Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Bsb Bank & Trust Company All Insured Commercial Banks in New York
06-30-2004 12.45 18.26
03-31-2004 11.92 17.476
12-31-2003 11.37 17.464
09-30-2003 11.55 17.431
06-30-2003 11.11 17.778
03-31-2003 10.97 17.699
12-31-2002 10.61 18.347