Leverage Ratio Over Time
Leverage Ratio The Oaks Bank & Trust Company All Insured Commercial Banks in Texas
09-30-2005 13.33 10.213
06-30-2005 10.7 10.119
03-31-2005 10.43 10.046
12-31-2004 10.08 9.979
09-30-2004 10.38 10.144
06-30-2004 10.57 9.931
03-31-2004 11.01 9.847
12-31-2003 11.11 9.74
09-30-2003 10.72 9.841
06-30-2003 10.83 9.717
03-31-2003 11.32 9.659
12-31-2002 10.67 9.595