Total Capital Ratio Over Time
Total Capital Ratio Heritage Community Bank All Insured Commercial Banks in Georgia
12-31-2005 11.35 14.902
09-30-2005 11.06 14.476
06-30-2005 10.99 14.394
03-31-2005 11.07 14.46
12-31-2004 11.99 14.459
09-30-2004 11.33 14.759
06-30-2004 10.56 14.66
03-31-2004 10.51 14.801
12-31-2003 11.1 15.105
09-30-2003 10.87 15.207
06-30-2003 10.71 14.866
03-31-2003 10.14 14.839
12-31-2002 12.29 14.964