Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Union State Bank All Insured Commercial Banks in New York
12-31-2007 14.96 19.916
09-30-2007 15.37 21.594
06-30-2007 14.69 21.358
03-31-2007 15.04 22.83
12-31-2006 14.9 20.636
09-30-2006 15.47 21.371
06-30-2006 15.54 21.348
03-31-2006 15.67 20.533
12-31-2005 15.63 20.6
09-30-2005 15.1 18.973
06-30-2005 14.51 19.209
03-31-2005 14.25 19.008
12-31-2004 13.93 19.873
09-30-2004 13.32 19.446
06-30-2004 12.72 18.26
03-31-2004 12.46 17.476
12-31-2003 12.49 17.464
09-30-2003 12.38 17.431
06-30-2003 12.59 17.778
03-31-2003 12.93 17.699
12-31-2002 12.37 18.347