeville Adairsville Adel Adel Ailey Alamo Alapaha Albany Albany Albany Allentown I Alma Vl Alma 1 Alpharetta Americus Americus Arlington Ashburn Ashburn Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

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

Dorsey State Bank Wilcox County State Bank * Bank of Adairsville Adel Banking Company Farmers and Merchants Bank Montgomery County Bank Wheeler County State Bank Bank of Alapaha
First State Bank & Trust Company
Security Bank and Trust Company of Albany Trust Company Bank of South Georgia, N.A. The Four County Bank
Alma Exchange Bank & Trust
The First National Bank of Alma First Colony Bank Citizens Bank of Americus Sumter Bank and Trust Company Bostwick Banking Company Ashburn Bank First South Bank First American Bank and Trust Company Georgia National Bank Trust Company Bank of Northeast Georgia, N.A. Bank South, National Association Citizens and Southern Trust Company (Georgia) N.A. * Citizens Trust Bank Commercial Bank of Georgia Embry National Bank First American Bank of Georgia, N. A. First Union National Bank of Georgia * Georgia Bankers Bank NCNB National Bank

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

10-04-1972

4-22-1952

1

3-21-1899

1

2-27-1929

1

12-11-1947

2-24-1926

1

1-15-1945

1

3-04-1905

2

3-31-1961 10

4-17-1970

4

11-01-1945

8-18-1941

7-28-1981

2

2-15-1950

7-30-1984

1

2-20-1937

3

10-01-1973

2

8-27-1935

7-03-1900

2

7-27-1905

1

9-24-1949

4

1-04-1988

-1966

12-07-1909

2-11-1981

7-12-1921

6

6-14-1988

12-07-1987

6-11-1911

4-10-1969

1-18-1985

11-17-1952

TOTAL ASSETS (THOU)
2,953 14,299 22,095 30,882 25,904 33,294 14,325 28,109 274,641 100,147 193,088 19,146 35,629 40,309 48,785 65,854 79,954 13,436 57,542 42,328 79,401 20,233 256,307 3,882,068 59,704 120,083 28,984 22,242 1,721,424 4,161,750 80,517 382,988

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

NO. OF OFFICES

TOTAL ASSETS (THOU)

Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Augusta 1 Bainbridge (J\ Ball Ground 1 Barnesville Barnesville Barwick Baxley Blackshear Blackshear Blairsville Blairsville Blakely Blakely Blue Ridge Bowdon Braselton Brooklet Broxton Brunswick Brunswick Brunswick

DeKalb Fulton Cobb Fulton Fulton Fulton Cobb DeKalb Fulton Cobb Cobb Richmond Decatur Cherokee Lamar Lamar Brooks Appling Pierce Pierce Union Union Early Early Fannin Carroll Jackson Bulloch Coffee Glynn Glynn Glynn

Reliance Trust Company

2-11-1981

The Buckhead Bank

2-28-1986

2

The Business Development Corporation of Georgia,Inc 5-02-1973

The Enterprise National Bank of Atlanta

6-01-1987

The First National Bank of Atlanta

-1865

The Merchant Bank of Atlanta

5-18-1987

The Prudential Bank and Trust Company

7-20-1945

The Summit National Bank

3-10-1988

* Trust Company Bank

9-21-1891 51

Trust Company Bank of Cobb County, N.A.

1-30-1967

Vinings Bank & Trust, National Association

10-23-1987

Trust Company Bank of Augusta, N.A.

8-10-1871

The First Port City Bank

4-03-1974

1

Citizens Bank

9-28-1926

3

The First National Bank of Barnesville

4-02-1902

United Bank

4-14-1971

1

Barwick Banking Company

2-16-1967

Peoples State Bank & Trust

5-04-1966

Peoples Bank

8-01-1946

* The Blackshear Bank

7-07-1892

First National Bank of Union County

1-04-1982

Union County Bank

2-18-1949

1

Bank of Early

4-03-1941

First State Bank of Blakely

5-06-1937

1

Peoples Bank of Fannin County

5-27-1986

1

Trust Company Bank of Carroll County

9-22-1926

3

Braselton Banking Company

12-13-1948

Farmers & Merchants Bank

2-04-1948

2

Broxton State Bank

8-04-1966

American National Bank of Brunswick

The Coastal Bank of Georgia

10-30-1981

6

Trust Company Bank of Southeast Georgia, N.A.

-1894

1,208 87,048
43,978 7,947,463
34,705 1,075,243
28' 711 5,965,614
308,548 43,286
293,930 48,040 78,061 50,356 40,987 4,235 24,344 34,114 27,750 22,884 97,177 30,979 42,329 31,346 56' 915 5,356 42,190 18,862
208,418 90,581
303,662

*Member of Federal Reserve System

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Buchanan Buford Butler Byron Cadwell Cairo Cairo Cairo Calhoun Calhoun Camilla Camilla Canton
-....~ Canton Carnesville Carrollton Carrollton Carrollton Carrol ton Cartersville Cartersville Cave Spring Cedartown Chatsworth Chatsworth Chester Chickamauga Clarkesville Claxton Claxton Clayton Clayton

Haralson Gwinnett Taylor Peach Laurens Grady Grady Grady Gordon Gordon Mitchell Mitchell Cherokee Cherokee Franklin Carroll Carroll Carroll Carroll Bartow Bartow Floyd Polk Murray Murray Dodge Walker Habersham Evans Evans Rabun Rabun

The First National Bank of Haralson County
Peoples Bank & Trust
The Citizens State Bank Middle Georgia Bank Farmers State Bank Cairo Banking Company Citizens Bank First National Bank of Grady County Georgia Bank & Trust The Calhoun First National Bank Bank of Camilla Planters & Citizens Bank Bank of Canton Etowah Bank First Bank and Trust Carroll National Bank Citizens Bank and Trust of West Georgia The Community Bank of Carrollton 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 The Claxton Bank
Tippins Bank & Trust Company
Bank of Clayton Rabun County Bank

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

3-03-1909

12-20-1983

9-04-1926

10-30-1962

1

8-23-1972

1

11-23-1903

3

12-03-1903

1

6-19-1918

4-09-1987

1-12-1905

11-04-1889

9-20-1904

11-17-1892

3

1-22-1927

4

7-18-1960

1

4-04-1988

11-25-1946 10

11-06-1987

9-16-1946

6-07-1973

3

4-23-1984

3

12-15-1966

1-01-1920

7-17-1905

4

8-18-1975

6-14-1966

1

2-16-1910

1

5-13-1904

2

2-24-1941

2

8-30-1940

1

10-18-1984

1

5-01-1974

1

TOTAL ASSETS
(THOU)
50,645 47,380 28,636 54,771 22,149 58' 918 16' 113 43,222 36,379 122,900 42,631 49,762 142,708 145,076 44,398 20,438 96,943 13,198 124,952 59,163 46,315 11,517 67,138 82,710 42,030 11,662 31,354 124,828 42,148 24,945 116' 076 33,917

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Cleveland Cleveland Cobbtown Cochran Cochran Colquitt Columbus Columbus Comer Commerce Commerce Conyers Convers I Coo' lidge CXJ Cordele
Cordele Cornelia Cornelia Covington Covington Crawford Crawfordville Cumming Cumming Cuthbert Dahlonega Dahlonega Dallas Dallas Dalton Danielsville Darien

White White Tattnall Bleckley Bleckley Miller Musco g e e Musco g e e Madison Jackson Jackson Rockdale Rockdale Thomas Crisp Crisp Habersham Habersham Newton Newton Oglethorpe Taliaferro Forsyth Forsyth Randolph Lumpkin Lumpkin Paulding Paulding Whitfield Madison Mcintosh

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 Trust Company Bank of Columbus, N.A. Merchants and Farmers Bank of Comer, Georgia
Community Bank & Trust - Jackson
The First National Bank of Commerce Citizens and Southern Bank of Conyers Trust Company Bank of Rockdale Bank of Thomas County Cordele Banking Company First State Bank and Trust Company in Cordele Community Bank & Trust - Habersham First National Bank of Habersham First National Bank of Newton County The Bank of Covington The Commercial Bank The Peoples Bank Lanier Bank & Trust Company The Peoples Bank of Forsyth County First State Bank of Randolph County Bank of Dahlonega Lumpkin County Bank The Citizens Bank, Dallas, Georgia The First National Bank of Paulding County
Hardwick Bank & Trust Company
Bank of Danielsville The Darien Bank

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

12-11-1945

12-02-1975

2

6-24-1970

4-24-1942

12-22-1921

3-16-1973

2

12-24-1888 21

-1892

10-03-1935

2

5-28-1982

1

1-01-1904

08-14-1981

5

10-15-1891

4

12-18-1911

1

5-31-1927

1

12-31-1984

1

7-03-1900

5

12-09-1909

8-28-1963

4-10-1901

1

9-02-1924

12-08-1947

10-06-1986

1

12-20-1983

2

12-31-1958

1

5-27-1914

1

5-06-1981

7-23-1962

4

2-01-1922

2-17-1922

4

12-11-1904

1

12-08-1888

1

TOTAL ASSETS
(THOU)
89,587 64,660
6,327 22,608 41,827 29,339 859' 716 237,367 27,438 32,015 66,123 11,227 170,470 11' 003 51,537 54,751 98,091 100,870 74,883 145,976 23,143 19,534 37,756 65,226 29,107 106,014 20,583 69,653 108,078 210,895 24,895 33,214

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Dawson Dawson Dawsonville Decatur Decatur Dexter Donalsonville Donalsonville Douglas Douglas Douglas Douglasville 1 Douglasville ~ Douglasville 1 Douglasville Dublin Dublin Dudley Duluth Duluth East Point Eastman Eastman Eatonton Eatonton Edison Elberton Elberton Ellaville Ellijay Ellijay Evans

Terrell Terrell Dawson DeKalb DeKalb Laurens Seminole Seminole Coffee Coffee Coffee Douglas Douglas Douglas Douglas Laurens Laurens Laurens Gwinnett Gwinnett Fulton Dodge Dodge Putnam Putnam Calhoun Elbert Elbert Schley Gilmer Gilmer Columbia

Bank of Dawson Bank of Terrell Dawson County Bank Bank Atlanta Fidelity National Bank The Knight State Bank Commercial State Bank Merchants and Farmers Bank Bank South, Douglas Coffee County Bank Trust Company Bank of Coffee County
Citizens & Merchants State Bank
Douglas County Bank The Commercial 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
First Bank of Georgia Bank of Eastman
Citizens Bank & Trust Company Farmers & Merchants Bank
The Peoples Bank The Bank of Edison First National Bank in Elberton Granite City Bank Bank of Ellaville First State Bank of Gilmer County The Bank of Ellijay
Citizens Bank & Trust

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

6-29-1911

3-23-1936

1

7-01-1953

1

7-28-1986

2-12-1974

1-30-1967

10-21-1938

1

9-24-1925

2

5-11-1971

1

6-19-1931

5-22-1945

2

5-29-1986

5-18-1973

1

4-24-1942

6

8-11-1959

3

5-26-1910

3

7-31-1958

1

10-02-1905

2

1-31-1984

1-17-1984

10-06-1987

12-28-1918

3-13-1949

3

10-30-1922

3-16-1944

9-24-1904

3-12-1934

8-31-1984

3

9-10-1910

11-05-1973

1

5-21-1914

1

10-07-1987

TOTAL ASSETS
(THOU)
50,922 53,434 36,543 29,083 199,164 13,237 34,785 25,327 44,738 41,783 103,852 22,942 25,437 149,769 92,108 123,921 62,116 39' 311 55,457 58,432 28,787 59,021 60,023 46,976 37,708 26,486 104,216 104,295 21,204 41' 056 88' 072 11,899

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

Fairburn Fayetteville Fayetteville Fitzgerald Fitzgerald Folkston Forsyth Forsyth Fort Oglethorpe Fort Valley Fort Valley Franklin Gainesville Gainesville
S Gainesville
I Gainesville Gibson Glennville Glennville Gordon Gray Greensboro Greensboro Greenville Griffin Griffin Haddock Hahira Hahira Harlem Hartwell Hawkinsville

Fulton Fayette Fayette Ben Hill Ben Hill Charlton Monroe Monroe Catoosa Peach Peach Heard Hall Hall Hall Hall Glascock Tattnall Tattnall Wilkinson Jones Greene Greene Meriwether Spalding Spalding Jones Lowndes Lowndes Columbia Hart Pulaski

-NAM-E -OF -BA- NK
Fairburn Banking Company Farmers and Merchants Bank
First Bank & Trust Company
Bank South, Fitzgerald The Bank of Fitzgerald Southeastern Bank Monroe County Bank The Farmers Bank Capital Bank First South Bank, N.A. The Citizens Bank The Bank of Heard County
Gainesville Bank & Trust
* Georgia First Bank
The Citizens Bank The First National Bank of Gainesville Bank of Gibson First Citizens Bank The Glennville Bank and Trust Company The Gordon Bank Bank of Gray Bank of Greensboro Citizens Union Bank The Greenville Banking Company First National Bank of Griffin The Bank of Spalding County Jones County Bank Citizens Community Bank Commercial Banking Company Bank of Columbia County Bank of Hartwell Planters Bank

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

7-16-1984

2

2-16-1906

2

2-09-1984

5-24-1948

2

11-10-1975

1

12-12-1911

6

11-02-1908

1

3-09-1910

12-04-1963

2

10-11-1924

12-24-1906

1

10-14-1905

7-20-1987

4-24-1984

5-19-1913

5

-1889

11-07-1905

12-31-1942

1

1-12-1905

1

6-08-1946

8-23-1909

10-13-1926

3-09-1946

1

10-24-1887

5-12-1933

11-12-1986

7-14-1905

2-12-1927

1

1-29-1945

11-29-1909

2

5-15-1961

1

2-27-1896

1

TOTAL ASSETS (THOU)
74,114 110,134
35,496 50,409 60,915 110' 487 34,776 34,733 38,671 73,018 43,256 21,620 25,751 20,439 129,800 632,631 4,854 31,337 38,856 20,866 39,862 48,144 54,524 18,277 113' 768 30,569 3,530 24,482 13,201 60,299 40,925 42,546

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Hawkinsville Hazlehurst Hiawassee Hiawassee Hinesville Hinesville Hiram Hogansville Homer Homerville Irwinton Jackson 1 Jasper ,_.Jasper -Jefferson I Jeffersonville Jonesboro Kennesaw Kingsland Kingsland Lakeland Lavonia Lavonia Lawrenceville Lawrenceville Lawrenceville LaFayette LaGrange LaGrange LaGrange Leary Lenox

Pulaski Jeff Davis Towns Towns Liberty Liberty Paulding Troup Banks Clinch Wilkinson Butts Pickens Pickens Jackson Twiggs Clayton Cobb Camden Camden Lanier Franklin Franklin Gwinnett Gwinnett Gwinnett Walker Troup Troup Troup Calhoun Cook

The Pulaski Banking Company Bank of Hazlehurst Bank of Hiawassee * Mountain Bank of Georgia The Coastal Bank The Hinesville Bank Community Trust Bank The Citizens Bank Bank of Banks County Empire Banking Company Wilkinson County Bank Mcintosh State Bank Jasper Banking Company Pickens County Bank The First National Bank of Jackson County Peoples State Bank Trust Company Bank of Clayton County Commercial Exchange Bank American Bank of Southeast Georgia Citizens State Bank Farmers and Merchants Bank Northeast Georgia Bank Peoples Bank, Lavonia, Georgia The Bank of Gwinnett County * The Brand Banking Company Trust Company Bank of Gwinnett County The Bank of LaFayette, Georgia
Commercial Bank & Trust Company of Troup County
The Bank of Troup County Trust Company Bank of Troup County Jordan Banking Company Bank of Lenox

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

7-20-1949

10-19-1906

1-14-1909

1

11-08-1983

7-09-1970

3

9-04-1911

2

2-18-1987

11-30-1961

6-25-1974

1

3-01-1945

7-16-1907

2-14-1964

1

1-17-1945

8-25-1976

1-01-1908

12-10-1969

10-06-1903

6

1-10-1985

2

11-26-1912

1

7-28-1981

4-08-1907

9-20-1940

2

9-10-1987

9-08-1987

1

6-02-1905

2

1-11-1971

9

11-13-1889

2

7-08-1941

2

6-06-1984

3-30-1984

2

12-30-1965

6-20-1907

1

TOTAL ASSETS (THOU)
40,450 28,120 66,194 12,022 58,213 73,668 18,078 20,258 32,638 28,690 17,747 49,480 75,900 41,378 45,004
9,718 116' 747
37,642 17,868 11,645 38,806 51,404
7,136 23,771 148,636 187,473 86,740 78,148 25,761 58,759
7,260 10,676

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Lexington Lincolnton Lithonia Loganville Louisville Louisville Lumber City Lumpkin Lyons Mableton Macon Macon Macon >--' Macon N Madison 1 Manchester Mansfield Marietta Marietta Marietta Marietta Martinez McDonough McDonough McRae McRae Metter Metter Milan Milledgeville Milledgeville Milledgeville

Oglethorpe Lincoln DeKalb Walton Jefferson Jefferson Telfair Stewart Toombs Cobb Bibb Bibb Bibb Bibb Morgan Meriwether Newton Cobb Cobb Cobb Cobb Columbia Henry Henry Telfair Telfair Candler Candler Telfair Baldwin Baldwin Baldwin

Citizens Banking Company Farmers State Bank The Peoples Bank Bank of Loganville Bank of Jefferson County
The First National Bank & Trust Company
Bank of Lumber City Farmers State Bank Peoples Bank
Community Bank & Trust Company
Bank South, Macon
First Macon Bank & Trust Company
Security National Bank Trust Company Bank of Middle Georgia, N.A. Bank of Madison
F & M Bank and Trust Company
The Citizens Bank of Newton County Cobb American Bank and Trust Company First Peoples Bank of Cobb County Georgia Security Bank The Chattahoochee Bank * First Columbia Bank Founders Guaranty Bank Trust Company Bank of Henry County, N.A.
The Merchants & Citizens Bank
The Security State Bank Metter Banking Company Pineland State Bank Bank of Milan Exchange Bank The Central and Southern Bank of Georgia The Merchants and Farmers Bank of Milledgeville

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

2-07-1949

1

9-26-1911

8-26-1910

1

5-06-1946

1-06-1988

1-01-1902

5-22-1945

10-21-1911

2

5-04-1935

2

6-12-1985

4

6-09-1960 10

5-22-1987

11-03-1988

9-12-1912

12-26-1888

10-07-1947

1

7-31-1987

1

9-17-1986

2-24-1986

8-11-1987

9-09-1983

2

9-26-1983

2

3-21-1984

1

11-05-1905

3-28-1929

8-23-1972

7-25-1930

12-27-1961

12-05-1906

5-20-1903

2

2-28-1874

1

3-22-1898

1

TOTAL ASSETS (THOU)
17,829 35,487 45,124 22,599
7,895 61,925
8,422 22,604 32,752 59,980 306,844 19,782 15' 639 464,378 32,224 18,510
8,529 77,778 42,443 15,637 111,264 53,805 30,621 95,035 26,333 21,723 53,428 19,329 15' 115 79,724 154,372 69,105

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Millen Millen Molena Monroe Monroe Monticello Monticello Moultrie Moultrie Mount Vernon Nashville Nashville Newington
I
Newnan
G Newnan
I Newton Norcross Norcross Norcross Ocilla Ocilla Omega Palmetto Patterson Peachtree City Pearson Pelham Pembroke Perry Perry Perry Pineview

Jenkins Jenkins Pike Walton Walton Jasper Jasper Colquitt Colquitt Montgomery Berrien Berrien Screven Coweta Coweta Baker Gwinnett Gwinnett Gwinnett Irwin Irwin Tift Fulton Pierce Fayette Atkinson Mitchell Bryan Houston Houston Houston Wilcox

Bank of Millen Ogeechee Valley Bank Bank of Molena The National Bank of Walton County
Walton Bank & Trust Co.
Bank of Monticello Bank South, Jasper County, N.A. American Banking Company Moultrie National Bank Bank South, Mount Vernon The Citizens Bank The United Banking Company Bank of Newington Bank of Coweta The Bank of Newnan Baker County Bank Central Gwinnett Bank First Gwinnett Bank First Security National Bank The Bank of Ocilla, Georgia The First State Bank of Ocilla South Georgia Banking Company Barnett Bank of Atlanta The Patterson Bank Peachtree National Bank The Citizens Exchange Bank Pelham Banking Company The Pembroke State Bank Bank South, Houston County, N.A. Crossroads Bank of Georgia The Bank of Perry Pineview State Bank

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

1-04-1893

9-01-1972

10-07-1901

-1891

7-17-1987

2-08-1964

9-10-1906

8-13-1971

1

1-03-1928

12-21-1900

2-19-1943

1

7-10-1924

1

7-07-1919

2-11-1972

5

9-23-1986

10-04-1906

6-17-1986

3-16-1987

6-25-1985

9-20-1956

5-11-1943

1

4-15-1970

2

6-29-1918 14

6-19-1907

1

9-11-1986

1-19-1943

12-04-1936

12-19-1937

1

8-20-1964

9-16-1986

8-20-1889

9-20-1910

TOTAL ASSETS (THOU)
30,537 17,662
9,035 97,508
9,290 23,978 35,274 56,316 111,700 29,938 29,476 23,370 10,474 105,324 21,911 14,154 31,153 28,601 27,590 31,841 28,216 50,164 665,345 20,149 41,710 13,700 32,523 40,258 74,200 23,584 48,642 9,111

LIST OF STATE AND NATIONAL BANKS

CITY
Pitts Quitman Quitman Reidsville Reynolds Rincon Ringgold Riverdale Roberta Rochelle Rome Rome Rome ,_. Rossville -~>- Roswell 1 Roswell Roswell Royston Rutledge Sandersville Sandersville Sandy Springs Sardis Savannah Savannah Savannah Savannah Senoia Smyrna Social Circle Soperton Sparta

COUNTY
Wilcox Brooks Brooks Tattnall Taylor Effingham Catoosa Clayton Crawford Wilcox Floyd Floyd Floyd Walker Fulton Fulton Fulton Franklin Morgan Washington Washington Fulton Burke Chatham Chatham Chatham Chatham Coweta Cobb Walton Treutlen Hancock

- NAM-E -O- F B-AN-K
Pitts Banking Company Bank of Quitman The Citizens National Bank of Quitman The Tattnall Bank The Citizens State Bank
Effingham Bank & Trust
Northwest Georgia Bank Tara State Bank United Bank of Crawford Rochelle State Bank First Rome Bank The Georgia State Bank of Rome Trust Company Bank of Northwest Georgia, N.A. Rossville Bank Monogram Credit Card Bank of Georgia * Sentry Bank and Trust Company
The Northside Bank & Trust Company
Tri-County Bank of Royston Bank of Morgan County Citizens Bank of Washington County The Geo. D. Warthen Bank * Metro Bank Bank of Burke County Ameribank, N.A. The Carver State Bank The Citizens and Southern National Bank Trust Company of Georgia Bank of Savannah, N.A. Farmers and Merchants Bank of Senoia
* Smyrna Bank & Trust Co.
Georgia Central Bank The Bank of Soperton Bank of Hancock County

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

TOTAL ASSETS (THOU)

6-02-1906

10,279

12-26-1888

1

26,097

8-25-1934

25,936

9-14-1900

1

30,021

9-08-1922

19,185

10-02-1987

8,589

4-08-1983

3

86' 727

2-07-1983

1

77' 614

1-07-1901

23,106

7-08-1947

7,446

11-25-1987

16,640

4-02-1976

3

63,259

-1977

210,678

7-01-1963

2

62,343

2-22-1988

18,814

2-10-1984

57,086

5-12-1987

2

95,059

8-09-1941

1

61,160

9-24-1898

2

32' 411

1-06-1965

1

34,351

3-18-1957

1

59,595

1-19-1984

85,780

4-27-1945

1

17,809

4-30-1985

68,038

4-29-1947

1

17,470

-1887

11,461,816

-1889

293,669

3-02-1874

2

18,052

2-28-1985

1

49,621

12-31-1923

1

32,448

7-16-1906

27 '977

10-18-1904

37,624

LIST OF STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Sparta St.Simons Island Stapleton Statesboro Statesboro Stockbridge Summerville Summerville Swainsboro Swainsboro Swainsboro Sylvania 1 Sylvester Talbotton Vl Tallapoosa 1 Tennille Thomaston Thomaston Thomasville Thomasville Thomson Tifton Tifton Tifton Toccoa Toccoa Toccoa Trenton Trenton Tucker Twin City Union City

Hancock Glynn Jefferson Bulloch Bulloch Henry Chattooga Chattooga Emanuel Emanuel Emanuel Screven Worth Talbot Haralson Washington Upson Upson Thomas Thomas McDuffie Tift Tift Tift Stephens Stephens Stephens Dade Dade DeKalb Emanuel Fulton

United Security Bank
Frederica Bank & Trust
Bank of Stapleton
First Bulloch Bank & Trust Company
Sea Island Bank The First State Bank
Farmers & Merchants Bank
First National Bank of Chattooga County Spivey State Bank The Central Bank The Citizens Bank of Swainsboro Farmers and Merchants Bank Sylvester Banking Company The Peoples Bank of Talbotton Commercial Bank Bank South, Washington County Bank of Upson West Central Georgia Bank Commercial Bank First Merchants Bank Bank of Thomson First Community Bank of Tifton The Citizens Bank of Tifton
Tifton Bank & Trust Company Liberty Bank & Trust
The Bank of Toccoa The Citizens Bank Bank of Dade Citizens Bank and Trust, Inc.
Mountain National Bank Durden Banking Company, Incorporated
The Southside Bank & Trust Company

*Member of Federal Reserve System

CHARTER DATE

NO. OF OFFICES

2-09-1967

2-24-1988

3-20-1916

1-19-1934

3

3-11-1901

2

9-21-1964

2

2-05-1926

3

5-22-1968

8-27-1964

2

10-27-1920

11-10-1900

1

2-18-1946

1

7-05-1898

1

12-09-1890

12-09-1971

3

4-04-1900

1

6-23-1951

1

12-13-1973

1

7-03-1916

2

6-24-1971

2

1-21-1985

3

12-21-1936

2

2-24-1948

1

11-06-1987

3-15-1984

8-10-1911

2

12-31-1986

2

7-05-1955

12-04-1987

8-02-1988

6-26-1935

7-14-1988

TOTAL ASSETS (THOU)
8,210 5,866 14,954 128,122 112,802 94,784 89,630 24,139 49,346 35,503 40,347 42,111 36,761 18,231 20,635 40,863 72,423 36,920 146,649 18,213 101,477 71,372 56,889 23' 177 12,001 65,872 70,569 32,642 12,252 23,278 21,975 25,223

CITY
Union Point Uvalda Valdosta Valdosta Vidalia Vidalia Vienna Vienna Villa Rica Wadley Warner Robins Warrenton Washington I Watkinsville :;::: Watkinsville I Waycross Waycross Waynesboro West Point Willacoochee Winder Winder Woodbury Woodland Woodstock Wrens Wrightsville Zebulon

COUNTY
Greene Montgomery Lowndes Lowndes Toombs Toombs Dooly Dooly Carroll Jefferson Houston Warren Wilkes Oconee Oconee Ware Ware Burke Troup Atkinson Barrow Barrow Meriwether Talbot Cherokee Jefferson Johnson Pike

LIST OF STATE AND NATIONAL BANKS
- NAM-E - OF -BA- NK
The Farmers Bank Altamaha Bank and Trust Company First State Bank and Trust Company of Valdosta The Park Avenue Bank Brice Banking Company, Inc. Darby Bank and Trust Company Bank of Dooly Citizens Bank Bank of Villa Rica Bank of Wadley International City Bank Citizens Bank Farmers and Merchants Bank Bank of Georgia Oconee State Bank Bank South, Waycross
Waycross Bank & Trust
The First National Bank of Waynesboro First National Bank of West Point The Peoples Bank
Barrow Bank & Trust Company
The Peoples Bank The Woodbury Banking Company Talbot State Bank First Community Bank of Cherokee First State Bank Bank of Wrightsville United Bank of Pike

CHARTER DATE

NO. OF OFFICES

9-06-1911

1

5-02-1966

1

1-22-1906

3

6-28-1971

3

9-07-1965

1

6-22-19%

11-10-1975

6-24-1931

3

9-30-1986

1-29-1902

11-16-1983

1

4-14-1902

8-10-1949

2

10-19-1984

6-05-1959

2

5-22-1956

6

9-04-1987

1-01-1905

1-13-1906

1-04-1952

7-20-1987

10-29-1926

2

9-29-1902

11-18-1907

2-19-1987

1

2-25-1964

12-17-1986

3-18-1905

1

TOTAL ASSETS (THOU)
39,063 38,933 113,760 49,302 28,623 35,046 24,406 51,080 53,130 19,954 32,654 24,627 79' 774 17,245 76,661 150,680 20,991 38,347 80,317 10,091 18,997 61,255 15' 783 16,089 38,538 30,608 33,038 45,339

*Member of Federal Reserve System

DEPAR'IMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORI'S OF CCNDITION OF STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1988
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1987 (llrnounts in Millions)

December 31, 1988

378 Banks *

ASSETS

Gross loans

36,890

Reserve for loan losses

(517)

Unearned inccrne

(213)

N=t loans

36,160

Lease Finance Receivables

759

Interest Bearing Depository Balances

1,824

Securities

10,446

Trade Accotmt

233

Federal Funds Sold and Securities Purchased

under Agreerrent to Resell

2,166

TOrAL EARNING ASSETS

51,588

Cash and Non-Interest Bearing Depository Balances

4,841

Bank Premises, Furniture and Fixtures

1,072

Other Real Estate Owned

101

Intangible Assets

133

All Other Assets

1,353

TOrAL ASSETS

59,088

December 31, 1987
356 Banks *
33,128 (489) (249)
32,390 683
1,785 9,227
142
2,631 46,858
4,230 987 69 121
1,375 53,640

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 TOrAL DEPOSITS
Federal Funds Purchased and Securities Sold under Agreerrent to Repurchase
Other Liabilities for Porrov.ed M:::mey Mortgage Indebtedness All Other Liabilities TOrAL LIABILITIES
SUbordinated Notes and Debentures
EQUITY CAPITAL Preferred Stock Cornron Stock Surplus Undivided Profits and Capital Reserves TOrAL EQUITY CAPITAL
TOrAL LIABILITIES, SUBORDINATED NarES AND DEBEN'IURES, AND EQUITY CAPITAL

9,678 32,192
948 292 2,309 226
45,645
6,457 761 43
1,427 54,333
304
16 495 1,790 2,150 4,451
59,088

9,665 27,995
956 324 2,253 177
2 41,372
6,133 306 42
1,701 49,553
251
16 438 1,497 1,885 3,836
53,640

* Includes one savings bank; does not include ~ trust companies.
- 17 -

DEPAR'IMENT OF BANKING AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENT OF EARNINGS AND EXPENSES OF STATE AND NATIONAL BANKS IN GEORGIA
FOR CALENDAR YEARS ENDING DECM.BER 31, 1988, AND DECEMBER 31, 1987
(Amounts in Millions)

December 31, 1988 December 31, 1987

378 Banks *

356 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 Trading Account Interest
TOI'AL INTEREST INCOME

3,972 80
126
195 828
11 5,212

INTEREST EXPENSE
Interest on Deposits Expense on Federal Funds Purchased and Securities
Sold under Agreement to Repurchase Interest on Otl"er BorroY.ed M:mey Interest on Mortgages and Leases Interest on Subordinated Notes and Debentures
TOI'AL INTEREST EXPENSE

2,248 485
38 4
31 2,806

NET INTEREST INCOME

2,406

TOI'AL NONINTEREST INOJME

729

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

1,018
332 763 2,113

PROVISICN FOR IDAN LCESES

264

SEa.JRITIES GAINS AND lOSSES

14

NET OPERATING INCOME BEFORE TAXES

772

APPLICABLE INOJME TAXES

149

NET OPERATING INCOME AFTER TAXES

623

EXTRAORDINARY INOJME OR EXPENSES, NET

3

NET INCOME

626

* Includes one savings bank; does not include two trust companies.
- 18 -

3,325 72
113
164 725
13 4,411
1,860
376 25 4 28
2,292
2,119
659
900
296 637 1,832
304
14
656
113
543
2
546

LIST OF BRANCH BANKS

NAME OF BANK
First State Bank & Trust Company
Albany
Security Bank and Trust Company of Albany Albany
Trust Company Bank of South Georgia, National Association Albany
First South Bank Ashburn
Citizens Bank of Americus Americus
Trust Company Bank of Northeast Georgia, National Association Athens
Bank South, National Association Atlanta

CHARTER COUNTY Dougherty Dougherty
Dougherty
Turner Sumter Clarke
Fulton

Citizens Trust Bank Atlanta
First American Bank, National Association Atlanta
The First National Bank of Atlanta Atlanta

Fulton Fulton Fulton

First Union National Bank of Georgia Atlanta

Fulton

- 19 -

BRANCH COUNTIES
Clay, Decatur, Lee, Randolph
Miller
Mitchell, Thomas, Worth
Ben Hill
Webster
Morgan
Barrow, Chatham Clarke, Clayton, Cobb, DeKalb, Forsyth, Gwinnett, Rockdale, Spalding
DeKalb
Clayton, Cobb DeKalb, Gwinnett
Bartow, Bibb, Chatham, Cherokee, Clayton, Cobb, DeKalb, Forsyth, Gordon, Gwinnett, Hall, Macon, Houston, Richmond, Sumter, Walton, Whitfield
Bibb, Burke, Chatham, Chattahoochee, Cobb, Columbia, Coweta, DeKalb, Fayette, Floyd, Gwinnett, Haralson, Harris, Henry, Lowndes, Muscogee, Pike, Richmond, Screven, Spalding, Toombs, Ware Whitfield, Wilkes

LIST OF BRANCH BANKS

WE OF BANK
Trust Company Bank Atlanta
Trust Company Bank of Augusta, National Association Augusta
American National Bank of Brunswick Brunswick
The Coastal Bank of Georgia 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

CHARTER COUNTY Fulton Richmond
Glynn Glynn Glynn
Grady Carroll Murray Musco g e e

The Citizens and Southern Bank of Conyers Conyers

Rockdale

Fidelity National Bank Decatur

DeKalb

Southeastern Bank Folkston

Charlton

First South Bank, National Association Fort Valley

Peach

Citizens Community Bank Hahira

Lowndes

The Coastal Bank Hinesville

Liberty

The First National Bank & Trust
of Louisville Louisville

Jefferson
- 20 -

BRANCH COUNTIES Cayman Islands, Cherokee, DeKalb McDuffie
Appling, Wayne
Camden
Ware, Wayne
Thomas
Haralson
Walker
Chattahoochee, Macon, Marion, Meriwether Clayton, Cobb
Fulton
Brantley, Camden, Coffee, Jefferson Davis Coweta, Johnson Jones, Macon, Newton Brooks
Chatham, Long
Burke

LIST OF BRANCH BANKS

NAME OF BANK

CHARTER COUNTY

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

Bibb Bibb Fulton Coweta Floyd Chatham

Bank South, Waycross Waycross

Ware

BRANCH COUNTIES
Monroe
Houston
Cobb
Meriwether
Polk
Bartow, Ben Hill, Bibb, Butts, Carroll, 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
Camden, Charlton

- 21 -

BANK OFFICES, BRANCHES, AND FACILITIES OPENED

LOCATION

First State Bank & Trust Company First South Bank First American Bank and Trust Company The Buckhead Bank Trust Company Bank of Carroll County Farmers & Merchants Bank Columbus Bank and Trust Company Columbus Bank and Trust Company Community Bank & Trust - Jackson Community Bank & Trust - Habersham Lanier Bank & Trust Company The Citizens Bank, Dallas, Georgia The Commercial Bank The Commercial Bank Bank South, Fitzgerald Southeastern Bank 1 The Citizens Bank N Commercial Exchange Bank N Northeast Georgia Bank 1 The Bank of Gwinnett County Farmers State Bank Community Bank & Trust Company Community Bank & Trust Company Community Bank & Trust Company Bank South, Macon Bank South, Macon Bank South, Macon The Chattahoochee Bank First Columbia Bank Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta Barnett Bank of Atlanta

Albany Ashburn Athens Atlanta Bowdon Brooklet Columbus Columbus Commerce Cornelia Cumming Dallas Douglasville Douglasville Fitzgerald Folkston Gainesville Kennesaw Lavonia Lawrenceville Lumpkin Mableton Mableton Mableton Macon Macon Macon Marietta Martinez Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto Palmetto

-NAM-E -OF OFFICE
North Slappey Office The Fitzgerald Office West Broad Kroger Office Midtown Banking House Office Crossroads Center Office Winn Dixie Supermarket Bank Office Medical Park Office CB&T Supermarket Bank Facility Ingles Supermarket Bank Facility Clarkesville Station Ingles Facility Canton Highway Office Citizens Square Office Hospital Way Kroger Facility Bill Arp Winn-Dixie Facility East Pine Street Office Nicholls Office Oakwood Office Wade Green Road Office Carnesville Office Killian Hill Office Richland Banking Office Canton Road Office Acworth Ingles Office Bellemeade Ingles Office North Park Kroger Office Parkway Village Kroger Office Baconsfield Kroger Office Vinings Banking House Office Grovetown Office Acworth Office East Marietta Office Powers Ferry Office Smyrna Office Sprayberry Crossing Office West Cobb Office Windy Hill Office Merchants Walk Office Medical Center Office Marietta Square Branch Shallowford Corners Office Mableton Office Galleria Office

LOCATION
Albany Fitzgerald Athens Atlanta Carrollton Statesboro Columbus Columbus Commerce Clarkesville Cumming Dallas Douglasville Douglasville Fitzgerald Nicholls Oakwood Kennesaw Carnesville Lilburn Richland Marietta Acworth Marietta Macon Macon Macon Atlanta Grovetown Acworth Marietta Marietta Smyrna Marietta Marietta Marietta Marietta Marietta Marietta Roswell Mableton Atlanta

APPROVED
9-09-88 6-23-88 12-21-87 8-01-88 5-19-87 6-29-88 7-05-88 4-20-88 3-18-88 10-13-88 7-21-88 7-27-87 7-14-88 7-14-88 4-08-87 7-28-88 2-09-88 6-05-87 3-31-88 8-17-88 10-17-88 10-27-88 12-07-87 11-24-87 4-28-88 11-01-88 11-01-88 5-11-88 11-09-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88 9-01-88

OPENED
11-07-88 7-21-88 7-19-88
11-17-88 7-22-88 8-29-88 8-15-88 4-28-88 5-04-88
12-19-88 10-14-88 12-28-88 12-08-88 9-01-88
7-18-88 8-01-88 10-05-88 4-27-88 10-31-88 9-12-88 11-10-88 12-19-88 1-25-88 3-09-88 5-19-88 11-14-88 11-14-88 6-13-88 11-16-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88 10-21-88

- NAM-E - OF -BA- NK
The Georgia State Bank of Rome
The Northside Bank & Trust Company The Northside Bank & Trust Company
Bank of Morgan County
Smyrna Bank & Trust Co.
Spivey State Bank Commercial Bank Citizens Bank Bank South, Waycross First Community Bank of Cherokee

BANK OFFICES, BRANCHES, AND FACILITIES OPENED

LOCATION

NAME OF OFFICE

Rome Roswell Roswell Rutledge Smyrna Swainsboro Tallapoosa Vienna Waycross Woodstock

North Fifth Avenue Office Bruno's Supermarket Bank Facility Winn Dixie Marketplace Facility Madison Office Austell Road Office Meadowlake Parkway Facility Bowdon Street Facility Unadilla Office Kingsland Supermarket Bank Office lngles-Riverplace Facility

LOCATION
Rome Alpharetta Roswell Madison Austell Swainsboro Tallapoosa Unadilla Kingsland Canton

APPROVED
4-25-88 5-25-88 10-11-88 2-24-88 10-19-87 5-30-86 7-15-88 9-08-88 9-19-88 6-23-88

OPENED
9-02-88 5-25-88 11-14-88 5-02-88 1-04-88 4-04-88 11-02-88 9-30-88 12-15-88 6-27-88

NAME OF BANK

The First Port City Bank

Bank of Canton

Bank of Canton

N
w

Etowah Bank Douglas County Bank

The Commercial Bank

The Bank of Ellijay

Citizens Union Bank

Commercial Banking Company

Bank of Hazlehurst

The Brand Banking Company

Pitts Banking Company

Metro Bank

West Central Georgia Bank

Talbot State Bank

BANK OFFICES, BRANCHES, AND FACILITIES APPRO\~D BUT UNOPENED

LOCATION
Bainbridge Canton Canton Canton Douglasville Douglasville Ellijay Greensboro Hahira Hazlehurst Lawrenceville Pitts Sandy Springs Thomaston Woodland

-NAM-E -OF OFFICE
1st Port City Bk S'Market Office Woodstock Office Free Home Office Holly Springs Office Douglas Boulevard Office Ingles-Fairburn Road Office Mountain Parkway Office Lake Oconee Office Valdosta Office Douglas Highway Office Hurricane Shoals Office Rochelle Office Buckhead Office North Thomaston Office Talbotton Office

LOCATION
Bainbridge Woodstock Canton Holly Springs Douglasville Douglasville Ellijay Greensboro Valdosta Hazlehurst Lawrenceville Rochelle Atlanta Thomaston Talbotton

APPROVED
9-12-88 5-31-88 9-06-88 11-16-88 10-27-88 11-22-88 11-03-88 9-23-87 8-02-88 12-19-88 8-01-88 7-22-88 12-29-88 11-30-88 2-11-88

- NAM-E - OF -BA- NK
Trust Company Bank Trust Company Bank Trust Company Bank Barnett Bank of Atlanta The Bank of Perry Commercial Bank Bank of Villa Rica

BANK OFFICES, BRANCHES, AND FACILITIES CLOSED

LOCATION
Atlanta Atlanta Atlanta Palmetto Perry Tallapoosa Villa Rica

- NAM-E - OF OFFICE
West End Office Gateway Fulton Industrial Office Piedmont Center East Godby Road Office Plaza Office Smith's Super Market Facility Downtown Bank Office

LOCATION
Atlanta Atlanta Atlanta College Park Perry Tallapoosa
Villa Rica

CLOSED
11-18-88 11-18-88 11-18-88 6-01-88 3-31-88
10-25-88 12-09-88

FINANCIAL HOLDING COMPANIES APPROVED

~ OF HOLDING COMPANY
First Colony Bancshares, Inc.
B.fi.C., Inc. National Bank of Georgia Corporation Chattahoochee Bancorp, Inc. Bank South Pensacola, Inc. Commercial Bancorp of Georgia, Inc. Union Bancshares, Inc. First Georgia Holding, Inc. Main Street Banks Incorporated DFSoutheastern, Inc. Empire Bank Corp. Commex Financial Corporation Community Financial Corporation American Bankshares, Inc. First Community Bancshares, Inc. Soperton Bancshares, Inc. Sea Island Bancshares, Inc. Guaranty Financial Services, Inc. TSB Bancorp First Cherokee Bancshares, Inc.

LOCATION
Alpharetta Arlington Atlanta Atlanta Atlanta Atlanta Blairsville Brunswick Covington Decatur Homerville Kennesaw Mableton Marietta Rome Soperton Statesboro Warner Robins Woodland Woodstock

APPROVED
6-06-88 11-01-88 12-29-88 12-12-88
8-29-88 5-25-88 2-04-88 4-28-88 11-07-88 8-25-88 11-22-88 11-14-88 5-09-88 12-22-88 3-17-88 8-26-88 4-22-88 1-20-88 5-02-88 12-20-88

FINANCIAL HOLDING COMPANIES DEREGISTERED

NAME HOLDING COMPANY
North Georgia Bancshares, Inc. The Chattahoochee Financial Corporation Prudential Capital and Investment Services, Inc. Nicholls State Bancshares, Inc. First Fulton Bancshares, Inc. Soperton Naval Stores, Inc.

LOCATION
Canton Marietta Newark, NJ Nicholls Palmetto Soperton

DEREGISTERED
3-15-88 12-30-88
7-14-88 8-01-88 10-21-88 10-21-88

- 24 -

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

NAME OF HOLDING COMPANY
SOUTHEASTERN BANKING CORPORATION Nicholls State Bank w/into Southeastern Bank
BARNETT BANKS, INC. Barnett Banks, National Association w/into First Fulton Bank and Trust
BANK CORPORATION OF GEORGIA Covington Branch Georgia Federal Bank Gray Branch Georgia Federal Bank Newnan Branch Georgia Federal Bank w/into First South Bank, National Association Fitzgerald Branch Fulton Federal Savings and Loan Association w/into First South Bank
FIRST WACHOVIA CORPORATION North Georgia Bank w/into The First National Bank of Atlanta

LOCATION

EFFECTIVE

Folkston Nicholls

Folkston

8-01-1988

Jacksonville, FL Marietta

Palmetto

10-21-1988

Macon Covington Gray Newnan

Ft. Valley

8-19-1988

Fitzgerald

Ashburn

7-11-1988

Winston Salem,NC/Atlanta Canton

Atlanta

3-31-1988

- 25 -

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

ADAIRSVILLE BANCSHARES, INC. *Bank of Adairsvi I le
MONTGOMERY COUNTY BANKSHARES, INC. *Montgomery County Bank
FIRST STATE CORPORATION *First State Bank & Trust Company First State Bank and Trust Company in Cordele
FIRST BANK SHARES OF THE SOUTH EAST, INC. *The First National Bank of Alma
SOUTH BANKING COMPANY *Alma Exchange Bank & Trust Citizens State Bank GEORGIA PEOPLES BANKSHARES, INC. *Peoples State Bank & Trust
FIRST COLONY BANCSHARES, INC. *First Colony Bank
CREDIT AND COMMERCE AMERICAN INVESTMENT, B.V. FIRST AMERICAN CORPORATION FIRST AMERICAN BANKSHARES, INC. GEORGIA BANKSHARES, INC. *First American Bank of Georgia, N. A. NATIONAL BANK OF GEORGIA CORPORATION
B. H. C. , INC. *Bostwick Banking Company
FIRST AMERICAN BANCORP *First American Bank and Trust Company
AMERICAN LIGHTING & SUPPLY CO. CPI HOLDINGS, INC. *United Federal Savings and Loan Association
BANK SOUTH CORPORATION *Bank South, National Association BANK SOUTH PENSACOLA, INC., ATLANTA BANK SOUTH MACON, INC. Bank South, Fitzgerald *Bank South, Macon Bank South, Jasper County, N.A. Bank South, Houston County, N.A.

ADAIRSVILLE Adairsvi lie AILEY Ailey ALBANY Albany Cordele ALMA Alma ALMA Alma Kingsland BAXLEY Baxley ALPHARETTA Alpharetta AMSTERDAM,N'LAND WASHINGTON, DC WASHINGTON, DC ATLANTA Atlanta ATLANTA ARLINGTON Ar I i ngton ATHENS Athens ATLANTA ATLANTA Smyrna ATLANTA Atlanta ATLANTA MACON Fitzgerald Macon Monti ce I lo Perry

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

11-02-87 1-27-87 2-04-81
6-11-85 11-20-80
6-14-82 6-06-88 6-01-87 6-01-87 6-01-87 7-05-83 12-29-88 11-01-88 4-02-86 6-16-87 6-16-87 7-01-76 8-29-88 9-28-78

10350
10096 04254
08791
04049
05822 10670
04145 99026 99027 06943 99044 10857 09271
99005 99006
00728 99038 08182

04049 04140 04140 04140 04140 04140
99004 99004 00728 00728

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

Bank South, Washington County BANK SOUTH WAYCROSS, INC.
Bank South, Douglas Bank South, Mount Vernon *Bank South, Waycross BANK SOUTH PENSACOLA, INC., ATLANTA BMR FINANCIAL GROUP, INC. Citizens Bank of Americus *The Citizens Bank of Swainsboro Brice Banking Company, Inc. CHATHAM HOLDINGS, INC. AMERICAN LIGHTING & SUPPLY CO. CPI HOLDINGS, INC.
*United Federal Savings and Loan Association CITIZENS AND SOUTHERN CORPORATION
CIT1ZENS AND SOUTHERN GEORGIA CORPORATION The Citizens and Southern Bank of Conyers
*The Citizens and Southern National Bank CITIZENS AND SOUTHERN TRUST COMPANY, INC.
Citizens and Southern Trust Company (Georgia) N.A. CITIZENS AND SOUTHERN SOUTH CAROLINA CORPORATION CITIZENS AND SOUTHERN FLORIDA CORPORATION SOUTHERN BANK CORP., INC. CITIZENS AND SOUTHERN GEORGIA CORPORATION The Citizens and Southern Bank of Conyers *The Citizens and Southern National Bank CITIZENS AND SOUTHERN TRUST COMPANY, INC. Citizens and Southern Trust Company (Georgia) N.A. CITIZENS BANCSHARES CORP. *Citizens Trust Bank COMMERCIAL BANCORP OF GEORGIA, INC. *Commercial Bank of Georgia COMMUNITY FINANCIAL SERVICES, INC. *Georgia Bankers Bank CPI HOLDINGS, INC. *United Federal Savings and Loan Association EMBRY BANKSHARES, INC.

Tenn iII e WAYCROSS Douglas Mount Vernon Waycross ATLANTA ATLANTA Americus Swainsboro Vida I i a ATLANTA ATLANTA ATLANTA Smyrna ATLANTA ATLANTA Conyers Savannah ATLANTA Atlanta COLUMBIA, SC FT.LAUDERDALE,FL TALLAHASSEE, FL ATLANTA Conyers Savannah ATLANTA Atlanta ATLANTA Atlanta ATLANTA Atlanta ATLANTA Atlanta ATLANTA Smyrna ATLANTA

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

10-21-81

04705

00728

8-29-88 11-07-86

99038 09570

00728

6-16-87 6-16-87 6-16-87 7-01-76 4-29-86 7-11-86 1-28-86 6-21-85 9-23-87 4-29-86
7-11-86 7-01-76 5-25-88 11-18-85 6-16-87 11-12-87

99004 99005 99006 00006 09382 99018 99019 08846 99043 09382
99018 00566 10751 09160 99006 00485

99004 99004 00006 00006 00006 00006 00006 00006 00006
99004

REGISTERED FINANCIAL HOLDING COMPANIES

AND

THEIR (*

F=INALNeCadIALBaSnUk)BSIDIARIES

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*Embry National Bank

FIRST ATLANTA CORPORATION *The First National Bank of Atlanta

FIRST LIBERTY FINANCIAL CORPORATION *Liberty Federal Savings and Loan Association Valdosta Federal Savings and Loan Association

FIRST UNION CORPORATION OF GEORGIA *First Union National Bank of Georgia

FIRST WACHOVIA CORPORATION FIRST ATLANTA CORPORATION *The First National Bank of Atlanta THE WACHOVIA CORPORATION

FUQUA INDUSTRIES, INC.

~

*Georgia Federal Bank, FSB

GEORGIA BANKSHARES, INC. *First American Bank of Georgia, N. A. NATIONAL BANK OF GEORGIA CORPORATION

HABERSHAM FINANCIAL CORPORATION *Habersham Federal Savings Bank

NATIONAL BANK OF GEORGIA CORPORATION

NORO FINANCIAL CORPORATION NORO-HOME FEDERAL HOLDING COMPANY, N.V. NORO-THRIFT HOLDING COMPANY *Home Federal Savings & Loan Association

NORO-HOME FEDERAL HOLDING COMPANY, N.V. NORO-THRIFT HOLDING COMPANY *Home Federal Savings & Loan Association

NORO-THRIFT HOLDING COMPANY *Home Federal Savings & Loan Association

SOUTHERN NATIONAL BANKSHARES, INC. *NCNB National Bank

SUMMIT BANK CORPORATION *The Summit National Bank

SUNTRUST BANKS, INC.

Atlanta ATLANTA Atlanta ATLANTA Macon Valdosta ATLANTA Atlanta ATLANTA ATLANTA Atlanta WINSTON-SALEM,NC ATLANTA Atlanta ATLANTA Atlanta ATLANTA ATLANTA Cornelia ATLANTA ATLANTA ATLANTA ATLANTA Atlanta ATLANTA ATLANTA Atlanta ATLANTA Atlanta ATLANTA Atlanta ATLANTA Atlanta ATLANTA

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

7-01-76
7-16-85
7-01-76
10-28-85 7-01-76
4-09-86
7-05-83 12-29-88 6-13-84
12-29-88 12-22-86 12-22-86 12-22-86
12-22-86 12-22-86
12-22-86
2-21-84
9-11-87
1-11-85

00709
99010
00714
99020 00709 00615 99011
06943 99044 99013
99044 99014 99015 99016
99015 99016
99016
07612
00426
08514

99020
00609
99020 99020
04140 04140
04140 99014 99014 99014 99014 99014 00610

REGISTERED FINANCIAL HOLDING COMPANIES

AND

THEIR (*

FI=NALNeCadIALBaSnUk)BSIDIARIES

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

APPROVED

HC#

HIGH

HOLDER

HC#

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

TRUST COMPANY OF GEORGIA

ATLANTA

7-01-76

08515

08514

Trust Company Bank of South Georgia, N.A.

Albany

Trust Company Bank of Northeast Georgia, N.A.

Athens

*Trust Company Bank

Atlanta

Trust Company Bank of Cobb County, N.A.

Atlanta

Trust Company Bank of Augusta, N.A.

Augusta

Trust Company Bank of Carrol I County

Bowdon

Trust Company Bank of Southeast Georgia, N.A.

Brunswick

Trust Company Bank of Columbus, N.A.

Columbus

Trust Company Bank of Rockdale

Conyers

Trust Company Bank of Coffee County

Douglas

Trust Company Bank of Douglas County

Douglasvi lie

Trust Company Bank of Clayton County

Jonesboro

Trust Company Bank of Gwinnett County

Lawrencev i I Ie

Trust Company Bank of Troup County

LaGrange

Trust Company Bank of Middle Georgia, N.A.

Macon

Trust Company Bank of Henry County, N.A.

McDonough

Trust Company Bank of Northwest Georgia, N.A.

Rome

N

Trust Company of Georgia Bank of Savannah, N.A.

~

THIRD NATIONAL CORPORATION

Savannah NASHVILLE, TN

3-24-87

99034

08514

I

SUN BANKS, INC.

ORLANDO, FL

00078

08514

TRUST COMPANY OF GEORGIA Trust Company Bank of South Georgia, N.A. Trust Company Bank of Northeast Georgia, N.A.
*Trust Company Bank Trust Company Bank of Cobb County, N.A. Trust Company Bank of Augusta, N.A. Trust Company Bank of Carrol I County Trust Company Bank of Southeast Georgia, N.A. Trust Company Bank of Columbus, N.A. Trust Company Bank of Rockdale Trust Company Bank of Coffee County Trust Company Bank of Douglas County Trust Company Bank of Clayton County Trust Company Bank of Gwinnett County Trust Company Bank of Troup County Trust Company Bank of Middle Georgia, N.A. Trust Company Bank of Henry County, N.A. Trust Company Bank of Northwest Georgia, N.A. Trust Company of Georgia Bank of Savannah, N.A.

ATLANTA AI bany Athens Atlanta Atlanta Augusta Bowdon Brunswick Columbus Conyers Douglas Douglasvi lie Jonesboro Lawrencev i I Ie LaGrange Macon McDonough Rome Savannah

7-01-76

08515

08514

BANKERS FIRST CORPORATION Athens Federal Savings Bank
*Banker's First Federal Savings & Loan Association Southeast Federal Savings Bank

AUGUSTA Athens Augusta Rossvi I le

4-17-84

99001

PORT CITY HOLDING COMPANY, INC.

BAINBRIDGE

8-11-81

04690

REGISTERED FINANCIAL HOLDING COMPANIES

AND

THEIR (*

FI=NALNeCadIALBaSnUk)BSIDIARIES

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*The First Port City Bank

FIRST CITIZENS BANCORP OF CHEROKEE COUNTY, INC. *Citizens Bank

UNITED BANK CORPORATION *United Bank United Bank of Crawford United Bank of Pike

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

FIRST UNION BANCORP *First National Bank of Union County

UNION BANCSHARES, INC.

*Union County Bank

w

0

FIRST STATE BANCSHARES OF BLAKELY, INC.

*First State Bank of Blakely

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

FIRST GEORGIA HOLDING, INC. *First Georgia Savings Bank,F.S.B.

FIRST HARALSON CORPORATION *The First National Bank of Haralson County

SOUTHLAND BANK CORP. *The Citizens State Bank Coffee County Bank

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

CAIRO BANCHSHARES, INC. *Cairo Banking Company

GRADY HOLDING COMPANY *First National Bank of Grady County

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

Bainbridge BALL GROUND Ba I I Ground BARNESVILLE Barnesvi lie Roberta Zebulon BAXLEY Baxley BLAIRSVILLE Blairsvi lie BLAIRSVILLE Blairsville BLAKELY BIake ly BRUNSWICK Brunswick Kingsland BRUNSWICK Brunswick BUCHANAN Buchanan BUTLER Butler Douglas CADWELL Cadwe I I McRae CAIRO Cairo CAIRO Cairo CAMILLA Cami I I a

RUN OATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

3-18-83 11-25-81

06670 04822

6-14-82 4-25-85 2-04-88 6-13-86 9-19-84
4-28-88 3-06-84 2-13-84
7-24-79
4-16-82 6-30-78 12-30-80

05822 08685 10644 09480 08096
99009 07654 07618
03260
05560 02905 04014

04049 00003

REGISTERED FINANCIAL HOLDING COMPANIES

AND

THEIR (*

F=INALNeCadIALBaSnUk)BSIDIARIES

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

B C BANKSHARES, INC. *Bank of Canton
UNITED SECURITY BANCSHARES, INC. *United Security Bank
FIRST BANKS, INC. First Bank and Trust
*The Bank of Toccoa WGNB CORP.
*West Georgia National Bank of Carrol !ton BARTOW BANCSHARES, INC.
*Bartow County Bank PEOPLES BARTOW CORPORATION
*Peoples Bank of Bartow County FIRST POLK BANKSHARES, INC.
*The First National Bank of Polk County FIRST UNION CORPORATION
FIRST UNION CORPORATION OF GEORGIA *First Union National Bank of Georgia
NCNB CORPORATION SOUTHERN NATIONAL BANKSHARES, INC. *NCNB National Bank
COHUTTA BANCSHARES, INC. *Cohutta Banking Company
FIRST CHATSWORTH BANCSHARES, INC. *The First National Bank of Chatsworth
LIBERTY BANCORP OF GEORGIA, INC. *Rabun County Bank The Gordon Bank
WHITE COUNTY BANCSHARES, INC. *White County Bank
CITIZENS AND SOUTHERN SOUTH CAROLINA CORPORATION CB&T BANCSHARES, INC.
Security Bank and Trust Company of Albany

CANTON Canton CANTON Sparta CARNESVILLE Carnesvi lie Toccoa CARROLLTON Carrol ton CARTERSVILLE Cartersvi lie CARTERSVILLE Cartersv i I Ie CEDARTOWN Cedartown CHARLOTTE, NC ATLANTA Atlanta CHARLOTTE, NC ATLANTA Atlanta CHATSWORTH Chatsworth CHATSWORTH Chatsworth CLAYTON Clayton Gordon CLEVELAND Cleveland COLUMBIA, SC COLUMBUS Albany

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

9-05-84 2-21-84 4-13-81
8-12-85 4-28-83 2-13-84 5-20-86 3-17-86 7-01-76 12-72-85 2-21-84 11-30-82 3-03-83 5-12-83
9-19-84 1-28-86 7-01-76

08141 07604 04290
08893 06574 07393 08890 00609 00714 00610 07612 06446 06382 06842
08081 99019 00283

00609 00610 09582
00006 09582

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)

RUN DAlE: 3-16-89 AS OF DAlE: 12-31-88

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

APPROVED

HC#

HIGH

HOLDER

HC#

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

Sumter Bank and Trust Company

Americus

The Coastal Bank of Georgia

Brunswick

Citizens Bank and Trust of West Georgia

Carro I Iton

*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

First Community Bank of Tifton

Tifton

First State Bank and Trust Company of Valdosta

Valdosta

COHUTTA BANCSHARES, INC.

CHATSWORTH

11-30-82

06446

09582

*Cohutta Banking Company

Chatsworth

FORT RUCKER BANCSHARES, INC.

FORT RUCKER, AL

10-04-88

99039

09582

SOUTHWEST GEORGIA FINANCIAL CORPORATION

MOULTRIE

11-18-80

04015

09582

*Moultrie National Bank

Moultrie

NORTHWEST FLORIDA BANKING CORPORATION

QUINCY, FL

3-18-88

99030

09582

TB&C BANCSHARES, INC.

w

CB&T BANCSHARES, INC.

N

Security Bank and Trust Company of Albany

Sumter Bank and Trust Company

The Coastal Bank of Georgia

Citizens Bank and Trust of West Georgia

*Columbus Bank and Trust Company

Bank of Hazlehurst

Commercial Bank & Trust Company of Troup County

Bank of Coweta

Commercial Bank

First Community Bank of Tifton

First State Bank and Trust Company of Valdosta

COHUTTA BANCSHARES, INC.

*Cohutta Banking Company

FORT RUCKER BANCSHARES, INC.

SOUTHWEST GEORGIA FINANCIAL CORPORATION

*Moultrie National Bank

NORTHWEST FLORIDA BANKING CORPORATION

COLUMBUS COLUMBUS Albany Americus Brunswick Carrollton Columbus Hazlehurst LaGrange Newnan Thomasvi I Ie
Tifton Valdosta CHATSWORTH Chatsworth FORT RUCKER, AL MOULTRIE Moultrie QUINCY, FL

8-25-86 7-01-76

09582 00283

09582

11-30-82
10-04-88 11-18-80
3-18-88

06446 99039 04015 99030

09582
09582 09582
09582

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

COMMERCE Commerce

10-27-81

04842

MID STATE BANKS, INC. Cordele Banking Company
*The Morris State Bank
Planters Bank Pineview State Bank

CORDELE Cordele Dub I in
Hawkinsville Pineview

3-05-80

03506

COMMUNITY BANKSHARES, INC. Community Bank & Trust - Jackson

CORNELIA Commerce

3-12-81

04255

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*Community Bank & Trust - Habersham

HABERSHAM BANCORP *Habersham Bank

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

MAIN STREET BANKS INCORPORATED *The Bank of Covington

CREDIT AND COMMERCE AMERICAN HOLDINGS, N.Y.

CREDIT AND COMMERCE AMERICAN INVESTMENT, B.V.

FIRST AMERICAN CORPORATION

FIRST AMERICAN BANKSHARES, INC.

GEORGIA BANKSHARES, INC.

*First American Bank of Georgia, N. A.

NATIONAL BANK OF GEORGIA CORPORATION

w

w

DAHLONEGA BANCORP, INC.

*Bank of Dahlonega

The Bank of ElI ijay

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

NORTHWEST GEORGIA FINANCIAL CORPORATION *The Citizens Bank, Dallas, Georgia The Citizens Bank of Newton County

HARDWICK HOLDING COMPANY The Calhoun First National Bank
*Hardwick Bank & Trust Company

SOUTHEASTERN BANKING CORPORATION The Darien Bank
*Southeastern Bank

DAWSON BANCSHARES, INC. *Bank of Dawson

DAWSON COUNTY BANCSHARES, INC. *Dawson County Bank

DFSOUTHEASTERN, INC. *Decatur Federal Savings and Loan Association

FIDELITY SOUTHERN CORPORATION

Cornelia CORNELIA Clarkesvi lie COVINGTON Covington COVINGTON Covington CURACAO, N'LANDS AMSTERDAM,N'LAND WASHINGTON, DC WASHINGTON, DC ATLANTA Atlanta ATLANTA DAHLONEGA Dahlonega EI I i jay DALLAS Da I I as DALLAS Da I I as Mansfield DALTON Calhoun Dalton DARIEN Darien Folkston DAWSON Dawson DAWSONVILLE Dawsonvi lie DECATUR Decatur DECATUR

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

12-05-84 11-30-84 11-07-88
6-01-87 6-01-87 6-01-87 6-01-87 7-05-83 12-29-88 4-20-82
6-19-85 3-05-82
9-23-80
4-14-81
9-19-83 12-03-84 8-25-88 12-18-79

08191 08370 00000 04140 04145 99026 99027 06943 99044 05528
08780 04976
03984
04295
07076 08455 99007
03494

04140 04140 04140 04140 04140

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*Fidelity National Bank M & F FINANCIAL CORPORATION
*Merchants and Farmers Bank METRO BANCORP, INC.
*The Commercial Bank THORNTON HOLDING COMPANY, INC.
*Douglas County Bank INVESTORS TRUST FINANCIAL CORPORATION
*Investors Bank & Trust CITIZENS CORPORATION
*Citizens Bank & Trust Company PEOPLES BANKSHARES, INCORPORATED
*The Peoples Bank PUTNAM-GREENE FINANCIAL CORPORATION
*Farmers & Merchants Bank The Pembroke State Bank The Farmers Bank
BOE BANCSHARES, INC. *The Bank of Edison
FIRST ELBERT CORPORATION *First National Bank in Elberton
MIDDLE GEORGIA CORPORATION *Bank of Ellavi lie
FAIRBANCO HOLDING COMPANY, INC. *Fairburn Banking Company
FMB FINANCIAL HOLDINGS, INC. *Farmers and Merchants Bank
HERITAGE ENTERPRISES I I FMB FINANCIAL HOLDINGS, INC. *Farmers and Merchants Bank
COLONY BANKCORP, INC. Ashburn Bank Bank of Dodge County
*The Bank of Fitzgerald

Decatur DONALSONVILLE Dona Isonv i I Ie DOUGLASVILLE Douglasvi lie DOUGLASVILLE Doug Iasv i I Ie DULUTH Duluth EASTMAN Eastman EATONTON Eatonton EATONTON Eatonton Pembroke Union Point EDISON Edison ELBERTON Elberton ELLAVILLE EII avi II e FAIRBURN Fairburn FAYETTEVILLE Fayettevi lie FAYETTEVILLE FAYETTEVILLE Fayettevi lie FITZGERALD Ashburn Chester Fitzgerald

RUN DATE; 3-16-89 AS OF DATE; 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

2-01-85 12-10-84 12-17-81
1-09-84 1-15-85 2-17-84 4-03-87

08547 08148 04896 09446 08140 07346 10097

3-05-84 4-01-83 5-08-81 6-11-84 12-07-87 12-07-87 12-07-87 4-15-83

07551 06671 04158 07778 10477 10478 10477 06804

99028 99028

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES ( * = l_ead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

Pitts Banking Company

COUNTRY BANK COMPANY *Monroe County Bank

CATOOSA BANCSHARES, INC. *Capital Bank

FORT RUCKER BANCSHARES, INC.

CB BANCSHARES, INC. Cook Banking Company
*The Citizens Bank

CITIZENS AND SOUTHERN FLORIDA CORPORATION

CITIZENS EXPRESS COMPANY

*The Citizens Bank

w

Vl

FIRST NATIONAL BANCORP

Bank of Clayton

The First National Bank of White County

First National Bank of Habersham

Granite City Bank

First State Bank of Gilmer County

*The First National Bank of Gainesvi lie

Bank of Banks County

The First National Bank of Jackson County

The Citizens Bank

FIRST CITIZENS BANKSHARES, INC. *First Citizens Bank

CITIZENS FINANCIAL SERVICES, INC. *Citizens Union Bank

FNB BANKING COMPANY The First National Bank of Barnesvi I le
*First National Bank of Griffin

CCB BANCSHARES, INC. *Citizens Community Bank

LOWNDES BANCSHARES, INC. *Commercial Banking Company

MGEORGIA BANKSHARES, INC. *The Pulaski Banking Company

Pitts FORSYTH Forsyth FORT OGLETHORPE Fort Oglethorpe FORT RUCKER, AL FORT VALLEY Cochran Fort Valley FT.LAUDERDALE,FL GAINESVILLE Gainesvi lie GAINESVILLE Clayton Cleveland Cornelia Elberton EI I i jay Gainesvi lie Homer Jefferson Toccoa GLENNVILLE Glennvi II e GREENSBORO Greensboro GRIFFIN Barnesvi I le Griffin HAHIRA Hahira HAHIRA Hahira HAWKINSVILLE Ha'Wk ins vi I Ie

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

2-25-82 12-15-80 10-04-88
8-24-83
6-21-85 10-28-83
5-11-81

05466 03903 99039 07106
08846 07355 04367

09582 00006

12-16-80 6-17-85 1-17-83
12-15-82 9-16-85 3-23-87

04107 08822 06477
06518 09003 10192

REGISTERED FINANCIAL HOLDING COMPANIES

AND

THEIR (*

F=INALNeCadIALBaSnUk)BSIDIARIES

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

COASTAL BANKSHARES, INC. *The Coastal Bank
LIBERTY SHARES, INC. *The Hinesvi I le Bank
FIRST HOGANSVILLE BANKSHARES, INC. *The Citizens Bank
EMPIRE BANK CORP., INC. *Empire Banking Company
BARNETT BANKS, INC. ANB BANKSHARES, INC. *American National Bank of Brunswick American Bank of Southeast Georgia SUNCOAST BANCORP, INC. FIRST CITY BANCORP, INC. Barnett Federal Savings Bank *Barnett Bank of Atlanta
JBC BANCSHARES, INC. *Jasper Banking Company
PICKENS COUNTY BANCSHARES, INC. *Pickens County Bank
COMMEX FINANCIAL CORPORATION *Commercial Exchange Bank
FMB BANCSHARES, INC. *Farmers and Merchants Bank
FIRST SECURITY BANKSHARES, INC. Bank of Hartwe I I
*Northeast Georgia Bank THE GWINNETT FINANCIAL CORPORATION
*The Bank of Gwinnett County LAFAYETTE BANKSHARES, INC.
*The Bank of LaFayette, Georgia CITIZENS HOLDING COMPANY
*Citizens Banking Company LINCOLN BANCSHARES, INC

HINESVILLE Hinesville HINESVILLE Hinesvi lie HOGANSVILLE Hogansvi lie HOMERVILLE Homervi I Ie JACKSONVILLE, FL BRUNSWICK Brunswick Kingsland VERO BEACH MARIETTA Columbus Palmetto JASPER Jasper JASPER Jasper KENNESAW Kennesaw LAKELAND Lakeland LAVONIA Hartwe I I Lavonia LAWRENCEVILLE Lawrencev i I Ie LAFAYETTE LaFayette LEXINGTON Lexington LINCOLNTON

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

7-07-82 10-24-84
9-23-82 11-22-88 11-25-86
9-19-84 11-25-86 12-02-80
7-10-85 12-08-82 11-14-88 10-11-84 11-15-83
11-03-87 1-03-84 3-03-83
12-03-84

05835 08175 05918 00000 00003 08096 04984 03915
08631 06309 10868 08301 07091
00504 07392 06575 08355

00003
00003 00003

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*Farmers State Bank PERSONS BANKING COMPANY, INC.
*The Peoples Bank The Bank of Perry
THE QUEENSBOROUGH COMPANY *The First National Bank & Trust Company Bank of Wadley
SOUTH GEORGIA BANKSHARES CORP. *Peoples Bank
COMMUNITY FINANCIAL CORPORATION *Community Bank & Trust Company
BANK CORPORATION OF GEORGIA First South Bank
*First South Bank, N.A. BANK SOUTH MACON, INC.
Bank South, Fitzgerald *Bank South, Macon
Bank South, Jasper County, N.A. Bank South, Houston County, N.A. Bank South, Washington County MADISON BANK CORP *Bank of Madison F AND M HOLDING COMPANY, INC. *F & M Bank and Trust Company AMERICAN BANKSHARES, INC. *Cobb American Bank and Trust Company CHATTAHOOCHEE BANCORP, INC. The Buckhead Bank *The Chattahoochee Bank CSL FINANCIAL CORPORATION *Federal Stock Savings Bank FIRST CITY BANCORP, INC. Barnett Federal Savings Bank *Barnett Bank of Atlanta FCS FINANCIAL CORPORATION

Lincolnton LITHONIA Lithonia Perry LOUISVILLE Louisville Wadley LYONS Lyons MABLETON Mableton MACON Ashburn Fort Valley MACON Fitzgerald Macon Mont ice I Io Perry Tenn iII e MADISON Madison MANCHESTER Manchester MARIETTA Marietta MARIETTA Atlanta Marietta MARIETTA Marietta MARIETTA Columbus Palmetto MARTINEZ

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

8-22-80 11-18-85 12-17-80 5-09-88 5-13-80 9-28-78

03788 08387 04116 10665 03640 08182

00728

7-10-85 12-14-84 12-22-88 12-12-88
3-24-82 12-02-80
9-16-83

08915 07833 00000 00000
99003 03915
08803

00003

REGISTERED FINANCIAL HOLDING COMPANIES

AND

THEIR (*

FI=NALNeCadIALBaSnUk)BSIDIARIES

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*First Columbia Bank

THREE RIVERS BANCSHARES *Bank of Mi Ian

CENTRAL AND SOUTHERN HOLDING COMPANY Bank of Greensboro
*The Central and Southern Bank of Georgia

EXCHANGE BANKSHARES, INC. *Exchange Bank

NBWC CORPORATION *The National Bank of Walton County

FMB BANKING CORPORATION *First Merchants Bank

w

ABC BANCORP

CXl

Bank of Thomas County

*American Banking Company

Bank of Quitman

The Citizens Bank of Tifton

SOUTHWEST GEORGIA FINANCIAL CORPORATION *Moultrie National Bank

THE NASHVILLE HOLDING COMPANY Adel Banking Company
*The Citizens Bank

UNITED BANKSHARES, INC. *The United Banking Company

THIRD NATIONAL CORPORATION

PRUCO, INC. *The Prudential Bank and Trust Company

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA PRUCO, INC. *The Prudential Bank and Trust Company

BUTTON GWINNETT BANCORP *Button Gwinnett Savings Bank, FSB

IRWIN BANKCORP, INC. *The Bank of Oci I Ia, Georgia

Martinez MILAN Mi ian MILLEDGEVILLE Greensboro Mi lledgevi lie MILLEDGEVILLE Mi lledgevi lie MONROE Monroe MONTICELLO, FL Thomasv i I Ie MOULTRIE Coo I i dge Moultrie Quitman Tifton MOULTRIE Moultrie NASHVILLE Adel Nashvi I le NASHVILLE Nashvi lie NASHVILLE, TN NEWARK, NJ Atlanta NEWARK, NJ NEWARK, NJ Atlanta NORCROSS Norcross OCILLA Oci II a

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

6-23-87 3-06-81
10-05-83 9-23-82
11-25-86 3-23-81

00268 04207
07292 06096 06130 04309

11-18-80 5-16-85
4-23-85 3-24-87 6-27-83 6-27-83 6-27-83 7-30-87 9-24-84

04015 08792
08769 99034 99023 99025 99023 99002 08185

09582
08514 99025 99025

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

SUN BANKS, INC. PATTERSON BANKSHARES, INC.
*The Patterson Bank NORTHWEST FLORIDA BANKING CORPORATION TATTNALL BANCSHARES, INC.
*The Tattnal I Bank GEORGIA COMMUNITY BANCORP, INC.
Bank of Terre I I Commercial State Bank *The Citizens State Bank NW SERVICES CORPORATION *Northwest Georgia Bank TARA BANKSHARES CORPORATION *Tara State Bank FIRST COMMUNITY BANCSHARES, INC. *First Rome Bank FIRST SUNBELT BANKSHARES, INC. *The Georgia State Bank of Rome ROSSVILLE BANKSHARES, INC. *Rossv i I Ie Bank NORTHSIDE BANCSHARES, INC. *The Northside Bank & Trust Company SENTRY BANCSHARES CORPORATION *Sentry Bank and Trust Company SARDIS BANKSHARES, INC. *Bank of Burke County AMERICORP, INC. *Ameribank, N.A. CHARLTON ASSOCIATES AMER ICORP, INC.
*Ameribank, N.A. SB&T CORPORATION

ORLANDO, FL PATTERSON Patterson QUINCY, FL REIDSVILLE Reidsville REYNOLDS Dawson Dona Isonv i I Ie Reynolds RINGGOLD Ringgold RIVERDALE Riverdale ROME Rome ROME Rome ROSSVILLE Rossvi I Ie ROSWELL Roswe I I ROSWELL Roswe I 1 SARDIS Sardis SAVANNAH Savannah SAVANNAH SAVANNAH Savannah SMYRNA

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

1-17-86 3-18-88 3-03-86 10-25-84

00078 09159
99030 09229
08190

08514 09582

12-14-83 7-10-87 3-17-88 2-27-87 8-13-84 5-08-87 1-10-84 11-05-86 12-27-84 12-27-84 12-27-84 10-22-87

07438 10332 10587 09656 07940 10246 08895 09714 08250 08544 08250 00406

08544 08544

REGISTERED FINANCIAL HOLDING COMPANIES

AND

THEIR (*

F=INALNeCadIALBaSnUk)BSIDIARIES

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*Smyrna Bank & Trust Co. GEORGIA CENTRAL BANCSHARES, INC.
*Georgia Central Bank SOPERTON BANCSHARES, INC.
*The Bank of Soperton GENERAL ELECTRIC COMPANY
GE FINANCIAL SERVICES, INC. GE CAPITAL CORPORATION *Monogram Credit Card Bank of Georgia
GE CAPITAL CORPORATION *Monogram Credit Card Bank of Georgia
GE FINANCIAL SERVICES, INC. GE CAPITAL CORPORATION *Monogram Credit Card Bank of Georgia
FIRST BANKING COMPANY OF SOUTHEAST GEORGIA Metter Banking Company
*First Bulloch Bank & Trust Company SEA ISLAND BANKSHARES, INC.
*Sea Island Bank HENRY COUNTY BANCSHARES, INC.
*The First State Bank CENTRAL BANKING COMPANY
*The Central Bank SPIVEY BANK SHARES, INC.
*Spivey State Bank FIRST BANK HOLDING COMPANY
*Sylvester Banking Company SOUTHERN BANK CORP., INC. WCG BANCSHARES, INC.
*West Central Georgia Bank ALLIED BANKSHARES, INC.
Bank of Columbia County Bank of Mi lien Bank of Morgan County

Smyrna SOCIAL CIRCLE Social Circle SOPERTON Soperton STAMFORD, CT STAMFORD, CT STAMFORD, CT Roswe I I STAMFORD, CT Roswe I I STAMFORD, CT STAMFORD, CT Roswe I I STATESBORO Metter Statesboro STATESBORO Statesboro STOCKBRIDGE Stockbridge SWAINSBORO swainsboro SWAINSBORO Swainsboro SYLVESTER Sylvester TALLAHASSEE, FL THOMASTON Thomaston THOMSON Harlem Mi lien Rutledge

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

9-06-84 8-26-88 6-27-88 6-27-88 6-27-88 6-27-88 6-27-88 6-27-88 2-08-82
4-22-88 3-07-83 10-07-81 8-25-86 8-22-83 9-23-87 12-10-82 12-03-84

08186 10844 99040 99041 99042 99042 99041 99042 05406
10613 06447 04725 09550 07021 99043 06007 08481

99040 99040 99040 99040 99040
00006

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

*Bank of Thomson 1ST FRANKLIN CORPORATION
*Liberty Bank & Trust TRI-STATES BANKSHARES, INC.
*Bank of Dade SUMMERVILLE/TRION BANCSHARES, INC.
*First National Bank of Chattooga County EAGLE BANCSHARES, INC.
*Tucker Federal Savings and Loan Association MIDDLE GEORGIA BANKSHARES, INC.
*Citizens Bank ALTAMAHA BANCSHARES, INC.
*Aitamaha Bank and Trust Company PAS BANKSHARES, INC.
Farmers and Merchants Bank *The Park Avenue Bank SUNCOAST BANCORP, INC.
FIRST CITY BANCORP, INC. Barnett Fed~ral Savings Bank
*Barnett Bank of Atlanta DOOLY BANCSHARES, INC.
*Bank of Dooly VILLA RICA BANCORP, INC.
*Bank of Vi I Ia Rica GUARANTY FINANCIAL SERVICES, INC.
*Guaranty Federal Savings Bank INTERNATIONAL CITY BANCORP, INC.
*International City Bank CB FINANCIAL CORP.
*Citizens Bank WASHINGTON/WILKES CORPORATION
*Farmers and Merchants Bank FIRST AMERICAN BANKSHARES, INC.

Thomson TOCCOA Toccoa TRENTON Trenton TRION Summerv i I Ie TUCKER Tucker UNADILLA Vienna UVALDA uvalda VALDOSTA Adel Valdosta VERO BEACH MARIETTA Columbus Palmetto VIENNA Vienna VILLA RICA Vi II a Rica WARNER ROBINS Warner Robins WARNER ROBINS Warner Robins WARRENTON Warrenton WASHINGTON Washington WASHINGTON, DC

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

3-12-84 4-27-82 2-14-86 1-24-86 10-31-83 11-03-80 8-02-82
11-25-86 12-02-80
4-03-85 8-15-86 1-20-88 11-19-86 1-09-86 3-20-86 6-01-87

08882 04964 08753 99008 07218 03999 05936
04984 03915
08596 09490 99012 09712 09256 09138 99027

00003 00003
04140

REGISTERED FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)

HOLDING COMPANIES AND FINANCIAL SUBSIDIARIES (NOTE: Out-of-State banking subsidiaries of
non-Georgia holding companies omitted.)

CITY

GEORGIA BANKSHARES, INC. *First American Bank of Georgia, N. A. NATIONAL BANK OF GEORGIA CORPORATION
FIRST AMERICAN CORPORATION FIRST AMERICAN BANKSHARES, INC. GEORGIA BANKSHARES, INC. *First American Bank of Georgia, N. A. NATIONAL BANK OF GEORGIA CORPORATION
BANK SOUTH WAYCROSS, INC. Bank South, Douglas Bank South, Mount Vernon
*Bank South, Waycross FIRST BURKE BANKING COMPANY
*The First National Bank of Waynesboro FIRST BANKSHARES OF WEST POINT, INC.
*First National Bank of West Point ATKINSON COUNTY BANKSHARES CORPORATION
*The Peoples Bank PEOPLES HOLDING COMPANY
*The Peoples Bank THE WACHOVIA CORPORATION WOODBURY BANCSHARES, INC.
*The Woodbury Banking Company TSB BANCORP, INC.
*Talbot State Bank FIRST CHEROKEE BANCSHARES, INC.
*First National Bank of Cherokee FIRST COMMUNITY CORPORATION
*First Community Bank of Cherokee WRIGHTSVILLE BANCSHARES, INC.
*Bank of Wrightsvi I le

ATLANTA Atlanta ATLANTA WASHINGTON, DC WASHINGTON, DC ATLANTA Atlanta ATLANTA WAYCROSS Douglas Mount Vernon Waycross WAYNESBORO Waynesboro WEST POINT West Point WILLACOOCHEE Wi I Iacoochee WINDER Winder WINSTON-SALEM,NC WOODBURY Woodbury WOODLAND Woodland WOODSTOCK Woodstock WOODSTOCK Woodstock WRIGHTSVILLE Wr i ghtsv i I Ie

RUN DATE: 3-16-89 AS OF DATE: 12-31-88

APPROVED

HC#

HIGH

HOLDER

HC#

7-05-83 12-29-88 6-01-87
6-01-87 7-05-83 12-29-88 10-21-81

06943 99044 99026 99027 06943 99044 04705

04140 04140 04140 04140 04140 04140 00728

2-26-86 7-13-83 9-18-80 11-17-83
12-08-83 5-02-88 12-20-88 7-21-87 11-03-86

09223 06902 03887 07129 00615 07283 10596 00000 00266 09330

99020

-NA-ME-O-F AGENCY
Barclays Bank PLC The Bank of Nova Scotia Algemene Bank Nederland, N.V. Swiss Bank Corporation Canadian Imperial Bank of Commerce Commerzbank Aktiengesellschaft Credit Suisse The Toronto-Dominion Bank Kredietbank, N.V. Credit Lyonnais Bayerische Vereinsbank AG Standard Chartered Bank 1 Banca Nazionale Del Lavoro w~National Westminster Bank PLC The Sanwa Bank, Limited National Bank of Canada The Sumitomo Bank, Limited Nederlandsche Middenstandsbank NV The Dai-Ichi Kangyo Bank, Limited The Fuji Bank, Limited Banco Popular de Puerto Rico Creditanstalt-Bankverein

INTERNATIONAL BANK AGENCIES

LOCATION

LICENSE NO.

ISSUED

London, England Toronto, Ontario, Canada Amsterdam, The Nederlands Basle, Switzerland Toronto, Ontario, Canada Frankfurt, West Germany Zurich, Switzerland Toronto, Ontario, Canada Brussels, Belgium Paris, France Munich, West Germany London, England Rome, Italy London, England Tokyo, Japan Montreal, Quebec, Canada Osaka, Japan Amsterdam, The Nederlands Tokyo, Japan Tokyo, Japan Hato Rey, Puerto Rico Vienna, Austria

1

6-11-76

2

5-27-77

3

6-24-77

4

7-14-77

5

4-05-78

6

10-31-78

7

11-27-78

8

2-23-79

10

3-20-80

11

11-06-80

12

12-01-80

13

10-19-81

14

2-09-82

16

7-03-84

17

11-14-84

18

4-10-85

19

8-04-87

20

11-03-87

21

12-01-87

22

12-09-87

23

7-11-88

24

10-13-88

RENEWED
6-11-88 7-01-88 6-24-88 7-14-88 4-05-88 10-31-88 11-27-88 2-23-88 3-20-88 11-06-88 12-01-88 10-19-88 2-09-88 7-03-88 10-14-88 4-10-88 8-04-88 11-03-88 12-01-88 12-09-88

TOTAL GEORGIA ASSETS (In Thousands)
2,236,165 ,119' 136
385,034 499,677 125,215
879,850
34,571 139,358 697,870
501,143
348,078
172,955 77' 335

Agencies with no assets operate as Representative Offices only.

INTERNATIONAL BANK FACILITIES

PARENT LOCATION

PERMIT NO.

ISSUED

The Citizens & Southern National Bank
First American Bank, National Association The First National Bank of Atlanta
Trust Company Bank Banca Nazionale Del Lavoro Bank South, N.A.

Atlanta, GA Atlanta, GA Atlanta, GA Atlanta, GA Rome, Italy Atlanta, GA

1 12-22-81

2

1-06-82

3

1-26-82

4

2-02-82

7 10-24-83

9 12-28-84

RENEWED
12-22-88 1-06-88 1-26-88 2-02-88
10-24-88 12-28-88

REPRESENTATIVE OFFICES OF INTERNATIONAL BANKS

PARENT NAME

PARENT LOCATION

Deutsche Genossenschaftsbank Lloyds Bank PLC National Australia Bank, Ltd. The Bank of Tokyo, Ltd The Industrial Bank of Japan, Ltd. The Long-Term Credit Bank of Japan, Ltd. The Mitsui Bank, Ltd. The Tokai Bank, Ltd. The Yasuda Trust and Banking Company, Ltd. Vereins-und Westbank, AG

Hamburg, W.Germ. London, England Melbourne, Austr Tokyo, Japan Tokyo, Japan Tokyo, Japan Tokyo, Japan Tokyo, Japan Tokyo, Japan Hamburg, W.Germ.

OFFICE LOCATION
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

- 44 -

REPRESENTATIVE OFFICES OF DOMESTIC BANKS

PARENT NAME

PARENT CITY

Altus Mortgage Corporation Ameribanc Savings Bank American National Bank and Trust Co. Ameriwest Mortgage Corporation AmFed Mortgage AmSouth Bank of Florida Bane One Leasing Corporation BancPlus Savings Association Bank of America NT&SA Bank of Columbia County Bank Western Federal Savings Bank Bankers Trust Company Barnett Banks, Inc. 1 Beneficial Corporation ~ Chemical Mortgage Company lJl Chemical New York Corporation Chevy Chase Savings Bank, F.S.B. Citicorp North American, Inc. Collateral Mortgage, Ltd. Commonwealth Savings Association Continental Illinois National Bank and Trust Company Crestar Mortgage Corporation GrassLand-Savings, FSB Dahlonega Bancorp, Inc. Essex Savings Bank, Inc. Federal Guaranty Funding Corporation Fellowship Savings and Loan Association First Alabama Bank First American Savings Bank, F.S.B. First Federated Savings Bank First Illinois Corporation First Union Corporation Fleet Mortgage Corp. Goldome Acceptance Corporation

Atlanta Annandale Chattanooga Albuquerque Jacksonville Pensacola Westerville Pasadena Atlanta Harlem Denver New York Jacksonville Wilmington Columbus New York Chevy Chase Atlanta Birmingham Houston Chicago Richmond Bradenton Dahlonega Elizabeth City Columbus Bergenfield Montgomery Greensboro North Palm Beach Evanston Charlotte Milwaukee Buffalo

PARENT STATE
GA VA
TN
NM
FL FL OH TX GA GA
co
NY FL DE OH NY MD GA AL TX IL VA FL GA NC GA NJ AL NC FL IL NC WI NY

OFFICE LOCATION
Various Not Available Atlanta Atlanta St. Simons, Island Atlanta Roswell Atlanta Atlanta Grovetown Not Available Atlanta Marietta Various Atlanta Various Various Various Various Atlanta Atlanta Atlanta Atlanta Dahlonega Atlanta Columbus Not Available Columbus Atlanta Atlanta Various Various Atlanta Atlanta

REPRESENTATIVE OFFICES OF DOMESTIC BANKS

PARENT NAME

PARENT CITY

Great Western Financial Corporation Hallmark Service Corporation Home Owners Funding Corp. of America Irving Bank Corporation/Irving Trust Company
Irving Savings & Loan Association
J. C. Penny Company, Inc. Lomas Bank USA Manufacturers Hanover Corporation Marine Midland Banks, Inc. Maryland National Bank MNC Financial, Inc. NCNB National Bank of North Carolina Provident National Bank I Savings Financial Corporation ~Sears, Roebuck and Co. Security Pacific Financial Services of Georgia, Inc.
1
Shawmut First Mortgage Corp. Standard Federal Savings Bank State Street Bank and Trust Company SunTrust Banks, Inc. Talbot State Bank The Bank of Tokyo Trust Company The Dime Savings Bank of New York, FSB The First National Bank of Boston The First National Bank of Chicago The Industrial Bank of Japan Trust Company
Western Savings & Loan Association
WestLine Credit Corporation World Savings and Loan Association

Beverly Hills Plano Burlington New York North Haledon Dallas Wilmington New York Buffalo Baltimore Baltimore Charlotte Philadelphia Lake Jackson Atlanta San Diego Dallas Gaithersburg Boston Atlanta Woodland New York Garden City Boston Chicago New York Phoenix Denver Oakland

PARENT STATE
CA TX MA
NY
NJ TX DE
NY NY MD MD
NC PA TX GA CA TX MD MA GA GA
NY NY MA IL NY
AZ
co
CA

OFFICE LOCATION
Various Norcross Various Atlanta Atlanta Atlanta Atlanta Various Various Atlanta Various Atlanta Atlanta Marietta Atlanta Various Smyrna Atlanta Atlanta Atlanta Various Atlanta Atlanta Various Atlanta Atlanta Chamblee Atlanta Atlanta

SUMMARY OF ACTIVITIES OF FINANCIAL INSTITUTIONS DURING 1988

STATE-CHARTERED BANKS OPENED JANUARY 1, 1988
Opened During Year Merged During Year State-Chartered Trust Companies Business Development Corporations
Opened December 31, 1988
BANK OFFICES, BRANCHES, AND FACILITIES OF STATECHARTERED BANKS OPENED JANUARY 1, 1988
Opened During Year Closed During Year Merged During Year Extension Included in 1987 Total
Opened December 31, 1988
FINANCIAL HOLDING COMPANIES REGISTERED JANUARY 1, 1988
Registered During Year Deregistered During Year
Registered December 31, 1988
INTERNATIONAL BANKING AGENCIES LICENSED JANUARY 1, 1988
License Issued During Year Closed During Year
Licensed December 31, 1988
INTERNATIONAL BANKING FACILIITES LICENSED DECEMBER 31, 1988
INTERNATIONAL BANK REPRESENTATIVE OFFICES REGISTERED JANUARY 1, 1988
Registered During Year
Registered December 31, 1988
DOMESTIC BANK REPRESENTATIVE OFFICES REGISTERED DECEMBER 31, 1988

302 + 22
4 1 1
322
421 + 52
7 2 1
463
186 + 20
6 200
22 +2
2
22
6
7 +3
10
63

- 47 -

SUMMARY OF ACTIVITIES OF STATE CHARTERED CREDIT UNIONS

CHARTER APPLICATIONS APPROVED
NONE

LIQUIDATIONS AND/OR MERGERS

NAME OF CREDIT UNION Associated Grocers "CPC" Calhoun-Gordon County Educators Christian Churches Columbus Coca-Cola Employees Crown Crafts, Inc. Employees
F.D. & L. Employees
GAE Members South Georgia Area Public
Employees Southern States Employees US SAC

LOCATION College Park Columbus Calhoun Fayetteville Columbus Calhoun Doraville Decatur Valdosta

ACTIVITY

APPROVED

Merger

10-07-88

Merger

06-03-88

Merger

09-08-88

Receivership 07-13-88

Merger

12-14-88

Merger

03-28-88

Merger

03-24-88

Merger

09-27-88

Merger

05-19-88

Savannah Atlanta

Merger Merger

03-03-88 09-14-88

SUMMARY OF ADDITIONS AND DELETIONS DURING 1988

IN OPERATION JANUARY 1, 1988

148

CREDIT UNIONS OPENING DURING YEAR

+0

CREDIT UNIONS APPROVED FOR MERGERS AND LIQUIDATIONS

-11

TOTAL ACTIVE CREDIT UNIONS IN OPERATION DECEMBER 31, 1988

137

- 48 -

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-
2,875.70

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

Atlanta 5-15-81

GCUDIC $ 6,935.08
400.00 2,497.34

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

Atlanta 9-23-76

GCUDIC
$22,257.64 -0-
-o-

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

Dalton 7-29-80

GCUDIC $ 320.06
65.00

Christian Churches Credit Union Unpaid Claims Liquidation Expenses Payable Estimated Value of Remaining Assets

Fayetteville

7-13-88

GCUDIC $391,833.27
-o-
441,535.00

- 49 -

LIST OF STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

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

Dougherty Dougherty Dougherty Sumter Clarke Clarke Clarke Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Cobb Fulton Cobb Fulton Fulton Fulton Fulton Cobb Fulton Fulton Fulton Dekalb Fulton Fulton Fulton Fulton Dekalb Fulton

Albany Federal Employees Credit Union Keenan Credit Union Phoebe Putney Employees' Credit Union Sumter County Teachers Credit Union Athens Division Credit Union Dairy-Pak Athens Credit Union Educators' Credit Union American Heritage Credit Union Associated Credit Union Atlanta City Employees Credit Union Atlanta Coca-Cola Bottling Co. Employees' The Atlanta Cooperative Credit Association Atlanta Postal Credit Union Atlantic Steel Credit Union AMILSCO Credit Union Chevron Southern Credit Union Delta Employees Credit Union Federal Employees (The) Credit Union Georgia Department of Human Resources Cr. Un. Georgia Department of Labor Credit Union Georgia Department of Public Safety Cr. Un. Georgia DOT Credit Union Georgia International Credit Union Georgia State Dept. of Education Credit Union Georgia Telco Credit Union GPC Credit Association GTA Credit Union H M B Employees Hospital Authority Credit Union IBEW Local 613 Credit Union Mead Employees' Credit Union Mutual Savings Credit Union Piedmont Hospital Credit Union

*Amounts are in thousands as of 12-31-88

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

TOTAL *ASSETS
4,245 1,075 1,149
302 3,957
804 291 17,075 28,435 17,242 9,636 514 363,499 10,988
34 1, 770 514,089 146,395 6,332 3,544 3,034 15' 534
551 5,756 403,091 5,653 4,978 3,445 10,743 1,839 4,604 25,214 2,090

LIST OF STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Augusta Augusta Augusta Bainbridge Baldwin Buford Carnesville Carroll ton Chatsworth Columbus Columbus Columbus Columbus Columbus Columbus Columbus Coosa Cordele Cornelia Cornelia Cuthbert Dalton Dalton

Fulton Dekalb Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Richmond Richmond Richmond Decatur Banks Gwinnett Franklin Carroll Murray Musco gee Musco gee Musco gee Musco gee Musco gee Muscogee Musco gee Floyd Crisp Habersham Habersham Randolph Whitfield Whitfield

Pinnacle Credit Union Reliance Credit Union Rich's Employees Credit Union S.M.C.R.C. Credit Union Sewell Employees' Credit Union Southern Freight Bureau Employees Cr. Union Southern Postal Credit Union State Employees Credit Union Thrift (THE) Williams Bros. Employees' Savings and Credit Health Center Credit Union
King Mill Savings & Credit Association
Richmond Co.Health Dept. Employees Cr. Union Amoco Fabrics Company Credit Association Fieldale Credit Union Lovable Credit Union Bulldog Trucking Employees Credit Union Fashion Star Employees Credit Union Tri-State Credit Association, Inc.
Columbus Health & Hospital Credit Union
Columbus Postal Credit Union Columbus Regional Hospital Credit Union Gas Light Employees Credit Union Swift Credit Union Torn's Credit Association W. C. Bradley Employees' Credit Association Rome Kraft Employees Credit Union Harris Employees Credit Union Ethicon Credit Union Statco Credit Union Day Company Inc., Employees Credit Union N.G.E.M.C. Credit Union Tappan Employees' Credit Union

*Amounts are in thousands as of 12-31-88

CHARTER DATE
11-26-26 1-23-78 3-04-38 1-10-39 1-14-75
11-19-35 3-15-28
11-14-61 10-24-28
9-20-78 1-16-76 6-30-27 12-20-52 1-31-75 10-10-80 11-05-84 2-16-84 1-04-85 10-02-81 11-25-53 1-07-27 7-18-75 11-12-57 2-26-65 11-03-81 9-30-75 3-31-55 5-19-47 1-30-79 1-18-65 6-10-81 8-27-52 5-06-80

TOTAL *ASSETS
30,071 18,305 18,083
355 972 358 16,946 27,019 12,606 2,191 6,475 5,253 342 2,253 2,847 306 522 175 437 1,940 20,827 207 302 1,501 2,383 171 7,483 552 2,991 1,149 25 946 191

LIST OF STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

CHARTER DATE

Dalton

Decatur

Decatur

Decatur

Decatur

Douglas

Dry Branch

Dublin

Duluth

East Point

East Point

East Point

Fitzgerald

Forest Park

Ul N

Ft. McPherson

Gainesville

Glynco

Gordon

Griffin

Hapeville

Hapeville

Hazlehurst

Hazlehurst

Helen

Jackson

Jonesboro

Lafayette

Macon

Macon

Macon

Macon

Macon

Macon

Whitfield Dekalb Dekalb Kekalb Dekalb Coffee Bibb Laurens Gwinnett Fulton Fulton Fulton Ben Hill Clayton Fulton Hall Glynn Wilkinson Spalding Fulton Fulton Jeff Davis Jeff Davis White Butts Clayton Walker Bibb Bibb Bibb Bibb Bibb Bibb

Whitfield County Postal Employees Decatur Postal Employees Credit Union Decatur Teachers Credit Union Kraft Employees Credit Union Woodco (The) Credit Union Coffee General Hospital Employees Cr. Union Georgia Kaolin Employees Credit Union Dublin Federal Employees Credit Union Georgia Central Credit Union Colonial Credit Union East Point Municipal Employees Credit Union Fulton Teachers Credit Union P. H. P. Credit Association
Employees Savings & Credit Association
Ft. McPherson Credit Union HCH Employees' Credit Union Glynn County Federal Employees Credit Union White Gold Credit Union
Launderers & Cleaners Credit Union
Hapeville Auto Employees Credit Union Hapeville Employees' Credit Union H and S Employee Credit Association Patchogue-Plymouth Employees Credit Union
Orbit Savings & Credit Association
CGEMC Employees Credit Union Tara Credit Union Roper LaFayette Employees Credit Union City Employees' Credit Union Federal Employees Credit Union Macon Firemen's Credit Union Macon Kraft Employees Credit Union Macon Oil Processors Credit Union Macon Police Credit Union

3-02-51 10-30-51 11-16-55 5-29-34 6-17-53 3-03-72
1-08-51 1-16-51 5-01-36 8-13-29 3-06-41 11-02-30 4-05-76 8-21-80 7-23-48 10-15-74 4-03-53 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 4-18-42 1-31-49 3-12-46 10-02-50

*Amounts are in thousands as of 12-31-88

TOTAL *ASSETS
685 5,528
392 7,913
427 222 1,038 2,570 303,770 11,047 714 13,139 1,427 3,985 9,232 1,009 4,084 776 2,937 8,367 1,225 219 4, 752 328 715 9, 154 642 1,233 4,353 976 6,480 2,332 451

LIST OF STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

Macon Macon Macon Marietta Marietta Mcintyre Milledgeville Milledgeville Montezuma Moultrie Moultrie Nashville Norcross Norcross Pine Mountain Ringgold Rome Rome Savannah Savannah Savannah Savannah Savannah Savannah Savannah Savannah Savannah Sea Island Statesboro Tallapoosa Thomasville Thomasville Toccoa

Bibb Bibb Bibb Cobb Cobb Wilkinson Baldwin Baldwin Macon Colquitt Colquitt Berrien Gwinnette Gwinnett Harris Catoosa Floyd Floyd Chatham Chatham Chatham Chatham Chatham Chatham Chatham Chatham Chatham Glynn Bulloch Haralson Thomas Thomas Stephens

Macon Water Works Credit Union Medical Center of Central Ga. Credit Union Smith and Sons Employees Credit Union C-MAR Credit Union Kennestone Regional Credit Union Engelhard Employees' Credit Union Baldwin Co. Hospital Employees Credit Union Central State Hospital Credit Union Southern Frozen Foods Employees Credit Union Employees Credit Union c/o New Sipco Inc. Moultrie Container Employees Credit Union Nashville Mills Employees Credit Association Genuine Parts Credit Union Rock-Term Company Employees Credit Union Callaway Gardens Credit Association Salem Carpet Mills Credit Union Floyd County Postal Employees Credit Union Northwest Georgia Credit Union Family Lines Credit Union of Savannah G. P. A. Credit Union Health Employees Chatham County Credit Union
Savannah Electric & Power Employee Cr. Union
Savannah Federal Credit Union Savannah J-Mers Credit Union Savannah Postal Credit Union Savannah Regional Hospital Credit Union Workmen's Circle Credit Union Sea Island Employees Credit Union Central Ogeechee River Educators Credit Union Dixisteel Credit Union Davis Employees Credit Association Flowers Employees Credit League North Georgia Credit Union

*Amounts are in thousands as of 12-31-88

CHARTER DATE
7-11-50 12-01-71
6-07-73 10-29-64
6-10-81 3-04-80 1-06-58 8-28-52 11-22-72 4-24-33 3-01-83 11-21-72 1-25-37 7-30-74 7-26-77 7-06-73 4-17-26 11-25-81 12-29-28 11-17-52 8-01-55 4-11-39 6-10-31 9-18-64 6-23-52 4-17-72 2-06-50 5-27-80 6-21-74 4-16-62 10-13-70 11-17-71 3-29-82

TOTAL *ASSETS
191 4,021
623 10,781 5,425
356 913 8,232 374
32 400 4,549 2,994 3,401 445 1,558 1,042 13,128 5,861 2,654 1,308 2,687 4,156 595 4,856 498 7,451 9,065 3,654 859 815 9,909 5,966

CITY
Toccoa Valdosta Valdosta Warner Robins Wrens

COUNTY
Stephens Lowndes Lowndes Houston Jefferson

LIST OF STATE-CHARTERED CREDIT UNIONS
NAME OF CREDIT UNION
Wright Manufacturing Employees Credit Union Valdosta Educators Credit Union Valdosta Onized Credit Union Warner Robins Employees Credit Union
Georgia-Tennessee Mining & Chemical Employees

CHARTER DATE
11-18-63 11-28-72
7-30-54 10-09-69 3-31-70

TOTAL *ASSETS
2,577 1,755 15,911
2, 720
43

*Amounts are in thousands as of 12-31-88

APPLICATIONS FOR CREDIT UNIONS TO CHANGE NAME APPROVED

NAME OF CREDIT UNION

LOCATION

CHANGE NAME TO

Atlanta Railway Postal Credit Union Hospital Authority Employees Credit Union American Freight Systems Employees Credit Un Cumberland Credit Association Georgia Kraft Employees Credit Union

Atlanta Atlanta Atlanta Chatsworth Macon

Southern Postal Credit Union Hospital Authority Credit Union American Heritage Credit Union Tri-State Credit Association, Inc. Macon Kraft Employees Credit Union

APPROVED
2-11-88 4-22-88 9-16-88 3-25-88 3-14-88

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT REPORT OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA AS OF DECEMBER 31, 1988
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1987 (Amounts in Thousands)

NO. OF CREDIT UNIONS NO. OF PRIMARY MEMBERS

Dec. 31 % TOTAL DEC.31 % TOTAL AMOUNT

%

1988 ASSETS

1987 ASSETS + OR - + OR -

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

138

148

488,076

465,360

ASSETS

Cash and Demand Deposits 42,617 1. 8%

u.s. Govt. Obligations

450,429 19.1%

Corporate Credit Unions 436,557 18.5%

Other Investments

336,197 14.3%

Net Loans

1,056,754 44.8%

Fixed Assets

11,072 0. 5%

Other Assets

24,391 1.0%

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

TOTAL ASSETS

2,358,017 100.0%

40,949

1. 9% 1,668

4.1%

375,741 17.0% 74,688 19.9%

436,862 19.8%

(305) -0.1%

372,969 16.9% (36,772) -9.9%

949,209 43.0% 107,545 11.3%

10,238 0.5%

834 8.1%

19,648 0.9% 4, 743 24.1%

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

2,205,616 100.0% 152,401

6.9%

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

LIABILITIES

Share Drafts All Other Deposits Div.jint Payable Notes Payable Accounts Payable and
Other Liabilities

138,912 5.9% 2,024,857 85.9%
9,280 0.4% 8,735 0.4%
11,509 0.4%
----------------

121,550 5.5% 17,362 14.3%

1,919,634 87.0% 105,223

5.5%

8,898

0.5%

382

4.3%

6,341

0.3% 2,394 37.8%

7,454 0. 3% 4,055 54.4%

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

TOTAL LIABILITIES

2,193,293 93.0% 2,063,877 93.6% 129,416 6.3%
---------------- ---------------- -------- -------

EQUITY CAPITAL

Member Shares Reserves Undivided Earnings
TOTAL EQUITY CAPITAL

6,829 0.3% 73,095 3.1% 84,800 3.6%
----------------
164,724 7.0%

6,326

0.2%

503

67,811

3.1% 5,284

67,602

3.1% 17,198

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

141,739

6.4% 22,985

8.0% 7.8% 25.4%
16.2%

TOTAL LIABILITIES AND 2,358,017 100.0% 2,205,616 100.0% 152,401 EQUITY CAPITAL

6.9%

- 56 -

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENT OF EARNINGS AND EXPENSE OF
STATE CHARTERED CREDIT UNIONS IN GEORGIA FOR
CALENDAR YEARS ENDING DECEMBER 31, 1988 AND DECEMBER 31,

1987

OPERATING INCOME

Dec. 31 % TOTAL DEC.31 % TOTAL AMOUNT

%

1988 INCOME

1987 INCOME + OR - + OR -

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

Interest on Loans Income from Investments Other Income

115,600 51.3% 100,529 44.7%
9,031 4.0%

108,436 79,420 6,837

55.7% 7,164 40.8% 21,109
3.5% 2,194

6.6% 26.6%
32.1%

TOTAL OPERATING INCOME 225,160 100.0% 194,693 100.0% 30,467 15.6%

OPERATING EXPENSES
Empl. Comp. & Benefits
Office Expenses Interest on Borrowed
Money Other Expenses
TOTAL OPERATING EXPENSES

20,558 11,385
3,620

9.1% 5.1% 1. 6%

13,604 6.0%

49,167 21.8%

18,585 10,227
28
11,531
40,371

9.5% 5.3% 0.0%
5.9%
20.7%

1' 973 10.6% 1,158 11.3% 3' 592 12828.6%
2,073 18.0%
8,796 21.8%

INCOME BEFORE RESERVE

175,993 78.2%

TRANSFERS AND SECURITIES

GAINS AND LOSSES

Net Reserve Transfer

13,670 6.1%

INCOME BEFORE SECURITIES 162,323 72.1% GAINS/LOSSES

Securities Gains/ Losses, Net

93 0.0%

Other Non-Oper. Gains/Losses

457 0.2%

NET INCOME AVAILABLE FOR DIVIDENDS

162,873 72.3%

Dividends/Interest on
Shares & Deposits

147,259 65.4%

NET INCOME RETAINED

15,614 6.9%

154,322 79.3% 21,671 14.0%

12,927 141,395

6.7%

743

72.6% 20,928

5.7% 14.8%

432

0.2%

(339) -78.5%

0

0.0%

457 0.0%

141,827 72.8% 21,046 14.8%

125,344 64.4% 21,915 17.5%

16,483

8.4%

(869) -5.3%

- 57 -

City Winterville

LIST OF STATE-CHARTERED SAVINGS BANKS

Amounts in Thousands

County

Name

Charter Date

Begin

Total

Business Assets

Clarke

Southern Heritage Savings Bank

4-02-85 10-25-85 $14,057

Report of Condition and the Comparative Statement of Earnings for Southern Heritage Savings Bank are included with those for commercial banks.

- 58 -

FIRMS AUTHORIZED TO SELL CHECKS UNDER THE GEORGIA SALE OF CHECKS ACT

NAME OF LISCENSEE American Express Travel Related
Services Company, Inc.
BA Cheque Corporation &
BankArnerican Corporation Barclays Bank PLC The Circle K Corporation
Citicorp & Citicorp Service, Inc.
Corndata Network, Inc. Deak Georgia, Inc.
and/or Deak California, Inc., and/or Deak International Limited Global Express Money Orders, Inc. Munford, Inc. National Money Orders, Inc. Republic Money Orders, Inc. Societe Francaise du Cheque de Voyage Swiss Bankers Travellers Cheque Center Thomas Cook, Inc.
Travelers Express Company, Inc. Travellers Cheque Associates Ltd.

LOCATION New York, NY
San Francisco, CA
New York, NY Phoenix, AZ Chicago, IL Nashville, TN Atlanta, GA

TOTAL NO. OF GEORGIA AGENTS
880
106
347* 261 216* 270
3

Silver Springs, MO

43

Atlanta, GA

151*

Houston, TX

35

Dallas, TX

527

New York, NY

10

New York, NY

3

Princeton, NJ

86

Minneapolis, MN

1436

New York, NY

13
* Estimated

(Chapter 7-1-680-692, Financial Institutions Code of Georgia)
NOTE: 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 may sell checks without obtaining a special license. 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 Horne Loan Bank of Atlanta, National Credit Union Administration.
- 59 -

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

12-31-88

12-31-87

$ 252,056 9,457,991 6,996 375,459 10,326 111,975
$10,214,803
=========

$ 22,159 8,762,342 13,993 2,532 17,326 125,415
$8,943,767 ====

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

$ 179,480
6,425,845
3,609,478
$10,214,803
=========

$ 98,205 5,500,312
_3,345,250
$8,943,767
========

- 60 -