Efficiency Ratio Over Time
Efficiency Ratio Bank Of Lodi, National Association All Insured Commercial Banks in California
09-30-2004 72.461 71.664
06-30-2004 71.825 72.622
03-31-2004 75.727 74.921
12-31-2003 84.495 78.394
09-30-2003 82.684 69.685
06-30-2003 80.062 70.304
03-31-2003 80.109 69.597
12-31-2002 83.424 70.571