Leverage Ratio Over Time
Leverage Ratio Heritage Community Bank All Insured Commercial Banks in Georgia
12-31-2005 7.75 10.263
09-30-2005 7.9 10.158
06-30-2005 7.85 10.017
03-31-2005 7.71 9.888
12-31-2004 8.25 9.892
09-30-2004 8.01 10.116
06-30-2004 7.75 9.93
03-31-2004 7.43 9.897
12-31-2003 8.04 10.02
09-30-2003 7.85 10.066
06-30-2003 7.48 9.807
03-31-2003 7.22 9.773
12-31-2002 9.2 9.829