Efficiency Ratio Over Time
Efficiency Ratio Academy Bank All Insured Commercial Banks in Tennessee
03-31-2005 70.037 67.669
12-31-2004 69.31 67.909
09-30-2004 72.051 67.78
06-30-2004 72.315 67.917
03-31-2004 73.469 67.404
12-31-2003 75.27 67.065
09-30-2003 76.455 66.477
06-30-2003 76.688 67.007
03-31-2003 73.389 67.319
12-31-2002 78.207 65.163