Leverage Ratio Over Time
Leverage Ratio First National Bank All Insured Commercial Banks in Texas
09-30-2004 8.99 10.144
06-30-2004 7.76 9.931
03-31-2004 7.45 9.847
12-31-2003 8.05 9.74
09-30-2003 8.01 9.841
06-30-2003 7.79 9.717
03-31-2003 7.95 9.659
12-31-2002 8.12 9.595