Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio The Tupper Lake National Bank All Insured Commercial Banks in New York
03-31-2007 12.7 22.83
12-31-2006 12.69 20.636
09-30-2006 13.37 21.371
06-30-2006 13.67 21.348
03-31-2006 14.17 20.533
12-31-2005 14.48 20.6
09-30-2005 14.41 18.973
06-30-2005 14.59 19.209
03-31-2005 14.05 19.008
12-31-2004 14.12 19.873
09-30-2004 14.73 19.446
06-30-2004 15.7 18.26
03-31-2004 16.38 17.476
12-31-2003 16.54 17.464
09-30-2003 17.94 17.431
06-30-2003 19.08 17.778
03-31-2003 19.22 17.699
12-31-2002 19.02 18.347