Efficiency Ratio Over Time
Efficiency Ratio First National Bank All Insured Commercial Banks in Florida
12-31-2005 16.931 70.265
09-30-2005 56.947 70.33
06-30-2005 56.473 68.755
03-31-2005 53.328 69.25
12-31-2004 61.304 72.022
09-30-2004 61.591 70.445
06-30-2004 63.483 71.231
03-31-2004 59.385 71.697
12-31-2003 68.268 73.427
09-30-2003 68.385 72.963
06-30-2003 72.158 72.602
03-31-2003 74.781 73.441
12-31-2002 78.423 73.418