Efficiency Ratio Over Time
Efficiency Ratio Farmers & Merchants Bank - Eastern Shore All Insured Commercial Banks in Virginia
06-30-2004 50.401 65.483
03-31-2004 50.575 65.972
12-31-2003 50.122 64.911
09-30-2003 49.822 64.352
06-30-2003 49.747 63.374
03-31-2003 50.509 62.719
12-31-2002 49.152 63.6