Efficiency Ratio Over Time
Efficiency Ratio First National Bank Of North County All Insured Commercial Banks in California
09-30-2007 76.126 79.26
06-30-2007 73.935 78.029
03-31-2007 77.021 76.688
12-31-2006 74.509 80.037
09-30-2006 74.089 76.157
06-30-2006 72.555 70.367
03-31-2006 73.422 69.95
12-31-2005 61.588 74.917
09-30-2005 58.438 71.155
06-30-2005 58.081 70.343
03-31-2005 58.071 68.656
12-31-2004 68.477 71.614
09-30-2004 66.575 71.664
06-30-2004 62.803 72.622
03-31-2004 62.438 74.921
12-31-2003 68.158 78.394
09-30-2003 65.602 69.685
06-30-2003 62.002 70.304
03-31-2003 62.357 69.597
12-31-2002 62.738 70.571