Tier 1 Capital Ratio Over Time
Tier 1 Capital Ratio Farmers & Merchants State Bank All Insured Commercial Banks in Texas
09-30-2005 22.76 17.138
06-30-2005 21.72 17.245
03-31-2005 21.2 17.369
12-31-2004 20.1 17.12
09-30-2004 19.79 17.344
06-30-2004 20.47 17.209
03-31-2004 21.46 17.325
12-31-2003 19.99 17.049
09-30-2003 18.8 17.144
06-30-2003 19.24 16.9
03-31-2003 18.7 16.919
12-31-2002 17.61 16.71