Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Herald National Bank All Insured Commercial Banks in New York
12-31-2012 31.67 19.422
09-30-2012 28.67 18.99
06-30-2012 20.31 19.296
03-31-2012 21.05 19.056
12-31-2011 15.97 19.623
09-30-2011 15.87 19.607
06-30-2011 15.86 19.634
03-31-2011 15.53 18.533
12-31-2010 15.1 18.688
09-30-2010 14.96 18.147
06-30-2010 14.25 18.172
03-31-2010 15.2 18.082
12-31-2009 10.63 18.343
09-30-2009 12.06 17.981
06-30-2009 24.34 19.155
03-31-2009 53 18.485
12-31-2008 139.32 19.695
09-30-2008 19.115
06-30-2008 20.993
03-31-2008 21.465
12-31-2007 19.916
09-30-2007 21.594
06-30-2007 21.358
03-31-2007 22.83
12-31-2006 20.636
09-30-2006 21.371
06-30-2006 21.348
03-31-2006 20.533
12-31-2005 20.6
09-30-2005 18.973
06-30-2005 19.209
03-31-2005 19.008
12-31-2004 19.873
09-30-2004 19.446
06-30-2004 18.26
03-31-2004 17.476
12-31-2003 17.464
09-30-2003 17.431
06-30-2003 17.778
03-31-2003 17.699
12-31-2002 18.347