Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Farmers & Merchants State Bank Of Krum All Insured Commercial Banks in Texas
12-31-2004 10.21 17.12
09-30-2004 10.38 17.344
06-30-2004 10.24 17.209
03-31-2004 10.99 17.325
12-31-2003 10.6 17.049
09-30-2003 11.21 17.144
06-30-2003 11 16.9
03-31-2003 10.42 16.919
12-31-2002 10.04 16.71