Efficiency Ratio Over Time
Efficiency Ratio First-Lockhart National Bank All Insured Commercial Banks in Texas
12-31-2016 74.604 66.762
09-30-2016 73.725 66.187
06-30-2016 71.436 66.286
03-31-2016 75.799 66.484
12-31-2015 73.734 67.473
09-30-2015 73.896 67.019
06-30-2015 75.459 67.62
03-31-2015 78.505 68.379
12-31-2014 80.014 67.933
09-30-2014 80.594 67.76
06-30-2014 85.656 68.348
03-31-2014 91.246 69.161
12-31-2013 75.507 70.01
09-30-2013 75.215 69.448
06-30-2013 76.568 70.111
03-31-2013 81.735 71.168
12-31-2012 71.326 70.289
09-30-2012 70.555 69.365
06-30-2012 70.765 69.7
03-31-2012 71.529 69.836
12-31-2011 67.237 71.203
09-30-2011 67.082 70.717
06-30-2011 70.047 71.672
03-31-2011 74.306 72.166
12-31-2010 69.201 72.798
09-30-2010 68.212 71.344
06-30-2010 69.133 71.672
03-31-2010 69.45 72.124
12-31-2009 69.597 72.899
09-30-2009 70.414 71.928
06-30-2009 71.887 72.628
03-31-2009 71.119 71.399
12-31-2008 72.118 70.933
09-30-2008 72.4 69.839
06-30-2008 74.774 70.152
03-31-2008 78.7 69.753
12-31-2007 68.471 68.047
09-30-2007 66.398 66.762
06-30-2007 69.746 66.933
03-31-2007 72.978 66.629
12-31-2006 72.33 66.288
09-30-2006 72.609 64.993
06-30-2006 73.282 65.249
03-31-2006 71.428 65.978
12-31-2005 69.936 67.153
09-30-2005 68.949 66.756
06-30-2005 68.758 67.031
03-31-2005 67.782 67.486
12-31-2004 67.421 69.184
09-30-2004 67.061 68.305
06-30-2004 67.297 68.807
03-31-2004 67.656 69.055
12-31-2003 68.223 69.41
09-30-2003 65.054 68.526
06-30-2003 65.913 68.452
03-31-2003 67.815 68.632
12-31-2002 64.722 67.534