Heritage Financial Group - Sales Analysis Snapshot

Business Description
This Report provides a comprehensive Sales & Margin summary analysis for Heritage Financial Group Tabular results include up to a ten-year history on Sales, EBITDA (Earnings before Interest, Taxes, Depreciation and Amortization), Income before Extraordinary Items and number of Employees. Additional ratios are included for sales growth, earnings and income as a percent of sales and Sales per Employee.

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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