Efficiency Ratio Over Time
Efficiency Ratio First National Bank All Insured Commercial Banks in Texas
12-31-2016 55.057 66.762
09-30-2016 55.116 66.187
06-30-2016 54.796 66.286
03-31-2016 56.375 66.484
12-31-2015 57.673 67.473
09-30-2015 58.539 67.019
06-30-2015 59.647 67.62
03-31-2015 60.549 68.379
12-31-2014 56.347 67.933
09-30-2014 56.531 67.76
06-30-2014 56.637 68.348
03-31-2014 55.908 69.161
12-31-2013 59.737 70.01
09-30-2013 61.292 69.448
06-30-2013 63.775 70.111
03-31-2013 65.438 71.168
12-31-2012 58.519 70.289
09-30-2012 57.372 69.365
06-30-2012 57.057 69.7
03-31-2012 55.898 69.836
12-31-2011 53.137 71.203
09-30-2011 53.142 70.717
06-30-2011 53.785 71.672
03-31-2011 54.902 72.166
12-31-2010 60.922 72.798
09-30-2010 61.685 71.344
06-30-2010 63.754 71.672
03-31-2010 63.655 72.124
12-31-2009 64.778 72.899
09-30-2009 64.499 71.928
06-30-2009 65.889 72.628
03-31-2009 59.167 71.399
12-31-2008 71.345 70.933
09-30-2008 66.969 69.839
06-30-2008 68.814 70.152
03-31-2008 71.002 69.753
12-31-2007 75.601 68.047
09-30-2007 75.455 66.762
06-30-2007 79.503 66.933
03-31-2007 86.903 66.629
12-31-2006 78.482 66.288
09-30-2006 79.547 64.993
06-30-2006 82.312 65.249
03-31-2006 79.216 65.978
12-31-2005 75.335 67.153
09-30-2005 73.57 66.756
06-30-2005 73.338 67.031
03-31-2005 70.855 67.486
12-31-2004 74.538 69.184
09-30-2004 72.553 68.305
06-30-2004 72.544 68.807
03-31-2004 74.106 69.055
12-31-2003 75.992 69.41
09-30-2003 72.975 68.526
06-30-2003 72.695 68.452
03-31-2003 74.485 68.632
12-31-2002 69.679 67.534