Efficiency Ratio Over Time
Efficiency Ratio Independent Bank All Insured Commercial Banks in Texas
12-31-2008 70.685 70.933
09-30-2008 71.488 69.839
06-30-2008 72.61 70.152
03-31-2008 76.265 69.753
12-31-2007 81.738 68.047
09-30-2007 83.056 66.762
06-30-2007 85.563 66.933
03-31-2007 87.919 66.629
12-31-2006 84.865 66.288
09-30-2006 85.299 64.993
06-30-2006 85.582 65.249
03-31-2006 89.2 65.978
12-31-2005 118.12 67.153
09-30-2005 118.32 66.756
06-30-2005 121.067 67.031
03-31-2005 123.836 67.486
12-31-2004 95.141 69.184
09-30-2004 84.059 68.305
06-30-2004 87.121 68.807
03-31-2004 91.186 69.055
12-31-2003 113.876 69.41
09-30-2003 116.44 68.526
06-30-2003 111.661 68.452
03-31-2003 103.112 68.632
12-31-2002 84.903 67.534