Heritage Community Bank

Heritage Community Bank is headquartered in Randolph and is the 94^th largest bank in the state of New Jersey. It is also the 3,801^st largest bank in the nation. It was established in 2006 and as of September of 2011, it had grown to 26 employees at 3 locations. Heritage Community Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Heritage Community Bank FDIC Certificate # 58213 BankRate Report View Year Established 2006 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $153.16 million Loans $122.33 million Deposits $139.87 million Equity Capital $12.34 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $2.83 million Real Estate Owned $1.02 million Historic Data - September 2010 Assets $143.03 million Equity Capital $11.10 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $3.38 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.35% Return on Equity 4.18% Interest Income $5.52 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Heritage Community Bank had $3.84 million in non-current loans and owned real-estate with $14.2 million in equity and loan loss allowances on hand to cover it. This gives Heritage Community Bank a Texas Ratio of 27.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Heritage Community Bank decreased slightly from 33.77% as of September 30, 2010 to 27.06% as of September 30, 2011, resulting in a positive change of 19.87%.This indicates that the balance sheet and financial strength for Heritage Community Bank has improved slightly in recent periods. Deposit Growth In the past year, Heritage Community Bank has increased its total deposits by $9.02 million, resulting in 6.89% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heritage Community Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heritage Community Bank has $153.16 million in assets with $14.2 million in equity, resulting in a capitalization level of 9.27%, which is average.

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