Leverage Ratio Over Time
Leverage Ratio Heritage National Bank All Insured Commercial Banks in Texas
09-30-2005 6.97 10.213
06-30-2005 6.23 10.119
03-31-2005 6.09 10.046
12-31-2004 6.25 9.979
09-30-2004 6.36 10.144
06-30-2004 6.28 9.931
03-31-2004 6.07 9.847
12-31-2003 5.94 9.74
09-30-2003 6.03 9.841
06-30-2003 6.07 9.717
03-31-2003 6.06 9.659
12-31-2002 6.32 9.595