Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Hudson River Bank & Trust Company All Insured Savings Banks in New York
12-31-2004 14.22 16.965
09-30-2004 12.93 16.88
06-30-2004 12.68 17.106
03-31-2004 12.27 16.877
12-31-2003 12.13 16.192
09-30-2003 12.48 16.31
06-30-2003 11.76 16.113
03-31-2003 11.6 16.05
12-31-2002 11.03 16.03