Efficiency Ratio Over Time
Efficiency Ratio Victoria State Bank All Insured Commercial Banks in Minnesota
03-31-2005 49.716 62.926
12-31-2004 63.014 63.335
09-30-2004 65.823 61.98
06-30-2004 66.605 62.61
03-31-2004 69.215 63.48
12-31-2003 65.978 63.289
09-30-2003 65.735 61.468
06-30-2003 63.825 61.298
03-31-2003 66.83 62.209
12-31-2002 57.288 61.807