Efficiency Ratio Over Time
Efficiency Ratio First National Bank All Insured Commercial Banks in Texas
09-30-2004 106.433 68.305
06-30-2004 77.306 68.807
03-31-2004 79.399 69.055
12-31-2003 86.546 69.41
09-30-2003 91.755 68.526
06-30-2003 98.7 68.452
03-31-2003 101.05 68.632
12-31-2002 121.444 67.534