| Sep 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | |
|---|---|---|---|---|---|---|---|
| Total Revenues ($Mil): | 120.35 | 117.49 | 130.17 | 126.88 | 111.69 | 113.28 | 119.31 |
| Depreciation & Amort ($Mil): | 7.28 | 7.28 | 5.59 | 5.56 | 6.59 | 9.82 | 9.60 |
| Operating Income ($Mil): | 41.70 | 26.38 | 44.23 | 48.89 | 47.43 | 50.49 | 50.03 |
| Net Income ($Mil): | 14.36 | 1.07 | 12.63 | 19.49 | 17.94 | 20.14 | 20.14 |
| Earnings Per Share ($): | 1.22 | 0.09 | 1.59 | 1.60 | 1.42 | 1.53 | 1.47 |
| Dividends ($): | 0.80 | 0.80 | 0.80 | 0.80 | 0.80 | 0.78 | 0.69 |
| Sep 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | |
|---|---|---|---|---|---|---|---|
| Current Assets ($Mil): | 1685.75 | 1716.89 | 1824.94 | 1725.06 | 1617.21 | 1464.32 | 1426.23 |
| Current Liabilities ($Mil): | 1391.51 | 1373.18 | 1465.05 | 1418.55 | 1321.89 | 1257.08 | 1375.37 |
| Long Term Debt ($Mil): | 351.00 | 420.50 | 448.00 | 418.90 | 418.00 | 314.40 | 214.00 |
| Shares Outstanding (000): | 12360 | 12350 | 12350 | 12730 | 13110 | 13400 | 13900 |
| Common Equity ($Mil): | 124.04 | 124.30 | 132.32 | 138.78 | 137.95 | 134.66 | 135.30 |
| Sep 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | |
|---|---|---|---|---|---|---|---|
| Profit Margin (%): | 11.93 | 0.91 | 9.70 | 15.36 | 16.06 | 17.54 | 16.88 |
| Return on Equity (%): | 11.58 | 0.86 | 9.55 | 14.04 | 13.00 | 14.76 | 14.89 |
| Return on Assets (%): | 1 | 0.06 | 0.61 | 0.98 | 0.94 | 1.16 | 1.16 |
| P/E Ratio: | 12 | 186.67 | 12.97 | 12.76 | 14.56 | 13.18 | 0.00 |
| Price/Book: | 1 | 1.67 | 1.92 | 1.87 | 1.97 | 2.01 | 0.00 |
| Debt Equity: | 2.83 | 3.38 | 3.39 | 3.02 | 3.03 | 2.33 | 1.58 |
| Interest Coverage: | 2.28 | 1.04 | 1.77 | 2.57 | 2.40 | 2.57 | 2.48 |
| Book Value ($): | 10.04 | 10.06 | 10.71 | 10.90 | 10.52 | 10.05 | 9.73 |
| Price/Sales: | 1.85 | 1.29 | 1.96 | 2.05 | 2.43 | 2.39 | 0.00 |
| Dividend Payout (%): | 68.80 | 923.36 | 78.23 | 52.28 | 58.47 | 52.59 | 47.86 |

| SOVEREIGN BANCO | -84.00 | 2.11 | |
| PEOPLE'S UNITED | -3.40 | 16.57 | |
| HUDSON CITY BAN | -16.00 | 14.36 | |
| NEW YORK CMMTY | -45.30 | 11.25 | |
| FIRST NIAGARA F | +7.60 | 13.54 |
