Efficiency Ratio Over Time
Efficiency Ratio State Bank All Insured Commercial Banks in Texas
12-31-2006 81.557 66.288
09-30-2006 66.349 64.993
06-30-2006 65.793 65.249
03-31-2006 67.24 65.978
12-31-2005 72.526 67.153
09-30-2005 71.993 66.756
06-30-2005 71.403 67.031
03-31-2005 72.345 67.486
12-31-2004 75.265 69.184
09-30-2004 73.971 68.305
06-30-2004 73.531 68.807
03-31-2004 71.68 69.055
12-31-2003 71.783 69.41
09-30-2003 71.825 68.526
06-30-2003 72.032 68.452
03-31-2003 69.3 68.632
12-31-2002 74.29 67.534