Efficiency Ratio Over Time
Efficiency Ratio Friendship Bank All Insured Commercial Banks in Tennessee
12-31-2004 82.904 67.909
09-30-2004 76.618 67.78
06-30-2004 77.81 67.917
03-31-2004 77.898 67.404
12-31-2003 105.45 67.065
09-30-2003 106.571 66.477
06-30-2003 102.811 67.007
03-31-2003 96.914 67.319
12-31-2002 61.388 65.163