Efficiency Ratio Over Time
Efficiency Ratio Farmers & Merchants State Bank Of Krum All Insured Commercial Banks in Texas
12-31-2004 73.091 69.184
09-30-2004 69.6 68.305
06-30-2004 70.328 68.807
03-31-2004 69.487 69.055
12-31-2003 67.275 69.41
09-30-2003 65.335 68.526
06-30-2003 65.166 68.452
03-31-2003 63.833 68.632
12-31-2002 68.498 67.534