Efficiency Ratio Over Time
Efficiency Ratio Cedar Creek Bank All Insured Commercial Banks in Texas
09-30-2004 72.328 68.305
06-30-2004 72.642 68.807
03-31-2004 73.81 69.055
12-31-2003 72.762 69.41
09-30-2003 69.072 68.526
06-30-2003 69.147 68.452
03-31-2003 69.35 68.632
12-31-2002 60.604 67.534