Efficiency Ratio Over Time
Efficiency Ratio Royal Oaks Bank, Ssb All Insured Savings Banks in Texas
12-31-2006 75.655 67.626
09-30-2006 73.421 67.149
06-30-2006 75.837 67.516
03-31-2006 77.365 67.678
12-31-2005 68.703 65.756
09-30-2005 66.202 67.579
06-30-2005 68.664 68.177
03-31-2005 73.441 68.212
12-31-2004 71.405 69.02
09-30-2004 71.254 71.614
06-30-2004 72.456 69.012
03-31-2004 73.716 71.186
12-31-2003 77.062 70.486
09-30-2003 80.926 68.227
06-30-2003 85.889 68.067
03-31-2003 81.985 70.319
12-31-2002 95.658 69.366