Highland Lakes Bank
Kingsland, TX — Domestic Branch of a Domestic Bank
Acquired May 2003
Efficiency Ratio Over Time
| Efficiency Ratio | Highland Lakes Bank | All Insured Commercial Banks in Texas |
| 03-31-2003 | 85.075 | 68.632 |
| 12-31-2002 | 68.736 | 67.534 |