Efficiency Ratio Over Time
Efficiency Ratio First Susquehanna Bank & Trust All Insured Commercial Banks in Pennsylvania
12-31-2004 66.331 66.128
09-30-2004 67.999 66.722
06-30-2004 69.631 65.473
03-31-2004 70.044 65.291
12-31-2003 67.387 64.445
09-30-2003 68.11 63.915
06-30-2003 66.212 63.137
03-31-2003 63.515 63.284
12-31-2002 62.387 63.037