Crisp County News

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CD Rates

Minimum Opening Deposit	1,000.00
Minimum Balance to obtain APY	1,000.00
Term	12 months
Interest Rate	1.50%
Annual Percentage Yield	1.51%
Annual Percentage Yield is effective as of April 28, 2010.
Rates are subject to change. A penalty may be imposed for early withdrawal.

SGBC Receives 5 Stars!

SGBC received a 5-star rating from BauerFinancial. This means we are considered in superior standing and listed on Bauer's Recommended Report. In addition to the capital ratio, other criteria are used to determine the BauerFinancial™ Star-Rating. Some of these include but are not limited to: profitability/loss trend, evaluating the level of delinquent loans, chargeoffs and repossessed assets, the market versus book value of the investment portfolio, regulatory supervisory agreements, the community reinvestment rating (CRA), historical data and liquidity. For more information, click here.

Employee Spotlight: Beverly Helms

Meet Beverly Helms! Currently Assistant Vice President of the Cordele branch as well as Assistant Vice President of Tellers, she began as a loan officer at the bank 19 years ago.

Brinson Brock, City President of the Ashburn branch said, “Beverly exemplifies the spirit our entire organization seeks to embody. She approaches her work with an enthusiasm that comes only with a true commitment to serving others.”

Serving others is what Beverly enjoys most about her job at the bank. Whether it’s through a new home loan, a small business loan, or other banking service, she likes being able to help people achieve their dreams.

Aside from excellent customer relationships, she also has a great relationship with her co-workers. “ We are a very close-knit group. We all chip in to help meet the needs of our customers,” said Beverly.

Outside of the bank, Beverly is an active member of her church. She serves as Awana commander and children’s choir director. Her hobbies include reading books by her favorite author Karen Kingsbury and spending time with her two children.

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South Georgia Banking Company

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South Georgia Banking Company is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.