Efficiency Ratio Over Time
Efficiency Ratio North Coast Bank, National Association All Insured Commercial Banks in California
12-31-2003 71.96 78.394
09-30-2003 72.481 69.685
06-30-2003 76.49 70.304
03-31-2003 87.851 69.597
12-31-2002 77.971 70.571