Total Capital Ratio Over Time
Total Capital Ratio Heritage National Bank All Insured Commercial Banks in Texas
09-30-2005 14.94 18.193
06-30-2005 14.11 18.31
03-31-2005 14.22 18.447
12-31-2004 14.18 18.185
09-30-2004 14.46 18.415
06-30-2004 14.47 18.282
03-31-2004 14.7 18.409
12-31-2003 14.46 18.128
09-30-2003 14.58 18.224
06-30-2003 15.19 17.979
03-31-2003 14.81 18.009
12-31-2002 14.61 17.784