Efficiency Ratio Over Time
Efficiency Ratio Oakland State Bank All Insured Commercial Banks in Iowa
09-30-2004 101.726 59.313
06-30-2004 88.376 59.954
03-31-2004 72.513 60.454
12-31-2003 93.895 60.721
09-30-2003 84.259 59.436
06-30-2003 68.581 59.565
03-31-2003 62.13 60.143
12-31-2002 54.995 59.278