Efficiency Ratio Over Time
Efficiency Ratio First State Bank All Insured Commercial Banks in Colorado
09-30-2005 95.614 63.406
06-30-2005 105.118 64.009
03-31-2005 100.857 65.032
12-31-2004 88.176 65.877
09-30-2004 84.671 64.595
06-30-2004 77 65.354
03-31-2004 80.998 66.554
12-31-2003 78.759 65.768
09-30-2003 88.716 64.912
06-30-2003 88.934 64.05
03-31-2003 89.752 64.207
12-31-2002 81.61 63.982