Efficiency Ratio Over Time
Efficiency Ratio Gateway National Bank All Insured Commercial Banks in Texas
12-31-2006 68.637 66.288
09-30-2006 62.146 64.993
06-30-2006 59.191 65.249
03-31-2006 58.579 65.978
12-31-2005 57.076 67.153
09-30-2005 79.366 66.756
06-30-2005 82.2 67.031
03-31-2005 76.471 67.486
12-31-2004 75.346 69.184
09-30-2004 77.141 68.305
06-30-2004 79.388 68.807
03-31-2004 78.498 69.055
12-31-2003 82.716 69.41
09-30-2003 84.677 68.526
06-30-2003 87.175 68.452
03-31-2003 85.244 68.632
12-31-2002 83.992 67.534