bank holding company · RSSD 3846469 · GA
How big is HERITAGE FINANCIAL GROUP, INC.?
HERITAGE FINANCIAL GROUP, INC. (GA, RSSD 3846469) reported consolidated total assets of $1.9B, deposits of $1.4B and a Tier 1 risk-based capital ratio of 11.50% in its FR Y-9C for 2015Q2. That ranks 346 of 666 bank holding companies by assets, 242 of 481 among bank holding companies with $1b-$10b in assets, 9 of 18 bank holding companies in georgia.
What stands out
HERITAGE FINANCIAL GROUP, INC. (GA, RSSD 3846469) reported consolidated total assets of $1.9B, deposits of $1.4B and a Tier 1 risk-based capital ratio of 11.50% in its FR Y-9C for 2015Q2. That ranks 346 of 666 bank holding companies by assets, 242 of 481 among bank holding companies with $1b-$10b in assets, 9 of 18 bank holding companies in georgia. Against its size class: tier 1 risk-based capital ratio 11.50%, below the peer median of 13.03%; tier 1 leverage ratio 8.40%, below the peer median of 9.99%; return on assets -0.15%, below the peer median of 0.90%. At 11.50% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 8.40% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. The last report on record is for 2015Q2; the holding company may have merged, deregistered or fallen below the filing threshold after that.
Key figures, 2015Q2
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2015Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.9B | $1.9B | $1.8B | $2.0B | record → |
| Total deposits | $1.4B | $1.5B | $1.5B | $1.6B | record → |
| Loans and leases | $1.5B | $1.2B | $1.3B | $1.3B | record → |
| Net income (year to date) | $-1.4M | $8.7M | $7.1M | $9.1M | record → |
| Total equity capital | $160.7M | $202.1M | $214.3M | $211.7M | record → |
| Equity to assets | 8.59% | 10.29% | 10.09% | 10.43% | computed |
| Tier 1 risk-based capital ratio | 11.50% | 13.03% | 11.91% | 13.03% | record → |
| Total risk-based capital ratio | 12.30% | 14.21% | 13.45% | 14.34% | record → |
| Tier 1 leverage ratio | 8.40% | 9.99% | 9.84% | 9.90% | record → |
| Return on assets | -0.15% | 0.90% | 0.71% | 0.90% | computed |
Quarter by quarter
14 reports on record, 2012Q1–2015Q2; the 14 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2015Q2 | $1.9B | $1.4B | $1.5B | $-1.4M | $160.7M | 11.50% | 346 |
| 2015Q1 | $1.8B | $1.4B | $1.3B | $3.9M | $163.9M | 12.20% | 348 |
| 2014Q4 | $1.7B | $1.3B | $1.2B | $7.6M | $160.0M | — | 366 |
| 2014Q3 | $1.8B | $1.3B | $1.2B | $5.1M | $159.9M | — | 353 |
| 2014Q2 | $1.5B | $1.2B | $972.3M | $3.1M | $131.7M | — | 401 |
| 2014Q1 | $1.4B | $1.1B | $936.5M | $1.3M | $128.0M | — | 411 |
| 2013Q4 | $1.4B | $1.1B | $909.4M | $11.3M | $125.1M | — | 419 |
| 2013Q3 | $1.3B | $1.1B | $827.1M | $7.9M | $120.5M | — | 437 |
| 2013Q2 | $1.3B | $1.1B | $813.5M | $6.6M | $118.5M | — | 427 |
| 2013Q1 | $1.4B | $1.1B | $771.8M | $3.9M | $120.7M | — | 420 |
| 2012Q4 | $1.1B | $869.6M | $685.6M | $6.8M | $120.6M | — | 528 |
| 2012Q3 | $1.1B | $845.1M | $642.2M | $4.3M | $121.8M | — | 541 |
| 2012Q2 | $1.1B | $860.3M | $611.0M | $2.3M | $123.3M | — | 532 |
| 2012Q1 | $1.1B | $868.7M | $567.2M | $971.0k | $125.1M | — | 521 |
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