Efficiency Ratio Over Time
Efficiency Ratio Commercial State Bank All Insured Commercial Banks in Texas
12-31-2006 65.992 66.288
09-30-2006 65.477 64.993
06-30-2006 66.301 65.249
03-31-2006 67.704 65.978
12-31-2005 70.714 67.153
09-30-2005 73.772 66.756
06-30-2005 74.682 67.031
03-31-2005 73.15 67.486
12-31-2004 74.747 69.184
09-30-2004 73.014 68.305
06-30-2004 71.486 68.807
03-31-2004 72.908 69.055
12-31-2003 68.239 69.41
09-30-2003 66.013 68.526
06-30-2003 65.061 68.452
03-31-2003 64.453 68.632
12-31-2002 65.583 67.534