Efficiency Ratio Over Time
Efficiency Ratio The First State Bank All Insured Commercial Banks in Texas
09-30-2004 81.24 68.305
06-30-2004 81.246 68.807
03-31-2004 83.005 69.055
12-31-2003 78.253 69.41
09-30-2003 75.266 68.526
06-30-2003 74.78 68.452
03-31-2003 77.716 68.632
12-31-2002 72.145 67.534