Efficiency Ratio Over Time
Efficiency Ratio Lost Pines National Bank All Insured Commercial Banks in Texas
12-31-2003 73.666 69.41
09-30-2003 73.348 68.526
06-30-2003 71.569 68.452
03-31-2003 67.915 68.632
12-31-2002 68.589 67.534