Efficiency Ratio Over Time
Efficiency Ratio First Financial Bank, National Association All Insured Commercial Banks in Texas
09-30-2005 62.767 66.756
06-30-2005 64.263 67.031
03-31-2005 64.256 67.486
12-31-2004 71.411 69.184
09-30-2004 72.032 68.305
06-30-2004 72.303 68.807
03-31-2004 73.521 69.055
12-31-2003 75.699 69.41
09-30-2003 75.918 68.526
06-30-2003 76.105 68.452
03-31-2003 76.466 68.632
12-31-2002 76.041 67.534