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This institution is no longer active

Operations ceased on March 19, 2010. CRA examination history below reflects the period it was active.

BANK OF HIAWASSEE

HIAWASSEE, GA · Supervised by FDIC

Est. 1909FDIC #10,054RSSD: FDIC-10054
Part ofCHATUGE BANK SHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: July 2007

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -7.37%

Institution Profile

FDIC BankFind

Address

20 Main Street, HIAWASSEE, GA

County

Towns County

Established

July 21, 1909

Total Assets

$378M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2007

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 18 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2009Call Report / FDIC

Total Assets

$378M

Total Deposits

$340M

Net Loans

$270M

Net Income

$-30,665K

ROA

-7.37%

ROE

-118.79%

Risk-Based Capital

3.03%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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