c.

By

FRY-6 OMB Number7100-0297 Approval expires December 31, 2015 Page 1 of2

Board of Governors of the Federal Reserve System

Annual Report of Holding Compan1

Report at the close of business as of the end of fiscal year

This Report is required by law: Section 5(c)(1 )(A) of the Bank Holding Company Act (12 U.S.C. 1844 (c)(t)(A)); Section 8(a) of the International Banking Act (12 U.S.C. 3106(a)); Sections 11(a)(1), 25 and 25A of the Federal Reserve Act (12 U.S.C. 248(a)(1), 602, and 611a); Section 211 .13(c) of Regulation K (12 C.F.R. 211 .13(c)); and Section 225.5(b) of Regulation Y (12 C.F.R. 225.5(b)) and section 10(c)(2)(H) of the Home Owners' Loan Act. Return to the appropriate Federal Reserve Bank the original and the number of copies specified.

This report form is to be filed by all top-tier bank holding companies and top-tier savings and loan holding companies organized under U.S. law, and by any foreign banking organization that does not meet the requirements of and is not treated as a qualifying foreign banking organization under Section 211.23 of Regulation K (12 C.F.R. 211 .23). (See page one of the general instructions for more detail of who must file.) The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, an information collection unless it displays a currently valid OMB control number.

NOTE: The Annual Report ofHolding Companies must be signed by one director of the top-tier holding company. This individual should also be a senior official of the top-tier holding company. In the event that the top-tier holding company does not have an individual who is a senior official and is also a director, the chairman of the board must sign the report. 1,J. Corey Gib~_s____ _ __________

Name of the Holding Company Director and Official

President Title of the Holding Company Director and Official

attest that the Annual Report of Holding Companies (including the supporting attachments) for this report date has been prepared in conformance with the instructions issued by the Federal Reserve System and are true and correct to the best of my knowledge and belief.

With respect to information regarding individuals contained in this report, the Reporter certifies that it has the authority to provide this information to the Federal Reserve. The Reporter also certifies that it has the authority, on behalf of each individual, to consent or object to public release of information regarding that individual. The Federal Reserve may assume, in the absence of a request for confidential treatment submitted in accordance with the Board's "Rules Regarding Availability of lnfor ation," 12 C.F.R. Part 261, that port individual ent to public release of all

at ~vidual.

For holding companies flQJ. registered with the SECIndicate status of Annual Report to Shareholders:

1:8:1 is included with the FR Y-6 report D will be sent under separate cover D is not prepared

For Federal Reserve Bank Use Only

RSSDID

C.I . ------- -

Date of Report (top-tier holding company's fiscal year-end):

December 31, 2013 Month I Day I Year

Reporter's Name, Street, and Mailing Address

CBC Holding Company Legal Title of Holding Company

P.O. Box 130 (Mailing Address of the Holding Company) Street I P.O. Box

Fitzgerald GA _3_17_5_0____ City State Zip Code

102 West Roanoke Drive Physical location (If different from malling address)

Person to whom questions about this report should be directed:

J . Corey Gibbs President -----------~

Name Tille

229-423-4321 Area Code I Phone Number I Extension

229-423-6656 Area Code I FAX Number

cgibbs@cbcfitzgerald.com E-mail Address

http://www.cbcfitzgerald.com Address (URL) for the Holding Company's web page

Does the reporter request confidential treatment for any portion of this submission?

D Yes Please identify the report items to which this request applies:

D In accordance with the instructions on pages GEN-2 and 3, a letter justifying the request is being provided.

D The information for which confidential treatment is sought is being submitted separately labeled "Confidential."

[gi No

Public reporting burden for this lnrormation collection is estimated to vary from 1.3 to 101 hours per response, with an average of 5.25 hours per response, including time to gather and maintain data in the required form and to review Instructions and complete the information collection. Send comments regarding this burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden to: Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, N.W., Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0297), Washington, DC 20503.

1212012

http:http://www.cbcfitzgerald.commailto:cgibbs@cbcfitzgerald.com

FRY-6 Page 2 of2

For Use By Tiered Holding Companies Top-tiered holding companies must list the names, mailing address, and physical locations of each of their subsidiary holding companies below.

Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Physical location (if different from malling address)

Legal Tiiie of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Physical location (if different from malling address)

Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Physical location (if different from mailing address)

Legal Tiiie of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Physical location (if different from malling address)

Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Physical location (if different from malling address)

Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Physical location (If different from mailing address)

Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Legal Title of Subsidiary Holding Company

(Mailing Address of the Subsidiary Holding Company) Street I P.O. Box

City State Zip Code

Physical location (if different from mailing address) Physical location (if different from mailing address)

12/2012

--~--------------~-----

r ,.7

ITEM2a

CBC HOLDING COMPANY

FITZGERALD, GEORGIA

ORGANIZATION CHART

PARENT COMPANY

CBC Holding Company

Post Office Box 130

102 W. Roanoke Drive

Fitzgerald, Georgia 31750

State of Incorporation: Georgia

John T. Croley, Chairman of the Board

A.B.C. (Chip) Dorminy, Ill, Vice-Chairman of the Board

John Ed Smith, Ill, Secretary

James T. Casper, Ill, Treasurer

J. Corey Gibbs, President and CEO

I I I 100% I

SUBSIDIARY

Community Banking Company of Fitzgerald

Post Office Box 130

102 W. Roanoke Drive

Fitzgerald, Georgia 31750

State of Incorporation: Georgia

John T. Croley, Chairman of the Board

A.B.C. (Chip) Dorminy, Ill, Vice-Chairman of the Board

John Ed Smith, Ill, Secretary

J Corey Gibbs, President and CEO

----~- -----------~~---'t.

ITEM2b CBC HOLDING COMI'ANY FITZGERALD, GEORGIA

DOMESTIC BRANCH LISTING

Branch Popular Name Street Address City State Zip County Country

Service Type Code

Full Service (Head Office)

COMMUNITY BANKING

COMPANY OF

102 W ROANOKE DR FITZGERALD GA 31750 BEN HILL UNITED

STATES

FITZGERALD

Limited

Service

SOUTH MAIN STREET

FACILITY

220 S MAIN ST FITZGERALD GA 31750 BEN HILL UNITED STATES

ITEM3.1 CBC HOLDING COMPANY

FITZGERALD, GEORGIA

SHAREHOLDERS

Percent of Total

Number of Outstanding Name Address Citizenship shares owned Shares

SidneyS. Anderson, Fitzgerald, GA . U.S.A. 110,301 18.15% Jr.

A.B.C Dorminy, III Fitzgerald, GA U.S.A 35,006 5.76%

ITEM 3.2 - None

\ CBCIJOLDtG COMPANY

FITZGE~LD, GA INS{DERS

Nmne & Address

(Cftlf, Stt1te, Co1111tn1)

Pd11cipal Occ11patio11

if vt11er tl11111 witil Bank Holdill\ Compnm/

Tit-le & Positio11

witlt Hauk

Holding Co111pm111

Title & Position

wit/1 Subsidiaries

Title & Positio11 wit11

Ot/1cr Busillesses

Percentage of

Voti/lg Slwrcs

ill .Bank

Holding

Co111pam1

Percentage of

Voti11g

Slwrcs in

Subsidiaries

Otlicr Companies

in wltic11

25% or more

ofVoting

Sec111itics

arc held

George M. Ray Fitzgerald, GA,

I

U.S.A.

Scmi~retired banker

Director (Community Chief Executive Officer Banking Company of and President Fitzgerald N/A 1.00% None None

john T. Croley, Jr.

Fitzgerald, GA j U.S.A.

Attorney, sole practitioner Chairman of the

Board

Chairman of the

Board

(Community

Banking Co. of

Fitzgerald)

Attorney, sole practitioner 4.22% None None

Sidney S. Anderson, Jr.

Fitzgerald, GA /

U.S.A.

General Manager

(Dixie Peanut Company)

Director Emeritus Directory Emeritus

(Community

Banking Co. of

Fitzgerald)

General lvlanager

(Dixie Peanut Company)

18.15% None None

Lee Phillip Liles

Fitzgerald, GAi

U.S.A.

Agency Nfanager

(Georgia Fann Bureau

Nfutual Insurance Co.)

Director Director- (Community

Banking Co. of

Fitzgerald)

Agency Manager

(Georgia Farm Bureau

Ivlutual Insurance Co.)

1.02% None None

Hulin Reeves, Jr. ,

Fitzgerald, GA \ _

U.S.A.

Farmer Director Director- (Comrnw1ity

Banking Co. of

Fitzgerald)

None 1.55% None None

ITEM 4 (cont.)

CBC HOLDING COIVIPANY FITZGERALD, GEORGIA

INSIDERS

Name & Address

(Cit111 State, CatmlnJ)

Principal Occupatio11

if ot!ter t!ta11 iuitl1 Bank f!oldiug Co11ipa1111

Title & Position

zuitlz Bank

H'oldi11g Comn1ttf

Title & Position

rvitlt Subsidiaries

Title & Positio11 ruitlz

Otlzer Busilzesses

Percentage of

Voting Slrares

in Bank

Holrli11g

Co111pn1111

Percentage of

\Toting

Slznres i11

Subsidiaries

Other Co111pn11ies

ill iulzic1t

25/o or more

ofVoting

Securities

are held

Jaines Thon1as Casper, III

Fitzgerald, GA ~

U.S.A.

Certified Public

Accountant

(Worthington and

Casper, CPA, P.C.)

Treasurer Treasurer

(Community

Banking Co. of

Fitzgerald)

Certified Public

Accountant

(Worthington and

Casper, CPA, P.C.)

1.95% None Worthington & Casper,

CPA, P.C.-(50%)

A.B.C. Dorminy, III

Fitzgerald, GA\

U.S.A.

President (ABCD

FaID1S, Inc.)

CEO - (Farmers

Quality Peanut Co.

and D&F Graia Co.)

Vice

Chainnan

Vice

Chaim1an

(Community

Banking Co. of

Fitzgerald)

President - (ABCD

Fam1s1 Inc.)

CEO - (Fam1ers Quality

Peanut Co. and D&F

Grain Co.)

5.76% None ABCD Fam1s, Inc.(73%)

D&F Grain Co. - (65%)

JohnS. Dunn

Fitzgerald, GA\

U.S.A.

Owner - (Shep Dunn

Construction)

Director Director

(Community

Banking Co. of

Fitzgerald)

Owner- (Shep Dunn

Construction)

0.91% None Shep Dunn Construction

(100%)

Wyndall L. Walters

Ocilla, GA ~.

U.S.A.

O'ivner - (Invin County

Motors d/b/a Fitzgerald

Ford Lincoln Mercury)

Director Director - (Con1n1unity

Banking Co. of

Fitzgerald)

Owner - (Irwin County

Motors d/b/a Fitzgerald

Ford Lincoln Mercury)

0.89% None Irwin County Motors

(75%)

ITEM 4 (cout)

CBC HOLDING CONIPANY

FITZGERALD, GEORGIA

INSIDERS

Name & Ari dress

(Cit11, State, Co1111tn1)

Steven L. Mitchell I

Fitzgerald, GA I

U.S.A.

john Edward Smith, III

Fitzgerald, GA I U.S.A.

Charles A. Clark, Sr.

Fitzgerald, GAi

U.S.A.

Art Anderson

Fitzgerald, GAj

U.S.A.

Pri11cipal Occupatio11

if ot/zer t/11111 wit/z B1111k Holding Co111a111/

Co-Owner- (Irwin

Timber Co.)

Attorney- (Jay, Sherrell,

Smith and Braddy)

Executive Officer and

Owner - (C & S Aircraft

Service, Inc. and E1ving

Dusting Service, Inc.)

Self Employed

Investn1ent ivfanager

Title & Position

1vitJ1 Bank

Ilolding Co111a11tf

Director

Secretary

Director

Director

Title & Position

witlz Subsidiaries

Direclor

(Community

Banking Co. of

Fitzgerald)

Secretary

(Community

Banking Co. of

Fitzgerald)

Director

(Community

Banking Co. of

Fitzgerald)

Director

(Community

Banking Co. of

Fitzgerald)

Title & Position 1vitll

Otlwr Busi11esscs

Co-Owner- (Irwin

Timber Co.)

Atlomey-(Jay, Sherrell,

Smith and Braddy)

Executive Officer and

Owner - (C & S Aircraft

Service, Inc. and E'iving

Dusting Service1 Inc.)

None

Percentage. of

Voting Sltares

i11Ba11k

Holdi11g

CompnJtl/

0.64%

0.45%

2.39%

0.18%

Percell tnge of

Voti11g

Sllnres i11

Subsidiaries

None

None

None

None

Other Companies

-in which

25% or more

ofVoti11g

Securit"ies

are lzelrl

Mitchell Brothers

Timber Co. - (100%)

jay, Sherrell, Smith

and Braddy-(25%)

C & S Aircraft Services,

Inc. (100%), Ewing

Dusting Services, Inc (100%)

None

ITEM 4 (cont)

CBC HOLDING COMPANY

Name & Address

(Citt/, State, Co1mtn1)

Louis E, Harper, Jr.

Fitzgerald, GA\ I

U.S.A.

Principal Occupation

if other than witIt

Bank Holding Compa1111

President

LE. Harper Construction Co

Tit-le & Positio11

with Ba11k

Holding Co1111m1111

Director

FITZGERALD, GEORGIA INSIDERS

Title & Position Title & Positio11 with

with S11l1sidimies Otlter B11s{11esses

Director President

(Commwtlty

Banking Co. of

Fitzgerald)

Perce11tage of

Voting Shares

ill Bank

Holding

Co111pm111

0.18%

Perce11tage of

Voting

Slmres in

Subsitfian'es

None

Otlwr Co111pa11ics

i11wliicll

25% or more

of Voti11g

Securities

are 11eld

L EHarperConslruction Co (100%)

LE Harper Conunercial Properties, LLC (100%)

Howard A Wiley

Fitzgerald, GA

U.S.A.

VP Digital Express

\Vireless, Inc

Director Director

(Conm1unity

llanklng Co. of

Fitzgerald)

Partner 0.00% None Digital Express \Vireless,

Inv (50%)

EricHStone

Fitzgerald, G~ U.S.A.

CPA

YVorthington Casper Stone

And Conger

Director Director

(Conununity

Banking Co. of

Fitzgerald)

Partner

Partner

0.00% None \Vortltington, Casper Stone

And Conger (33%)

=Properties LLC (33% )

jack Paulk

Fitzgerald, GA\

U.S.A.

Retired Director Director

(Community

Banking Co. of

Fitzgerald)

Partner

Partner

Partner

1.92% None Halie's Bldg (51%)

Cracker Cabins, LLC(51%)

Sturgeon Creek Parb1ers, LLP (50%)

JCorey Gibbs Fitzgerald, GA !

I

U.S.A.

President and CEO

Community Bank of

Fitzgerald

Director President/CEO

Community Banking

Company of

Fitzgerald

N/A 0.09% None None

FR Y-6 Cover Page For Use by Tiered Bank Holding Companies Report Item 2a: Organization ChartReport Item 2b: Domestic Branch ListingReport Item 3: Securities HoldersReport Item 4: InsidersReport Item 4: Insiders page 2Report Item 4: Insiders page 3Report Item 4: Insiders page 4