Leverage Ratio Over Time
Leverage Ratio Ellenville National Bank All Insured Commercial Banks in New York
12-31-2003 7.84 9.68
09-30-2003 8.21 9.727
06-30-2003 8.48 9.632
03-31-2003 8.71 9.672
12-31-2002 8.61 9.862