First National Bank
Thief River Falls, MN — Domestic Branch of a Domestic Bank
Acquired May 2003
Efficiency Ratio Over Time
| Efficiency Ratio | First National Bank | All Insured Commercial Banks in Minnesota |
| 03-31-2003 | 78.02 | 62.209 |
| 12-31-2002 | 68.819 | 61.807 |