Total Capital Ratio Over Time
Total Capital Ratio Union State Bank All Insured Commercial Banks in New York
12-31-2007 16.22 20.872
09-30-2007 16.29 22.535
06-30-2007 15.59 22.292
03-31-2007 15.96 23.77
12-31-2006 15.82 21.616
09-30-2006 16.43 22.331
06-30-2006 16.54 22.324
03-31-2006 16.63 21.531
12-31-2005 16.61 21.597
09-30-2005 16.07 20.017
06-30-2005 15.46 20.258
03-31-2005 15.2 20.084
12-31-2004 14.85 20.937
09-30-2004 14.22 20.529
06-30-2004 13.62 19.37
03-31-2004 13.35 18.631
12-31-2003 13.39 18.615
09-30-2003 13.27 18.615
06-30-2003 13.49 18.937
03-31-2003 13.91 18.89
12-31-2002 13.32 19.507