Tier 1 Capital Over Time
Tier 1 Capital Ellenville National Bank All Insured Commercial Banks in New York
12-31-2003 27,941,000 76,445,372
09-30-2003 28,681,000 74,383,339
06-30-2003 28,534,000 83,533,557
03-31-2003 27,604,000 82,072,789
12-31-2002 26,789,000 79,728,443