Efficiency Ratio Over Time
Efficiency Ratio Sears National Bank All Insured Commercial Banks in Arizona
03-31-2004 23.009 77.094
12-31-2003 51.571 94.762
09-30-2003 62.179 90.81
06-30-2003 62.273 95.041
03-31-2003 62.483 101.157
12-31-2002 55.735 156.426