Efficiency Ratio Over Time
Efficiency Ratio Union National Bank All Insured Commercial Banks in Iowa
03-31-2004 71.81 60.454
12-31-2003 62.413 60.721
09-30-2003 65.547 59.436
06-30-2003 63.167 59.565
03-31-2003 67.329 60.143
12-31-2002 60.945 59.278