Heritage First Bank
Rome, GA — Federal Savings Bank
Active
Vitals
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Total Assets121.8M 17.6 %
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Total Deposits108.5M 18.6 %
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Total Net Loans100.3M 26.0 %
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Net Income457000.0000 79.9 %
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Book Value12.4M 2.7 %
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Book Value x224.7M 2.7 %
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Book Value x337.1M 2.7 %
Balance Sheet Highlights
| Financial Highlights | Heritage First Bank | All Insured Savings Banks in Georgia |
| Balance Sheet $(000) | ||
| Total Assets | 121,788 | 307,758 |
| Total Net Loans | 100,326 | 216,571 |
| Total Deposits | 108,474 | 252,178 |
| Total Equity | 12,352 | 38,396 |
| Profitability | ||
| Net Income | 457 | 2,926 |
| Return on Average Assets | .413 | .728 |
| Return on Average Equity | 3.75 | 6.766 |
| Net Interest Margin | 5.337 | 3.974 |
| Efficiency Ratio | 87.759 | 81.825 |
| Noninterest Income/Revenue | 17.192 | 35.999 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 92.489 | 88.337 |
| Securities/Assets | .054 | .129 |
| Total Equity/Total Assets | .101 | .125 |
| Tangible Equity/Tangible Assets | .1 | .116 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 12,515 | 36,180 |
| Tier 1 Capital | 12,515 | 36,180 |
| Tier 2 Capital | 839 | 2,309 |
| Total Capital | 13,354 | 38,490 |
| Total Risk Weighted Assets | 100,585 | 211,263 |
| Leverage Ratio | 10.31 | 12.979 |
| Common Equity Tier 1 Capital Ratio | 12.44 | 22.198 |
| Tier 1 Capital Ratio | 12.44 | 22.198 |
| Total Capital Ratio | 13.28 | 23.256 |
Timeline for Heritage First Bank
Heritage First Bancshares, Inc.
Heritage First Bancshares, Inc. became a new parent organization for Heritage First Bank.
View Profile Dec 14 2002
Heritage First Bank
Heritage First Bank was established 120 years ago and is currently headquartered in Rome, GA.
Jan 01 1904| Relationships | Role | Relationship Start | Relationship End |
| Heritage First Bancshares, Inc. | Parent | 7/21/2011 | |
| Heritage First Bancshares, Inc. | Parent | 6/30/2007 | 7/20/2011 |
| Heritage First Bancshares, Inc. | Parent | 8/31/2005 | 6/29/2007 |
| Heritage First Bancshares, Inc. | Parent | 12/14/2002 | 8/30/2005 |
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