Efficiency Ratio Over Time
Efficiency Ratio Western Sierra National Bank All Insured Commercial Banks in California
03-31-2006 49.354 69.95
12-31-2005 46.144 74.917
09-30-2005 45.816 71.155
06-30-2005 46.884 70.343
03-31-2005 47.864 68.656
12-31-2004 47.29 71.614
09-30-2004 46.649 71.664
06-30-2004 46.93 72.622
03-31-2004 48.129 74.921
12-31-2003 48.138 78.394
09-30-2003 48.004 69.685
06-30-2003 47.56 70.304
03-31-2003 48.353 69.597
12-31-2002 50.889 70.571