Heritage Financial Group - Earning & Dividend Analysis Snapshot

This detailed Report provides an Earnings and Dividends history for Heritage Financial Group. Tabular results include up to a ten-year history of "as reported" Earnings per Share and Dividends per Share plus a calculation of the amount of earnings paid out over the year in dividends (i.e. Payout Ratio). Earnings and Dividends are presented on both a Quarterly and Annual basis. An annual Percent Change factor is calculated for both Earnings and Dividends.

Heritage Financial Group. The Group principal activities are to provide financial services to consumers and businesses. It conducts its operation through its subsidiary HeritageBank of the South. The lending activities of the Group include one- to four-family residences loans, multi-family residences loans and commercial property and a variety of consumer and commercial business loans. It also offers a variety of deposit accounts having a wide range of interest rates and terms, which generally include savings accounts, money market deposit and term certificate accounts and checking accounts. As on 31-Dec-2008, the Group operates five full service banking offices in Georgia.

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