Efficiency Ratio Over Time
Efficiency Ratio The Oaks Bank & Trust Company All Insured Commercial Banks in Texas
09-30-2005 79.466 66.756
06-30-2005 59.944 67.031
03-31-2005 61.932 67.486
12-31-2004 62.288 69.184
09-30-2004 62.753 68.305
06-30-2004 62.997 68.807
03-31-2004 65.706 69.055
12-31-2003 67.207 69.41
09-30-2003 67.208 68.526
06-30-2003 67.786 68.452
03-31-2003 65.579 68.632
12-31-2002 64.424 67.534