Efficiency Ratio Over Time
Efficiency Ratio F&M Bank All Insured Commercial Banks in Washington
03-31-2007 74.407 70.853
12-31-2006 73.097 76.614
09-30-2006 70.548 68.626
06-30-2006 70.843 67.794
03-31-2006 75.138 66.171
12-31-2005 72.486 69.754
09-30-2005 72.673 68.233
06-30-2005 74.073 69.806
03-31-2005 76.623 69.147
12-31-2004 73.683 68.196
09-30-2004 71.692 68.04
06-30-2004 71.941 69.093
03-31-2004 73.268 69.721
12-31-2003 63.347 69.779
09-30-2003 60.961 69.287
06-30-2003 60.921 71.259
03-31-2003 62.596 71.921
12-31-2002 60.306 74.045