Efficiency Ratio Over Time
Efficiency Ratio First Liberty National Bank
06-30-2006 103.08
03-31-2006 109.529
12-31-2005 136.534
09-30-2005 105.484
06-30-2005 103.085
03-31-2005 97.357
12-31-2004 117.302
09-30-2004 131.319
06-30-2004 121.766
03-31-2004 95.605
12-31-2003 100.144
09-30-2003 75.114
06-30-2003 69.363
03-31-2003 81.482
12-31-2002 79.279