Efficiency Ratio Over Time
Efficiency Ratio First National Bank All Insured Commercial Banks in Georgia
09-30-2005 75.958 61.255
06-30-2005 69.007 61.571
03-31-2005 70.36 62.33
12-31-2004 62.132 64.32
09-30-2004 64.269 64.404
06-30-2004 58.24 64.229
03-31-2004 59.06 64.639
12-31-2003 61.666 65.562
09-30-2003 60.522 64.676
06-30-2003 62.161 64.537
03-31-2003 61.332 65.157
12-31-2002 58.499 64.609