Efficiency Ratio Over Time
Efficiency Ratio Heritage National Bank All Insured Commercial Banks in Texas
09-30-2005 63.319 66.756
06-30-2005 66.843 67.031
03-31-2005 68.359 67.486
12-31-2004 62.69 69.184
09-30-2004 60.433 68.305
06-30-2004 59.447 68.807
03-31-2004 62.295 69.055
12-31-2003 61.306 69.41
09-30-2003 60.562 68.526
06-30-2003 58.61 68.452
03-31-2003 65.132 68.632
12-31-2002 63.994 67.534