Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Ellenville National Bank All Insured Commercial Banks in New York
12-31-2003 11.33 17.464
09-30-2003 11.95 17.431
06-30-2003 12.28 17.778
03-31-2003 12.76 17.699
12-31-2002 12.98 18.347