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This institution is no longer active

Operations ceased on October 1, 1996. CRA examination history below reflects the period it was active.

EFFINGHAM BANK & TRUST

RINCON, GA · Supervised by FDIC

Est. 1988FDIC #27,192RSSD: FDIC-27192
Satisfactory

Current rating · Exam: October 1995

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Institution Profile

FDIC BankFind

Address

302 South Columbia Drive, RINCON, GA

County

Effingham County

Established

March 14, 1988

Total Assets

$21M(latest call report)

Financial Snapshot

As of Q3 1996Call Report / FDIC

Total Assets

$21M

Total Deposits

$18M

Net Loans

$13M

Net Income

$-126K

ROA

-0.73%

ROE

-8.36%

Risk-Based Capital

15.58%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

October 1, 1995

Exam Type

Not Reported

Regulator

FDIC

Rating History

CRA / FFIEC

2 previous ratings locked — dating back to 1991

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Rating Over Time

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OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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