Efficiency Ratio Over Time
Efficiency Ratio Concord Efs National Bank All Insured Commercial Banks in Tennessee
12-31-2003 90.092 67.065
09-30-2003 88.458 66.477
06-30-2003 89.221 67.007
03-31-2003 89.279 67.319
12-31-2002 92.227 65.163