Efficiency Ratio Over Time
Efficiency Ratio Farmers & Merchants State Bank All Insured Commercial Banks in Idaho
03-31-2006 54.603 78.04
12-31-2005 59.058 136.773
09-30-2005 58.117 61.36
06-30-2005 58.672 61.624
03-31-2005 57.806 62.496
12-31-2004 56.676 64.858
09-30-2004 54.671 65.398
06-30-2004 54.626 66.483
03-31-2004 53.282 68.2
12-31-2003 53.794 67.953
09-30-2003 52.465 66.375
06-30-2003 52.376 66.999
03-31-2003 53.079 66.842
12-31-2002 54.219 72.725