Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio First National Bank All Insured Commercial Banks in Texas
12-31-2004 1.39 17.12
09-30-2004 1.88 17.344
06-30-2004 .42 17.209
03-31-2004 8.92 17.325
12-31-2003 9.55 17.049
09-30-2003 3.03 17.144
06-30-2003 2.41 16.9
03-31-2003 12.41 16.919
12-31-2002 12.64 16.71