Efficiency Ratio Over Time
Efficiency Ratio Horizon Capital Bank All Insured Commercial Banks in Texas
09-30-2005 69.528 66.756
06-30-2005 59.682 67.031
03-31-2005 58.226 67.486
12-31-2004 64.876 69.184
09-30-2004 63.203 68.305
06-30-2004 63.169 68.807
03-31-2004 62.716 69.055
12-31-2003 65.218 69.41
09-30-2003 62.783 68.526
06-30-2003 62.696 68.452
03-31-2003 62.513 68.632
12-31-2002 72.207 67.534