Vitals
  • Total Assets
    113.4M 16.7 %
  • Total Deposits
    94.1M 19.8 %
  • Total Net Loans
    85.0M 14.6 %
  • Net Income
    1.5M -1.4 %
  • Book Value
    8.4M 5.9 %
  • Book Value x2
    16.7M 5.9 %
  • Book Value x3
    25.1M 5.9 %
ROAA

1.523

ROAE

19.711

Efficiency Ratio

53.489

Net Interest Margin

4.791

Balance Sheet Highlights
Financial Highlights Heritage Community Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 113,353 185,759
Total Net Loans 84,961 137,560
Total Deposits 94,110 154,387
Total Equity 8,361 17,752
Profitability
Net Income 1,536 11,253
Return on Average Assets 1.523 1.405
Return on Average Equity 19.711 14.35
Net Interest Margin 4.791 4.561
Efficiency Ratio 53.489 62.186
Noninterest Income/Revenue 11.435 11.405
Balance Sheet Ratios
Loan-to-Deposit 90.278 84.834
Securities/Assets .12 .213
Total Equity/Total Assets .074 .096
Tangible Equity/Tangible Assets .074 -.929
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 8,517 17,144
Tier 2 Capital 1,054 1,758
Total Capital 9,571 18,847
Total Risk Weighted Assets 84,296 144,350
Leverage Ratio 7.75 10.263
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.1 13.733
Total Capital Ratio 11.35 14.902

Timeline for Heritage Community Bank

Ameris Bank

Heritage Community Bank was acquired by Ameris Bank 18 years

View Profile Feb 11 2006

Quitman Holding Company, Inc.

Quitman Holding Company, Inc. became a new subsidiary organization for Heritage Community Bank.

View Profile Jul 06 1999

Ameris Bancorp

Ameris Bancorp became a new parent organization for Heritage Community Bank.

View Profile Jun 28 1985

Quitman Bancshares, Inc.

Quitman Bancshares, Inc. became a new parent organization for Heritage Community Bank.

View Profile Dec 21 1981

Heritage Community Bank

Heritage Community Bank was established 136 years ago and is currently headquartered in Quitman, GA.

Jan 01 1888
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Ameris Bank Buyer 6,487,996 Pooling of Interests Discontinued 2/11/2006
Relationships Role Relationship Start Relationship End
Ameris Bancorp Parent 6/28/1985 2/10/2006
Quitman Bancshares, Inc. Parent 12/21/1981 6/27/1985
Quitman Holding Company, Inc. Subsidary 7/6/1999 2/10/2006
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