Leverage Ratio Over Time
Leverage Ratio First National Bank All Insured Commercial Banks in Texas
12-31-2004 .95 9.979
09-30-2004 1.17 10.144
06-30-2004 .3 9.931
03-31-2004 6.5 9.847
12-31-2003 7.18 9.74
09-30-2003 2.38 9.841
06-30-2003 1.99 9.717
03-31-2003 9.69 9.659
12-31-2002 9.41 9.595