Total Capital Ratio Over Time
Total Capital Ratio Herald National Bank All Insured Commercial Banks in New York
12-31-2012 32.28 20.481
09-30-2012 29.21 20.057
06-30-2012 20.5 20.363
03-31-2012 21.06 20.145
12-31-2011 17.23 20.75
09-30-2011 17.12 20.726
06-30-2011 17.11 20.766
03-31-2011 16.78 19.694
12-31-2010 16.36 19.886
09-30-2010 16.21 19.33
06-30-2010 15.51 19.364
03-31-2010 16.45 19.271
12-31-2009 11.88 19.503
09-30-2009 13.05 19.104
06-30-2009 25.07 20.227
03-31-2009 53.56 19.547
12-31-2008 139.61 20.748
09-30-2008 20.095
06-30-2008 21.948
03-31-2008 22.408
12-31-2007 20.872
09-30-2007 22.535
06-30-2007 22.292
03-31-2007 23.77
12-31-2006 21.616
09-30-2006 22.331
06-30-2006 22.324
03-31-2006 21.531
12-31-2005 21.597
09-30-2005 20.017
06-30-2005 20.258
03-31-2005 20.084
12-31-2004 20.937
09-30-2004 20.529
06-30-2004 19.37
03-31-2004 18.631
12-31-2003 18.615
09-30-2003 18.615
06-30-2003 18.937
03-31-2003 18.89
12-31-2002 19.507