Efficiency Ratio Over Time
Efficiency Ratio Balcones Bank, S.S.B. All Insured Savings Banks in Texas
09-30-2005 84.135 67.579
06-30-2005 83.896 68.177
03-31-2005 79.503 68.212
12-31-2004 82.132 69.02
09-30-2004 81.734 71.614
06-30-2004 81.127 69.012
03-31-2004 85.94 71.186
12-31-2003 77.985 70.486
09-30-2003 74.885 68.227
06-30-2003 72.192 68.067
03-31-2003 74.182 70.319
12-31-2002 69.175 69.366