Total Capital Ratio Over Time
Total Capital Ratio Bsb Bank & Trust Company All Insured Commercial Banks in New York
06-30-2004 13.72 19.37
03-31-2004 13.2 18.631
12-31-2003 12.64 18.615
09-30-2003 12.84 18.615
06-30-2003 12.4 18.937
03-31-2003 12.26 18.89
12-31-2002 11.9 19.507