Efficiency Ratio Over Time
Efficiency Ratio Bsb Bank & Trust Company All Insured Commercial Banks in New York
06-30-2004 55.182 67.073
03-31-2004 57.701 67.469
12-31-2003 54.812 66.544
09-30-2003 53.674 66.043
06-30-2003 53.448 65.608
03-31-2003 52.388 66.329
12-31-2002 48.246 68.29