Efficiency Ratio Over Time
Efficiency Ratio Farmers State Bank All Insured Commercial Banks in Wisconsin
09-30-2005 52.381 59.352
06-30-2005 54.007 59.38
03-31-2005 53.243 59.752
12-31-2004 57.154 60.098
09-30-2004 55.488 59.832
06-30-2004 54.855 60.146
03-31-2004 56.914 60.922
12-31-2003 48.459 58.682
09-30-2003 49.195 57.501
06-30-2003 45.95 57.293
03-31-2003 49.064 57.665
12-31-2002 48.733 57.451