Efficiency Ratio Over Time
Efficiency Ratio State National Bank All Insured Commercial Banks in Texas
12-31-2007 63.606 68.047
09-30-2007 65.37 66.762
06-30-2007 63.495 66.933
03-31-2007 62.723 66.629
12-31-2006 59.095 66.288
09-30-2006 59.773 64.993
06-30-2006 60.611 65.249
03-31-2006 61.779 65.978
12-31-2005 64.101 67.153
09-30-2005 64.159 66.756
06-30-2005 64.82 67.031
03-31-2005 65.458 67.486
12-31-2004 66.152 69.184
09-30-2004 66.417 68.305
06-30-2004 65.723 68.807
03-31-2004 66.209 69.055
12-31-2003 69.009 69.41
09-30-2003 69.617 68.526
06-30-2003 70.152 68.452
03-31-2003 75.056 68.632
12-31-2002 78.472 67.534