The Savannah Bancorp, Inc. operates as the holding company for The Savannah Bank, N.A. and Bryan Bank & Trust, which provide commercial banking services to individuals and small to medium sized businesses in Georgia and South Carolina. The company accepts checking accounts; savings accounts; and various time deposits, such as daily money market accounts and long-term certificates of deposit; and retirement accounts, including individual retirement account and simplified employee pension accounts. It also offers short-term and medium-term commercial, real estate, residential mortgage, and personal loans; and consumer loans, such as secured loans for financing automobiles, home improvements, real estate, and other personal investments; unsecured consumer loans; and real estate construction and acquisition loans. Further, the company offers customers and their advisors with Internet access to view customers' accounts; trust services, such as investment management, personal trusts, custodial accounts, estate administration, and retirement plan asset management; outsource trust data processing; securities safekeeping; cash management services; Internet banking and bill payment; noncash deposit courier service; safe deposit boxes; travelers' checks; direct deposit of payroll; U.S. Savings bonds; official bank checks and money orders and automatic drafts for various accounts; ATM and debit cards; and VISA and MasterCard credit cards. It invests in U.S. treasury and other U.S. government agencies securities, and mortgage-backed securities. As of September 30, 2005, Savannah Bancorp had six banking offices and seven ATMs in Savannah, Chatham County, and Richmond Hill, Georgia, as well as mortgage lending offices in Savannah, Richmond Hill, and Hilton Head Island, South Carolina. The company was founded in 1989 and is headquartered in Savannah, Georgia.
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