Efficiency Ratio Over Time
Efficiency Ratio First American Bank All Insured Commercial Banks in California
06-30-2005 62.524 70.343
03-31-2005 67.947 68.656
12-31-2004 68.287 71.614
09-30-2004 69.436 71.664
06-30-2004 70.047 72.622
03-31-2004 72.65 74.921
12-31-2003 73.983 78.394
09-30-2003 72.997 69.685
06-30-2003 73.608 70.304
03-31-2003 71.122 69.597
12-31-2002 68.125 70.571