Efficiency Ratio Over Time
Efficiency Ratio Concord Bank, National Association All Insured Commercial Banks in Texas
03-31-2006 100 65.978
12-31-2005 71.511 67.153
09-30-2005 60.215 66.756
06-30-2005 59.786 67.031
03-31-2005 60.202 67.486
12-31-2004 64.811 69.184
09-30-2004 52.533 68.305
06-30-2004 52.784 68.807
03-31-2004 53.258 69.055
12-31-2003 74.068 69.41
09-30-2003 69.046 68.526
06-30-2003 69.181 68.452
03-31-2003 68.894 68.632
12-31-2002 73.511 67.534