Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio United Heritage Bank All Insured Commercial Banks in New Jersey
12-31-2006 12.02 14.792
09-30-2006 11.85 16.272
06-30-2006 12.38 17.884
03-31-2006 13.27 19.748
12-31-2005 14.33 16.033
09-30-2005 15.28 14.381
06-30-2005 10.99 13.839
03-31-2005 11.75 14.601
12-31-2004 11.88 13.978
09-30-2004 12.99 13.871
06-30-2004 14.44 13.86
03-31-2004 16.87 13.977
12-31-2003 19.87 14.074
09-30-2003 21.09 14.32
06-30-2003 25.1 13.712
03-31-2003 26.53 14.342
12-31-2002 24.99 14.172