Efficiency Ratio Over Time
Efficiency Ratio First State Bank All Insured Commercial Banks in Montana
09-30-2005 49.077 58.107
06-30-2005 50.013 58.855
03-31-2005 50.661 58.97
12-31-2004 55.98 60.019
09-30-2004 53.936 58.948
06-30-2004 56.013 59.793
03-31-2004 57.865 61.25
12-31-2003 50.469 61.736
09-30-2003 49.223 60.828
06-30-2003 50.737 61.17
03-31-2003 47.49 61.712
12-31-2002 52.149 61.511