Efficiency Ratio Over Time
Efficiency Ratio Liberty National Bank All Insured Commercial Banks in Georgia
12-31-2004 36.394 64.32
09-30-2004 57.525 64.404
06-30-2004 59.001 64.229
03-31-2004 58.884 64.639
12-31-2003 61.282 65.562
09-30-2003 61.937 64.676
06-30-2003 61.908 64.537
03-31-2003 60.227 65.157
12-31-2002 64.423 64.609