Total Capital Ratio Over Time
Total Capital Ratio Farmers & Merchants State Bank All Insured Commercial Banks in Texas
09-30-2005 23.58 18.193
06-30-2005 22.31 18.31
03-31-2005 21.74 18.447
12-31-2004 20.91 18.185
09-30-2004 20.59 18.415
06-30-2004 21.03 18.282
03-31-2004 21.98 18.409
12-31-2003 20.46 18.128
09-30-2003 19.48 18.224
06-30-2003 19.94 17.979
03-31-2003 19.38 18.009
12-31-2002 18.22 17.784