Vitals
  • Total Assets
    428.7M 8.6 %
  • Total Deposits
    370.5M 5.7 %
  • Total Net Loans
    300.2M 10.1 %
  • Net Income
    7.1M 83.1 %
  • Book Value
    38.5M 22.9 %
  • Book Value x2
    77.0M 22.9 %
  • Book Value x3
    115.6M 22.9 %
ROAA

1.745

ROAE

19.992

Efficiency Ratio

85.142

Net Interest Margin

3.9

Balance Sheet Highlights
Financial Highlights Heritage Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 428,656 256,123
Total Net Loans 300,153 160,108
Total Deposits 370,548 221,413
Total Equity 38,517 27,434
Profitability
Net Income 7,148 2,812
Return on Average Assets 1.745 .99
Return on Average Equity 19.992 8.811
Net Interest Margin 3.9 4.031
Efficiency Ratio 85.142 72.067
Noninterest Income/Revenue 11.088 19.316
Balance Sheet Ratios
Loan-to-Deposit 81.003 70.662
Securities/Assets .128 .165
Total Equity/Total Assets .09 .107
Tangible Equity/Tangible Assets .09 .105
Capital Adequacy
Tier 1 Common Capital 33,638 26,376
Tier 1 Capital 33,638 26,452
Tier 2 Capital 3,813 1,919
Total Capital 37,451 28,453
Total Risk Weighted Assets 324,579 174,280
Leverage Ratio 8.04 10.62
Common Equity Tier 1 Capital Ratio 10.36 16.191
Tier 1 Capital Ratio 10.36 16.286
Total Capital Ratio 11.54 17.433

Timeline for Heritage Bank

Ccf Holding Company

Ccf Holding Company became a new parent organization for Heritage Bank.

View Profile Sep 01 1998

Heritage Bank

Heritage Bank was established 69 years ago and is currently headquartered in Jonesboro, GA.

Jan 01 1955
Relationships Role Relationship Start Relationship End
Ccf Holding Company Parent 9/1/1998
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