Commercial Credit Report for Citizens Effingham Bancshares, Inc.

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	Citizens Effingham Bancshares, Inc.
802 South Laurel Street
Post Office Box 379
Phone: 912-754-0754p:912-754-0754	Springfield, GA 31329 United States

Business Summary

Citizens Effingham Bancshares, Inc. operates as a bank holding company with one bank subsidiary. The Company owns 100% of the outstanding stock of the Citizens Bank of Effingham. The Bank provides a variety of financial services to individuals and small businesses through its offices in Springfield, Rincon and Guyton, Georgia. The Bank’s primary deposit products are savings and term certificate accounts and its primary lending products are consumer, residential, commercial mortgage loans and small business loans.

Scores and Ratings

FRISK^® Score	Z'' Score	PAYCE^® Score	DBT Index	Moody's Rating	Fitch Rating	DBRS Rating
-	-	-	Yes	-	-	-

Financials, News and Filings

Latest Statement	Last Audit	News	SEC Filings	Bankruptcy Filings	Suit & Judgment Filings	Tax Lien Filings
12/31/2010	-	Yes	Yes	-	-	Yes

Industries

SIC Code	Description
6712	Offices of bank holding companies

Subsidiaries

Business Name	Address	City	State/Province	Country
Citizens Bank of Effingham	802 South Laurel Street	Springfield	GA	United States

Business Names

Business Name
Citizens Bank of Effingham
CITIZENS EFFINGHAM BANCSHARES INC
Citizens Effingham Trust I

General Information

Federal Tax Id:

582299577