Tier 2 Capital Over Time
Tier 2 Capital Hudson River Bank & Trust Company All Insured Savings Banks in New York
12-31-2004 19,061,000 16,763,375
09-30-2004 20,114,000 16,291,800
06-30-2004 20,332,000 16,374,680
03-31-2004 20,094,000 17,546,960
12-31-2003 19,525,000 17,166,962
09-30-2003 18,383,000 16,842,074
06-30-2003 18,955,000 16,955,593
03-31-2003 18,647,000 11,514,296
12-31-2002 18,798,000 10,996,536