Efficiency Ratio Over Time
Efficiency Ratio The Peoples State Bank All Insured Commercial Banks in Texas
12-31-2004 77.457 69.184
09-30-2004 72.495 68.305
06-30-2004 74.535 68.807
03-31-2004 74.764 69.055
12-31-2003 79.23 69.41
09-30-2003 75.752 68.526
06-30-2003 74.802 68.452
03-31-2003 73.697 68.632
12-31-2002 69.567 67.534