Efficiency Ratio Over Time
Efficiency Ratio First National Bank And Trust Company All Insured Commercial Banks in Kentucky
03-31-2004 61.804 64.083
12-31-2003 62.628 63.309
09-30-2003 66.215 62.73
06-30-2003 68.013 62.654
03-31-2003 66.16 63.422
12-31-2002 64.036 62.137