Colony Bankcorp, Inc. is a Georgia business corporation which was incorporated
on November 8, 1982. The Company was organized for the purpose of operating
as a bank holding company under the Federal Bank Holding Company Act of 1956,
as amended, and the bank holding company laws of Georgia (Georgia Laws 1976,
p. 168, et. seq.). On July 22, 1983, the Company, after obtaining the requisite
regulatory approvals, acquired 100 percent of the issued and outstanding common
stock of Colony Bank (formerly Colony Bank of Fitzgerald and The Bank of Fitzgerald),
Fitzgerald, Georgia, through the merger of the Bank with a subsidiary of the
Company which was created for the purpose of organizing the Bank into a one-bank
holding company. Since that time, Colony Bank has operated as a wholly-owned
subsidiary of the Company. Our business is conducted primarily through our wholly-owned
subsidiary, which provides a broad range of banking services to its retail and
commercial customers. The company headquarters are located at 115 South Grant
Street, Fitzgerald, Georgia 31750, its telephone number is 229-426-6000 and
its Internet address is http://www.colonybank.com.
Because Colony Bankcorp, Inc. is a bank holding company, its principal operations
are conducted through its subsidiary bank, Colony Bank (the “Bank”).
It has 100 percent ownership of its subsidiary and maintains systems of financial,
operational and administrative controls that permit centralized evaluation of
the operations of the subsidiary bank in selected functional areas including
operations, accounting, marketing, investment management, purchasing, human
resources, computer services, auditing, compliance and credit review. As a bank
holding company, we perform certain stockholder and investor relations functions.
Our principal subsidiary is the Bank. The Bank, headquartered in Fitzgerald,
Georgia, offers traditional banking products and services to commercial and
consumer customers in our markets. Our product line includes, among other things,
loans to small and medium-sized businesses, residential and commercial construction
and land development loans, commercial real estate loans, commercial loans,
agri-business and production loans, residential mortgage loans, home equity
loans, consumer loans and a variety of demand, savings and time deposit products.
We also offer internet banking services, electronic bill payment services, safe
deposit box rentals, telephone banking, credit and debit card services, remote
depository products and access to a network of ATMs to our customers. Colony
Bank conducts a general full service commercial, consumer and mortgage banking
business through twenty-nine offices located in central, south and coastal Georgia
cities of Fitzgerald, Warner Robins, Centerville, Ashburn, Leesburg, Cordele,
Albany, Thomaston, Columbus, Sylvester, Tifton, Moultrie, Douglas, Broxton,
Savannah, Eastman, Chester, Soperton, Rochelle, Pitts, Quitman and Valdosta,
Georgia.
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