Efficiency Ratio Over Time
Efficiency Ratio First National Bank Of South Georgia All Insured Commercial Banks in Georgia
12-31-2005 58.172 62.186
09-30-2005 59.816 61.255
06-30-2005 60.219 61.571
03-31-2005 61.806 62.33
12-31-2004 56.824 64.32
09-30-2004 56.576 64.404
06-30-2004 55.46 64.229
03-31-2004 51.267 64.639
12-31-2003 52.845 65.562
09-30-2003 53.933 64.676
06-30-2003 55.71 64.537
03-31-2003 57.714 65.157
12-31-2002 60.815 64.609