The Delta Bank
Cooper, TX — Non-member Bank
Acquired May 2007
Efficiency Ratio Over Time
| Efficiency Ratio | The Delta Bank | All Insured Commercial Banks in Texas |
| 03-31-2007 | 67.211 | 66.629 |
| 12-31-2006 | 59.088 | 66.288 |
| 09-30-2006 | 54.988 | 64.993 |
| 06-30-2006 | 53.092 | 65.249 |
| 03-31-2006 | 53.998 | 65.978 |
| 12-31-2005 | 54.07 | 67.153 |
| 09-30-2005 | 49.576 | 66.756 |
| 06-30-2005 | 49.762 | 67.031 |
| 03-31-2005 | 50.456 | 67.486 |
| 12-31-2004 | 67.484 | 69.184 |
| 09-30-2004 | 62.248 | 68.305 |
| 06-30-2004 | 68.918 | 68.807 |
| 03-31-2004 | 57.745 | 69.055 |
| 12-31-2003 | 70.801 | 69.41 |
| 09-30-2003 | 64.126 | 68.526 |
| 06-30-2003 | 64.795 | 68.452 |
| 03-31-2003 | 63.993 | 68.632 |
| 12-31-2002 | 67.999 | 67.534 |