Leverage Ratio Over Time
Leverage Ratio United Heritage Bank All Insured Commercial Banks in New Jersey
12-31-2006 8.47 10.735
09-30-2006 8.87 11.586
06-30-2006 9.23 12.146
03-31-2006 9.85 11.909
12-31-2005 10.11 10.173
09-30-2005 10.33 9.741
06-30-2005 7.16 9.52
03-31-2005 7.12 9.619
12-31-2004 6.87 9.495
09-30-2004 6.99 9.459
06-30-2004 7.3 9.486
03-31-2004 8.89 9.433
12-31-2003 9.83 9.378
09-30-2003 10.66 9.339
06-30-2003 11.5 9.182
03-31-2003 11.68 9.367
12-31-2002 12.39 9.317