Efficiency Ratio Over Time
Efficiency Ratio First Texoma Bank All Insured Commercial Banks in Texas
03-31-2005 88.477 67.486
12-31-2004 83.333 69.184
09-30-2004 81.473 68.305
06-30-2004 84.272 68.807
03-31-2004 86.014 69.055
12-31-2003 78.049 69.41
09-30-2003 82.109 68.526
06-30-2003 85.452 68.452
03-31-2003 84.397 68.632
12-31-2002 82.204 67.534