Efficiency Ratio Over Time
Efficiency Ratio Merchants & Farmers Bank All Insured Commercial Banks in Alabama
12-31-2005 68.859 59.887
09-30-2005 66.569 59.15
06-30-2005 64.433 59.137
03-31-2005 73.746 59.254
12-31-2004 60.451 60.786
09-30-2004 60.869 59.87
06-30-2004 62.145 60.106
03-31-2004 66.082 61.244
12-31-2003 66.405 61.448
09-30-2003 65.585 60.518
06-30-2003 62.861 60.565
03-31-2003 62.565 61.756
12-31-2002 62.82 59.281