Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Heritage National Bank All Insured Commercial Banks in Texas
09-30-2005 13.69 17.138
06-30-2005 12.86 17.245
03-31-2005 12.97 17.369
12-31-2004 12.93 17.12
09-30-2004 13.2 17.344
06-30-2004 13.22 17.209
03-31-2004 13.45 17.325
12-31-2003 13.21 17.049
09-30-2003 13.34 17.144
06-30-2003 13.94 16.9
03-31-2003 13.56 16.919
12-31-2002 13.35 16.71