Efficiency Ratio Over Time
Efficiency Ratio White Oak State Bank All Insured Commercial Banks in Texas
12-31-2012 71.387 70.289
09-30-2012 64.46 69.365
06-30-2012 64.359 69.7
03-31-2012 66.026 69.836
12-31-2011 69.736 71.203
09-30-2011 66.868 70.717
06-30-2011 67.795 71.672
03-31-2011 66.872 72.166
12-31-2010 70.593 72.798
09-30-2010 68.112 71.344
06-30-2010 69.147 71.672
03-31-2010 67.728 72.124
12-31-2009 72.21 72.899
09-30-2009 70.017 71.928
06-30-2009 71.015 72.628
03-31-2009 72.529 71.399
12-31-2008 70.038 70.933
09-30-2008 65.419 69.839
06-30-2008 66.073 70.152
03-31-2008 65.036 69.753
12-31-2007 72.75 68.047
09-30-2007 68.576 66.762
06-30-2007 68.845 66.933
03-31-2007 67.619 66.629
12-31-2006 72.603 66.288
09-30-2006 67.061 64.993
06-30-2006 64.155 65.249
03-31-2006 65.79 65.978
12-31-2005 72.926 67.153
09-30-2005 69.093 66.756
06-30-2005 68.139 67.031
03-31-2005 66.378 67.486
12-31-2004 75.488 69.184
09-30-2004 72.509 68.305
06-30-2004 72.962 68.807
03-31-2004 74.135 69.055
12-31-2003 77.219 69.41
09-30-2003 76.512 68.526
06-30-2003 78.629 68.452
03-31-2003 80.113 68.632
12-31-2002 81.174 67.534