Efficiency Ratio Over Time
Efficiency Ratio Direct Merchants Credit Card Bank, National Association All Insured Commercial Banks in Arizona
09-30-2005 70.52 72.565
06-30-2005 68.183 72.612
03-31-2005 66.55 74.043
12-31-2004 60.737 74.304
09-30-2004 59.545 75.867
06-30-2004 59.764 78.373
03-31-2004 60.76 77.094
12-31-2003 65.039 94.762
09-30-2003 67.821 90.81
06-30-2003 52.097 95.041
03-31-2003 51.727 101.157
12-31-2002 50.356 156.426