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Islands Bancorp
500 Carteret Street, Suite A, Beaufort, SC 29902 * (843) 470-9962
Business Description The company is a national bank holding company for Islands Community Bank, N.A. The bank will operate as a community bank emphasizing prompt, personalized customer service to the individuals and businesses located in Beaufort County, South Carolina.
Filing
Information

Not yet
public

To Trade As  - - (NASNTL) Industry  Financial (SIC 6021)
Type of Stock Offered Common Shares Filing Date  12/13/99
Domestic Shares Filed 1,000,000 Filing Price  $10.00
Foreign Shares Filed  0 Offering Amount  $10,000,000
Company Shares  1,000,000 Est. Expenses  - -
Selling Shrhldrs Shares  0 Post-IPO Shares  - -
Primary
Underwriting
Group
Underwriter NameParticipationUnderwriter Phone
Non Underwritten Offering Lead Manager  
Income
Statement
and
Cash Flow
Summary
  Prior
Audited
Income
Latest
Unaudited
Income
  Full Year Audited Figures 9 Months Ending
Figures in U.S. millions except per share data             9/30/99
Revenues   - - - - - - -
Income from Oper.   - - - - - - -
Net Income   - - - - - - -0.092
E.P.S   - - - - - - -
Revenue Growth (%)      - - - -   -
Net Income Growth (%)      - - - -   -
Oper. Profit Margin (%)    - - - - - - -
Net Profit Margin (%)    - - - - - - -
Cash Flow - Oper.     - - -0.10
Cash Flow - Inv.     - - -0.03
Cash Flow - Fin.     - - 0.16
Balance Sheet
Summary
and
Financial
Ratios
Balance sheet as of: 9/30/99 Financial Ratios
Total Assets    0.08 Current Assets    - Current Ratio    -
Total Liab.    0.17 Current Liab.    0.15 Debt Ratio    212.72%
Total Equity    -0.09 Working Cap.    - Debt to Equity Ratio    -
Cash    0.03    Return on Assets   -
Use Of
Proceeds
The proceeds from the proposed offering will be used to repay the line of credit guaranteed by the organizers, to capitalize the bank and to add to the working capital and for general corporate purposes.
Legal Counsel
Registrar
Auditor
Issuer's Law Firm  Nexsen Pruet Jacobs & Pollard
Registrar/Transfer Agent  Self Administered
Auditor  Francis & Company
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Last updated: 12/26/99 7:28:39 PM
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