Efficiency Ratio Over Time
Efficiency Ratio First Independent National Bank All Insured Commercial Banks in Texas
03-31-2006 83.185 65.978
12-31-2005 85.235 67.153
09-30-2005 88.273 66.756
06-30-2005 95.211 67.031
03-31-2005 92.732 67.486
12-31-2004 86.846 69.184
09-30-2004 86.816 68.305
06-30-2004 87.905 68.807
03-31-2004 93.635 69.055
12-31-2003 82.182 69.41
09-30-2003 78.316 68.526
06-30-2003 77.524 68.452
03-31-2003 80.13 68.632
12-31-2002 88.973 67.534