Efficiency Ratio Over Time
Efficiency Ratio Bowen State Bank All Insured Commercial Banks in Illinois
12-31-2004 70.369 63.383
09-30-2004 70.192 62.952
06-30-2004 69.372 63.147
03-31-2004 73.367 63.481
12-31-2003 60.518 63.697
09-30-2003 59.22 62.506
06-30-2003 59.661 62.464
03-31-2003 58.283 62.651
12-31-2002 58.904 62.349