Efficiency Ratio Over Time
Efficiency Ratio Granite State Bank All Insured Commercial Banks in California
12-31-2004 87.894 71.614
09-30-2004 70.819 71.664
06-30-2004 74.213 72.622
03-31-2004 77.357 74.921
12-31-2003 73.003 78.394
09-30-2003 69.494 69.685
06-30-2003 68.343 70.304
03-31-2003 67.39 69.597
12-31-2002 63.869 70.571