Efficiency Ratio Over Time
Efficiency Ratio First City Bank All Insured Commercial Banks in Connecticut
09-30-2004 64.729 72.76
06-30-2004 63.886 76.101
03-31-2004 64.893 78.583
12-31-2003 62.828 79.788
09-30-2003 61.451 80.416
06-30-2003 64.208 81.98
03-31-2003 64.545 82.119
12-31-2002 66.381 99.626