The Savannah Bancorp, Inc. is a bank holding company. Savannah, Bryan Bank, Minis and SAVB Holdings are the four operating subsidiaries of the Company. The two bank subsidiaries, collectively, are referred to as the Subsidiary Banks or Banks. The Subsidiary Banks offer a range of deposit services, including checking accounts, savings accounts and various time deposits ranging from daily money market accounts to long-term certificates of deposit. In addition, retirement accounts such as Individual Retirement Accounts and Simplified Employee Pension accounts are offered. As of December 31, 2010, Savannah had nine full service offices and one stand alone automated teller machine (ATM), total assets of $789 million, total loans of $610 million, total deposits of $695 million, total shareholders� equity of $65.1 million.