Efficiency Ratio Over Time
Efficiency Ratio First National Bank All Insured Commercial Banks in Texas
12-31-2004 262.769 69.184
09-30-2004 251.241 68.305
06-30-2004 403.984 68.807
03-31-2004 127.451 69.055
12-31-2003 370.957 69.41
09-30-2003 86.048 68.526
06-30-2003 90.115 68.452
03-31-2003 80.537 68.632
12-31-2002 71.713 67.534