Leverage Ratio Over Time
Leverage Ratio Heber Valley National Bank All Insured Commercial Banks in Utah
09-30-2005 7.79 19.094
06-30-2005 8.8 18.847
03-31-2005 8.33 20.477
12-31-2004 8.54 21.656
09-30-2004 8.94 22.333
06-30-2004 9.15 19.14
03-31-2004 9.09 20.584
12-31-2003 9.01 20.919
09-30-2003 9.57 17.206
06-30-2003 9.88 17.034
03-31-2003 10.2 16.363
12-31-2002 11.15 14.887