Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio The Warwick Savings Bank All Insured Savings Banks in New York
09-30-2004 13.5 16.88
06-30-2004 16.27 17.106
03-31-2004 15.7 16.877
12-31-2003 15.81 16.192
09-30-2003 15.75 16.31
06-30-2003 15.24 16.113
03-31-2003 14.65 16.05
12-31-2002 14.88 16.03