Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Heritage Community Bank All Insured Commercial Banks in Georgia
12-31-2005 10.1 13.733
09-30-2005 9.81 13.306
06-30-2005 9.74 13.222
03-31-2005 9.82 13.275
12-31-2004 10.74 13.276
09-30-2004 10.08 13.569
06-30-2004 9.31 13.471
03-31-2004 9.26 13.613
12-31-2003 9.85 13.916
09-30-2003 9.61 14.015
06-30-2003 9.45 13.683
03-31-2003 8.89 13.654
12-31-2002 11.04 13.778