2010 - SRP Federal Credit Union

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2010 - SRP Federal Credit Union
50
th
Annual Report
Good things happen at
FEDERAL CREDIT UNION
Vivian Tate and Ruth Carmack, two of the original
employees of SRP, attended the Open House of
the new Administrative Campus.
Our goal is to continue to improve our service and accessibility to you, our member owners.
Our credit union remains financially sound and strong. The economic challenges from the sub-prime mortgages continued into
2010, but our area suffered less than most areas of the country so our recovery will be faster. Our delinquency has now returned to previous levels and still remains about 60% of the national average for credit unions. I think this reflects on the quality
of our members. Let me add that our credit union did not and will not make the sub-prime mortgages that caused the problem.
In 2010, with the results of the economic downturn and one political party in control of both the Executive and Legislative
branches in Washington, DC, additional unnecessary regulatory burdens were enacted for credit unions. The political involvement
at the federal level remains high for our senior management and Board of Directors as we work to minimize the impact of current and future legislation. We did not need another layer of unnecessary regulations which added to our cost of doing business.
We continue to work through our trade organizations to ensure that congress is aware of the benefits of credit unions.
Some of the milestones for 2010 were:
In February we moved to our new Administrative Campus on US 25 and Walnut Lane. Our employees are ecstatic about their
new work areas. Additionally we have a full-service branch and ATMs at this location. The usage of this new branch has been
overwhelming. After our move, we closed the BTC facility which we had been leasing since 1996.
In February we opened our backup computer facility behind our Rutland Drive branch. The backup computer system is located
in a concrete structure inside a vault for weather and security purposes. From here we will be able to provide full computer service to all our branches if we have problems with our main computer system. We have tested the system by switching from the
Admin Campus computers to the backup system and back to the Admin Campus computers, and the testing was successful.
In April we opened a new drive thru ATM on Wheeler Road near I-20 in Augusta. We closed the ATM at the old CSRA FCU
location in October 2009 since CSRA FCU had merged with a large credit union from Atlanta, and we lost the use of our shared
ATM at their Wheeler Road location.
We opened new drive thru ATMs on Hereford Farm Road and Fury’s Ferry Road in April to serve our members in those areas.
We opened a modular branch in Allendale in June and the usage has been great. We are pleased to be able to provide quality
service to our loyal members in the Allendale area. This branch is located adjacent to the current drive thru ATM which has been
in service since March 2008 and is one of the most active in our network.
In December we opened the new full service branch on Davis Road. This branch replaces our store front Martinez branch and
Martinez express facilities which we have closed. We are now able to provide the highest level of service to our loyal members
in this area. The Martinez branch had been open since February 1992 and was one of our oldest and most active branches.
For 2011, our major task will be to modify our ATM network to meet the new regulatory standards for ADA.
BOARD OF DIRECTORS
Our employees make our credit union what we are.They provide you a high level of quality service in a caring manner.
Without them, we would be just another financial institution.
I would like to quote a few lines from a poem entitled “A Member”:
• A Member is the most important person in this business.
• A Member is not dependent on us. We are dependent on them.
• A Member does us a favor when they come in. We are not doing them a favor by serving them.
• A Member is deserving of the most courteous and attentive treatment we can give them.
• A Member is a person who comes to us with their needs or wants. It is our job to fill them.
• A Member is the lifeblood of this and every other credit union. Without them we would have to close
our doors.
In closing, your Board of Directors remains dedicated to serving you, our member owners. It remains the objective of
your Board of Directors to make” Good Things Happen at SRP”.
Front row L to R: Mary Thomas, Lonnie Gordon, Bruce Burns (Chairman),
Louisiana Sanders, Chuck Goergen, Goldie Randle (Secretary) Back row L to R: Roy Geisdhart (Vice Chairman),
Larry Pridemore, Don Turno. *Not pictured: Sandra DeVoe Bland, Larry Laughlin (Treasurer).
Nobody likes change but a baby. If I said that once in 2010, I must have said it a thousand times. The old saying that the only
certainties in life are death and taxes has been around for years. I submit to you that in our “new normal” world, the saying
should be that nothing is certain but death, taxes and change.
Our representatives in Washington, DC have caused a new phrase to be coined relative to the legislative process, that being
“unintended consequences.” It seems every piece of legislation that is passed ends up creating change in things that were not
foreseen in the drafting and passing of the legislation thereby having unintended consequences. In the past year, the financial
services industry, of which your credit union is a part, has been the beneficiary of significant legislation and regulatory changes
that are fraught with unintended consequences.
Practically every piece of legislation affecting the financial services industry has been passed with the rallying cry of “it’s good for
the consumer; it will save the consumer money.” As the dust begins to settle on these pieces of legislation and their enacted
regulations, I don’t know about you, but as a consumer, I have yet to see any savings or benefits. What I have seen is substantial
elimination of revenue sources for your credit union with even more reporting and compliance requirements. All indications
are that this trend of lost revenue and increased reporting and compliance will not only continue, but will increase in 2011 and
beyond.
As I reflect on 2010, I see things on which to lament, but I also see bright rays of hope. I see a local market place vibrant and
poised to move forward as we continue to move out of the recession. The decline in our local real estate values has slowed and
in many areas has ceased, new housing construction is beginning to take place, and sales of housing in the less than $200,000
range is increasing.
In 2010 we completed the move into our new Administrative Center and branch located on Edgefield Road in North Augusta.
We dedicated the building on the 50th anniversary of our credit union’s chartering. The activity at this building increases daily as
more members utilize this location. This facility will serve us well many years into the future with virtually no additional outlay of
capital.
Another significant event was our completion of a fully operational backup computer center housed in Aiken, South Carolina.
This state-of-the-art facility will ensure that any physical disruption of our primary data processing server located at the Administrative Center will go virtually unnoticed by you the member. On two occasions, we have successfully transferred our data
processing to the backup center. This allowed us to have real world training and validated that all systems functioned properly.
Change was everywhere in 2010. Change was planned, change was unintended, change was accidental, but most of all change
was happening every day. Your Board of Directors and staff worked tirelessly to ensure that this mountain of change was barely
noticeable as we strived to deliver high quality personal financial service to you. The year 2011 will present a whole new series
of challenges. Be assured we are committed to meeting these challenges and maintaining our role of leadership in our marketplace. Our mission statement continues to ring true, “SRP Federal Credit Union exists to serve its member owners.”
PRESIDENT & VPs
Front row L to R:
Faith Ann Borst (VP of Lending)
Woody Shuler (VP of Finance)
Second row L to R:
Ed Templeton (President)
Jean Roper (VP of Business Services)
Third row L to R:
Steve Wilson (VP of Branches)
Clifford Rushton (VP of Information Technology)
Ed Presnell (VP of Administrative Services)
Your Credit Committee reviewed 4,716 loan applications during
2010, up 7% from the 4,028 level reviewed in 2009. This increase
correlates to the constant stream of bad economic news and the
increase in regulatory guidance.
Our loan volume is heavily dependent on car and home sales,
so it is understandable that loan demand decreased given the
influence of the economy on both those industries. In addition,
the changes in the regulatory environment have caused us to
focus on monitoring various aspects of credit quality. Loan volume decreased by $35,314,276 which represents a decrease of
approximately 20% over 2009 volumes, not counting mortgage
loans originated for sale. It is important to remember that the
large increases gained in 2009 were in some part a response to
the “Cash for Clunkers” program. This decrease in loan volume
created a net loss of approximately 10.8 million in our loan
outstandings, yielding a negative 2.9% loan growth. Mortgages
originated for sale dropped 2.1 million from 29.5 million in 2009
to 27.4 million in 2010.
Our loan loss ratio for the year was .62%, while markedly below
our peer group’s level of approximately 1.10%, it was not exempt
from the impact of the national economy on local employers.
The vast majority of our losses have come from layoffs, reduced
hours and/or overtime and a dramatic national as well as local increase in bankruptcies and foreclosures. Our gross losses
for 2010 were $2,574,268, down $306,781 from 2009 levels of
$2,881,049, a decrease of almost 11%.
Our delinquency ratio of .65% for 2010 continues to run well
below our peer’s average of 1.68%. This is up .07% from 2009’s
ratio of .58%.
Your credit union has made every effort to help our members
overcome financial setbacks using deferments, refinances and
counseling and we are no less committed to this philosophy as
we enter 2011.
CREDIT COMMITTEE
Sitting L. to R: J.K. Lepp, Melinda Brinkley
Standing L to R: David Chostner, Lauretta Gordon(Chairman)
The Supervisory Committee represents the credit union membership. Our mission is to ensure that the
credit union’s operations conform to the Federal Credit Union Act and the rules and regulations of the National Credit Union Administration (NCUA). The Committee’s responsibilities include ensuring all audits, account verifications, and acceptable business and accounting practices are followed. The Committee responds
to all member complaints forwarded through the NCUA.
We engaged Orth, Chakler, Murnane, & Co., CPAs as our external auditors this past year. Their latest findings
dated July 21, 2010, for the year ended March 31, 2010, reported no major areas of concern with the credit
union’s financial reports or internal controls.
A NCUA examination was performed on May 25, 2010 for the period ended March 31, 2010. From their
review of the financial statements, federal regulations and internal controls, the NCUA found some items
that needed attention and added additional reporting requirements. The credit union’s employees worked
diligently to get these items corrected. A second NCUA examination was performed on October 15,
2010 for the period ended June 30, 2010. From their review of the financial statements, federal regulations,
internal controls, and the previous findings, the NCUA approved the corrections and they found no material
problems in any areas of the credit union’s financial statements and internal controls.
The Supervisory Committee appreciates the hard work of the credit union employees in maintaining SRPFCU’s clean bill of health. SRP Federal Credit Union is committed to remaining a safe, sound
financial institution.
SUPERVISORY COMMITTEE
Sitting: Terry Meeks (Chairman), Edie Corley-Stone
Standing: Mark Utley
Treasurer’s Report
COMPARATIVE BALANCE SHEET
The following financial statements present the financial position of SRP Federal
Credit Union as of December 31, 2010 and 2009 respectively, and the results of
operations for the years then ended.
ASSETS
December 31
2010
Cash
$ 64,989,633
Increase / (Decrease)
$
%
2009
$
49,346,428
$
15,643,205
31.70%
Corporate Credit Union Investments
23,268,553
1,260,126
22,008,427
1,746.53%
Investments
36,018,460
58,944,773
(22,926,313)
(38.89%)
357,534,573
368,985,568
(11,450,995)
(3.10%)
1,330,184
1,634,224
(304,040)
(18.60%)
Property & Equipment, Net of
Accumulated Depreciation
39,261,733
36,718,679
2,543,054
6.93%
Share Insurance Capitalization
4,882,916
4,647,114
235,802
5.07%
21,958,127
14,143,246
7,814,881
55.26%
$ 549,244,179
$ 535,680,158
13,564,021
2.53%
Loans, Net of Allowance for Loan Losses
Accrued Interest Receivable
Other Assets
TOTAL ASSETS
$
LIABILITIES AND EQUITY
December 31
Increase / (Decrease)
$
%
2010
2009
0
$ 11,808,944
$ (11,808,944)
(100.00%)
3,588,981
4,182,325
(593,344)
(14.19%)
214,242
496,838
(282,596)
(56.88%)
Share Drafts
118,986,306
111,946,667
7,039,639
6.29%
Shares
210,107,472
191,455,355
18,652,117
9.74%
Share/IRA Certificates
169,650,971
169,844,272
(193,301)
(0.11%)
Regular Reserve
10,060,807
10,060,807
----
----
Undivided Earnings
36,635,400
35,884,950
750,450
2.09%
$549,244,179
$ 535,680,158
13,564,021
2.53%
Notes Payable - SIP
Accounts Payable
Dividends Payable
TOTAL LIABILITIES AND EQUITY
$
$
COMPARATIVE INCOME STATEMENT
OPERATING INCOME
December 31
Interest on Loans
2010
2009
$ 23,223,898
$ 23,082,517
1,318,610
Increase / (Decrease)
$
%
141,381
0.61%
2,138,800
(820,190)
(38.35%)
24,542,508
25,221,317
(678,809)
(2.69%)
4,593,576
5,969,557
(1,375,981)
(23.05%)
Net Interest Income
19,948,932
19,251,760
697,172
3.62%
Other Income
14,282,443
15,977,054
(1,694,611)
(10.61%)
OPERATING INCOME AFTER DIVIDENDS $ 34,231,375
$ 35,228,814
(997,439)
(2.83%)
Income from Investments
Earning Asset Income
Less: Dividend/Interest Expense
$
$
OPERATING EXPENSE
December 31
2010
2009
15,299,115
$ 14,782,309
Occupancy & Equipment
6,777,703
Data Processing & Professional Services
Member Insurance
Employee Compensation & Benefits
$
Increase / (Decrease)
$
%
516,806
3.50%
5,971,115
806,588
13.51%
3,748,171
3,563,211
184,960
5.19%
1,491,053
871,719
619,334
71.05%
387,610
481,256
(93,646)
(19.46%)
Other Operating Expense
3,116,284
3,094,048
22,236
0.72%
Total Operating Expense
30,819,936
28,763,659
2,056,277
7.15%
Net Operating Income
3,411,439
6,465,156
(3,053,717)
(47.23%)
Less: Provision for Loan Losses
2,654,787
3,657,996
(1,003,209)
(27.43%)
(6,202)
(5,332,610)
5,326,408
99.88%
750,450
$ (2,525,450)
3,275,900
129.72%
Marketing & Promotion
Non-Operating Items
CHANGE TO UNDIVIDED EARNINGS
$
$
$
Comparative Analyses
Undivided Earnings
2010
BEGINNING BALANCE - JANUARY 1
$
Change to Undivided Earnings
35,884,950
2009
$
750,450
ENDING BALANCE - DECEMBER 31
$
36,635,400
38,410,399
(2,525,449)
$
35,884,950
Liability and Equity Distribution
Drafts
21%
Certificates
31%
Drafts
21%
Certificates
32%
Payables
1%
Payables
3%
Undivided Earnings
7%
Shares
38%
Reserves
2%
Undivided Earnings
7%
Shares
35%
Reserves
2%
2010
2009
Allowance for Loan Losses
2010
BEGINNING BALANCE - JANUARY 1
$
Charged-Off Loans
Recoveries on Charged-Off Loans
Provision for Loan Losses
Adjustments to ALL
ENDING BALANCE - DECEMBER 31
$
2,854,970
2009
$
1,871,764
(2,574,268)
(2,881,049)
313,952
206,259
2,654,787
3,657,996
0
0
3,249,441
$
2,854,970
Growth In Loans Compared To Shares
500
450
400
Millions
350
300
250
200
150
100
50
2003
2004
Loans
2005
2006
2007
2008
2009
2010
Shares
Membership Growth
2010
2009
2008
2007
2006
2005
2004
2003
40
45
50
55
60
65
70
Thousands
75
80
85
90
95
100
Assets
2010
2009
2008
2007
2006
2005
2004
2003
200 220
240
260
280
300
320
340
360
380
400
Millions
420
440
460
480
500
520
540
560
In Memory Of...
Adams, Beverly
Alderman, Paul J.
Alexander Sr, George J.
Allen, Douglas D.
Alley, Jonathan
Allin, Golda
Alvarado, Juana G.
Anderson, Charlie
Anderson, Eleanor W.
Anhalt, Barbara M.
Arbogast, Brenda E.
Archie, Shepard
Ashe, Edwin K.
Austin, Rose Marie
Badger, Ruth
Baker, James R.
Baker Jr., Dee
Bales, Martha F
Bancroft, Linda G.
Bane, Rosalie T.
Barton, Jr., James E.
Basket, William M.
Bass, Edna F.
Baxley, Margaret
Baxter, Lawrence A.
Beasley, Vivian Grubbs
Belcher, Mary H.
Beldsoe, James
Bell, Charles
Bell, Charles R.
Bell, Phillip
Berry, William
Binns, Debra
Black, Jewel G.
Blackwell, Fredrick
Blalock, Lemuel G.
Blevins, Vivian A.
Blocker, Marino
Boddiford, Dewey E.
Bodie, Brenda W.
Bodie, Bobbie J.
Bodiford, Fay M.
Bonnette, William L.
Bonnough, Theadore
Borchelt, Debra
Boswell, June A
Boyd, Mary S
Boyle, Johnn A.
Bragg, Jerry T.
Bragg, Pia C.
Brasher, Lavonne K.
Brewer, Barbara L.
Britt, Joseph
Broadway, Faye S.
Brockington, S. E.
Brooks, Gordon R.
Brown, Rosa R.
Brown, Elizabeth
Brown, Willie
Brown, Harry
Brown, Liana J.
Brown, Eunice G.
Brown, Bradley P.
Browning Jr, Glenn
Bruorton, Earl R.
Buckner, Mondilee R.
Burleson, Steven
Busch, Martha G.
Bush, Louise
Bush, Samuel Lee
Bush, Carl
Bush, Alexander C.
Butler, Annie R.
Calliott, Calloway M.
Carlson, Sandra
Carmain, Sharon E.
Carpenter, William E.
Carroll, Linda Carson
Carter, James Carroll
Carter, Carolyn W.
Carter, Joe
Carter, John F.
Cason, Sharon
Cave, Jerretta G.
Caveness, Edwin G.
Chavis, Mike E.
Chislom, Catherine
Clark, Jay
Clark, Lois
Clark Hicks, Norma
Cloud, Grace J.
Cofer-Terry, Kealya
Cohen, Daniel I.
Coleman, James E.
Coleman, Norman
Collins, Gloria
Collum, Evelyn
Compton, Betty
Cook, Maurice G.
Cool, Eleanor A.
Cooper, Gerald A.
Corell, Ralph C.
Courtney, James
Crain, John E.
Creech, Billy G.
Creech, Laura
Creech, Pansy
Creed, Lonnie V.
Crim, H. D.
Croft, Daniel S.
Crumpler, Howard D.
Cullum, Mark A.
Cunha, Jr, Samuel
Cunningham, Patrick
Davis, Merri H.
Davis, Helen
Deese, Betty
Dewitt, Charles
Dickenson, Kathryn
Dickey, Robert J.
Dicks III, Aaron
Dixon, Mildred
Dobey, Lula D.
Donaldson, St.Clair
Doolittle, Mary E.
Dorn, Martha W.
Dover, James
Drennan, Rebecca
Drose, EdwinM.
Dukes, E.K.
Dunbar, Willis B.
Eakle, Mary W.
Ehrhart, Ellen D.
Fabrick, Mary M.
Felder, Mary A.
Ferguson, Lillian S
Ferrara, Sharon
Findlay, Diane K.
Finney, Dale G.
Fish, Loman F.
Flanigan, Jeannette R.
Folk, Gladys B.
Francis, Calvin T.
Franklin, James W.
Franklin, Doris
Funk, Robert
Gadson, John B.
Gaskill, G.
Gates, Harry E.
Geary, Dorothy
Gentry, Michael B.
Geraci, Charles F.
Gibson, Wendall
Gong, Chung
Gonzales, Steven
Goode Jr., Harry
Goodwin, Donald R.
Gordon, Ralph
Gosnell, Joe
Grabb, Jean R.
Graham, Leonard
Grant, Leroy
Grant, Anthony
Green, Oneal
Green, Yoshiko H.
Green , Joseph
Greene, Katie
Greene, Susie M.
Greene, Eleanor E.
Gregerson, Agnes B.
Gregory, Ruth
Grier, Kristen
Grubbs, John A.
Hall, Herbert B.
Hall, Rosa L.
Hall, Timothy C.
Hallingquest, David
Hammett, Alice
Hammond, Patricia
Hammond, Robert M.
Handberry, George A.
Hanvey, Bobbie Y.
Hardee, Daniel
Hardy, Robert
Hardy, Thomas
Hardy, Bobbie J.
Harley, Mary Walker
Harley, Willie J.
Harper, Robert
Hart, James D.
Harvey, Mary
Heath, Opal C.
Heaton, John M
Hedrick, Norma A.
Hembree, Nobie C
Heos, Connie H.
Hernblad, Gladys K.
Herron, Effie J.
Hiegel, Loretta M.
Hightower, Paul A.
Hilbert, David R.
Hilborn, Howard
Hoefs, Steven R.
Holcomb, John L.
Holloman, Deborah
Holloway, Evelyn B.
Holman, Jackie T.
Honkonen, David L.
Hooper, Hollis E.
Hornsby, Joe
Houston, Rodney
Howell Jr., William C.
Hudgins, Deangelo
Hudgins Jr., Phillip D.
Hudson, Joseph M.
Hughes, Jerry R.
Hughes, Proteon
Hutto, Mattie E.
Hutto, Kaley
Hutto, Charles
Hutto, Jenny
Inman, Rosa L.
Issac, Elizabeth
Jackman, James I.
Jackson, James M.
Jackson, Armond
James, Bledsoe
Johnson, Julian E.
Johnson, Lucy Bright
Johnson, Loretta A.
Johnson, Jacqueline
Johnson, Jacqueline
Johnson, Heyward E.
Jones, Lemuel B.
Jones, Charles H.
Jones, Joe L.
Jones, Beatrice M.
Jones, Robert S.
Jones, Wilson R.
Jones, Pansy R.
Joyner, Virginia
KalbFleisch, Coralice Y.
Kearse, Henry W.
Keenan, Marie
Keenan, Melvin O.
Kenner, Booker T.
Kevin, Eberhard
Key, Mary J.
Key, Revie K.
Kidd, M. S.
Kinard, Barbara P.
Knight, Marlin L.
Knopp, Winaka
Kruzner, Barbara M.
Lairsey, Margaret B.
Lamb, Larrie T.
Lampkin, Glenda K.
Lancaster, Lynn M.
Langley, Linda F.
Lanham Sr., Lenard
Lariscy, Ryan K.
Latimer, Macdonald L.
Latimore, Mazeola
Lawrence, Iris A.
Lawrence, B. M.
Lawton, Virginia S.
Leaphart, Kem G.
Legg, James
Letz, Jan
Leverett, Helvic C.
Loftin, Thomas
Long, Laura
Long, Albert
Long, Annie L.
Lott, Billy E.
Luallen, Roy E.
Lynn, Metro G.
Mack, Betty
Mackay, Nell D.
Maddox, Fay
Main, Virginia
Manning, Henry T.
Marcum Jr., Eddie L.
Martin, James
Martin, Pauline M.
Mathis, Frances B.
May, Judith H.
McClain, Mollie W.
McClellan, Russel L.
McCormack, Sarah O.
McDanel, Robert
McDonald, Melton J.
McGahee Jr., Ralph E.
Mckie, Gladys
McNeill, Timothy
Mealing, William J.
Meeks, Julius
Meeks, Mary M.
Merrill, Christine L.
Merrill, Paul F.
Messex, Ricky D.
Miller, Richard T.
Miller, Jewel
Miller, Lynda K.
Mills, Mary Y.
Mims, India M.
Moore, Faye N.
Moore, Nellie S.
Moran, Leta M.
Morgan, Marion
Morgan, William P.
Morgan, Howard H.
Morris, Betty
Morris, Phyllis D.
Morris III, John C.
Mosley, Jewell
Mowry, Nancy
Murnin, Bette G.
Murphy, Joseph C.
Murphy, Ann D.
Musselwhite, Donnie E.
Myhre, Patricia C.
Nagy, Christopher
Narvaez, Enroque
Newman, Bobby J.
Newton, Carolyn B.
Nipper, Wilbert
Norris, Mildred B.
Norton, Patricia G.
Oakman Jr., Sammy
Oden, Mary
Oliver, Curtis
Overman, Lehman
Owens, Evelyn
Palmer, Frieda M.
Parler, Ralph J.
Patterson Jr., Abraham
Paul, James W.
Payne, Alberta C.
Peagler, Thomas J.
Pechersky, Carole F.
Perkins, Okey P.
Perryman, Charles
Pinckney, Sidney
Pittman, D.E.
Pope, Rebecca B.
Porter, Lucille K.
Posey, Wilbert N.
Proctor, Arlitria F.
Rachels, James R.
Rackliffe, Margaret M.
Raiford, Kimberley
Raineri, Janet E.
Randall III, Boyd D.
Randall III, Boyd D.
Rarden Jr., R.P.
Ray, Chester A.
Reames, Winifred T.
Reese Sr., Joseph T.
Reeves, Bobby J.
Reeves, Jane S.
Retherford, Eddie M.
Rexach-Estrada, Maria
Rhinehart, Roy H.
Richardson, Lonnie R.
Ricks, Tommy L.
Riggs, Michael
Roberson, Michael A.
Roberson, James R.
Roberts, Virgle
Robinette, James W.
Robinson, Onita C.
Robinson, Daisy G.
Robinson, Sr., Willie T.
Rogers, Dennis
Rogers, Christine
Roper, Raymond
Rowland, James
Ruvo, Angelo A.
Sales, Mildred G.
Salter, George
Salyer, William
Samuel, Henry A.
Samuelson, Donald G.
Scarboro, Mildred B.
Schar, Patricia D.
Scott, Harold D.
Scott, Katie D.
Scroxton, Jane W.
Seigler, Mildred
Setters Sr., Calvin I.
Shahan, Carl A.
Sharpton, Booker T.
Shields, Sheliah M.
Shirley, Vann D.
Sidbury, Willie M.
Simmons, Rosa F.
Sligh, Franck L.
Sloan, Sandra
Smith, Betty B.
Smith, Terrance A.
Smith, Rogers
Smith, Jason
Smith, P. K.
Smith, Lewis
Smith, Richard A.
Smith, Robert H.
Smith Jr., James W.
Smoland, Marion N.
Snipes, David L.
Spence, William A.
Springs, Clarence H.
Starbuck, Eleanor P.
Stephenson, Shirley
Stewart, James D.
Stewart, Deborah B.
Stone, William
Streaty, Joesph M.
Stroman III, Oscar D.
Strzelecki, Edward W.
Suchak, Geta M.
Suell, Elmer L.
Summers, Theodour A.
Sumner, Donald
Sutton, Richard
Swearingen Sr., Raymond
Szatkowski, Sharon
Taylor, Kay T.
Taylor, Clyde
Taylor, Doris
Taylor, Edward
Taylor, Juanita F.
Telisnor, Susie M.
Temple, Shelburne L.
Thigpen, Peggy A.
Thomas Jr., Harry
Thompson, Harold W.
Thompson, Jamie
Thompson, Marion E.
Toner, Thayer
Turner, Sally S.
Tuttle, Herbert
Tyler Jr., Harry H.
Valentine, Teresa M.
Vaughn, Loraine Merritt
Vaughn II, Arthur D.
Walker, Zelda
Wallace Jr., Sam
Walters, Betty S.
Ward Sr., Philip S.
Washburn, William K.
Washington, Johnn
Weathersbee, Clarence
Westmoreland, Betty
White, Eleanor
White Jr., Lyle E.
Whitehead Jr., David A.
Whitt, Ray E.
Wicker, Jerry L.
Wilkinson, Beatrice E.
William, Mayson
Williams, Larry
Williams, Terry F.
Williams, Roger W.
Williams, Michael
Williams, J. R.
Williams, Jeron
Williams, Byron C.
Williams, Alfred A.
Williams, Clarence
Williams, Kenneth H.
Williams, Cynthia H.
Williamson, L. B.
Willis, William E.
Wills, Monroe
Witt, Ophelia
Witt, Everette B.
Wood, Eva G.
Wood, James
Woodhouse, Donald
Woody, Carol C.
Woodzell, Ray J.
Wright, Charles N.
Wynne, Bessie B.
Yarbrough, Maggie M.
Yeomans, Kathleen
Youell, Forrest
Youngblood, W.L
Branches and ATMs
South Carolina
Branches and
ATMs
Aiken
Aiken Regional
Medical Center
302 University Parkway
(1st Floor)
Aiken, SC 29801
Walk-up ATM
*Pine Log Road Branch
750 E. Pine Log Road
Aiken, SC 29801
Drive-through,
Walk-up ATM
Mortgage Loan Officer
Available
Richland Avenue Branch
3559 Richland
Avenue, West
Aiken, SC 29801
Walk-up ATM
*Richland Avenue
Express
3515 Richland Avenue
Aiken, SC 29801
Walk-up ATM
*Rutland Drive Branch
390 Rutland Drive
Aiken, SC 29801
Drive-through ATM,
Walk-up ATM
*Silver Bluff Road Branch
1060 Silver Bluff Road
Aiken, SC 29803
Drive-through ATM,
Walk-up ATM
Site Branch
Savannah River Site
730-4 B Building
Aiken, SC 29803
Allendale
Allendale Branch
190 Flat Street
Allendale, SC 29803
Barnwell
*Barnwell Branch
10660 Dunbarton
Boulevard
Barnwell, SC 29812
Drive-through ATM
Walk-up ATM
Site
703-46A Building
730-4B Building
H Area
H Area Training
All are Walk-up or
Lobby ATMs
Burnettown
*Burnettown Branch
2521 Jefferson Davis
Highway
Warrenville, SC 29851
Drive-through
Walk-up ATM
USC Aiken
Convocation Center
375 Robert M. Bell
Parkway
Aiken, SC 29801
Walk-up ATM
Edgefield
Edgefield Branch
225 Apple Square Plaza
Edgefield, SC 29824
Drive-through ATM,
Walk-up ATM
North Augusta
Aministrative Campus
1070 Edgefield Road
North Augusta, SC 29860
North Augusta Branch
403 W. Martintown Road
North Augusta,
SC 29841
Drive-through ATM,
Walk-up ATM
*North Augusta Express
605 E. Martintown Road
North Augusta, SC 29841
Drive-through ATM,
Walk-up ATM
Allendale
250 Main Street
Allendale, SC 29810
Drive-through ATM
Barnwell
Barnwell Gas Garden
10354 Dunbarton
Boulevard
Barnwell, SC 29812
Walk-up ATM
Beech Island
Old Jackson Highway
143 Old Jackson
Highway
Beech Island, SC 29842
Drive-through ATM
Clearwater
Midland Valley
Shopping Center
4461 Jefferson Davis
Highway
Clearwater, SC 29822
Drive-through ATM
*Walnut Lane Branch
1070 Edgefield Road
North Augusta, SC 29860
Drive-through ATM,
Walk-up ATM
Graniteville
Bridgestone Firestone
1 Bridgestone Parkway
Graniteville, SC 29829
Walk-up ATM
South Carolina
ATMs Only
Curgin's Corner
3446 Jefferson Davis
Highway
Graniteville, SC 29829
Walk-up ATM
Aiken
Richland Avenue
3939 Richland Avenue
Aiken, SC 29801
Drive-through ATM
Jackson
703 Burroughs Street
Jackson, SC 29831
Drive-through ATM,
Walk-up ATM
New Ellenton
New Ellenton Gas
Garden
519 North Main Street
New Ellenton, SC 29809
Walk-up ATM
Williston
228 Main Street
Williston, SC 29853
Walk-up ATM
Georgia
Branches and
ATMs
Georgia
ATMs Only
Augusta
Harper Street
1467 Harper Street
Medical College of
Georgia
Augusta, GA 30912
Walk-up ATM
James Brown Arena
601 7th Street
Augusta, GA 30901
Walk-up ATM
Augusta
Broad Street Branch
771 Broad Street
Augusta, GA 30901
Walk-up ATM
Wheeler Road
3771 Wheeler Road
Augusta, GA 30909
Drive-through ATM,
Walk-up ATM
Peach Orchard
Road Branch
Windsor Square
Shopping Center
3120 Peach Orchard
Road
Augusta, GA 30906
Drive-through ATM
Grovetown
Village at Hereford Farm
5161 Columbia Road
Grovetown, GA 30813
Drive-through ATM,
Walk-up ATM
*Tobacco Road Branch
Augusta South Square
2215 Tobacco Road
Augusta, GA 30906
Drive-through ATM,
Walk-up ATM
Evans
*North Belair Road
Branch
100 SRP Drive
Evans, GA 30809
Drive-through ATM,
Walk-up ATM
Martinez
Columbia Road
4106 Columbia Road
Martinez, GA 30907
Walk-up ATM
Village at Fury’s Ferry
3851 Evans to Locks
Road,
Martinez, GA 30907
Drive-through ATM,
Walk-up ATM
Washington Road
3830 Washington Road
Martinez, GA 30907
Drive-through ATM
Martinez
*Davis Road Branch
125 Davis Road
Martinez, GA 30907
Drive-through ATM,
Walk-up ATM
*Deposit Taking ATMs.
Moving Day
February 13, 2010