Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio First Essex Bank All Insured Savings Banks in Massachusetts
12-31-2003 12.09 16.992
09-30-2003 11.18 16.746
06-30-2003 10.68 16.65
03-31-2003 10.51 16.516
12-31-2002 9.79 16.497