Efficiency Ratio Over Time
Efficiency Ratio Western National Bank All Insured Commercial Banks in Texas
12-31-2005 88.443 67.153
09-30-2005 75.242 66.756
06-30-2005 70.939 67.031
03-31-2005 70.568 67.486
12-31-2004 67.708 69.184
09-30-2004 68.446 68.305
06-30-2004 67.885 68.807
03-31-2004 65.538 69.055
12-31-2003 62.731 69.41
09-30-2003 61.508 68.526
06-30-2003 61.096 68.452
03-31-2003 60.52 68.632
12-31-2002 60.481 67.534